Patents by Inventor Roy Goncalves

Roy Goncalves 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).

  • Change-based transactions for an electronic kiosk
    Patent number: 8886557
    Abstract: A variety of products and services can be integrated into and offered for purchase by an electronic kiosk. An electronic kiosk can accept funds for an initial transaction and the can apply any resulting amount of change from the initial transaction to a second transaction. The transactions can involve products and services and can be amount-based transactions or account-based transactions.
    Type: Grant
    Filed: June 29, 2005
    Date of Patent: November 11, 2014
    Assignee: TIO Networks Corp.
    Inventors: Hamed Shahbazi, Chris Ericksen, Roy Goncalves
  • Automatic Settlement of User Account From a Remote Kiosk
    Publication number: 20120023019
    Abstract: A transaction kiosk collects cash from a user and then electronically negotiates with the user's creditor to settle a balance on an account with the creditor. The bank recognizes the cash deposited in the transaction kiosk by the user as security for the settlement amount. The cash deposited in the transaction kiosk is considered a cash asset owned by the bank and available to satisfy depositor claims. A transaction processor brokers the transaction between the user of the transaction kiosk, the surety bank, and the creditor.
    Type: Application
    Filed: September 19, 2011
    Publication date: January 26, 2012
    Applicant: TIO Networks Corporation
    Inventors: Sandra Hartfield, Jack Madrid, Hamed Shahbazi, Roy Goncalves
  • Automatic settlement of user account with creditor from transaction kiosk
    Patent number: 8025213
    Abstract: A transaction kiosk collects cash from a user and then electronically negotiates with the user's creditor to settle a balance on an account with the creditor. The bank recognizes the cash deposited in the transaction kiosk by the user as security for the settlement amount. The cash deposited in the transaction kiosk is considered a cash asset owned by the bank and available to satisfy depositor claims. A transaction processor brokers the transaction between the user of the transaction kiosk, the surety bank, and the creditor.
    Type: Grant
    Filed: January 10, 2006
    Date of Patent: September 27, 2011
    Inventors: Sandra Hartfield, Jack Madrid, Hamed Shahbazi, Roy Goncalves
  • Automatic settlement of user account with creditor from transaction kiosk
    Publication number: 20070100750
    Abstract: A transaction kiosk collects cash from a user and then electronically negotiates with the user's creditor to settle a balance on an account with the creditor. The bank recognizes the cash deposited in the transaction kiosk by the user as security for the settlement amount. The cash deposited in the transaction kiosk is considered a cash asset owned by the bank and available to satisfy depositor claims. A transaction processor brokers the transaction between the user of the transaction kiosk, the surety bank, and the creditor.
    Type: Application
    Filed: January 10, 2006
    Publication date: May 3, 2007
    Inventors: Sandra Hartfield, Jack Madrid, Hamed Shahbazi, Roy Goncalves
  • Change-based transactions for an electronic kiosk
    Publication number: 20060036501
    Abstract: A variety of products and services can be integrated into and offered for purchase by an electronic kiosk. An electronic kiosk can accept funds for an initial transaction and the can apply any resulting amount of change from the initial transaction to a second transaction. The transactions can involve products and services and can be amount-based transactions or account-based transactions.
    Type: Application
    Filed: June 29, 2005
    Publication date: February 16, 2006
    Inventors: Hamed Shahbazi, Chris Ericksen, Roy Goncalves