Patents by Inventor Philip Pointer
Philip Pointer 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: 9123375Abstract: A system of receiving prerecorded media discs from users is disclosed. The system may include a control system having a processor capable of accessing a library associating a native bar code with the content of a prerecorded media disc and receiving the identification of a native bar code of a media disc from an optical disc identification system. The system may also include a user interface system having a buy-back activator and being adapted to receive a media disc from a user, where the user interface is capable of communicating a buy-back price to the user. An optical disc identification system may include a disc holder, a light source, a sensor capable of capturing a digital image of the hub of a media disc including a native bar code, and an image processor capable of reading the native bar code from a digital image.Type: GrantFiled: March 13, 2013Date of Patent: September 1, 2015Inventors: Dwain Crackel, David W. Ferguson, Victor A. Kean, Philip Pointer, Alan R. Wolf
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Publication number: 20140054363Abstract: A system of receiving prerecorded media discs from users is disclosed. The system may include a control system having a processor capable of accessing a library associating a native bar code with the content of a prerecorded media disc and receiving the identification of a native bar code of a media disc from an optical disc identification system. The system may also include a user interface system having a buy-back activator and being adapted to receive a media disc from a user, where the user interface is capable of communicating a buy-back price to the user. An optical disc identification system may include a disc holder, a light source, a sensor capable of capturing a digital image of the hub of a media disc including a native bar code, and an image processor capable of reading the native bar code from a digital image.Type: ApplicationFiled: March 13, 2013Publication date: February 27, 2014Inventors: Dwain CRACKEL, David W. FERGUSON, Victor A. KEAN, Philip POINTER, Alan R. WOLF
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Patent number: 8413881Abstract: A system of receiving prerecorded media discs from users is disclosed. The system may include a control system having a processor capable of accessing a library associating a native bar code with the content of a prerecorded media disc and receiving the identification of a native bar code of a media disc from an optical disc identification system. The system may also include a user interface system having a buy-back activator and being adapted to receive a media disc from a user, where the user interface is capable of communicating a buy-back price to the user. An optical disc identification system may include a disc holder, a light source, a sensor capable of capturing a digital image of the hub of a media disc including a native bar code, and an image processor capable of reading the native bar code from a digital image.Type: GrantFiled: February 22, 2010Date of Patent: April 9, 2013Assignee: Into Great Companies, Inc.Inventors: Dwain Crackel, David W. Ferguson, Victor A. Kean, Jr., Philip Pointer, Alan R. Wolf
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Publication number: 20110204134Abstract: A system of receiving prerecorded media discs from users is disclosed. The system may include a control system having a processor capable of accessing a library associating a native bar code with the content of a prerecorded media disc and receiving the identification of a native bar code of a media disc from an optical disc identification system. The system may also include a user interface system having a buy-back activator and being adapted to receive a media disc from a user, where the user interface is capable of communicating a buy-back price to the user. An optical disc identification system may include a disc holder, a light source, a sensor capable of capturing a digital image of the hub of a media disc including a native bar code, and an image processor capable of reading the native bar code from a digital image.Type: ApplicationFiled: February 22, 2010Publication date: August 25, 2011Inventors: Dwain CRACKEL, David W. FERGUSON, Victor KEAN, JR., Philip POINTER, Alan WOLF
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Patent number: 7853524Abstract: Systems and methods for selecting a form for crediting a payee by a payment service provider include receiving a request to pay a payee on behalf of a payer. A form for crediting the payee is selected based on at least one of a comparison of a payer account number associated with the payer and the payee to a merchant account scheme associated with the payee or a comparison of a payment amount associated with the received request to a merchant credit limit associated with the payee. A payment is directed to the payee in accordance with the selected form for crediting.Type: GrantFiled: December 26, 2001Date of Patent: December 14, 2010Assignee: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 7240031Abstract: A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service provider searches a master database containing names of merchants to determine if the merchant the consumer has requested be paid is included in the database. If the merchant is not included in the database the service provider adds the merchant to the database. The request is processed to generate an instruction to pay the merchant.Type: GrantFiled: March 31, 2000Date of Patent: July 3, 2007Assignee: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 7213003Abstract: A system and method for paying bills which uses bank routing numbers. A service provider receives a bank routing number from a consumer, the routing number belonging to the bank at which the consumer maintains a deposit account. The service provider verifies that this received routing number is correct. The verification includes comparing the received routing number to a database of routing numbers which the service provider has obtained from banks.Type: GrantFiled: March 31, 2000Date of Patent: May 1, 2007Assignee: Checkfree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 7107244Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications methods to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers instructions.Type: GrantFiled: June 11, 2001Date of Patent: September 12, 2006Assignee: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 7039650Abstract: A database merging apparatus includes a database pair generator that creates a database pair from a first database, a probe set generator that creates a database probe set from a second database and a comparator in communication with the database pair generator and the probe set generator. The comparator determines if the database probe set correlates to the database pair. An identifier is in communication with the comparator to identify a correlation between the database pair and the database probe set so that correlating data from the first database and the second database can be accessed if there is a correlation.Type: GrantFiled: August 2, 2002Date of Patent: May 2, 2006Assignee: Sypherlink, Inc.Inventors: Steve Adams, James Paat, Philip Pointer
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Publication number: 20040093305Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.Type: ApplicationFiled: October 31, 2003Publication date: May 13, 2004Applicant: CHECKFREE CORPORATIONInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Publication number: 20040083171Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.Type: ApplicationFiled: October 31, 2003Publication date: April 29, 2004Applicant: CHECKFREE CORPORATIONInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Publication number: 20030225780Abstract: A database merging apparatus includes a database pair generator that creates a database pair from a first database, a probe set generator that creates a database probe set from a second database and a comparator in communication with the database pair generator and the probe set generator. The comparator determines if the database probe set correlates to the database pair. An identifier is in communication with the comparator to identify a correlation between the database pair and the database probe set so that correlating data from the first database and the second database can be accessed if there is a correlation.Type: ApplicationFiled: August 2, 2002Publication date: December 4, 2003Applicant: SYPHERLINK, Inc.Inventors: Steve Adams, James Paat, Philip Pointer
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Publication number: 20020065773Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.Type: ApplicationFiled: December 26, 2001Publication date: May 30, 2002Applicant: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lack, Philip Pointer, Kenneth Cook
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Publication number: 20020062282Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.Type: ApplicationFiled: December 26, 2001Publication date: May 23, 2002Applicant: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lack, Philip Pointer, Kenneth Cook
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Publication number: 20010044776Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.Type: ApplicationFiled: June 11, 2001Publication date: November 22, 2001Applicant: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 5873072Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.Type: GrantFiled: January 13, 1995Date of Patent: February 16, 1999Assignee: Checkfree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 5383113Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications; means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment to the merchants according to the consumers' instructions based on a financial risk analysis.Type: GrantFiled: July 25, 1991Date of Patent: January 17, 1995Assignee: Checkfree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook