Patents by Inventor Vishal Puri

Vishal Puri 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: 20210004898
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In some embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Application
    Filed: September 23, 2020
    Publication date: January 7, 2021
    Applicant: Capital One Services, LLC
    Inventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
  • Patent number: 10885579
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Grant
    Filed: October 22, 2018
    Date of Patent: January 5, 2021
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Patent number: 10853874
    Abstract: The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: December 1, 2020
    Assignee: Capital One Services, LLC
    Inventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya, Jay F. Pober
  • Patent number: 10846791
    Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: November 24, 2020
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
  • Publication number: 20200320112
    Abstract: Systems and methods are described for serving personalized content using content tagging and transfer learning. The method may include identifying content elements in an experience pool, where each of the content element is associated with one or more attribute tags, identifying a user profile comprising characteristics of a user, generating a set of user-tag affinity vectors based on the user profile and the corresponding attribute tags using a content personalization engine, generating a user-content affinity score based on the set of user-tag affinity vectors, selecting a content element from the plurality of content elements based on the corresponding user-content affinity score, and delivering the selected content element to the user.
    Type: Application
    Filed: April 8, 2019
    Publication date: October 8, 2020
    Inventors: Dheeraj Bansal, Sukriti Verma, Pratiksha Agarwal, Piyush Gupta, Nikaash Puri, Vishal Wani, Balaji Krishnamurthy
  • Publication number: 20200202314
    Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate.
    Type: Application
    Filed: February 12, 2020
    Publication date: June 25, 2020
    Applicant: Capital One Services, LLC
    Inventors: Gagan KANJLIA, Scott ZIMMER, Robert LARSON, Alexander WILSON, Vishal PURI, Jay F. POBER
  • Patent number: 10586278
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Grant
    Filed: October 19, 2018
    Date of Patent: March 10, 2020
    Assignee: Capital One Services, LLC.
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Patent number: 10565571
    Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: February 18, 2020
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Publication number: 20190362418
    Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.
    Type: Application
    Filed: July 1, 2019
    Publication date: November 28, 2019
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
  • Publication number: 20190355056
    Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.
    Type: Application
    Filed: July 17, 2019
    Publication date: November 21, 2019
    Applicant: Capital One Services, LLC
    Inventors: Ashish Jain, Vishal Puri, David Dao, Gagan Kanjlia
  • Patent number: 10402899
    Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider may monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.
    Type: Grant
    Filed: November 19, 2014
    Date of Patent: September 3, 2019
    Assignee: Capital One Services, LLC
    Inventors: Ashish Jain, Vishal Puri, David Dao, Gagan Kanjlia
  • Patent number: 10373249
    Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.
    Type: Grant
    Filed: October 25, 2017
    Date of Patent: August 6, 2019
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
  • Patent number: 10354237
    Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: July 16, 2019
    Assignee: CAPITAL ONE SERVICES LLC
    Inventors: Gagan Kanjlia, Scott Zimmer, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Patent number: 10325311
    Abstract: The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer.
    Type: Grant
    Filed: August 19, 2013
    Date of Patent: June 18, 2019
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya, Jay F. Pober
  • Publication number: 20190057443
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Application
    Filed: October 22, 2018
    Publication date: February 21, 2019
    Inventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
  • Publication number: 20190057442
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Application
    Filed: October 19, 2018
    Publication date: February 21, 2019
    Inventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
  • Patent number: 10068288
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: September 4, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay Pober
  • Publication number: 20180150809
    Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate.
    Type: Application
    Filed: January 25, 2018
    Publication date: May 31, 2018
    Applicant: Capital One Services, LLC
    Inventors: Gagan KANJLIA, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Publication number: 20180122000
    Abstract: The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer.
    Type: Application
    Filed: December 21, 2017
    Publication date: May 3, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya, Jay F. Pober
  • Publication number: 20180101904
    Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.
    Type: Application
    Filed: October 25, 2017
    Publication date: April 12, 2018
    Applicant: CAPITAL ONE FINANCIAL CORPORATOIN
    Inventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein