Patents by Inventor Zinda R. Vareed

Zinda R. Vareed 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).

  • Systems and methods for automated payment processing
    Patent number: 8374957
    Abstract: Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another example, the method may include receiving a notice of loss, deriving a payee, processing one or more rules using the information, determining whether an automatic payment can be made and transferring funds if the automatic payment can be made. In a further example, the method may include receiving a notice of loss, the loss having one or more exposures, processing one or more rules for each of the exposures in parallel, determining if an automatic payment can be made for each of the exposures and removing the automatic payment for an exposure if it can not be made while continuing processing payments for the remaining exposures.
    Type: Grant
    Filed: October 14, 2011
    Date of Patent: February 12, 2013
    Assignee: United Services Automobile Association
    Inventors: Ana Maria Garcia, Zinda R. Vareed, Pamela Glimm Diener
  • Systems and methods for automated payment processing
    Patent number: 8041635
    Abstract: Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another example, the method may include receiving a notice of loss, deriving a payee, processing one or more rules using the information, determining whether an automatic payment can be made and transferring funds if the automatic payment can be made. In a further example, the method may include receiving a notice of loss, the loss having one or more exposures, processing one or more rules for each of the exposures in parallel, determining if an automatic payment can be made for each of the exposures and removing the automatic payment for an exposure if it can not be made while continuing processing payments for the remaining exposures.
    Type: Grant
    Filed: February 20, 2008
    Date of Patent: October 18, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ana Maria Garcia, Zinda R. Vareed, Pamela Glimm Diener
  • Systems and methods for automated payment processing
    Patent number: 8041637
    Abstract: Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another example, the method may include receiving a notice of loss, deriving a payee, processing one or more rules using the information, determining whether an automatic payment can be made and transferring funds if the automatic payment can be made. In a further example, the method may include receiving a notice of loss, the loss having one or more exposures, processing one or more rules for each of the exposures in parallel, determining if an automatic payment can be made for each of the exposures and removing the automatic payment for an exposure if it can not be made while continuing processing payments for the remaining exposures.
    Type: Grant
    Filed: February 20, 2008
    Date of Patent: October 18, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ana Maria Garcia, Zinda R. Vareed, Pamela Glimm Diener