Abstract: A platform agnostic financial gateway system and method for managing financial transactions is disclosed. The method includes receiving an onboarding request by a one or more client platforms comprising one or more assets. The method includes processing the received onboarding request to integrate the one or more client platforms with the platform agnostic financial gateway system and determining profile data and configuration data of the one or more client platforms. The method further includes identifying platform-based services based on the profile data and configuration data and determining one or more capabilities of the one or more client platforms to interact with the platform agnostic financial gateway system. The method includes generating and rendering a dynamic screen on a user interface of the one or more client platforms for enabling one or more customers to select, process and manage one or more platform-based services through a one or more payment options.
Type:
Grant
Filed:
February 15, 2023
Date of Patent:
August 5, 2025
Assignee:
iCreditWorks
Inventors:
Shankar R Iyer, Suresh G Nair, Vimalnath Umapathi, Amol Gote, Maria Dominique, Dheeraj Palakurthy
Abstract: A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.
Type:
Grant
Filed:
May 3, 2023
Date of Patent:
August 6, 2024
Assignee:
iCreditWorks Inc.
Inventors:
Suresh G. Nair, Stephen Earl Sweeney, Mark David Alexander
Abstract: A system and a method are disclosed for identifying a co-applicant based on proximity to an applicant. In an embodiment, a processor determines a location of the applicant, and identifies a plurality of potential co-applicants that are collocated with the location of the applicant. For each respective potential co-applicant of the plurality of potential co-applicants, the processor determines whether a respective edge exists on a graph that connects the applicant with the respective potential co-applicant, and, responsive to determining that the respective edge exists, identifies the respective potential co-applicant as a candidate co-applicant. The processor generates for display, on a device of the applicant, a selectable option that, when selected, indicates that the applicant would like to use the candidate co-applicant as a co-applicant for an application. Responsive to detecting a selection of the selectable option, the processor activates the application at a device of the candidate co-applicant.
Type:
Grant
Filed:
January 14, 2022
Date of Patent:
May 23, 2023
Assignee:
iCreditWorks Inc.
Inventors:
Suresh G. Nair, Stephen Earl Sweeney, Mark David Alexander