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).
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Patent number: 10354237Abstract: 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: GrantFiled: December 17, 2013Date of Patent: July 16, 2019Assignee: CAPITAL ONE SERVICES LLCInventors: Gagan Kanjlia, Scott Zimmer, Alexander S. Wilson, Vishal Puri, Jay F. Pober
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Patent number: 10325311Abstract: 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: GrantFiled: August 19, 2013Date of Patent: June 18, 2019Assignee: CAPITAL ONE FINANCIAL CORPORATIONInventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya, Jay F. Pober
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Publication number: 20190057442Abstract: 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: ApplicationFiled: October 19, 2018Publication date: February 21, 2019Inventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
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Publication number: 20190057443Abstract: 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: ApplicationFiled: October 22, 2018Publication date: February 21, 2019Inventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI, Jay F. POBER
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Patent number: 10068288Abstract: 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: GrantFiled: December 17, 2013Date of Patent: September 4, 2018Assignee: Capital One Financial CorporationInventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay Pober
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Publication number: 20180150809Abstract: 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: ApplicationFiled: January 25, 2018Publication date: May 31, 2018Applicant: Capital One Services, LLCInventors: Gagan KANJLIA, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
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Publication number: 20180122000Abstract: 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: ApplicationFiled: December 21, 2017Publication date: May 3, 2018Applicant: Capital One Financial CorporationInventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya, Jay F. Pober
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Publication number: 20180101904Abstract: 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: ApplicationFiled: October 25, 2017Publication date: April 12, 2018Applicant: CAPITAL ONE FINANCIAL CORPORATOINInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
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Patent number: 9830648Abstract: 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: GrantFiled: November 19, 2014Date of Patent: November 28, 2017Assignee: Capital One Financial CorporationInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kieman, Evan S. Klein
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Publication number: 20160104237Abstract: 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: ApplicationFiled: November 19, 2014Publication date: April 14, 2016Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Evan S. Klein
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Publication number: 20150142661Abstract: 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: ApplicationFiled: November 19, 2014Publication date: May 21, 2015Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Ashish JAIN, Vishal PURI, David DAO, Gagan KANJLIA
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Publication number: 20150012400Abstract: Systems and methods are disclosed that provide credit card account switching processes. In certain embodiments, a card switch system is disclosed to automate or near-automate one or more processes for effectuating the switch of a credit card account from one card carrier to another. The system is configured to receive an indication to switch credit card accounts for a customer. Further, the system receives user cardholder data associated with at least one of the customer, the previous credit card account, or the new credit card account. The system is configured to identify, based on the received cardholder data, account information associated with the previous credit card account to associate with the new credit card account. Finally, the system is configured to transfer the identified account information to a system associated with the new credit card account.Type: ApplicationFiled: July 7, 2014Publication date: January 8, 2015Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Michael J. Wassmer, Rajsaday Dutt, Jacob George, Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Jay F. Pober, Matthew H. Purdin, Rabin Bhattacharya
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Publication number: 20140244480Abstract: 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: ApplicationFiled: May 1, 2014Publication date: August 28, 2014Applicant: Capital One Financial CorporationInventors: Gagan KANJLIA, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri
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Patent number: 8762269Abstract: 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: GrantFiled: December 17, 2013Date of Patent: June 24, 2014Assignee: Capital One Financial CorporationInventors: Gagan Kanjlia, Scott Zimmer, Alexander S. Wilson, Vishal Puri
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Publication number: 20140172694Abstract: 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: ApplicationFiled: December 17, 2013Publication date: June 19, 2014Applicant: Capital One Financial CorporationInventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI
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Publication number: 20140172693Abstract: 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: ApplicationFiled: December 17, 2013Publication date: June 19, 2014Applicant: Capital One Financial CorporationInventors: Gagan KANJLIA, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri
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Publication number: 20140172695Abstract: 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: ApplicationFiled: December 17, 2013Publication date: June 19, 2014Applicant: Capital One Financial CorporationInventors: Gagan KANJLIA, Scott ZIMMER, Robert J. LARSON, Alexander S. WILSON, Vishal PURI
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Publication number: 20140052595Abstract: 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: ApplicationFiled: August 19, 2013Publication date: February 20, 2014Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya
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Publication number: 20140052594Abstract: The disclosed embodiments include systems and methods for switching accounts In one aspect, the disclosed embodiments include a computer system for switching an existing account associated with a customer to a new account that may include a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one embodiment, the processor may analyze account information associated with an existing account and identify one or more transactions associated with the existing account. In another aspect, the processor may determine a first transaction from the one or more transactions that is to be switched to a new transaction associated with a new account and configure the new transaction similar to the first transaction. The processor may switch the first transaction to the new transaction and provide a representation that reflects a status for the switching of the first transaction to the new transaction.Type: ApplicationFiled: August 19, 2013Publication date: February 20, 2014Applicant: CAPITAL ONE FINANCIAL CORPORATIONInventors: Scott L. Zimmer, Gagan Kanjlia, Vishal Puri, Michael B. Kiernan, Matthew H. Purdin, Rabin Bhattacharya