Patents by Inventor Ricardo Andres Alvarez Gutierrez

Ricardo Andres Alvarez Gutierrez 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).

  • Patent number: 11488220
    Abstract: A method whereby the date of birth (age) of a customer engaging in e-commerce over the Internet is verified. The present invention is launched from a merchant's website when an age sensitive transaction—alcohol or tobacco purchase, access to an adult web site, etc.,—is being undertaken. The system first checks to see if the customer is a known entity with a known date of birth. If the customer is not appropriately known to the system, then the system checks public records from information supplied to the system by the customer. If the date of birth is still unknown after such a check, the customer uploads an image of photo identification which is checked for date of birth either via software and also a selfie holding the identification. Optional SMS code verification can be undertaken. E-signatures can be optionally collected. Once the date of birth is known, the transaction is approved or denied based on the totality of the facts of the transaction.
    Type: Grant
    Filed: April 19, 2021
    Date of Patent: November 1, 2022
    Inventors: Ricardo Andres Alvarez Gutierrez, Matthew Fields, Nicolas W. T. Jabbour
  • Patent number: 10984458
    Abstract: A method whereby the date of birth (age) of a consumer engaging in e-commerce over the Internet is verified. The present invention is launched from a merchant's website when an age sensitive transaction—alcohol or tobacco purchase, access to an adult web site, etc., —is being undertaken. The system first checks to see if the consumer is a known entity with a known date of birth. If the consumer is not known to the system, then the system checks public records from information supplied to the system by the consumer. If the date of birth is still unknown after such a check, the consumer uploads an image of photo identification which is checked for date of birth either via software or manually. Once the date of birth is known, the transaction is approved or denied based on the totality of the facts of the transaction.
    Type: Grant
    Filed: September 22, 2016
    Date of Patent: April 20, 2021
    Assignee: Bankcard USA Merchant Services, Inc.
    Inventor: Ricardo Andres Alvarez Gutierrez