Nicholas M Thomas

US Patent:

7213064, May 1, 2007

Filed:

Apr 9, 2001

Appl. No.:

09/829364

Inventors:

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

Assignee:

In2M Corporation - Draper UT

International Classification:

G06F 15/173

US Classification:

709223, 709229, 709232, 705 30

Abstract:

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.

US Patent:

8260699, Sep 4, 2012

Filed:

May 30, 2001

Appl. No.:

09/870142

Inventors:

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

Assignee:

Finicity Corp. - South Jordan UT

International Classification:

G06Q 40/00

US Classification:

705 36

Abstract:

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.

US Patent:

20020091571, Jul 11, 2002

Filed:

Nov 9, 2001

Appl. No.:

10/035875

Inventors:

Nicholas Thomas - Orem UT, US
Steven Smith - Holladay UT, US

International Classification:

G06F017/60

US Classification:

705/014000, 705/016000, 705/026000

Abstract:

Methods and systems for electronic coupon issuance transmission and management. Wireless vendor devices and wireless purchaser devices transmit electronic coupons at a point of sale for coupon redemption. Further processing of the electronic coupon information may be performed with the purchaser device or with a secondary computing device after subsequent coupon transmission to that secondary device. The electronic coupons may incorporate a numerous variety of discount types as well as include various information such as purchaser profiles and coupon use histories. The electronic coupons may either be stored locally on the purchaser device or be a reference location on a network for the merchant to get coupon information from. The electronic coupons are also designed to allow the individual purchaser to automatically organize his or her coupons. Some electronic coupons can additionally be set to automatically delete upon expiration.

US Patent:

20080046347, Feb 21, 2008

Filed:

Jul 27, 2006

Appl. No.:

11/460623

Inventors:

Steven B. Smith - Holladay UT, US
Nicholas A. Thomas - Orem UT, US

International Classification:

G07F 19/00

US Classification:

705 30

Abstract:

The present invention relates to a financial software module or process for tracking, allocating, documenting, and facilitating the reimbursement of expenses. The module or process includes budgeting, incurring, recording, and tracking expenses, allocating expenses for reimbursement, documenting expenses, and facilitating the reimbursement of the expenses.The initial receipt of expenses may occur automatically or manually, and expenses are tracked more easily as the expenses may be entered and tracking may begin as soon as the expenses are incurred. Documentation of received and tracked expenses may be provided and linked to the tracked expenses. Because expenses may be tracked and documented immediately upon incurring the expenses, the reimbursement of the expenses is facilitated and accelerated. The module or process works equally well with cash expenditures, and allows for the continual monitoring of budgets from multiple accounts to prevent unknowing overspending beyond budgeted amounts.

US Patent:

20080065531, Mar 13, 2008

Filed:

Jul 26, 2006

Appl. No.:

11/460023

Inventors:

Steven B. Smith - Holladay UT, US
Nicholas A. Thomas - Orem UT, US

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A web-based financial software application that emulates short message service (SMS) based text payment. The software allows entry of financial transactions in detailed form to allow for normal budgeting, accounting, and tracking methods, then translates the pending transaction from the detailed form into a text-based format compatible with the SMS payment network and transmits and confirms the payment as would normally be done via a mobile device. Optionally, the transmission of the text-based payment may occur through a secure link to simplify the payment process. The software also permits entry of transactions in the SMS-compatible format and translates these entries into a detailed form to allow for budgeting, accounting, and tracking. The software then searches for corresponding payees, and allows the user to select from found matching payees to automatically fill in the remaining payee information, or permits the user to manually enter additional information.

US Patent:

20080208610, Aug 28, 2008

Filed:

Feb 28, 2008

Appl. No.:

12/039481

Inventors:

Nicholas Arthur Thomas - Orem UT, US
Tyler Kevin Park - Sandy UT, US

International Classification:

G06Q 10/00

US Classification:

705 1

Abstract:

Systems and methods for detecting, reporting and repairing of damaged scripts used to obtain financial account information from financial institutions are described, along with systems and methods for improved communications to users of financial software of the status of repair efforts. The systems and methods provide for improved speed in repairing script errors. In some embodiments, the script errors may be detected and repaired before a user even notices and/or reports the script error. In addition, the systems and methods provide for automatic detection and prioritization of script errors in conjunction with enhanced response times to script errors reported by users of financial software. Benefits are provided to the user experience, as well as to the efficiency of and resources required of service providers to repair broken scripts.

US Patent:

20080288382, Nov 20, 2008

Filed:

May 15, 2007

Appl. No.:

11/749135

Inventors:

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

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

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.

US Patent:

56490011, Jul 15, 1997

Filed:

Mar 24, 1995

Appl. No.:

8/410328

Inventors:

Nicholas A. Thomas - Salt Lake City UT
John Evans - Riverton UT
Richard Bentley - South Jordan UT
Mark L. Gray - West Valley City UT

Assignee:

U.S. Robotics Mobile Communications Corp. - Salt Lake City UT

International Classification:

H04M 1100

US Classification:

379 9307

Abstract:

A reconfigurable communication interface system is provided comprising a reconfigurable communication interface device and a communication adapter cable. The reconfigurable communication interface device contains means to identify a valid communication adapter cable. After an attached communication adapter cable is recognized as valid, operational values are downloaded from outside the communication interface device and the communication interface device software is reconfigured. Operational values may be loaded from the communication adapter cable or from the host computer. Adapter cables for a wide variety of applications such as various telephone networks, various cellular telephones, Ethernet networks, PBX type networks, ISDN type networks, optical networks, or other LAN and WAN type networks are provided.