Patents by Inventor Steven T. Brown
Steven T. Brown 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: 10395006Abstract: Methods and systems provide substantiation proof of claims made against medical spending accounts. Medical-insurance adjudication explanations are received at a benefits-records system, specifying a medical-insurance claim submitted to a medical insurer and identifying an adjudication decision of the medical insurance claim. The medical-insurance adjudication explanations are stored in a common format. A request is received from an insured party to apply a payment amount to a medical spending account. The payment amount corresponds to an expense associated with a medical-insurance claim submitted to one of the medical insurers but not paid. The request is posted to a third-party administrator with information from the corresponding medical-insurance adjudication explanations.Type: GrantFiled: March 6, 2015Date of Patent: August 27, 2019Assignee: Alegeus Technologies, LLCInventor: Steven T. Brown
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Patent number: 9921066Abstract: A system for analyzing the use of a mobile resource, such as a vehicle, includes a central processing unit adapted to receive a plurality of geographic locations and create an optimal travel route between the geographic locations, and an analyzer device incorporating global positioning satellite (GPS) technology being positionable with a mobile resource for comparing an actual route traveled by the mobile resource with the optimal travel route created by the central processing unit. The central processing unit includes mobile resource management software stored therein adapted to use pre-selected criteria for creating the optimal travel route. The pre-selected criteria may include time, distance, cost, load parameters, territory, and customer requirements.Type: GrantFiled: March 14, 2016Date of Patent: March 20, 2018Assignee: Telogis, Inc.Inventor: Steven T. Brown
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Publication number: 20160364660Abstract: A system for analyzing the use of a mobile resource, such as a vehicle, includes a central processing unit adapted to receive a plurality of geographic locations and create an optimal travel route between the geographic locations, and an analyzer device incorporating global positioning satellite (GPS) technology being positionable with a mobile resource for comparing an actual route traveled by the mobile resource with the optimal travel route created by the central processing unit. The central processing unit includes mobile resource management software stored therein adapted to use pre-selected criteria for creating the optimal travel route. The pre-selected criteria may include time, distance, cost, load parameters, territory, and customer requirements.Type: ApplicationFiled: March 14, 2016Publication date: December 15, 2016Inventor: Steven T. Brown
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Patent number: 9384487Abstract: Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.Type: GrantFiled: January 28, 2011Date of Patent: July 5, 2016Assignee: FIS Financial Compliance Solutions, LLCInventor: Steven T. Brown
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Publication number: 20150178454Abstract: Methods and systems provide substantiation proof of claims made against medical spending accounts. Medical-insurance adjudication explanations are received at a benefits-records system, specifying a medical-insurance claim submitted to a medical insurer and identifying an adjudication decision of the medical insurance claim. The medical-insurance adjudication explanations are stored in a common format. A request is received from an insured party to apply a payment amount to a medical spending account. The payment amount corresponds to an expense associated with a medical-insurance claim submitted to one of the medical insurers but not paid. The request is posted to a third-party administrator with information from the corresponding medical-insurance adjudication explanations.Type: ApplicationFiled: March 6, 2015Publication date: June 25, 2015Inventor: Steven T. Brown
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Patent number: 8660916Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.Type: GrantFiled: March 21, 2012Date of Patent: February 25, 2014Assignee: Metavante CorporationInventors: Steven T. Brown, Kathleen R. Werth
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Patent number: 8490869Abstract: Methods and systems are provided for processing a transaction. An authorization request for the transaction is received over a financial network. The authorization request includes account information and transaction information specifying at least a transaction amount. A financial account is identified from the account information. A history of the financial account is analyzed to generate a prediction of a balance of the financial account at a specified future time. It is determined that the balance of the financial account at the specified future time will support the transaction for the transaction amount. An approval response is accordingly generated for the transaction.Type: GrantFiled: May 10, 2006Date of Patent: July 23, 2013Assignee: Metavante CorporationInventor: Steven T. Brown
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Patent number: 8464937Abstract: The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.Type: GrantFiled: January 11, 2011Date of Patent: June 18, 2013Assignees: Alegeus Technologies, LLC, Humana, Inc.Inventors: Cullen L. Reed, Richard L. Stephenson, Steven T. Brown, Joanne E. Gruchalski, Henry A. Widenski, Jr., Jeffrey Jay Erdmann
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Patent number: 8438106Abstract: Methods and systems are disclosed for managing a medical savings account that invests funds in investment accounts. A request is received for payment of a healthcare expense incurred by a party authorized for recovery under the medical savings account. A balance is drawn against a line of credit secured by one or more of the investment accounts. At least a portion of the healthcare expense is paid with funds obtained from the drawn balance. At least a portion of some of the investment accounts are liquidated in accordance with instructions provided by the party or by an owner of the medical savings account to satisfy the drawn balance of the line of credit.Type: GrantFiled: January 25, 2007Date of Patent: May 7, 2013Assignee: Alegeus Technologies LLCInventors: Margaret A. Boyle, Steven T. Brown, Rosanne Marie Butkowski, Beth Griffin
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Patent number: 8412540Abstract: Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.Type: GrantFiled: September 29, 2010Date of Patent: April 2, 2013Assignee: Alegeus Technologies, LLCInventors: Jeffrey Jay Erdmann, Steven T. Brown, Joanne E. Gruchalski, Rosanne Marie Butkowski, Douglas Luther Norman, Henry Anthony Widenski, Jr., Jimmie Lindsey, Greg Leininger, Mark Andrew Neuville, Daniel L. Perry
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Publication number: 20130046568Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.Type: ApplicationFiled: March 21, 2012Publication date: February 21, 2013Applicant: Metavante CorporationInventors: Steven T. BROWN, Kathleen R. Werth
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Patent number: 8315802Abstract: A system for analyzing the use of a mobile resource, such as a vehicle, includes a central processing unit adapted to receive a plurality of geographic locations and create an optimal travel route between the geographic locations, and an analyzer device incorporating global positioning satellite (GPS) technology being positionable with a mobile resource for comparing an actual route traveled by the mobile resource with the optimal travel route created by the central processing unit. The central processing unit includes mobile resource management software stored therein adapted to use pre-selected criteria for creating the optimal travel route. The pre-selected criteria may include time, distance, cost, load parameters, territory, and customer requirements.Type: GrantFiled: February 11, 2009Date of Patent: November 20, 2012Assignee: Telogis, Inc.Inventor: Steven T. Brown
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Publication number: 20120197786Abstract: Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.Type: ApplicationFiled: January 28, 2011Publication date: August 2, 2012Applicant: FIDELITY NATIONAL INFORMATION SERVICESInventor: Steven T. BROWN
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Patent number: 8170930Abstract: Systems and methods are provided which make use of outbound calling systems to automate notification campaigns. Automated campaigns using outbound calling systems can provide a number of significant advantages over the traditional notification campaign, potentially resulting in faster, more efficient, more accurate, and more cost-effective notification campaigns.Type: GrantFiled: July 20, 2006Date of Patent: May 1, 2012Assignee: Metavante CorporationInventors: Steven T. Brown, Kathleen R. Werth
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Patent number: 8020756Abstract: A system including a device having a screen and a memory to hold card data necessary to complete POS/ATM transactions. The device has an authorization, signature, PIN button and scroll wheel. Branding areas allow distributors to leverage space on the device. When the merchandise has been processed and ready to be paid for, the device holder either places their device in a docking station or holds it in front of a contact less reader. When the merchant is ready for authorization, the holder presses transmits the data to a register so the merchant can send the data through the card network for authorization. Once the transaction is authorized, the merchant requests the signature, fingerprint, and/or photo of the holder, which can be displayed, on the register to authenticate the holder. Upon completion, the transaction information is transmitted back to the device for storage and retrieval at a later date.Type: GrantFiled: July 28, 2006Date of Patent: September 20, 2011Assignee: Metavante CorporationInventors: Steven T. Brown, Jimmie L. Lindsey
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Publication number: 20110173083Abstract: The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.Type: ApplicationFiled: January 11, 2011Publication date: July 14, 2011Inventors: Cullen L. Reed, Richard L. Stephenson, Steven T. Brown, Joanne E. Gruchalski, Henry A. Widenski, JR., Jeffrey Jay Erdmann
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Publication number: 20110106570Abstract: Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.Type: ApplicationFiled: September 29, 2010Publication date: May 5, 2011Applicant: Metavante CorporationInventors: Jeffrey Jay Erdmann, Steven T. Brown, Joanne E. Gruchalski, Rosanne Marie Butkowski, Douglas Luther Norman, Henry Anthony Widenski, JR., Jimmie Lindsey, Greg Leininger, Mark Andrew Neuville, Daniel L. Perry
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Patent number: 7866548Abstract: The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least on item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.Type: GrantFiled: November 22, 2005Date of Patent: January 11, 2011Assignees: Metavante Corporation, Humana, Inc.Inventors: Cullen L. Reed, Richard L. Stephenson, Steven T. Brown, Joanne E. Gruchalski, Henry A. Widenski, Jr., Jeffrey Jay Erdmann
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Patent number: 7822624Abstract: Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.Type: GrantFiled: July 26, 2006Date of Patent: October 26, 2010Assignee: Metavante CorporationInventors: Jeffrey Jay Erdmann, Steven T. Brown, Joanne E. Gruchalski, Rosanne Marie Butkowski, Douglas Luther Norman, Henry Anthony Widenski, Jr., Jimmie Lindsey, Greg Leininger, Mark Andrew Neuville, Daniel L. Perry
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Publication number: 20100205022Abstract: A system for analyzing the use of a mobile resource, such as a vehicle, includes a central processing unit adapted to receive a plurality of geographic locations and create an optimal travel route between the geographic locations, and an analyzer device incorporating global positioning satellite (GPS) technology being positionable with a mobile resource for comparing an actual route traveled by the mobile resource with the optimal travel route created by the central processing unit. The central processing unit includes mobile resource management software stored therein adapted to use pre-selected criteria for creating the optimal travel route. The pre-selected criteria may include time, distance, cost, load parameters, territory, and customer requirements.Type: ApplicationFiled: February 11, 2009Publication date: August 12, 2010Inventor: Steven T. Brown