Michael L Smith
Accountancy in Sandy, UT
License number
Utah 259557-2601
Issued Date
Sep 28, 1994
Expiration Date
Sep 30, 2018
Category
Accountancy
Type
Certified Public Accountant
Address
Address
Sandy, UT
Professional information
Authorization Refresh System And Method
US Patent:
2012007, Mar 22, 2012
Filed:
Nov 22, 2011
Appl. No.:
13/302514
Inventors:
Kathi L. Bernstein - Murray UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Assignee:
American Express Travel Related Services Company, Inc. - New York NY
International Classification:
G06Q 20/40
US Classification:
705 44
Abstract:
Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer. An authorization refresh may be performed by the account issuer and/or the intermediary if a settlement request is received for a transaction.
Authorization Refresh System And Method
US Patent:
2012006, Mar 15, 2012
Filed:
Nov 22, 2011
Appl. No.:
13/302454
Inventors:
Kathi L. Bernstein - Murray UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Assignee:
American Express Travel Related Services Company Inc. - New York NY
International Classification:
G06Q 20/40, G06Q 40/00
US Classification:
705 44
Abstract:
Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. An authorization refresh may occur if a settlement request is received for a transaction. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer.
Authorization Refresh System And Method
US Patent:
2009017, Jul 9, 2009
Filed:
Jan 16, 2009
Appl. No.:
12/355576
Inventors:
Kathi L. Bernstein - Murray UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Assignee:
American Express Travel Related Services Company, Inc. - New York NY
International Classification:
G06Q 20/00, G06Q 40/00, G06Q 10/00
US Classification:
705 30, 705 44, 705 35
Abstract:
Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer. The intermediary also coordinates with the merchant to verify availability of the item, provides the merchant with the refreshable limited use account identifier and provides the purchaser with a confirmation number.
Methods And Apparatus For Facilitating A Transaction
US Patent:
2003023, Dec 18, 2003
Filed:
Mar 19, 2003
Appl. No.:
10/391689
Inventors:
Michael Smith - Sandy UT, US
International Classification:
G06F017/60
US Classification:
705/075000
Abstract:
A system, method, apparatus, means, and computer program code for conducting a transaction include identifying information defining a transaction including at least a transaction amount, identifying an account identifier to associate with the transaction, and establishing a pre-authorization record associated with the account identifier, the pre-authorization record including an authorization restriction based on the transaction amount.
Authorization Refresh System And Method
US Patent:
2012007, Mar 22, 2012
Filed:
Nov 22, 2011
Appl. No.:
13/302560
Inventors:
Kathi L. Bernstein - Murray UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Hans D. Buehler - Williston VT, US
William Clark - Salt Lake City UT, US
Jeremiah Matt Curry - Taylorsville UT, US
Ryan Edward Lueders - South Weber UT, US
David O. Nelson - South Jordan UT, US
Michael S. Smith - Sandy UT, US
Assignee:
American Express Travel Related Services Company, Inc. - New York NY
International Classification:
G06Q 20/40, G06Q 30/06
US Classification:
705 44
Abstract:
Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests are submitted by a merchant for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a merchant/buyer. An authorization refresh may be performed by the account issuer and/or the intermediary if a settlement request is received for a transaction.