Thomas Edward Whitford

US Patent:

20080272188, Nov 6, 2008

Filed:

May 2, 2007

Appl. No.:

11/799667

Inventors:

Thomas H. Keithley - Monkton MD, US
Thomas E. Whitford - Newark DE, US

Assignee:

I4 Commerce Inc. - Timonium MD

International Classification:

G06Q 40/00

US Classification:

235379, 705 35

Abstract:

A distributed system for commerce including a merchant system with a communication system for receiving, processing and transmitting data. The system further includes an intermediate server system in communication with the merchant system, and this intermediate server system includes a data storage system for storing data transmitted thereto, as well as a communication system for receiving, processing and transmitting data.

US Patent:

20090037290, Feb 5, 2009

Filed:

Oct 14, 2008

Appl. No.:

12/250978

Inventors:

Thomas H. Keithley - Monkton MD, US
Thomas E. Whitford - Newark DE, US

Assignee:

Bill Me Later, Inc. - Timonium PA

International Classification:

G06Q 10/00
G06Q 30/00

US Classification:

705 26, 705 30

Abstract:

A distributed system for commerce including a merchant system with a communication system for receiving, processing and transmitting data. The system further includes an intermediate server system in communication with the merchant system, and this intermediate server system includes a data storage system for storing data transmitted thereto, as well as a communication system for receiving, processing and transmitting data.

US Patent:

20090319387, Dec 24, 2009

Filed:

Jun 19, 2008

Appl. No.:

12/142329

Inventors:

Thomas H. Keithley - Monkton MD, US
Thomas E. Whitford - Newark DE, US

Assignee:

BILL ME LATER, INC. - Timonium MD

International Classification:

G06Q 30/00
G06Q 20/00
G06Q 10/00

US Classification:

705 26

Abstract:

A computer-implemented method of engaging in a transaction between a merchant and a business entity. The method includes: initiating a transaction by the business entity with a merchant; obtaining, by the merchant, a business entity data set including at least one data field; communicating an authorization request from the merchant to a provider, the request including at least one data field from the business entity data set and at least one field from a transaction data set; establishing a credit-based relationship between the provider and the business entity; communicating an authorization response from the provider to at least one of the merchant and the business entity; and engaging in the transaction between the provider and the business entity based at least in part upon the established credit-based relationship. A system and apparatus are also disclosed.

US Patent:

20100063874, Mar 11, 2010

Filed:

Nov 17, 2009

Appl. No.:

12/620391

Inventors:

Thomas H. Keithley - Monkton MD, US
Mark L. Lavelle - Cockeysville MD, US
Vincent W. Talbert - Cockeysville MD, US
Thomas Whitford - Newark DE, US

Assignee:

eBay Inc - San Jose CA

International Classification:

G06Q 30/00
G06Q 20/00

US Classification:

705 1417, 705 1425, 705 1423

Abstract:

Various methods and systems are provided to facilitate on-line transactions through the issuance of incentives based on a current transaction between a merchant and consumer. A payment provider determines a suitable incentive for the consumer during the transaction and may also use data about the consumer from previous transactions. The incentive is provided, such as on the merchant website, so that the consumer can use it during the transaction for a highly likelihood of increasing the purchase.

US Patent:

20120166311, Jun 28, 2012

Filed:

Dec 23, 2011

Appl. No.:

13/336929

Inventors:

John Dwight - Santa Clara CA, US
Gregory Lisiewski - Forest Hill CA, US
Michael Wu - Mountain View CA, US
Thomas Whitford - Newark DE, US
Parijat Sinha - San Jose CA, US
Darrell Esch - San Jose CA, US
Carolyn Groobey - Annapolis MD, US
Brian Biglin - Lutherville MD, US
Sanjeev Kriplani - Mountian View CA, US
Sofya Pogreb - Palo Alto CA, US
Gregg Zigler - San Jose CA, US

Assignee:

EBAY, INC. - San Jose CA

International Classification:

G06Q 30/06

US Classification:

705 2643, 705 2641

Abstract:

A user is able to change one or more payment options after payment has already been made to a merchant. A payment provider processes a payment request during a transaction with the merchant with default or selected payment options. After the transaction with the merchant is completed and the merchant has been paid, the user may change one or more of the payment options, such as funding source(s) and terms/conditions of payment (e.g., deferment period, installment period/amount, etc.). During the transaction, the user may make a purchase through the payment provider even if the user does not have an account with the payment provider by providing user information, such as name, address, phone number, email address, and date of birth, but not a social security number or funding source information.

US Patent:

59959487, Nov 30, 1999

Filed:

Nov 21, 1997

Appl. No.:

8/975685

Inventors:

Thomas E. Whitford - Newark DE
Ashit AtulKumar Dave - Newark DE
David A. Rosenblatt - Bear DE
Margaret J. Stapleton - Newark DE

Assignee:

First USA Bank, N.A. - Wilmington DE

International Classification:

G06F 1760

US Classification:

705 41

Abstract:

The present invention is a process that includes a graphical user interface, a client-server design and computer telephony integration to enhance the quality and productivity while reducing training in the correspondence and chargeback operations. The process uses a data index component of a scanned or computer-output image to automate interaction with an intelligent workstation used by a customer service representative. The system uses business rules and accesses other data to provide rapid and high quality disposition of cases. The image document can be resolved with minimum or no human interaction.

US Patent:

20220351212, Nov 3, 2022

Filed:

Apr 21, 2022

Appl. No.:

17/725954

Inventors:

- New York NY, US
Thomas E. Whitford - Newark DE, US
Tom Gunnar Sjoberg - New York NY, US
Raphael Shorser - Oakland CA, US
Anukrati Bhandari - Jersey City NJ, US

International Classification:

G06Q 20/40
G06F 21/33
G06F 21/57

Abstract:

A system and method are disclosed for determining when to update and updating dynamic security codes. A user's payment information (e.g., credit card information) includes a dynamic security code that may be updated after a threshold amount of time passes or after successful transactions made using the dynamic security code. The time at which an update is made may be used to generate the updated dynamic security code. A user may specify a dynamic security code associated with the user's payment information (e.g., credit card information) while requesting a transaction be made with the user's credit card. A record of previously generated dynamic security codes is maintained. The transaction may be authorized based on whether the user-specified dynamic security code matches any of the current or previously generated dynamic security codes.

US Patent:

20200058062, Feb 20, 2020

Filed:

Sep 24, 2019

Appl. No.:

16/580090

Inventors:

- San Jose CA, US
Thomas E. Whitford - Newark DE, US

International Classification:

G06Q 30/06
G06Q 20/12

Abstract:

A computer-implemented method of engaging in a transaction between a merchant and a business entity. The method includes: initiating a transaction by the business entity with a merchant; obtaining, by the merchant, a business entity data set including at least one data field; communicating an authorization request from the merchant to a provider, the request including at least one data field from the business entity data set and at least one field from a transaction data set; establishing a credit-based relationship between the provider and the business entity; communicating an authorization response from the provider to at least one of the merchant and the business entity; and engaging in the transaction between the provider and the business entity based at least in part upon the established credit-based relationship. A system and apparatus are also disclosed.