Richard R Elliott

Address:

2806 Priestcliff Dr SE, Smyrna, GA 30080

VIN:

4S3BL616777210540

Make:

SUBARU

Model:

LEGACY

Year:

2007

US Patent:

20210158322, May 27, 2021

Filed:

Nov 25, 2019

Appl. No.:

16/694502

Inventors:

- McLean VA, US
Katelyn Schultz - New York NY, US
Fouad Alkisswani - New York NY, US
Richard Elliott - Glen Allen VA, US
Kylen Dau - Maidens VA, US
Rajsaday Dutt - Vienna VA, US
Marcelo Jabif Epsztejn - Reston VA, US

International Classification:

G06Q 20/22
G06Q 20/24
G06Q 20/02
G06Q 20/40

Abstract:

A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.