Thomas J Arnold, 621806 Palm Ave, San Mateo, CA 94402

7174455, Feb 6, 2007

Mar 2, 2001

09/798574

Thomas A. Arnold - Saratoga CA, US
John Philip Pettitt - Sausalito CA, US

Cybersource Corporation - Mountain View CA

H04L 9/00

713156, 705 59

A system and method for delivering a digital product electronically is disclosed. The system and method comprises providing an electronic license certificate (ELC) from an end-user to a server and then validating the ELC by the server. Finally, the method and system includes sending the digital product from the server to the user based upon validation of the electronic license certificate by the server. Accordingly, a digital product delivery system that is based on the concept of an active license (AL) which contains a plurality of active license objects (ALPOs) is disclosed. An ALPO is a software program that contains a digitally signed certificate document that may entitle the holder to receive, possess, and use a specific product. In essence, this certificate is a software application program that contains three major components: an electronic license certificate (ELC), a certificate viewer, and application functions to perform operations as granted by the license certificate, for example, retrieving and installing digital products.

7403922, Jul 22, 2008

Nov 2, 2000

09/708124

Michael Lewis - Sunnyvale CA, US
Frank King - Saratoga CA, US
Thomas Arnold - Saratoga CA, US
William Wright - Los Gatos CA, US
John Pettit - Sausalito CA, US

Cybersource Corporation - Mountain View CA

G06Q 40/00

705 38, 705 35, 705 39

A technique for evaluating fraud risk in e-commerce transactions between consumer and a merchant is disclosed. The merchant requests service from the system using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used. The system performs analysis including data integrity checks and correlation analyses based on characteristics of the transaction. Other analysis includes comparison of the current transaction against known fraudulent transactions, and a search of a transaction history database to identify abnormal patterns, name and address changes, and defrauders. In one alternative, scoring algorithms are refined through use of a closed-loop risk modeling process enabling the service to adapt to new or changing fraud patterns.

7970701, Jun 28, 2011

Feb 20, 2008

12/034447

Michael Lewis - Sunnyvale CA, US
Frank King - Saratoga CA, US
Thomas Arnold - Saratoga CA, US
William Wright - Los Gatos CA, US
John Pettit - Sausalito CA, US

Cybersource Corporation - Mountain View CA

G06Q 40/00

705 38, 705 35, 705 39

A technique for evaluating fraud risk in e-commerce transactions between consumer and a merchant is disclosed. The merchant requests service from the system using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used. The system performs analysis including data integrity checks and correlation analyses based on characteristics of the transaction. Other analysis includes comparison of the current transaction against known fraudulent transactions, and a search of a transaction history database to identify abnormal patterns, name and address changes, and defrauders. In one alternative, scoring algorithms are refined through use of a closed-loop risk modeling process enabling the service to adapt to new or changing fraud patterns.

8244629, Aug 14, 2012

Jun 24, 2011

13/168795

Michael Lewis - Sunnyvale CA, US
Frank King - Saratoga CA, US
Thomas Arnold - Saratoga CA, US
William Wright - Los Gatos CA, US
John Pettit - Sausalito CA, US

G06Q 40/00

705 38, 705 261

Evaluating fraud risk in a transaction between consumer and a merchant over a network is disclosed. The merchant requests service over the network using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned to the merchant. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used to examine numerous factors to calculate fraud risk. A risk score is generated and compared to the merchant's specified risk threshold. The result is returned to the merchant for order disposition.

2001004, Nov 22, 2001

Jan 19, 2001

09/766297

Thomas Arnold - Saratoga CA, US

G06F017/60

705/035000

Techniques are described for processing electronic check payments authorized by an issuer via a public network. Processing an electronic check is initiated when a user supplies, via a client connected to the Internet or other public network, authorization information that authorizes one or more check payments. According to an aspect of the present invention, the authorization information is forwarded to one or more servers that may validate the information and effect settlement of the check. The information is stored and retained in a manner that complies with laws and regulations regarding retention of electronic check authorizations.

2014005, Feb 27, 2014

Mar 14, 2013

13/830919

Thomas A. Arnold - Palo Alto CA, US
Gregory D. Anderson - Lisle IL, US

GRIDIUM, INC. - Menlo Park CA

G06Q 50/06

700291

Various of the disclosed embodiments contemplate a computer-implemented method of energy consumption and energy demand management in a building. In accordance with some embodiments, interval energy data of a specific building may be collected with a fixed time interval and paired with local historical weather data and other forms of operational data, as well as financial data including historical utility bills, utility rate structures and billing cycle dates. Paired energy interval data and the local historical weather data may be analyzed according to one or more analytic algorithms.

6289452, Sep 11, 2001

Nov 7, 1997

8/965836

Thomas Andrew Arnold - San Jose CA
John Philip Pettitt - Los Altos CA
Jesse Noel Rendleman - San Francisco CA
Robert Lincoln Lewis - San Jose CA

Cybersource Corporation - Mountain View CA

H04L 932

713175

A system and method for delivering a digital product electronically is disclosed. The system and method comprises providing an electronic license certificate (ELC) from an enduser to a server and then validating the ELC by the server. Finally, the method and system includes sending the digital product from the server to the user based upon validation of the electronic license certificate by the server. Accordingly, a digital product delivery system that is based on the concept of an active license (AL) which contains a plurality of active license objects (ALPOs) is disclosed. An ALPO is a software program that contains a digitally signed certificate document that may entitle the holder to receive, possess, and use a specific product. In essence, this certificate is a software application program that contains three major components: an electronic license certificate (ELC), a certificate viewer, and application functions to perform operations as granted by the license certificate, for example, retrieving and installing digital products.