Patents by Inventor Patricia J. Chouanard-Mcadam

Patricia J. Chouanard-Mcadam 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).

  • SYSTEMS AND METHODS FOR SCHEDULING BUSINESS-TO-INDIVIDUAL PAYMENTS
    Publication number: 20200034813
    Abstract: Systems and methods for facilitating transactions include determining an amount of funds that a payer owes a payee, determining a first payment offer that is for the amount of funds that the payer owes the payee and a first target payment date, providing the first payment offer to the payee, receiving a user input from a payee device, generating a second payment offer of an offered amount of funds and a second target payment date where the offered amount of funds is lower than the amount of funds that the payer owes the payee and the second target payment date is prior to the first target payment date, providing a notification to the payee, receiving a user input from the payee device, and initiating an electronic funds transfer from a source account of the payer to a target account of the payee.
    Type: Application
    Filed: July 30, 2018
    Publication date: January 30, 2020
    Inventors: Millicent Calinog, Patricia J. Chouanard-Mcadam, Chris Kalaboukis, Kristine Ing Kushner, Muhammad Farukh Munir, Raissa Williams