Ramiro A 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:

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.