Patents by Inventor Luke A. Hammock
Luke A. Hammock 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).
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Publication number: 20240161084Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.Type: ApplicationFiled: January 24, 2024Publication date: May 16, 2024Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Publication number: 20240127215Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.Type: ApplicationFiled: December 20, 2023Publication date: April 18, 2024Applicant: Capital One Services, LLCInventors: Tobias D. RUSSELL, Drew JACOBS, Luke A. HAMMOCK
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Patent number: 11948139Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.Type: GrantFiled: February 27, 2023Date of Patent: April 2, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Publication number: 20240095780Abstract: A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer.Type: ApplicationFiled: November 28, 2023Publication date: March 21, 2024Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Patent number: 11869041Abstract: A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer.Type: GrantFiled: January 6, 2022Date of Patent: January 9, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Patent number: 11823228Abstract: Systems and methods for providing purchase driven financial statements include an account processor that receives account data associated with one or more financial accounts of the account holder and advertising data via a network; one or more databases that stores at least the received account data and the received advertising data; and a statement processor that creates a financial statement based at least in part on the account data and the advertising data, provides the financial statement to an account holder, and tracks the account holder's future account data based on the provided advertising data.Type: GrantFiled: November 18, 2019Date of Patent: November 21, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Thomas S. Poole, Janusz Michael Niczyporuk, Luke A. Hammock
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Publication number: 20230206208Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.Type: ApplicationFiled: February 27, 2023Publication date: June 29, 2023Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Patent number: 11620626Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.Type: GrantFiled: August 18, 2021Date of Patent: April 4, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Publication number: 20220351182Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.Type: ApplicationFiled: July 14, 2022Publication date: November 3, 2022Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Luke A. HAMMOCK
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Patent number: 11423390Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.Type: GrantFiled: September 4, 2020Date of Patent: August 23, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Luke A. Hammock
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Publication number: 20220129952Abstract: A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer.Type: ApplicationFiled: January 6, 2022Publication date: April 28, 2022Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Patent number: 11288703Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.Type: GrantFiled: September 11, 2020Date of Patent: March 29, 2022Assignee: Capital One Services, LLCInventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
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Patent number: 11257125Abstract: A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer.Type: GrantFiled: November 11, 2013Date of Patent: February 22, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Patent number: 11200555Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.Type: GrantFiled: March 12, 2014Date of Patent: December 14, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Publication number: 20210383350Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.Type: ApplicationFiled: August 18, 2021Publication date: December 9, 2021Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
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Publication number: 20210256551Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier.Type: ApplicationFiled: May 6, 2021Publication date: August 19, 2021Applicant: CAPITAL ONE SERVICES, LLCInventors: Thomas S. POOLE, David E. KEATING, Drew JACOBS, Janusz M. NICZYPORUK, Luke A. HAMMOCK
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Publication number: 20210201399Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchantor with the second merchant.Type: ApplicationFiled: March 17, 2021Publication date: July 1, 2021Applicant: Capital One Services, LLCInventors: Hannes M. JOUHIKAINEN, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 11030637Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier.Type: GrantFiled: May 27, 2014Date of Patent: June 8, 2021Assignee: Capitol One Services, LLCInventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
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Patent number: 11030683Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.Type: GrantFiled: June 19, 2019Date of Patent: June 8, 2021Assignee: Capital One Services, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 10891603Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.Type: GrantFiled: March 11, 2018Date of Patent: January 12, 2021Assignee: Capital One Services, LLCInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock