Patents Examined by Bennett M Sigmond
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Patent number: 11710198Abstract: Provided is a control method including: receiving, from first power equipment, first transaction data including, for example, transmitted power amount information indicating the amount of power transmitted to power accumulation equipment; obtaining, from the power accumulation equipment, received power information including, for example, received power amount information indicating the amount of power received from the first power equipment; verifying the first transaction data by referring to the received power information; executing a first consensus algorithm with second servers when the first transaction data is verified successfully; and recording a block including the first transaction data in a distributed ledger of a first server when the validity of the first transaction data is verified through the first consensus algorithm.Type: GrantFiled: November 22, 2021Date of Patent: July 25, 2023Assignee: PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICAInventors: Yuji Unagami, Hideki Matsushima
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Patent number: 11710179Abstract: Financing tools can provide a flexible credit services to customer. A credit service provider can collect personal data from clients that can include a mobile telephone number and a legal name of the client as well as purchase information from a merchant. Based upon the collected data, the system can determine a client credit risk. The system can make a credit decision to offer a client credit to purchase goods or services based upon the credit risk.Type: GrantFiled: May 14, 2015Date of Patent: July 25, 2023Assignee: Affirm, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11704637Abstract: A real-time third-party payment system accepts payments to a lender from third-party merchants in real-time. The payment system may receive real-time payment information from the third-party, and various services within the payment system validate the customer account information, create a payment, store the payment in a database, and post the payment to a real-time ledger. The payment system may also receive an end-of-day file including file-based payment information. The file-based payment information may be verified against the real-time payments stored in the database. Upon validation, the payment system creates a file based payment and posts the file-based payment to a file-based ledger. The payment system may detect fraud, errors, and other discrepancies in real-time payments and make corrections based on settlement rules and self-healing rules provided by the third-party.Type: GrantFiled: March 18, 2020Date of Patent: July 18, 2023Assignee: Capital One Services, LLCInventors: Sriramprabhu Rajendran, Janagaraj Ragupathy, Adarsh Tandon, Justine Thomas, Jason E. Lines
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Patent number: 11687999Abstract: A rental self-service (“RSS”) computer system, including a processor and a memory, is provided. The processor is programmed to: (i) verify that a policyholder is eligible to receive a replacement rental; (ii) transmit a customized link to the eligible policyholder; (iii) receive an access request for access of a rental self-service portal, (iv) retrieve policyholder data using information extracted from the customized link; (v) pre-populate a portion of a searchable interface of the rental self-service portal using the retrieved policyholder data; (vi) cause rental vehicle data to be displayed to enable the policyholder to view available rental options and select a vehicle class; (vii) calculate a policyholder cost for renting a selected vehicle class; and (viii) cause to be displayed on the user device (a) the calculated policyholder cost and (b) an option to confirm the rental reservation.Type: GrantFiled: September 2, 2021Date of Patent: June 27, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Josh Schumann, Itobore Odje, Cagatay Azkin, Scott Vermeyen, Kevin Lenz, Norma Musciotto, Denise Ferguson, Brian Miller, Chris Sharp, Andrea Foster, Ivan Hall, Tracey Herring, Steve Stought, Sanjay Sen, Matt Ackers, Tarikere Yunus Zareena Parveen, Michelle Adler, Eric Brown, Billy Simonovich, Jose Gonzalez
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Patent number: 11687903Abstract: A method includes receiving, by a network computer, a request message including interaction data for an interaction with a user. The interaction data includes an account identifier for an account of the user. The network computer determines that the interaction is eligible for an installment plan by analyzing the interaction data. Based on determining that the interaction is eligible for the installment plan, the network computer transmits data identifying the installment plan. The network computer receives acceptance of the installment plan by the user. Responsive to confirming the acceptance, the network computer initiates the installment plan.Type: GrantFiled: November 13, 2019Date of Patent: June 27, 2023Assignee: Visa International Service AssociationInventors: Sheryl Pinto, Muhammad Khan, Xiaodong Jiang, Dogan Duransoy, Anuja Seton, Wayne Boland, Chris Truelson, Eduardo Vaena, Shashi Velur, Mohammad Al-Bedaiwi
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Patent number: 11676117Abstract: An example operation includes one or more of capturing message content from messages between a sender and receiver which comprise information about a transfer of value from the sender to the receiver, detecting information about a compliance check within the message content which indicates whether the transfer of value complies with jurisdictional regulations, and recording the message content including the detected information about the compliance check via a blockchain.Type: GrantFiled: May 7, 2020Date of Patent: June 13, 2023Assignee: International Business Machines CorporationInventors: Nitin Gaur, Malavan Balanavaneethan, Mayuran Satchithanantham, Hung Chung Kuo, Chung Yu Huang
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Patent number: 11676126Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.Type: GrantFiled: May 7, 2019Date of Patent: June 13, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer J. Caceres, Lila Fakhraie, Jennifer Greene, Christopher J. Hirth, Ashish B. Kurani, Andrea Renee Leighton, Margot Lockwood-Stein, Kumaran Perumal, Benjamin Soccorsy, Ronald H. Yang, Young M. Yang
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Patent number: 11669839Abstract: A system for processing a digital transaction includes a user authenticator, a processor in communication with the user authenticator, and non-transitory computer readable media that stores instruction code. The user authenticator is configured to receive biometric data associated with a user from a sensor. The sensor corresponds to at least one of: an image sensor, a finger print sensor, a motion sensor, a user interaction pattern sensor, and an infrared image sensor. The user authenticator is further configured to receive user identifying information and to determine whether the biometric data associated with the user is associated with the user identifying information to thereby validate the user. If the user is validated, the user authenticator is configured to generate user credentials associated with the user. The instruction code is executed by the processor and causes the processor to receive, from a user terminal, the user credentials.Type: GrantFiled: January 17, 2018Date of Patent: June 6, 2023Assignee: Accenture Global Solutions LimitedInventors: David Wiseman, Peter McElwaine-Johnn, Stirling Bookallil, Jane Adshead
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Patent number: 11663563Abstract: Systems and computer-implemented methods of providing interoperability between incompatible payment systems may be provided. For example, a server may receive encoded data from a wallet server of the first closed loop payment system, the encoded data using an encoding scheme and being based on a digital encoding of a recipient. The server may identify a receiving institution of the second closed loop payment system based on the encoding scheme. The server may transmit the encoded data to the receiving institution and receive a response from the receiving institution. The response may include a recipient identifier and a recipient attribute. The server may mediate the payment from the sender closed loop account to the recipient closed loop account based on the receiving institution, the recipient identifier and the recipient attribute. For example, the server may perform clearing-and-settlement or switching-and-routing to mediate the payment.Type: GrantFiled: July 7, 2020Date of Patent: May 30, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Manoneet Kohli
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Patent number: 11663653Abstract: Method, system and computer program product for transaction evaluation based on a potential impact of the potential transaction on defined plans. In one embodiment, the method comprises receiving at a financial analysis computer system specified interactions intercepted when a person uses a client computing device to identify a potential transaction, and the analysis computer system processing these interactions for determining a potential impact of said transaction on one or more defined goals of the person. Before the person commits to the transaction, the analysis computer system generates a client guidance signal based on this determining, and sends the client guidance signal to the client computing device to instruct that device to convey guidance to the specified about the transaction. The specified interactions received at the financial analysis computer system data may identify a transaction context and activity of the person.Type: GrantFiled: August 29, 2014Date of Patent: May 30, 2023Assignee: International Business Machines CorporationInventors: K. Anne-Rivers Forcke, Dimitri Kanevsky, Walter S. Kuhnel, Elizabeth V. Woodward, Shunguo Yan
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Patent number: 11657459Abstract: Methods and systems for predictively generating an insurance claim in response to detecting an imminent insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store a first set of data received from smart devices disposed on, or proximate to, a property. This data may be analyzed to detect that an insurance-related event is imminent and calculate a likelihood that a property owner will file an insurance claim in response to damage caused by the imminent insurance-related event. If there is a sufficient likelihood that an insurance claim will be filed, the smart home controller or remote processor may store a second set of data received from the smart devices. Subsequently, according to certain aspects, the second set of data may be analyzed to prepopulate an automatically generated insurance claim with information detailing damage to the property caused by the insurance-related event.Type: GrantFiled: June 22, 2020Date of Patent: May 23, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Daryoush Hakimi-Boushehri, Jackie O. Jordan, II, Shawn M. Call, John H. Weekes, Ronny S. Bryant, Jennifer Criswell Kellett, Todd Binion, Elisabeth McDermeit, John Donovan
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Patent number: 11645697Abstract: A system and method for simple checkout is described. A computing device is used to access a website. The computing device receives a selection of an item to purchase at the retail website. The computing device provides purchase authorization information from the credit account app to a checkout of the retail website without the user providing account information for the credit account.Type: GrantFiled: March 7, 2017Date of Patent: May 9, 2023Assignee: BREAD FINANCIAL PAYMENTS, INC.Inventors: David Nack, Ramesh Korra
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Patent number: 11605089Abstract: A system that includes a fuel dispenser terminal and a remote controller. The fuel dispenser terminal is configured to generate a service request for a fuel purchase that includes card information, encrypt the service request, and send the encrypted service request to the remote controller. The fuel dispenser terminal is further configured to receive a personalized offer in response to sending the encrypted service request and display the personalized offer. The remote controller is configured to decrypt the service request to identify the card information associated with a customer and determine an identity of the customer based on the card information. The remote controller is further configured to generate a personalized offer for the customer based on their identity and send the personalized offer to the fuel dispenser terminal. The remote controller is further configured to re-encrypt the service request and send the re-encrypted service request to a service processor.Type: GrantFiled: May 9, 2019Date of Patent: March 14, 2023Assignee: 7-ELEVEN, INC.Inventors: Vivek Malik, Maninder Singh Suri, Gurmeet Singh, Matthew O'Daniel Redmond, Boonchai Matthew Ragan
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Patent number: 11599939Abstract: A system and method for processing loans includes loan approval decision module that receives input from a loan applicant and collects external data including credit bureau data, bank transaction data, and social media data. The system also includes a machine learning module having a pre-processing subsystem, an automated feature engineering subsystem and a feature statistical assessment subsystem. A business objective determination module and an adverse notice notification module is also provided. The business objective determination module includes a weight optimization company valuation maximization model. A set of models is developed using the machine learning module to predict performance of the borrower based on the business objective determination.Type: GrantFiled: February 20, 2019Date of Patent: March 7, 2023Assignee: HSIP Corporate Nevada TrustInventors: Joseph Plapprumbil James, Sandeep Prabhakara
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Patent number: 11593791Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.Type: GrantFiled: July 9, 2021Date of Patent: February 28, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Vu Nguyen, David Gabriele, Jonatan Y. Rodriguez, Adam Vukich, Abdelkader Benkreira, Joshua Edwards
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Patent number: 11580554Abstract: Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account.Type: GrantFiled: December 27, 2019Date of Patent: February 14, 2023Assignee: LENDINGCLUB BANK, NATIONAL ASSOCIATIONInventors: Shane Lunceford, Alejandra Tonda, Janna Goldberg, Albert Lee, Michael Homnick
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Patent number: 11580595Abstract: [Object] The object is to present a technical solution for a bank to disclose information on a deposit account directly to a third party. [Solution Means] The owner of a virtual currency address or real-currency deposit account provides a disclosure key to a disclosee (third party). The third party accesses a disclosure server 6 by operating a disclosee terminal 7, and transmits a disclosure request with the disclosure key. The disclosure server 6 accesses to an opener bank server 1, 8, acquires the virtual currency address owner information or the instant real-currency deposit account balance information, transmits it to the disclosee terminal 7, and make it browsable on the disclosee terminal 7.Type: GrantFiled: September 5, 2017Date of Patent: February 14, 2023Inventor: Ken Tsuboi
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Patent number: 11574365Abstract: Methods, apparatus, systems, computing devices, computing entities, and/or the like for generating a pre-approval token for a claim payment request based at least in part on draft claim data. The pre-approval token may be appended to a final, formalized claim relating to the draft claim during a formal claim submission process to retrieve and apply the results of the pre-approval review to facilitate formal claim resolution.Type: GrantFiled: June 17, 2019Date of Patent: February 7, 2023Assignee: Optum, Inc.Inventor: Kurt Indermaur
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Patent number: 11574307Abstract: An electronic transaction verification system comprising a client subsystem, a merchant subsystem, and a transaction verification subsystem. The transaction verification subsystem receives a quantum payment serial number from the client subsystem and performs entangled quantum encryption on the received quantum payment serial number to generate an entangled quantum payment serial number. The verification subsystem encrypts the entangled quantum payment serial number and transmits the encrypted entangled quantum payment serial number to the merchant subsystem. The transaction verification subsystem also transmits the entangled quantum payment serial number to the client subsystem.Type: GrantFiled: August 6, 2020Date of Patent: February 7, 2023Assignee: Bank of America CorporationInventor: Ravi Kiran Hukmani
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Patent number: 11562341Abstract: A selection of a fueling station item, graphically depicted on a display of a fuel dispenser and corresponding to an available fueling station product, can be received by at least one data processor of a fuel dispenser. A two dimensional barcode based on the selected fueling station item can be determined. The two dimensional barcode can be provided to the fuel dispenser display for graphical depiction on the fuel dispenser display.Type: GrantFiled: August 5, 2020Date of Patent: January 24, 2023Assignee: Wayne Fueling Systems LLCInventors: Vinod Krishnappa, Om Prakash Gupta, Harish Veeravalli, Gautham Ramamurthy, Henry Fieglein