Patents by Inventor Dhruvkumar PATEL

Dhruvkumar PATEL 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).

  • ELECTRONIC PAYMENT SYSTEM WITH TOKENIZED CUSTOMER ACCOUNT INFORMATION AND ENHANCED RETURN PROCESSING
    Publication number: 20260203753
    Abstract: An originator interface is provided that is configured to present, to a given payment originator, access to a given electronic origin account. An originating system is provided that is configured to be secure and to manage the given electronic origin account to effect payments via electronic transfer. The originator interface and originating system are configured to initiate a given electronic payment to a given recipient electronic account.
    Type: Application
    Filed: January 10, 2025
    Publication date: July 16, 2026
    Applicant: JP Morgan Chase Bank, N.A.
    Inventors: Varun Pandey, Dhruvkumar Patel, Varun Awasthi, Hanamantgouda Naganur, Santoshkumar Nayak, Siewyee Lai, Praveen Nareddy
  • SYSTEMS AND METHODS FOR PROCESSING STEAMS OF BALANCE TRANSFER DATA RECORDS
    Publication number: 20240232832
    Abstract: A method may include a producer application receiving balance transfer request data, formatting the balance transfer request data into a plurality of balance transfer data records, and streaming the plurality of balance transfer data records to an event streaming platform. A method may include an event streaming platform formatting the plurality of balance transfer data records into a partition and sending the balance transfer data records in a sequential order to a consuming application. A method may include a consuming application sending a first part of the balance transfer data records to a real-time payment network for settlement of a payment indicated in the first part of the balance transfer data records and sending a second part of the balance transfer data records to a posting application for posting to an electronic account balance ledger.
    Type: Application
    Filed: October 25, 2022
    Publication date: July 11, 2024
    Inventors: Varun PANDEY, Sofia FREYDER, Dhruvkumar PATEL, Santoshkumar NAYAK, Varun AWASTHI, Praveen NAREDDY, Leonard HAWKES, Naganur HANAMANTGOUDA, Andres NATER ACOSTA, Ana GARCIA
  • SYSTEMS AND METHODS FOR PROCESSING STEAMS OF BALANCE TRANSFER DATA RECORDS
    Publication number: 20240135344
    Abstract: A method may include a producer application receiving balance transfer request data, formatting the balance transfer request data into a plurality of balance transfer data records, and streaming the plurality of balance transfer data records to an event streaming platform. A method may include an event streaming platform formatting the plurality of balance transfer data records into a partition and sending the balance transfer data records in a sequential order to a consuming application. A method may include a consuming application sending a first part of the balance transfer data records to a real-time payment network for settlement of a payment indicated in the first part of the balance transfer data records and sending a second part of the balance transfer data records to a posting application for posting to an electronic account balance ledger.
    Type: Application
    Filed: October 24, 2022
    Publication date: April 25, 2024
    Inventors: Varun PANDEY, Sofia FREYDER, Dhruvkumar PATEL, Santoshkumar NAYAK, Varun AWASTHI, Praveen NAREDDY, Leonard HAWKES, Naganur HANAMANTGOUDA, Andres NATER ACOSTA, Ana GARCIA