Patents by Inventor Richard W. HEARD
Richard W. HEARD 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: 11921894Abstract: In particular embodiments, a data processing data inventory generation system is configured to: (1) generate a data model (e.g., a data inventory) for one or more data assets utilized by a particular organization; (2) generate a respective data inventory for each of the one or more data assets; and (3) map one or more relationships between one or more aspects of the data inventory, the one or more data assets, etc. within the data model. In particular embodiments, a data asset (e.g., data system, software application, etc.) may include any entity that collects, processes, contains, and/or transfers personal data (e.g., a software application, database, website, server, etc.). A data asset may include any software or device (e.g., server or servers) utilized by a particular entity for such data collection, processing, transfer, storage, etc. The system may then utilize the generated model to fulfil a data subject access request.Type: GrantFiled: May 3, 2021Date of Patent: March 5, 2024Assignee: OneTrust, LLCInventors: Kabir A. Barday, Mihir S. Karanjkar, Steven W. Finch, Ken A. Browne, Nathan W. Heard, Aakash H. Patel, Jason L. Sabourin, Richard L. Daniel, Dylan D. Patton-Kuhl, Jonathan Blake Brannon
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Publication number: 20230394464Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.Type: ApplicationFiled: August 17, 2023Publication date: December 7, 2023Applicant: Apple Inc.Inventors: Aaron M. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11810100Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.Type: GrantFiled: May 31, 2022Date of Patent: November 7, 2023Assignee: Apple Inc.Inventors: Michael Artemiw, Aaron M. Melim, Ashish C. Nagre, Christine A. Franco, David T. Haggerty, Fadi S. Obeid, Glen W. Steele, Katie M. McIndoe, Mischa K. McLachlan, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11769141Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.Type: GrantFiled: September 19, 2022Date of Patent: September 26, 2023Assignee: Apple Inc.Inventors: Aaron M. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Publication number: 20230252558Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: ApplicationFiled: April 13, 2023Publication date: August 10, 2023Inventors: Marcel VAN OS, Stacey R. ABRAMS, Jae Woo CHANG, Steven EASTCOTT, Jarad M. FISHER, Christine FRANCO, David HAGGERTY, Richard W. HEARD, Mischa MCLACHLAN, Aaron MELIM, Ashish C. NAGRE, Akila SURESH
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Patent number: 11688001Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: September 24, 2019Date of Patent: June 27, 2023Assignee: Apple Inc.Inventors: Marcel Van Os, Jennifer Bailey, Kristin Canavan, Jarad Fisher, Corey Fugman, Mischa McLachlan, Aaron Melim, Ashish Nagre, Akila Suresh, Richard W. Heard
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Patent number: 11669896Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: December 21, 2021Date of Patent: June 6, 2023Assignee: Apple Inc.Inventors: Marcel Van Os, Jae Woo Chang, Teofila Connor, Alan C. Dye, Jarad M. Fisher, Corey Fugman, Richard W. Heard, Mischa McLachlan, Aaron Melim, Ashish C. Nagre, Glen W. Steele
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Publication number: 20230153899Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: ApplicationFiled: January 17, 2023Publication date: May 18, 2023Inventors: Marcel VAN OS, Jennifer J. BAILEY, Jae Woo CHANG, Teofila CONNOR, Jarad FISHER, Richard W. HEARD, Ashish NAGRE, Glen W. STEELE, Andrew I. WILLIAMS
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Publication number: 20230101449Abstract: Transaction data that represents transactions may be associated with one or more generated tags based on characteristics associated with the transactions. A set of suggested payment amounts for paying an account balance may be determined based on the tagged transactions. Information about at least one suggested payment amount may be presented at a user device.Type: ApplicationFiled: September 7, 2022Publication date: March 30, 2023Applicant: Apple Inc.Inventors: Michael A. Minar, Yiran Kang, Fadi S. Obeid, Rachel Reddy, Rima Kakarla, Anuj Chaudhary, Anish Doshi, Julien Barlerin, Michael Artemiw, Richard W. Heard, Ashish C. Nagre
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Publication number: 20230095944Abstract: Enhanced searching at a user interface may be enabled by tagged transaction records. When a search query is received at the user interface, a user device may determine a set of suggested search queries.Type: ApplicationFiled: September 7, 2022Publication date: March 30, 2023Applicant: Apple Inc.Inventors: Michael A. Minar, Yiran Kang, Fadi S. Obeid, Rachel Reddy, Rima Kakarla, Anuj Chaudhary, Anish Doshi, Julien Barlerin, Michael Artemiw, Richard W. Heard, Ashish C. Nagre, Thomas J. Miller
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Publication number: 20230093873Abstract: Tags for transaction records can be generated to represent characteristics of the transaction records not represented by typical characteristics of the records. Once generated, the transaction records can be modified to include the tags. Responsive to requests for transaction information, a set of transactions can be identified based on tags of the transactions and information about the transactions can be provided to a user interface.Type: ApplicationFiled: September 7, 2022Publication date: March 30, 2023Applicant: Apple Inc.Inventors: Michael A. Minar, Yiran Kang, Fadi S. Obeid, Rachel Reddy, Rima Kakarla, Anuj Chaudhary, Anish Doshi, Julien Barlerin, Michael Artemiw, Richard W. Heard, Ashish C. Nagre
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Patent number: 11610259Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: September 21, 2020Date of Patent: March 21, 2023Assignee: Apple Inc.Inventors: Marcel Van Os, Jae Woo Chang, Teofila Connor, Jarad Fisher, Ashish Nagre, Christine A. Franco, Brian D. Jett, David Harbige, Richard W. Heard, Aaron M. Melim, Akila Suresh
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Publication number: 20230018011Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.Type: ApplicationFiled: September 19, 2022Publication date: January 19, 2023Applicant: Apple Inc.Inventors: Aaron M. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Publication number: 20220391873Abstract: A user device may detect an age associated with a first user account meets or exceeds an age threshold. If so, the user device may present a conversion option to enable conversion of a restricted mobile payment account to a new primary mobile payment account. The user device may then communicate with a payment service to verify an identity of a user of the user device. The user device may then receive a communication indicating successful creation of the new primary mobile payment account.Type: ApplicationFiled: August 17, 2022Publication date: December 8, 2022Applicant: Apple Inc.Inventors: Akila Suresh, Muhammad Noman, Richard W. Heard, Katie M. McIndoe
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Publication number: 20220343318Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.Type: ApplicationFiled: May 31, 2022Publication date: October 27, 2022Applicant: Apple Inc.Inventors: Aaron N. Melim, Christine A. Franco, Glen W. Steele, Mischa K. McLachlan, Michael Artemiw, Ashish C. Nagre, David T. Haggerty, Fadi S. Obeid, Katie M. McIndoe, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11348092Abstract: The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.Type: GrantFiled: March 23, 2020Date of Patent: May 31, 2022Assignee: Apple Inc.Inventors: Michael Artemiw, Aaron M. Melim, Ashish C. Nagre, Christine A. Franco, David T. Haggerty, Fadi S. Obeid, Glen W. Steele, Katie M. McIndoe, Mischa K. McLachlan, Richard W. Heard, Rima Kakarla, Akila Suresh, Jarad M. Fisher
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Patent number: 11328352Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: August 23, 2019Date of Patent: May 10, 2022Assignee: Apple Inc.Inventors: Marcel Van Os, Michael Artemiw, Alan C. Dye, Jarad M. Fisher, Richard W. Heard, Christine Franco, Pedro Mari, Mischa McLachlan, Aaron Melim, Ashish C. Nagre, Glen W. Steele, Akila Suresh
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Publication number: 20220114658Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: ApplicationFiled: December 21, 2021Publication date: April 14, 2022Inventors: Marcel VAN OS, Jae Woo CHANG, Teofila CONNOR, Alan C. DYE, Jarad M. FISCHER, Corey FUGMAN, Richard W. HEARD, Mischa MCLACHLAN, Aaron MELIM, Ashish C. NAGRE, Glen W. STEELE
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Publication number: 20210374709Abstract: A first user device may request a provisioning system to create a restricted mobile payment account on a second user device. The provisioning system may send a registration notification to the second user device to trigger registration of the restricted mobile payment account. The provisioning system may also cause creation of the restricted mobile payment account based on account information received with the request from the first user device.Type: ApplicationFiled: September 24, 2020Publication date: December 2, 2021Applicant: Apple Inc.Inventors: Akila Suresh, Muhammad Noman, Richard W. Heard, Katie M. McIndoe
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Patent number: 11164179Abstract: Techniques are disclosed relating to securely receiving and storing credentials. In some embodiments, a computing device includes an application executable to supply a credential to an external system. A secure circuit of the computing device is configured to send, to a credential storage, a request for the credential, the request including a first certificate identifying a first public key and a stipulation to perform a user authentication before permitting use of a first private key corresponding to the first public key. The secure circuit receives, from the credential storage, the credential encrypted using the first public key and, based on the stipulation, performs the user authentication prior to decrypting the credential and supplying it to the application. In some embodiments, the secure circuit receives the first certificate by providing information about hardware included in the computing device to a hardware verification service.Type: GrantFiled: May 31, 2019Date of Patent: November 2, 2021Assignee: Apple, Inc.Inventors: Hubert Greiche, Gianpaolo Fasoli, Stacey R. Abrams, Richard W. Heard