Jennifer Reese Truitt

US Patent:

7054430, May 30, 2006

Filed:

Aug 20, 2002

Appl. No.:

10/225098

Inventors:

Joe M. Lynam - Cupertino CA, US
Ken R. Dawson - Pleasanton CA, US
M. Brendan Philbin - San Jose CA, US
Jennifer R. Truitt - Campbell CA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

H04M 7/00
H04M 15/00

US Classification:

37922001, 37911425

Abstract:

A method is described of providing validation data associated with a subscriber line of a telecommunication network using a validation system. The method includes obtaining line data of the subscriber line wherein the line data is suitable for interrogating a line identification database (LIDB). The method interrogates the LIDB with the line data to obtain reference subscriber data associated with the line data, and processes the reference subscriber data to obtain validation data associated with the subscriber line. The method includes identifying a local exchange carrier (LEC) associated with the subscriber line to determine if a billing arrangement exists between the validation system and the LEC. The invention extends to a subscriber line validation system to validate a subscriber line of a communication network.

US Patent:

7080049, Jul 18, 2006

Filed:

Sep 21, 2001

Appl. No.:

09/962043

Inventors:

Jennifer R. Truitt - Campbell CA, US
M. Brendan Philbin - San Jose CA, US
Joseph M. Lynam - Cupertino CA, US
Ken R. Dawson - Pleasanton CA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

G06F 153/00

US Classification:

705 75, 705 26, 705 50, 705 64, 713185, 713186, 380 30, 380 46

Abstract:

A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated with a communication line via which an electronic terminal is connected to a communication network. The communication line is typically a subscriber line and, accordingly, the account is a telephone account associated with the subscriber line. When a user transacts with a vendor for goods and/or services, the user may request to process payment using the telephone account instead of using a credit or debit card. The method includes investigating data using the telephone number associated with the subscriber line and, selectively approving the transaction dependent upon an outcome of the investigation. The invention extends to a transaction processor interface and to and a transaction validation module. The invention also extends to computer program products including the invention.

US Patent:

7527194, May 5, 2009

Filed:

Apr 4, 2005

Appl. No.:

11/098666

Inventors:

Jennifer R. Truitt - Campbell CA, US
M. Brendan Philbin - San Jose CA, US
Joseph M. Lynam - Cupertino CA, US
Ken R. Dawson - Pleasanton CA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

G06Q 40/00
G06K 5/00

US Classification:

235380, 235379

Abstract:

A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated with a communication line via which an electronic terminal is connected to a communication network. The communication line is typically a subscriber line and, accordingly, the account is a telephone account associated with the subscriber line. When a user transacts with a vendor for goods and/or services, the user may request to process payment using the telephone account instead of using a credit or debit card. The method includes investigating data using the telephone number associated with the subscriber line and, selectively approving the transaction dependent upon an outcome of the investigation. The invention extends to a transaction processor interface and to and a transaction validation module. The invention also extends to computer program products including the invention.

US Patent:

7848500, Dec 7, 2010

Filed:

Aug 9, 2007

Appl. No.:

11/836603

Inventors:

Joe M. Lynam - Cupertino CA, US
Ken R. Dawson - Pleasanton CA, US
M. Brendan Philbin - San Jose CA, US
Jennifer R. Truitt - Campbell CA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

H04M 15/00

US Classification:

37912701, 37912702, 37912704, 37912705

Abstract:

A method is described to verify the identity of a user. The method, in one example embodiment, comprises obtaining automatic number identification (ANI) data or billing telephone number (BTN) data associated with a subscriber line of a telecommunications network; obtaining identification data associated with a subscriber, said identification data being different from the ANI data or the BTN data;.

US Patent:

7848504, Dec 7, 2010

Filed:

Apr 6, 2006

Appl. No.:

11/400737

Inventors:

Joseph M Lynam - Cupertino CA, US
Ken R. Dawson - Pleasanton CA, US
M. Brendan Philbin - San Jose CA, US
Jennifer Truitt - Campbell CA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

H04M 3/42
H04M 1/56
H04M 15/06

US Classification:

37920713, 37914201, 37914204, 37914205, 37914206, 37920715

Abstract:

A method is described of providing validation data associated with a subscriber line of a telecommunication network using a validation system. The method includes obtaining line data of the subscriber line wherein the line data is suitable for interrogating a line identification database (LIDB). The method interrogates the LIDB with the line data to obtain reference subscriber data associated with the line data, and processes the reference subscriber data to obtain validation data associated with the subscriber line. The method includes identifying a local exchange carrier (LEC) associated with the subscriber line to determine if a billing arrangement exists between the validation system and the LEC. The invention extends to a subscriber line validation system to validate a subscriber line of a communication network.

US Patent:

8239325, Aug 7, 2012

Filed:

Jan 18, 2007

Appl. No.:

11/655647

Inventors:

Michael A. Schwarz - Thousand Oaks CA, US
Gregory M. Calcagno - San Jose CA, US
Mark E. Snycerski - San Jose CA, US
Joseph M Lynam - Cupertino CA, US
Jennifer R. Truitt - Campbell CA, US
Brad S. Singer - Sudbury MA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

G06Q 40/00

US Classification:

705 44, 705 35, 705 39, 705 50, 705 64, 705 72, 705 75, 705 78

Abstract:

A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.

US Patent:

8379815, Feb 19, 2013

Filed:

Nov 1, 2010

Appl. No.:

12/916891

Inventors:

Joseph M. Lynam - Cupertino CA, US
Ken R. Dawson - Pleasanton CA, US
M. Brendan Philbin - Morgan Hill CA, US
Jennifer R. Truitt - Campbell CA, US

Assignee:

PaymentOne Corporation - San Jose CA

International Classification:

H04M 15/00

US Classification:

37912701, 37912702, 37912704, 37912705

Abstract:

The computer-implemented method includes receiving a first request via the Internet for a first transaction between a user and a vendor for goods or services. A billing telephone number of the user is then obtained, and the first transaction automatically charged to a subscriber account associated with the billing telephone number. Sometime later, a second request is received via the Internet for a second transaction between the user and a vendor for goods or services. If the second transaction cannot be billed to the subscriber account, an alternative payment method is automatically used.

US Patent:

20020120756, Aug 29, 2002

Filed:

Nov 5, 2001

Appl. No.:

09/993648

Inventors:

Joe Lynam - Cupertino CA, US
Ken Dawson - Pleasanton CA, US
Brendan Philbin - San Jose CA, US
Greg Calcagno - San Jose CA, US
Jennifer Truitt - Campbell CA, US

International Classification:

G06F015/16

US Classification:

709/229000, 709/227000

Abstract:

A system and method for accessing the Internet on a per-time basis, through an Internet service provider (ISP), includes an access station. Application software is provided to an electronic terminal, from which Internet access may be attempted. Upon initiation of the application, the access station is dialed, and a number of processing steps serve as a precondition to permitting the electronic terminal to access the Internet through the Internet service provider. In particular, upon an initial attempt to access the Internet, the access station sets up an account in which the telephone number from which access is attempted is utilized for subsequent billing purposes. The access station further determines whether the telephone number from which access is desired is-within an acceptable network, is associated with an undesirable credit risk, and is a valid telephone number. In the event the electronic terminal passes these validation procedures, the access station transmits account information to the electronic terminal and directly to the Internet service provider. Additionally, the access station transmits an ISP identifier (such as a modem telephone number) whereupon the electronic terminal initiates a communications link with the Internet service provider. Once the link with the Internet service provider is established, the electronic terminal transmits the established account information to the Internet service provider, whereupon the Internet service provider compares the transmitted account information with account information received from the access station. Then Internet access is granted. The Internet service provider monitors the time associated with Internet access and transmits that time information to the access station. The access station uses that time information, applies a corresponding charge, and associates the resulting charges with an account associated with the telephone number from which access is desired, such as by placing the Internet access charges directly on an invoice associated with usage of the telephone line associated with the telephone number from which access is achieved.