William A Conley

US Patent:

20070239568, Oct 11, 2007

Filed:

Mar 26, 2007

Appl. No.:

11/691329

Inventors:

William Conley - Irving TX, US
Thomas Oxendine - Denton TX, US

International Classification:

G06Q 10/00

US Classification:

705028000

Abstract:

Methods and systems for determining a real-time or near-real time reconciliation list are disclosed. One or more datasets of inventory and financial transactions may be received from different locations of an enterprise or as a result of a payment processing function of the system. The data may combined, manipulated, and reconciled, thereby providing an accurate inventory list and payments processed.

US Patent:

20070244839, Oct 18, 2007

Filed:

Mar 26, 2007

Appl. No.:

11/691322

Inventors:

William Conley - Irving TX, US

International Classification:

B67D 5/00
G06F 17/00

US Classification:

705413000

Abstract:

Methods and systems for providing a real-time invoice at the time of delivery and collecting payments for the invoice are disclosed. In one respect, a client system may determine an amount of a product delivered, calculate the amount due, and generate an invoice. The client system may also receive payment information and forward such information to a transaction system. The transaction system verifies the payment information and transfers subsequent authorization to the client system.

US Patent:

20080015990, Jan 17, 2008

Filed:

Jul 17, 2007

Appl. No.:

11/778931

Inventors:

William Conley - Irving TX, US
Thomas Oxendine - Denton TX, US

International Classification:

G06Q 40/00

US Classification:

705044000

Abstract:

Systems and methods for validating a PIN (personal identification number)-less financial transaction request are provided. Transaction data from a card and an authentication key may be submitted by a merchant to a data center. The authentication key may be generated by the merchant and may be an alpha, numeric, or alphanumeric key that may be associated with business data between the merchant and the cardholder. At the data center, the authentication key may be authenticated by comparing the authentication key with a population of valid authentication keys associated with the merchant. If the authentication key is validated, the transaction request, e.g. product sale transaction, may be evaluated and a confirmation, e.g., approval or denial, may be subsequently sent back to the merchant.