Patents by Inventor Heath Kamp

Heath Kamp 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: 20230351344
    Abstract: Systems and methods for establishing a pull payment relationship are disclosed. A method includes: generating, by a computing system, a transaction code associated with a payee; receiving, by the computing system and from a user device associated with a payor, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during a contact or a near-contact event; establishing, by the computing system, a payment relationship between the payee and the payor responsive to receiving the transaction codes from the user device associated with the payor; receiving, by the computing system, a payment request; determining, by the computing system, that the received transaction codes contained in the payment request match the transaction codes of the payee and the payor stored by the computing system; and processing, by the computing system, the received payment request.
    Type: Application
    Filed: July 3, 2023
    Publication date: November 2, 2023
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Daniel David, Jonathan A. Hartsell, Heath Kamp, Sarah W. Phelps, Philip Sprague, Christina Zikeli
  • Patent number: 11734657
    Abstract: A method includes generating a transaction code associated with a payee; generating and providing a payee device token to a payee user device; receiving an indication of a contact or a near-contact event between the payee user device and a payor user device; receiving from the payor user device, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during the contact or near-contact event; establishing a payment relationship between the payee and the payor responsive to receiving the indication and the transaction codes from the payor user device; receiving a payment request; determining that the payment request originated from the user device identified by the payee device token, and that the received transaction codes contained in the payment request match stored transaction codes of the payee and the payor contained in a database; and processing the received payment request.
    Type: Grant
    Filed: October 10, 2022
    Date of Patent: August 22, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Daniel David, Jonathan A. Hartsell, Heath Kamp, Sarah W. Phelps, Philip Sprague, Christina Zikeli
  • Patent number: 11468414
    Abstract: Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.
    Type: Grant
    Filed: October 3, 2016
    Date of Patent: October 11, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Daniel David, Jonathan A. Hartsell, Heath Kamp, Sarah W. Phelps, Philip Sprague, Christina Zikeli
  • Publication number: 20210082005
    Abstract: Systems, methods, and apparatuses using a server system including a processor and memory having instructions stored in non-transitory machine-readable media. The server system is structured to couple to an account of a donor, receive financial history from the account, analyze a financial health of the donor based, at least in part, on the financial history, identify a topic of interest of the donor based, at least in part, on the financial history, recommend at least one of a plurality of charities to the donor based at least in part on the topic of interest of the donor, and recommend a donation amount to one of the plurality of charities based at least in part on the financial health of the donor.
    Type: Application
    Filed: August 31, 2016
    Publication date: March 18, 2021
    Inventors: Daniel David, Jonathan A. Hartsell, Heath Kamp, Sarah W. Phelps, Philip Sprague, Christina Zikeli