Patents by Inventor Michael Kloster

Michael Kloster has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20100094755
    Abstract: A method comprising providing an inline frame (iFrame) and secure cross domain messaging for collecting sensitive payment data regarding access to monies held for an end user, the iFrame is embedded directly within a website maintained by a business entity; collecting the sensitive payment data via the iFrame; storing the sensitive payment data in an electronic database; associating a payment data token with the sensitive payment data; providing the payment data token to the business entity; receiving a request from the business entity to transfer at least a portion of the monies to the business entity; receiving the payment data token from the business entity with the request; retrieving the sensitive payment data from the electronic database; and transferring the at least a portion of the monies to the business entity utilizing the retrieved sensitive payment data via a backend payment gateway.
    Type: Application
    Filed: October 9, 2009
    Publication date: April 15, 2010
    Applicant: NELNET BUSINESS SOLUTIONS, INC.
    Inventor: Michael Kloster
  • Patent number: 6524056
    Abstract: An apparatus for easily loading and unloading a motorcycle or similar vehicle onto and from the bed of a utility vehicle such as a pick-up truck which only requires a single operator. The apparatus comprises a guide rail subassembly secured to the bed of a utility vehicle, a main ramp subassembly detachably secured to the guide rail subassembly, a dolly subassembly which is adapted to support the motorcycle and ride on the main ramp subassembly and the guide rail subassembly, a plurality of adjustable tie down straps for detachably securing the motorcycle to the dolly subassembly, and an approach ramp subassembly which is detachably secured to the dolly subassembly. The dolly subassembly has a winch and a battery mounted thereon with the battery powering the winch which has one end of a flexible cable secured thereto and a free end of the flexible cable having a hook secured thereto which is adapted to be attached to an eye bolt secured to the guide rail subassembly.
    Type: Grant
    Filed: April 19, 2001
    Date of Patent: February 25, 2003
    Inventor: Michael Kloster