William J Bryant

US Patent:

20220237597, Jul 28, 2022

Filed:

Aug 9, 2021

Appl. No.:

17/397810

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Yamini Bistesh Sagar - Alpharetta GA, US
Nicolas Frederic Cabrera - Atlanta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 20/38
G06F 9/54

Abstract:

Various embodiments are directed to providing digital asset conversion choices involving different digital assets. An example method includes receiving a first digital asset conversion request associated with an end user and indicating a source digital asset and determining a source conversion rate for the source digital asset using an application programming interface (API). The method further includes identifying one or more alternative digital assets; determining an aggregated conversion rate between each alternative digital asset and the source digital asset by identifying the end user and using an API; providing an indication of the alternative digital assets and corresponding aggregated conversion rates for display via a client device; and responsive to receiving a second digital asset conversion request comprising a selection of an alternative digital asset, executing a digital asset conversion by causing debiting of units of the source digital asset and crediting of units of the selected alternative digital asset.

US Patent:

20220237598, Jul 28, 2022

Filed:

Aug 30, 2021

Appl. No.:

17/460799

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Christopher Michael Petersen - Lakeway TX, US
Yamini Bistesh Sagar - Alpharetta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 20/38
G06Q 20/40
G06Q 20/26

Abstract:

Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving a user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account associated with the user. The method further includes, responsive to determining that a balance of the fiat currency user account does not satisfy a fiat currency unit threshold of a merchant transaction, retrieving a second account balance data object for a digital asset account associated with the user, determining a conversion rate between a digital asset and a fiat currency, and executing a digital asset conversion by closed-loop debiting digital asset units from the digital asset account and crediting fiat currency units to the fiat currency account.

US Patent:

20220237599, Jul 28, 2022

Filed:

Aug 30, 2021

Appl. No.:

17/460810

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Nicolas Frederic Cabrera - Atlanta GA, US
Yamini Bistesh Sagar - Alpharetta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 20/38
G06Q 20/40
G06Q 20/26

Abstract:

Various embodiments are directed to processing and executing digital asset conversions for real-time funding of a merchant transaction involving an end user. The user may pre-select digital assets to be converted to fiat currency, and a pre-selected digital asset can be internally-custodied or externally-custodied. An example method includes retrieving a first account balance data object for a fiat currency account. The method further includes, responsive to a balance of the fiat currency user account not satisfying a fiat currency unit threshold of a merchant transaction: receiving a second account balance data object for a digital asset account in response to transmitting an account query, determining a conversion rate for a digital asset, and executing a digital asset conversion by causing a debit of digital asset units from the digital asset account via transmitting a conversion execution API query and by crediting fiat currency units to the fiat currency account.

US Patent:

20220188780, Jun 16, 2022

Filed:

Aug 20, 2021

Appl. No.:

17/407888

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Christopher Michael Petersen - Lakeway TX, US
Yamini Bistesh Sagar - Alpharetta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 20/06
G06Q 20/38
G06Q 20/10
G06Q 20/26

Abstract:

Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes retrieving account balance data objects associated with the digital asset accounts for the first and second users. The method further includes, responsive to determining that the digital asset transfer satisfies one or more transfer conditions, executing the digital asset transfer by executing a closed-loop debit from the first user and executing a closed-loop credit to the second user. The method further includes updating the account balance data object to reflect the resulting balances of each digital asset account.

US Patent:

20220188811, Jun 16, 2022

Filed:

Jul 15, 2021

Appl. No.:

17/377178

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Yamini Bistesh Sagar - Alpharetta GA, US
Nicolas Frederic Cabrera - Atlanta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 20/38
G06Q 20/06
G06Q 20/36
H04L 29/06

Abstract:

Various embodiments are directed to processing conversions of digital assets to other digital assets. An example method includes determining a source exchange rate for a source digital asset and a fiat currency, determining a target exchange rate for a target digital asset and a fiat currency, and generating an aggregated conversion rate for the source digital asset and the target digital asset using the source exchange rate and the target exchange rate. The method further includes executing a digital asset conversion, which includes causing source digital asset units to be debited from a source digital asset user account and causing target digital asset units to be credited to a target digital asset user account, and subsequently executing fiat currency transactions (e.g., settlements) with a first digital asset exchange system associated with the source digital asset and a second digital asset exchange system associated with the target digital asset.

US Patent:

20220188812, Jun 16, 2022

Filed:

Jul 16, 2021

Appl. No.:

17/378250

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Yamini Bistesh Sagar - Alpharetta GA, US
Nicolas Frederic Cabrera - Atlanta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 20/38
G06Q 20/06
G06Q 20/10
G06Q 20/40

Abstract:

Various embodiments of the present disclosure are generally directed to processing conversions of digital assets to fiat currency. An example method includes obtaining a conversion rate for a digital asset via an API, providing the conversion rate via a client device, receiving a digital asset conversion request and executing a digital asset conversion within a configurable time period. Executing the digital asset conversion includes causing digital asset units to be debited from the digital asset user account and causing fiat currency units to be credited to a fiat currency user account. The method further includes dynamically providing a notification of execution of the digital asset conversion via the client device, updating account balance data objects associated with the digital asset user account and the fiat currency user account, and subsequent to executing the digital asset conversion, executing a fiat currency transaction (e.g., a settlement) with a digital asset exchange system.

US Patent:

20220188917, Jun 16, 2022

Filed:

Aug 20, 2021

Appl. No.:

17/407962

Inventors:

- Atlanta GA, US
Jeffrey Scott Pittelkau - Montgomery AL, US
Nikolais Linsteadt - Applegate CA, US
Joseph Arthur Revnes - Atlanta GA, US
Brian Daniel Cooper - Marietta GA, US
William Matthau - Laguna Niguel CA, US
Nicolas Frederic Cabrera - Atlanta GA, US
Yamini Bistesh Sagar - Alpharetta GA, US
Utkarsh Agarwal - Tucson AZ, US
Tim Kuchlein - Cupertino CA, US
Bharath Lakshmanan - San Ramon CA, US
William Andrew Bryant - Alpharetta GA, US
Stephen Paul Saucier - Atlanta GA, US
Deepak Kumar - Marietta GA, US
Anil Jaiswal - Marietta GA, US
Byungkwon Jeon - Cumming GA, US
Balaji Devarasetty - Atlanta GA, US

International Classification:

G06Q 40/02
G06F 9/54
G06Q 20/40
G06F 16/245

Abstract:

Various embodiments are directed to processing and executing digital asset transfers between two users. An example method includes receiving a data object defining a digital asset transfer, and the data object may be a query from the first user to initiate an outbound transfer to a second user or an approval of a request for digital asset units from the second user. The method further includes receiving account data for the first and second users via application programming interface (API) communication with an external system, and responsive to determining that transfer conditions are satisfied, executing the digital asset transfer by causing the external system to debit digital asset units from the first user and to credit digital asset units to the second user via API communication with the external system. The method further includes updating the account data to reflect account balances resulting from the debit and the credit.