Kyle L Cochran

US Patent:

8121945, Feb 21, 2012

Filed:

Jul 6, 2006

Appl. No.:

11/428879

Inventors:

Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

Firethorn Mobile, Inc. - Atlanta GA

International Classification:

G06Q 40/00
G06K 5/00

US Classification:

705 40, 235380

Abstract:

Methods and systems for receiving a financial payment facilitated by use of a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user/payee, and also is coupled for electronic communication with a payment instruction recipient that effects payments by various methods. The system provides information corresponding to a received payment to a user/payee's mobile device. Information is displayed to the user/payee corresponding to a plurality of selectable payment methods available for receiving the payment. The user/payee provides input on his/her mobile device corresponding to selection of a payment method for receiving the payment. The mobile device generates a mobile payment instruction indicating the selected payment method and wirelessly communicates the mobile payment instruction to the MFTS. The MFTS generates and communicates an MFTS payment instruction including an amount, the identified payee, and the selected payment method, to a payment instruction recipient.

US Patent:

8145568, Mar 27, 2012

Filed:

Jul 6, 2006

Appl. No.:

11/428876

Inventors:

Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

Firethorn Mobile, Inc. - Atlanta GA

International Classification:

G06Q 40/00
G06K 5/00

US Classification:

705 40, 235380

Abstract:

Methods and systems for indicating a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communications with one or more payment instruction recipients that can make a payment to a payee in behalf of the user. The mobile device allows for selection of a pre-existing payee or entry of payee information. The user provides input at the mobile device selecting a payee for a payment and a payment source for the payment. A mobile payment instruction comprising information corresponding to the payment to make and a payment source for the payment is wirelessly communicated to the MFTS. The MFTS generates and communicates an MFTS payment instruction to a payment instruction recipient which includes information identifying a selected account at a financial service provider, an amount, and information corresponding to the identified payee. The payment instruction recipient then effects the payment to the identified payee.

US Patent:

8160959, Apr 17, 2012

Filed:

Jul 6, 2006

Appl. No.:

11/428857

Inventors:

Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

Firethorn Mobile, Inc. - Atlanta GA

International Classification:

G06Q 40/00
G06K 5/00

US Classification:

705 39, 235380

Abstract:

Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee.

US Patent:

8467766, Jun 18, 2013

Filed:

Jul 6, 2006

Appl. No.:

11/428866

Inventors:

Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

QUALCOMM Incorporated - San Diego CA

International Classification:

H04K 1/00

US Classification:

455406, 705 42

Abstract:

Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction that includes an amount, information corresponding to the identified payee, and information indicating the selected payment source.

US Patent:

8489067, Jul 16, 2013

Filed:

Jul 6, 2006

Appl. No.:

11/428874

Inventors:

Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

QUALCOMM Incorporated - San Diego CA

International Classification:

G06Q 20/00

US Classification:

455406, 455407

Abstract:

Methods and systems for distributing a mobile device application for use in making and receiving payments utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A downloadable mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices. The downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a payment is made to a payee having a mobile device, system communicates a message to the payee's mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application. If the mobile device user/payee downloads and installs the mobile device application on his or her mobile device and provides enrollment information, interaction between the MFTS and the mobile device user/payee is permitted, and payment is provided to the mobile device user as user/payee.

US Patent:

20080006685, Jan 10, 2008

Filed:

Jul 6, 2006

Appl. No.:

11/428870

Inventors:

Brady Lee Rackley III - Atlanta GA, US
Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

FIRETHORN HOLDINGS, LLC - Atlanta GA

International Classification:

G07F 19/00
G06Q 40/00

US Classification:

235379, 705 35, 705 39

Abstract:

Methods and systems for obtaining real time account balance information for a plurality of financial accounts maintained at one or more financial service providers utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communication with one or more financial service providers with which the user maintains one or more accounts. The mobile device stores a cached account balance representative of the balance in each account as of a particular date. The MFTS communicates with financial service providers to obtain updated account balance information for a user's accounts. The updated account balance information is wirelessly communicated to a user's mobile device. In response to receipt of updated account balance information from the MFTS, the mobile device displays updated account balance information corresponding to the plurality of user accounts.

US Patent:

20080010191, Jan 10, 2008

Filed:

Jul 6, 2006

Appl. No.:

11/428864

Inventors:

Brady Lee Rackley III - Atlanta GA, US
Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

FIRETHORN HOLDINGS, LLC - Atlanta GA

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Methods and systems for providing a financial payment to a payee utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The user inputs information into the mobile device identifying a payee, a payment source for the payment, and a payment method. The mobile device generates a mobile payment instruction comprising information corresponding to the identified payee, the payment source, and the payment method, and wirelessly communicates the mobile payment instruction to a mobile financial transaction system (MFTS). The MFTS generates an MFTS payment instruction to a payment instruction recipient. The MFTS payment instruction includes information identifying the payment source, an amount, information corresponding to the identified payee, and information indicating the payment method. The MFTS communicates the MFTS payment instruction to a payment instruction recipient. In response to receipt of the MFTS payment instruction, the payment instruction recipient effects a payment to the identified payee without any required action by the payee.

US Patent:

20080010196, Jan 10, 2008

Filed:

Jul 6, 2006

Appl. No.:

11/428861

Inventors:

Brady Lee Rackley III - Atlanta GA, US
Warren Derek Porter - Atlanta GA, US
Gregory Michael Rickman - Atlanta GA, US
Kyle Leighton Cochran - Mableton GA, US

Assignee:

FIRETHORN HOLDINGS, LLC - Atlanta GA

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

Methods and systems for viewing aggregated financial obligations utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user. The MFTS is also coupled for electronic communications with an aggregator that collects information from a plurality of payees with whom a user has a financial relationship. The MFTS receives payment to make information from the aggregator corresponding to a payment to be made by the user to a payee. The MFTS generates summarized payment to make information comprising a predetermined selected subset of the payment to make information received from the aggregator. The MFTS wireless communicates the summarized payment to make information to the user's mobile device. The summarized payment information is then displayed on a user's mobile device.