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).
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Publication number: 20210201399Abstract: 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: ApplicationFiled: March 17, 2021Publication date: July 1, 2021Applicant: Capital One Services, LLCInventors: Hannes M. JOUHIKAINEN, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 11030683Abstract: 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: GrantFiled: June 19, 2019Date of Patent: June 8, 2021Assignee: Capital One Services, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20200234316Abstract: 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: ApplicationFiled: April 3, 2020Publication date: July 23, 2020Applicant: Capital One Services, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 10650395Abstract: 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: GrantFiled: March 12, 2019Date of Patent: May 12, 2020Assignee: Capital One Services, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20190304013Abstract: 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: ApplicationFiled: June 19, 2019Publication date: October 3, 2019Applicant: Capital One Services, LLCInventors: Hannes M. JOUHIKAINEN, Luke A. HAMMOCK, Janusz M. NICZYPORUK
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Patent number: 10380684Abstract: 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: GrantFiled: November 28, 2017Date of Patent: August 13, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20190213609Abstract: 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: ApplicationFiled: March 12, 2019Publication date: July 11, 2019Applicant: Capital One Services, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 10235682Abstract: 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: GrantFiled: November 25, 2013Date of Patent: March 19, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20180082367Abstract: 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: ApplicationFiled: November 28, 2017Publication date: March 22, 2018Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 9858617Abstract: 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: GrantFiled: June 30, 2017Date of Patent: January 2, 2018Assignee: Capital One Financial CorporationInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20170301012Abstract: 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: ApplicationFiled: June 30, 2017Publication date: October 19, 2017Inventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Patent number: 9710850Abstract: 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: GrantFiled: November 25, 2013Date of Patent: July 18, 2017Assignee: CAPITAL ONE FINANCIAL CORPORATIONInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20140257922Abstract: 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: ApplicationFiled: November 25, 2013Publication date: September 11, 2014Applicant: Capital One Financial CorporationInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20140258092Abstract: 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: ApplicationFiled: November 25, 2013Publication date: September 11, 2014Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk
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Publication number: 20140258091Abstract: 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: ApplicationFiled: November 25, 2013Publication date: September 11, 2014Applicant: Capital One Financial CorporationInventors: Hannes M. Jouhikainen, Luke A. Hammock, Janusz M. Niczyporuk