Patents by Inventor Terry W. LEE

Terry W. LEE 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).

  • Publication number: 20230401554
    Abstract: Systems, devices, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices and methods in accordance with the disclosure can be used to create pre-funded payment token data sets, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
    Type: Application
    Filed: August 28, 2023
    Publication date: December 14, 2023
    Inventors: Edison U. ORTIZ, Terry W. LEE, Marko PAVLOVIC, Arnold BADAL-BADALIAN
  • Publication number: 20230394482
    Abstract: Systems, methods and data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
    Type: Application
    Filed: July 10, 2023
    Publication date: December 7, 2023
    Inventors: Stephen James SCOTT, Weiqiang YIN, Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Judy DINN, Chai LAM
  • Patent number: 11775953
    Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
    Type: Grant
    Filed: December 23, 2021
    Date of Patent: October 3, 2023
    Assignee: ROYAL BANK OF CANADA
    Inventors: Edison U. Ortiz, Terry W. Lee, Marko Pavlovic, Arnold Badal-Badalian
  • Publication number: 20230289793
    Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.
    Type: Application
    Filed: May 19, 2023
    Publication date: September 14, 2023
    Inventors: Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Stephen James SCOTT, Weiqiang YIN, Judy DINN, Chai LAM
  • Patent number: 11699152
    Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
    Type: Grant
    Filed: July 30, 2021
    Date of Patent: July 11, 2023
    Assignee: ROYAL BANK OF CANADA
    Inventors: Stephen James Scott, Weiqiang Yin, Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Judy Dinn, Chai Lam
  • Patent number: 11687928
    Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: June 27, 2023
    Assignee: ROYAL BANK OF CANADA
    Inventors: Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Stephen James Scott, Weiqiang Yin, Judy Dinn, Chai Lam
  • Publication number: 20230196356
    Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.
    Type: Application
    Filed: February 13, 2023
    Publication date: June 22, 2023
    Inventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA
  • Patent number: 11615414
    Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.
    Type: Grant
    Filed: October 26, 2020
    Date of Patent: March 28, 2023
    Assignee: ROYAL BANK OF CANADA
    Inventors: Edison U. Ortiz, Terry W. Lee, Linda Mantia
  • Publication number: 20220114571
    Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
    Type: Application
    Filed: December 23, 2021
    Publication date: April 14, 2022
    Inventors: Edison U. ORTIZ, Terry W. LEE, Marko PAVLOVIC, Arnold BADAL-BADALIAN
  • Publication number: 20220020015
    Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).
    Type: Application
    Filed: July 28, 2021
    Publication date: January 20, 2022
    Inventors: Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Stephen James SCOTT, Weiqiang YIN, Judy DINN, Chai LAM
  • Publication number: 20220020016
    Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
    Type: Application
    Filed: July 30, 2021
    Publication date: January 20, 2022
    Inventors: Stephen James SCOTT, Weiqiang YIN, Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Judy DINN, Chai LAM
  • Patent number: 11210648
    Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
    Type: Grant
    Filed: March 8, 2017
    Date of Patent: December 28, 2021
    Assignee: Royal Bank of Canada
    Inventors: Edison U. Ortiz, Terry W. Lee, Marko Pavlovic, Arnold Badal-Badalian
  • Patent number: 11080700
    Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).
    Type: Grant
    Filed: January 19, 2016
    Date of Patent: August 3, 2021
    Assignee: Royal Bank of Canada
    Inventors: Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Stephen James Scott, Weiqiang Yin, Judy Dinn, Chai Lam
  • Patent number: 11080701
    Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
    Type: Grant
    Filed: July 2, 2016
    Date of Patent: August 3, 2021
    Assignee: Royal Bank of Canada
    Inventors: Stephen James Scott, Weigiang Yin, Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Judy Dinn, Chai Lam
  • Publication number: 20210065176
    Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.
    Type: Application
    Filed: October 26, 2020
    Publication date: March 4, 2021
    Inventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA
  • Patent number: 10846692
    Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.
    Type: Grant
    Filed: May 6, 2015
    Date of Patent: November 24, 2020
    Assignee: ROYAL BANK OF CANADA
    Inventors: Edison U. Ortiz, Terry W. Lee, Linda Mantia
  • Patent number: 10755274
    Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.
    Type: Grant
    Filed: January 24, 2017
    Date of Patent: August 25, 2020
    Assignee: ROYAL BANK OF CANADA
    Inventors: Edison U. Ortiz, Terry W. Lee, Linda Mantia
  • Publication number: 20170249622
    Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.
    Type: Application
    Filed: March 8, 2017
    Publication date: August 31, 2017
    Inventors: Edison U. ORTIZ, Terry W. Lee, Marko Pavlovic, Amold Badal-Badalian
  • Publication number: 20170161735
    Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.
    Type: Application
    Filed: January 24, 2017
    Publication date: June 8, 2017
    Applicant: ROYAL BANK OF CANADA
    Inventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA
  • Publication number: 20170017958
    Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
    Type: Application
    Filed: July 2, 2016
    Publication date: January 19, 2017
    Inventors: Stephen James SCOTT, Weigiang YIN, Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO