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).

  • Patent number: 10395006
    Abstract: 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: Grant
    Filed: March 6, 2015
    Date of Patent: August 27, 2019
    Assignee: Alegeus Technologies, LLC
    Inventor: Steven T. Brown
  • Patent number: 9921066
    Abstract: 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: Grant
    Filed: March 14, 2016
    Date of Patent: March 20, 2018
    Assignee: Telogis, Inc.
    Inventor: Steven T. Brown
  • Publication number: 20160364660
    Abstract: 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: Application
    Filed: March 14, 2016
    Publication date: December 15, 2016
    Inventor: Steven T. Brown
  • Patent number: 9384487
    Abstract: 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: Grant
    Filed: January 28, 2011
    Date of Patent: July 5, 2016
    Assignee: FIS Financial Compliance Solutions, LLC
    Inventor: Steven T. Brown
  • Publication number: 20150178454
    Abstract: 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: Application
    Filed: March 6, 2015
    Publication date: June 25, 2015
    Inventor: Steven T. Brown
  • Patent number: 8660916
    Abstract: 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: Grant
    Filed: March 21, 2012
    Date of Patent: February 25, 2014
    Assignee: Metavante Corporation
    Inventors: Steven T. Brown, Kathleen R. Werth
  • Patent number: 8490869
    Abstract: 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: Grant
    Filed: May 10, 2006
    Date of Patent: July 23, 2013
    Assignee: Metavante Corporation
    Inventor: Steven T. Brown
  • Patent number: 8464937
    Abstract: 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: Grant
    Filed: January 11, 2011
    Date of Patent: June 18, 2013
    Assignees: 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
  • Patent number: 8438106
    Abstract: 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: Grant
    Filed: January 25, 2007
    Date of Patent: May 7, 2013
    Assignee: Alegeus Technologies LLC
    Inventors: Margaret A. Boyle, Steven T. Brown, Rosanne Marie Butkowski, Beth Griffin
  • Patent number: 8412540
    Abstract: 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: Grant
    Filed: September 29, 2010
    Date of Patent: April 2, 2013
    Assignee: Alegeus Technologies, LLC
    Inventors: 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
  • Publication number: 20130046568
    Abstract: 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: Application
    Filed: March 21, 2012
    Publication date: February 21, 2013
    Applicant: Metavante Corporation
    Inventors: Steven T. BROWN, Kathleen R. Werth
  • Patent number: 8315802
    Abstract: 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: Grant
    Filed: February 11, 2009
    Date of Patent: November 20, 2012
    Assignee: Telogis, Inc.
    Inventor: Steven T. Brown
  • Publication number: 20120197786
    Abstract: 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: Application
    Filed: January 28, 2011
    Publication date: August 2, 2012
    Applicant: FIDELITY NATIONAL INFORMATION SERVICES
    Inventor: Steven T. BROWN
  • Patent number: 8170930
    Abstract: 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: Grant
    Filed: July 20, 2006
    Date of Patent: May 1, 2012
    Assignee: Metavante Corporation
    Inventors: Steven T. Brown, Kathleen R. Werth
  • Patent number: 8020756
    Abstract: 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: Grant
    Filed: July 28, 2006
    Date of Patent: September 20, 2011
    Assignee: Metavante Corporation
    Inventors: Steven T. Brown, Jimmie L. Lindsey
  • Publication number: 20110173083
    Abstract: 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: Application
    Filed: January 11, 2011
    Publication date: July 14, 2011
    Inventors: Cullen L. Reed, Richard L. Stephenson, Steven T. Brown, Joanne E. Gruchalski, Henry A. Widenski, JR., Jeffrey Jay Erdmann
  • Publication number: 20110106570
    Abstract: 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: Application
    Filed: September 29, 2010
    Publication date: May 5, 2011
    Applicant: Metavante Corporation
    Inventors: 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
  • Patent number: 7866548
    Abstract: 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: Grant
    Filed: November 22, 2005
    Date of Patent: January 11, 2011
    Assignees: Metavante Corporation, Humana, Inc.
    Inventors: Cullen L. Reed, Richard L. Stephenson, Steven T. Brown, Joanne E. Gruchalski, Henry A. Widenski, Jr., Jeffrey Jay Erdmann
  • Patent number: 7822624
    Abstract: 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: Grant
    Filed: July 26, 2006
    Date of Patent: October 26, 2010
    Assignee: Metavante Corporation
    Inventors: 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
  • Publication number: 20100205022
    Abstract: 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: Application
    Filed: February 11, 2009
    Publication date: August 12, 2010
    Inventor: Steven T. Brown