Patents by Inventor Rodney Kenneth Drury

Rodney Kenneth Drury 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: 20240070635
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Application
    Filed: September 15, 2023
    Publication date: February 29, 2024
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20230385953
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: August 7, 2023
    Publication date: November 30, 2023
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 11803826
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Grant
    Filed: May 24, 2022
    Date of Patent: October 31, 2023
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20230325941
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: June 15, 2023
    Publication date: October 12, 2023
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20230325940
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: June 15, 2023
    Publication date: October 12, 2023
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 11783433
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: October 10, 2023
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20220292466
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Application
    Filed: May 24, 2022
    Publication date: September 15, 2022
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20210256625
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: May 3, 2021
    Publication date: August 19, 2021
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 11030706
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Grant
    Filed: November 29, 2018
    Date of Patent: June 8, 2021
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20190096005
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: November 29, 2018
    Publication date: March 28, 2019
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 10181162
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Grant
    Filed: August 21, 2015
    Date of Patent: January 15, 2019
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 9741024
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Grant
    Filed: July 30, 2014
    Date of Patent: August 22, 2017
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20150379646
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: August 21, 2015
    Publication date: December 31, 2015
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 9117208
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Grant
    Filed: September 23, 2014
    Date of Patent: August 25, 2015
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20150220889
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Application
    Filed: April 17, 2015
    Publication date: August 6, 2015
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20150088707
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: September 23, 2014
    Publication date: March 26, 2015
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20150039510
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Application
    Filed: July 30, 2014
    Publication date: February 5, 2015
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20040132433
    Abstract: The present invention solves the problem of cross-provider access proprietary information between unaffiliated and competing network providers, but not allow that information to be disclosed to competing providers. The invention provides a system that allows increased utilization and revenue by allowing information from one provider to be accessed and used to complete a transaction or make a connection with subscribers in another carrier or network system without that information being disclosed. The description of the invention for use in wireless or cellular directory assistance is for convenience and illustration of the features of the invention. It is to be understood that the invention has many embodiments and can be applied to any system where confidential and secure access to an entity or services are needed.
    Type: Application
    Filed: May 15, 2003
    Publication date: July 8, 2004
    Inventors: Robert A. Stern, Rodney Kenneth Drury, Sunny K. Ahn