Patents by Inventor Peter D. Saunders
Peter D. Saunders 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).
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Patent number: 9336634Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.Type: GrantFiled: September 21, 2012Date of Patent: May 10, 2016Assignee: Chartoleaux KG Limited Liability CompanyInventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 9307341Abstract: A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions.Type: GrantFiled: November 21, 2013Date of Patent: April 5, 2016Assignee: III Holdings 1, LLCInventors: Blayn W. Beenau, Jessica U. Warren, Lee J. Peart, Peter D. Saunders
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Publication number: 20160019541Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. An exemplary dynamic synchronization system (DSS) may comprise various fob POS devices, a secure support client server, a fob object database update system (FODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more fob POS devices configured to interoperably accept and interface with fobs. In an exemplary embodiment, DSS may comprise a personalization system and an account maintenance system configured to communicate with FODUS.Type: ApplicationFiled: July 13, 2015Publication date: January 21, 2016Inventors: David S. Bonalle, Carl Larkin, Peter D. Saunders
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Publication number: 20150379509Abstract: The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA sensor that detects biometric samples, and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions.Type: ApplicationFiled: September 7, 2015Publication date: December 31, 2015Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 9196110Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. In an exemplary embodiment, a dynamic synchronization system (DSS) may comprise a personalization system and an account maintenance system configured to communicate with a fob object database update system (FODUS). Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.Type: GrantFiled: November 30, 2011Date of Patent: November 24, 2015Assignee: III Holdings 1, LLCInventors: David S. Bonalle, Carl Larkin, Peter D. Saunders
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Publication number: 20150317624Abstract: A system and method for a RF transaction device for storing user personal data is disclosed. The invention includes a system and method for facilitating a healthcare transaction using a transponder system configured to store different healthcare information in different storage areas on a database. The invention includes providing account information in ISO/IEC 7816 magnetic stripe Track 1/Track 2 format. The invention also includes an RFID reader for transmitting account and database information. In one embodiment the invention provides an RFID reader as a free standing or a computer implemented device. In another embodiment, biometric security measures are used in conjunction with the transponder system. In another embodiment, the transponder system communicates with one or more third-party healthcare providers to facilitate the transfer of healthcare and personal information.Type: ApplicationFiled: July 14, 2015Publication date: November 5, 2015Inventor: Peter D. SAUNDERS
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Patent number: 9129453Abstract: The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA sensor that detects biometric samples, and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions.Type: GrantFiled: October 31, 2008Date of Patent: September 8, 2015Assignee: XATRA FUND MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Publication number: 20150234985Abstract: A system and method for a RF transaction device for storing user personal data is disclosed. The invention includes a system and method for facilitating a healthcare transaction using a transponder system configured to store different healthcare information in different storage areas on a database. The invention includes providing account information in ISO/IEC 7816 magnetic stripe Track 1/Track 2 format. The invention also includes an RFID reader for transmitting account and database information. In one embodiment the invention provides an RFID reader as a free standing or a computer implemented device. In another embodiment, biometric security measures are used in conjunction with the transponder system. In another embodiment, the transponder system communicates with one or more third-party healthcare providers to facilitate the transfer of healthcare and personal information.Type: ApplicationFiled: May 4, 2015Publication date: August 20, 2015Inventor: Peter D. Saunders
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Publication number: 20150220910Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proferred biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.Type: ApplicationFiled: April 16, 2015Publication date: August 6, 2015Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20150161641Abstract: A system and method for using RFID technology to track resource performance and task completion is disclosed. In one exemplary embodiment, a system for facilitating a transaction comprising a transponder, an RF reader, a transaction completion system, and a resource engine. In another exemplary embodiment, the transponder system is configured to provide an account number in ISO/IEC 7816 magnetic stripe Track 1/Track 2 format. In accordance with another aspect the transponder may transmit to the RFID reader information identifying the resource's performance tracking account to which the transponder is associated. The RFID reader may receive and forward the information to facilitate performance tracking.Type: ApplicationFiled: February 19, 2015Publication date: June 11, 2015Inventors: Brian Barnes, David S. Bonalle, Peter D. Saunders
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Patent number: 9031880Abstract: Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.Type: GrantFiled: October 25, 2006Date of Patent: May 12, 2015Assignee: III Holdings 1, LLCInventors: Fred Bishop, Peter D Saunders
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Patent number: 9024719Abstract: A system and method for a RF transaction device for storing user personal data is disclosed. The invention includes a system and method for facilitating a healthcare transaction using a transponder system configured to store different healthcare information in different storage areas on a database. The invention includes providing account information in ISO/IEC 7816 magnetic stripe Track 1/Track 2 format. The invention also includes an RFID reader for transmitting account and database information. In one embodiment the invention provides an RFID reader as a free standing or a computer implemented device. In another embodiment, biometric security measures are used in conjunction with the transponder system. In another embodiment, the transponder system communicates with one or more third-party healthcare providers to facilitate the transfer of healthcare and personal information.Type: GrantFiled: October 15, 2004Date of Patent: May 5, 2015Assignee: Xatra Fund MX, LLCInventor: Peter D Saunders
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Publication number: 20150106187Abstract: A system and method for providing incentives at a merchant location for using a RF identification (RFID) transaction device for transaction completion is provided. An RFID transaction device account number includes a marker for identifying that the transaction is being completed using an RFID transaction device. A merchant system recognizes the marker and provides incentives to the RFID device user accordingly. In one embodiment, the incentives are provided to an RFID device user in real-time. Alternatively, the merchant system may provide the incentives to the customer at a later time. Further still, incentives may be provided to the user based on a prior transaction history, user profile, or any other data related to the user, user account, merchant, product or service.Type: ApplicationFiled: December 22, 2014Publication date: April 16, 2015Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Trevor J. Perry, Peter D. Saunders, Kristin L. VonWald
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Publication number: 20150073997Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.Type: ApplicationFiled: October 27, 2014Publication date: March 12, 2015Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson, Alexandra Mayers
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Patent number: 8960535Abstract: A system and method for using RFID technology to track resource performance and task completion is disclosed. In one exemplary embodiment, a system for facilitating a transaction comprising a transponder, an RF reader, a transaction completion system, and a resource engine. In another exemplary embodiment, the transponder system is configured to provide an account number in ISO/IEC 7816 magnetic stripe Track1/Track 2 format. In accordance with another aspect the transponder may transmit to the RFID reader information identifying the resource's performance tracking account to which the transponder is associated. The RFID reader may receive and forward the information to facilitate performance tracking.Type: GrantFiled: July 1, 2004Date of Patent: February 24, 2015Assignee: III Holdings 1, LLCInventors: Brian T. Barnes, David S. Bonalle, Peter D. Saunders
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Patent number: 8875990Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: November 4, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8872619Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.Type: GrantFiled: May 3, 2007Date of Patent: October 28, 2014Assignee: Xatra Fund MX, LLCInventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson
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Patent number: 8820633Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: September 2, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: RE45416Abstract: A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.Type: GrantFiled: June 15, 2012Date of Patent: March 17, 2015Assignee: Xatra Fund MX, LLCInventors: Fred Bishop, Peter D. Saunders
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Patent number: RE45615Abstract: A RF transaction device is provided, which is operable to store a private label transaction account identifier associated with a private label transaction account. The invention further includes a RF operable reader in communication with a private label transaction processing system. The RF transaction device communicates with the reader to provide the private label transaction account identifier to the transaction processing system. As such, the invention provides a RF transaction device which may be used to complete a transaction using RF frequency in a contactless environment.Type: GrantFiled: October 10, 2008Date of Patent: July 14, 2015Assignee: XATRA FUND MX, LLCInventors: David S. Bonalle, Jeff Fehlhaber, Peter D. Saunders