Patents by Inventor Libby Kurien

Libby Kurien 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).

  • Digital currency aggregation processing
    Patent number: 12198113
    Abstract: A method is disclosed. The method comprises receiving, by a processing network computer, a plurality of clearing files from a plurality of transport computers. The processing network computer may then generate, based on the data in the plurality of clearing files, a settlement file comprising a first settlement amount and a first destination associated with an account at a custodian computer. The processing network computer may then transmit the settlement file to an authorizing entity computer. The processing network computer may then transmit a transfer instruction file comprising the first destination, a second settlement amount, and a second destination associated with a transport computer to a custodian computer. Later, the authorizing entity computer sends the first settlement amount to the first destination at the custodian computer. Then the custodian computer, or the processing network computer, sends the second settlement amount to the second destination associated with the transport computer.
    Type: Grant
    Filed: June 24, 2021
    Date of Patent: January 14, 2025
    Assignee: Visa International Service Association
    Inventors: Raj Parekh, Libby Kurien, Cuy Sheffield
  • Digital Currency Aggregation Processing
    Publication number: 20230109085
    Abstract: A method is disclosed. The method comprises receiving, by a processing network computer, a plurality of clearing files from a plurality of transport computers. The processing network computer may then generate, based on the data in the plurality of clearing files, a settlement file comprising a first settlement amount and a first destination associated with an account at a custodian computer. The processing network computer may then transmit the settlement file to an authorizing entity computer. The processing network computer may then transmit a transfer instruction file comprising the first destination, a second settlement amount, and a second destination associated with a transport computer to a custodian computer. Later, the authorizing entity computer sends the first settlement amount to the first destination at the custodian computer. Then the custodian computer, or the processing network computer, sends the second settlement amount to the second destination associated with the transport computer.
    Type: Application
    Filed: June 24, 2021
    Publication date: April 6, 2023
    Applicant: Visa International Service Association
    Inventors: Raj Parekh, Libby Kurien, Cuy Sheffield