Patents by Inventor Warren T. Dent
Warren T. Dent 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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Patent number: 7827102Abstract: A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient.Type: GrantFiled: December 29, 2000Date of Patent: November 2, 2010Assignee: Microsoft CorporationInventors: Bassam A. Saliba, Kyle S. Young, Michael L. Waterston, Warren T. Dent
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Patent number: 7636689Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.Type: GrantFiled: November 15, 2004Date of Patent: December 22, 2009Assignee: Microsoft CorporationInventors: Warren T. Dent, Judy Kaethler, Darren B. Remington, Bassam A. Saliba
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Patent number: 7610245Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.Type: GrantFiled: November 15, 2004Date of Patent: October 27, 2009Assignee: Microsoft CorporationInventors: Warren T. Dent, Judy Kaethler, Darren B. Remington, Bassam A. Saliba
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Patent number: 7516101Abstract: A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill.Type: GrantFiled: November 5, 2004Date of Patent: April 7, 2009Assignee: Microsoft CorporationInventors: Darren B. Remington, Warren T. Dent
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Patent number: 7478066Abstract: A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill. The bill can then be automatically or manually adjusted to reflect any disputed amounts.Type: GrantFiled: November 5, 2004Date of Patent: January 13, 2009Assignee: Microsoft CorporationInventors: Darren B. Remington, Warren T. Dent
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Patent number: 7475039Abstract: A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill.Type: GrantFiled: October 29, 2004Date of Patent: January 6, 2009Assignee: Microsoft CorporationInventors: Darren B. Remington, Warren T. Dent
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Patent number: 6968319Abstract: A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill. The bill can then be automatically or manually adjusted to reflect any disputed amounts.Type: GrantFiled: December 10, 1999Date of Patent: November 22, 2005Assignee: Microsoft CorporationInventors: Darren B. Remington, Warren T. Dent
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Patent number: 6839687Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.Type: GrantFiled: December 13, 1999Date of Patent: January 4, 2005Assignee: Microsoft CorporationInventors: Warren T. Dent, Judy Kaethler, Darren B. Remington, Bassam Saliba
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Publication number: 20020026396Abstract: A data network comprising a plurality of computing devices and an innovative data server. The computing devices facilitate access to the network by a plurality of participants. The data server, coupled to the data network and responsive to the plurality of computing devices, includes a memory device to store at least one financial account for each of the plurality of participants, and an innovative financial transaction manager incorporating the teachings of the present invention. The financial transaction manager is selectively invoked by participants to manage access to and manipulation of financial account assets to effect requested financial transactions with any network participant or non-participant.Type: ApplicationFiled: December 29, 2000Publication date: February 28, 2002Inventors: Warren T. Dent, Bassam Saliba, Kyle S. Young, Michael Waterston
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Publication number: 20010037315Abstract: A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient.Type: ApplicationFiled: December 29, 2000Publication date: November 1, 2001Inventors: Bassam A. Saliba, Kyle S. Young, Michael L. Waterstone, Warren T. Dent
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Patent number: 6128603Abstract: A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest.Type: GrantFiled: September 9, 1997Date of Patent: October 3, 2000Inventors: Warren T. Dent, Judy Kaethler, Darren B. Remington, Bassam Saliba
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Patent number: 6070150Abstract: A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill. The bill can then be automatically or manually adjusted to reflect any disputed amounts.Type: GrantFiled: October 18, 1996Date of Patent: May 30, 2000Assignee: Microsoft CorporationInventors: Darren B. Remington, Warren T. Dent