Patents Assigned to Discover Financial Services
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Patent number: 11893375Abstract: An example computing platform is configured to (i) cause a client device to display an interface for deploying a new data science environment, where the interface presents (a) a list of data science applications and (b) a set of user-defined configuration parameters, (ii) receive, from the client device, data indicating (a) a user selection of a given data science application from the list and (b) a user selection of one or more user-defined configuration parameters from the set, (iii) based on the user selection of the given data science application, determine a deployment template for use in deploying the new data science environment, the deployment template specifying (a) an executable environment package and (b) a set of predefined configuration parameters, and (iv) use the given executable environment package, the set of predefined configuration parameters, and the one or more user-defined configuration parameters to deploy the new data science environment.Type: GrantFiled: January 20, 2022Date of Patent: February 6, 2024Assignee: Discover Financial ServicesInventors: Prasad Paravatha, Abdul Nafeez Mohammad
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Patent number: 11886278Abstract: A computing platform may be installed with software technology for creating and executing user-defined anomaly detection rules that configures the computing platform to: (1) receive, from a client device, data defining a given anomaly detection rule that has been created by a user, wherein the given anomaly detection rule comprises at least one anomaly condition that is to be applied to at least one streaming event queue, (2) store a data representation of the given anomaly detection rule in a data store, (3) convert the data representation of the given anomaly detection rule to a streaming query statement, (4) iteratively apply the streaming query statement to the at least one streaming event queue, and (5) while iteratively applying the streaming query statement, make at least one determination that the at least one anomaly condition is satisfied and then cause at least one anomaly notification to be issued to the user.Type: GrantFiled: January 21, 2022Date of Patent: January 30, 2024Assignee: Discover Financial ServicesInventors: Dhineshkumar Pachamuthu, Abdul Nafeez Mohammad, Vivek Mathew, Sara Bonefas
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Patent number: 11868749Abstract: An example computing platform is configured to (a) cause a client device associated with a user to display an interface for deploying a new data science model, where the interface presents the user with a list of deployment templates, and where each of the deployment templates includes data specifying (i) a respective executable model package and (ii) a respective set of execution instructions for the respective executable model package, (b) receive, from the client device, data indicating (i) a user selection of a given deployment template for use in deploying the new data science model and (ii) a given set of configuration parameters for use in deploying the new data science model, and (c) use the given executable model package, the given set of execution instructions, and the given set of configuration parameters to deploy the new data science model.Type: GrantFiled: January 14, 2022Date of Patent: January 9, 2024Assignee: Discover Financial ServicesInventors: Prasad Paravatha, Vivek Mathew, Divya Gone
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Patent number: 11842346Abstract: Embodiments provide a methods and systems for securely providing access to sensitive information for a plurality of entities. The method includes receiving, by a payer credential service provider (CSP), from a payer, a request for payee electronically protected information (EPI). The payer CSP transmits to a payee CSP a request for payee EPI data. The payee CSP validates, using a distributed ledger system, whether the payer has permission to request the payee EPI. The payer CSP receives the payee EPI data from the payee CSP. The payer CSP sends the payee EPI data to the payer.Type: GrantFiled: September 26, 2019Date of Patent: December 12, 2023Assignee: DISCOVER FINANCIAL SERVICESInventors: Micah J. Kerr, Alexander Jay Nathan, Julie Malikayil, Michael D. Hansen
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Patent number: 11544706Abstract: Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.Type: GrantFiled: April 26, 2019Date of Patent: January 3, 2023Assignee: Discover Financial ServicesInventors: Bryan L. Manka, George Danforth
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Patent number: 11055695Abstract: A method of testing a payment processing network by a credit card company device comprising: (a) programming a terminal to self-initiate one or more authentication requests using test primary account numbers included in a range of test bank identification numbers; (b) determining whether the test primary account numbers included in the test bank identification numbers are received; and (c) in response to the determining that the test primary account numbers are received, determining that the terminal is performing well.Type: GrantFiled: June 12, 2018Date of Patent: July 6, 2021Assignee: Discover Financial ServicesInventors: Matthew McKee, Peter Illian
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Publication number: 20150269552Abstract: This disclosure describes systems and methods for disbursing funds to multiple parties. The system allows a payment processing system to distribute funds to multiple parties. The disbursement amounts are contained in a disbursement file. Disbursements can be made as a percentage of revenue of a particular transaction.Type: ApplicationFiled: March 21, 2014Publication date: September 24, 2015Applicant: Discover Financial Services LLCInventors: James Michael TEKULVE, Scott Michael DEBOARD, Joseph SungChul KIM, Mark Alan OTTO, Catherine Virginia MADISON
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Publication number: 20140279391Abstract: Systems and methods are provided that cause a single user interface to be accessible by an account manager, where the single user interface is capable of displaying biographical information about a customer, displaying financial history and information about the customer, displaying a credit bureau summary portion, integrating additional calculators into the user interface, providing an offer result history, providing a banking information indicator, creating decision fields in the user interface that utilize new data sources, and/or providing the ability to present dynamic scripting to the account manager based on account attributes and other attributes and data.Type: ApplicationFiled: March 15, 2013Publication date: September 18, 2014Applicant: Discover Financial Services LLCInventors: Suzanne Gallo, Daniel Roland, Shilpa Wadhera, Alfredo Osorio
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Publication number: 20140172507Abstract: A method for predictive modeling of merchant attrition in a payment network. The method includes registering a plurality of merchants in the payment network, each merchant associated with at least one merchant acquirer; standardizing merchant registration information for the plurality of merchants to identify duplicate entries; assigning a unique merchant identification to each merchant; receiving transactional data from at least one merchant, the transactional data including at least a transaction amount and a transaction date; building a time series data set for the merchant from the transactional data; determining a merchant category for the merchant based on the primary industry group in which the merchant operates; and calculating a probability for the merchant to switch to a different acquirer based on one of a plurality of attrition models.Type: ApplicationFiled: December 17, 2012Publication date: June 19, 2014Applicant: DISCOVER FINANCIAL SERVICES LLCInventor: Girish Menon
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Patent number: 8682791Abstract: Systems and methods are described for redeeming rewards at a merchant's point-of-sale. The reward redemption takes place in real time and can be accomplished without the active participation of the merchant. A single credit card with no additional information may be used with a single swipe from the consumer to access both credit and rewards accounts, such that a single authorization request is made to encompass both rewards and credit. Merchants can be fully compensated for transactions by the issuer despite the customer's choice to redeem rewards.Type: GrantFiled: October 31, 2006Date of Patent: March 25, 2014Assignee: Discover Financial ServicesInventors: Maureen J. Bies, Bradford P. Hawley
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Patent number: 8620731Abstract: An inverted tier award system for financial alternatives to currency is presented, wherein a consumer using the financial alternative to currency is rewarded based on the purchases made by the consumer within a given time frame. Award rates can vary based on the total value of purchases made within a given time frame, with higher award rates assigned to lower value ranges to motivate those consumers to increase their purchases made using the financial alternative to currency. Additionally, higher award rates at lower value ranges can increase consumer loyalty and provide consumers access to their awards more quickly and more often. The award rates or award access can be modified to achieve greater profitability or to further other goals of the implementing organization.Type: GrantFiled: November 3, 2003Date of Patent: December 31, 2013Assignee: Discover Financial Services LLCInventor: David W. Nelms
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Publication number: 20130226784Abstract: A computer based method for selecting a balance transfer pricing offer for an individual financial account. The method includes selecting a plurality of balance transfer offers, each balance transfer offer comprising balance transfer pricing and duration criteria, executing computer executable instructions comprising one or more predictive models that estimate for the individual financial account and each of the balance transfer offers a plurality of parameters such as a probability of a response as well as a plurality of financial parameters, scoring the estimate of the one or more predictive models to determine an expected financial benefit for each of the balance transfer offers, determining, for the individual financial account, an optimal balance transfer offer among the plurality of the balance transfer offers by way of maximizing the expected financial benefit based on a plurality of constraints, and assigning to the individual financial account the optimal balance transfer offer.Type: ApplicationFiled: February 28, 2012Publication date: August 29, 2013Applicant: Discover Financial ServicesInventors: Vincent He, Jun Yang, Yanqing Jiang, Dong Yan, Yanguo Wang
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Patent number: D691159Type: GrantFiled: January 27, 2011Date of Patent: October 8, 2013Assignee: Discover Financial ServicesInventors: Michael A. Boush, Steve A. Furman, Catherine R. Sproul, Toby D. Roberts, Jacob Andsager, Joseph M. D'Amico, Prianka Advani
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Patent number: D728017Type: GrantFiled: August 23, 2012Date of Patent: April 28, 2015Assignee: Discover Financial ServicesInventors: Angela Liddy, Sheryl Yasger
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Patent number: D782571Type: GrantFiled: April 27, 2015Date of Patent: March 28, 2017Assignee: Discover Financial ServicesInventors: Angela Liddy, Sheryl Yasger
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Patent number: D807430Type: GrantFiled: December 1, 2016Date of Patent: January 9, 2018Assignee: Discover Financial ServicesInventors: Angela Liddy, Sheryl Yasger
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Patent number: D807957Type: GrantFiled: November 30, 2016Date of Patent: January 16, 2018Assignee: Discover Financial ServicesInventors: Angela Liddy, Sheryl Yasger
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Patent number: D807958Type: GrantFiled: November 30, 2016Date of Patent: January 16, 2018Assignee: Discover Financial ServicesInventors: Angela Liddy, Sheryl Yasger
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Patent number: D807959Type: GrantFiled: December 1, 2016Date of Patent: January 16, 2018Assignee: Discover Financial ServicesInventors: Angela Liddy, Sheryl Yasger
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Patent number: D829818Type: GrantFiled: September 6, 2016Date of Patent: October 2, 2018Assignee: Discover Financial ServicesInventors: Angela Liddy, Ed O'Sullivan, Tony Kola