Patents by Inventor Scott J. Loftesness

Scott J. Loftesness 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).

  • METHOD AND APPARATUS FOR IDENTITY THEFT PREVENTION
    Publication number: 20110087574
    Abstract: A system and method issues a credit card or other credit instrument to a user by first obtaining authorization and authentication from the user.
    Type: Application
    Filed: October 15, 2010
    Publication date: April 14, 2011
    Inventors: Scott J. Loftesness, Carol C. Benson
  • Method and apparatus for identity theft prevention
    Patent number: 7840459
    Abstract: A system and method issues a credit card or other credit instrument to a user by first obtaining authorization and authentication from the user.
    Type: Grant
    Filed: May 21, 2004
    Date of Patent: November 23, 2010
    Assignee: Visa U.S.A. Inc.
    Inventors: Scott J Loftesness, Carol C Benson
  • System and method for a targeted payment system discount program
    Patent number: 6332126
    Abstract: A system and method for operating a computer based targeted payment system discount program. Consumer information from consumer payment system institutions is used to match qualified consumers to targeted merchant discount offers. Offers are automatically prioritized based on their expected value to consumers and consumers receive the highest priority offers for which they qualify. The default prioritization can be altered or overridden by the consumer's payment systems institution. Discounts are automatically applied during the processing of the qualifying purchase without the need for coupons or additional actions by either the merchant or consumer.
    Type: Grant
    Filed: August 1, 1996
    Date of Patent: December 18, 2001
    Assignee: First Data Corporation
    Inventors: Roger L. Peirce, Bruce C. Rhoads, John Duncan, Scott J. Loftesness, Kurt W. Johnson, Mary K. Dobbs, Dan Mayes