Patents by Inventor Scott T. Dalton

Scott T. Dalton 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 for providing real-time payment recommendations and offers
    Patent number: 11544730
    Abstract: A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.
    Type: Grant
    Filed: December 28, 2021
    Date of Patent: January 3, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Scott T. Dalton, Andrew J. Garner, IV, Ramanathan Ramanathan
  • Systems and methods for providing real-time payment recommendations and offers
    Patent number: 11227301
    Abstract: A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.
    Type: Grant
    Filed: May 28, 2020
    Date of Patent: January 18, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Scott T. Dalton, Andrew J. Garner, IV, Ramanathan Ramanathan
  • Systems and methods for providing real-time payment recommendations and offers
    Patent number: 10699289
    Abstract: A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.
    Type: Grant
    Filed: June 5, 2015
    Date of Patent: June 30, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Scott T. Dalton, Andrew J. Garner, IV, Ramanathan Ramanathan