Joseph E O'Brien

US Patent:

20200160302, May 21, 2020

Filed:

Jan 23, 2020

Appl. No.:

16/750285

Inventors:

- McLean VA, US
Dennis S. Brennan - Pleasanton CA, US
Richard S. Just - Berkeley CA, US
Joseph O'Brien - San Francisco CA, US
Katharine Anne Shea - Providence RI, US
Bryan Fearson - Herndon VA, US
Timothy J. Austen - Manassas VA, US
Shaun Webb - San Francisco CA, US
Nicholas Sheehan - Vienna VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/14
G06Q 30/04
G06Q 20/10
G06Q 20/22

Abstract:

Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers. In addition, the disclosed embodiments may be configured to provide mechanisms that enable at least one purchaser to provide payment for the at least one purchaser's payment amount for the bill, such as providing interfaces that allow the user to pay electronically using e-commerce payment systems or financial service products.

US Patent:

20180150862, May 31, 2018

Filed:

Jan 25, 2018

Appl. No.:

15/879568

Inventors:

- McLean VA, US
Dennis S. BRENNAN - Pleasanton CA, US
Richard S. JUST - Berkeley CA, US
Joseph O'BRIEN - San Francisco CA, US
Katharine Anne SHEA - Providence RI, US
Bryan FEARSON - Herndon VA, US
Timothy J. AUSTEN - Manassas VA, US
Shaun WEBB - San Francisco CA, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 30/02
G06Q 40/02

Abstract:

Systems and processes are disclosed for assisting and incentivizing a user to save money by avoiding impulsive purchases. In certain embodiments, disclosed embodiments may include mechanisms to receive a user-defined goal for saving money and to receive item identifying information relating to an item not purchased by the user in accomplishing the goal. The disclosed embodiments also include mechanisms that determine the price of the item based on the identifying information and determine the amount of savings based on the price of the item. The disclosed embodiments may also be configured to determine and offer a reward to the user based on the amount of savings and to provide to the user a history record of one or more items not purchased in accomplishing the user's goal.

US Patent:

20170270499, Sep 21, 2017

Filed:

Jun 6, 2017

Appl. No.:

15/614691

Inventors:

- McLean VA, US
Dennis S. Brennan - Pleasanton CA, US
Richard S. Just - Berkeley CA, US
Joseph O'Brien - San Francisco CA, US
Katherine Anne Shea - Providence RI, US
Bryan Fearson - Herndon VA, US
Timothy J. Austen - Manassas VA, US
Shaun Webb - San Francisco CA, US
Nicholas Sheehan - Vienna VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/14
G06Q 30/04

Abstract:

Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers. In addition, the disclosed embodiments may be configured to provide mechanisms that enable at least one purchaser to provide payment for the at least one purchaser's payment amount for the bill, such as providing interfaces that allow the user to pay electronically using e-commerce payment systems or financial service products.

US Patent:

20170270500, Sep 21, 2017

Filed:

Jun 6, 2017

Appl. No.:

15/615220

Inventors:

- Mclean VA, US
Dennis S. Brennan - Pleasanton CA, US
Richard S. Just - Berkeley CA, US
Joseph O'Brien - San Francisco CA, US
Katharine Anne Shea - Providence RI, US
Bryan Fearson - Herndon VA, US
Timothy J. Austen - Manassas VA, US
Shaun Webb - San Francisco CA, US
Nicholas Sheehan - Vienna VA, US

Assignee:

Capital One Services, LLC - Mclean VA

International Classification:

G06Q 20/14
G06Q 30/04

Abstract:

Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers. In addition, the disclosed embodiments may be configured to provide mechanisms that enable at least one purchaser to provide payment for the at least one purchaser's payment amount for the bill, such as providing interfaces that allow the user to pay electronically using e-commerce payment systems or financial service products.