Kingston, US
Amanda Kingston, Rochester, NY US
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20130308094 | USE OF AN OPTICAL SYSTEM SIMULATING BEHAVIOR OF HUMAN EYE TO GENERATE RETINAL IMAGES AND AN IMAGE QUALITY METRIC TO EVALUATE SAME - A method of predicting clinical performance of an ophthalmic optical correction using simulation by imaging a series of objects of different sizes by each of a plurality of eye optical systems, each of the eye optical systems including the ophthalmic optical correction, the method providing an output value representing the resolution and contrast performance of the optical design at that vergence for the eye optical systems. | 11-21-2013 |
Amanda C. Kingston, Rochester, NY US
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20090157179 | Ophthalmic Lenses Providing an Extended Depth of Field - An aspect of the invention is directed to an ophthalmic lens, comprising at least one optic comprising a lens zone. The zone is configured such that, when the lens is located in an average eye, for all object locations along an axis in a range from infinity to 1.0 diopters, for light having a wavelength 550 nm, the wavefront at the retina formed by the lens zone has the following characteristics | 06-18-2009 |
20100079723 | Toric Ophthalimc Lenses Having Selected Spherical Aberration Characteristics - A toric ophthalmic lens having substantially zero spherical aberration for a first circular aperture having a first diameter and substantially zero spherical aberration for a second circular aperture having a second diameter, the first diameter being at least 4 mm and the second diameter being at least 3 mm, the first diameter being at least 0.5 mm larger than the second diameter. A series of ophthalmic lenses, each lens comprising a same spherical power as the other lenses in the set, and a unique cylindrical power, each lens comprising (i) a first toric surface, and (ii) a second surface, at least one of the first surface and the second surface being aspheric in a meridian, the lens having substantially zero spherical aberration for all circular optical zone diameters less than 4 mm. | 04-01-2010 |
20140125954 | System and Method of Calculating Visual Performance of an Ophthalmic Optical Correction Using Simulation of Imaging by a Population of Eye Optical Systems - A method of calculating clinical performance of an ophthalmic optical correction using simulation by imaging a series of objects of different sizes by each of a plurality of eye optical systems, each of the eye optical systems including the ophthalmic optical correction, the method comprising A.) at an object distance, calculating a set of indicia of image quality, each indicium of the set of indicia corresponding to an object in the series of objects when it is imaged by a given one of the plurality of eye optical systems, B.) at the object distance, comparing the set of indicia to a threshold to determine a just-discernable object size for the given one of the plurality of eye optical systems, and C.) repeating steps A and B for each eye optical system in the plurality of eye optical systems. | 05-08-2014 |
Benjamin Kingston, Suwanee, GA US
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20120060359 | Method, System and Apparatus for Making Short Run Radio Frequency Identification Tags and Labels - The present invention is a method and apparatus for producing ready to use RFID devices in a convenient and economical manner. The apparatus of the present invention may be collocated with a manufacturer of consumer goods. | 03-15-2012 |
20120061473 | Method of Manufacturing a Radio Frequency Identification Device - The present invention relates to a method of manufacturing an antenna for a radio frequency (RFID) tag. A web of material is provided to at least one cutting station in which a first pattern is generated in the web of material. A further cutting may occur to create additional modifications in order to provide a microchip attachment location and to selectively tune an antenna for a particular end use application. The cutting may be performed by a laser, die cutting, stamping or combinations thereof. | 03-15-2012 |
20120064307 | Foil Laminate Intermediate and Method of Manufacturing - The present invention relates to a method of manufacturing a metal foil laminate which may be used for example to produce an antenna for a radio frequency (RFID) tag, electronic circuit, photovoltaic module or the like. A web of material is provided to at least one cutting station in which a first pattern is generated in the web of material. A further cutting may occur to create additional modifications in order to provide additional features for the intended end use of the product. The cutting may be performed by a laser either alone or in combinations with other cutting technologies. | 03-15-2012 |
20120090877 | Method of Manufacturing Conductive Structures - The present invention relates to a method of manufacturing a web of a plurality of conductive structures which may be used for example to produce an antenna, electronic circuit, photovoltaic module or the like. The method involved simultaneously patterning at least one pattern in a conductive layer using a plurality of registration marks. The registration marks serve to align and guide the creation of the plurality of conductive structures. Optical brighteners may also be utilized within the adhesive layer and the registration marks of the present invention in order to detect the location where conductive structures are to be placed. | 04-19-2012 |
20120280047 | Method, System and Apparatus for Making Short Run Radio Frequency Identification Tags and Labels - The present invention is a method and apparatus for producing ready to use RFID devices in a convenient and economical manner. The apparatus of the present invention may be collocated with a manufacturer of consumer goods. | 11-08-2012 |
20130055555 | Method of Manufacturing Conductive Structures - The present invention relates to a method of manufacturing a web of a plurality of conductive structures which may be used for example to produce an antenna, electronic circuit, photovoltaic module or the like. The method involved simultaneously patterning at least one pattern in a conductive layer using a plurality of registration marks. The registration marks serve to align and guide the creation of the plurality of conductive structures. Optical brighteners may also be utilized within the adhesive layer and the registration marks of the present invention in order to detect the location where conductive structures are to be placed. | 03-07-2013 |
20140034739 | Method of Manufacturing a Radio Frequency Identification Device - The present invention relates to a method of manufacturing an antenna for a radio frequency (RFID) tag. A web of material is provided to at least one cutting station in which a first pattern is generated in the web of material. A further cutting may occur to create additional modifications in order to provide a microchip attachment location and to selectively tune an antenna for a particular end use application. The cutting may be performed by a laser, die cutting, stamping or combinations thereof. | 02-06-2014 |
20140047703 | Foil Laminate Intermediate and Method of Manufacturing - The present invention relates to a method of manufacturing a metal foil laminate which may be used for example to produce an antenna for a radio frequency (RFID) tag, electronic circuit, photovoltaic module or the like. A web of material is provided to at least one cutting station in which a first pattern is generated in the web of material. A further cutting may occur to create additional modifications in order to provide additional features for the intended end use of the product. The cutting may be performed by a laser either alone or in combinations with other cutting technologies. | 02-20-2014 |
Bradley Kingston, Manhattan Beach, CA US
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20100302034 | ARTICLE INSPECTION SYSTEM AND METHOD - An inspection system and method for determining the elemental makeup of contents of an article includes a localizer for identifying at least one region of interest of the article from data representative of contents of the article, the at least one region of interest having a cross-sectional area or a volume that is less than the entire cross-sectional area or the entire volume of the article, an associated particle imaging device that produces an output that is indicative of the elemental makeup of contents of the article, a data selector for selecting a portion of the output of the associated particle imaging device that corresponds to respective identified regions of interest, and an analyzer for analyzing the portions of the output of the associated particle imaging device selected by the data selector to determine the elemental makeup of contents of the article in each identified region of interest. | 12-02-2010 |
Daniel J. Kingston, Mendola Heights, MN US
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20110149547 | OPTICAL ELEMENT AND COLOR COMBINER - Optical elements, color combiners using the optical elements, and image projectors using the color combiners are described. The optical element includes color selective dichroic filters and a reflective polarizer. A line passing perpendicularly through each of the color selective dichroic filters intercepts the reflective polarizer at approximately 45 degrees. The optical element can also include retarders positioned adjacent to the color selective dichroic filters. The color combiner includes partially reflective light sources coupled to the optical element. Unpolarized light having different colors can enter the color combiner through the dichroic filters, and combined light of a desired polarization state can exit the color combiner. Light having an undesired polarization state can be recycled to the desired polarization state within the color combiner, so that light utilization efficiency is increased. The image projector includes a color combiner coupled to an imaging source and projection elements, so that a first portion of the combined light is directed to the projection element, and a second portion of the combined light is recycled back into the color combiner. | 06-23-2011 |
David G. I. Kingston, Blacksburg, VA US
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20110144163 | THIOLATED PACLITAXELS FOR REACTION WITH GOLD NANOPARTICLES AS DRUG DELIVERY AGENTS - Thioloated taxane derivatives are linked to colloidal metal particles such as gold nanoparticles for use as antitumor agents. The antitumor agents may be targeted to tumors. | 06-16-2011 |
Dean Michael Kingston, Arvada, CO US
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20100203578 | APPARATUS AND METHODS FOR SEPARATING AND ANALYZING COMPONENTS IN FLUIDS - Provided are methods and devices for separating particulate analytes or aggregates of analytes from a fluid, after the separation medium of the device is saturated with the fluid. The endpoint indicating completion of the separation is determined by saturation; therefore, no precise metering of the fluid sample is necessary. The separated analyte of interest can be detected, quantitated or its migration measured in the separation medium. The measured property of the analyte can then be correlated with a parameter of interest. In some embodiments, the device can be marked to directly read the value of the parameter of interest. In one embodiment, the fluid is blood and the device includes a volumetric capillary reservoir for collecting the blood, a separation paper or indicator strip, and graduations for correlating the migration of red blood cells with hematocrit or hemoglobin concentration. The interface of red blood cells and plasma creates a readable marking that corresponds to percent hematocrit and can be read from the graduations. | 08-12-2010 |
20100267065 | APPARATUS AND METHODS FOR ANALYZING FLUID VARIABLES - Methods and devices for analyzing fluid variables such as viscosity, surface tension, analyte concentration, the presence of particulates or aggregates are provided. The devices analyze fluid variables by measuring cessation of fluid flow through the medium or a change in flow rate due to an inherent property of the fluid variable, or due to a modification of the fluid variable as the fluid migrates through the medium. One lateral flow device provided analyzes a fluid variable in a sample by measuring relative rates of capillary flow down two or more converging arms of a common element of porous media, such as filter paper, in which at least one of the arms has been modified by the addition of flow-modifying agents which affect the flow rate in response to the concentration of the analyte. The fluid fronts will converge at a position determined by their relative flow rates, which is thus indicative of a fluid variable, such as analyte concentration, in the sample fluid. Another lateral flow device provided herein analyzes fluid variables in a sample by measuring relative rates of capillary flow down two or more arms of a common element of porous media, such as filter paper, in which at least one of the arms has been modified by the addition of flow-modifying agents which affect the flow rate in response to the concentration of the analyte. The relative distance at completion of the fluid fronts from the sample introduction point is determined by their relative flow rates, which is thus indicative of the fluid variable, such as concentration of analyte, in the sample fluid. Yet another lateral flow device provided herein qualitatively measures fluid variables in a sample by detecting changes in the rate of the capillary flow of the sample fluid along a path through an element of porous media, or through multiple elements of porous media which are in serial contact with each other, in which the sample and/or the fluid path has been modified by the addition of flow-modifying agents which cause flow to stop in the presence of the fluid variable, such as a particular concentration of analyte. | 10-21-2010 |
20140024059 | APPARATUS AND METHODS FOR ANALYZING FLUID VARIABLES - Methods and devices for analyzing fluid variables. The devices analyze fluid variables by measuring cessation of fluid flow through the medium or a change in flow rate due to an inherent property of the fluid variable, or due to a modification of the fluid variable as the fluid migrates through the medium; or by measuring relative rates of capillary flow down two or more arms of a common element of porous media in some alternatives, converging in which at least one of the arms has been modified by the addition of flow-modifying agents which affect the flow rate in response to the concentration of the analyte; or by detecting changes in the rate of the capillary flow of the sample fluid along a path through an element of porous media, or through multiple elements of porous media. | 01-23-2014 |
20150056687 | LATERAL FLOW DEVICES AND METHODS OF MANUFACTURE AND USE - A lateral flow assay test device providing a structure for the lateral flow assay reactions provides for a continuous flow path of bibulous material provided in separate but contiguous regions of the device in which the bibulous layers are in fluid contact with each other thereby providing flow control of the timing and speed of the assay reaction. Increased flow control results in increasing reliability of use, increasing sophistication of reactions and increases the range of molecules or diagnosis that can be identified. Such flow control can extend processing times and allow users or test givers to manually delay test processing providing enhanced test results. | 02-26-2015 |
Eric John Kingston, St. Charles, IL US
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20110151843 | Asynchronous Activation of Wireless Devices Within A Real Time Billing Infrastructure - Services associated with an order for a wireless device of a wireless subscriber are decomposed into core services and non-core services. Separate provisioning jobs are provided for asynchronously provisioning the core services and the non-core services. Upon successful completion of the provisioning of the core services and without regard to completion of the provisioning of the non-core services, an account for the subscriber is established in a billing system to allow immediate use of the core services by the wireless subscriber and immediate billing for usage of the core services by the wireless subscriber. | 06-23-2011 |
Howard M. Kingston, Pittsburgh, PA US
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20120142545 | SOLID PHASE AND CATALYZED ENABLED AUTOMATED ISOTOPE DILUTION AND SPECIATED ISOTOPE DILUTION MASS SPECTROMETRY - A method for the equilibration of enriched isotope species and natural isotope species prior to mass spectrometric analysis using solid phase and/or microwave isotope ratio equilibration and measurement. | 06-07-2012 |
20130158886 | Accurate Measurement of glutathione for disease diagnosis and drug metabolite screening - A method of measuring and calculating (preferably by a computer with output to a user) tGSH (total glutathione very particularly defined) with sample preparation and assay methods that have been confirmed to provide accurate and reliable tGSH and related diagnostic assays in blood or tissue from a patient. | 06-20-2013 |
Jeffrey Kingston, Bronx, NY US
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20110112568 | SURGICAL TOOL - Recent advances in minimally invasive surgical procedures have created a demand for smaller scale tools with improved performance characteristics. Attempts to scale down modern tools to the meso level (1-5 mm) have caused severe performance losses. Surgical tools of the present invention provide significant improvements in operable range and force application for both grasping and spreading when compared to currently used endoscopic forceps. | 05-12-2011 |
J. Paul Kingston, Pasadena, MD US
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20090288845 | FIRE EXTINGUISHING APPARATUS - A foam type fire extinguishing apparatus includes a selector which is operable to produce selected constant air flows for mixing with foam to provide variations in foam consistency and strength in accordance with the type of foam agent being used and the type of fire to be extinguished. The selector has a plurality of outputs with tunable valves connected with each output except for a first output. Each valve is adjusted to provide a different flow rate. By operating the selector to choose the appropriate output, different air flows are provided for mixture with the foam. | 11-26-2009 |
Paul Kingston, Nashua, NH US
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20150189473 | System and Method for Anonymous Delivery of Geographically Specific Rich Media Information - An alert system and method with a web based alert server configured with an alert creation portal allowing a customer to generate and store alert information specific to a location. An alert application for mobile devices is configured to upload to the alert server an anonymous token and mobile device location information. The alert server searches for anonymous tokens for mobile devices located within the alert location and serves stored alert information to the alert applications of the mobile devices located within the alert location. | 07-02-2015 |
Robert Kingston, Arlington, MA US
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20110262908 | ISOLATION OF PROTEIN FACTORS THAT ASSOCIATE DIRECTLY OR INDIRECTLY WITH NUCLEIC ACIDS - Methods for isolating polypeptides and polypeptide complexes that are associated with a target nucleic acid sequence are provided. The methods comprise the steps of obtaining a sample that comprises a target nucleic acid sequence and one or more polypeptides or proteins associated with that target nucleic acid sequence; contacting the sample with at least one oligonucleotide probe that comprises a sequence that is complimentary to and capable of hybridising with at least a portion of the target nucleic acid sequence, wherein the oligonucleotide probe comprises at least one locked nucleic acid (LNA) nucleotide and wherein the oligonucleotide probe further comprises at least one affinity label (e.g. biotin); allowing the at least one oligonucleotide probe and the target nucleic acid sequence to hybridise with each other so as to form a probe-target hybrid; isolating the probe-target hybrid from the sample by immobilizing the probe-target hybrid through a molecule that binds to the at least one affinity label (e.g. using streptavidin-coated magnetic beads); and eluting the one or more polypeptides that are associated with the target nucleic acid sequence. Probes (e.g. with long spacer) for use in the methods of screening are also provided. | 10-27-2011 |
20120040857 | ISOLATION OF FACTORS THAT ASSOCIATE DIRECTLY OR INDIRECTLY WITH CHROMATIN - Methods for isolating non-coding nucleic acids that are associated with chromatin at a target genomic locus are provided. The methods comprise the steps of obtaining a sample that comprises a target genomic DNA sequence and one or more non-coding nucleic acids associated with that DNA sequence; contacting the sample with at least one oligonucleotide probe that comprises a sequence that is complimentary to and capable of hybridising with at least a portion of the target DNA sequence, wherein the oligonucleotide probe comprises at least one modified nucleotide analogue and wherein the oligonucleotide probe further comprises at least one affinity label; allowing the at least one oligonucleotide probe and the target DNA sequence to hybridise with each other so as to form a probe-target hybrid; isolating the probe-target hybrid from the sample by immobilizing the probe-target hybrid through a molecule that binds to the at least one affinity label; and eluting the one or more non-coding nucleic acids that are associated with the target genomic DNA sequence. Also provided are probes suitable for use in the methods of the invention. The methods and probes of the invention are suited to identification of non-coding RNAs including microRNAs and snoRNAs that are associated with chromatin remodelling. | 02-16-2012 |
20150056615 | ISOLATION OF FACTORS THAT ASSOCIATE DIRECTLY OR INDIRECTLY WITH NON-CODING RNAS - Methods and assays are provided for isolating factors including polypeptides, ribonucleic acids (RNAs) and polypeptide complexes that are associated with a target nucleic acid sequence. The target nucleic acid sequence may be comprised within chromatin. The methods are suitable for identification and characterisation of factors including non-coding RNAs (ncRNAs) that associate with specified genomic loci. | 02-26-2015 |
Ronald J. Kingston, Syracuse, NY US
Patent application number | Description | Published |
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20090154148 | BATTERY POWERED LIGHTING APPLIANCE - A lighting apparatus includes an electrical contact that receives power from an external power source, a battery receiving region, and a battery backed light source. A user interface receives an input indicative of a first desired operation of the lighting apparatus when power is available from the AC power source and a second desired operation of the battery backed light source in the absence of power from the AC power source. Electrical circuitry uses battery power to operate the battery backed light source in the absence of power from the AC power source based on the second desired operation. | 06-18-2009 |
20100039792 | Battery Powered Lighting Appliance - A lighting apparatus includes a first electrical contact ( | 02-18-2010 |
20100225246 | Multi-Mode Flashlight - A lighting device includes one or more light sources, one or more switches, and a controller. The lighting device has multiple modes of operation. The controller selects modes of operation according to the one or more switches. The controller controls or operates the one or more light sources according to the selected mode of operation. | 09-09-2010 |
Russell Kingston, West Jordan, UT US
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20120058359 | METHODS TO FABRICATE FULLY ENCLOSED HOLLOW STRUCTURES USING FRICTION STIR WELDING - A method is taught for creating a hollow sphere that is created by joining two cylinders together that have a semispherical hollow formed in the ends being joined together, wherein a metallic reinforcing disk is inserted at an interface between the two ends of the cylinders, wherein the two cylinders and reinforcing disk are joined using friction stir welding to create an inner sphere from the two hemispherical hollows that is bisected by the metallic reinforcing disk, and wherein the joined cylinders and reinforcing disk are machined to thereby create an outer spherical surface that is centered around the inner sphere. | 03-08-2012 |
20130098973 | METHODS TO FABRICATE FULLY ENCLOSED HOLLOW STRUCTURES USING FRICTION STIR WELDING - A method is taught for creating a hollow sphere that is created by joining two cylinders together that have a semispherical hollow formed in the ends being joined together, wherein a metallic reinforcing disk is inserted at an interface between the two ends of the cylinders, wherein the two cylinders and reinforcing disk are joined using friction stir welding to create an inner sphere from the two hemispherical hollows that is bisected by the metallic reinforcing disk, and wherein the joined cylinders and reinforcing disk are machined to thereby create an outer spherical surface that is centered around the inner sphere. | 04-25-2013 |
Sean P. Kingston, Oak Creek, WI US
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20090008411 | WEARABLE CHEMCIAL DISPENSER - Disclosed herein are wearable devices for dispensing insect repellents, fragrances, and/or other chemicals along the outside of the clothing of a human, to avoid the need to apply such chemicals directly to clothing or to human's skin. The devices have an on/off switch that automatically controls a shutter which enables and restricts air flow, while also controlling fan operation and covering of a use-up cue. The device also is designed to prevent fan operation when an impregnated slab is not present. Also disclosed are preferred refills for use with such devices. | 01-08-2009 |
20100270393 | Wearable Chemical Dispenser - Disclosed herein are wearable devices for dispensing insect repellents, fragrances, and/or other chemicals along the outside of the clothing of a human, to avoid the need to apply such chemicals directly to clothing or to human's skin. The devices have an on/off switch that automatically controls a shutter which enables and restricts air flow, while also controlling fan operation and covering of a use-up cue. The device also is designed to prevent fan operation when an impregnated slab is not present. Also disclosed are preferred refills for use with such devices. | 10-28-2010 |
20120288414 | Wearable Chemical Dispenser with Useful Life Indicator - Wearable devices for dispensing insect repellents, fragrances, and/or other chemicals along the outside of the clothing of a human are disclosed. The devices are of the type that are clipped onto a belt or the like, and use a powered fan to dispense active. Air flow is directed through a substrate and adjacent to a useful life indicator to improve reliability of the useful life indicator. | 11-15-2012 |
Steve Kingston, Battle Ground, WA US
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20150104779 | FURNITURE OBJECTS INCLUDING WRITABLE ELEMENTS - A furniture object includes a writable element. The writable element is configured to provide for nonpermanent markings. The writable element is integral to the structure and/or the functionality of the furniture object. | 04-16-2015 |
Tamara Kingston, Charlotte, NC US
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20120330831 | OFFSETTING FUTURE ACCOUNT DISCREPANCY ASSESSMENTS - In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future account discrepancy assessments, where the one or more payments are associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an account discrepancy as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an account discrepancy assessment associated with the account discrepancy; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient. | 12-27-2012 |
Tamara S. Kingston, Peoria, AZ US
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20080301015 | Visual Cues for Identifying Financial Accounts - Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like. | 12-04-2008 |
20100114731 | ELECTRONIC WALLET ("eWallet") - A method according to the invention may preferably include displaying on a computer display a menu bar that includes an online shopping enhancement icon. The method may further include receiving a selection of the icon. The method may also include, in response to receiving a selection of the icon, displaying an online shopping enhancement dialogue box including a selectable option for displaying user bank account information. | 05-06-2010 |
20120061464 | OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the overage swipe information. | 03-15-2012 |
20120066077 | OVERAGE SERVICE VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 03-15-2012 |
20120066078 | OVERAGE SERVICE USING OVERAGE PASSCODE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service using an overage passcode. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving an overage passcode associated with the account; and (d) authorizing the transaction based at least partially on the receiving the overage passcode. | 03-15-2012 |
20120066126 | OVERAGE SERVICE VIA TRANSACTION MACHINE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 03-15-2012 |
20120066127 | OVERAGE SERVICE SUBJECT TO CONDITION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: (a) receiving, from a holder of an account, consent to a future overage, where the future overage is a result of a future overage transaction involving the account, and where the consent is valid only if a predetermined condition is met; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction was initiated after the receiving the consent; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the predetermined condition is met and/or that the holder's consent is valid for the transaction; and (e) authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met. | 03-15-2012 |
20120185389 | OFFSETTING FUTURE OVERAGE FEES - In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future overage fees. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future overage fees, where the one or more payments are associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an overage fee associated with the overage; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient. | 07-19-2012 |
20130041821 | FRAUD MESSAGING SERVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a fraud messaging service. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, and where the account is held by an account holder; (b) determining, based at least partially on the transaction information, that the transaction has triggered a fraud rule; (c) prompting, via a mobile device, the holder to consent to the transaction, where the mobile device is associated with the holder, and where the prompting the holder is based at least partially on the determining that the transaction has triggered the fraud rule; (d) receiving the holder's consent to the transaction; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 02-14-2013 |
20130212021 | AMOUNT-EXCEEDING-CREDIT-THRESHOLD SERVICE SUBJECT TO CONDITION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an amount-exceeding-credit-threshold service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: determining that an account will exceed a credit threshold associated with the account as a result of a transaction, determining that a predetermined condition is met and/or that the consent of the holder of the account is valid for the transaction, and authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met. | 08-15-2013 |
20130212023 | OFFSETTING FUTURE EXCEEDED ACCOUNT THRESHOLD PAYMENTS - In general terms, embodiments of the present invention relate to methods and apparatuses for offsetting future exceeded account threshold payments. In some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future exceeded account threshold payments associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient. | 08-15-2013 |
20130214042 | EXCEEDED ACCOUNT THRESHOLD SERVICE INVOLVING EXCEEDED ACCOUNT THRESHOLD MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information. | 08-22-2013 |
20130218694 | SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA TRANSACTION MACHINE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 08-22-2013 |
20130218697 | SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 08-22-2013 |
20130218777 | SERVICE FOR ACCOUNT WITH UNAVAILABLE FUNDS OR CREDIT USING A PASSCODE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit. | 08-22-2013 |
20140074701 | PHYSICAL-VIRTUAL GIFTING VIA ONLINE BILLPAY - Apparatus and methods for improving online billpay are provided. In some embodiments, the apparatus and methods may receive an attachment from a donor. The attachment may be submitted by the donor for inclusion in a gratuitous transfer of funds to a beneficiary. The transfer of funds may be tagged using an electronic marker. The tag may include a set of predefined parameters. The tag may restrict the use of funds according to a set of predefined parameters. The gratuitous transfer of funds may be electronically transmitted. The transfer may be confirmed by an electronic notification. | 03-13-2014 |
20140164222 | Impulse Savings Using Savings Memoranda - A method includes receiving a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal. The method further includes generating a savings memorandum associated with the savings goal that is stored in association with the savings goal and displaying the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum. The method further includes initiating the transfer of the amount of money from a first account of the user to a second account of the user in response to a user selection to accept the savings memorandum, the second account being associated with the savings goal. | 06-12-2014 |
20140188704 | ALLOWING A CUSTOMER TO OBTAIN A NEW CARD NUMBER USING A MOBILE INTERFACE - A system provides a new card number to a customer by receiving a customer request for a new card number and electronically transmitting the new card number to a mobile device associated with the customer. In some cases, the system initiates creation of a physical card corresponding to the electronically transmitted new card number; and initiates shipping of the created physical card to a physical address associated with the customer. In some cases, the new card number is electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. The request may include a customer request for a new card number associated with a new account, and the system determines that the customer has been pre-approved for a new account, initiates opening of the new account and initiates creation of a physical card corresponding to the electronically transmitted new card number and the new account. | 07-03-2014 |
20140188718 | PUSHING A NEW CARD NUMBER USING A MOBILE INTERFACE - A system provides a new card number to a customer by determining that a compromise of customer information has occurred, and, in response to determining that the compromise has occurred, electronically transmit the new card number to a mobile device of the customer. The system may initiate creation of a physical card corresponding to the electronically transmitted new card number; and initiate shipping of the created physical card to a physical address of the customer. The new card number may be electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. In response to determining that the compromise has occurred, the system may cancel a current card of the customer and transmit a message to the customer indicating the current card has been cancelled and indicating the new card has been transmitted or inquiring whether the customer wants the new card to be transmitted. | 07-03-2014 |
20140358799 | ALERT PACKAGING AND BUNDLE SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing alert packages. An exemplary apparatus is configured to: provide a user with an option to enroll into an alert packaging service; receive the users acceptance of enrollment in the alert packaging service, wherein enrollment in the alert packaging service comprises the user agreeing to receive one or more alert packages; receive user information associated with the user's account; and bundle one or more alerts into an alert package based at least partially on the received user information. | 12-04-2014 |
William Russell Kingston, Chino Hills, CA US
Patent application number | Description | Published |
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