This inventor holds 7 USPTO granted patents and 1 published patent application. Top assignees: Paypal, Inc., Ebay, Incorporated. Active years: 2011-2019.
Location History:
- Menlo Park, CA (US) (2011 - 2014)
- Palo Alto, CA (US) (2011 - 2019)
Company Filing History:
Years Active: 2011-2019
Title: Innovations by Denise Aptekar
Introduction
Denise Aptekar is a notable inventor based in Palo Alto, CA (US). She has made significant contributions to the field of electronic transactions, holding a total of 7 patents. Her work focuses on enhancing the efficiency and security of fund transfers, which has had a considerable impact on the financial technology sector.
Latest Patents
One of her latest patents is titled "Instant availability of electronically transferred funds." This invention provides a system and method for making the proceeds of a transaction available to a user before the transaction is completed. The system can be integrated into both online platforms and traditional merchant setups to facilitate payments or fund transfers. In this patent, a request from a first entity to conduct a transaction involving a first value is received. The funds for the transaction are released prior to the transaction clearing a financial institution. If the transaction is rejected by the financial institution, a portion of the first value is charged against a credit source. Another patent under the same title also addresses the instant availability of funds, where a risk score is computed to assess the perceived risk of releasing funds before the funding entry clears. If the risk score exceeds a certain threshold, the funds are released accordingly.
Career Highlights
Denise has worked with prominent companies such as PayPal, Inc. and eBay Incorporated. Her experience in these organizations has allowed her to develop innovative solutions that streamline electronic transactions and improve user experience.
Collaborations
Denise has collaborated with talented individuals in her field, including Kyle Hansen and Maria Lee. These partnerships have contributed to her success and the advancement of her inventions.
Conclusion
Denise Aptekar's contributions to the field of electronic transactions through her patents and collaborations have made her a significant figure in the innovation landscape. Her work continues to influence the way funds are transferred electronically, paving the way for future advancements in financial technology.