Patents by Inventor Randy J. Templeton
Randy J. Templeton 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: 20140089118Abstract: Method and apparatus for effecting a bill-pay/account-loading program as a “product” for sale at retailers, preferably including consumer involvement 1) in establishing a relationship with a payment facilitator and with receiving a relevant “app;” 2) in securing a barcode or other product identifier to use at a retailer to purchase a bill-pay/account loading “product,” which could be a gift card controlled by the payment facilitator; and 3) in confirming the tendering of cash or the like to a retailer, preferably based on a retailer receipt and consumer device information; alternately including consumer funding of a retailer gift card and a payment provider paying a consumer's bill using the funded gift card and settling with the retailer based on the amount in the gift card account, preferably after the provider verifying funding of the card account by accessing gift card records.Type: ApplicationFiled: July 30, 2013Publication date: March 27, 2014Inventors: Randy J. Templeton, Jose A. Vertiz
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Patent number: 8595135Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.Type: GrantFiled: May 30, 2012Date of Patent: November 26, 2013Inventor: Randy J. Templeton
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Patent number: 8386384Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.Type: GrantFiled: May 30, 2012Date of Patent: February 26, 2013Assignee: PreCash, Inc.Inventor: Randy J. Templeton
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Patent number: 8352367Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.Type: GrantFiled: May 30, 2012Date of Patent: January 8, 2013Assignee: PreCash, Inc.Inventor: Randy J. Templeton
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Publication number: 20120310833Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.Type: ApplicationFiled: May 30, 2012Publication date: December 6, 2012Applicant: PRECASH, INC.Inventor: Randy J. Templeton
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Publication number: 20120296814Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider.Type: ApplicationFiled: May 30, 2012Publication date: November 22, 2012Applicant: PRECASH, INC.Inventor: Randy J. Templeton
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Publication number: 20120296813Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.Type: ApplicationFiled: May 30, 2012Publication date: November 22, 2012Applicant: PRECASH, INC.Inventor: Randy J. Templeton
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Patent number: 8234214Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider.Type: GrantFiled: June 28, 2011Date of Patent: July 31, 2012Assignee: PreCash, Inc.Inventor: Randy J. Templeton
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Publication number: 20120136790Abstract: A system and method for payment of payor accounts with payees preferably including a computer system of a third party payment router instructing a payee to make a payment to an account on behalf of a payor using a variety of communication routes between the router and the payee and/or the computer system of the payee, preferably using a universally accepted open system card number that is a virtual number. In some embodiments a computer system of an intermediary third party payment router communicates with a computer system of the service provider, to make payments on an end user's (payor's) account, by logging onto a payee webpage, or by IVR with a payee phone site, or by prearranged direct transmission or email or fax or texting or mail, automated to the extent possible.Type: ApplicationFiled: November 14, 2011Publication date: May 31, 2012Inventor: Randy J. Templeton
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Publication number: 20110313926Abstract: A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider.Type: ApplicationFiled: June 28, 2011Publication date: December 22, 2011Applicant: PRECASH, INCInventor: Randy J. Templeton
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Patent number: 7540410Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: GrantFiled: July 28, 2006Date of Patent: June 2, 2009Assignee: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Patent number: 7124936Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: GrantFiled: February 5, 2003Date of Patent: October 24, 2006Assignee: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Publication number: 20030111529Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: ApplicationFiled: February 5, 2003Publication date: June 19, 2003Applicant: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Patent number: 6547132Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: GrantFiled: August 9, 2000Date of Patent: April 15, 2003Assignee: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith