Patents by Inventor Timothy L. Robinson

Timothy L. Robinson 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: 20190095883
    Abstract: A method is provided. The method includes one or more of receiving an application for a card account from a consumer, authorizing the transfer of funds from a primary account to a secondary account, determining an available spending limit for the card account based on total accrued fractional earnings, approving one or more purchase transactions for the card account not greater than the available spending limit, and adjusting the available spending limit based on total accrued fractional earnings, a purchase balance, and the secondary account balance. The primary account stores earnings for the consumer and the secondary account includes a secondary account balance for storing funds to pay a card account statement balance. The primary and secondary accounts include one of separate accounts or a common account. Total accrued fractional earnings include a sum of fractional earnings and fractional earnings include a predetermined fraction of consumer earnings.
    Type: Application
    Filed: February 1, 2018
    Publication date: March 28, 2019
    Applicant: Earned LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt
  • Patent number: 10089628
    Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.
    Type: Grant
    Filed: June 28, 2016
    Date of Patent: October 2, 2018
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Mark B. Robinson
  • Patent number: 10068234
    Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.
    Type: Grant
    Filed: March 22, 2016
    Date of Patent: September 4, 2018
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Publication number: 20180225648
    Abstract: A method is provided. The method includes one or more of receiving, from a merchant device, information about a purchase transaction by a consumer, calculating, by a credit server, a plurality of payment times comprising an immediate payment time and a later payment time, transmitting, to a client device, the plurality of payment times, selecting a payment time of the plurality of payment times, receiving, by the credit server, the selected payment time, scheduling, by the credit server, processing of the purchase transaction at the selected payment time, and processing the purchase transaction at the selected payment time.
    Type: Application
    Filed: December 22, 2017
    Publication date: August 9, 2018
    Applicant: Earned LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt
  • Patent number: 9864992
    Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.
    Type: Grant
    Filed: November 16, 2016
    Date of Patent: January 9, 2018
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin
  • Patent number: 9544309
    Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.
    Type: Grant
    Filed: April 21, 2015
    Date of Patent: January 10, 2017
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin
  • Patent number: 9406067
    Abstract: A system and method of identity verification at a point-of-identification verification (POV) using biometric-based identity recognition and an identity verifying score based upon a presenter's initial identification presentment and their subsequent action in the system. The system also provides tracking and evaluates verifier activity within the system through biometric-based identity recognition and a performance score based upon their actions and the results of their actions within the system. System users register at least one biometric identifier and personal and/or business identity-verifying data. Users present a biometric sample obtained from their person and their system ID number to conduct identification transactions. This data is used to authenticate the user's identity to a percentage of reliability and allows a user with consistently positive ID verifications to establish a higher ID score, strengthening their credibility within the system.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: August 2, 2016
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Patent number: 9378351
    Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.
    Type: Grant
    Filed: November 16, 2014
    Date of Patent: June 28, 2016
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Mark B. Robinson
  • Patent number: 9292851
    Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: March 22, 2016
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Patent number: 9189788
    Abstract: A system and method of identity verification at a point-of-identification verification (POV) using biometric-based identity recognition and an identity verifying score based upon a presenter's initial identification presentment and their subsequent action in the system. The system also provides tracking and evaluates verifier activity within the system through biometric-based identity recognition and a performance score based upon their actions and the results of their actions within the system. System users register at least one biometric identifier and personal and/or business identity-verifying data. Users present a biometric sample obtained from their person and their system ID number to conduct identification transactions. This data is used to authenticate the user's identity to a percentage of reliability and allows a user with consistently positive ID verifications to establish a higher ID score, strengthening their credibility within the system.
    Type: Grant
    Filed: December 16, 2005
    Date of Patent: November 17, 2015
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Patent number: 9152964
    Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.
    Type: Grant
    Filed: July 6, 2011
    Date of Patent: October 6, 2015
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Patent number: 9037866
    Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.
    Type: Grant
    Filed: November 18, 2013
    Date of Patent: May 19, 2015
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin
  • Patent number: 8892899
    Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.
    Type: Grant
    Filed: December 7, 2012
    Date of Patent: November 18, 2014
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Gott, Mark B. Robinson
  • Patent number: 8595800
    Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.
    Type: Grant
    Filed: June 11, 2012
    Date of Patent: November 26, 2013
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin
  • Patent number: 8370218
    Abstract: A system and method of offering a redemption account that allows users to purchase in advance and subsequently redeem products and services from one or more vendors that are affiliated with the system. The present invention imparts a process by which users enrolled in a biometric authorization system can access a redemption account for advance purchased products and services by submitting their biometric data. Information stored in the user record can then be utilized to enable the fulfillment of the advance purchase.
    Type: Grant
    Filed: December 16, 2008
    Date of Patent: February 5, 2013
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Patent number: 8341421
    Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.
    Type: Grant
    Filed: October 11, 2010
    Date of Patent: December 25, 2012
    Assignee: Open Invention Network LLP
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Gott, Mark B. Robinson
  • Patent number: 8200980
    Abstract: A system and method for enrolling in a biometric authorization system. A system user may be authorized to enroll by providing biometric data from both his person and a third party token.
    Type: Grant
    Filed: June 7, 2004
    Date of Patent: June 12, 2012
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin
  • Patent number: 8015118
    Abstract: A system and method of obtaining and storing a signed agreement authorizing the use of a user's biometric data for the purpose of offering legal consent to agreements and transactions with one or more operators. The present invention imparts a process by which merchants and other service providers can access a verifying agreement indicating a user's intent to submit biometric data as a substitute for a written signature and the user's consent to abide by the terms and conditions of any agreements entered into by the submission of biometric data.
    Type: Grant
    Filed: May 6, 2005
    Date of Patent: September 6, 2011
    Assignee: Open Invention Network, LLC
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Daniel J. Corwin, Timothy Neil Watson
  • Patent number: 7997477
    Abstract: A system and method for a biometric-based identity verification for authorizing a check cashing transaction between a consumer and a merchant using a biometric identification device and at least one consumer biometric identifier scan. Said consumer registers with said system at least one biometric identifier and personal identity-verifying data both used to authenticate the identity of the consumer without the use of a man-made identity token during a check cashing transaction. During said transaction, said consumer enters at least one digital scan of at least one of their registered biometrics and said system authenticates said consumer's identity through comparing said digital scan with at least one digital scan stored in at least one system database. Upon positive identification of said consumer, said transaction is approved.
    Type: Grant
    Filed: April 10, 2008
    Date of Patent: August 16, 2011
    Assignee: Phoenix Check Cashing, Inc.
    Inventor: Timothy L. Robinson
  • Patent number: 7836485
    Abstract: The present invention is a system and method of enrolling potential system users for a biometric system for identity verification. Potential system user information is entered into the system, either by the user or a system operator, and is stored as a partially-enabled user record. The user of a partially-enabled user record fully enables the record by presenting information previously stored in the user record and presenting the remainder of user information necessary to complete record activation. Enrollment data is used to authenticate the system user's identity and authorize related transaction accesses in a biometric system for identity verification.
    Type: Grant
    Filed: April 28, 2008
    Date of Patent: November 16, 2010
    Inventors: Timothy L. Robinson, Bradford R. Schildt, Tennille V. Goff, Mark B. Robinson