Patents by Inventor Sandra Hartfield

Sandra Hartfield 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).

  • 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