Company Filing History:
3 out of 90 
1 out of 52 
1 out of 35 Years Active: 2012-2022
Title: Ramiro Munoz: Innovator in Value Exchange Technologies
Introduction
Ramiro Munoz is a notable inventor based in Santa Monica, California. He has made significant contributions to the field of financial technology, particularly in the area of value exchange systems. With a total of five patents to his name, Munoz has demonstrated a commitment to innovation and advancement in financial transactions.
Latest Patents
One of Munoz's latest patents is titled "System, method and apparatus for value exchange utilizing value-storing applications." This invention discloses a system that employs a smart card for exchanging value in financial transactions. The smart card features both a contact interface and a contactless interface, which interact 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 holds general value. Both types of value are compatible within the system, allowing for efficient performance and settlement of financial transactions. The invention also includes functionalities such as auto-load for adding value to the smart card and applications for transportation and loyalty programs.
Career Highlights
Throughout his career, Ramiro Munoz has worked with prominent organizations, including Citicorp Development Center, Inc. and Citicorp Credit Services, Inc. His experience in these companies has equipped him with the knowledge and skills necessary to innovate in the financial technology sector.
Collaborations
Munoz has collaborated with notable professionals in his field, including Mark Kogen and Joseph C. Kawan. These collaborations have likely contributed to the development and refinement of his innovative ideas.
Conclusion
Ramiro Munoz is a distinguished inventor whose work in value exchange technologies has the potential to transform financial transactions. His patents reflect a deep understanding of the complexities involved in modern financial systems. Munoz's contributions continue to pave the way for advancements in the industry.