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: 20240070635Abstract: 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: ApplicationFiled: September 15, 2023Publication date: February 29, 2024Applicant: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20230385953Abstract: 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: ApplicationFiled: August 7, 2023Publication date: November 30, 2023Applicant: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Patent number: 11803826Abstract: 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: GrantFiled: May 24, 2022Date of Patent: October 31, 2023Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20230325941Abstract: 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: ApplicationFiled: June 15, 2023Publication date: October 12, 2023Applicant: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20230325940Abstract: 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: ApplicationFiled: June 15, 2023Publication date: October 12, 2023Applicant: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Patent number: 11783433Abstract: 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: GrantFiled: May 3, 2021Date of Patent: October 10, 2023Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20220292466Abstract: 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: ApplicationFiled: May 24, 2022Publication date: September 15, 2022Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20210256625Abstract: 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: ApplicationFiled: May 3, 2021Publication date: August 19, 2021Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Patent number: 11030706Abstract: 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: GrantFiled: November 29, 2018Date of Patent: June 8, 2021Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20190096005Abstract: 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: ApplicationFiled: November 29, 2018Publication date: March 28, 2019Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Patent number: 10181162Abstract: 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: GrantFiled: August 21, 2015Date of Patent: January 15, 2019Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Patent number: 9741024Abstract: 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: GrantFiled: July 30, 2014Date of Patent: August 22, 2017Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20150379646Abstract: 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: ApplicationFiled: August 21, 2015Publication date: December 31, 2015Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Patent number: 9117208Abstract: 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: GrantFiled: September 23, 2014Date of Patent: August 25, 2015Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20150220889Abstract: 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: ApplicationFiled: April 17, 2015Publication date: August 6, 2015Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20150088707Abstract: 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: ApplicationFiled: September 23, 2014Publication date: March 26, 2015Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20150039510Abstract: 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: ApplicationFiled: July 30, 2014Publication date: February 5, 2015Inventors: Rodney Kenneth Drury, Matthew John Vickers
-
Publication number: 20040132433Abstract: 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: ApplicationFiled: May 15, 2003Publication date: July 8, 2004Inventors: Robert A. Stern, Rodney Kenneth Drury, Sunny K. Ahn