Patents Examined by Bruce I Ebersman
  • Patent number: 11900471
    Abstract: Aspects of the disclosure relate to a system and method for electronically monitoring and using data indicative of driver characteristics based on sensors. For example, the system may determine an origin associated with a user, a destination associated with the user, and a desired arrival time at the destination. A driving characteristic computing device of the system may determine an estimate for a duration of a trip from the origin to the destination. Based on the estimate for the duration and the desired arrival time at the destination, the driving characteristic computing device may determine a recommended departure time from the origin for the user. Based on sensor data, the system may determine a departure time from the origin for the user. The driving characteristic computing device may compare the departure time to the recommended departure time, and a value of a property of insurance for the user may be determined based on the comparing.
    Type: Grant
    Filed: June 14, 2021
    Date of Patent: February 13, 2024
    Assignee: Allstate Insurance Company
    Inventors: Soren K Lundsgaard, Tara Cavallaro Kozlowski
  • Patent number: 11893632
    Abstract: Systems and methods for dynamic detection of security features based on self-supervised natural language extraction from unstructured data sets are disclosed. The system may receive an unstructured data array including a full text of financial narrative. The system may serialize the unstructured data array to form one or more first data arrays including portions of the full text as discrete financial risk narratives. The system may build a tokenization dictionary and determine condensed summaries for each portion of the full text. The system may determine a relevancy score and a sentiment score for each condensed summary and calculate an overall relevancy score as a weighted average of the relevancy score and the sentiment score. When the overall risk score exceeds a predetermined threshold, the system may execute one or more security actions.
    Type: Grant
    Filed: January 6, 2021
    Date of Patent: February 6, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Minnie Virk, Rohan Mehta, Alberto Silva, Anthony Shewnarain, Steven Freeman, Stephen Jurcsek, Leah Lewy, Ross Arkin
  • Patent number: 11893581
    Abstract: A payment device such as electronic transaction card or an near field communication device can use a temporary token for payment transactions. When processing a payment transaction, the temporary token is provided to a server of the issuer of the payment device, which can authorize the payment transaction and determine if the temporary token can be used for a subsequent transaction. If the server determines that the temporary token cannot be used for another transaction, the server provides the payment device with a new temporary token and an issuer script. When the payment device receives the issuer script, the payment device can execute the issuer script to store the new temporary token on the payment device.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: February 6, 2024
    Assignee: Block, Inc.
    Inventors: Afshin Rezayee, Murat Cat
  • Patent number: 11887085
    Abstract: Examples described herein relate to apparatuses and methods for reducing an amount of time that a user of a drive-up banking system is exposed to outdoor environmental conditions. A method includes detecting, by a drive-up banking system, a presence of a vehicle proximate the drive-up banking system; projecting, by the drive-up banking system, a user interface onto a vehicle window such that the user interface is visible to the occupant of the vehicle; receiving, by the drive-up banking system, information indicative of an identity of the occupant of the vehicle; determining, by the drive-up banking system, an account corresponding to the occupant of the vehicle; requesting, by the user interface, transaction information; receiving, by the user interface, information indicative of the transaction information; and conducting, by the drive-up banking system, a transaction based on the transaction information.
    Type: Grant
    Filed: April 13, 2021
    Date of Patent: January 30, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Dennis E. Montenegro
  • Patent number: 11880826
    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.
    Type: Grant
    Filed: July 16, 2021
    Date of Patent: January 23, 2024
    Assignee: BAKKT MARKETPLACE, LLC
    Inventors: Christopher Michael Petersen, Jeffrey Scott Pittelkau, Nikolais Linsteadt, Joseph Arthur Revnes, Brian Daniel Cooper, William Matthau, Yamini Bistesh Sagar, Nicolas Frederic Cabrera, Utkarsh Agarwal, Tim Kuchlein, Bharath Lakshmanan, William Andrew Bryant, Stephen Paul Saucier, Deepak Kumar, Anil Jaiswal, Byungkwon Jeon, Balaji Devarasetty
  • Patent number: 11880896
    Abstract: Systems and methods for generation and use of vendor management platform architectures are disclosed. A compliance component may be utilized to receive user input data indicating supply contracts between a client and a vendor. The user input data may be utilized to determine insurable obligations associated with the supply contract and provide indications as to whether or not the vendor is compliant with the insurable obligation required by the supply contract. An exposure assessment component may be utilized to determine an exposure score associated with a client account and/or a vendor account based on various compliance factors, spending amounts, and/or properties associated with at least one of goods and/or services that a vendor will supply to a client.
    Type: Grant
    Filed: June 22, 2020
    Date of Patent: January 23, 2024
    Assignee: AON RISK SERVICES, INC. OF MARYLAND
    Inventors: Lewis C. Lee, Louise Janice Luvina Bowman, Samuel Cameron Fleming, David Christopher Ledgerwood, Jesus Gonzalez
  • Patent number: 11880818
    Abstract: Techniques and arrangements of a point-of-sale (POS) system including a transaction interface control mechanism configured to prevent simultaneous input by a merchant and a customer during a transaction. The POS system can include a merchant user interface (UI) presented on a merchant-facing display and a customer UI presented on a customer-facing display. In some instances, the merchant UI can be on a display of a merchant device, while the customer UI can be on a display of a customer device. In such instances, the merchant device and the customer device can be operably connected via a wired or wireless connection.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: January 23, 2024
    Assignee: Block, Inc.
    Inventors: Bruce Bell, Alexey Kalinichenko, Logan Johnson, Nicholas Dower, Raymond Ryan
  • Patent number: 11880881
    Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a computing system may provide a graphical user interface at a display of a user computing device. The user interface may include a positive financial profile indicator at a first position on the display; a negative financial profile indicator at a second position on the display opposite the positive financial profile indicator; and a user financial profile indicator describing a user, the user financial profile indicator positioned between the positive financial profile indicator and the negative financial profile indicator. The computing system may receive user transaction data describing a financial transaction. The computing system may determine that the financial transaction worsens a financial profile of the user. The computing system may also modify the user interface to orient the user financial profile indicator towards the negative financial profile indicator.
    Type: Grant
    Filed: April 5, 2023
    Date of Patent: January 23, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: John Andrew Chuprevich, Eric M. Huitger, Akiva D. Kates, Ray G. Redwood, Teresa Lynn Rench
  • Patent number: 11875321
    Abstract: A card, such as a payment card, can enable provisioning of services. The card includes hardware and software that enable the card to connect to a local device that includes a display. Further, the card can comprise hardware and software that allow the card to connect to a remote server, in one instance by way of a dedicated communication channel. The card can also include a processor and memory that stores instructions that when executed by the processor provide services, such as bank services. The display is provided with graphical elements by the service for rendering including data from a bank or other remote server. A device or interactive display can enable user interaction with services.
    Type: Grant
    Filed: January 7, 2021
    Date of Patent: January 16, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Manpreet Singh, Parul Ghosh
  • Patent number: 11868983
    Abstract: Various embodiments include at least one of devices, systems, methods, and software systems and method enabling communication and signaling devices. One embodiment is in the form of a method that includes receiving, via a network, data from a mobile device of an authenticated customer, including data of items for purchase scanned by the mobile device and storing the data of the scanned items for purchase in a cart data structure associated with an account of the authenticated customer. The method also includes receiving, via the network, data indicating the mobile device is located at a pay station and payment data from the mobile device to pay for items represented in the cart data structure. This method further includes transmitting, via the network and in response to the received payment data, a payment confirmation to the mobile device generated upon successfully processing a payment for items in the cart data structure.
    Type: Grant
    Filed: November 27, 2019
    Date of Patent: January 9, 2024
    Assignee: NCR Voyix Corporation
    Inventors: Kip Oliver Morgan, James Emery Fugedy, II
  • Patent number: 11869006
    Abstract: Systems and methods are provided for use in identifying synthetic party identities. One exemplary method includes receiving, at a computing device, a request from a relying party to assess validity of an identity presented by an asserting party in a network communication between the asserting party and the relying party, where the request includes identity data associated with the identity of the asserting party. The method also includes calculating, by the computing device, an assessment metric representative of the validity of the identity of the asserting party, where the assessment metric is based on at least one score derived from the identity data, and transmitting, by the computing device, the assessment metric to the relying party, whereby the relying party utilizes the assessment metric to determine whether or not to further interact with the asserting party in connection with the network communication.
    Type: Grant
    Filed: February 17, 2021
    Date of Patent: January 9, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Reza Rahimi
  • Patent number: 11869078
    Abstract: A method for generating a prediction of a latency of a transaction processing system includes: sampling a first plurality of messages from a database that stores data indicative of messages previously processed by the transaction processing system including a characteristic and a processing time of each previously processed message; generating latency tables based upon the characteristics and the processing times of the sampled first plurality of messages; determining a characteristic of each of a second plurality of messages being processed by the transaction processing system; selecting, for each of the second plurality of messages, a latency table from the plurality of latency tables based upon the respective determined characteristic; simulating a processing time for each of the second plurality of messages based upon the respective selected latency table; and generating a latency prediction for the transaction processing system based upon the simulated processing times for the second plurality of message
    Type: Grant
    Filed: April 15, 2021
    Date of Patent: January 9, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Jose Antonio Acuña-Rohter, Paul Callaway, Kyle D. Kavanagh, Christopher Walsh, Sherry Bryant, Elisa Lugo, Joshua Hoffberg
  • Patent number: 11868975
    Abstract: According to one example embodiment, a computer implemented method performed by a funds transfer computing system, includes registering a beneficiary to a rating system. Registering the beneficiary comprises receiving identifying information including at least one of a receiving account, a financial institution associated with the receiving account, a beneficiary location, a beneficiary name, and an authentication factor. An identity of the beneficiary is validated in response to the received identifying information. A trust score for the beneficiary is generated. The trust score is indicative of the beneficiary's likelihood of being approved to receive funds in an international funds transfer between the beneficiary and a payor.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Elise M. Chapman, Autumn Krischer, Sanjay Mishra, Dove Vallender, Sushil Kumar Vyas, Jeannette Woodbury, Feiwen Xu
  • Patent number: 11861568
    Abstract: There are provided systems and methods for data tracing identifiers for tracking data flow through a data model and computing services. An entity, such as company or business, may provide computing services. When providing these services, one or more computing services, processors, or the like of the service provider's computing architecture may be used. This may include processing data through a data processing flow that uses multiple computing services. To automate data tracing through a data processing flow and corresponding computing services, a data library may be used to create and inject data trace identifiers to a message header associated with the data to be processed. This may be propagated with the data to other and/or centralized computing services, which may then persist the identifier with the data in a data table column for a standardized data model. These mappings may be stored by the centralized computing services.
    Type: Grant
    Filed: December 28, 2021
    Date of Patent: January 2, 2024
    Assignee: Brex Inc.
    Inventors: Luca Marturana, Nikunj Yadav
  • Patent number: 11861731
    Abstract: Systems and methods are provided for the problem of automatic, algorithm-guided estimation of insurance loss ratio, claims frequency, the probability of excess claims, and other insurance policy performance characteristics for an individual insured or for groups of insured individuals. A time-series-derived Bayesian power spectrum weight is calculated from the frequency of temporal pattern-specific values in terms of intensities at various frequencies of the power spectrum computed from credit utilization ratio (CUR; outstanding balance of debt, as a percentage of credit line available) time-series obtained by the insurer by ‘soft pull’ inquiries submitted periodically to credit-rating agencies, and provides an opportunity to capture and measure the relative magnitude of frequent or unexpected changes in consumer liquidity.
    Type: Grant
    Filed: February 6, 2023
    Date of Patent: January 2, 2024
    Assignee: Cerner Innovation, Inc.
    Inventor: Douglas S. McNair
  • Patent number: 11861608
    Abstract: Methods and systems are described. A method includes accessing a first identifier of a payment requester and a first identifier of an electronic communication from an electronic communication client that identifies a payment requester and an electronic communication, authenticating the payment requester as being registered to receive payments, if the payment requester is authenticated, automatically identifying a payment service that is registered as an approved payer, and authenticating the payment service as being approved to make payments to the payment requester. In response to a selection of a funds transfer triggering component in the electronic communication, causing a transfer of funds from the approved payment service to the payment requester.
    Type: Grant
    Filed: March 17, 2020
    Date of Patent: January 2, 2024
    Assignee: Visa International Service Association
    Inventor: Kalyana Krishna Panuganti
  • Patent number: 11861560
    Abstract: A computer system for selection of data records for forwarding includes one or more data storage devices storing data records including structured and unstructured data, and an analysis hardware server configured to, in cycles, determine sets of data records for predictive model review, extract words and phrases from the unstructured data, apply the predictive model to determine current-cycle scores for the data records of the set, assign the data records to groups in accordance with the current-cycle score, determine a velocity of change in group, and select data records for forwarding to an operation system based at least in part on the determined velocity of change in group.
    Type: Grant
    Filed: September 24, 2021
    Date of Patent: January 2, 2024
    Assignee: Hartford Fire Insurance Company
    Inventors: Bixia Li, Arthur Paul Drennan, III, Brian J. Gooley
  • Patent number: 11853993
    Abstract: Methods and systems of generating payees from paper check deposits are disclosed. A financial institution computing system includes a data storage system, a network interface logic enabling the financial institution to exchange data over a network, a check processing logic, and a payment transaction logic. The check processing logic obtains payee information using a paper check deposit request submitted by a recipient. The payment transaction logic uses the payee information to create and store the potential payee in the data storage system.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Liesl Brown, Karl Willard, Jay Bozicevich
  • Patent number: 11847700
    Abstract: Example embodiments of a data processing method, system, and non-transitory computer-readable medium are described.
    Type: Grant
    Filed: December 17, 2021
    Date of Patent: December 19, 2023
    Assignee: Nasdaq Technology AB
    Inventors: Bengt Lejdstrom, Oskar Sander, Johan Soderqvist
  • Patent number: 11847666
    Abstract: A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: December 19, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, Teddy J. Voutour, Shanna Limas, William Chandler, Michael P. Burns, Daniela Wheeler, Kathleen L. Swain, Cleburne R. Burgess