Victor Todd Smith

US Patent:

8234133, Jul 31, 2012

Filed:

Jun 24, 2010

Appl. No.:

12/822495

Inventors:

Victor Smith - Cleveland OH, US

Assignee:

The Alkemie Group - Cleveland OH

International Classification:

G06Q 40/00

US Classification:

705 4, 705 14

Abstract:

Receipt insurance systems and methods whereby a third party receipt insurer insures consumers or purchasers all of the benefits associated with having possession of a receipt for a retail purchase without the need for possession of a physical or paper receipt. A receipt insurance agreement between a receipt insurance provider and a consumer protects the consumer against a loss of consumer rights or personal property insurance rights resulting from a lost receipt by electronically storing for retrieval, if necessary, an electronic record of all of the receipt information. The electronic receipt record is accepted by agreement between the receipt insurer and the seller/retailer as a valid receipt proof of purchase with all attendant rights. A receipt insurer provides receipt insurance coverage to a consumer to either protect against the loss of a paper receipt by substituting an electronic receipt record for a paper receipt, or eliminating the paper receipt entirely in lieu of an electronic receipt record which will be accepted by a seller or retailer as valid proof of purchase. Consumers are offered receipt insurance and thereby accept an electronic record of a purchase receipt as a valid record of a sales transaction between the consumer and a participating retailer in lieu of a traditional paper receipt.

US Patent:

8560353, Oct 15, 2013

Filed:

Jan 6, 2012

Appl. No.:

13/344820

Inventors:

Victor Smith - Cleveland OH, US

International Classification:

G06Q 40/00
G06Q 40/08
G06Q 30/02

US Classification:

705 4, 705 141, 705 35

Abstract:

Receipt insurance systems and methods provide protection to consumers against losses which may result from failure to possess a physical receipt or proof of purchase for retail purchase transactions. In one embodiment, a third party receipt insurer insures or guarantees consumers or purchasers of benefits associated with having possession of a receipt or other proof of purchase for a retail purchase without the need for possession of a physical or paper receipt. A receipt insurance agreement between a receipt insurance provider and a consumer protects the consumer against a loss of consumer rights or personal property insurance rights resulting from a lost receipt by electronically storing for retrieval, if necessary, an electronic record of all of the receipt information.

US Patent:

20140039940, Feb 6, 2014

Filed:

Oct 15, 2013

Appl. No.:

14/053844

Inventors:

Victor T. SMITH - Cleveland OH, US

International Classification:

G06Q 40/08

US Classification:

705 4

Abstract:

Receipt insurance systems and methods provide protection to consumers against losses which may result from failure to possess a physical receipt or proof of purchase for retail purchase transactions. In one embodiment, a third party receipt insurer insures or guarantees consumers or purchasers of benefits associated with having possession of a receipt or other proof of purchase for a retail purchase without the need for possession of a physical or paper receipt. A receipt insurance agreement between a receipt insurance provider and a consumer protects the consumer against a loss of consumer rights or personal property insurance rights resulting from a lost receipt by electronically storing for retrieval, if necessary, an electronic record of all of the receipt information.

US Patent:

20150019456, Jan 15, 2015

Filed:

Sep 30, 2014

Appl. No.:

14/502282

Inventors:

Victor T. SMITH - Cleveland OH, US

International Classification:

G06Q 20/38

US Classification:

705342

Abstract:

Receipt insurance systems and methods provide protection to consumers against losses which may result from failure to possess a physical receipt or proof of purchase for retail purchase transactions. A receipt insurance application captures data of receipts for consumer purchase transactions from a retailer computer or transaction terminal and facilitates display and storage of receipt data.