Patents Examined by Bijendra K Shrestha
  • Patent number: 11868982
    Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.
    Type: Grant
    Filed: July 10, 2022
    Date of Patent: January 9, 2024
    Assignee: PayPal, Inc.
    Inventors: Patrick Babcock, Prashant Jamkhedkar, Aravindan Ranganathan
  • Patent number: 11861706
    Abstract: The present embodiments include methods, systems, and computer program products that provide tools for use in any type of electronic trading environment. In one aspect, leaning manager includes software that can be implemented on any type of computer device for tracking and/or coordinating the buying and selling of available market quantities by multiple automated or semi-automated trading tools. For instance, if more than one automated or semi-automated trading tool is leaning on the same tradeable object then the leaning manager may track and/or coordinate such action. The trading tools can use the tracked information and/or the allocated quantities and their prices to enhance their trading strategies.
    Type: Grant
    Filed: June 29, 2022
    Date of Patent: January 2, 2024
    Assignee: Trading Technologies International, Inc.
    Inventors: Scott F. Singer, Michael J. Burns, Mark A. Musgrave
  • Patent number: 11861576
    Abstract: A smart card includes a plurality of display devices on an outside surface of a housing. Circuitry within the housing includes a processor, and communication circuitry configured to communicate with at least one computing device located within a geographic region around the smart card. The processor is configured to continuously receive a plurality of communication signals from the computing device, to continuously assess a geographic distance from the smart card to the fixed position of the computing device within the geographic region using the plurality of communication signals, to continuously activate or deactivate the plurality of display devices based on the geographic distance from the smart card to the fixed position of the computing device in the geographic region for providing a user with a directional indication, distance indication, or both, to the computing device in the geographic region.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: January 2, 2024
    Assignee: Capital One Services, LLC
    Inventors: Daniel Herrington, Stephen Robert Schneider, Tyler Maiman, Charles Moore
  • Patent number: 11861707
    Abstract: The described technology relates to electronic continuous trading systems, and matching data records representing inventories with variant characteristics such as, variant length, variant data types, etc. Example implementations provide for generating instrument descriptors that include unitary-valued attributes and set-valued attributes, and the use of both types of attributes in trade decision making.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: January 2, 2024
    Assignees: NASDAQ TECHNOLOGY AB, NYIAX, INC.
    Inventors: Richard Payne, Valery Gridnev, Mark Grinbaum, Sergey Tsoy, Carolina Abenante
  • Patent number: 11853964
    Abstract: A smart inventory service provider system is provided. The system comprises a network interface configured to communicate data over a network and a processing circuit. The processing circuit comprises one or more processors coupled to non-transitory memory. The processing circuit is configured to receive inventory item data associated with an inventory item from a user mobile device and to associate the inventory item data with a user account in a user inventory database. The processing circuit is further configured to monitor a frequency of usage of the inventory item and to transmit a message to an external computing system soliciting a transaction offer related to the inventory item based on the frequency of usage of the inventory item. The processing circuit is further configured to, upon receiving the transaction offer from the external computing system, transmit the transaction offer to the user mobile device.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tracy Chan, Haritha Devarajan, Ellen Fabini, Jennifer Greene, Darius A. Miranda, Marria Wairmola Rhodriquez
  • Patent number: 11854085
    Abstract: According to one example, a system includes an apparatus having a display, a memory, and one or more processors. For each of one or more non-equity contributing members of a company, the processors determine a value associated with the non-equity contributing member, and display the value in a respective first portion of one or more graphical user interfaces. Also, following each of one or more first periodic intervals, the processors determine a first current EBITDA, determine a bonus payout, and display the bonus payout in a respective second portion that shares a column or row with the respective first portion. Furthermore, following the sale of the company, the processors determine a second current EBITDA, determine a sale payout, and display the sale payout in a respective third portion that shares the column or row with the respective first portion. Additional processes are performed for other members of the company.
    Type: Grant
    Filed: July 19, 2023
    Date of Patent: December 26, 2023
    Assignee: Anesthesia and Pain Physicians of Florida, LLC
    Inventors: Fabian A. Ramos, Cary A. Veith, Tara A. Glenn
  • Patent number: 11853985
    Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to configure a resource transfer of a first type; determining a first set of themes associated with resource transfers of the first type; and providing, for display on the client device, a user interface for configuring the resource transfer with theme data for a theme, wherein providing the user interface includes: displaying at least a subset of the first set of themes; receiving, via the client device, a selection of one of the themes of the displayed subset; obtaining an indication of available multimedia content items associated with the selected theme; and graphically presenting user interface elements corresponding to the multimedia content items via the user interface.
    Type: Grant
    Filed: May 27, 2021
    Date of Patent: December 26, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Dino Paul D'Agostino, Alexander Copeland Wright
  • Patent number: 11842297
    Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.
    Type: Grant
    Filed: April 25, 2022
    Date of Patent: December 12, 2023
    Assignee: Capital One Services, LLC
    Inventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
  • Patent number: 11842398
    Abstract: A system and a method automatically enable unconstrained inputs of data including a price that relate to a proposed new or modified trade orders between counterparties for submission to an electronic trading system that enforces constraints on the inputs relating to the proposed trades that can be submitted by the counterparties.
    Type: Grant
    Filed: April 28, 2022
    Date of Patent: December 12, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Richard Stevens
  • Patent number: 11842610
    Abstract: A method of operating an automated transaction machine (ATM) can include at least partially disengaging a first component of the ATM from a remainder of the ATM. The method can also include altering the first component to a non-conforming condition after being at least partially disengaged. The method can also include re-engaging the first component with the ATM after being altered. The method can also include replacing a second component of the ATM after the re-engaging. Replacing the second component can include pairing the second component with a computing device of the ATM. The pairing can be responsive at least in part to the altering.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: December 12, 2023
    Assignee: Diebold Nixdorf, Incorporated
    Inventors: Damon J Blackford, Rod Beaber, Ricardo Barros, Bernd Redecker
  • Patent number: 11823266
    Abstract: Provided herein are systems, methods, and articles for generating and handling units or records derived from non-commodifiable work products, and the like. The disclosure provides for generating a certification record, including receiving work product data and generating a digitized record derived from the work product data.
    Type: Grant
    Filed: October 25, 2021
    Date of Patent: November 21, 2023
    Inventors: Alexander Economides, Dorothy Haraminac, Tri Nguyen
  • Patent number: 11816732
    Abstract: Methods and systems for providing mechanisms for generating live market data for decentralized exchanges (DEXs) from transaction data extracted from a blockchain are provided. In embodiments, blockchain data associated with at least one token is obtained from a blockchain. The blockchain data corresponds to at least one executed function of a DEX protocol associated with the at least one token. Transaction data associated with the at least one executed function using at least one model generated based on an implementation of the DEX protocol is extracted from the blockchain data corresponding to the at least one executed function. The extracted transaction data is structured into a standardized format for market data corresponding to the at least one executed function associated with the at least one token, and the market data for the at least one token is outputted via one or more off-chain distribution channels.
    Type: Grant
    Filed: March 28, 2023
    Date of Patent: November 14, 2023
    Assignee: Challenger Deep SAS
    Inventors: Anastasia Melachrinos, Alexander Coenegrachts
  • Patent number: 11810203
    Abstract: Computer architectures and associated methods for real-time data processing are disclosed. In some embodiments, a trial adjudication request for a cost determination can be received by a first server and verified using a security protocol, wherein a password token of the trial adjudication request can be matched to a stored password token. The first server can transmit an adjudication command packet to a second server that includes at least one data set of a plurality of data sets and a command for a claim determination, and can receive a response packet from the second server. The first server can determine that a successful claim determination was performed by the second server from the response packet, and can transmit a reversal request packet to the second server which can cancel the successful claim determination. The first server can perform the electronic calculation using the claim data.
    Type: Grant
    Filed: August 15, 2019
    Date of Patent: November 7, 2023
    Assignee: Hippo Technologies LLC
    Inventors: Eugene Kakaulin, Michael Tanenbaum, Andrew Stead, Eric Young, Charles A. Jacoby
  • Patent number: 11811229
    Abstract: A method for controlling an electrical installation at least one of an electrical energy source or an energy sink. The electrical installation is coupled to a power grid. The method includes a period of time having a start time and a duration being specified, an upward flexibility Fo, which includes a forecast maximum feed-in power increase or feed-out power decrease, and a downward flexibility Fu, which includes a forecast maximum feed-out power increase or feed-in power decrease, being set for the period of time, a selling threshold price Pv and a purchasing threshold price Pe being set for the period of time, and an electricity trading transaction being concluded for the period of time. The electricity trading transaction includes a base value, a base quantity, a base price, a date on which the electricity trading transaction is to be carried out.
    Type: Grant
    Filed: September 22, 2022
    Date of Patent: November 7, 2023
    Assignee: ES ⋅ FOR ⋅ IN SE
    Inventors: Christian Hövelhaus, Philipp Thielke
  • Patent number: 11810095
    Abstract: A system and method allows a user to pay for a transaction by scanning an encoded image, for example, using a mobile device. The payor is anonymous to the party receiving payment.
    Type: Grant
    Filed: February 19, 2013
    Date of Patent: November 7, 2023
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Konstantinos P. Konstantinides, Naresh Sikha, Janardhan D. Kakarla, Eliel R. Johnson
  • Patent number: 11803904
    Abstract: A smart device comprising: a blockchain application module to blockchain data obtained by the smart device, the smart device configured to transmit blockchained data to a blockchain data system. A smart tracking system comprising the smart device and a blockchain data system comprising a number of blockchain nodes each configured to receive and store a copy of the blockchained data transmitted from the smart device.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: October 31, 2023
    Assignees: Ascent Solutions Pte Ltd, 1Citadel Pte. Ltd.
    Inventors: Chee Kean Lim, Kia Boon Chew, Yihang Huang, Heng Wee Chin, Hian Leong Ong, Eng Guan Ng
  • Patent number: 11790447
    Abstract: The disclosed embodiments relate to improving the efficiency of an electronic trading system for interest rate swaps (“IRS”) by allowing for IRS contracts to be funded in a base currency while the cash flows, e.g. coupon payments, price alignment interest, variation margin, are denominated in a local currency different from the base currency. Thereby cash flows may be netted and offset minimizing the magnitude of funds needed to be moved and reducing the number of transactions processed by the electronic trading system as well as the consumption of computational resources thereby. Furthermore, the disclosed embodiments facilitate entering into IRS transactions is a currency different from the currency of cash flows while eliminating Herstatt risk due to volatility of foreign exchange rates, which allows for increased off shore participation and thereby increased transaction volume.
    Type: Grant
    Filed: May 2, 2022
    Date of Patent: October 17, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Panagiotis Xythalis, Jay Zhu, Fateen Sharaby, Dhiraj Bawadhankar, Molang Dong
  • Patent number: 11790452
    Abstract: A computer implemented method for automatically compiling a portfolio of assets. The method includes generating a plurality of first generation portfolios of assets from a plurality of available assets, wherein each of said plurality of first generation portfolios is generated by random selection of one or more of the plurality of available assets. The method involves applying a random percentage weighting to each of the randomly selected assets, but where the sum of the random percentage weightings is arranged to equal 100%. It also involves calculating a score for each of the plurality of first generation portfolios of assets, the score for each of the plurality of first generation portfolios of assets comprising an aggregate of a plurality of different evaluation factors and ranking the plurality of first generation portfolios of assets by their respective scores. Then, one or more of the plurality of first generation portfolios of assets are selected based on their respective scores.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: October 17, 2023
    Assignee: Longview Financial Limited
    Inventor: Julian Moritz Schillinger
  • Patent number: 11789776
    Abstract: Embodiments of the present invention provide a system for minimizing computational processing for converting user resources to resources supported by third party entities. In particular, the system may be configured to determine that a user has scanned a code projected on an entity device via a third party application present on a user device of the user, wherein the entity device is associated with an entity, establish a first connection with the entity device, establish a second connection between the user device and the entity device based on determining that the user has scanned the code, determine that the user has inserted user resources into the entity device, via the first connection, convert the user resources to resources supported by a third party entity, and display in real-time, information associated with the resources on the third party application.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: October 17, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Matthew Edward Williams, Nicholas Ralph Jope, Paul Martin Mattison
  • Patent number: 11783411
    Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: October 10, 2023
    Assignee: Capital One Services, LLC
    Inventors: Christopher Taylor, Kelly Cravens, Nina Makan, Vivek Simkhada, Lun Zhang, Bonnie Henry, Patricia Graziose