Patents by Inventor Gagan Kanjlia
Gagan Kanjlia 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: 11893631Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: GrantFiled: March 1, 2023Date of Patent: February 6, 2024Assignee: Capital One Services, LLCInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
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Publication number: 20230325914Abstract: The system and methods provide an account holder with a mobile spend feed. The systems and methods include a database that stores information associated with at least one previous financial transaction performed via a financial account held by the account holder, a transaction processor that receives transaction data associated with a financial transaction performed by the account holder using the financial account, and stores the transaction data in the database, and a purchase history processor creates a spend feed based at least in part on the transaction data and the previous transaction information, and provides the spend feed to the account holder.Type: ApplicationFiled: June 1, 2023Publication date: October 12, 2023Inventors: Jeremy Rephlo, Gagan Kanjlia
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Patent number: 11715153Abstract: The system and methods provide an account holder with a mobile spend feed. The systems and methods include a database that stores information associated with at least one previous financial transaction performed via a financial account held by the account holder, a transaction processor that receives transaction data associated with a financial transaction performed by the account holder using the financial account, and stores the transaction data in the database, and a purchase history processor creates a spend feed based at least in part on the transaction data and the previous transaction information, and provides the spend feed to the account holder.Type: GrantFiled: April 2, 2018Date of Patent: August 1, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy Rephlo, Gagan Kanjlia
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Publication number: 20230206318Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: ApplicationFiled: March 1, 2023Publication date: June 29, 2023Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Vishal PURI, Michael B. KIERNAN, Evan S. KLEIN
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Publication number: 20230169586Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider may monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.Type: ApplicationFiled: January 12, 2023Publication date: June 1, 2023Applicant: Capital One Services, LLCInventors: Ashish JAIN, Vishal PURI, David DAO, Gagan KANJLIA
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Publication number: 20230105919Abstract: In some embodiments, one or more user interfaces for facilitating personal payment transactions may be provided. In some embodiments, one or more first interfaces may be generated for a payer to effectuate a personal payment transaction. A location of a user device associated with the payer may be obtained. Based on the obtained location of the user device, one or more suggested payees for presentation on the first interfaces may be provided. An indication of a selected payee (from the suggested payees) may be obtained from the payer via the first interfaces. Options to fund a personal payment to the selected payee may be provided for presentation on the first interfaces. One or more options for routing the personal payment associated with the personal payment transaction may be provided to the payer via the first interfaces.Type: ApplicationFiled: September 8, 2022Publication date: April 6, 2023Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
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Patent number: 11615465Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: GrantFiled: November 19, 2020Date of Patent: March 28, 2023Assignee: Capital One Services, LLCInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
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Patent number: 11580596Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.Type: GrantFiled: July 17, 2019Date of Patent: February 14, 2023Assignee: Capital One Services, LLCInventors: Ashish Jain, Vishal Puri, David Dao, Gagan Kanjlia
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Patent number: 11538102Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In some embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.Type: GrantFiled: September 23, 2020Date of Patent: December 27, 2022Assignee: Capital One Services, LLCInventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
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Publication number: 20210082043Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: ApplicationFiled: November 30, 2020Publication date: March 18, 2021Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Vishal PURI, Michael B. KIERNAN, Evan S. KLEIN
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Publication number: 20210073904Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: ApplicationFiled: November 19, 2020Publication date: March 11, 2021Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Vishal PURI, Michael B. KIERNAN, Evan S. KLEIN
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Publication number: 20210004898Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In some embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.Type: ApplicationFiled: September 23, 2020Publication date: January 7, 2021Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
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Patent number: 10885579Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.Type: GrantFiled: October 22, 2018Date of Patent: January 5, 2021Assignee: Capital One Services, LLCInventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
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Patent number: 10853874Abstract: The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer.Type: GrantFiled: December 21, 2017Date of Patent: December 1, 2020Assignee: Capital One Services, LLCInventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya, Jay F. Pober
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Patent number: 10846791Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: GrantFiled: July 1, 2019Date of Patent: November 24, 2020Assignee: Capital One Services, LLCInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
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Publication number: 20200202314Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate.Type: ApplicationFiled: February 12, 2020Publication date: June 25, 2020Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Scott ZIMMER, Robert LARSON, Alexander WILSON, Vishal PURI, Jay F. POBER
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Patent number: 10586278Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.Type: GrantFiled: October 19, 2018Date of Patent: March 10, 2020Assignee: Capital One Services, LLC.Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
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Patent number: 10565571Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate.Type: GrantFiled: December 17, 2013Date of Patent: February 18, 2020Assignee: Capital One Services, LLCInventors: Gagan Kanjlia, Scott Zimmer, Robert J Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
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Publication number: 20190362418Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.Type: ApplicationFiled: July 1, 2019Publication date: November 28, 2019Applicant: CAPITAL ONE SERVICES, LLCInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
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Publication number: 20190355056Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.Type: ApplicationFiled: July 17, 2019Publication date: November 21, 2019Applicant: Capital One Services, LLCInventors: Ashish Jain, Vishal Puri, David Dao, Gagan Kanjlia