Patents by Inventor Pradeep Ittycheria
Pradeep Ittycheria 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).
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Publication number: 20200051108Abstract: Reward payments are applied to a first account and/or any linked second accounts at a financial institution. A computer program determines whether the first account qualifies for application of a reward based upon criteria from multiple holder accounts, which may be a first alternate interest rate and/or a reward payment formula. The program communicates application of the reward to the first account and/or any linked second accounts for an accounting period applicable to the reward if the first account qualifies for the reward. In an event wherein the first account does not qualify for the reward, the program communicates application of the base interest rate to the first account and/or any linked second accounts for an accounting period applicable to the base interest rate.Type: ApplicationFiled: August 5, 2019Publication date: February 13, 2020Inventors: Gabriel M. Krajicek, Donald G. Shafer, Timothy L. Eisenman, Paul R. Barton, Shawn W. Chapman, John A. Waupsh, Pradeep Ittycheria, Diane R. Christensen
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Publication number: 20190318423Abstract: Systems and methods for issuing and managing flexible loans are described. Payments on such flexible loans may be applied according to a prescribed set of rules, and a borrower may be permitted to withdraw funds from a flexible loan account or skip a payment on the flexible loan account if one or more criteria are met.Type: ApplicationFiled: April 17, 2019Publication date: October 17, 2019Inventors: Gabriel Kajicek, Ben Morrison, John Waupsh, Diane Christensen, Christopher Cohen, Pradeep Ittycheria
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Publication number: 20180158139Abstract: Systems and methods for issuing and managing flexible loans are described. Payments on such flexible loans may be applied according to a prescribed set of rules, and a borrower may be permitted to withdraw funds from a flexible loan account or skip a payment on the flexible loan account if one or more criteria are met.Type: ApplicationFiled: December 6, 2017Publication date: June 7, 2018Inventors: Gabriel Krajicek, Ben Morrison, John Waupsh, Diane Christensen, Christopher Cohen, Pradeep Ittycheria
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Patent number: 9203845Abstract: A method of providing control preferences set by a person for a second person who is a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database; linking the first and second accounts such that control settings of the second account are determined through the first account; and viewing Internet content from the second account consistent with the control settings of the second account.Type: GrantFiled: September 3, 2010Date of Patent: December 1, 2015Assignee: VIRTUAL PIGGY, INC.Inventors: Jo Webber, Pradeep Ittycheria
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Patent number: 8812395Abstract: A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account.Type: GrantFiled: September 28, 2011Date of Patent: August 19, 2014Assignee: Virtual Piggy, Inc.Inventors: Jo Webber, Pradeep Ittycheria
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Patent number: 8762230Abstract: A non-transitory computer-readable storage medium, storing one or more programs configured for execution, the one or more programs for monitoring, transmitting, and recording usage of a computer or mobile device connected to a network, the one or more programs including instructions for establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database, wherein the second account includes a wish-list; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the wish-list of the second account consistent with the control settings of the second account.Type: GrantFiled: March 27, 2012Date of Patent: June 24, 2014Assignee: Virtual Piggy, Inc.Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20140101730Abstract: A method of verifying the age of a prospective Internet user comprises establishing an age check account; receiving information about a user, the information including an alleged age of the user; sending the information to be verified; and receiving a notification that the information has been verified.Type: ApplicationFiled: December 13, 2013Publication date: April 10, 2014Applicant: VIRTUAL PIGGY, INC.Inventors: Jo WEBBER, Pradeep ITTYCHERIA
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Patent number: 8650621Abstract: A method of verifying the age of a prospective Internet user comprises establishing an age check account; receiving information about a user, the information including an alleged age of the user; sending the information to be verified; and receiving a notification that the information has been verified.Type: GrantFiled: September 3, 2010Date of Patent: February 11, 2014Assignee: Virtual Piggy, Inc.Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20130254106Abstract: A method and system for purchasing a gift card and making a charitable donation using one or more computers comprising a non-transitory computer readable medium, a program, and a computer executable program code, the method comprising the steps of establishing a first account; establishing a second account; linking the first and second accounts; using either the first account or the second account to purchase a gift card from an online merchant; and distributing a charitable donation from the online merchant to a charitable organization after the gift card is purchased.Type: ApplicationFiled: May 23, 2013Publication date: September 26, 2013Applicant: Virtual Piggy, Inc.Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20130110670Abstract: A non-transitory computer-readable storage medium, storing one or more programs configured for execution, the one or more programs for monitoring, transmitting, and recording usage of a computer or mobile device connected to a network, the one or more programs including instructions for establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database, wherein the second account includes a wish-list; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the wish-list of the second account consistent with the control settings of the second account.Type: ApplicationFiled: March 27, 2012Publication date: May 2, 2013Applicant: Virtual Piggy, Inc.Inventors: Jo WEBBER, Pradeep Ittycheria
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Publication number: 20120303523Abstract: A computer-implemented method of establishing an online account for a prospective user, the method comprising the steps of establishing a first account through direct deposit, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database, wherein the second account includes a debit card associated with the direct deposit account; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a donation from the second account using the debit card consistent with the control settings of the second account.Type: ApplicationFiled: August 6, 2012Publication date: November 29, 2012Inventors: Jo WEBBER, Pradeep Ittycheria
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Publication number: 20120278202Abstract: A computer-implemented method of establishing an online account for a prospective user, comprising the steps of presenting to a first user a merchant system through a network; receiving from the first user a product selected from the merchant system for purchase; presenting an online account icon for a banking system to the first user to initiate payment for the selected product; once the icon is selected by the first user, determining if the user has an account with the banking system, and if not, prompting the first user to enter a second user's contact information; contacting the second user by electronic messaging with a request to approve the first user's purchase; and upon receiving the approval, creating the online account for the first user.Type: ApplicationFiled: March 27, 2012Publication date: November 1, 2012Applicant: Virtual Piggy, Inc.Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20120278233Abstract: A computer-implemented method of establishing an online account for a prospective user, the method comprising the steps of establishing a first account through direct deposit, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database, wherein the second account includes a debit card associated with the direct deposit account; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account using the debit card consistent with the control settings of the second account.Type: ApplicationFiled: March 27, 2012Publication date: November 1, 2012Applicant: Virtual Piggy, Inc.Inventors: Jo WEBBER, Pradeep ITTYCHERIA
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Publication number: 20120259740Abstract: A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account.Type: ApplicationFiled: September 28, 2011Publication date: October 11, 2012Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20120005582Abstract: A persistent software system and method for allowing parents or persons responsible for children to record and playback a child's activities on a web based system. A playback software utility implemented as a web-service or as an embedded web-based system to record all user activities and support playback as if the user's activity was recorded in real-time. This invention consists of a set of recording and playback software scripts that can be executed via a web service or can reside on a service requesting web based system. The invention consists of a player that allows for the recorded activity to be played back either on the web based system that requested the service or a third party application.Type: ApplicationFiled: September 3, 2010Publication date: January 5, 2012Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20110185400Abstract: A method of verifying the age of a prospective Internet user comprises establishing an age check account; receiving information about a user, the information including an alleged age of the user; sending the information to be verified; and receiving a notification that the information has been verified.Type: ApplicationFiled: September 3, 2010Publication date: July 28, 2011Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20110185399Abstract: A method of providing control preferences set by a person for a second person who is a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database; linking the first and second accounts such that control settings of the second account are determined through the first account; and viewing Internet content from the second account consistent with the control settings of the second account.Type: ApplicationFiled: September 3, 2010Publication date: July 28, 2011Inventors: Jo Webber, Pradeep Ittycheria
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Publication number: 20110184855Abstract: A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account bcinj stored in a database; establishing a second account, the settings of the second account being stored in the database: linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account.Type: ApplicationFiled: September 3, 2010Publication date: July 28, 2011Inventors: Jo Webber, Pradeep Ittycheria