Patents Assigned to U.S. Bank National Association
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Patent number: 10360559Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.Type: GrantFiled: January 28, 2016Date of Patent: July 23, 2019Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 10176468Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.Type: GrantFiled: June 10, 2016Date of Patent: January 8, 2019Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9881131Abstract: Devices, systems, methods and arrangements are implemented in variety of manners. In a specific instance, a computer arrangement implements the following operations for a transaction involving a plurality of merchant offerings that are parseable by merchant offering identifiers. For a plurality of identified buyer accounts from which monetary payables (e.g., cash, credit and/or debit limits) are tracked, stored data sets are accessed that are indicative of types of merchant offerings to be associated with particular ones of the plurality of buyer accounts. Payment is facilitated for the items as a function of at least one of the plurality of buyer accounts. Payment is tracked for the items as a function of the merchant offering identifiers.Type: GrantFiled: April 4, 2016Date of Patent: January 30, 2018Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9813905Abstract: Methods, systems, and media for facilitating an automatic out-of-band authentication process that includes a DTMF token. The process involves receiving an authentication token via one network and automatically sending the token back through a different network. In some cases, the process may be performed without the need for any human interaction. One of the tokens is a DTMF signal that may be sent on its own or during a voice communication session over the audio path established for the session.Type: GrantFiled: October 14, 2013Date of Patent: November 7, 2017Assignee: U.S. BANK, NATIONAL ASSOCIATIONInventor: Sam Grosby
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Patent number: 9799028Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a seller using information provided in the transaction data, and uses the identification to access seller profile information for selecting one of a plurality of networks. In this context, a seller can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the seller, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols.Type: GrantFiled: November 25, 2008Date of Patent: October 24, 2017Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9424562Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.Type: GrantFiled: November 25, 2008Date of Patent: August 23, 2016Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9367839Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.Type: GrantFiled: November 25, 2008Date of Patent: June 14, 2016Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9251510Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a buyer using information provided in the transaction data, and uses the identification to access buyer profile information for selecting one of a plurality of networks. In this context, a buyer can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the buyer, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols.Type: GrantFiled: November 25, 2008Date of Patent: February 2, 2016Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9147184Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer type system receives and processes point-of-sale transaction data to select one of the payment networks associated with a participant ID (e.g., for a buyer or seller) in the transaction data. The system includes a plurality of network-specific interface modules, each associated with a specific payment network for interfacing therewith. For point-of-sale transaction data, the interface module corresponding to the selected payment network communicates payment data to the selected payment network to effect electronic payment for the point-of-sale transaction data.Type: GrantFiled: November 25, 2008Date of Patent: September 29, 2015Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 9141948Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. Consistent with one example system, a software-programmed computer type system receives and processes point-of-sale transaction data to select one of the payment networks associated with a participant ID (e.g., for a buyer or seller) in the transaction data. The system includes a plurality of network-specific interface modules, each associated with a specific payment network for interfacing therewith. For point-of-sale transaction data, the interface module corresponding to the selected payment network communicates payment data to the selected payment network to effect electronic payment for the point-of-sale transaction data.Type: GrantFiled: October 8, 2010Date of Patent: September 22, 2015Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Publication number: 20150120428Abstract: Mobile payment systems and methods allow a customer to make payments at a point-of-sale device using their mobile device. In the mobile payment method, a single bundle of transaction information is received at an aggregator server from a mobile device and the server creates a bundle ID for the received bundle. The bundle ID is sent to the mobile device, which presents it to the POS device. The POS device sends the received bundle ID back to the aggregator server and, if the bundle ID matches the expected ID, then payment processing is initiated according to preferences outlined in the transaction information.Type: ApplicationFiled: October 28, 2013Publication date: April 30, 2015Applicant: U.S. Bank, National AssociationInventors: Derrick HARDISON, Colin SMITH, Wally MLYNARSKI
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Patent number: 8762277Abstract: Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards a system that is configured to receive transaction data from customer-oriented terminals. The transaction data includes requests for monetary transfers on behalf of customers that hold a checking or savings account at a financial institution. In response to receiving the transaction data, the system accesses customer account information, which can include the amount of funds in the checking or savings accounts. The system determines whether sufficient funds exist in the accounts to cover the financial transactions. In response to a potential overdraft of one or more customer accounts, stored customer information is accessed to determine and authorize overdraft deferment eligibility of the customer based upon the stored customer information. The system defers an overdraft fee by providing a grace period during which funds can be transferred to cover the overdraft.Type: GrantFiled: April 19, 2013Date of Patent: June 24, 2014Assignee: U.S. Bank National AssociationInventors: Valerie Felice Cameo, Mark Dickelman, Victoria Ann Vogt
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Patent number: 8682760Abstract: A computer-based automated savings method includes storing in a memory circuit, for each customer, customer profile data that identifies an account for accumulating automated savings, that identifies customer-specified types of financial transactions for automated savings participation, and that identifies a customer-specified saving algorithm for each of the different types of financial transactions. Notification data is received that is indicative of one of the customers having actively engaged in one of the types of financial transactions for automated savings participation. The customer's profile data in the memory circuit is accessed, the type of financial transaction being engaged in by the customer is compared with the customer-specified types of financial transactions, and therefrom it is determined whether the type of financial transaction qualifies for automated savings participation.Type: GrantFiled: May 20, 2009Date of Patent: March 25, 2014Assignee: U.S. Bank National AssociationInventors: Valerie Felice Cameo, Todd C. Moning, Jeffrey D. Phillips
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Patent number: 8606714Abstract: Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed toward a system that is configured to receive transaction data from customer-oriented terminals. The transaction data includes requests for monetary transfers on behalf of customers that hold a checking or savings account at a financial institution. In response to receiving the transaction data, the system accesses customer account information, which can include the amount of funds in the checking or savings accounts. The system determines whether sufficient funds exist in the accounts to cover the financial transactions. In response to a potential overdraft of one or more customer accounts, stored customer information is accessed to determine and authorize overdraft deferment eligibility of the customer based upon the stored customer information. The system defers an overdraft fee by providing a grace period during which funds can be transferred to cover the overdraft.Type: GrantFiled: March 12, 2012Date of Patent: December 10, 2013Assignee: U.S. Bank National AssociationInventors: Valerie Felice Cameo, Mark Dickelman, Victoria Ann Vogt
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Patent number: 8429079Abstract: Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards, a system that is configured to receive transaction data from customer-oriented terminals. The transaction data includes requests for monetary transfers on behalf of customers that hold a checking or savings account at a financial institution. In response to receiving the transaction data, the system accesses customer account information, which can include the amount of funds in the checking or savings accounts. The system determines whether sufficient funds exist in the accounts to cover the financial transactions. In response to a potential overdraft of one or more customer accounts, stored customer information is accessed to determine and authorize overdraft deferment eligibility of the customer based upon the stored customer information. The system defers an overdraft fee by providing a grace period during which funds can be transferred to cover the overdraft.Type: GrantFiled: August 27, 2012Date of Patent: April 23, 2013Assignee: U.S. Bank National AssociationInventors: Valerie Felice Cameo, Mark Dickelman, Victoria Ann Vogt
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Patent number: 8255330Abstract: Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards, a system that is configured to receive transaction data from customer-oriented terminals. The transaction data includes requests for monetary transfers on behalf of customers that hold a checking or savings account at a financial institution. In response to receiving the transaction data, the system accesses customer account information, which can include the amount of funds in the checking or savings accounts. The system determines whether sufficient funds exist in the accounts to cover the financial transactions. In response to a potential overdraft of one or more customer accounts, stored customer information is accessed to determine and authorize overdraft deferment eligibility of the customer based upon the stored customer information. The system defers an overdraft fee by providing a grace period during which funds can be transferred to cover the overdraft.Type: GrantFiled: October 8, 2010Date of Patent: August 28, 2012Assignee: U.S. Bank National AssociationInventors: Valerie Felice Cameo, Mark Dickelman, Victoria Ann Vogt
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Publication number: 20120181371Abstract: A web dispenser is fitted with a crank that extends from the side or below the dispenser and is ergonomically shaped to receive the edge of a user's hand rather than the palm side of the user's hand. The crank interfaces with an advance mechanism in the dispenser that advances web material from the roll as the crank is pushed downward. The crank has a curved body that forms a recess or depression for receiving the edge of the user's hand.Type: ApplicationFiled: October 6, 2010Publication date: July 19, 2012Applicant: U.S. BANK NATIONAL ASSOCIATIONInventors: Paul Omdoll, Scott J. Collins
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Patent number: 7856403Abstract: A method for processing checks includes capturing check data from a check with a capture device of a check processing system, where the check data includes payee information. A category of the check is identified based at least in part on the payee information. A user account is updated with the category and at least a portion of the check data. A first edit to the check data is received from a user. A handwriting profile of the user is updated based on the first received edit. The handwriting profile is used to improve the accuracy of subsequently captured check data.Type: GrantFiled: February 22, 2010Date of Patent: December 21, 2010Assignee: U.S. Bank, National AssociationInventors: Dominic Victor Venturo, Todd Clarke Moning
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Patent number: 7680739Abstract: A method for processing checks includes capturing check data from a check, where the check data includes payee information or payor information. A category of the check is identified based at least in part on the captured check data. A user account is updated with the category and at least a portion of the captured check data. The user account is analyzed to identify transactions involving paper checks. Based on the analysis, an incentive is provided to a user associated with the user account, where the incentive discourages paper check transactions by the user.Type: GrantFiled: November 7, 2008Date of Patent: March 16, 2010Assignee: U.S. Bank, National AssociationInventors: Dominic Victor Venturo, Todd Clarke Moning
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Patent number: 7574386Abstract: Accounting data is classified to facilitate transaction processing and management. According to an example embodiment, data based rules are implemented for classifying transaction-related data into accounting categories. Accounting information is processed as a function of the data based rules and accordingly automatically classified. This processing involves, for example, the identification of particular data based rules to apply to the accounting information, applying the rules and processing the information accordingly.Type: GrantFiled: May 3, 2005Date of Patent: August 11, 2009Assignee: U.S. Bank National AssociationInventors: Dean W. Hahn-Carlson, Elizabeth A. Beck, David A. Suits