Patents by Inventor Francis Pavlik

Francis Pavlik 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).

  • Message handling at a mobile gateway for managing data structures and sub-structures
    Patent number: 10956913
    Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: March 23, 2021
    Assignee: First Data Corporation
    Inventors: Jigar Desai, Francis Pavlik, Scott Sanchez, Scott Francis, Deneen Luxford, Eva Russo, Phillip Wiggins, Matthew Borenstein
  • MESSAGE HANDLING AT A MOBILE GATEWAY FOR MANAGING DATA STRUCTURES AND SUB-STRUCTURES
    Publication number: 20190333065
    Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
    Type: Application
    Filed: May 14, 2019
    Publication date: October 31, 2019
    Applicant: First Data Corporation
    Inventors: Jigar Desai, Francis Pavlik, Scott Sanchez, Scott Francis, Deneen Luxford, Eva Russo, Phillip Wiggins, Matthew Borenstein
  • Message handling at a mobile gateway for managing data structures and sub-structures
    Patent number: 10332119
    Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
    Type: Grant
    Filed: September 18, 2015
    Date of Patent: June 25, 2019
    Assignee: First Data Corporation
    Inventors: Jigar Desai, Francis Pavlik, Scott Sanchez, Scott Francis, Deneen Luxford, Eva Russo, Phillip Wiggins, Matthew Borenstein
  • MESSAGE HANDLING AT A MOBILE GATEWAY FOR MANAGING DATA STRUCTURES AND SUB-STRUCTURES
    Publication number: 20160086160
    Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
    Type: Application
    Filed: September 18, 2015
    Publication date: March 24, 2016
    Applicant: First Data Corporation
    Inventors: JIGAR DESAI, Francis Pavlik, Scott Sanchez, Scott Francis, Deneen Luxford, Eva Russo, Phillip Wiggins, Matthew Borenstein