Inventors list |
Assignees list |
Classification tree browser |
Top 100 Inventors |
Top 100 Assignees |
Joa
Andreas Joa, Neustadt DE
David Joa, Charlotte, NC US
| Patent application number | Description | Published |
|---|---|---|
| 20100106638 | APPARATUS AND METHODS FOR VERIFYING A CREDIT APPLICANT'S INCOME THAT ENHANCE A CREDIT APPLICANT'S EXPERIENCE - Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information. | 04-29-2010 |
David Joa, San Francisco, CA US
| Patent application number | Description | Published |
|---|---|---|
| 20090152343 | AUTHENTICATION METHODS FOR USE IN FINANCIAL TRANSACTIONS AND INFORMATION BANKING - A method for conducting a financial transaction can be used by a person using a mobile device to conduct the transaction. The mobile device receives information related to the person that can be used for authentication purposes, such as a PIN or biometric data. The mobile device then authenticates the person by verifying the information received. If the person is authenticated, the transaction is completed using the mobile device, and if the person is not authenticated, the transaction is prevented. | 06-18-2009 |
| 20090157454 | TRANSACTION CONTROL METHODS FOR USE IN FINANCIAL TRANSACTIONS AND INFORMATION BANKING - A method for conducting a financial transaction involves a person using a mobile device. The mobile device accesses information regarding the proposed financial transaction and determines, based on that information, whether the proposed transaction is permissible according to pre-set preferences associated with the person. Some of these preferences may be controllable by the person, and other preferences may be only partially controllable or not controllable by the person. The proposed transaction is denied if it is determined not to be permissible, and the proposed transaction is allowed if it is determined to be permissible. If the transaction is denied, the person may be presented with the option of changing the preferences, and authentication may be necessary to do so. | 06-18-2009 |
| 20090157560 | INFORMATION BANKING AND MONETIZATION OF PERSONAL INFORMATION - Information related to a person can be processed and monetized according to several methods. The person is provided control over monetization of information that is related to him or her. This information may be received and stored by a storage entity, such as an information bank. Upon confirmation of a purchase agreement between the person and a purchaser, the information is made available to the purchaser, and the person receives value in exchange for the information. The information may be collected and stored for later bulk or incremental monetization at the control of the person. | 06-18-2009 |
David Joa, Irving, CA US
| Patent application number | Description | Published |
|---|---|---|
| 20110187500 | Environmental Adjustments Using Biometrics - Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair. | 08-04-2011 |
Susan Louise Joa, Liberty Township, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20100100028 | APPLICATORS HAVING IMPROVED LIGHT SCATTERING PROPERTIES - A biodegradable applicator for a feminine hygiene product. The applicator has an outer member having an insertion end, a withdrawal end and a viewing surface. The viewing surface can have a delta hue greater than about three degrees at a reflectance angle less than about 25 degrees, a flop index greater than about 5, and/or a luminosity greater than about 1600. | 04-22-2010 |
Wolfgang Joa, Koln DE
| Patent application number | Description | Published |
|---|---|---|
| 20110049235 | Method and Device for Identifying and Authenticating Objects - The invention relates to a process for identifying and authenticating an object. The object includes an identifier which has a code region and a scattering region and is irradiated with electromagnetic radiation for identifying and/or authenticating the object, in such a manner that the electromagnetic radiation reflected by the code region is used for identifying the object and the electromagnetic radiation reflected by the scattering region is used for authenticating the object. In addition, the invention relates to a device for the parallel identification and authentication of an object | 03-03-2011 |