Patents by Inventor David Michael Keenan

David Michael Keenan has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 10657502
    Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
    Type: Grant
    Filed: April 27, 2015
    Date of Patent: May 19, 2020
    Assignee: FISERV, INC.
    Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
  • Publication number: 20150332269
    Abstract: Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.
    Type: Application
    Filed: May 22, 2015
    Publication date: November 19, 2015
    Inventors: Carol Jackie Lucia Specogna, David Michael Keenan, Kevin Gilbert, Annmarie D. Hart, Roger W. Applewhite
  • Publication number: 20150242823
    Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
    Type: Application
    Filed: April 27, 2015
    Publication date: August 27, 2015
    Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
  • Publication number: 20150199670
    Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
    Type: Application
    Filed: January 13, 2015
    Publication date: July 16, 2015
    Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
  • Publication number: 20150178709
    Abstract: Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.
    Type: Application
    Filed: March 5, 2015
    Publication date: June 25, 2015
    Inventors: David Michael Keenan, Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20140258120
    Abstract: Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.
    Type: Application
    Filed: March 8, 2013
    Publication date: September 11, 2014
    Applicant: FISERV, INC.
    Inventors: Carol Jackie Lucia Specogna, David Michael Keenan, Kevin Gilbert, Mimi Hart, Roger Applewhite
  • Publication number: 20140244485
    Abstract: Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.
    Type: Application
    Filed: February 28, 2013
    Publication date: August 28, 2014
    Applicant: FISERV, INC.
    Inventors: David Michael Keenan, Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20140188728
    Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
    Type: Application
    Filed: December 31, 2012
    Publication date: July 3, 2014
    Applicant: Fiserv, Inc.
    Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
  • Publication number: 20140067672
    Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
    Type: Application
    Filed: August 31, 2012
    Publication date: March 6, 2014
    Applicant: FISERV, INC.
    Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
  • Publication number: 20140067670
    Abstract: A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.
    Type: Application
    Filed: August 31, 2012
    Publication date: March 6, 2014
    Applicant: FISERV, INC.
    Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman