Albert I Talker

US Patent:

20140058792, Feb 27, 2014

Filed:

Nov 6, 2013

Appl. No.:

14/073825

Inventors:

Albert Talker - East Stroudsburg PA, US

International Classification:

G06Q 30/02

US Classification:

705 729

Abstract:

A system and a method for electronic commerce allowing consumers to centrally receive and send electronic data from multiple merchants. The system includes a central server having software which gathers the electronic data including emails and event notifications from member merchants directed to consumers accounts who maintain and register accounts on a centralized server. The system provides a web-based browser interface through which the consumer is able to view and edit the information in the database, to exert control over what information is made available to each merchant, and to view emails and event notifications directed to the consumer's account on the server.

US Patent:

20150120536, Apr 30, 2015

Filed:

Oct 31, 2014

Appl. No.:

14/530685

Inventors:

Albert Talker - San Francisco CA, US

International Classification:

G06Q 20/36
G06Q 20/38

US Classification:

705 39

Abstract:

The invention relates to electronic currency transactions, facilitated by electronic equivalents of checks and credit/debit cards. The electronic equivalents are encrypted tokens, which are data units suitable for storage in and transfer between participants' data storage devices. The invention provides an electronic payment system having Check- and Card-Issuing Authorities that are coupled to a token-generating server. Electronic checks and credit/debit cards, backed by correspondent Check- and Card-Issuing Authorities, are generated and issued to subscribing customers as issuance tokens. A plurality of token-generating devices are used by participants to generate payment tokens authorized by the issuance tokens, and to perform electronic check and card transactions by exchanging tokens with other participants and participating Financial Institutions. The invention provides methods for authentication and verification of the token data, for maintaining the integrity of the system, and for detecting and preventing counterfeiting and tampering within the system.

US Patent:

20140337206, Nov 13, 2014

Filed:

May 10, 2013

Appl. No.:

13/891920

Inventors:

Albert Talker - East Stroudsburg PA, US

International Classification:

G06Q 20/06

US Classification:

705 41

Abstract:

An electronic currency system having Currency Issuing Authorities that are coupled to a money generator device for generating and issuing to subscribing customers electronic currency backed by correspondent Currency Issuing Authorities and participating Financial Institutions that accept and distribute the electronic money; a plurality of devices that are used by subscribers for storing electronic money and for performing money transactions with other participants and participating Currency Issuing Authorities and Authorized Financial Institutions, for exchanging electronic money with other like transactions; and verification arrangement for maintaining the integrity of the system, and for detecting counterfeiting and tampering within the system. The electronic currency consists of data in a form suitable to be stored in a participant's data storage medium, comprising information on the currency value, authentication values, certificate chain, and identification of the participants' devices.