Patents by Inventor Roy E. Lowrance

Roy E. Lowrance 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: 10445529
    Abstract: Systems and methods are disclosed for verifying the accuracy of reported information. The systems and methods may include generating a hash based on ingredient data related to the creation of a report, storing the hash and the ingredients in a database, the hash being associated with the ingredient data in the database, and outputting the report, the report including the hash. Furthermore, the systems and methods may include receiving an input, the input being based on a first hash of ingredient data related to the creation of the report and determining if the database contains a record corresponding to the input. Moreover, the systems and methods may include outputting information contained in the record corresponding to the input if it was determined that the database contains the record corresponding to the input, the information contained in the record comprising the ingredient data.
    Type: Grant
    Filed: December 6, 2006
    Date of Patent: October 15, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Roy E. Lowrance, Dwight J. Gibbs
  • Publication number: 20190287084
    Abstract: According to one embodiment, a method of providing personalized customer service is provided. The method includes receiving purchase information from purchases made from a merchant using a financial card affiliated with the merchant. The financial card has an associated financial account and an RFID device coupled thereto. The RFID device stores identification data identifying the customer and/or the financial account. The purchase information includes an identification of items purchased during the purchases. The method further includes causing the received purchase information to be stored in storage separate from the card as purchase history information associated with the financial account. The method includes reading the identification data from the RFID device using an RFID reading device, identifying the financial account based on the identification data, and retrieving from storage the stored purchase history information.
    Type: Application
    Filed: June 6, 2019
    Publication date: September 19, 2019
    Inventors: Chitra JAIN, Roy E. LOWRANCE, Gregor S. Bailar, Daniel R. Swanson, SR.
  • Patent number: 10318940
    Abstract: According to one embodiment, a method of providing personalized customer service is provided. The method includes receiving purchase information from purchases made from a merchant using a financial card affiliated with the merchant. The financial card has an associated financial account and an RFID device coupled thereto. The RFID device stores identification data identifying the customer and/or the financial account. The purchase information includes an identification of items purchased during the purchases. The method further includes causing the received purchase information to be stored in storage separate from the card as purchase history information associated with the financial account. The method includes reading the identification data from the RFID device using an RFID reading device, identifying the financial account based on the identification data, and retrieving from storage the stored purchase history information associated with the identified financial account.
    Type: Grant
    Filed: April 14, 2004
    Date of Patent: June 11, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Chitra Jain, Roy E. Lowrance, Gregor S. Bailar, Daniel R. Swanson, Sr.
  • Publication number: 20190147191
    Abstract: Systems and methods are disclosed for verifying the accuracy of reported information. The systems and methods may include generating a hash based on ingredient data related to the creation of a report, storing the hash and the ingredients in a database, the hash being associated with the ingredient data in the database, and outputting the report, the report including the hash. Furthermore, the systems and methods may include receiving an input, the input being based on a first hash of ingredient data related to the creation of the report and determining if the database contains a record corresponding to the input. Moreover, the systems and methods may include outputting information contained in the record corresponding to the input if it was determined that the database contains the record corresponding to the input, the information contained in the record comprising the ingredient data.
    Type: Application
    Filed: January 11, 2019
    Publication date: May 16, 2019
    Inventors: Roy E. LOWRANCE, Dwight J. Gibbs
  • Patent number: 7809700
    Abstract: Systems and methods are disclosed for verifying the accuracy of reported information. The systems and methods may include generating a hash based on ingredient data related to the creation of a report, storing the hash and the ingredients in a database, the hash being associated with the ingredient data in the database, and outputting the report, the report including the hash. Furthermore, the systems and methods may include receiving an input, the input being based on a first hash of ingredient data related to the creation of the report and determining if the database contains a record corresponding to the input. Moreover, the systems and methods may include outputting information contained in the record corresponding to the input if it was determined that the database contains the record corresponding to the input, the information contained in the record comprising the ingredient data.
    Type: Grant
    Filed: April 9, 2004
    Date of Patent: October 5, 2010
    Assignee: Capital One Financial Corporation
    Inventors: Roy E. Lowrance, Dwight J. Gibbs