This inventor holds 1 USPTO granted patent and 2 published patent applications. Top assignee: Wells Fargo Bank, N.A.. Active years: 2026.
Company Filing History:
Years Active: 2026
Title: Jim Carlough - Innovator in Automated Bill Payment Solutions
Introduction
Jim Carlough is an accomplished inventor based in San Francisco, CA. He has made significant contributions to the field of automated financial solutions, particularly in the area of bill payment systems. His innovative approach leverages user activity data to enhance the efficiency of financial transactions.
Latest Patents
Jim holds a patent for an invention titled "Automated billpay based on cross-provider performance information." This patent encompasses systems, methods, and computer-readable storage media for performance indicator operations. One method includes identifying user activity data and performance indicators. The process involves modeling this data to generate a user data structure, which helps in determining updates in performance indicators. Furthermore, it configures actionable activities corresponding to future user actions, ensuring that these activities remain below a user-defined threshold. The invention culminates in the generation of a graphical user interface (GUI) that presents actionable elements and messages related to the user's activities. Jim has 1 patent to his name.
Career Highlights
Jim Carlough is currently employed at Wells Fargo Bank, N.A., where he applies his expertise in developing innovative financial solutions. His work focuses on enhancing user experience and streamlining financial processes through technology.
Collaborations
Jim collaborates with talented professionals in his field, including Srinivas R Doki and Debashis Ghosh. These partnerships foster a creative environment that drives innovation and the development of cutting-edge solutions.
Conclusion
Jim Carlough is a notable inventor whose work in automated bill payment systems exemplifies the intersection of technology and finance. His contributions continue to shape the future of financial transactions, making them more efficient and user-friendly.