Patents by Inventor Katelyn Schultz

Katelyn Schultz 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).

  • AUTOMATIC OPTIMAL PAYMENT TYPE DETERMINATION SYSTEMS
    Publication number: 20220101297
    Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.
    Type: Application
    Filed: December 14, 2021
    Publication date: March 31, 2022
    Inventors: Andrew Cohn, Katelyn Schultz, Fouad Alkisswani, Richard Elliott, Kylen Dau, Rajsaday Dutt, Marcelo Jabif Epsztejn
  • Automatic optimal payment type determination systems
    Patent number: 11238429
    Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: February 1, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Andrew Cohn, Katelyn Schultz, Fouad Alkisswani, Richard Elliott, Kylen Dau, Rajsaday Dutt, Marcelo Jabif Epsztejn
  • AUTOMATIC OPTIMAL PAYMENT TYPE DETERMINATION SYSTEMS
    Publication number: 20210158322
    Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.
    Type: Application
    Filed: November 25, 2019
    Publication date: May 27, 2021
    Inventors: Andrew Cohn, Katelyn Schultz, Fouad Alkisswani, Richard Elliott, Kylen Dau, Rajsaday Dutt, Marcelo Jabif Epsztejn