Inventor · disambiguated record
Richard W. Heard
Also filed as: HEARD RICHARD · HEARD RICHARD W · HEARD RICHARD WILLIAM THOMAS
21 granted patents·14 pending applications·79 citations·filing 2018–2024
93Inventor score
Files withAPPLE INC35
Top patents by PatentIndex Score
35 records- 0196US11669896B2User interfaces for managing an accountAPPLE INC·Filed 2021·Granted Jun 6, 2023·2 cites·57 claims
- 0296US11392935B2Automatic activation of a physical payment cardAPPLE INC·Filed 2020·Granted Jul 19, 2022·50 cites·20 claims
- 0395US12131374B2User interfaces for managing an accountAPPLE INC·Filed 2023·Granted Oct 29, 2024·3 cites·36 claims
- 0494US11610259B2User interfaces for managing an accountAPPLE INC·Filed 2020·Granted Mar 21, 2023·3 cites·48 claims
- 0594US11348092B2Payment milestones for improved financial healthAPPLE INC·Filed 2020·Granted May 31, 2022·4 cites·19 claims
- 0693US11688001B2User interfaces for managing an accountAPPLE INC·Filed 2019·Granted Jun 27, 2023·6 cites·48 claims
- 0785US2025022049A1User interfaces for managing an accountAPPLE INC·Filed 2024·Application pending·0 cites
- 0884US12032519B2Generation of transaction tags for enhanced searchingAPPLE INC·Filed 2022·Granted Jul 9, 2024·1 cites·20 claims
- 0981US11315089B2User configurable direct transfer systemAPPLE INC·Filed 2019·Granted Apr 26, 2022·2 cites·20 claims
- 1080US12190309B2Payment milestones for improved financial healthAPPLE INC·Filed 2023·Granted Jan 7, 2025·0 cites·20 claims
- 1180US11328352B2User interfaces for managing an accountAPPLE INC·Filed 2019·Granted May 10, 2022·1 cites·54 claims
- 1278US12141266B2Proof of affinity to a secure event for frictionless credential managementAPPLE INC·Filed 2020·Granted Nov 12, 2024·1 cites·20 claims
- 1377US11221744B2User interfaces for peer-to-peer transfersAPPLE INC·Filed 2018·Granted Jan 11, 2022·3 cites·54 claims
- 1477US2023153899A1User interfaces for managing an accountAPPLE INC·Filed 2023·Application pending·0 cites
- 1576US11769141B2Payment milestones for improved financial healthAPPLE INC·Filed 2022·Granted Sep 26, 2023·0 cites·20 claims
- 1676US11164179B2Secure credential storage and retrievalAPPLE INC·Filed 2019·Granted Nov 2, 2021·3 cites·16 claims
- 1775US12499205B2User interfaces for sharing an account with another user identityAPPLE INC·Filed 2023·Granted Dec 16, 2025·0 cites·21 claims
- 1875US11810100B2Payment milestones for improved financial healthAPPLE INC·Filed 2022·Granted Nov 7, 2023·0 cites·20 claims
- 1972US2025053637A1Proof of affinity to a secure event for frictionless credential managementAPPLE INC·Filed 2024·Application pending·0 cites
- 2068US2025111378A1Credential sharing between devicesAPPLE INC·Filed 2024·Application pending·0 cites
- 2168US2025379855A1Systems and techniques for anonymous data transfersAPPLE INC·Filed 2024·Application pending·0 cites
- 2268US2025111368A1Credential sharing between devicesAPPLE INC·Filed 2024·Application pending·0 cites
- 2368US2025379854A1Systems and techniques for anonymous data transfersAPPLE INC·Filed 2024·Application pending·0 cites
- 2467US2025378440A1Techniques for alternative data exchange mechanisms at terminal devicesAPPLE INC·Filed 2024·Application pending·0 cites
- 2567US2025379737A1Techniques for alternative data exchange mechanisms at terminal devicesAPPLE INC·Filed 2024·Application pending·0 cites
- 2665US11868461B2User interfaces for sharing an account with another user identityAPPLE INC·Filed 2021·Granted Jan 9, 2024·0 cites·54 claims
- 2764US12405922B2Transaction tags for enhanced suggestionsAPPLE INC·Filed 2022·Granted Sep 2, 2025·0 cites·20 claims
- 2864US12056672B2User configurable direct transfer systemAPPLE INC·Filed 2022·Granted Aug 6, 2024·0 cites·20 claims
- 2961US2018349880A1Peer transaction systemAPPLE INC·Filed 2018·Application pending·0 cites
- 3055US12462230B2Technique for providing optimized digital informationAPPLE INC·Filed 2021·Granted Nov 4, 2025·0 cites·20 claims
- 3155US2022391873A1Creation of restricted mobile accountsAPPLE INC·Filed 2022·Application pending·0 cites
- 3252US2018349881A1Split transaction executionAPPLE INC·Filed 2018·Application pending·0 cites
- 3349US2021042780A1Substantially real time cash back settlementAPPLE INC·Filed 2020·Application pending·0 cites
- 3448US2021374709A1Creation of restricted mobile accountsAPPLE INC·Filed 2020·Application pending·0 cites
- 3547US12505130B2Transaction tags for enhanced searchingAPPLE INC·Filed 2022·Granted Dec 23, 2025·0 cites·20 claims
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Identity basis: PatentsView inventor disambiguation (2025Q4-odp release). How scoring works →