Patents by Inventor Peter Hazlehurst
Peter Hazlehurst 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: 20230063337Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: September 2, 2022Publication date: March 2, 2023Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 11436668Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: GrantFiled: July 3, 2019Date of Patent: September 6, 2022Assignee: Yodlee, Inc.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 10565641Abstract: Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets.Type: GrantFiled: December 19, 2012Date of Patent: February 18, 2020Assignee: Yodlee, Inc.Inventors: Eric Connors, Jordan Reed, Peter Hazlehurst, Suman Sarkar
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Publication number: 20190392513Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: July 3, 2019Publication date: December 26, 2019Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 10346902Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: GrantFiled: March 6, 2017Date of Patent: July 9, 2019Assignee: Yodlee, Inc.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 10147112Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: GrantFiled: December 26, 2013Date of Patent: December 4, 2018Assignee: GOOGLE LLCInventors: Harry Lee Butler, IV, Osama Bedier, Peter Hazlehurst, Michael Scott Blandina, Bobby Wieler
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Patent number: 10102508Abstract: A computer-implemented method includes issuing a transaction on the Automated Clearing House (ACH) electronic network, the transaction including instructions for printing a check, receiving the transaction, and printing the check according to the instructions.Type: GrantFiled: February 14, 2014Date of Patent: October 16, 2018Assignee: Yodlee, Inc.Inventors: Gary Williams, Peter Hazlehurst, Jayasree Iyer, Julieta Abad
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Publication number: 20170255993Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: March 6, 2017Publication date: September 7, 2017Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 9589298Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: GrantFiled: February 21, 2013Date of Patent: March 7, 2017Assignee: Yodlee, Inc.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Publication number: 20170053162Abstract: Providing improved card art for display comprises receiving, by one or more computing devices, an image of a card and performing an image recognition algorithm on the image. The computing device identifies images represented on the card image and comparing the identified images to an image database. The computing device determines a standard card art image associated with the identified image based at least in part on the comparison and associates the standard card art image with an account of a user, the account being associated with the card in the image. The computing device displays the standard card art as a representation of the account.Type: ApplicationFiled: November 8, 2016Publication date: February 23, 2017Inventors: Marcus Quintana Mitchell, Peter Hazlehurst, Xiaohang Wang, Debra Lin Repenning, IV, Yakov Okshtein, Sanjiv Kumar, Farhan Shamsi, Henry Allan Rowley
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Patent number: 9514359Abstract: Providing improved card art for display comprises receiving, by one or more computing devices, an image of a card and performing an image recognition algorithm on the image. The computing device identifies images represented on the card image and comparing the identified images to an image database. The computing device determines a standard card art image associated with the identified image based at least in part on the comparison and associates the standard card art image with an account of a user, the account being associated with the card in the image. The computing device displays the standard card art as a representation of the account.Type: GrantFiled: July 19, 2013Date of Patent: December 6, 2016Assignee: GOOGLE INC.Inventors: Marcus Quintana Mitchell, Peter Hazlehurst, Xiaohang Wang, Debra Lin Repenning, Yakov Okshtein, Sanjiv Kumar, Farhan Shamsi, Henry Allan Rowley
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Publication number: 20160132876Abstract: Redeeming closed loop payment instruments in wallet account transactions comprises a payment system server configured to associate financial accounts with a payment account of a user, comprising at least one closed loop account. The server receives, from a card network, a first payment authorization request originating from a merchant, comprising the payment account identifier and a request to fund a transaction. The server communicates, to a closed loop account issuer computing system, a redemption request to redeem funds from the closed loop account. The server receives a redemption of funds from the closed loop account. The server deducts the redeemed funds redeemed from a total amount of funds requested in the first payment authorization request. Upon receiving the funds, the server communicates to the merchant computing system a second authorization for the total amount of funds requested in the first authorization request based on the redemption of funds.Type: ApplicationFiled: February 11, 2014Publication date: May 12, 2016Applicant: GOOGLE INC.Inventors: Christopher Petersen, Tim Kuchlein, Peter Hazlehurst, Harry Lee Butler, IV
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Publication number: 20150356533Abstract: Methods, computer program products, and systems, related to financial payments are provided. Data corresponding to payments made by a first financial institution is analyzed to identify periodic financial obligations and a specific biller associated with each obligation. A visual user interface including a mechanism through which a user can submit a make-payments notification is generated and provided to a client computer. A first make-payments notification identifying an obligation and a specific biller is received. A determination is made as to whether the specific biller is automatically requesting payments to satisfy the obligation identified in the make-payments notification, and if so, a cease-billing instruction is caused to be sent to the specific biller. A billing instruction, instructing the first specific biller to automatically request payments from a second financial institution to satisfy the obligation, is caused to be sent to the first specific biller.Type: ApplicationFiled: August 20, 2015Publication date: December 10, 2015Applicant: Yodlee, Inc.Inventor: Peter Hazlehurst
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Patent number: 9129268Abstract: Methods, computer program products, and systems, related to financial payments are provided. Data corresponding to payments made by a first financial institution is analyzed to identify periodic financial obligations and a specific biller associated with each obligation. A visual user interface including a mechanism through which a user can submit a make-payments notification is generated and provided to a client computer. A first make-payments notification identifying an obligation and a specific biller is received. A determination is made as to whether the specific biller is automatically requesting payments to satisfy the obligation identified in the make-payments notification, and if so, a cease-billing instruction is caused to be sent to the specific biller. A billing instruction, instructing the first specific biller to automatically request payments from a second financial institution to satisfy the obligation, is caused to be sent to the first specific biller.Type: GrantFiled: March 16, 2010Date of Patent: September 8, 2015Assignee: Yodlee, Inc.Inventor: Peter Hazlehurst
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Publication number: 20150023604Abstract: Providing improved card art for display comprises receiving, by one or more computing devices, an image of a card and performing an image recognition algorithm on the image. The computing device identifies images represented on the card image and comparing the identified images to an image database. The computing device determines a standard card art image associated with the identified image based at least in part on the comparison and associates the standard card art image with an account of a user, the account being associated with the card in the image. The computing device displays the standard card art as a representation of the account.Type: ApplicationFiled: July 19, 2013Publication date: January 22, 2015Applicant: GOOGLE INC.Inventors: Marcus Quintana Mitchell, Peter Hazlehurst, Xiaohang Wang, Debra Lin Repenning, Yakov Okshtein, Sanjiv Kumar, Farhan Shamsi, Henry Allan Rowley
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Publication number: 20140351040Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 26, 2013Publication date: November 27, 2014Applicant: Google Inc.Inventors: Tim Kuchlein, Harry Lee Butler, IV, Peter Hazlehurst, Shantan Rao, Yan Chen, Marlo James McGriff, II, Yanka Li, Ignacio Carlos Blanco, Amit Chandak, Shobhana Katukuri
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Publication number: 20140351131Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 26, 2013Publication date: November 27, 2014Applicant: GOOGLE INC.Inventors: Harry Lee Butler, IV, Osama Bedier, Peter Hazlehurst, Michael Scott Blandina, Bobby Wieler
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Publication number: 20140236792Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.Type: ApplicationFiled: February 21, 2013Publication date: August 21, 2014Applicant: YODLEE, INC.Inventors: Shubha Pant, Nikhil Nadkarni, Vinay Nagaraj, Jordan Reed, Peter Hazlehurst
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Patent number: 8655783Abstract: A computer-implemented method includes issuing a transaction on the Automated Clearing House (ACH) electronic network, the transaction including instructions for printing a check, receiving the transaction, and printing the check according to the instructions.Type: GrantFiled: March 18, 2010Date of Patent: February 18, 2014Assignee: Yodlee, Inc.Inventors: Gary Williams, Peter Hazlehurst, Jayasree Iyer, Julieta Abad
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Patent number: 8346615Abstract: Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets.Type: GrantFiled: November 23, 2009Date of Patent: January 1, 2013Assignee: Yodlee, Inc.Inventors: Eric Connors, Jordan Reed, Peter Hazlehurst, Suman Sarkar