Tuders
John Tuders, Charlotte, NC US
Patent application number | Description | Published |
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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 |
John F. Tuders, Charlotte, NC US
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20130018779 | ALIAS-BASED MERCHANT TRANSACTION SYSTEM - A system and method for using an alias to conduct financial transactions at a merchant is provided. The system and method allows a user to provide an alias identifying the user or a business in order to conduct transactions without needing to know or provide actual account numbers. Aliases are associated with users and businesses and can be linked to financial accounts of the user and business. When the method determines that the user is attempting to conduct a transaction using the alias, the method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether pre-determined rules are complied with and provide confirmation to the user that the transaction has completed. | 01-17-2013 |
John Franklin Tuders, Charlotte, NC US
Patent application number | Description | Published |
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20130173743 | MOBILE DEVICE DATA MANAGEMENT - Embodiments of the invention include systems, methods, and computer-program products that assist a user in managing data on a mobile device. In one embodiment of the invention, the computer-implemented method receives data associated with a mobile device and stores the data in a database. The computer-implemented method then periodically updates the data in the database until the user desires to load the data onto the mobile device or onto a new mobile device. At the user's request, the computer-implemented method loads the data onto the mobile device. In some embodiments, the computer-implemented method determines the operating system of the mobile device and assists the user in conveniently transferring data from one mobile device to another mobile device. In further embodiments, the computer-implemented method augments the data with publicly or privately available information. | 07-04-2013 |