Patents by Inventor Tobias D. Russell

Tobias D. Russell 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: 20240127215
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Application
    Filed: December 20, 2023
    Publication date: April 18, 2024
    Applicant: Capital One Services, LLC
    Inventors: Tobias D. RUSSELL, Drew JACOBS, Luke A. HAMMOCK
  • Patent number: 10891603
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Grant
    Filed: March 11, 2018
    Date of Patent: January 12, 2021
    Assignee: Capital One Services, LLC
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20200051126
    Abstract: In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.
    Type: Application
    Filed: October 16, 2019
    Publication date: February 13, 2020
    Applicant: Capital One Services, LLC
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Patent number: 10482498
    Abstract: In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.
    Type: Grant
    Filed: July 14, 2014
    Date of Patent: November 19, 2019
    Assignee: Capital One Services, LLC
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20180197164
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Application
    Filed: March 11, 2018
    Publication date: July 12, 2018
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20180197165
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Application
    Filed: March 11, 2018
    Publication date: July 12, 2018
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Patent number: 9916571
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Grant
    Filed: December 2, 2016
    Date of Patent: March 13, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20170083890
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Application
    Filed: December 2, 2016
    Publication date: March 23, 2017
    Applicant: Capital One Financial Corporation
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Patent number: 9542672
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Grant
    Filed: November 9, 2015
    Date of Patent: January 10, 2017
    Assignee: Capital One Financial Corporation
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20160063455
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Application
    Filed: November 9, 2015
    Publication date: March 3, 2016
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Patent number: 9235835
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Grant
    Filed: July 14, 2014
    Date of Patent: January 12, 2016
    Assignee: Capital One Financial Corporation
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20150019355
    Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
    Type: Application
    Filed: July 14, 2014
    Publication date: January 15, 2015
    Applicant: Capital One Financial Corporation
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20150019326
    Abstract: In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.
    Type: Application
    Filed: July 14, 2014
    Publication date: January 15, 2015
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
  • Publication number: 20140279489
    Abstract: Systems and methods are disclosed for providing access and authentication scenarios for mobile, or remote, banking via a client device. A financial service provider system determines a desired level of security for various mobile banking transactions, and configures a unique login credential or attribute for each level or tier of security. After receiving an indication that a user desires to perform a mobile banking transaction, and determining the mobile banking transaction desired by the user, the financial service provider system prompts the user for the associated login credential or attribute. Finally, the system receives and validates the credential.
    Type: Application
    Filed: March 14, 2014
    Publication date: September 18, 2014
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Tobias D. Russell, Aaron G. Kirby, James Ashfield, Joseph T. Riggs
  • Publication number: 20090030885
    Abstract: A system and a method for providing a user with an ability to manage an on-demand or scheduled service, the system including a mobile communicator configured to receive instructions from the user and to send user data; and a facilitator configured to receive the user data and to retrieve options data based on the user data, wherein the facilitator is further configured to: filter the options data based on an identification data, provide associated costs and relevant information for the filtered options data, and send the filtered options data and the associated costs to the mobile communicator.
    Type: Application
    Filed: July 25, 2008
    Publication date: January 29, 2009
    Applicant: RideCharge
    Inventors: Thomas A. DePasquale, Irakly G. Areshidze, Keith Forsythe, Tobias D. Russell, E. Sanders Partee