Patents Examined by Gregory Harper
  • Patent number: 11978029
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 4, 2021
    Date of Patent: May 7, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller, Mike Ley
  • Patent number: 11966893
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: August 3, 2021
    Date of Patent: April 23, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
  • Patent number: 11966891
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: January 4, 2021
    Date of Patent: April 23, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore
  • Patent number: 11966892
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: April 23, 2024
    Assignee: The PNC Financial Service Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach
  • Patent number: 11954659
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 6, 2021
    Date of Patent: April 9, 2024
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Jeremy Moore, Fernando Alfaro
  • Patent number: 11941644
    Abstract: Provided is a method of providing an authentication service using a decentralized identifier (DID) and a non-fungible token (NFT) which includes storing, in an authentication information database, authentication information, packing the authentication information in the NFT and then registering the NFT authentication information in a block chain, transmitting the NFT to a user terminal, comparing, by a purchaser terminal who intends to purchase the NFT, the NFT uploaded from the user terminal with the NFT registered in the block chain and then transmitting the result to the purchaser terminal, and allowing the purchaser terminal to photograph the surface fingerprint of the product when the purchaser terminal receives the product which is the real asset certified with the NFT and authenticating that the product is an original when the surface fingerprint packed in the NFT registered in the block chain matches the surface fingerprint photographed by the purchaser terminal.
    Type: Grant
    Filed: November 3, 2022
    Date of Patent: March 26, 2024
    Inventor: In-Soo Suk
  • Patent number: 11941643
    Abstract: Provided is a computer-implemented method for authenticating a user. The method includes registering a plurality of user accounts for a plurality of users based at least partially on user information and account data for each user of the plurality of users, the account data for each user including an account identifier associated with a portable payment device, generating an identity score for each user, registering a plurality of provider accounts for a plurality of third-party service providers based at least partially on third-party service provider data, receiving a request to authenticate a user of the plurality of users, receiving user credentials corresponding to a user account of the user, validating the user credentials based at least partially on the identity score of the user, and communicating an authentication response message to the third-party system in response to validating the user credentials.
    Type: Grant
    Filed: April 1, 2019
    Date of Patent: March 26, 2024
    Assignee: Visa International Service Association
    Inventors: Aditi Rungta, Kieu Trinh Nguyen, Wen Zhao Cheng, Xi Li, Xudong Wu
  • Patent number: 11935019
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: July 6, 2021
    Date of Patent: March 19, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro
  • Patent number: 11928656
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: March 12, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, Scott Braun
  • Patent number: 11928655
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: November 3, 2020
    Date of Patent: March 12, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mike Kirch, Eric Romantino
  • Patent number: 11915214
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: February 27, 2024
    Assignee: The PNC Finanical Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino
  • Patent number: 11907919
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: February 1, 2021
    Date of Patent: February 20, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
  • Patent number: 11893555
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: February 6, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Patent number: 11893557
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: February 6, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
  • Patent number: 11893556
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: February 6, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch
  • Patent number: 11887079
    Abstract: A method and system for central hub reconciliation is disclosed. The central hub reconciliation can provide for improved methods of reconciliation between a buyer (e.g., a request realization party) and a supplier (e.g., a request originating party). A central hub server may receive a data file comprising remittance data and payment data from a request realization computer. The remittance data is associated with a request provided from a request originating computer to the request realization computer. The central hub server ay then generate a unique identifier for the data file, and provide the payment data and the unique identifier to an authorizing entity computer requesting payment on behalf of the request realization computer. The central hub provides the remittance data and the unique identifier to the request originating computer which updates a repository using the payment data and the remittance data upon finding a match.
    Type: Grant
    Filed: March 9, 2021
    Date of Patent: January 30, 2024
    Assignee: Visa International Service Association
    Inventors: Alexander Godshall, Ximena Bellido Hoefken, Juliette Metzger, Khyati Shah, Saurabh Chopra
  • Patent number: 11875320
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: September 21, 2020
    Date of Patent: January 16, 2024
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Patent number: 11868978
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: January 9, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore, Robert Haberstroh
  • Patent number: 11861574
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: January 2, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
  • Patent number: 11847582
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: December 19, 2023
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh