Financial Services

Not long ago, bankers tracked accounts with paper ledgers and customers paid for most items in cash. Today, the financial services industry has exploded, providing every link in the financial chain with connectivity to quickly interpret data, make decisions, and chose how to save and spend. From RFID-enabled credit cards chips to personal finance trackers—the financial services industry continues to rapidly innovate.

Colby Nipper protects financial innovations through our deep technology know-how in data management, analysis, cloud and mesh-network based services, and the interfaces used to digest them. Our team has on-the-ground experience through their prior careers at Hewlett-Packard, Agilent Technologies, and Itron, while our attorneys have years of experience drafting patent applications in the financial services industry for current and prior clients, such as Adobe, Microsoft, and PE Systems (card-payment company).

Our experience includes:

  • Database management
  • Complex data-analysis algorithms including machine learning
  • Mesh-network services
  • Encryption/decryption and cryptography, including secure hash algorithms
  • Cloud services
  • Software simulation, design, and testing
  • Text-recognition systems for data-system transfers, including form-to-form
  • Social media management
  • User interfaces
  • APIs (e.g., OS-to-application, client-to-provider, business-to-business)
  • Authentication, both in-person and remote, (e.g., tokens, private-public key pairs)
  • Payment transfer systems
  • Digital wallets
  • Handheld and wearable payment devices
  • Financial transactions
  • Gaming
  • Handling USPTO subject matter eligibility rejections under 35 U.S.C. § 101