Patents by Inventor Blake C. YARBROUGH

Blake C. YARBROUGH 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 FOR PROVIDING A REAL-TIME PAYMENT BETWEEN A CUSTOMER FINANCIAL INSTITUTION ACCOUNT AND A MERCHANT FINANCIAL INSTITUTION ACCOUNT FOR A TRANSACTION BASED ON A DIRECT COMMUNICATION BETWEEN A USER DEVICE AND A POINT-OF-SALE DEVICE
    Publication number: 20230214810
    Abstract: Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.
    Type: Application
    Filed: November 21, 2022
    Publication date: July 6, 2023
    Inventors: Janai A. WHITE, Denzelle R. WALKER, Blake C. YARBROUGH, Katherine E. CRAWFORD, Caleb H. KIRSHNER, Elise A. CARRASCO, Vincent D. GARDINER
  • SYSTEM AND METHOD FOR PROVIDING A REAL-TIME PAYMENT BETWEEN A CUSTOMER FINANCIAL INSTITUTION ACCOUNT AND A MERCHANT FINANCIAL INSTITUTION ACCOUNT FOR A TRANSACTION BASED ON A DIRECT COMMUNICATION BETWEEN A USER DEVICE AND A POINT-OF-SALE DEVICE
    Publication number: 20230214809
    Abstract: Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.
    Type: Application
    Filed: December 30, 2021
    Publication date: July 6, 2023
    Inventors: Janai A. WHITE, Denzelle R. WALKER, Blake C. YARBROUGH, Katherine E. CRAWFORD, Caleb H. KIRSHNER, Elise A. CARRASCO, Vincent D. GARDINER
  • SYSTEM AND METHOD FOR PROVIDING A REAL-TIME PAYMENT BETWEEN A CUSTOMER FINANCIAL INSTITUTION ACCOUNT AND A MERCHANT FINANCIAL INSTITUTION ACCOUNT FOR A TRANSACTION BASED ON A DIRECT COMMUNICATION BETWEEN A USER DEVICE AND A POINT-OF-SALE DEVICE
    Publication number: 20230214811
    Abstract: Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.
    Type: Application
    Filed: November 21, 2022
    Publication date: July 6, 2023
    Inventors: Janai A. WHITE, Denzelle R. WALKER, Blake C. YARBROUGH, Katherine E. CRAWFORD, Caleb H. KIRSHNER, Elise A. CARRASCO, Vincent D. GARDINER