Patents by Inventor Adarsh TANDON

Adarsh TANDON has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • System and method to accept third-party payments
    Patent number: 11704637
    Abstract: A real-time third-party payment system accepts payments to a lender from third-party merchants in real-time. The payment system may receive real-time payment information from the third-party, and various services within the payment system validate the customer account information, create a payment, store the payment in a database, and post the payment to a real-time ledger. The payment system may also receive an end-of-day file including file-based payment information. The file-based payment information may be verified against the real-time payments stored in the database. Upon validation, the payment system creates a file based payment and posts the file-based payment to a file-based ledger. The payment system may detect fraud, errors, and other discrepancies in real-time payments and make corrections based on settlement rules and self-healing rules provided by the third-party.
    Type: Grant
    Filed: March 18, 2020
    Date of Patent: July 18, 2023
    Assignee: Capital One Services, LLC
    Inventors: Sriramprabhu Rajendran, Janagaraj Ragupathy, Adarsh Tandon, Justine Thomas, Jason E. Lines
  • SYSTEM AND METHOD TO ACCEPT THIRD-PARTY PAYMENTS
    Publication number: 20210295285
    Abstract: A real-time third-party payment system accepts payments to a lender from third-party merchants in real-time. The payment system may receive real-time payment information from the third-party, and various services within the payment system validate the customer account information, create a payment, store the payment in a database, and post the payment to a real-time ledger. The payment system may also receive an end-of-day file including file-based payment information. The file-based payment information may be verified against the real-time payments stored in the database. Upon validation, the payment system creates a file based payment and posts the file-based payment to a file-based ledger. The payment system may detect fraud, errors, and other discrepancies in real-time payments and make corrections based on settlement rules and self-healing rules provided by the third-party.
    Type: Application
    Filed: March 18, 2020
    Publication date: September 23, 2021
    Applicant: Capital One Services, LLC
    Inventors: SRIRAMPRABHU RAJENDRAN, Janagaraj RAGUPATHY, Adarsh TANDON, Justine THOMAS, Jason E. LINES