Patents by Inventor Robert Lawrence Hill

Robert Lawrence Hill 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).

  • Publication number: 20210398673
    Abstract: Disclosed are methods and systems that make use of light scattering techniques, such as the use of a multiphoton laser-scanning microscope, to quantify the scattering directionality of second harmonic generation (SHG) from biopsy samples of cancer in order to predict efficacy of neoadjuvant chemotherapy.
    Type: Application
    Filed: November 8, 2019
    Publication date: December 23, 2021
    Inventors: Robert Lawrence HILL, Edward Bernard BROWN, David HICKS, Brandon BUSCAGLIA, Bradley TURNER, Danielle DESA
  • Patent number: 11205160
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: December 21, 2021
    Assignee: FIDELITY INFORMATION SERVICES, LLC
    Inventors: Whitney Hilton Stewart, Matthew Lacey Peterson, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Publication number: 20200294005
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Application
    Filed: May 29, 2020
    Publication date: September 17, 2020
    Inventors: Whitney Hilton Stewart, Matthew Lacey Peterson, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Patent number: 10657588
    Abstract: A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.
    Type: Grant
    Filed: May 22, 2017
    Date of Patent: May 19, 2020
    Assignee: EFUNDS CORPORATION
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koep
  • Publication number: 20190279171
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Application
    Filed: May 16, 2019
    Publication date: September 12, 2019
    Inventors: Whitney Hilton Stewart, Matthew Lacey Peterson, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Patent number: 10318934
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Grant
    Filed: February 25, 2013
    Date of Patent: June 11, 2019
    Assignee: eFunds Corporation
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Publication number: 20180096422
    Abstract: A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.
    Type: Application
    Filed: May 22, 2017
    Publication date: April 5, 2018
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koep
  • Patent number: 9691101
    Abstract: A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.
    Type: Grant
    Filed: May 21, 2012
    Date of Patent: June 27, 2017
    Assignee: eFunds Corporation
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koep
  • Patent number: 8401966
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Grant
    Filed: September 26, 2011
    Date of Patent: March 19, 2013
    Assignee: eFunds Corporation
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Publication number: 20130066780
    Abstract: A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.
    Type: Application
    Filed: May 21, 2012
    Publication date: March 14, 2013
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koen
  • Patent number: 8204812
    Abstract: A system and method of electronically funding a financial account is disclosed. The method includes the acts of providing an electronic funding application, electronically transmitting the electronic funding application to a customer-operated client, and entering financial data into the funding application of the customer-operated client. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The method further includes the acts of electronically transmitting the financial data to a server (30), validating that at least a portion of the entered financial data corresponds to the demand deposit account, converting the MICR line to an item compatible with the Automated Clearing House network, submitting the item and the currency to this network and electronically transfering the currency from the demand deposit account to the financial account.
    Type: Grant
    Filed: November 30, 2000
    Date of Patent: June 19, 2012
    Assignee: EFunds Corporation
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koep
  • Publication number: 20120016800
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Application
    Filed: September 26, 2011
    Publication date: January 19, 2012
    Applicant: EFUNDS CORPORATION
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Patent number: 8060441
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Grant
    Filed: May 24, 2010
    Date of Patent: November 15, 2011
    Assignee: eFunds Corporation
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Publication number: 20100318460
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Application
    Filed: May 24, 2010
    Publication date: December 16, 2010
    Applicant: EFUNDS CORPORATION
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Patent number: 7752132
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Grant
    Filed: February 25, 2002
    Date of Patent: July 6, 2010
    Assignee: eFunds Corporation
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates
  • Publication number: 20030078883
    Abstract: A system and method of electronically funding a financial account is disclosed. The method includes the acts of providing an electronic funding application, electronically transmitting the electronic funding application to a customer-operated client, and entering financial data into the funding application of the customer-operated client. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The method further includes the acts of electronically transmitting the financial data to a server (30), validating that at least a portion of the entered financial data corresponds to the demand deposit account, converting the MICR line to an item compatible with the Automated Clearing House network, submitting the item and the currency to this network and electronically transfering the currency from the demand deposit account to the financial account.
    Type: Application
    Filed: September 26, 2002
    Publication date: April 24, 2003
    Inventors: Whitney Hilton Stewart, Robert Lawrence Hill, Connie Koep
  • Publication number: 20020120846
    Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
    Type: Application
    Filed: February 25, 2002
    Publication date: August 29, 2002
    Inventors: Whitney Hilton Stewart, Matthew Lacey Petersen, Brian John Gallmeier, Teresa Marie Crews, Mark Andrew Nipe, James Michael Haire, Robert Lawrence Hill, Michael Richard Bates