Paul T Gallagher

US Patent:

6823084, Nov 23, 2004

Filed:

Jun 29, 2001

Appl. No.:

09/897786

Inventors:

Gregory K. Myers - San Francisco CA
Paul K. Gallagher - San Jose CA

Assignee:

SRI International - Menlo Park CA

International Classification:

G06K 9100

US Classification:

382187, 382313

Abstract:

An apparatus and a concomitant method for portably detecting and recognizing text information in a captured imagery. The present invention is a portable device that is capable of capturing imagery and is also capable of detecting and extracting text information from the captured imagery. The portable device contains an image capturing sensor, a text detection module, an OCR module, a storage device and means for presenting the output to the user or other devices.

US Patent:

7031939, Apr 18, 2006

Filed:

Aug 15, 2000

Appl. No.:

09/639014

Inventors:

Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Robert - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US

Assignee:

Yahoo! Inc. - Sunnyvale CA

International Classification:

G06F 17/60

US Classification:

705 39, 705 1, 705 42, 705 43, 705 65, 235387, 235379

Abstract:

Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction.

US Patent:

7120608, Oct 10, 2006

Filed:

Oct 30, 2000

Appl. No.:

09/702274

Inventors:

Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Ivan Liu - Redwood City CA, US
Martin Hampton - Belmont CA, US

Assignee:

Yahoo ! Inc. - Sunnyvale CA

International Classification:

G06Q 99/00
H04K 1/00

US Classification:

705 68, 705 67, 705 64, 705 75, 705 78, 705 69

Abstract:

Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a funding account, e. g. , credit card account, checking or savings account, or other account, or from another online account. To withdraw funds, money can be transferred to a funding account. A verification procedure requires that a user enter information sufficient to effect financial transfers to and from a funding account. The system deposits one or more small amounts into the funding account, and queries the user to enter the amount of each deposit. If the amount(s) match, the account is considered verified.

US Patent:

7171046, Jan 30, 2007

Filed:

Nov 22, 2004

Appl. No.:

10/994760

Inventors:

Gregory K. Myers - San Francisco CA, US
Paul K. Gallagher - San Jose CA, US

Assignee:

SRI International - Menlo Park CA

International Classification:

G06K 9/00
G06K 9/22
G06K 9/30

US Classification:

382187, 382313

Abstract:

An apparatus and a concomitant method for portably detecting and recognizing text information in a captured imagery. The present invention is a portable device that is capable of capturing imagery and is also capable of detecting and extracting text information from the captured imagery. The portable device contains an image capturing sensor, a text detection module, an OCR module, a storage device and means for presenting the output to the user or other devices.

US Patent:

7373329, May 13, 2008

Filed:

Dec 2, 2003

Appl. No.:

10/727303

Inventors:

Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US

Assignee:

Yahoo, Inc. - Sunnyvale CA

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Systems for effecting online financial transactions between individuals are disclosed. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The transfer request may include an identity confirmation through which the payor confirms the identity of the payee. The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee may open an online account or identify an existing online account to complete the transaction as well as provide identity confirmation for the payor. Upon confirmation, the transfer may occur.

US Patent:

7792720, Sep 7, 2010

Filed:

Oct 8, 2004

Appl. No.:

10/961505

Inventors:

Paul Gallagher - San Francisco CA, US
Kaycie Roberts - San Francisco CA, US
Michael Baum - San Francisco CA, US
Peihuan Meng - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Steve Davis - San Leandro CA, US
Robert Simon - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Ivan Liu - Redwood City CA, US
Martin Hampton - Belmont CA, US

Assignee:

Yahoo, Inc. - Sunnyvale CA

International Classification:

G06Q 30/00

US Classification:

705 35, 705 38, 705 39, 705 42, 705 44

Abstract:

A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.

US Patent:

8126792, Feb 28, 2012

Filed:

Aug 4, 2010

Appl. No.:

12/850304

Inventors:

Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US

Assignee:

Visa International Services Association - Foster City CA

International Classification:

G06Q 40/00

US Classification:

705 35, 705 38, 705 39, 705 42, 705 44

Abstract:

A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.

US Patent:

20050108155, May 19, 2005

Filed:

Dec 22, 2004

Appl. No.:

11/020789

Inventors:

Paul Gallagher - San Francisco CA, US
Steve Davis - San Leandro CA, US
Kaycie Roberts - San Francisco CA, US
Robert Simon - San Francisco CA, US
Michael Baum - San Francisco CA, US
Mieko Schmandt - Portola Valley CA, US
Peihuan Meng - Redwood City CA, US
Ivan Liu - Redwood City CA, US
Jorge Noa - San Francisco CA, US
Martin Hampton - Belmont CA, US

Assignee:

Yahoo! Inc. - Sunnyvale CA

International Classification:

G06F017/60

US Classification:

705039000

Abstract:

Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction. For a request money transaction, a user enters an amount of funds owed and an e-mail address for the recipient of the payment request (payor), and the system sends a payment request to the payor via e-mail at the provided address. If the payor accepts the payment request, the payor identifies an online account from which to transfer funds to the payee (initiator of the payment request). If the payor does not have an online account established, the payor must sign up for an online account and provide a credit card number to fund the online account. Thereafter, the amount of funds are transferred to the payee and the system sends an e-mail notification to the payee indicating that the funds have been “received” on the payee's behalf. In both cases, to complete a transaction, the payee must direct the received funds to an online account, for example, by providing an online account number and/or other identifying information such as a password. The payor may cancel the transaction at any time until the payee directs the received funds to an online account.