Independence Bancshares, Inc. Patent applications |
Patent application number | Title | Published |
20140279544 | CREATION AND USE OF MOBILE IDENTITIES - Exemplary embodiments provide methods, mediums, and systems for generating and applying an electronic identity. The electronic identity may allow an individual's electronic or online presence to be secured and verified, thereby providing increased levels of trust in the identity of the individual. The electronic identity may correlate data from multiple different sources, including social networks, career websites, online marketplaces, financial institutions, and the individual. Based on the amount of data that can be verified or correlated with other data, a trust score may be assigned to the electronic identity. The electronic identity may be used to verify an individual's identity for various purposes, such as obtaining a financial account, obtaining identification, performing transactions, and social interactions. | 09-18-2014 |
20140279542 | MOBILE CURRENCY MESSAGING SYSTEMS - Exemplary embodiments provide methods, mediums, and systems for facilitating mobile transactions. For example, a routing system and protocol is provided to allow a user of a mobile financial application, which may be provided in a closed loop network, to connect to external entities located outside of the closed loop network. In some embodiments, requests to perform transactions may be aggregated and prioritized in order to perform load balancing among the request. In further embodiments, records related to the transactions may be purged after a predetermined period of time, subject to regulatory requirements, in order to protect the privacy of the user. | 09-18-2014 |
20140279403 | METHODS AND SYSTEMS FOR EXECUTING MOBILE CURRENCY TRANSACTIONS - Exemplary embodiments provide methods, mediums, and systems for carrying out mobile transactions. An exemplary electronic currency message is provided for allowing currency messages to be passed in a secure manner between parties involved in a transaction, even when the networks used to pass the messages are insecure. The currency messages may be used by a transaction protocol that may pass the messages through middleware that allows for connections to multiple different external financial networks. The transaction protocol may create a credit cache on the user's mobile device and/or at the middleware to allow electronic currency transactions to be effected, even if the user's mobile device loses connectivity or power. | 09-18-2014 |