Patents by Inventor Krishna K. BHAGAVATULA

Krishna K. BHAGAVATULA 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).

  • SYSTEM AND METHOD FOR BILLPAY USING CREDIT-BASED PRODUCTS
    Publication number: 20230325799
    Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.
    Type: Application
    Filed: June 14, 2023
    Publication date: October 12, 2023
    Inventors: Howard SPECTOR, Krishna K. BHAGAVATULA, Scott H. OUELLETTE, Winter P. NG, Devin C. MOORE
  • System and method for billpay using credit-based products
    Patent number: 11748725
    Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.
    Type: Grant
    Filed: May 30, 2019
    Date of Patent: September 5, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Krishna K. Bhagavatula, Scott H. Ouellette, Winter P. Ng, Devin C. Moore
  • SYSTEM AND METHOD FOR BILLPAY USING CREDIT-BASED PRODUCTS
    Publication number: 20190370768
    Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.
    Type: Application
    Filed: May 30, 2019
    Publication date: December 5, 2019
    Inventors: Howard SPECTOR, Krishna K. BHAGAVATULA, Scott H. OUELLETTE, Winter P. NG, Devin C. MOORE