Patents by Inventor Hannes M. Jouhikainen

Hannes M. Jouhikainen 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).

  • Publication number: 20210201399
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchantor with the second merchant.
    Type: Application
    Filed: March 17, 2021
    Publication date: July 1, 2021
    Applicant: Capital One Services, LLC
    Inventors: Hannes M. JOUHIKAINEN, Luke A. Hammock, Janusz M. Niczyporuk
  • Patent number: 11030683
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Grant
    Filed: June 19, 2019
    Date of Patent: June 8, 2021
    Assignee: Capital One Services, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20200234316
    Abstract: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers, The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
    Type: Application
    Filed: April 3, 2020
    Publication date: July 23, 2020
    Applicant: Capital One Services, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Patent number: 10650395
    Abstract: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: May 12, 2020
    Assignee: Capital One Services, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20190304013
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Application
    Filed: June 19, 2019
    Publication date: October 3, 2019
    Applicant: Capital One Services, LLC
    Inventors: Hannes M. JOUHIKAINEN, Luke A. HAMMOCK, Janusz M. NICZYPORUK
  • Patent number: 10380684
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Grant
    Filed: November 28, 2017
    Date of Patent: August 13, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20190213609
    Abstract: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
    Type: Application
    Filed: March 12, 2019
    Publication date: July 11, 2019
    Applicant: Capital One Services, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Patent number: 10235682
    Abstract: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
    Type: Grant
    Filed: November 25, 2013
    Date of Patent: March 19, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20180082367
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Application
    Filed: November 28, 2017
    Publication date: March 22, 2018
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Patent number: 9858617
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Grant
    Filed: June 30, 2017
    Date of Patent: January 2, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20170301012
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Application
    Filed: June 30, 2017
    Publication date: October 19, 2017
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Patent number: 9710850
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Grant
    Filed: November 25, 2013
    Date of Patent: July 18, 2017
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20140257922
    Abstract: The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs.
    Type: Application
    Filed: November 25, 2013
    Publication date: September 11, 2014
    Applicant: Capital One Financial Corporation
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20140258092
    Abstract: The disclosed embodiments include methods and systems for assessing financial account requests. In one embodiment, a method is disclosed that includes receiving a request from a borrower for a first financial account offered by a financial service provider. The method may also include collecting first lender information associated with the borrower and a first lender, where the lender information includes information associated with at least one first lender financial account offered by the first lender. In certain aspects, the method may further include analyzing the request based on the lender information and determining whether to approve the request for the first financial account based on the analysis of the request.
    Type: Application
    Filed: November 25, 2013
    Publication date: September 11, 2014
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
  • Publication number: 20140258091
    Abstract: The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant.
    Type: Application
    Filed: November 25, 2013
    Publication date: September 11, 2014
    Applicant: Capital One Financial Corporation
    Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk