Patents by Inventor Sanjay K. Jindal
Sanjay K. Jindal 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).
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Publication number: 20140324564Abstract: In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the teransaction data.Type: ApplicationFiled: July 14, 2014Publication date: October 30, 2014Inventors: Jay S. Walker, Sanjay K. Jindal, Toby Weir-Jones, Stephen C. Tulley, Michael D. Downs
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Patent number: 8781893Abstract: In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data.Type: GrantFiled: April 5, 2013Date of Patent: July 15, 2014Assignee: Inventor Holdings, LLCInventors: Jay S. Walker, Sanjay K. Jindal, Toby Weir-Jones, Stephen C. Tulley, Michael D. Downs
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Patent number: 8423400Abstract: In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data.Type: GrantFiled: February 6, 2012Date of Patent: April 16, 2013Assignee: Walker Digital, LLCInventors: Jay S. Walker, Sanjay K. Jindal, Toby Weir-Jones, Stephen C. Tulley, Michael D. Downs
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Publication number: 20130036027Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: ApplicationFiled: October 9, 2012Publication date: February 7, 2013Applicant: WALKER DIGITAL, LLCInventors: JAY S. WALKER, Bruce R. Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Patent number: 8315948Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: GrantFiled: June 8, 2006Date of Patent: November 20, 2012Assignee: Walker Digital, LLCInventors: Jay S. Walker, Bruce Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Patent number: 8280770Abstract: A system comprises a point-of-sale (POS) terminal, a POS controller, a retail subscription system. The POS terminal allows a cashier to enter subscription sales data into the POS controller. The POS controller maintains databases on available subscriptions and produces databases containing data relating to subscriptions sold to customers. The retail subscription system verifies the subscriptions by reference to its own databases and transmits the subscriptions to a fulfillment house for distribution.Type: GrantFiled: April 19, 2011Date of Patent: October 2, 2012Assignee: Apple Inc.Inventors: Jay S. Walker, Sanjay K. Jindal
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Publication number: 20120136711Abstract: In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data.Type: ApplicationFiled: February 6, 2012Publication date: May 31, 2012Applicant: WALKER DIGITAL, LLCInventors: Jay S. Walker, Sanjay K. Jindal, Toby Weir-Jones, Stephen C. Tulley, Michael D. Downs
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Patent number: 8126771Abstract: In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined. Transaction data that is associated with the financial account is received, and a second performance target for the financial account is determined based on the transaction data.Type: GrantFiled: September 25, 2008Date of Patent: February 28, 2012Assignee: Walker Digital, LLCInventors: Jay S. Walker, Sanjay K. Jindal, Toby Weir-Jones, Stephen C. Tulley, Michael D. Downs
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Patent number: 8099360Abstract: The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. In some aspects, issuing a gift certificate may comprise receiving a request for a gift certificate, determining a gift certificate identifier and generating a gift certificate.Type: GrantFiled: February 21, 2011Date of Patent: January 17, 2012Assignee: Walker Digital, LLCInventors: Jay S. Walker, Daniel E. Tedesco, James A. Jorasch, Robert R. Lech, Sanjay K. Jindal
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Publication number: 20110196730Abstract: A system comprises a point-of-sale (POS) terminal, a MS controller, a retail subscription system. The POS terminal allows a cashier to enter subscription sales data into the POS controller. The POS controller maintains databases on available subscriptions and produces databases containing data relating to subscriptions sold to customers. The retail subscription system verifies the subscriptions by reference to its own databases and transmits the subscriptions to a fulfillment house for distribution.Type: ApplicationFiled: April 19, 2011Publication date: August 11, 2011Inventors: JAY S. WALKER, Sanjay K. Jindal
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Publication number: 20110145142Abstract: The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account.Type: ApplicationFiled: February 21, 2011Publication date: June 16, 2011Applicant: WALKER DIGITAL, LLCInventors: Jay S. Walker, Daniel E. Tedesco, James A. Jorasch, Robert R. Lech, Sanjay K. Jindal
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Patent number: 7949558Abstract: A system comprises a point-of-sale (POS) terminal, a POS controller, a retail subscription system. The POS terminal allows a cashier to enter subscription sales data into the POS controller. The POS controller maintains databases on available subscriptions and produces databases containing data relating to subscriptions sold to customers. The retail subscription system verifies the subscriptions by reference to its own databases and transmits the subscriptions to a fulfillment house for distribution.Type: GrantFiled: August 2, 2007Date of Patent: May 24, 2011Assignee: Walker Digital, LLCInventors: Jay S. Walker, Sanjay K. Jindal
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Patent number: 7895120Abstract: The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. The present invention includes a first aspect directed to a merchant card authorization terminal and a second aspect directed to a credit card issuer central controller. According to the first aspect, a method for redeeming a gift certificate drawn on a financial account is disclosed including the steps of receiving a gift certificate for payment of an identified value, transmitting a request for authorization to a central server, receiving an authorization signal, representing an indication that redemption of the gift certificate is authorized, from said central server and receiving a payment from the account issuer based on said identified value. A system is also disclosed for implementing the methods in all aspects of the present invention.Type: GrantFiled: June 9, 2006Date of Patent: February 22, 2011Assignee: Walker Digital, LLCInventors: Jay S. Walker, Daniel E. Tedesco, James A. Jorasch, Robert R. Lech, Sanjay K. Jindal
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Patent number: 7853529Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: GrantFiled: October 23, 2000Date of Patent: December 14, 2010Assignee: Walker Digital, LLCInventors: Jay S. Walker, Bruce Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Publication number: 20100306105Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: ApplicationFiled: August 16, 2010Publication date: December 2, 2010Applicant: Walker Digital, LLCInventors: JAY S. WALKER, Bruce Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Patent number: 7844550Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: GrantFiled: January 24, 2006Date of Patent: November 30, 2010Assignee: Walker Digital, LLCInventors: Jay S. Walker, Bruce Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Publication number: 20100299259Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: ApplicationFiled: August 4, 2010Publication date: November 25, 2010Applicant: Walker Digital, LLCInventors: Jay S. Walker, Bruce Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Publication number: 20100293101Abstract: A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction.Type: ApplicationFiled: July 28, 2010Publication date: November 18, 2010Applicant: Walker Digital, LLCInventors: Jay S. Walker, Bruce Schneier, Sanjay K. Jindal, Daniel E. Tedesco
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Patent number: 7747522Abstract: The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. The present invention includes a first aspect directed to a merchant card authorization terminal and a second aspect directed to a credit card issuer central controller. According to the first aspect, a method for redeeming a gift certificate drawn on a financial account is disclosed including the steps of receiving a gift certificate for payment of an identified value, transmitting a request for authorization to a central server, receiving an authorization signal, representing an indication that redemption of the gift certificate is authorized, from said central server and receiving a payment from the account issuer based on said identified value. A system is also disclosed for implementing the methods in all aspects of the present invention.Type: GrantFiled: July 10, 2000Date of Patent: June 29, 2010Assignee: Walker Digital, LLCInventors: Jay S. Walker, Daniel E. Tedesco, James A. Jorasch, Robert R. Lech, Sanjay K. Jindal
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Patent number: 7547251Abstract: A system and method for performing integrated lottery ticket and merchandise transactions using a point-of-sale terminal that generates a single sales receipt containing all pertinent lottery ticket and merchandise transaction information. The lottery tickets generated include fractional value and “quick-pick” lottery tickets. A group of point-of-sale terminals are connected to a POS controller which communicates with a lottery data processing system. An encrypted authentication code also printed on the sales receipt allows the lottery player to verify all lottery ticket transaction information, as needed.Type: GrantFiled: June 20, 2006Date of Patent: June 16, 2009Assignee: Walker Digital, LLCInventors: Jay S. Walker, James A. Jorasch, Sanjay K. Jindal