Warren M Rosner
Accountancy in Riverton, UT

6487540, Nov 26, 2002

Jul 25, 2000

09/625141

Steven B. Smith - Holladay UT
Nicolas A. Thomas - Orem UT
Warren M. Rosner - South Jordan UT

In2M Corporation - South Jordan UT

G60F 112

705 21, 705 24

Embodiments of the present invention relate to systems, methods and apparatus for the generation, transmission, storage and manipulation of electronic receipts which communicate itemized purchase transaction information. Preferred embodiments comprise wireless vendor devices and wireless purchaser devices which transmit electronic receipts at a point-of-sale for documentation of a purchase transaction. Further processing of the electronic receipt information may be performed with a purchaser device or with a secondary computing device after subsequent receipt transmission to that secondary device.

2008028, Nov 20, 2008

May 15, 2007

11/749135

Steven B. Smith - Holladay UT, US
Nicholas A. Thomas - Orem UT, US
Warren Rosner - South Jordan UT, US
Jay Brett McCleary - West Valley City UT, US

G06Q 40/00

705 35

Embodiments of the invention provide for improved early detection of fraud through user-defined monitoring of financial account information and communication of alerts and notifications of user-defined individualized potentially-fraudulent account activity to users. Embodiments of the invention permit an account fraud detection service provider to provide account monitoring services. The user may use the fraud detection service provider to monitor any number and type of financial accounts, and the user may define account notification rules or filters under which the user may choose to be notified of certain potentially-fraudulent account activities. The user may receive alerts and/or notifications of the user-selected account activities using a method selected by the user, and may therefore maintain awareness of account activities and be alerted of any troubling activity in a manner most convenient and effective for the user's needs.

7213064, May 1, 2007

Apr 9, 2001

09/829364

Steven B. Smith - Holladay UT, US
Nicholas A. Thomas - Orem UT, US
Warren M. Rosner - South Jordan UT, US

In2M Corporation - Draper UT

G06F 15/173

709223, 709229, 709232, 705 30

The present invention relates to an automated, mobile method for remotely managing the resources of a job-based business through real-time allocation of the resources among a set of user-defined virtual spending accounts. The method enables the user to establish two layers of virtual accounts. One layer comprises job accounts that represent individual jobs or projects. The other layer comprises allocation accounts that represent categories of transactions such as “materials,” “labor,” “facilities,” and “insurance. ” The user uses these virtual accounts in conjunction with actual accounts to track the user's transactions in real time. The user may also use the present invention to create and remotely transmit purchase orders and invoices, keep a record of employees, enter employee time sheets, process payroll, and allocate and reconcile incoming and outgoing transactions between the various virtual accounts.

2005007, Apr 7, 2005

Oct 2, 2003

10/677608

Warren Rosner - South Jordan UT, US
David Neddo - Midvale UT, US
Steven Smith - Holladay UT, US
Dennis Higbee - Riverton UT, US

G06F017/60

705040000

Systems and methods for providing electronic management of transactional accounts. A computer device is used to provide financial resource allocation and accountability among various groups of accounts, including source accounts and transactional accounts. When a user employs a transactional account to make a purchase, the amount of the purchase is electronically set aside, frozen or otherwise held from a source account and preserved until a payment is required for the transactional account at the close of a billing period. Accordingly, when a payment for the transactional account is required, funds are available for full payment of all purchases made during the billing cycle, thereby affording financial discipline to the user.

2003012, Jul 3, 2003

Nov 26, 2002

10/304718

Steven Smith - Holladay UT, US
Nicolas Thomas - Orem UT, US
Warren Rosner - South Jordan UT, US

G06F017/60, G06G001/12

705/021000, 705/016000

Embodiments of the present invention relate to systems, methods and apparatus for the generation, transmission, storage and manipulation of electronic receipts which communicate itemized purchase transaction information. Preferred embodiments comprise wireless vendor devices and wireless purchaser devices which transmit electronic receipts at a point-of-sale for documentation of a purchase transaction. Further processing of the electronic receipt information may be performed with a purchaser device or with a secondary computing device after subsequent receipt transmission to that secondary device.

8260699, Sep 4, 2012

May 30, 2001

09/870142

Steven B. Smith - Holladay UT, US
Nicholas A. Thomas - Orem UT, US
Warren M. Rosner - South Jordan UT, US

Finicity Corp. - South Jordan UT

G06Q 40/00

705 36

A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.