Systems and methods for effecting personal payment transactions

US10354237B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Gagan Kanjlia · Ashburn, US
• Scott Zimmer · Charlotte, US
• Robert J. Larson · Havertown, US
• Alexander S. Wilson · Kennett Square, US
• Vishal Puri · Ashburn, US
• Jay F. Pober · Cherry Hill, US

Key dates

• Filing date: Dec 17, 2013
• Grant date: Jul 16, 2019
• Expiry date: Dec 17, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/386
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.