Sameer Mandke

US Patent:

20060277412, Dec 7, 2006

Filed:

May 22, 2006

Appl. No.:

11/419715

Inventors:

Sameer Mandke - Katy TX, US

International Classification:

H04K 1/00

US Classification:

713186000

Abstract:

The present disclosure describes a method and system for secure payer identity authentication. Some illustrative embodiments include a method that includes determining which of a plurality of real-time biometric data sample types can be provided by a holder of a payment instrument, randomly selecting a first stored biometric data sample from a plurality of stored biometric data samples, soliciting a first real-time biometric data sample from the holder corresponding to the first stored biometric data sample, and authenticating the identity of the holder if the first realtime biometric data sample matches the first stored biometric data sample.

US Patent:

20090182634, Jul 16, 2009

Filed:

Jan 12, 2009

Appl. No.:

12/352598

Inventors:

David S. Park - Houston TX, US
Sameer Mandke - Katy TX, US

International Classification:

G06Q 20/00
G06Q 30/00
H04W 4/00

US Classification:

705 14, 705 17, 4554141

Abstract:

Disclosed is a method and system for use of an image-based payment medium through images stored on the consumer's mobile phone in place of traditional plastic gift, credit or debit cards. Upon authentication, an image is sent to the consumer's mobile phone. The consumer displays the image at the retailer's point of sale when completing a transaction. The image is scanned with a barcode reader, a webcam or other scanning device and the consumer's account in a database is debited or credited based on the amount and type of transaction. An image-base payment medium provides for the ability to target specific ads to the consumer, directed to the registered mobile phone number and also to attach loyalty and coupon programs to the account, which the recipient may redeem upon scanning of the encoded image on the mobile phone at the point of sale. The system and method is suitable for “virtual” gift cards, credit and debit cards, loyalty payment programs and other methods of value exchange.

US Patent:

20130254032, Sep 26, 2013

Filed:

Jul 19, 2012

Appl. No.:

13/553289

Inventors:

Sameer Mandke - Katy TX, US
David S. Park - Houston TX, US

International Classification:

G06Q 20/20

US Classification:

705 1455

Abstract:

Disclosed is a method for use of an image-based payment medium through images stored on the consumer's mobile phone in place of traditional plastic gift, credit or debit cards. Upon authentication, an image is sent to the consumer's mobile phone. The consumer displays the image at the retailer's point of sale when completing a transaction. The image is scanned with a barcode reader, a webcam or other scanning device and the consumer's account in a database is debited or credited based on the amount and type of transaction. An image-base payment medium provides for the ability to target specific ads to the consumer, directed to the registered mobile phone number and also to attach loyalty and coupon programs to the account, which the recipient may redeem upon scanning of the encoded image on the mobile phone at the point of sale.