Patents by Inventor Brian G. Higgins

Brian G. Higgins 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).

  • CLOUD-BASED DATA AUGMENTATION
    Publication number: 20140164232
    Abstract: Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a vendor data platform, a vendor payment platform and a vendor clearing platform. The vendor data platform may receive a vendor name, a vendor identification number and vendor banking information and may this information into a third party database maintained by a third party. The vendor payment platform may receive the vendor identification number and a payment amount electronically associated with the vendor identification number without the banking information and transmit, to the third party, the vendor identification number and the payment amount. The vendor clearing platform may receive, from the third party, the payment amount and the banking information, and may transmit information to a clearing house. The information may initiate a transfer of funds into a vendor bank account.
    Type: Application
    Filed: December 10, 2012
    Publication date: June 12, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Thomas J. Durkin, Alex Y. Yang, Doug J. Carlson, Brian G. Higgins, Christopher Hope, Savit A. Pirl, Milton Santiago
  • Cloud-based data augmentation
    Patent number: 8732079
    Abstract: Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a vendor data platform, a vendor payment platform and a vendor clearing platform. The vendor data platform may receive a vendor name, a vendor identification number and vendor banking information and may this information into a third party database maintained by a third party. The vendor payment platform may receive the vendor identification number and a payment amount electronically associated with the vendor identification number without the banking information and transmit, to the third party, the vendor identification number and the payment amount. The vendor clearing platform may receive, from the third party, the payment amount and the banking information, and may transmit information to a clearing house. The information may initiate a transfer of funds into a vendor bank account.
    Type: Grant
    Filed: December 10, 2012
    Date of Patent: May 20, 2014
    Assignee: Bank of America Corporation
    Inventors: Thomas J. Durkin, Alex Y. Yang, Doug J. Carlson, Brian G. Higgins, Christopher Hope, Savit A. Pirl, Milton Santiago