Michael M Mcfall

US Patent:

20120005070, Jan 5, 2012

Filed:

Jul 1, 2010

Appl. No.:

12/828413

Inventors:

Michael McFALL - Parkland FL, US
Arthur DeLaurier - Parkland FL, US
Dianne DeLaurier - Parkland FL, US
Thomas Cross - Duluth GA, US
Lou Loquasto - Roswell GA, US

Assignee:

Veretech Holdings, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

The invention is directed to a system for and a method of generating sales leads as a service for one or more vehicle dealerships that are not otherwise affiliated with the service. The invention may include maintaining a web site independently of the one or more vehicle dealerships that is accessible over a computer network by a consumer who is considering purchasing a vehicle, offering to the consumer while the consumer is accessing the web site to provide the consumer with an estimated credit score, wherein the consumer provides the consumer's contact information before the estimated credit score is provided, outputting a credit score survey to the consumer over the computer network, receiving one or more answers to the credit score survey from the consumer over the computer network, receiving information indicative of the vehicle transmitted from the consumer over the computer network, the information indicative of the vehicle comprising one or more selected from the group consisting of year, make, model, style, and color of the vehicle, receiving contact information of the consumer transmitted from the consumer over the computer network, determining, independently of the one or more vehicle dealerships, the estimated credit score by applying at least one scoring algorithm to the one or more answers to the credit score survey, providing the estimated credit score over the computer network to the consumer, and transmitting the contact information of the consumer, the estimated credit score, and the information indicative of the vehicle to the one or more vehicle dealerships as a sales lead.

US Patent:

20220263660, Aug 18, 2022

Filed:

Apr 26, 2022

Appl. No.:

17/730168

Inventors:

- Miami FL, US
Michael McFall - Miami FL, US

International Classification:

H04L 9/32
G06F 21/31
G06F 21/62
H04L 9/40
G06F 16/22

Abstract:

Disclosed is a method, a device, and/or a system of authentication through use of an unforgeable hash function-based credential. In one embodiment, method for electronic authentication includes receiving an authentication request including an identity claim from a first device, the identity claim including a device root hash computed by a hash function using inputs comprising a previously calculated hash value of the device. The method retrieves data of a user profile associated with the first device, the user profile including a profile root hash computed by the hash function using inputs comprising a previously calculated hash value of the user profile. The method extracts the profile root hash and compares the device root hash with the profile root hash. The method determines that the device root hash and the profile root hash are not identical, denies the authentication request, and optionally locks the user profile.