Patents Assigned to Fiserv, Inc.
  • Patent number: 9641498
    Abstract: Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications.
    Type: Grant
    Filed: March 7, 2013
    Date of Patent: May 2, 2017
    Assignee: FISERV, INC.
    Inventors: David Francis Scavo, Barbara Wilson Whiteside
  • Patent number: 9130925
    Abstract: Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: September 8, 2015
    Assignee: FISERV, INC.
    Inventors: Robert T. Homer, Mary Elizabeth Lawson, Donald Kenneth Hobday, Hans Daniel Dreyer
  • Patent number: 9015328
    Abstract: Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications.
    Type: Grant
    Filed: March 7, 2013
    Date of Patent: April 21, 2015
    Assignee: Fiserv, Inc.
    Inventors: David Francis Scavo, Barbara Wilson Whiteside
  • Publication number: 20150095239
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.
    Type: Application
    Filed: September 30, 2013
    Publication date: April 2, 2015
    Applicant: FISERV , INC.
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20150095240
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.
    Type: Application
    Filed: September 30, 2013
    Publication date: April 2, 2015
    Applicant: FISERV, INC.
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20150039497
    Abstract: This disclosure describes systems, methods, and computer-readable media related to biller-initiated electronic billing activation. A service provider system for electronic bill presentment and payment (EBPP) may receive an electronic billing activation request, wherein the electronic billing activation request comprises i) an identifier associated with a biller, ii) an identifier associated with a subscriber account at the EBPP service provider, and iii) an identifier associated with a biller account at the biller. The identifier associated with the subscriber account may not be an identifier used by an entity associated with the subscriber account to access the subscriber account at the EBPP service provider. The service provider system may process the electronic billing activation request to establish the biller as i) a payee associated with the subscriber account and ii) an electronic biller associated with the subscriber account in response to receiving the electronic billing activation request.
    Type: Application
    Filed: July 31, 2013
    Publication date: February 5, 2015
    Applicant: FISERV, INC.
    Inventor: Todd A. Weiss
  • Publication number: 20150039498
    Abstract: This disclosure describes systems, methods, and computer-readable media related to biller-initiated electronic billing activation. A biller system associated with a biller may receive entity information associated with an entity requesting to establish a biller account with the biller. The biller system may generate the biller account. The biller system may generate an electronic billing activation request. The biller system may transmit to a service provider system associated with an electronic bill presentment and payment (EBPP) service provider, the electronic billing activation request and receive a confirmation of processing of the electronic billing activation request.
    Type: Application
    Filed: July 31, 2013
    Publication date: February 5, 2015
    Applicant: FISERV, INC.
    Inventor: Todd A. Weiss
  • Patent number: 8943124
    Abstract: Systems and methods for customizing mobile applications are provided. The systems and methods may include a computer program product, comprising a computer-usable medium having a computer-readable program code adapted to be executed to implement a method for customizing a mobile application, said method comprising: receiving or retrieving information representative of (i) a user, and (ii) an entity that the user is affiliated with; delivering the information representative of (i) the user, and (ii) the entity that the user is affiliated with; receiving customization information associated with one or both of the user or the entity; and presenting a user interface for the user, the user interface reflecting at least a portion of the customization information.
    Type: Grant
    Filed: September 12, 2011
    Date of Patent: January 27, 2015
    Assignee: Fiserv, Inc.
    Inventors: Edward Branton Massey, Karl Howard Chaffey, Jonathan Eric Drudge, Calvin Grimes, Jr., Bradley Shayle Scott, Amelia Slaughter Wilkinson
  • Patent number: 8943150
    Abstract: Systems and methods for customizing mobile applications are provided. The systems and methods may include storing one or more computers, an identifier associated with (i) a user and (ii) an entity with whom the user is affiliated; receiving a mobile application request; facilitating delivery of a mobile application to a mobile device associated with the user; receiving the identifier; and directing a delivery of customization information for customizing the mobile application of the mobile device, the customization information associated with one or both of the user or the entity with whom the user is affiliated.
    Type: Grant
    Filed: September 12, 2011
    Date of Patent: January 27, 2015
    Assignee: Fiserv, Inc.
    Inventors: Edward Branton Massey, Karl Howard Chaffey, Jonathan Eric Drudge, Calvin Grimes, Jr., Bradley Shayle Scott, Amelia Slaughter Wilkinson
  • Patent number: 8874480
    Abstract: Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which a customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
    Type: Grant
    Filed: June 4, 2012
    Date of Patent: October 28, 2014
    Assignee: Fiserv, Inc.
    Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
  • Publication number: 20140279393
    Abstract: Systems, methods, and computer-readable media for performing various automated processing of loan documents are disclosed. The automated processing may include, for example, electronic processing of loan documents, quality assessment processing to determine an accuracy of information included in the loan documents, tracking and management processing to determine quality characteristics associated with a loan package and candidacy for consideration for delivery to one or more intended recipients, and pre-delivery and delivery processing to further confirm or reject a loan package's candidacy for delivery and to prepare the loan package for delivery.
    Type: Application
    Filed: March 15, 2013
    Publication date: September 18, 2014
    Applicant: FISERV, INC.
    Inventors: Jay Joseph Coomes, James Lee Gillespie, Gregory Scott Lehman
  • Publication number: 20140278641
    Abstract: Systems, methods and computer-readable media for incident queue assignment and prioritization are disclosed. An incident handling system may receive a request for a next highest priority incident. An incident requiring resolution may be identified. The incident may be associated with an incident queue based at least in part on a queue assignment rule. The incident queue may comprise one or more incidents. The incident queue may be processed based at least in part on a prioritization rule to identify, from the one or more incidents associated with the incident queue, the next highest priority incident. The incident handling system may transmit the next highest priority incident associated with the incident queue.
    Type: Application
    Filed: March 15, 2013
    Publication date: September 18, 2014
    Applicant: FISERV, INC.
    Inventors: Michael Lee Kleehammer, Michael Fisher Loyd, David Keith Johnson
  • Publication number: 20140279459
    Abstract: Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited.
    Type: Application
    Filed: August 30, 2013
    Publication date: September 18, 2014
    Applicant: FISERV, INC.
    Inventors: Todd A. Weiss, Mary Elizabeth Lawson, Eric Anthony Miller
  • Publication number: 20140279691
    Abstract: Systems and methods that receive personal and/or financial information associated with a customer and a proposed financial action are disclosed. Based, at least in part on the received information, and iterative analysis of the financial implications of the proposed financial action, a financial proposal is generated. The financial proposal may provide insight into one or more optimized times and/or optimized amounts for executing the proposed financial action.
    Type: Application
    Filed: August 30, 2013
    Publication date: September 18, 2014
    Applicant: Fiserv, Inc.
    Inventors: Pierre Gabriel Bossaert, Michael Zhengmao Ji
  • Publication number: 20140279303
    Abstract: Systems, methods and computer-readable media for image capture and processing for financial transactions are disclosed. An image of a document may be received on behalf of a user. One or more text fields associated with the image may be identified. The one or more candidate financial transactions may be identified based at least in part on the identified one or more text fields. The one or more candidate financial transactions may be transmitted for presentment to the user. A selection of a candidate financial transaction may be received on behalf of the user. The image may be associated with the selection of the candidate financial transaction.
    Type: Application
    Filed: March 15, 2013
    Publication date: September 18, 2014
    Applicant: FISERV, INC.
    Inventors: Sergio Andres van Dam, Oliver I-Ju Chiang
  • Publication number: 20140279460
    Abstract: Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited.
    Type: Application
    Filed: August 30, 2013
    Publication date: September 18, 2014
    Applicant: FISERV, INC.
    Inventors: Todd A. Weiss, Mary Elizabeth Lawson, Eric Anthony Miller
  • Publication number: 20140259134
    Abstract: Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications.
    Type: Application
    Filed: March 7, 2013
    Publication date: September 11, 2014
    Applicant: FISERV, INC.
    Inventors: David Francis Scavo, Barbara Wilson Whiteside
  • 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: 20140258547
    Abstract: Systems, methods and computer-readable media are disclosed for performing single sign-on processing between associated mobile applications. The single sign-on processing may include processing to generate an interaction session between a user and a back-end server associated with a mobile application based at least in part on one or more existing interaction sessions between the user and one or more back-end servers associated with one or more other mobile applications. In order to establish an interaction session with an associated back-end server, a mobile application may leverage existing interaction sessions that have already been established in connection with the launching of other associated mobile applications.
    Type: Application
    Filed: March 7, 2013
    Publication date: September 11, 2014
    Applicant: FISERV, INC.
    Inventors: David Francis Scavo, Barbara Wilson Whiteside
  • Publication number: 20140244493
    Abstract: Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (eWallet), associated with a user. The eWallet may be accessed by the user to add, delete, or modify payment instruments and associated information in the eWallet. The eWallet may further be used by the use to initiate a financial transaction using one or more of the payment instruments associated with the eWallet.
    Type: Application
    Filed: February 27, 2013
    Publication date: August 28, 2014
    Applicant: FISERV, INC.
    Inventors: Leah Phillips Kenyon, Todd Christopher Barlok, Timothy Patrick Sheehan