Patents by Inventor Timothy A. STIER

Timothy A. STIER 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).

  • Patent number: 10748151
    Abstract: The system to improve protection of financial cards during and prior to use includes a financial company server, a financial card assigned to a customer and the customer's mobile electronic devices. The company server has a software program that handles account monetary requests that come through financial networks. The server communicates with the owner/customer of the card via the mobile electronic devices. An application is supplied by the financial company for the card holder's devices. When a transaction is attempted, the system determines the distance between the attempted card transaction and the card holder's device. Based on the calculated distance compared to a stored limit, a suggestion to deny or accept the transaction is displayed on the device, as well as virtual accept and deny buttons. A map of the transaction and the device may be displayed, to assist the customer in their decision to accept or deny the transaction.
    Type: Grant
    Filed: July 6, 2018
    Date of Patent: August 18, 2020
    Assignee: TWA SYSTEMS LLC
    Inventors: Wayne L. Thornton, Timothy A. Stier, Alexander R. Lopez
  • Publication number: 20200013058
    Abstract: The system to improve protection of financial cards during and prior to use includes a financial company server, a financial card assigned to a customer and the customer's mobile electronic devices. The company server has a software program that handles account monetary requests that come through financial networks. The server communicates with the owner/customer of the card via the mobile electronic devices. An application is supplied by the financial company for the card holder's devices. When a transaction is attempted, the system determines the distance between the attempted card transaction and the card holder's device. Based on the calculated distance compared to a stored limit, a suggestion to deny or accept the transaction is displayed on the device, as well as virtual accept and deny buttons. A map of the transaction and the device may be displayed, to assist the customer in their decision to accept or deny the transaction.
    Type: Application
    Filed: July 6, 2018
    Publication date: January 9, 2020
    Inventors: Wayne L. THORNTON, Timothy A. STIER, Alexander R. LOPEZ