The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 05, 2023
Filed:
Jun. 17, 2020
Capital One Services, Llc, McLean, VA (US);
David Gabriele, New York, NY (US);
George Bergeron, Falls Church, VA (US);
Adam Vukich, Alexandria, VA (US);
Vu Nguyen, Pittsburg, CA (US);
Andrea Montealegre, Arlington, VA (US);
Ljubica Chatman, New York, NY (US);
Mykhaylo Bulgakov, Arlington, VA (US);
Joshua Edwards, Philadelphia, PA (US);
Abdelkader Benkreira, Washington, DC (US);
CAPITAL ONE SERVICES, LLC, McLean, VA (US);
Abstract
A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.