Patents
US 12762559 B2: Payments federated directory
- Granted
- 2026-10-13
- Filed
- 2023-12-11 application 18535999
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Embodiments provide a methods and systems for securely providing access to sensitive information for a plurality of entities. The method includes receiving, by a payer credential service provider (CSP), from a payer, a request for payee electronically protected information (EPI). The payer CSP transmits to a payee CSP a request for payee EPI data. The payee CSP validates, using a distributed ledger system, whether the payer has permission to request the payee EPI. The payer CSP receives the payee EPI data from the payee CSP. The payer CSP sends the payee EPI data to the payer.
Source: PTBLXML, file of 2026-10-13 (ipgb20261013.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Capital One Financial Corporation 141 patents | US company or organization | McLean, VA | CAPITAL ONE FINANCIAL CORP SEC filer FUZZY low confidence: same name (legal endings aside), one of each nationally | PTBLXML, file of 2026-10-13 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Micah J. Kerr | Westerville, OH | PTBLXML, file of 2026-10-13 | ||
| Alexander Jay Nathan | Highland Park, IL | PTBLXML, file of 2026-10-13 | ||
| Julie Malikayil | Colorado Springs, CO | PTBLXML, file of 2026-10-13 | ||
| Michael D. Hansen | Houston, TX | PTBLXML, file of 2026-10-13 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/4014 | PTBLXML, file of 2026-10-13 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2025-07-02 | Merger Merger | DISCOVER FINANCIAL SERVICES signed 2025-05-16 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 71784/903 | PASDL, file of 2026-10-18 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.