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).

  • Publication number: 20240420110
    Abstract: 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: Application
    Filed: September 2, 2024
    Publication date: December 19, 2024
    Applicant: 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
  • Patent number: 12112307
    Abstract: 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: Grant
    Filed: January 6, 2023
    Date of Patent: October 8, 2024
    Assignee: 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
  • Patent number: 12106281
    Abstract: 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: Grant
    Filed: January 6, 2023
    Date of Patent: October 1, 2024
    Assignee: 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
  • Patent number: 12086784
    Abstract: 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: Grant
    Filed: January 6, 2023
    Date of Patent: September 10, 2024
    Assignee: 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
  • Patent number: 12079795
    Abstract: 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: Grant
    Filed: April 13, 2022
    Date of Patent: September 3, 2024
    Assignee: 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
  • Publication number: 20240211905
    Abstract: 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: Application
    Filed: March 6, 2024
    Publication date: June 27, 2024
    Applicant: 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
  • Patent number: 11948134
    Abstract: 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: Grant
    Filed: January 9, 2023
    Date of Patent: April 2, 2024
    Assignee: 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
  • Patent number: 11551190
    Abstract: 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: Grant
    Filed: June 3, 2019
    Date of Patent: January 10, 2023
    Assignee: 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
  • Publication number: 20220414636
    Abstract: 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: Application
    Filed: September 2, 2022
    Publication date: December 29, 2022
    Inventors: James C. Noe, Ian D. A. Maddocks, Sowmya R. Lakka
  • Patent number: 11455612
    Abstract: 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: Grant
    Filed: September 18, 2015
    Date of Patent: September 27, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: James C Noe, Ian D A Maddocks, Sowmya R Lakka
  • Patent number: 10062077
    Abstract: 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: Grant
    Filed: July 16, 2017
    Date of Patent: August 28, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe
  • Patent number: 9916696
    Abstract: 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: Grant
    Filed: December 12, 2016
    Date of Patent: March 13, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED PURCHASE
    Inventors: Michael J. Cowen, James C. Noe
  • Publication number: 20170316413
    Abstract: 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: Application
    Filed: July 16, 2017
    Publication date: November 2, 2017
    Inventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe
  • Patent number: 9727865
    Abstract: 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: Grant
    Filed: March 18, 2015
    Date of Patent: August 8, 2017
    Assignee: Mastercard International Incorporated Purchase
    Inventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe
  • Publication number: 20170092016
    Abstract: 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: Application
    Filed: December 12, 2016
    Publication date: March 30, 2017
    Inventors: Michael J. Cowen, James C. Noe
  • Patent number: 9520003
    Abstract: 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: Grant
    Filed: March 18, 2015
    Date of Patent: December 13, 2016
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael J. Cowen, James C. Noe
  • Publication number: 20160140535
    Abstract: 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: Application
    Filed: September 18, 2015
    Publication date: May 19, 2016
    Inventors: James C. Noe, Ian D. A. Maddocks, Sowmya R. Lakka
  • Publication number: 20160071100
    Abstract: 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: Application
    Filed: September 4, 2015
    Publication date: March 10, 2016
    Inventors: James C. Noe, Michael J. Cowen, Sagitha George, David A. Roberts, Anouska Ladds
  • Publication number: 20150269786
    Abstract: 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: Application
    Filed: March 18, 2015
    Publication date: September 24, 2015
    Inventors: Michael J. Cowen, James C. Noe
  • Publication number: 20150269572
    Abstract: 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: Application
    Filed: March 18, 2015
    Publication date: September 24, 2015
    Inventors: Edward W. Judge, Anouska Ladds, Michael J. Cowen, James C. Noe