Patents by Inventor Richard S. JUST
Richard S. JUST 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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Patent number: 10977633Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: GrantFiled: January 23, 2020Date of Patent: April 13, 2021Assignee: Capital One Services, LLCInventors: Ben M. Coffman, Dennis S. Brennan, Richard S. Just, Joseph O'Brien, Katharine Anne Shea, Bryan Fearson, Timothy J. Austen, Shaun Webb, Nicholas Sheehan
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Patent number: 10719817Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.Type: GrantFiled: January 11, 2018Date of Patent: July 21, 2020Assignee: Capital One Services, LLCInventors: Richard S. Just, Cameron M. Geiser
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Publication number: 20200160302Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: ApplicationFiled: January 23, 2020Publication date: May 21, 2020Applicant: Capital One Services, LLCInventors: Ben M. Coffman, Dennis S. Brennan, Richard S. Just, Joseph O'Brien, Katharine Anne Shea, Bryan Fearson, Timothy J. Austen, Shaun Webb, Nicholas Sheehan
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Patent number: 10579976Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: GrantFiled: June 6, 2017Date of Patent: March 3, 2020Assignee: Capital One Services, LLCInventors: Ben M. Coffman, Dennis S. Brennan, Richard S. Just, Joseph O'Brien, Katharine Anne Shea, Bryan Fearson, Timothy J. Austen, Shaun Webb, Nicholas Sheehan
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Patent number: 10579975Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: GrantFiled: June 6, 2017Date of Patent: March 3, 2020Assignee: Capital One Services, LLCInventors: Ben M. Coffman, Dennis S. Brennan, Richard S. Just, Joseph O'Brien, Katharine Anne Shea, Bryan Fearson, Timothy J. Austen, Shaun Webb, Nicholas Sheehan
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Patent number: 10074080Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.Type: GrantFiled: November 5, 2014Date of Patent: September 11, 2018Assignee: Capital One Services, LLCInventors: Richard S. Just, Cameron M. Geiser
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Publication number: 20180150862Abstract: Systems and processes are disclosed for assisting and incentivizing a user to save money by avoiding impulsive purchases. In certain embodiments, disclosed embodiments may include mechanisms to receive a user-defined goal for saving money and to receive item identifying information relating to an item not purchased by the user in accomplishing the goal. The disclosed embodiments also include mechanisms that determine the price of the item based on the identifying information and determine the amount of savings based on the price of the item. The disclosed embodiments may also be configured to determine and offer a reward to the user based on the amount of savings and to provide to the user a history record of one or more items not purchased in accomplishing the user's goal.Type: ApplicationFiled: January 25, 2018Publication date: May 31, 2018Applicant: Capital One Financial CorporationInventors: Ben M. COFFMAN, Dennis S. BRENNAN, Richard S. JUST, Joseph O'BRIEN, Katharine Anne SHEA, Bryan FEARSON, Timothy J. AUSTEN, Shaun WEBB
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Publication number: 20180137482Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.Type: ApplicationFiled: January 11, 2018Publication date: May 17, 2018Applicant: Capital One Financial CorporationInventors: Richard S. Just, Cameron M. Geiser
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Publication number: 20180075419Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.Type: ApplicationFiled: November 14, 2017Publication date: March 15, 2018Applicant: Capital One Financial CorporationInventors: Richard S. Just, Cameron M. Geiser
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Publication number: 20180068283Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.Type: ApplicationFiled: November 14, 2017Publication date: March 8, 2018Applicant: Capital One Financial CorporationInventors: Richard S. Just, Cameron M. Geiser
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Publication number: 20180012306Abstract: Systems and methods for determining a transaction location based on transaction history data include storing, in a database, transaction history data related to a plurality of account holders, storing, in a database, location data for a plurality of locations, wherein each of the plurality of locations is associated with a respective merchant store location, receiving, via a network, transaction data associated with one of the plurality of account holders' recent transaction, obtaining, using a processor, the location data for a plurality of locations, retrieving, using a processor, transaction history data associated with the account holder from a transaction history data store associated with a financial institution, creating transactions clusters based on the transaction history data, analyzing a location associated with each of the transaction clusters and the location data, and determining a predicted transaction location based on the analysis of the one or more transaction clusters and the location dataType: ApplicationFiled: September 21, 2017Publication date: January 11, 2018Inventor: Richard S. JUST
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Publication number: 20170270499Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: ApplicationFiled: June 6, 2017Publication date: September 21, 2017Applicant: Capital One Services, LLCInventors: Ben M. Coffman, Dennis S. Brennan, Richard S. Just, Joseph O'Brien, Katherine Anne Shea, Bryan Fearson, Timothy J. Austen, Shaun Webb, Nicholas Sheehan
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Publication number: 20170270500Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: ApplicationFiled: June 6, 2017Publication date: September 21, 2017Applicant: Capital One Services, LLCInventors: Ben M. Coffman, Dennis S. Brennan, Richard S. Just, Joseph O'Brien, Katharine Anne Shea, Bryan Fearson, Timothy J. Austen, Shaun Webb, Nicholas Sheehan
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Publication number: 20150127541Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.Type: ApplicationFiled: November 5, 2014Publication date: May 7, 2015Applicant: Capital One Financial CorporationInventors: Richard S. Just, Cameron M. Geiser
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Publication number: 20140279311Abstract: Systems and methods for determining a transaction location based on transaction history data include storing, in a database, transaction history data related to a plurality of account holders, storing, in a database, location data for a plurality of locations, wherein each of the plurality of locations is associated with a respective merchant store location, receiving, via a network, transaction data associated with one of the plurality of account holders' recent transaction, obtaining, using a processor, the location data for a plurality of locations, retrieving, using a processor, transaction history data associated with the account holder from a transaction history data store associated with a financial institution, creating transactions clusters based on the transaction history data, analyzing a location associated with each of the transaction clusters and the location data, and determining a predicted transaction location based on the analysis of the one or more transaction clusters and the location dataType: ApplicationFiled: March 14, 2014Publication date: September 18, 2014Applicant: Capital One Financial CorporationInventor: Richard S. JUST
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Publication number: 20140164234Abstract: Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers.Type: ApplicationFiled: December 11, 2013Publication date: June 12, 2014Applicant: Capital One Financial CorporationInventors: Ben M. COFFMAN, Dennis S. BRENNAN, Richard S. JUST, Joseph O'BRIEN, Katharine Anne SHEA, Bryan FEARSON, Timothy J. AUSTEN, Shaun WEBB, Nicholas SHEEHAN
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Publication number: 20140164086Abstract: Systems and processes are disclosed for assisting and incentivizing a user to save money by avoiding impulsive purchases. In certain embodiments, disclosed embodiments may include mechanisms to receive a user-defined goal for saving money and to receive item identifying information relating to an item not purchased by the user in accomplishing the goal. The disclosed embodiments also include mechanisms that determine the price of the item based on the identifying information and determine the amount of savings based on the price of the item. The disclosed embodiments may also be configured to determine and offer a reward to the user based on the amount of savings and to provide to the user a history record of one or more items not purchased in accomplishing the user's goal.Type: ApplicationFiled: November 13, 2013Publication date: June 12, 2014Applicant: Capital One Financial CorporationInventors: Ben M. COFFMAN, Dennis S. BRENNAN, Richard S. JUST, Joseph O'BRIEN, Katharine Anne SHEA, Bryan FEARSON, Timothy J. AUSTEN, Shaun WEBB