Tim and Brad have worked together since 1990, starting in the credit card acquiring business with Bank of Boulder and ACS Merchant Services (became TransFirst, then acquired by TSYS, acquired by Global Payments). They created CheckAGAIN (digital check representments, sold to Fiserv in 2004) and BioPay (biometric authentication for check cashing and POS  payments, sold to PayByTouch in 2005).

 

Tim and Brad are co-inventors of more than 40 patents in financial services, with several more pending. In 2018 Tim founded, and Brad joined EarnedCard, an earned wage access (EWA) service provider via a variable credit limit credit card. Credit Inventions was formed to license the current pending patent family.