Credit Authorization Patents (Class 379/91.01)
  • Patent number: 10339554
    Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: July 2, 2019
    Assignee: Visa International Service Association
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Patent number: 9910900
    Abstract: A method and an apparatus for providing a search result are provided. The method can include obtaining at least one search result card, in a computer memory, according to an input search term, in which each of the at least one search result card comprises a first surface and a second surface, and a search result is recorded on the first surface and/or the second surface. The first surface of each of the at least one search result card can be displayed on a display. A request to turn a first search result card over can be determined to have been received, in which the first search result card is the search result card firstly selected from the at least one research result card. The first search result card can be visually turned over to display the second surface of the first search result card on the display.
    Type: Grant
    Filed: November 18, 2014
    Date of Patent: March 6, 2018
    Assignee: BAIDU ONLINE NETWORK TECHNOLOGY (BEIJING) CO., LTD.
    Inventor: Mengchen Shi
  • Patent number: 9674344
    Abstract: Receiving and processing customer support calls initiated from a mobile/wireless device via a call function or via a mobile device application may include various operations. For instance, an example method of operation may provide receiving a service request from a mobile device, requesting a temporary telephone number to be assigned to a subsequent call to be placed from the mobile device, creating a database record with an identifier of the mobile device and the temporary telephone number, transmitting the temporary telephone number to the mobile device, receiving an automated call to the temporary telephone number from the mobile device, and connecting the mobile device with a remote call recipient.
    Type: Grant
    Filed: December 23, 2013
    Date of Patent: June 6, 2017
    Assignee: West Corporation
    Inventors: Mahendra Varman, Craig A. Webster, Jil M. Fisher
  • Patent number: 9633352
    Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.
    Type: Grant
    Filed: September 3, 2013
    Date of Patent: April 25, 2017
    Assignee: Square, Inc.
    Inventors: William Henderson, Jack Dorsey, Brian Grassadonia, Mathew Wilson
  • Patent number: 9524501
    Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier.
    Type: Grant
    Filed: June 5, 2013
    Date of Patent: December 20, 2016
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Lance Weber
  • Patent number: 9432522
    Abstract: The present invention is directed to an improved operations method for a wireless communication system. The improved business method, operations method, network and system of the present invention includes the steps of delivering cellular services to the mass market, reducing peak capacity, increasing overall capacity utilization, improving capital utilization, providing an “all-you-can-eat” pricing model, and designing capacity based upon where the users live, work, and play.
    Type: Grant
    Filed: August 17, 2015
    Date of Patent: August 30, 2016
    Assignee: Intel Corporation
    Inventors: S. Douglas Hutcheson, Michael Brink, Scot Jarvis
  • Patent number: 9324088
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: February 25, 2013
    Date of Patent: April 26, 2016
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Patent number: 9037513
    Abstract: Systems, methods, and devices for providing and managing electronic event tickets are provided. For example, a device for managing an electronic event ticket may include a processor configured to run an electronic ticket management application, a memory device configured to store data associated with the electronic ticket management application, an electronic display configured to display at least a portion of the data associated with the electronic ticket management application, and an input/output interface configured to receive an electronic ticket and the data associated with the electronic ticket for management by the electronic ticket management application. The electronic ticket management application may be configured to enable the electronic device to gain entry to an event and to obtain at least one other event-related benefit after the electronic ticket is received by the input/output interface.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: May 19, 2015
    Assignee: Apple Inc.
    Inventors: Michael Rosenblatt, Andrew Hodge
  • Patent number: 9001982
    Abstract: Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.
    Type: Grant
    Filed: March 3, 2014
    Date of Patent: April 7, 2015
    Assignee: Inventor Holdings, LLC
    Inventors: Jay S. Walker, Daniel E. Tedesco, Andrew S. Van Luchene, James A. Jorasch
  • Patent number: 8874109
    Abstract: A method and system automatically activates a mobile station in a wireless communications network. The system includes an over the air activation function (OTAF) processor in the network that initiates an activation process in response to receiving a registration message from a mobile switching center serving the mobile station requesting the activation. Each mobile station has a unit of information stored into it at the time of its manufacture to enable it to request over the air activation. That unit of information is either the network routing address of the OTAF processor, or alternately, it is a value that is translatable into that address, either an OTAF ID number that is the same value for every mobile station or it is a sequentially serialized dummy value for the mobile identification number (a dummy MIN).
    Type: Grant
    Filed: August 19, 2013
    Date of Patent: October 28, 2014
    Assignee: AT&T Mobility II LLC
    Inventors: Arun K. Chatterjee, Brian Kevin Daly, David William James Holmes, Ileana A. Leuca
  • Patent number: 8848691
    Abstract: A framework of a common mobility management protocol for Q.5/16 includes a high level protocol for performing the functions of address resolution, routing, location update and authentication. The common mobility management protocol can be used by existing and future multimedia applications (MA's) to support mobility management for messaging among mobility management authentication function (AuF), home location function (HLF) and visitor location function (VLF) databases/servers, and the corresponding multimedia application functional entities (MAFEs) of the multimedia applications (MA's). The common mobility management protocol may replace, act in concert with or in sequence with existent interworking protocols for the various multimedia applications. Reference point architectures, functional characteristics, features, and capabilities of the protocol are described including call flows and message syntax. The disclosure presents the scope of Q.5/16 and how H.MMS.1 (H.323 Mobility), H.MMS.
    Type: Grant
    Filed: May 29, 2009
    Date of Patent: September 30, 2014
    Assignee: AT&T Intellectual Property II, L.P.
    Inventor: Radhika R. Roy
  • Patent number: 8799171
    Abstract: A secure online banking transaction apparatus to communicate with a server over a non-secure connection is provided and includes a selector configured to allow for a selection of a mode of the apparatus, a processing unit coupled to the selector and including a secure communication unit, which is configured to set up a secure connection, along which a secure transaction occurs, with the server via the non-secure connection in accordance with the mode, an input unit coupled to the processing unit and configured to allow for a input of data into the apparatus, which is at least partly related to the secure transaction, and an interface coupled to the processing unit and configured to convey at least a status of the secure transaction and the contents off the inputted data.
    Type: Grant
    Filed: April 1, 2008
    Date of Patent: August 5, 2014
    Assignee: International Business Machines Corporation
    Inventors: Michael Baentsch, Peter Buhler, Thomas Eirich, Frank Hoering, Thorsten Kramp, Thomas Weigold
  • Patent number: 8781973
    Abstract: In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer interface computer and encrypted. The encrypted data is transmitted wirelessly to a portal computer via a private wireless network, and then transmitted to a processing computer system for approval of the application.
    Type: Grant
    Filed: September 24, 2004
    Date of Patent: July 15, 2014
    Assignee: Bank of America Corporation
    Inventors: Bellverie E. Ross, II, Dean F. Eastburn, Daniel C. Devoll, Kelly C. Laird, David T. Gulian, Theresa C. Hendrickson
  • Patent number: 8761359
    Abstract: A content distribution system is described. The content distribution system includes a show account database and a plurality of credit cards stored in the show account database. The content distribution system also has a linking module associating a viewer entering the call-in number with a credit card number in the show account database. The system has a charge module that charges a credit card account corresponding to the credit card number associated with a viewer entering the call-in number. The system also has an interactive recognition system that provides a qualifying question for the viewer to answer before a call of the viewer is connected to a studio.
    Type: Grant
    Filed: October 11, 2010
    Date of Patent: June 24, 2014
    Assignee: HSN Interactive LLC
    Inventors: John Xavier Watson, Jay Herratti
  • Patent number: 8666041
    Abstract: Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.
    Type: Grant
    Filed: June 25, 2012
    Date of Patent: March 4, 2014
    Assignee: Inventor Holdings, LLC
    Inventors: Jay S. Walker, Daniel E. Tedesco, Andrew S. Van Luchene, James A. Jorasch
  • Patent number: 8620825
    Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.
    Type: Grant
    Filed: August 28, 2012
    Date of Patent: December 31, 2013
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan R. Barth, Felicia Tavares
  • Patent number: 8606696
    Abstract: A method includes: receiving a request corresponding to a prospective customer for at least one of a new service contract and sale of a product, the request including purchaser data specific to the purchaser, and new transaction data; determining historic data for a plurality of past transactions based at least in part on the purchaser data and one or more characteristics of the at least one of the new service contract and sale of the new product, the historic data for each past transaction including respective purchaser data, respective transaction data, and respective outcome data; determining historic risk data related to the plurality of past transactions; determining a risk prediction of the request based at least in part upon the historic risk data; and determining an authorization decision based at least in part upon the risk prediction, wherein the authorization decision comprises an approval or a denial of the request.
    Type: Grant
    Filed: September 11, 2012
    Date of Patent: December 10, 2013
    Assignee: Simplexity, Inc.
    Inventor: Paul Halpern
  • Patent number: 8606604
    Abstract: Embodiments of systems and methods for enabling communication between vendors and individuals qualified to offer financial products, insurance products, warranty products, and/or other products and services related to vehicles and vehicle sales are provided. In one embodiment, a salesperson at a remote location interacts with the vendor's customer using data, video, and/or audio transmissions over a network. In one embodiment, the remote salesperson may possess relevant expertise or training, which the salesperson uses to process the transaction. In one embodiment, the remote salesperson completes the transaction using a system that manages the transaction and communication.
    Type: Grant
    Filed: June 12, 2008
    Date of Patent: December 10, 2013
    Inventors: David L. Huber, Frederick J. Morgan
  • Patent number: 8600889
    Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: December 3, 2013
    Assignee: Transaction Holdings Ltd. LLC
    Inventor: David M. Barcelou
  • Publication number: 20130272512
    Abstract: A registrant provides at least one registrant electronic contact, such as a telephone number, during a registration process. The registrant's information may be compared to a database of such information. The registrant is verified by establishing a connection with the registrant via the registrant contact. The verification code is communicated to the registrant, which is input into an on-line form. Notification events are established, and the registrant is notified of the occurrence of a previously established notification event by establishing a connection with the registrant via the registrant contact.
    Type: Application
    Filed: June 11, 2013
    Publication date: October 17, 2013
    Inventors: Shlomo Gonen, Jonathan A. Gonen, Alon Gonen, Danny Rosen
  • Patent number: 8560451
    Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 15, 2013
    Inventor: David M. Barcelou
  • Patent number: 8554677
    Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: October 8, 2013
    Inventor: David M. Barcelou
  • Patent number: 8543507
    Abstract: An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.
    Type: Grant
    Filed: October 31, 2007
    Date of Patent: September 24, 2013
    Inventor: David M. Barcelou
  • Patent number: 8494037
    Abstract: A Complex Adaptive Phase Discriminator (PD), as presented in some concepts of the present disclosure, is an adaptive filter that accurately estimates the instantaneous frequency of a dynamic complex signal. The PD can demonstrate accurate instantaneous frequency estimation and rapid convergence in dynamic complex signal environments, even when the frequency of its input may change rapidly. A direct PD architecture can estimate the instantaneous frequency of a complex primary signal, iteratively adapting a phase of a complex exponential by minimizing the mean squared error of a complex error signal. Instantaneous frequency can be directly estimated from the phase of the complex exponential. In contrast, an indirect PD architecture can estimate the instantaneous frequency of a complex primary signal, iteratively adapting a complex coefficient by minimizing the mean squared error of a complex error signal. Instantaneous frequency can be indirectly estimated by extracting the phase of the complex coefficient.
    Type: Grant
    Filed: December 6, 2010
    Date of Patent: July 23, 2013
    Assignee: Schneider Electric USA, Inc.
    Inventors: Larry A. Turner, Zhi Gao
  • Patent number: 8429086
    Abstract: A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second transaction device. The transaction processing center includes a receiver that receives respective identification and location from at least one of the first and second transaction devices. The transaction processing center also includes a transaction processor that validates the identifications, validates the locations, and executes a transaction between the first and second transaction devices when the identifications and locations are validated.
    Type: Grant
    Filed: January 20, 2011
    Date of Patent: April 23, 2013
    Assignee: CSR Technology Inc.
    Inventors: Daniel Babitch, Lionel Garin
  • Patent number: 8407148
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: October 19, 2011
    Date of Patent: March 26, 2013
    Assignee: Visa U.S.A. Inc.
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Patent number: 8370262
    Abstract: The system and method performing secure online-transactions based on challenge/response procedures executed by a terminal of at least one customer and by a terminal of a service provider, such as a bank, which terminals are connected to a network, preferably the Internet.
    Type: Grant
    Filed: November 17, 2008
    Date of Patent: February 5, 2013
    Assignee: Biometry.Com AG
    Inventor: Werner Blessing
  • Patent number: 8359274
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: June 2, 2011
    Date of Patent: January 22, 2013
    Assignee: Visa International Service Association
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Patent number: 8315372
    Abstract: In accordance with a first aspect of the invention there is a unified call center system for multiple service providers comprising at least one server; and at least one database in communication with the at least one server. A service provider executes software stored on the at least one server to register an account, the registration process requiring the service provider to enter a predetermined set of information, including at least one identifier for an electronic voice communication device, an additional identifier for an electronic communication device (voice or text) and a personal identifier. After entry of the predetermined set of information, the software generates a unique identifier for the account and communicates the unique identifier and a return destination address for activating the account. The service provider then operates to activate the account by communicating their personal identifier to the return destination address using the electronic communication device.
    Type: Grant
    Filed: June 29, 2007
    Date of Patent: November 20, 2012
    Assignee: VOXP Pte. Ltd.
    Inventor: Dennis Mendiola
  • Patent number: 8301140
    Abstract: A method and system automatically activates a mobile station in a wireless communications network. The system includes an over the air activation function (OTAF) processor in the network that initiates an activation process in response to receiving a registration message from a mobile switching center serving the mobile station requesting the activation. Each mobile station has a unit of information stored into it at the time of its manufacture to enable it to request over the air activation. That unit of information is either the network routing address of the OTAF processor, or alternately, it is a value that is translatable into that address, either an OTAF ID number that is the same value for every mobile station or it is a sequentially serialized dummy value for the mobile identification number (a dummy MIN). When the mobile station is turned on for the first time in the network, it requests activation over the air by transmitting to the local mobile switching center a registration order.
    Type: Grant
    Filed: January 30, 2009
    Date of Patent: October 30, 2012
    Assignee: AT&T Mobility II LLC
    Inventors: Arun K. Chatterjee, Brian Kevin Daly, David William James Holmes, Ileana A. Leuca
  • Publication number: 20120264405
    Abstract: Aspects of the present invention provide a solution for verifying the integrity of a transaction. In response to receipt of a confirmed electronic transaction from a user, a one time password is forwarded to the user. The user then initiates a telephonic communication with a verifier on the user's wireless device and provides the one time password to the verifier. The verifier authenticates the mobile telephonic device based on the device's caller identification number and determines whether the one time password provided by the user matches the one forwarded to the user. After the user is authenticated, the verifier communicates the details of the transaction that were received and the user confirms whether the details match those originally entered.
    Type: Application
    Filed: April 12, 2011
    Publication date: October 18, 2012
    Applicant: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Jose F. Bravo, Jeffery L. Crume
  • Patent number: 8275714
    Abstract: A method for performing a digital monetary transaction between a payer and payee comprising the steps of receiving a digital-cash value requested to be withdrawn from an account of a payer; generating a digital-cash code that is associated with the requested digital-cash value and communicating the digital-cash code to the payer; receiving the digital-cash value and the digital-cash code from a payee requesting to deposit the amount specified by the digital-cash value; comparing the received digital-cash value and the digital-cash code to confirm an association; and transferring funds of the amount specified by the digital-cash value to the payee. A system including a central digital-cash system and a network interface preferably can preferably operate the method.
    Type: Grant
    Filed: October 5, 2009
    Date of Patent: September 25, 2012
    Inventor: Rafael A. Eugenio
  • Patent number: 8255335
    Abstract: Disclosed are systems and methods for establishing a personal identification number (PIN). The systems and methods provide techniques to begin a remote session with a customer, prompt the customer to select a PIN to associate with a financial account card during the remote session, and receive the PIN from the customer during the remote session.
    Type: Grant
    Filed: April 11, 2007
    Date of Patent: August 28, 2012
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ryan Ray Barth, Felicia Tavares
  • Patent number: 8208608
    Abstract: A multi-modal system providing for a single point of contact that can allow users to manage their personal contact information and contact lists, and connect to other users and businesses in a personalized, efficient, location-sensitive and organized manner. By accessing the system using any type of telephony-based device, a user can manage all of their personal and business contacts as well as perform generalized searches in public databases, such as white page and/or yellow page listings, or more personalized searches through databases of their business or personal contacts. A user may also, during a generalized search, go to a personalized search, and vice-versa. The system may also provide users with the opportunity to select certain businesses from their contact lists and allow these businesses to provide them with personalized data, either on demand or based on user-controlled permissions or areas of interest through various technologies including presence technologies.
    Type: Grant
    Filed: February 4, 2009
    Date of Patent: June 26, 2012
    Assignee: Call Genie Inc.
    Inventors: Todd Garrett Simpson, Christopher Edward Lugg
  • Publication number: 20110286588
    Abstract: Provided are a method for providing a personalized internet phone, and a terminal using the same.
    Type: Application
    Filed: January 21, 2010
    Publication date: November 24, 2011
    Inventor: Sung Wan Kim
  • Patent number: 7978831
    Abstract: Methods and apparatus are provided for defending against telephone-based robotic attacks. An interactive voice response method is disclosed, comprising the steps of obtaining a script to present to a caller, the script including at least one menu option having at least one personal code; generating a random number for the personal code; and presenting the at least one menu option with the generated random number to the caller. The step of generating a random number for the personal code is optionally responsive to receipt of the call. The method is optionally performed only if one or more predefined criteria defining an attack are satisfied. The disclosed IVR system can optionally monitor the caller response to determine whether the caller enters the generated random number.
    Type: Grant
    Filed: June 29, 2007
    Date of Patent: July 12, 2011
    Assignee: Avaya Inc.
    Inventors: Henry Baird, Jon Bentley, Daniel Lopresti, Sui-Yu Wang
  • Patent number: 7920683
    Abstract: A testing device and a method for verifying the charge invoicing for a communications device according to time unit intervals is provided. A testing device, which can simulate at least one calling analog terminal and at least one called terminal, is connected to a network node that generates time pulses. At least one predetermined test communications connection is set up and terminated over at least the one network node. Further, the time interval between the beginning of the test communications connection and the generation of a first time pulse is determined and verified to ascertain whether the determined time interval is located within a first predetermined time domain. During the existing test communications connection, time unit intervals of successive time pulses are measured and compared with a predetermined time interval. A further method involving receipt of additional time pulse(s) after the termination of the test communications connection is also provided.
    Type: Grant
    Filed: July 17, 2003
    Date of Patent: April 5, 2011
    Assignee: Deutsche Telekom AG
    Inventors: Monika Schmidt, Ernst Schneider
  • Patent number: 7870027
    Abstract: A credit facility for controlling financial transactions is arranged with the ability of users to establish self-imposed limits on a category by category basis. The processing system provides messages and other information to the user, both on-demand and at the point of sale, based upon the category of the transaction and the limit set for that category. In one embodiment, both the user and, if desired, third parties, can obtain or be notified, of account balances on a category by category basis. Also, the main user can assign category limits, or prohibitions, on subusers of the same account. In one embodiment, information pertaining to a specific transaction is communicated to a third party.
    Type: Grant
    Filed: December 5, 2006
    Date of Patent: January 11, 2011
    Inventor: Mary C. Tannenbaum
  • Patent number: 7831520
    Abstract: A method and system to conduct financial transactions over a communication network is provided. Data associated with a mobile communication device user is received and stored, and a user mobile airtime account is allocated to the user. A purchase request is received from the user via a mobile communication device, the purchase request being for a purchase from a merchant for a purchase amount. The communication network provides the user access to the network to make the purchase request without debiting a financial account of the user or the user mobile airtime account for the access to the communication network. A payment service provider now automatically debits the financial account of the user with the purchase amount, automatically allocates a service fee which is associated with the purchase amount to the mobile service provider and credits an account of the mobile service provider with the service fee.
    Type: Grant
    Filed: June 28, 2005
    Date of Patent: November 9, 2010
    Assignee: eBay Inc.
    Inventor: Matthew Mengerink
  • Patent number: 7817788
    Abstract: A content distribution system is described. The content distribution system includes a show account database and a plurality of credit cards stored in the show account database. The content distribution system also has a linking module associating a viewer entering the call-in number with a credit card number in the show account database. The system has a charge module that charges a credit card account corresponding to the credit card number associated with a viewer entering the call-in number. The system also has an interactive recognition system that provides a qualifying question for the viewer to answer before a call of the viewer is connected to a studio.
    Type: Grant
    Filed: December 13, 2005
    Date of Patent: October 19, 2010
    Assignee: HSN Interactive LLC
    Inventors: John Xavier Watson, Jay Herratti
  • Patent number: 7752049
    Abstract: Disclosed is a digital audio device that includes a communications port to communicatively connect the device to a server. The device also includes a unique identifier to identify the device. The device also includes a controller to allow transfer of digital audio files from the server. The digital audio files contain interleaved data selected by the server based on the unique identifier. The device also includes a decoder to decode the interleaved data and a data store to store at least one of the digital audio files and the interleaved data.
    Type: Grant
    Filed: October 12, 2006
    Date of Patent: July 6, 2010
    Assignee: Sigmatel, Inc.
    Inventor: Clayton Neil Cowgill
  • Publication number: 20100088231
    Abstract: A method for performing a digital monetary transaction between a payer and payee comprising the steps of receiving a digital-cash value requested to be withdrawn from an account of a payer; generating a digital-cash code that is associated with the requested digital-cash value and communicating the digital-cash code to the payer; receiving the digital-cash value and the digital-cash code from a payee requesting to deposit the amount specified by the digital-cash value; comparing the received digital-cash value and the digital-cash code to confirm an association; and transferring funds of the amount specified by the digital-cash value to the payee. A system including a central digital-cash system and a network interface preferably can preferably operate the method.
    Type: Application
    Filed: October 5, 2009
    Publication date: April 8, 2010
    Inventor: Rafael A. Eugenio
  • Publication number: 20100030689
    Abstract: The invention teaches the verifying a financial transaction by requiring an account holder to verify the transaction when the transaction is tagged for verification. It is emphasized that this abstract is provided to comply with the rules requiring an abstract that will allow a searcher or other reader to quickly ascertain the subject matter of the technical disclosure. It is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. 37 CFR 1.72(b).
    Type: Application
    Filed: July 16, 2009
    Publication date: February 4, 2010
    Inventors: Asael Ramos, Key Ramos
  • Patent number: 7617124
    Abstract: A download processor for secure downloading of a digital product file when ordered by a user. The order includes a file identifier related to the file and an order identifier related to the order. The download processor performs security checks related to the file, the order, and the user. The file identifier and order identifier are verified based upon information related to the file and the order, and information related to the user is also verified. Based upon the verifications, the download processor selectively permits or denies download of the file to a user machine.
    Type: Grant
    Filed: January 27, 2000
    Date of Patent: November 10, 2009
    Assignee: Digital River, Inc.
    Inventors: Joel A. Ronning, Kelly J. Wical
  • Patent number: 7447494
    Abstract: The invention relates to a secure wireless authorization system by which a user can employ a wireless device to authorize a request that is initiated by a remote third party and transmitted to the user by an authorization server. The system includes the authorization server that is linked to the third party by way of a communications connection and a wireless device that is adapted to securely store an encryption scheme and create a secure authorization from the user in response to the third party request and has the ability to establish a secure wireless connection over which the secure authorization is transmitted from the user's wireless device to the authorization server. Pre-authorization, real-time authorization and post-authorization methods are disclosed by which user authorized transactions can be completed by way of the authorization system of this invention.
    Type: Grant
    Filed: February 7, 2005
    Date of Patent: November 4, 2008
    Assignee: Xtreme Mobility, Inc.
    Inventors: Simon Law, Pasan Hapuarachchi, Daniel Man Tse, Jimmy Law
  • Patent number: 7353210
    Abstract: Electronic means of payment require specific procedures concerning the use thereof as well as set security features. Disclosed is a means of payment allowing the user to add individual security features, comprising the use of specific devices that are available to the user, the purchasing procedure, and additional general conditions pertaining to purchasing goods and services. The electronic means of payment can combine existing payment systems by making the payment systems selectable and allowing individual security features to be adjusted. The popular credit card can become far more secure when purchasing goods and services by combining the credit card with devices providing increased security, for a mobile phone, and adequate general conditions. The user of the means of payment can make payments in an individual manner according to the individual merchandise or service that he/she would like to purchase.
    Type: Grant
    Filed: December 9, 2004
    Date of Patent: April 1, 2008
    Inventors: Ralf Hochwimmer, Heiko Plöhn, Volker Rudolph, Karsten Schulze
  • Patent number: 7231045
    Abstract: A modem and secure communications method for the modem is disclosed in which the modem is capable of storing identifying indicia unique to the modem. The identifying indicia may include graphics data such as an image of a credit card, a signature, and/or an account holder to assist in user authentication. Software stored in the modem enables transmission of the identifying indicia to a communication line. Additional embodiments and variations are also disclosed.
    Type: Grant
    Filed: August 30, 1999
    Date of Patent: June 12, 2007
    Assignee: Intel Corporation
    Inventor: William M. Parrott
  • Patent number: 7221930
    Abstract: The present invention is to provide a cellular phone capable of detecting counterfeit currency or lighting comprising a counterfeit currency detection bulb, a lamp and a keypad, wherein the keypad includes a first dual key in association with the counterfeit currency detection bulb, a second dual key in association with the lamp and a plurality of third keys, such that in response to pressing the first dual key or the second dual key, the cellular phone activates the counterfeit currency detection bulb for detecting counterfeit currency or activates the lamp for lighting respectively.
    Type: Grant
    Filed: June 23, 2004
    Date of Patent: May 22, 2007
    Assignee: Inventec Appliances Corp.
    Inventors: Tony Tsai, David Ho, Ling Zhang
  • Patent number: 7162015
    Abstract: Disclosed is a method and apparatus for obtaining information from a remote database via a telephone network using an automated interactive system. Such information may include, for example, credit history information, address/telephone number information, and book availability information. The system includes a an automated call handler for receiving calls from the telephone, for receiving a request for information, for accessing the requested information, and for providing the requested information in accordance with the request, an audio controller providing outgoing audio messages from the call handler to the telephone, and a gateway coupled to the call handler and having a searchable database that may be accessed by the call handler. A user calls into the system and interactively with the system enters information via the telephone keypad using plurality of two-character responses.
    Type: Grant
    Filed: December 14, 2000
    Date of Patent: January 9, 2007
    Inventor: Kanu Patel
  • Patent number: RE45974
    Abstract: An integrated power combiner is disclosed. The power combiner includes a first circular geometry primary winding having one or more inductive elements, such as an active winding with one or more driver stages. A circular geometry secondary winding is disposed adjacent to the first primary winding, such as an active winding with one or more driver stages. A second circular geometry primary winding is disposed adjacent to the secondary winding and has one or more inductive elements. One or more connections are provided between one or more of the inductive elements of the first circular geometry primary winding and one or more of the inductive elements of the second circular geometry primary winding.
    Type: Grant
    Filed: November 12, 2013
    Date of Patent: April 12, 2016
    Assignee: AXIOM MICRODEVICES, INC.
    Inventors: Scott D. Kee, Ichiro Aoki, Hui Wu, Seyed-Ali Hajimiri, Frank Carr, Rahul Magoon, Alexander Kral, Afshin Mellati, Florian Bohn, Donald McClymont