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).
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Publication number: 20240127215Abstract: 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: ApplicationFiled: December 20, 2023Publication date: April 18, 2024Applicant: Capital One Services, LLCInventors: Tobias D. RUSSELL, Drew JACOBS, Luke A. HAMMOCK
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Patent number: 10891603Abstract: 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: GrantFiled: March 11, 2018Date of Patent: January 12, 2021Assignee: Capital One Services, LLCInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20200051126Abstract: 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: ApplicationFiled: October 16, 2019Publication date: February 13, 2020Applicant: Capital One Services, LLCInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Patent number: 10482498Abstract: 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: GrantFiled: July 14, 2014Date of Patent: November 19, 2019Assignee: Capital One Services, LLCInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20180197164Abstract: 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: ApplicationFiled: March 11, 2018Publication date: July 12, 2018Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20180197165Abstract: 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: ApplicationFiled: March 11, 2018Publication date: July 12, 2018Inventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Patent number: 9916571Abstract: 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: GrantFiled: December 2, 2016Date of Patent: March 13, 2018Assignee: Capital One Financial CorporationInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20170083890Abstract: 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: ApplicationFiled: December 2, 2016Publication date: March 23, 2017Applicant: Capital One Financial CorporationInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Patent number: 9542672Abstract: 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: GrantFiled: November 9, 2015Date of Patent: January 10, 2017Assignee: Capital One Financial CorporationInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20160063455Abstract: 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: ApplicationFiled: November 9, 2015Publication date: March 3, 2016Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Patent number: 9235835Abstract: 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: GrantFiled: July 14, 2014Date of Patent: January 12, 2016Assignee: Capital One Financial CorporationInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20150019355Abstract: 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: ApplicationFiled: July 14, 2014Publication date: January 15, 2015Applicant: Capital One Financial CorporationInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20150019326Abstract: 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: ApplicationFiled: July 14, 2014Publication date: January 15, 2015Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Publication number: 20140279489Abstract: 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: ApplicationFiled: March 14, 2014Publication date: September 18, 2014Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Tobias D. Russell, Aaron G. Kirby, James Ashfield, Joseph T. Riggs
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Publication number: 20090030885Abstract: 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: ApplicationFiled: July 25, 2008Publication date: January 29, 2009Applicant: RideChargeInventors: Thomas A. DePasquale, Irakly G. Areshidze, Keith Forsythe, Tobias D. Russell, E. Sanders Partee