The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 29, 2022
Filed:
Dec. 15, 2005
Ned Hoffman, Sebastopol, CA (US);
Ned Hoffman, Sebastopol, CA (US);
EDGE MOBILE PAYMENTS LLC, Santa Cruz, CA (US);
Abstract
A method and a system for conducting financial transactions that include a user selecting from a plurality of proprietary financial accounts to authorize processing of a real-time, on-line electronic financial transaction using only one universal financial token and a remotely located rule-module clearinghouse. The universal financial token is a portable wireless proximity token for universal financial account access having dedicated short range contactless communications capabilities and is encoded with a user's unique user code. The rule-module clearinghouse contains at least one rule-module registered to a user which includes at least one pattern data of a user associated with at least one execution command of the user.