Rajesh P Kulkarni, 519013 E Larkspur Dr, Scottsdale, AZ 85260

2022028, Sep 8, 2022

May 25, 2022

17/824878

- Scottsdale AZ, US
Rajasekhar Divakaruni - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 20/40

Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee; causing a payor device of the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the one or more processors; in response to the payor financial institution granting the access code, requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein: the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer; and the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account. Other embodiments are disclosed herein.

2022028, Sep 8, 2022

Mar 3, 2021

17/191358

- Scottsdale AZ, US
Laura Weinflash - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US
Suresh Munusamy - Scottsdale AZ, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 40/02
G06Q 20/14
G06Q 20/38

A method including receiving, at a payment-messaging system from a payee financial institution, a request for payor profile information. The request can include a public identifier of a payor. The acts also can include determining, using a directory at the payment-messaging system, the payor profile information based on the request. The payor profile information can include a routing transit number for a payor financial institution that maintains a payor account of the payor when the payor financial institution is enabled to send real-time payments through a real-time settlement network. The payor profile information does not include an account number of the payor account. The acts additionally can include sending, from the payment-messaging system to the payee financial institution, the payor profile information, to cause: the payee financial institution to determine whether the payor profile information includes the routing transit number for the payor financial institution; and the payee financial institution, when the payor profile information includes the routing transit number for the payor financial institution, to send a request for payment through the real-time settlement network to the payor financial institution to allow the payor to authorize a real-time credit transfer from the payor account to a payee account of a payee maintained at the payee financial institution. The real-time credit transfer can be settled through the real-time settlement network. Other embodiments are disclosed.

2023006, Mar 2, 2023

Aug 31, 2022

17/900092

- Scottsdale AZ, US
Suresh Munusamy - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US
Charles Schaefer - Kentfield CA, US
Bruce Rapport - Folsom CA, US
Rich Rezek - Zionsville IN, US
James Armisted - Mill Creek CA, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 20/10
G06Q 20/02
G06Q 20/40

A method including receiving, at a payment-messaging system from a biller financial institution, a request comprising a public consumer token of a consumer. The consumer provided the public consumer token to a biller system of a biller for a bill payment by the consumer to the biller. The biller system provided the public consumer token to the biller financial institution. The biller financial institution maintains a biller account of the biller. The acts also can include determining a risk metric representing a risk of using the public consumer token for the bill payment. The acts additionally can include sending the risk metric from the payment-messaging system to the biller financial institution. The biller financial institution sends the risk metric to the biller system to allow the biller to determine whether to assume liability for the bill payment. The acts further can include receiving, at the payment-messaging system from the biller financial institution, an authorization message for the bill payment. The authorization message was provided to the biller financial institution by the biller system. The acts additionally can include sending the authorization message for the bill payment to a consumer financial institution, to cause the consumer financial institution to send a real-time payment message through the payment-messaging system to the biller financial institution to make funds available in real-time in the biller account for the bill payment. Other embodiments are described.

2016030, Oct 13, 2016

Apr 18, 2016

15/131916

- Scottsdale AZ, US
Chuck Hutchison - Phoenix AZ, US
Lou Anne Alexander - Scottsdale AZ, US
Austin McCormick - Scottsdale AZ, US
Laura Weinflash - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 20/14
G06Q 20/26
G06Q 20/02
G06Q 20/40
G06Q 20/24

A method including receiving a first promise-to-pay message at a transaction system. The method also can include storing the first promise-to-pay message in the transaction system. The method additionally can include sending a second promise-to-pay message from the transaction system to a second financial institution. The method further can include receiving a first response at the transaction system from the second financial institution indicating a successful credit of the second account maintained by the second financial institution. The method additionally can include storing the first response in the transaction system. The method further can include sending a second response from the transaction system indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

2016030, Oct 13, 2016

Apr 18, 2016

15/131957

- Scottsdale AZ, US
Chuck Hutchison - Phoenix AZ, US
Lou Anne Alexander - Scottsdale AZ, US
Austin McCormick - Scottsdale AZ, US
Laura Weinflash - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 20/14
G06Q 20/02
G06Q 20/24
G06Q 20/40
G06Q 20/26

A method including providing a payment application to a sender from an application service provider. The method also can include receiving a payment authorization from the sender through the payment application. The payment authorization can be made by the sender at a payment authorization time. The method additionally can include sending a first debit message from the application service provider to debit a first account maintained by a first financial institution based on the payment authorization. The method further can include receiving a first debit response at the application service provider in real-time after the payment authorization time. The method additionally can include generating a first promise-to-pay message for a second financial institution to credit a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method further can include sending the first promise-to-pay message. The method additionally can include receiving a first response at the application service provider indicating a successful credit of the second account maintained by the second financial institution. The method further can include sending a notification to the sender from the application service provider in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

2016030, Oct 13, 2016

Apr 18, 2016

15/131939

- Scottsdale AZ, US
Chuck Hutchison - Phoenix AZ, US
Lou Anne Alexander - Scottsdale AZ, US
Austin McCormick - Scottsdale AZ, US
Laura Weinflash - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 20/40
G06Q 20/26

A method including receiving a debit message at a first financial institution to debit a first account maintained by the first financial institution based on a payment authorization for a payment amount made by a sender at a payment authorization time, the first account being held by the sender. The method also can include performing a successful debit for the payment amount from the first account maintained by the first financial institution in real-time after the payment authorization time. The method additionally can include sending a debit response from the first financial institution in real-time after the payment authorization time. Other embodiments are provided.

2016030, Oct 13, 2016

Apr 18, 2016

15/131972

- Scottsdale AZ, US
Chuck Hutchison - Phoenix AZ, US
Lou Anne Alexander - Scottsdale AZ, US
Austin McCormick - Scottsdale AZ, US
Laura Weinflash - Scottsdale AZ, US
Rajesh Kulkarni - Scottsdale AZ, US

Early Warning Services, LLC - Scottsdale AZ

G06Q 20/40
G06Q 20/38

A method including receiving a first promise-to-pay message at a second financial institution. The method also can include performing a successful credit for the payment amount to a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method additionally can include sending a first response from the second financial institution indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

2014019, Jul 17, 2014

Jan 15, 2013

13/741765

- Waltham MA, US
Pranav Patel - Tucson AZ, US
Kevin R. Albrecht - Oro Valley AZ, US
Rajesh Kulkarni - Tucson AZ, US
Michael C. Brown - Tucson AZ, US
Sam M. Daniel - Tucson AZ, US

RAYTHEON COMPANY - Waltham MA

H04L 27/26

375260

In one aspect, a method includes performing a mapping on bits to form a complex data symbol, applying a frequency rotation mask to the complex data symbol based on a polynomial phase, performing an inverse discrete Fourier transform (IDFT) after applying the frequency rotation mask, applying a time domain window after performing the IDFT, converting digital data to analog data after applying the time window and transmitting the analog data as an analog signal.