Patents by Inventor Denise Aptekar
Denise Aptekar 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).
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Patent number: 10235659Abstract: A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. In example embodiments, a request from a first entity to conduct a transaction involving a first value is received. Funds of the transaction are caused to be released prior to the transaction clearing a financial institution. Based on the transaction being rejected by the financial institution, at least a portion of the first value is charged against a credit source.Type: GrantFiled: November 13, 2017Date of Patent: March 19, 2019Assignee: PayPal, Inc.Inventors: Luke Paul Nosek, Christopher Richman, Roelof Frederik Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Publication number: 20180137477Abstract: A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. In example embodiments, a request from a first entity to conduct a transaction involving a first value is received. Funds of the transaction are caused to be released prior to the transaction clearing a financial institution. Based on the transaction being rejected by the financial institution, at least a portion of the first value is charged against a credit source.Type: ApplicationFiled: November 13, 2017Publication date: May 17, 2018Inventors: Luke Nosek, Chris Richman, Roelof Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Patent number: 9818089Abstract: A system and method for making funds of a transaction available to a user before a funding entry clears is provided. The system may be part of an on-line system configured to facilitate payments or fund transfers from users. In example embodiments, a transaction request from a user is received. A risk score indicating a perceived risk involved with releasing funds before the funding entry clears is computed. Funds of the transaction are caused to be released prior to the funding entry clearing a financial institution based on the risk score exceeding a transfer threshold.Type: GrantFiled: July 3, 2014Date of Patent: November 14, 2017Assignee: PAYPAL, INC.Inventors: Luke Nosek, Chris Richman, Roelof Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Publication number: 20140316988Abstract: A system and method for making funds of a transaction available to a user before a funding entry clears is provided. The system may be part of an on-line system configured to facilitate payments or fund transfers from users. In example embodiments, a transaction request from a user is received. A risk score indicating a perceived risk involved with releasing funds before the funding entry clears is computed. Funds of the transaction are caused to be released prior to the funding entry clearing a financial institution based on the risk score exceeding a transfer threshold.Type: ApplicationFiled: July 3, 2014Publication date: October 23, 2014Inventors: Luke Nosek, Chris Richman, Roelof Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Publication number: 20140297519Abstract: A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction.Type: ApplicationFiled: January 6, 2014Publication date: October 2, 2014Applicant: eBay Inc.Inventors: Huey Lin, Max R. Levchin, Gina Han, Ted Levan, Daniele Levy, Chris McGraw, Erik Klein, Greg Cervelli, Steven Wo, Carl Freeland, May Chen, Kristen Wilson, Jason Nielson, Kyle Haffey, Julie Gonzales, Denise Aptekar
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Patent number: 8775306Abstract: A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. In example embodiments, a request from a first entity to conduct a transaction involving a first value is received. Funds of the transaction are caused to be released prior to the transaction clearing a financial institution. Based on the transaction being rejected by the financial institution, at least a portion of the first value is charged against a credit source.Type: GrantFiled: July 11, 2012Date of Patent: July 8, 2014Assignee: PayPal Inc.Inventors: Luke Paul Nosek, Christopher Richman, Roelof Frederik Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Patent number: 8738526Abstract: A system and method for making proceeds of an ACH (Automated Clearinghouse) transaction available to a user before the transaction is completed. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. A user requests the transfer of funds to an entity (e.g., another user, a merchant, the user's account with the system) via an ACH entry. The system calculates a risk associated with the user, while considering various data (e.g., number of previous ACH entries, how many failed, how many succeeded, amount of the transfer). If the risk is low enough, the ACH entry is initiated and the desired funds are released for the transfer even before the ACH entry clears. The ACH entry may be presented as a default choice for funding the transfer.Type: GrantFiled: October 6, 2011Date of Patent: May 27, 2014Assignee: PayPal Inc.Inventors: Luke Paul Nosek, Christopher Richman, Roelof Frederik Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Patent number: 8626651Abstract: A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction.Type: GrantFiled: December 15, 2009Date of Patent: January 7, 2014Assignee: eBay Inc.Inventors: Huey Lin, Max Levchin, Gina Han, Theodore Douglas Levan, Dan Levy, Chris McGraw, Erik Klein, Greg Cervelli, Steven Wo, Carl Freeland, May Chen, Kristen Wilson, Jason Nielson, Kyle Haffey, Julie Gonzales, Denise Aptekar
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Publication number: 20120278239Abstract: A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. In example embodiments, a request from a first entity to conduct a transaction involving a first value is received. Funds of the transaction are caused to be released prior to the transaction clearing a financial institution. Based on the transaction being rejected by the financial institution, at least a portion of the first value is charged against a credit source.Type: ApplicationFiled: July 11, 2012Publication date: November 1, 2012Inventors: Luke Paul Nosek, Christopher Richman, Roelof Frederik Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Publication number: 20120041876Abstract: A system and method for making proceeds of an ACH (Automated Clearinghouse) transaction available to a user before the transaction is completed. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. A user requests the transfer of funds to an entity (e.g., another user, a merchant, the user's account with the system) via an ACH entry. The system calculates a risk associated with the user, while considering various data (e.g., number of previous ACH entries, how many failed, how many succeeded, amount of the transfer). If the risk is low enough, the ACH entry is initiated and the desired funds are released for the transfer even before the ACH entry clears. The ACH entry may be presented as a default choice for funding the transfer.Type: ApplicationFiled: October 6, 2011Publication date: February 16, 2012Inventors: Luke Paul Nosek, Christopher Richman, Roelof Frederik Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Patent number: 8050997Abstract: A system and method for making proceeds of an ACH (Automated Clearinghouse) transaction available to a user before the transaction is completed. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. A user requests the transfer of funds to an entity (e.g., another user, a merchant, the user's account with the system) via an ACH entry. The system calculates a risk associated with the user, while considering various data (e.g., number of previous ACH entries, how many failed, how many succeeded, amount of the transfer). If the risk is low enough, the ACH entry is initiated and the desired funds are released for the transfer even before the ACH entry clears. The ACH entry may be presented as a default choice for funding the transfer.Type: GrantFiled: August 26, 2002Date of Patent: November 1, 2011Assignee: PayPal Inc.Inventors: Luke Paul Nosek, Christopher Richman, Roelof Frederik Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
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Patent number: 7870066Abstract: A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction.Type: GrantFiled: April 30, 2004Date of Patent: January 11, 2011Assignee: eBay Inc.Inventors: Huey Lin, Max Levchin, Gina Han, Theodore Douglas LeVan, Dan Levy, Chris McGraw, Erik Klein, Greg Cervelli, Steven Wo, Carl Freeland, May Chen, Kristen Wilson, Jason Nielsen, Kyle Haffey, Julie Gonzales, Denise Aptekar
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Publication number: 20100100483Abstract: A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction.Type: ApplicationFiled: December 15, 2009Publication date: April 22, 2010Inventors: Huey Lin, Max Levchin, Gina Han, Theodore Douglas Levin, Dan Levy, Chris McGraw, Erik Klein, Greg Cervelli, Steven Wo, Carl Freeland, May Chen, Kristen Wilson, Jason Nielson, Kyle Haffey, Julie Gonzales, Denise Aptekar
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Publication number: 20050125340Abstract: A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction.Type: ApplicationFiled: April 30, 2004Publication date: June 9, 2005Inventors: Huey Lin, Max Levchin, Gina Han, Theodore LeVan, Dan Levy, Chris McGraw, Erik Klein, Greg Cervelli, Steven Wo, Carl Freeland, May Chen, Kristen Wilson, Jason Nielsen, Kyle Haffey, Julie Gonzales, Denise Aptekar