Patents by Inventor Philip W. Yen
Philip W. Yen 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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Publication number: 20210374720Abstract: A card is provided with a light sensor operable to receive information via light emitted from a display screen or another source of light. Accordingly, a mobile telephonic device or portable computer (e.g., tablet computer) may communicate information to a card via light pulses. Information communicated via light may include, for example, points balances, credit balances, debit balances, transaction history, software updates, coupons, promotions, advertisements or any other type of information.Type: ApplicationFiled: August 16, 2021Publication date: December 2, 2021Inventors: Jeffrey D. Mullen, David J. Hartwick, Christopher J. Rigatti, Philip W. Yen
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Patent number: 11144909Abstract: A payment card is provided with a display. A card may be provided to a user with a number of inactivated products. The products may be assigned to the user at card issuance. A user may then activate these products online or via phone. Accordingly, a user may be provided with a cross-selling platform for new products. Discounts, fee waivers, and/or value may be added to an account when an inactivated product is activated.Type: GrantFiled: May 15, 2015Date of Patent: October 12, 2021Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen, Christopher J. Rigatti
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Patent number: 11120427Abstract: A card is provided with a light sensor operable to receive information via light emitted from a display screen or another source of light. Accordingly, a mobile telephonic device or portable computer (e.g., tablet computer) may communicate information to a card via light pulses. Information communicated via light may include, for example, points balances, credit balances, debit balances, transaction history, software updates, coupons, promotions, advertisements or any other type of information.Type: GrantFiled: May 18, 2011Date of Patent: September 14, 2021Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, David J. Hartwick, Christopher J. Rigatti, Philip W. Yen
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Patent number: 11003970Abstract: Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).Type: GrantFiled: October 5, 2018Date of Patent: May 11, 2021Assignee: DYNAMICS INC.Inventors: Philip W. Yen, Jeffrey D. Mullen
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Patent number: 10181097Abstract: Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause an item purchased on credit to be paid via one or more user accounts (e.g., bank accounts) as soon as the next credit statement posts or becomes due. A user may decide to pay for an item when the next statement becomes due at a point-of-sale magnetic stripe reader by using an interface on a card to cause information to be communicated through the infrastructure indicative of a user's desire to pay the for an item when the next statement becomes due.Type: GrantFiled: February 8, 2016Date of Patent: January 15, 2019Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: 9953255Abstract: Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).Type: GrantFiled: November 16, 2017Date of Patent: April 24, 2018Assignee: DYNAMICS INC.Inventors: Philip W. Yen, Jeffrey D. Mullen
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Publication number: 20180060881Abstract: A card, or other device (e.g., a mobile telephonic device), may provide transaction, feature information, and/or any other type of information to a merchant terminal based upon check-in options that may be selected by the user on the card. A routing server may receive transaction information, feature information, merchant related information, cardholder information and/or any other type of information and provide the information to networked entities. The networked entities (e.g., websites, social networks, and search engines) may access the information to track the purchasing habits of one or more cardholders.Type: ApplicationFiled: October 24, 2017Publication date: March 1, 2018Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: 9852368Abstract: Advanced loyalty applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a non-merchant product (e.g., insurance) to be purchased with a merchant purchase. The product can be paid for with debit, credit, gift card balance, or points. A code indicative of a user's desire to purchase the product may be communicated to a payment card reader (e.g., to a magnetic stripe reader via a magnetic stripe communications device). A display may be provided next to a button to allow a user to scroll, or toggle by pressing the button repeatedly, through different products (which may be merchant or non-merchant products).Type: GrantFiled: July 17, 2013Date of Patent: December 26, 2017Assignee: DYNAMICS INC.Inventors: Philip W. Yen, Jeffrey D. Mullen
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Patent number: 9818125Abstract: A card, or other device (e.g., a mobile telephonic device), may provide transaction, feature information, and/or any other type of information to a merchant terminal based upon check-in options that may be selected by the user on the card. A routing server may receive transaction information, feature information, merchant related information, cardholder information and/or any other type of information and provide the information to networked entities. The networked entities (e.g., websites, social networks, and search engines) may access the information to track the purchasing habits of one or more cardholders.Type: GrantFiled: June 13, 2011Date of Patent: November 14, 2017Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: 9652436Abstract: Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause a purchase to be paid by credit and points may be earned for the purchase. A different manual input may, for example, cause a purchase to be paid by credit and points not be earned for the purchase in exchange for one or more chances to win a prize in a random lottery. An instant winner functionality may be provided on a card. For example, a card may randomly become an instant winner based on, for example, time and/or use.Type: GrantFiled: February 8, 2013Date of Patent: May 16, 2017Assignee: DYNAMICS INC.Inventors: Philip W. Yen, Jeffrey D. Mullen
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Patent number: 9292843Abstract: Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause an item purchased on credit to be paid via one or more user accounts (e.g., bank accounts) as soon as the next credit statement posts or becomes due. A user may decide to pay for an item when the next statement becomes due at a point-of-sale magnetic stripe reader by using an interface on a card to cause information to be communicated through the infrastructure indicative of a user's desire to pay the for an item when the next statement becomes due.Type: GrantFiled: July 21, 2014Date of Patent: March 22, 2016Assignee: Dynamics Inc.Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: 9064255Abstract: A payment card is provided with a display. A card may be provided to a user with a number of inactivated products. The products may be assigned to the user at card issuance. A user may then activate these products online or via phone. Accordingly, a user may be provided with a cross-selling platform for new products. Discounts, fee waivers, and/or value may be added to an account when an inactivated product is activated.Type: GrantFiled: May 9, 2014Date of Patent: June 23, 2015Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen, Christopher J. Rigatti
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Patent number: 8931703Abstract: A payment card is provided with a display. A barcode may be selectively displayed on the display. A display may be an electrochromic display in order to increase the readability of a displayed barcode with respect to computer vision equipment. A barcode may be selected by a user from a set of barcodes. Each barcode in a set of barcodes may correspond to a different loyalty account for a different merchant. Accordingly, a user can carry a single card—but may be able to communicate multiple loyalty account barcodes to computer vision equipment across multiple merchants.Type: GrantFiled: March 16, 2010Date of Patent: January 13, 2015Assignee: Dynamics Inc.Inventors: Jeffrey D. Mullen, Philip W. Yen, Bruce S. Cloutier
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Patent number: 8814050Abstract: Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause an item purchased on credit to be paid via one or more user accounts (e.g., bank accounts) as soon as the next credit statement posts or becomes due. A user may decide to pay for an item when the next statement becomes due at a point-of-sale magnetic stripe reader by using an interface on a card to cause information to be communicated through the infrastructure indicative of a user's desire to pay the for an item when the next statement becomes due.Type: GrantFiled: March 26, 2013Date of Patent: August 26, 2014Assignee: Dynamics Inc.Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: 8757483Abstract: A payment card is provided with a display. A card may be provided to a user with a number of inactivated products. The products may be assigned to the user at card issuance. A user may then activate these products online or via phone. Accordingly, a user may be provided with a cross-selling platform for new products. Discounts, fee waivers, and/or value may be added to an account when an inactivated product is activated.Type: GrantFiled: February 8, 2013Date of Patent: June 24, 2014Assignee: Dynamics Inc.Inventors: Jeffrey D. Mullen, Philip W. Yen, Christopher J. Rigatti
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Patent number: 8622309Abstract: A payment card is provided with a display. A user may enter budget amounts and budget expiration dates into a card. Such information may be communicated via a dynamic magnetic stripe communications device such that future purchases adhere to the budget amount and budget expiration date attributes set by a user. Users may set budget information for other users. For example, a parent may set budget information for a child.Type: GrantFiled: April 5, 2010Date of Patent: January 7, 2014Assignee: Dynamics Inc.Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: 8523059Abstract: Advanced payment applications are provided to improve the functionality of cards and devices. For example, a user interface may be placed on a card (e.g., a physical button) or a telephonic device (e.g., a virtual button on a capacitive touch screen). Manual input provided to this user interface may, for example, cause an item purchased on credit to be paid via one or more user accounts (e.g., bank accounts) as soon as the next credit statement posts or becomes due. A user may decide to pay for an item when the next statement becomes due at a point-of-sale magnetic stripe reader by using an interface on a card to cause information to be communicated through the infrastructure indicative of a user's desire to pay the for an item when the next statement becomes due.Type: GrantFiled: October 20, 2010Date of Patent: September 3, 2013Assignee: Dynamics Inc.Inventors: Jeffrey D. Mullen, Philip W. Yen
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Patent number: D792511Type: GrantFiled: July 9, 2010Date of Patent: July 18, 2017Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen, Bruce S. Cloutier, L. Casimir Mostowy, Jr.
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Patent number: D792512Type: GrantFiled: July 9, 2010Date of Patent: July 18, 2017Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen, Bruce S. Cloutier, L. Casimir Mostowy, Jr.
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Patent number: D792513Type: GrantFiled: July 9, 2010Date of Patent: July 18, 2017Assignee: DYNAMICS INC.Inventors: Jeffrey D. Mullen, Philip W. Yen, Bruce S. Cloutier, L. Casimir Mostowy, Jr.