Donlan
Alison Jane Donlan, Hanover, MA US
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20140182094 | LOCK MOUNTING ASSEMBLIES FOR TRANSPORTATION DEVICES - Lock mounting assemblies are disclosed for storing and mounting a locking apparatus to a transportation device. The mounting assemblies include one or more straps or connectors for securing the mounting assembly to the transportation device. The mounting assemblies having a structure to securely retain the locking apparatus on the transportation device and provide easy access to and release of the locking apparatus from the mounting assembly. | 07-03-2014 |
Andrew J. Donlan, Ontario CA
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20120261481 | Self-Adjusting Thermostat for Floor Warming Control Systems and Other Applications - A method of controlling the temperature of an environment, including the steps of providing a thermostat and receiving a signal from an occupancy sensor indicating whether an area has been occupied for each discrete time period of a 24 hour time period, assigning a first point value to each discrete time period where occupancy has been sensed, and repeating the steps for the next two 24 hour periods, and averaging the point values for each discrete time period in the first, second, and third 24 hour periods, to obtain an average point value, and sending a first signal to a heating device adapted for heating a second area to provide a temperature-related setting for a given discrete time period when the average point value for that discrete time period is above a threshold point value. | 10-18-2012 |
Andrew Michael Donlan, Penarth GB
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20100184883 | Extenders For Organosiloxane Compositions - An organopolysiloxane composition capable of cure to an elastomeric body, the composition Comprising an organopolysiloxane containing polymer having not less than two reactable silicon-bonded groups selected from alkenyl group, condensable groups, silyl-hydride groups and/or one or more trialkylsilyl containing terminal groups, optionally a siloxane and/or silane cross-linker having at least two groups per molecule which are reactable with the reactable groups in (a); 5 to 50% by weight of the composition of at least one compatible natural oil and/or natural oil derivative based extender and/or plasticiser; a suitable cure catalyst and optionally one or more fillers. The compositions are particularly useful as sealants. | 07-22-2010 |
Brian Donlan, Edgewater, NJ US
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20140070919 | User Identification and Location Determination in Control Applications - A system in which a portable electronic device communicates with an external device to determine a location. Upon determining its location, the portable electronic device transmits this information as well as identifying information to a control processor. The control processor controls one or more controllable devices according to the location and identifying information. The portable electronic device may determine the location via NFC tag or via one or more RF beacons transmitting information according to the Bluetooth 4.0 protocol. | 03-13-2014 |
20140074537 | Initiating Schedule Management Via Near Field Communication - A portable electronic device communicates with an NFC tag and a scheduling server to manage the schedule of a conference room. The portable electronic device receives an address and an application identifier from the NFC tag and opens a scheduling application in response. The portable electronic device then communicates with a scheduling server to receive the schedule of the address stored on the NFC tag. The user may reserve the area and set a number of presets through the scheduling application. Updates to the schedule are communicated to the scheduling server from the portable electronic device. | 03-13-2014 |
20140106735 | User Identification and Location Determination in Control Applications - A system in which a portable electronic device communicates with an external device to determine a location. Upon determining its location, the portable electronic device transmits this information as well as identifying information to a control processor. The control processor controls one or more controllable devices according to the location and identifying information. The portable electronic device may determine the location via NFC tag or via one or more RF beacons transmitting information according to the Bluetooth 4.0 protocol. | 04-17-2014 |
20140108084 | Initiating Schedule Management Via Radio Frequency Beacons - A portable electronic device receives broadcasts from one or more RF beacons to determine a location of a user and communicates with a scheduling server to manage the schedule of a conference room. The portable electronic device receives an address and an application identifier from each RF beacon and opens a scheduling application in response. The portable electronic device then communicates with a scheduling server to receive the schedule of the location determined from the beacon broadcasts. The user may reserve the location and set a number of presets through the scheduling application. Updates to the schedule are communicated to the scheduling server from the portable electronic device. | 04-17-2014 |
Brian Donlan, Southport, FL US
Patent application number | Description | Published |
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20120235791 | TRANSPORTATION ROUTE MANAGEMENT - Monitoring systems in accordance with the disclosure store one or more reporting behavior profiles that include parameters that determine when a monitoring device associated with a shipping container initiates transmission of a status message to a remote location, e.g., an operations center, a government interface, or a commercial interface. At least a portion of the parameters of the reporting behavior profiles are dependent on a location of the monitoring system. The reporting behavior profiles can cause the monitoring device to initiate a message based on many conditions. For example, the report conditions can include when the present location deviates from a predetermined route of the reporting behavior profile, when the present location of the container remains unchanged for a certain time, when a security condition of the container changes, when an environmental condition of the container changes, etc. | 09-20-2012 |
20120262272 | MONITORING UNIT CONFIGURATION MANAGEMENT - A monitoring device in accordance with the disclosure stores a serial number list in non-volatile memory, the serial number list including data indicative of at least one valid serial number associated with one or more key fobs permitted to interact with the monitoring device. The monitoring device is configured to receive a wakeup signal via a key fob interface configured to communicate with a key fob. The monitoring device reads a serial number from a key fob via the key fob interface and searches the stored serial number list for data indicative of a valid serial number matching the serial number read via the key fob interface. The monitoring device reads action data from the key fob via the key fob interface, the action data being indicative of an action to be taken by the monitoring device. The monitoring device, in response to the read serial number matching a valid serial number of the stored serial number list, takes an action based on the action data. | 10-18-2012 |
Bryan J. Donlan, Seattle, WA US
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20140046906 | ARCHIVAL DATA IDENTIFICATION - Methods and systems are provided herein that facilitate cost-effective and reliable data identification in an archival data storage system. In an embodiment, a data object stored in an archival data storage system is identified by a data object identifier which encodes storage location information that may be used to locate a data object stored in an archival data storage system that reduces the cost to store a global index. The data object identifier may also encode policy information such as access control information usable for validating subsequent access to the data object, payload validation information such as size and digest usable for verifying the integrity of the payload data, metadata validation information such as error-detection codes usable for validating integrity of the data object identifier and other information. | 02-13-2014 |
20140046909 | DATA STORAGE INTEGRITY VALIDATION - Embodiments of the present disclosure are directed to, among other things, validating the integrity of received and/or stored data payloads. In some examples, a storage service may perform a first partitioning of a data object into first partitions based at least in part on a first operation. The storage service may also verify the data object, by utilizing a verification algorithm, to generate a first verification value. In some cases, the storage service may additionally perform a second partitioning of the data object into second partitions based at least in part on a second operation. The second partitions may be different from the first partitions. Additionally, the archival data storage service may verify the data object using the verification algorithm to generate a second verification value. Further, the storage service may determine whether the second verification value equals the first verification value. | 02-13-2014 |
20150161184 | DATA STORAGE INVENTORY INDEXING - Embodiments of the present disclosure are directed to, among other things, managing inventory indexing of one or more data storage devices. In some examples, a storage service may store an index associated with archived data. Additionally, the storage service may receive information associated with an operation performed on the archived data. The storage service may also partition the received information into subsets corresponding to an identifier. In some cases, the identifier may be received with or otherwise be part of the received information. The storage service may also retrieve at least a portion of the index that corresponds to the subset. Further, the storage service may update the retrieved portion of the index with at least part of the received information. The updating may be based at least in part on the subsets. | 06-11-2015 |
20160085797 | ARCHIVAL DATA IDENTIFICATION - A request to retrieve a persistently stored data object is received, the request including a data object identifier that encodes at least storage location information and validation information related to the data object. The data object is retrieved using at least the storage location information to form a retrieved data object, and validation is performed using at least the validation information. | 03-24-2016 |
Joann D. Donlan, Chapin, SC US
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20120185400 | PROCESSING REFUND REQUESTS - Methods, computer readable media, and apparatuses for processing refund requests are presented. According to one or more aspects, a first user interface may be displayed via which a user may select a fee category and a date range corresponding to a customer request for a fee refund. In response to receiving first user input, a second user interface may be displayed via which one or more fees may be selected for refunding to the customer and via which one or more reasons for the refund may be specified. In response to receiving second user input, a refund decision specifying whether the selected fees are to be refunded to the customer may be displayed. | 07-19-2012 |
Joseph Donlan, Chicago, IL US
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20090094060 | METHOD AND SYSTEM FOR CONSUMER HEALTHCARE DECISIONMAKING - A method and system for healthcare decisionmaking wherein a consumer begins with a diagnosis, is educated on the interpretation of relevant data relating thereto, assess risk, selects and prioritizes search criteria, reviews treatment option results and compares the results based on their preference, or by using statistically valid data derived from consumers like themselves. The method and system presents a structured framework for communicating information that has been personalized and customized to an individual who is a consumer of information about healthcare. The system is a networked, knowledge-based system that assists the consumer in assessing healthcare treatment options for a variety of healthcare conditions, procedures and clinical diagnoses. The system includes a server and a server-driven remote interface through which a series of progressively more personalized presentations of information are achieved by matching a consumer's preferences with those of demographically similar consumers and best practice information obtained from a variety of public and private sources. | 04-09-2009 |
20140222455 | SYSTEMS, DEVICES, AND METHODS FOR PROVIDING HEALTHCARE INFORMATION - Certain exemplary embodiments can comprise a method that can comprise, for a predetermined user, automatically determining a score for each resource from a plurality of predetermined resources based on the user's weighting of predetermined factors associated with the resources and an objective score for each factor for each resource, ranking the scored resources, and/or providing an identity of a best matched resource for the user. | 08-07-2014 |
Joshua Donlan, Oviedo, FL US
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20160048366 | Video Streaming System and Method for a Wearable Display - A video display system includes a secure integrated wireless network employed by a receiver and player having authorization to connect to the network. The receiver accepts analog or digital video signals through a single video input and automatically transcodes the video signal into a video stream for transmitting over an integrated secure network to the player. A wireless integrated display device authorized to connect to the network is operable with the receiver. The player is configured to automatically find and connect to the secured network and be paired with the receiver for connecting to a real time stream hosted on the receiver for playing the stream on the integrated display. | 02-18-2016 |
Matthew L. Donlan, Charlotte, NC US
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20140373121 | SYSTEM AND METHOD FOR PROVIDING INTERNAL SERVICES TO EXTERNAL ENTERPRISES - In certain embodiments, a system for providing internal services to third party enterprises comprises a memory module operable to store credentials associated with each of a plurality of third party enterprises, an interface module operable to receive a service request associated with a particular third party enterprise, the service request including a token associated with the particular third party enterprise, and a processing module operable to validate the particular third party enterprise, determine a particular internal service offered by an enterprise that is the subject of the service request, the interface module further operable to forward the service request to the particular internal service, receive results corresponding to the service request generated by the particular internal service, and communicate the results corresponding to the service request to the particular third party enterprise, and the memory module further operable to store the results corresponding to the service request. | 12-18-2014 |
20150310422 | METHOD AND APPARATUS FOR PROVIDING REAL TIME MUTABLE CREDIT CARD INFORMATION - A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone. | 10-29-2015 |
20160104136 | METHOD AND APPARATUS FOR PROVIDING REAL TIME MUTABLE CREDIT CARD INFORMATION AND FOR PROVIDING TIMESTAMP FUNCTIONALITY - A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone. | 04-14-2016 |
20160104150 | METHOD AND APPARATUS FOR PROVIDING REAL TIME MUTABLE CREDIT CARD INFORMATION AND FOR PROVIDING SLEEP MODE FUNCTIONALITY - A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone. | 04-14-2016 |
20160104158 | METHOD AND APPARATUS FOR PROVIDING REAL TIME MUTABLE CREDIT CARD INFORMATION WITH FUTURE TIMESTAMP FUNCTIONALITY - A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone. | 04-14-2016 |
Matthew Laine Donlan, Charlotte, NC US
Patent application number | Description | Published |
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20110191210 | ONLINE FINANCIAL INSTITUTION PROFILE ELECTRONIC CHECKOUT - Embodiments of the invention provide for methods, apparatuses, and computer program products for providing a financial institution check-out system for processing online transactions using a customer's pre-existing online financial institution profile. A customer desiring to checkout from an online vendor's electronic marketplace is given a choice to checkout using a financial institution's secure checkout widget, which is rendered alongside the customer computer system's web browser application by a financial institution server. The widget authenticates the customer as a financial institution account owner, and the financial institution server displays to the customer his or her available payment accounts and receives customer input regarding the desired payment account. The server runs a payment service engine that controls payment for the transaction, and then the widget communicates proof of successful payment to the vendor server. The vendor server receives payment confirmation from the financial institution server and thereafter communicates successful payment confirmation to the customer via the vendor's checkout interface. | 08-04-2011 |
20110196782 | Transferring Funds Using Mobile Devices - Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller. | 08-11-2011 |
20130297391 | RULE-BASED OFFER ASSOCIATION - Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant. | 11-07-2013 |
20130297392 | INTELLIGENT OFFER TOOL - Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant. | 11-07-2013 |
20130297400 | OFFER MODIFICATION BASED ON CIRCUMSTANCES - Embodiments of the invention are directed to systems, methods and computer program products for modifying an offer having an initial offer value including the steps of determining a first time associated with initial offer acceptance, determining a period of time corresponding to a life of the offer, initiating a clock counting down the period of time, receiving a communication indicated that the offer has been redeemed, determining a second time associated with offer redemption, and calculating, in response to receiving the communication, a modified offer value based on the first time, the second time, the initial offer value and the life of the offer. | 11-07-2013 |
20130297417 | QUEUING INPUT DATA FOR VIEW OF CUSTOMER AND OFFER ASSOCIATION - Embodiments of the invention are directed to systems, methods and computer program products for implementing rule-based offer association, queuing input information for performing rule-based offer association, and implementing an intelligent offer tool for determining whether to present an offer to a user. The invention enables an entity to send targeted offers to a user that enables the user to receive at least one of a discount or a rebate on a purchase from a merchant. | 11-07-2013 |
20130297421 | SYSTEM AND METHOD FOR ANALYSIS OF CUSTOMER INTERACTIONS TO DEVELOP COMPREHENSIVE CUSTOMER DATA ARCHIVES - Embodiments of the invention are directed to systems, methods and computer program products for targeting offers to customers. Specifically, data relating to customers is gathered in order to generate a comprehensive customer data archive. The customer data archive may include transactional data and non-transactional data. Non-transactional data may include, for example, social media interactions, received input from a financial advisor, received input from the customer, customer-specific data such as age, family status, gender, etc. | 11-07-2013 |
20130297446 | ONLINE SHOPPING EXPERIENCE MODIFICATION - Embodiments of the invention are directed to a system, method, or computer program product for providing a modified online shopping experience to users. The modified online shopping experience presents offers to a user when the user is viewing a merchant online. The offers may be specifically tailored to the interests of the user viewing the merchant online. In this way, the system determines offers that the user may be interested in based on merchant data and financial institution data associated with the user. The tailored offers may be based on merchant data, such as previously accepted offers, loyalty accounts or the like and/or financial institution data such as products purchased, transaction history, and the like. The tailored offers that match the interest of a user may then be presented on the interface, website, or the like that the user is viewing when viewing a merchant online. | 11-07-2013 |
20140012649 | ALLOCATING OFFER SAVINGS TO NON-PROFIT ORGANIZATIONS - Embodiments of the invention are directed to systems, methods and computer program products for allocating offer savings to a non-profit organization. An exemplary apparatus is configured to: determine a purchase associated with an offer, wherein the offer enables a user to receive at least one of a rebate or discount on the purchase; determine whether an option to donate the rebate or discount amount to a non-profit organization is selected; and in response to determining the option to donate the rebate or discount amount to the non-profit organization is selected, increase the rebate or discount amount by a predetermined amount. | 01-09-2014 |
20140025446 | OFFER ASSIGNMENT - Embodiments of the invention are directed to systems, methods and computer program products for offer assignment. An exemplary apparatus is configured to transmit a first offer to a first user based on at least one of user information or account information associated with the first user, wherein the first offer enables the first user to receive at least one of a first discount or rebate on a first purchase from a first merchant; and determine the first user has assigned the first offer to a second user, wherein the first offer enables the second user to receive at least one of a second discount or a second rebate on the first purchase from the first merchant. | 01-23-2014 |
20140025450 | REVERSE COUPONING - Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user. | 01-23-2014 |
20140025458 | OFFER SUBSTITUTION AT SETTLEMENT - Embodiments of the invention are directed to systems, methods and computer program products for substituting an offer at the time of settlement of the offer. An exemplary method comprises determining a transaction associated with a financial institution account, wherein the transaction is associated with a first offer activated by a user of the financial institution account or automatically activated based on one or more pre-configured user preferences; determining, when processing the transaction, whether to substitute the first offer with a second offer, wherein the second offer is based on at least one of user information or account information associated with the user at the time of processing the transaction; and substituting the first offer with the second offer, wherein a rebate associated with the second offer is applied to the transaction. | 01-23-2014 |
20140025459 | APPLYING OFFERS TO PURCHASE TRANSACTIONS AT SETTLEMENT - Embodiments of the invention are directed to systems, methods and computer program products for applying offer to purchase transactions at settlement. An exemplary apparatus is configured to determine at least one transaction associated with a user's financial institution account; and determine, when processing the at least one transaction, whether to apply at least one offer to the at least one transaction. The at least one offer enables the user's financial institution account to receive a discount or a rebate on the at least one transaction. The at least one offer was activated by the user or automatically activated based on one or more pre-configured user preferences. In some embodiments, the at least one offer is applied to the at least one transaction based on the least one transaction occurring during a predetermined period. | 01-23-2014 |
20140025467 | OFFER ACTIVATION ACTIVITY AS AUTHENTICATION MECHANISM - Embodiments of the invention are directed to systems, methods and computer program products for authentication based on offer activation activity. An exemplary apparatus is configured to receive a user's access request; determine an activated offer and a rejected offer within a predetermined period in the past; and initiate presentation of an authentication prompt, wherein the authentication prompt is based on at least one of the activated offer or the rejected offer. | 01-23-2014 |
20140025491 | OFFERS BASED ON LIFE EVENTS - Embodiments of the invention are directed to systems, methods and computer program products for determining offers based on life events. An exemplary apparatus is configured to determine a life event based on at least one of user information or account information associated with a user of a financial institution account; project a timeline of future events based on the life event; determine an offer associated with a future event, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase transaction; and transmit the offer to the user near in time to the future event's projected occurrence. | 01-23-2014 |
20140025492 | MICRO-TARGETING OFFERS AT HOUSEHOLD LEVEL - Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting users at household level. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user, wherein the first offer is based on user information and account information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. | 01-23-2014 |
20140032290 | INCENTIVE FOR OFFER DISTRIBUTION - Embodiments of the invention are directed to systems, methods and computer program products for applying offer to purchase transactions at settlement. An exemplary apparatus is configured to determine at least one transaction associated with a user's financial institution account; and determine, when processing the at least one transaction, whether to apply at least one offer to the at least one transaction. The at least one offer enables the user's financial institution account to receive a discount or a rebate on the at least one transaction. The user may transmit the at least one offer to a second user. In some embodiments, the at least one offer is applied to the at least one transaction based on whether the user transmitted the at least one offer to the second user and/or whether the second user executed at least one transaction associated with the at least one offer. | 01-30-2014 |
20140032292 | OFFER AGGREGATION - Embodiments of the invention are directed to systems, methods and computer program products for offer aggregation. An exemplary apparatus is configured to determine a first offer that is associated with a first discount or rebate on a first transaction; determine a second offer that is associated with a second discount or rebate on a second transaction; determine whether the user executed the first transaction and the second transaction; and in response to determining the user executed the first transaction and the second transaction when processing the first transaction and the second transaction, apply a third discount or rebate to the user's financial institution account, wherein the third discount or rebate is based on at least one of the first discount or rebate or the second discount or rebate. | 01-30-2014 |
20140032293 | SEQUENTIAL OFFER AGGREGATION - Embodiments of the invention are directed to systems, methods and computer program products for sequential offer aggregation. An exemplary apparatus is configured to determine a first offer that enables the user's financial institution account to receive a first discount or rebate on a first transaction; and in response to determining the user executed the first transaction, determine a second offer that enables the user's financial institution account to receive a second discount or rebate on a second transaction. In some embodiments, the second offer may be based on the first offer. | 01-30-2014 |
20140032294 | OFFERS BASED ON USER ACTIVITY - Embodiments of the invention are directed to systems, methods and computer program products for applying offers to purchase transactions at settlement based on an activity performed by a user. An exemplary apparatus is configured to determine at least one transaction associated with a user's financial institution account; and determine, when processing the at least one transaction, whether to apply at least one offer to the at least one transaction. The at least one offer enables the user's financial institution account to receive a discount or a rebate on the at least one transaction. In some embodiments, the at least one offer is applied to the at least one transaction based on substantially matching activity information associated with the at least one offer with at least one activity performed by the user. | 01-30-2014 |
20140046748 | OFFERS BASED ON PRE-PURCHASE INTENT - Embodiments of the invention are directed to systems, methods and computer program products for transmitting offers based on pre-purchase intent. An exemplary apparatus is configured to: receive a declaration of intent from a user, the declaration of intent being associated with an intended purchase; transmit the declaration of intent to at least one merchant; receive an offer from the at least one merchant, the offer being based on the declaration of intent, and the offer enabling the user to receive a discount or rebate on the intended purchase; and transmit the offer to the user. | 02-13-2014 |
20140074574 | ADAPTIVE RESPONSE TO USER TRANSACTIONS - Embodiments of the invention are directed to systems, methods and computer program products for adaptively responding to a user transaction. An exemplary apparatus is configured to: receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; receive authorization information associated with a transaction, the offer not activated by the user prior to the transaction; and transmit a message to the user advising the user to activate the offer within a predetermined period, wherein the transaction is cleared upon expiration of the predetermined period. | 03-13-2014 |
20140149195 | NEAR REAL-TIME MATCH - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to determine whether a transaction qualifies for an offer. An exemplary apparatus is configured to: receive information associated with a transaction; receive information associated with an offer, the offer enabling a user to receive a discount or rebate on a qualifying transaction; and initiate presentation of an indicator indicating whether the transaction qualifies for the offer. | 05-29-2014 |
20140149201 | USER DASHBOARD - Embodiments of the invention are directed to systems, methods and computer program products for initiating presentation of a rebate associated with a transaction. An exemplary apparatus is configured to: determine a user executed a first transaction qualifying for a first offer; determine a first rebate associated with the first transaction; apply the first rebate to the user's account; initiate presentation of the first rebate on a user interface; determine the user executed a second transaction qualifying for a second offer; determine a second rebate associated with the second transaction, wherein the second rebate is not applied to the user's account; and initiate presentation of the second rebate on the user interface. | 05-29-2014 |
20140172528 | PROVIDING FUTURE ACCESS TO REWARD DISTRIBUTION IN A PURCHASE OFFER AND REWARD SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for managing the distribution of rewards in a purchase offer and reward program. Specifically, embodiments of the present invention provide for applying a monetary reward to a designated account that is only available to the customer in the future based on occurrence of a triggering event. In specific embodiments of the invention, the triggering event may be a future date or an account amount threshold, such that when the date occurs or when the threshold amount is accumulated in the account, the account becomes accessible to the customer. Moreover, the account may be any type of account, such as a savings account or the like. In specific embodiments, the account is associated with a pre-paid credit card or a similar product, such that once the triggering event occurs the pre-paid credit card is issued to the customer. | 06-19-2014 |
20140172536 | ALTERNATIVE DISTRIBUTION OF REWARDS IN A PURCHASE OFFER AND REWARD SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for alternative means for rewards distribution in a purchase offer and rewards program, such as a cash-back merchant offer program implemented by a financial institution. In present embodiments of the invention, rewards distribution is not limited to accounts held at the entity implementing the purchase offer and rewards program, but rather, rewards may be applied to accounts that are external from the entity implementing the purchase offer and rewards program. Further, rewards distribution is not limited to accounts held by the customer, but rather, rewards may be applied to accounts, both internal and/or external, held by individuals or entities other than the customer. In addition, rewards distribution may provide for the rewards to be applied to an account associated with a pre-paid credit card or the like. | 06-19-2014 |
20150066775 | Transferring Funds Using Mobile Devices - Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller. | 03-05-2015 |
20160034871 | MOBILE KIOSK FOR ENHANCED FINANCIAL PRODUCT OFFERINGS - In some embodiments, a mobile kiosk includes a vehicle and a kiosk portion coupled to the vehicle. The mobile kiosk provisions financial products. The mobile kiosk receives information for a first configuration customized according to a first customer location, applies the first configuration, and provisions a first set of the financial products using the first configuration. The mobile kiosk then receives information for a second configuration customized according to a second customer location, applies the second configuration, and provisions a second set of the financial products using the second configuration. The second configuration differs from the first configuration and the second location differs from the first location. | 02-04-2016 |
20160035022 | MULTI-PURPOSE, MULTI-TENANT KIOSK - In certain embodiments, a kiosk deployed at a customer location communicates a plurality of financial products available for provisioning by the kiosk and, for each financial product, one or more vendors that offers the financial product. The kiosk provisions a selected one of the financial products in response to input from a user. The input indicates the selected financial product and a selected one of the vendors. | 02-04-2016 |
Rodney M. Donlan, Atlanta, GA US
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20090191254 | INHIBITION OF BIOFILM FORMATION USING BACTERIOPHAGE - Disclosed herein are indwelling medical devices suitable for introduction into the body of a subject, wherein the indwelling medical devices comprise one or more surfaces on which a bacterial biofilm can form, and an effective amount of a bacteriophage composition carried by one or more of the surfaces, wherein the bacteriophage composition inhibits formation of the bacterial biofilm on the indwelling medical device. Also disclosed herein are methods of inhibiting the formation of bacterial biofilms on indwelling medical devices. | 07-30-2009 |
Rodney Martin Donlan, Atlanta, GA US
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20140199360 | CONTROLLED COVALENT ATTACHMENT OF BIOACTIVE BACTERIOPHAGE FOR REGULATING BIOFILM DEVELOPMENT - Medical devices that are resistant to biofilm development and methods of the manufacture of biofilm resistant medical devices are provided. One or more bacteriophages are tethered to the surface of a medical device or a hydrogen-type coating on the surface of the device by covalent bonding while maintaining bacteriophage infective or lytic activity. The presence of the bacteriophages on a medical device, such as an indwelling medical device, prevents biofilm formation or reduces existing biofilm formation on the surface of the device when in use. These devices address the long felt need for biofilm resistant devices that increase safety and reduce complications normally associated with prior indwelling or other medical devices. | 07-17-2014 |
William D. Donlan, Peoria, IL US
Patent application number | Description | Published |
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20080244555 | Bundling software updates - In one implementation, a method is provided for bundling software updates for an enterprise. According to the method, the software updates are received, stored in a database, and associated with the bundle. At one or more predetermined checkpoints, the method checks for additional software updates and, if additional software updates are available, receives the additional software updates and associates the additional software updates with the bundle. The method further comprises freezing contents of the bundle at a predetermined bundle content freeze point. After the bundle content freeze point, additional software updates are not associated with the bundle. | 10-02-2008 |