Peter Ho

Title: Innovations by Peter Ho: Pioneering Payment Solutions

Introduction

Peter Ho, an innovative inventor based in Walnut Creek, CA, has made significant contributions to the field of payment technology, holding an impressive portfolio of 40 patents. His works focus on enhancing transaction processes through novel methods, making payments more efficient and user-friendly.

Latest Patents

One of Peter’s latest patents details a method of payment using rewards points. This method allows customers to authenticate their identity via a mobile device and an authentication device through short-range wireless communication. The mobile device retrieves the customer's authentication data from the device and facilitates a seamless payment experience by displaying a user-friendly graphical interface. Customers can then select their payment options based on the authenticated data.

Another notable patent involves systems and methods for data exchange using payment cards with universal reference numbers. In this system, a merchant computing setup receives a universal reference number from a customer during a transaction. It then retrieves associated customer information from a database and processes the transaction effectively, streamlining the purchasing process.

Career Highlights

Peter works at Wells Fargo Bank, N.A., where he continues to innovate and improve financial transaction technologies. His experience in the banking sector allows him to align his inventions with real-world applications, enhancing customer experiences and operational efficiencies.

Collaborations

Throughout his career, Peter has collaborated with talented professionals, including Brian Michael Pearce and Steven E. Puffer. These partnerships have fostered a creative environment conducive to developing groundbreaking inventions in the financial technology space.

Conclusion

Peter Ho stands out as a prolific inventor whose work significantly impacts payment technologies. His latest innovations in payment systems not only showcase his technical expertise but also his commitment to enhancing consumer experiences in financial transactions. With 40 patents to his name, Peter continues to push the boundaries of innovation in the banking sector.