Patents by Inventor Paul Oncale, III

Paul Oncale, III 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).

  • Systems and methods for conducting real-time application of electronic payments
    Patent number: 7840465
    Abstract: An organization electronically receives a payment from a customer of the organization based on a current time. If the current time is before a predetermined time relating to an identified payment due date, a non-real-time payment system is employed to effectuate the payment from the customer. The non-real-time payment system processes the payment at a later time on or before the identified payment due date such that the payment is applied to the customer on or before the identified payment due date. If the current time is after a predetermined time relating to the identified payment due date, a real-time payment system is employed to effectuate the payment from the customer. The real-time payment system processes the payment at the current time such that the payment is applied to the customer at the current time.
    Type: Grant
    Filed: April 18, 2008
    Date of Patent: November 23, 2010
    Assignee: United Services Automobile Association (USAA)
    Inventors: Maximiliano C. Juarez, Paul Oncale, III