Patents Assigned to Metavante Corporation
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Patent number: 10963874Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: April 1, 2020Date of Patent: March 30, 2021Assignee: METAVANTE CORPORATIONInventors: Vicki L. James, Jeffrey Jay Erdmann
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Patent number: 10671999Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: March 6, 2019Date of Patent: June 2, 2020Assignee: METAVANTE CORPORATIONInventors: Vicki L. James, Jeffrey Jay Erdmann
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Publication number: 20190205876Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: ApplicationFiled: March 6, 2019Publication date: July 4, 2019Applicant: METAVANTE CORPORATIONInventors: Vicki L. JAMES, Jeffrey Jay ERDMANN
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Patent number: 10248951Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: December 29, 2008Date of Patent: April 2, 2019Assignee: METAVANTE CORPORATIONInventors: Vicki L. James, Jeffrey Jay Erdmann
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Publication number: 20140236818Abstract: An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and their respective financial institutions, but which are also capable of interfacing with independent biller service providers, independent customer service providers, independent consolidators, and/or independent payment providers. The integrated bill presentment and payment system and method of the present invention can link directly to billers and customers, and can also access and distribute billing information from third party biller service providers or consolidators and participate in the distribution of the billing information to customers through third party customer service providers and consolidators.Type: ApplicationFiled: April 29, 2014Publication date: August 21, 2014Applicant: Metavante CorporationInventors: Hans E. MYKLEBUST, Dushyant SHARMA, Timothy J. PATNEAUDE, Michael J. KAMINSKI, John L. WATRY, Murali CHIRALA, Shankar SRINIVASAN
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Patent number: 8799722Abstract: A network management system includes an automatic reconnaissance (resolution) component which, in one embodiment, includes four main operational components, namely a real-time parse/analysis component, a data merge component, a data analysis component, and a response capability component. These four components interact to provide real-time event recognition and response. The network management system efficiently receives, parses, and comprehends a large amount of event and statistical data that could be indicative of a network systems operation failure with resultant response actions initiated through such an infrastructure improving mean time to recovery.Type: GrantFiled: November 8, 2012Date of Patent: August 5, 2014Assignee: Metavante CorporationInventors: Scott E. Neuhaus, Scott D. Swessel, Alexander A. Senkevitch
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Patent number: 8799157Abstract: An integrated bill management system and an associated method for use therewith are disclosed which can manage the delivery of, and handle the payments associated with, both outgoing invoices from businesses to their customers and incoming bills from vendors to the businesses. Invoices are presented to customers and payment by the customers is facilitated, and bills from the vendors are obtained and presented electronically to the businesses and paid electronically for the businesses. Invoices may be presented to the customers either electronically or in paper form, and electronic and paper payments from the customers may be processed by the system. Vendors may provide either electronic or paper bills, and payment to vendors may be processed electronically or in paper form.Type: GrantFiled: May 8, 2002Date of Patent: August 5, 2014Assignee: Metavante CorporationInventors: Jeffrey S. Weisman, Dushyant Sharma, Murali Chirala, Hans E. Myklebust, John L. Watry
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Patent number: 8799007Abstract: Methods and systems are disclosed for processing a request to fund a purchase from a provider with a medical expense account. The request identifies expenses incurred with the purchase is received at a substantiation system and used to identify the provider. A determination is made whether the provider is included in a presubstantiation list, which identifies a set of providers determined to provide only goods and/or services eligible for funding by medical expense accounts. In response to a determination that the provider is included in the presubstantiation list, the expenses are automatically substantiated and substantiation information is generated and transmitted to a third-party administrator.Type: GrantFiled: October 20, 2006Date of Patent: August 5, 2014Assignee: Metavante CorporationInventor: Margaret A. Boyle
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Publication number: 20140207656Abstract: Methods are provided of processing a transaction between a consumer and a merchant with a disposable financial account. The disposable financial account is created automatically at a financial institution upon receipt of information provided by the consumer requesting creation of the account through an interface with the financial institution. The consumer is provided with information identifying the disposable financial account through the interface. An authorization request for the transaction is received from the merchant over a financial processing network. The authorization request includes the information identifying the disposable financial account and a transaction amount. An approval for the authorization request is returned to the merchant over the financial processing network based on financial parameters of the disposable financial account. Funds are transferred from the disposable financial account corresponding to the transaction amount to control of the merchant.Type: ApplicationFiled: April 8, 2014Publication date: July 24, 2014Applicant: Metavante CorporationInventor: Frank D'ANGELO
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Publication number: 20140180916Abstract: The present invention relates generally to electronic commerce, and more particularly to methods and systems for integrating electronic bill presentment and payment among biers, consumers, banks and other financial institutions, electronic payment facilitators, and web portals and other spaces able to support an interface for presentment and/or payment of bills.Type: ApplicationFiled: August 9, 2013Publication date: June 26, 2014Applicant: METAVANTE CORPORATIONInventor: Dushyant SHARMA
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Patent number: 8751384Abstract: An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and their respective financial institutions, but which are also capable of interfacing with independent biller service providers, independent customer service providers, independent consolidators, and/or independent payment providers. The integrated bill presentment and payment system and method of the present invention can link directly to billers and customers, and can also access and distribute billing information from third party biller service providers or consolidators and participate in the distribution of the billing information to customers through third party customer service providers and consolidators.Type: GrantFiled: May 8, 2002Date of Patent: June 10, 2014Assignee: Metavante CorporationInventors: Hans E. Myklebust, Dushyant Sharma, Timothy J. Patneaude, Michael J. Kaminski, John L. Watry, Murali Chirala, Shankar Srinivasan
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Patent number: 8660916Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.Type: GrantFiled: March 21, 2012Date of Patent: February 25, 2014Assignee: Metavante CorporationInventors: Steven T. Brown, Kathleen R. Werth
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Patent number: 8533079Abstract: The present invention relates generally to electronic commerce, and more particularly to methods and systems for integrating electronic bill presentment and payment among billers, consumers, banks and other financial institutions, electronic payment facilitators, and web portals and other spaces able to support an interface for presentment and/or payment of bills.Type: GrantFiled: May 13, 2011Date of Patent: September 10, 2013Assignee: Metavante CorporationInventor: Dushyant Sharma
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Patent number: 8490869Abstract: Methods and systems are provided for processing a transaction. An authorization request for the transaction is received over a financial network. The authorization request includes account information and transaction information specifying at least a transaction amount. A financial account is identified from the account information. A history of the financial account is analyzed to generate a prediction of a balance of the financial account at a specified future time. It is determined that the balance of the financial account at the specified future time will support the transaction for the transaction amount. An approval response is accordingly generated for the transaction.Type: GrantFiled: May 10, 2006Date of Patent: July 23, 2013Assignee: Metavante CorporationInventor: Steven T. Brown
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Patent number: 8423441Abstract: A computer based system and method for processing financial accounts. Each account is defined by multiple daily account balance records. Each daily account balance record is defined by a daily account balance record posting state that defines the types of transactions that may be posted to the daily account record balance at any one time. The various daily account balance records defining a single account may have different daily account balance record posting states, thereby allowing different types of transactions for different account days to be posted to the same account simultaneously. The resulting account processing system and method provides customers greater flexibility in transferring money between accounts and provides banking entities greater flexibility in account processing timing and reducing operational costs.Type: GrantFiled: December 27, 2011Date of Patent: April 16, 2013Assignee: Metavante CorporationInventors: James R. Dempster, Glenn R. Sonsalla
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Publication number: 20130073913Abstract: A network management system includes an automatic reconnaissance (resolution) component which, in one embodiment, includes four main operational components, namely a real-time parse/analysis component, a data merge component, a data analysis component, and a response capability component. These four components interact to provide real-time event recognition and response. The network management system efficiently receives, parses, and comprehends a large amount of event and statistical data that could be indicative of a network systems operation failure with resultant response actions initiated through such an infrastructure improving mean time to recovery.Type: ApplicationFiled: November 8, 2012Publication date: March 21, 2013Applicant: METAVANTE CORPORATIONInventor: Metavante Corporation
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Publication number: 20130046568Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.Type: ApplicationFiled: March 21, 2012Publication date: February 21, 2013Applicant: Metavante CorporationInventors: Steven T. BROWN, Kathleen R. Werth
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Patent number: 8332502Abstract: A network management system includes an automatic reconnaissance (resolution) component which, in one embodiment, includes four main operational components, namely a real-time parse/analysis component, a data merge component, a data analysis component, and a response capability component. These four components interact to provide real-time event recognition and response. The network management system efficiently receives, parses, and comprehends a large amount of event and statistical data that could be indicative of a network systems operation failure with resultant response actions initiated through such an infrastructure improving mean time to recovery.Type: GrantFiled: February 3, 2003Date of Patent: December 11, 2012Assignee: Metavante CorporationInventors: Scott E. Neuhaus, Scott D. Swessel, Alexander A. Senkevitch
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Publication number: 20120221447Abstract: A computer based system and method for processing financial accounts. Each account is defined by multiple daily account balance records. Each daily account balance record is defined by a daily account balance record posting state that defines the types of transactions that may be posted to the daily account record balance at any one time. The various daily account balance records defining a single account may have different daily account balance record posting states, thereby allowing different types of transactions for different account days to be posted to the same account simultaneously. The resulting account processing system and method provides customers greater flexibility in transferring money between accounts and provides banking entities greater flexibility in account processing timing and reducing operational costs.Type: ApplicationFiled: December 27, 2011Publication date: August 30, 2012Applicant: Metavante CorporationInventors: James R. DEMPSTER, Glenn R. SONSALLA
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Patent number: 8170930Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.Type: GrantFiled: July 20, 2006Date of Patent: May 1, 2012Assignee: Metavante CorporationInventors: Steven T. Brown, Kathleen R. Werth