Patents by Inventor James C. Noe
James C. Noe 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: 20240420110Abstract: Systems and methods for facilitating communication between computing systems may include a device which establishes a connection between a first application executing on a first server and a second application executing on a second server. The first application and the second application may be linked to a common account holder. The first application may transmit, to the second application, at least a portion of data associated with the common account holder and accessible via the first application. The first application may generate populated form fields for a form associated with the first application using data from the second application and the data received by the second application from the first application. The first application may generate a new account for the common account holder using the populated form fields received from the second application.Type: ApplicationFiled: September 2, 2024Publication date: December 19, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, James C. Noe, Imran Haider, Frank Fehrenbach, Guruprasadh Ragothaman, Matthew C. Strader, Palani Munuswamy, Chandra Subramanian, George Atala, Mattie L. Morris, Braden More, Loftlon Worth, Nathan B. Coles
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Patent number: 12112307Abstract: Systems and methods for providing early payment recommendations may include one or more processors establish a connection between a first data source and a second data source, and maintain a machine-learning model trained to ingest data from the first and second data source. The processor(s) may detect a data entry for an invoice between an enterprise and a third party via the connection, extract a trade term from the invoice responsive to detecting the data entry, apply the trade term to the machine-learning model as a first input, and apply data of the account of the second data source to the machine-learning model as second input. The processor(s) may receive, from the machine-learning model, an output including a score for early-payment of the data entry according to the trade term and the data of the account, and transmit a notification for the invoice to a computing device of the enterprise.Type: GrantFiled: January 6, 2023Date of Patent: October 8, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, James C. Noe, Imran Haider, Frank Fehrenbach, Guruprasadh Ragothaman, Matthew C. Strader, Palani Munuswamy, Chandra Subramanian, George Atala, Mattie L. Morris, Braden More, Loftlon Worth, Nathan B. Coles
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Patent number: 12106281Abstract: Systems and methods for receiving an enterprise resource dataset associated with the first entity, the enterprise resource dataset including an invoice data for the first entity, the invoice data including a first data entry including first value and a first maturity date and a second data entry including a second value and second maturity date, determining a predicted future account balance, determining based on the predicted future account balance, the first value, the second value, the first maturity date, the second maturity date, one or more financing options including a first finance option associated with the first data entry included in the invoice data, generating, a user interface display configured to be displayed within the enterprise application, the user interface display including the first finance option a selection of the first finance option, and initiating a first transfer to a second entity associated with the first data entry.Type: GrantFiled: January 6, 2023Date of Patent: October 1, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, James C. Noe, Imran Haider, Frank Fehrenbach, Guruprasadh Ragothaman, Matthew C. Strader, Palani Munuswamy, Chandra Subramanian, George Atala, Mattie L. Morris, Braden More, Loftlon Worth, Nathan B. Coles
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Patent number: 12086784Abstract: Systems and methods for receiving, from an enterprise application associated with a first entity, a first data entry including first value and a first maturity date and a second data entry including a second value and second maturity date, determining, a predicted future account balance, determining, based on the predicted future account balance, the first value, the second value, the first maturity date, the second maturity date, one or more financing options including a first finance option associated with the first data entry included in the invoice data, generating, a user interface display including the first finance option, receive, from the enterprise application, a selection of the first finance option, in response to receiving the selection of the first finance option, initiating, a first transfer to the first entity corresponding with the first value before the first maturity date.Type: GrantFiled: January 6, 2023Date of Patent: September 10, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, James C. Noe, Imran Haider, Frank Fehrenbach, Guruprasadh Ragothaman, Matthew C. Strader, Palani Munuswamy, Chandra Subramanian, George Atala, Mattie L. Morris, Braden More, Loftlon Worth, Nathan B. Coles
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Patent number: 12079795Abstract: Systems and methods for facilitating communication between computing systems may include a device which establishes a connection between a first application executing on a first server and a second application executing on a second server. The first application and the second application may be linked to a common account holder. The first application may transmit, to the second application, at least a portion of data associated with the common account holder and accessible via the first application. The first application may generate populated form fields for a form associated with the first application using data from the second application and the data received by the second application from the first application. The first application may generate a new account for the common account holder using the populated form fields received from the second application.Type: GrantFiled: April 13, 2022Date of Patent: September 3, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, James C. Noe, Imran Haider, Frank Fehrenbach, Guruprasadh Prasadh Ragothaman, Matthew C. Strader, Palani Munuswamy, Chandra Subramanian, George Atala, Mattie L. Morris, Braden More, Loftlon Worth, Nathan B. Coles
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Publication number: 20240211905Abstract: Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.Type: ApplicationFiled: March 6, 2024Publication date: June 27, 2024Applicant: Wells Fargo Bank, N.A.Inventors: Theresa Ann Clements, Daniel David, Shane D. Eaton, Albert Hwu, Derek D. Mohr, James C. Noe, Jacob T. Orth, Michelle E. Ziolkowski
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Patent number: 11948134Abstract: Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.Type: GrantFiled: January 9, 2023Date of Patent: April 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Theresa Ann Clements, Daniel David, Shane D. Eaton, Albert Hwu, Derek D. Mohr, James C. Noe, Jacob T. Orth, Michelle E. Ziolkowski
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Patent number: 11551190Abstract: Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.Type: GrantFiled: June 3, 2019Date of Patent: January 10, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Theresa Ann Clements, Daniel David, Shane D. Eaton, Albert Hwu, Derek D. Mohr, James C. Noe, Jacob T. Orth, Michelle E. Ziolkowski
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Publication number: 20220414636Abstract: A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier.Type: ApplicationFiled: September 2, 2022Publication date: December 29, 2022Inventors: James C. Noe, Ian D. A. Maddocks, Sowmya R. Lakka
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Patent number: 11455612Abstract: A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier.Type: GrantFiled: September 18, 2015Date of Patent: September 27, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: James C Noe, Ian D A Maddocks, Sowmya R Lakka
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Patent number: 10062077Abstract: A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.Type: GrantFiled: July 16, 2017Date of Patent: August 28, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe
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Patent number: 9916696Abstract: A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.Type: GrantFiled: December 12, 2016Date of Patent: March 13, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATED PURCHASEInventors: Michael J. Cowen, James C. Noe
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Publication number: 20170316413Abstract: A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.Type: ApplicationFiled: July 16, 2017Publication date: November 2, 2017Inventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe
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Patent number: 9727865Abstract: A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.Type: GrantFiled: March 18, 2015Date of Patent: August 8, 2017Assignee: Mastercard International Incorporated PurchaseInventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe
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Publication number: 20170092016Abstract: A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.Type: ApplicationFiled: December 12, 2016Publication date: March 30, 2017Inventors: Michael J. Cowen, James C. Noe
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Patent number: 9520003Abstract: A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.Type: GrantFiled: March 18, 2015Date of Patent: December 13, 2016Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Michael J. Cowen, James C. Noe
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Publication number: 20160140535Abstract: A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier.Type: ApplicationFiled: September 18, 2015Publication date: May 19, 2016Inventors: James C. Noe, Ian D. A. Maddocks, Sowmya R. Lakka
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Publication number: 20160071100Abstract: Methods and systems for processing transactions initiated at unattended terminals using user devices without visible credentials, and providing services concerning such transactions, are disclosed. A first party issues a set of pseudo credentials for a user device responsive to authorisation request data concerning a transaction initiated with a second party using the user device and provides the pseudo credentials to the second party, who maps such pseudo credentials to real credentials of the user device acquired from the user device during the transaction. The pseudo credentials are also provided to a user of the user device who submits such pseudo credentials to the second party during a subsequent enquiry concerning the transaction. To authenticate the user device, the second party requests authorisation from the first party using the pseudo credentials.Type: ApplicationFiled: September 4, 2015Publication date: March 10, 2016Inventors: James C. Noe, Michael J. Cowen, Sagitha George, David A. Roberts, Anouska Ladds
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Publication number: 20150269786Abstract: A method of inspecting a user device of a user of a transport system includes obtaining, by a portable inspection device, identification data of a user device of a user of a transport system; generating an inspection result of the user device, by an inspection system, in dependence on the read identification data and an item in a record within a database, wherein the record comprises a plurality of items each relating to entry data of a respective user device of a respective of users of the transport system; and conveying, by the portable inspection device, the result of the inspection.Type: ApplicationFiled: March 18, 2015Publication date: September 24, 2015Inventors: Michael J. Cowen, James C. Noe
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Publication number: 20150269572Abstract: A first request for a transfer of data is transmitted in response to the use of a user device; it is determined that the first request for the transfer of data has been declined; an event is detected that indicates that the transfer of data in response to the use of the user device can be accepted; and a second request for the transfer of data is transmitted in dependence on detecting that the event has occurred.Type: ApplicationFiled: March 18, 2015Publication date: September 24, 2015Inventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe