Michael W Upton

Title: Michael W Upton: Innovator in Financial Technology

Introduction

Michael W Upton is a notable inventor based in Charlotte, NC (US), recognized for his contributions to financial technology. He holds a total of 5 patents that focus on enhancing the processes involved in loan qualification and transaction monitoring. His innovative approaches aim to improve the overall experience for consumers in the financial sector.

Latest Patents

One of Upton's latest patents is titled "Systems and methods for providing enhanced loan qualification information." This invention discloses methods and systems for providing enhanced information related to financing terms for purchases, particularly in real estate. The financial service system collects financial information from prospective buyers and configures a secure software object, or token, that contains this information. This token is then transmitted to various inventory listing sites, allowing buyers to access enhanced information that integrates their financial profile with their purchasing options.

Another significant patent involves "Monitoring retail transactions associated with a financial institution-based merchant offer program and determining savings metrics." This invention provides a framework for monitoring transactions at the financial institution level, offering insights into savings metrics associated with merchant offers. By analyzing transactions, the system can determine both the savings achieved through accepted offers and the potential savings lost when transactions occur without utilizing available offers.

Career Highlights

Throughout his career, Michael W Upton has worked with prominent financial institutions, including Bank of America Corporation and Capital One Financial Corporation. His experience in these organizations has significantly influenced his innovative work in financial technology.

Collaborations

Upton has collaborated with various professionals in the field, including Jason P Blackhurst and Mark C Dolphin. These collaborations have contributed to the development and refinement of his patented technologies.

Conclusion

Michael W Upton stands out as an influential inventor in the financial technology sector, with a focus on improving loan qualification processes and transaction monitoring. His innovative patents reflect a commitment to enhancing consumer experiences in finance.