Patents by Inventor Janusz M. Niczyporuk

Janusz M. Niczyporuk 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).

  • 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: 20190005541
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Application
    Filed: September 6, 2018
    Publication date: January 3, 2019
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. POOLE, David E. KEATING, Drew JACOBS, Janusz M. NICZYPORUK, Luke A. HAMMOCK
  • Patent number: 10096042
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: October 9, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
  • Publication number: 20180121995
    Abstract: The disclosed embodiments include methods and systems for providing financial services for three-dimensional (3D) manufacturing. Consistent with disclosed embodiments, a system may receive a request and payment information from a user for producing a 3D manufacturing product. The system may then transmit the payment information to one or more vendors identified by the request. The system may also provide a registration number associated with the 3D manufacturing product to the user. The one or more vendors may include a manufacturer system and/or a designer system. The designer system may transmit a 3D design file associated with the 3D manufacturing product to the manufacturer after receiving the payment information associated with the 3D manufacturing product.
    Type: Application
    Filed: December 27, 2017
    Publication date: May 3, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Luke A. HAMMOCK, Janusz M. NICZYPORUK, Lawrence DOUGLAS
  • 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: 20150051960
    Abstract: A system for linking coupons to financial accounts using a mobile device that includes a financial institution database that stores an account of an account holder, a communication interface of a financial institution that receives, via a network, coupon data associated with one or more discounts from a mobile device of the account holder, a linking processor that associates the coupon data with the account of the account holder, an authorization network interface that receives transaction data relating to transactions associated with the account of the account holder, a comparison processor of a financial institution that determines compares the coupon data with the transaction data to determine whether a qualifying transaction has occurred, and a discount processor of a financial institution that provides a credit to an account holder when a qualifying transaction has occurred.
    Type: Application
    Filed: August 19, 2014
    Publication date: February 19, 2015
    Inventors: Ketan BARBARIA, Bor J. SUN, Janusz M. NICZYPORUK
  • Publication number: 20140358656
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier.
    Type: Application
    Filed: May 27, 2014
    Publication date: December 4, 2014
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. POOLE, David E. KEATING, Drew JACOBS, Janusz M. NICZYPORUK, Luke A. HAMMOCK
  • Publication number: 20140358660
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Application
    Filed: May 27, 2014
    Publication date: December 4, 2014
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. POOLE, David E. KEATING, Drew JACOBS, Janusz M. NICZYPORUK, Luke A. HAMMOCK
  • 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: 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: 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