Patents by Inventor Rodion Shishkov

Rodion Shishkov 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).

  • Publication number: 20140310151
    Abstract: Techniques for providing automated real-time approved financial offers to communication devices associated with users are presented. An open credit exchange platform (OCEP) includes a credit management component that collects personal and financial information respectively associated with users. Financial service providers associated with the OCEP generate approved financial offers, based on the personal and financial information, and assessment criteria of the financial service provider, and provide these financial offers to the OCEP. The OCEP evaluates the financial offers directed to a user and identifies at least a preferred financial offer for presentation to the communication device of the user. If the user decides to accept the financial offer, the user can enter the user's electronic signature on a contract relating to the financial offer via the communication device, and the electronic signature can verify the user's electronic signature, to facilitate creating a legally binding contract.
    Type: Application
    Filed: April 15, 2013
    Publication date: October 16, 2014
    Applicant: Rawllin International Inc.
    Inventors: Rodion Shishkov, Simon Shvarts, Dmitry Bocharov
  • Publication number: 20140244498
    Abstract: Disclosed are electronic systems and techniques for implementing a banking transaction and feed display system are provided that allow a user to visualize and interact with a financial transaction feed displayed on a mobile device. The feed displays a list of transactions made over a defined period of time, and the user selects different views, grouping the financial transactions by type, by recipient, by donor, by amount, and so on. The banking transaction and feed display system provides a rich set of tools to allow the user to customize the views and quickly display a desired format. The system also enables peer to peer payments to contacts stored in an address book on the mobile device.
    Type: Application
    Filed: February 26, 2013
    Publication date: August 28, 2014
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventors: Rodion Shishkov, Dmitry Bocharov
  • Publication number: 20140237570
    Abstract: Techniques user or user device authentication using data based on social associations and interactions of users or user devices are presented herein. In an aspect, a method includes receiving social graph transaction history data associated with a user identity of a user and contact information associated with the user identity, wherein the social graph transaction history data includes data relating to usage of the contact information for communication between users via respective user devices. The method further includes analyzing the social graph transaction history data, and based on the analyzing, determining a degree of confidence that the user identity is authentic.
    Type: Application
    Filed: February 15, 2013
    Publication date: August 21, 2014
    Applicant: Rawllin International Inc.
    Inventors: Rodion Shishkov, Dimitry A. Baranov
  • Publication number: 20140149281
    Abstract: An interface control is activated to provide a signature to a legal document, an application for a contractual obligation or other document requesting legal signature, in conjunction with an optional payment mechanism. The interface control initiates facilitation of signing of the document or application, and optionally enables payment for the document, application or associated product or service. A client signature generated from a client with a client device and purchasing data of the client are provided in a transaction in response to activation of the interface control.
    Type: Application
    Filed: November 29, 2012
    Publication date: May 29, 2014
    Applicant: Rawllin International Inc.
    Inventors: Simon Shvarts, Rodion Shishkov
  • Publication number: 20140101039
    Abstract: Remote processing of paper invoices online is described. In an aspect, a device can receive an electronic image representative of an invoice associated with a user of the device and a payee, send the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, access accounts associated with the user of the device, accessing the electronic form of the invoice, and authorize payment of the invoice, including authorization of an electronic transfer of money from at least one of the accounts to the payee. A list of payees can also be received, and the payee can be selected from the list of payees. The selection of the payee can be sent to the online accounting system, which links the payee to the invoice.
    Type: Application
    Filed: December 11, 2013
    Publication date: April 10, 2014
    Applicant: Rawllin International Inc.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20140074688
    Abstract: A financial interaction related to a set of financial behaviors is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and the visualization of alterations (increases and decreases) of the credit risk as direct feedback. The system demonstrates how behaviors identified in the financial interaction affect credit risk. Based on the financial interaction, estimates can be made of a financial score and presented in a display.
    Type: Application
    Filed: September 13, 2012
    Publication date: March 13, 2014
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventors: Simon Shvarts, Ilya Oskolkov, Rodion Shishkov
  • Patent number: 8635156
    Abstract: Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice.
    Type: Grant
    Filed: September 6, 2011
    Date of Patent: January 21, 2014
    Assignee: Rawllin International Inc.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20140019342
    Abstract: Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.
    Type: Application
    Filed: June 28, 2013
    Publication date: January 16, 2014
    Applicant: Rawllin International Inc.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Patent number: 8515870
    Abstract: Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.
    Type: Grant
    Filed: September 6, 2011
    Date of Patent: August 20, 2013
    Assignee: Rawllin International Inc.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130138553
    Abstract: Disclosed are electronic systems and techniques for implementing credit scoring based on information aggregation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information, and generate, or update, a profile of candidate characteristics based on the information obtained. A scoring calculation component can inspect the profile of candidate characteristics, determine a set of factors included in the profile of candidate characteristics that are relevant for a loan or credit eligibility determination, and rate the factors. A credit score for the user can be generated based on the ratings of the factors, and the eligibility of the user for one or more loans can be determined as a function of the credit score. In this regard, banks and retailers can automate credit scoring and loan eligibility determination using information about the applicant that is readily available.
    Type: Application
    Filed: November 28, 2011
    Publication date: May 30, 2013
    Inventors: Andrey N. Nikankin, Rodion Shishkov
  • Publication number: 20130138554
    Abstract: Disclosed are electronic systems and techniques for implementing dynamic risk assessment and credit standards generation. The risk assessment component can dynamically determine a risk of lending to a potential borrower based on a set of risk assessment criteria, and classify the potential borrower based on the risk. In addition, the risk assessment component can forecast a subset of the risk assessment criteria. A standards generation component can dynamically generate a set of lending criteria for respective classifications of potential borrowers based at least in part on a set of predetermined criterion or previous lending outcomes. An approval component can determine whether the potential borrower is eligible for one or more loans as a function of the set of lending criteria corresponding to the determined classification, and a terms component can generate a set of terms for the one or more loans.
    Type: Application
    Filed: November 30, 2011
    Publication date: May 30, 2013
    Inventors: Andrey N. Nikankin, Rodion Shishkov
  • Publication number: 20130138552
    Abstract: Technologies are generally described for systems and methods effective to create and use a unified charging system that provides instant loans in a networking environment. In an example, a loan can be provided when a payment at an online shopping site, such as an online shopping portal, is rejected due to insufficient funds. The loan can be automatic, or the loan can be provided in response to acceptance of a loan offer. In another example, pre-approved credit can be used to pay at an online shopping site when the cash and credit accounts associated with a virtual charging account have insufficient funds to complete the transaction. The payment can consist of a portion, or all of the pre-approved credit. The pre-approved credit can be granted on request, or can be automatically provided based on an analysis of open source information about the holder of the virtual charging account.
    Type: Application
    Filed: November 28, 2011
    Publication date: May 30, 2013
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130138555
    Abstract: Disclosed are systems and techniques that generate different sets of attributes for determining a credit worthiness score of a client. A first set of attributes is obtained from reliable data sources having information related to the client's credit score. A second set of attributes is obtained from publicly available data sources. The data is scored with respect to validity and relevancy to the potential client based on associations between the first and second set of attributes. A credit worthiness score is determined according to the first and the second set of data wherein the second set of attributes relates to characteristics of the client different from the first set of attributes.
    Type: Application
    Filed: November 30, 2011
    Publication date: May 30, 2013
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventor: Rodion Shishkov
  • Publication number: 20130132358
    Abstract: Disclosed are electronic systems and techniques for implementing consumer information aggregation and profile generation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information. A profile of candidate characteristics associated with the user is generated, or updated, based on the information obtained, and the eligibility of the user for one or more offers, such as a loan, can be determined based at least in part on the profile of candidate characteristics. In this regard, banks and retailers can automate an offer decision-making process using information about the applicant that is readily available.
    Type: Application
    Filed: November 18, 2011
    Publication date: May 23, 2013
    Inventors: Andrey N. Nikankin, Rodion Shishkov
  • Publication number: 20130060684
    Abstract: Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of an invoice associated with a user of the device and a payee, sending the electronic image of the invoice to an online accounting system, wherein the online accounting system converts the electronic image of the invoice into an electronic form, accessing accounts associated with the user of the device, accessing the electronic form of the invoice, and authorizing payment of the invoice, including authorizing electronic transfer of money from at least one of the accounts to the payee. The method can further include receiving a list of payees, selecting the payee from the list of payees, and sending the selection of the payee to the online accounting system, wherein the online accounting system links the payee to the invoice.
    Type: Application
    Filed: September 6, 2011
    Publication date: March 7, 2013
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130060689
    Abstract: Techniques for efficient transfer of funds between parties using personal communication devices are presented. A first user can use a first communication device to transfer funds from an account associated with the first user to a second user via a communication address associated with the second user's second communication device even if the second user is not registered with a financial service provider associated with the account of the first user. The funds can be sent from the first communication device using the Internet, mobile communication systems, or other communication technology via a message, an email, a voice mail, etc., to the second user, wherein notification of the funds can be sent to the second communication device. The first user can send funds using an account with the financial service provider or an affiliated account, and the second user can have the funds deposited into a desired account.
    Type: Application
    Filed: September 6, 2011
    Publication date: March 7, 2013
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130060694
    Abstract: Technologies are generally described for systems and methods effective to create and use a unified charging system in a networking environment. In an example, a virtual charging card can be created and authenticated, and cash and credit accounts can be associated with the virtual charging card, and billing accounts can also be associated. In another example, the virtual charging card can be used to transfer money from affiliated cash and credit accounts to selected billing accounts, or other virtual charging cards, while anonymizing the transfer process. In another example, the virtual charging card can be used to schedule automatic payments for utility bills, loan repayments, and charitable accounts.
    Type: Application
    Filed: September 6, 2011
    Publication date: March 7, 2013
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130060680
    Abstract: Described herein are systems, methods, and articles of manufacture that establish services that facilitate funds management. These services can manage multiple accounts of different types for the same user (either payer or payee). The services can also link a payee account and a payer account to establish electronic funds transfers and other transactions. The services can also facilitate the establishment of an electronic funds transfer through enabling a search for either a payee or a payer according to a criterion.
    Type: Application
    Filed: September 6, 2011
    Publication date: March 7, 2013
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130060708
    Abstract: Techniques for efficient transfer of funds between parties using personal communication devices are presented. A sender can use a first communication device to transfer funds from an account associated with the sender to a recipient via a communication address associated with the recipient's second communication device even if the recipient is not registered with a financial service provider associated with the account of the sender, without requiring the recipient to travel to a physical office or present a physical personal identification to obtain the funds. A transfer fund request can include the recipient's communication address, and a fund transfer message, comprising a link that facilitates retrieving the funds, can be sent to the recipient's communication address, and the recipient can be validated based on the communication address and/or a validation code. When validated, the funds can be made available to the recipient via an account of the recipient.
    Type: Application
    Filed: September 6, 2011
    Publication date: March 7, 2013
    Applicant: RAWLLIN INTERNATIONAL INC.
    Inventors: Ilya Oskolkov, Rodion Shishkov
  • Publication number: 20130060690
    Abstract: Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.
    Type: Application
    Filed: September 6, 2011
    Publication date: March 7, 2013
    Inventors: Ilya Oskolkov, Rodion Shishkov