Ramiro R Munoz

US Patent:

8108307, Jan 31, 2012

Filed:

Mar 26, 1999

Appl. No.:

09/276823

Inventors:

Joseph C. Kawan - Hollywood CA, US
Ramiro Munoz - Santa Monica CA, US
Mark Kogen - Lawndale CA, US

Assignee:

Citicorp Development Center, Inc. - Los Angeles CA

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.

US Patent:

8498898, Jul 30, 2013

Filed:

Mar 16, 2000

Appl. No.:

09/526876

Inventors:

Mark F. Kogen - Lawndale CA, US
Ramiro Munoz - Santa Monica CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06Q 30/00
G06Q 30/02

US Classification:

705 143, 705 141, 705 1417, 705 1423, 705 1428, 705 1433, 705 1438, 705 1439

Abstract:

A system and method that allows a group of organizations, e. g. a group of transit agencies, to provide their users with a stored value smart card payment method that rewards them for actual use. The system and method include a card interface device and a smart card for storing respective reward applications, wherein the card interface device reward application retrieves transaction and reward data from the smart card and processes the data within the card interface device in order to determine a transaction reward.

US Patent:

8498902, Jul 30, 2013

Filed:

Apr 26, 2000

Appl. No.:

09/558569

Inventors:

Mark F. Kogen - Lawndale CA, US
Ramiro M. Munoz - Santa Monica CA, US

Assignee:

Citicorp Development Center, Inc. - Blue Ash OH

International Classification:

G06Q 20/00
G06Q 20/20

US Classification:

705 17, 705 39, 705 40

Abstract:

A method and system for the clearing and settlement of funds among a plurality of participants facilitates the integration of a “closed” special purpose industry sector, such as the transit industry, within an open financial payment system. A method for clearing and settling funds among a plurality of participants comprises receiving data relating to transactions from the plurality of participants, organizing the data into groups associated with each of the plurality of participants, summing the data in the groups to determine a total funds due to and from each of the plurality of participants, and settling the difference among the plurality of participants by transferring funds to the participants owed funds and collecting funds from the participants who owe funds.

US Patent:

6517037, Feb 11, 2003

Filed:

Mar 30, 2001

Appl. No.:

09/822403

Inventors:

Ramiro A. Munoz - Orange CA 92869

International Classification:

F16M 1100

US Classification:

2481762, 2483091

Abstract:

A stove-top pan holding apparatus for providing safer conditions around stoves for children. The stove-top pan holding apparatus includes a pan holder support member being adapted to securely fastened to a stove; and also includes a pan holder being adjustably fastened to the pan holder support member for holding a handle of a pan upon the stove; and further includes fastening members for fastening the pan holder to the pan holder support member.