Patents by Inventor Scott NIMMER

Scott NIMMER 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 OF REAL-TIME PROCESSING
    Publication number: 20220237617
    Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.
    Type: Application
    Filed: April 12, 2022
    Publication date: July 28, 2022
    Inventors: Rajsaday DUTT, Jinlian WANG, Sharifa MONAWER, Christopher URBAN, Scott NIMMER, Faheem RAHMAN
  • Systems and methods of real-time processing
    Patent number: 11334896
    Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.
    Type: Grant
    Filed: April 17, 2019
    Date of Patent: May 17, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rajsaday Dutt, Jinlian Wang, Sharifa Monawer, Christopher Urban, Scott Nimmer, Faheem Rahman
  • SYSTEMS AND METHODS OF REAL-TIME PROCESSING
    Publication number: 20200334678
    Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.
    Type: Application
    Filed: April 17, 2019
    Publication date: October 22, 2020
    Inventors: Rajsaday DUTT, Jinlian WANG, Sharifa MONAWER, Christopher URBAN, Scott NIMMER, Faheem RAHMAN