Patents Examined by Elizabeth H. Rosen
  • Patent number: 11961069
    Abstract: A method includes receiving a request to open an account associated with a customer, information regarding the account, and a mobile device identifier. The mobile device identifier is received from a third-party computing system based on a first wireless communication between the mobile device and the third-party computing system. The method includes validating the mobile device as belonging to the customer based on the received mobile device identifier and binding the mobile device identifier to the customer based on the validation. The method includes establishing the account for the customer based on the received information regarding the account and generating a token for the account. In response to establishing the account and generating the token, the token is provided to the third-party computing system and provisioned to the validated mobile device via a second wireless communication between the mobile device and the third-party computing system.
    Type: Grant
    Filed: December 12, 2022
    Date of Patent: April 16, 2024
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Peter Ho, Andrew L. Martinez
  • Patent number: 11948138
    Abstract: A method includes determining a fuel amount; providing navigation directions; determining a vehicle arrival; transmitting a fuel purchase request; controlling a tank cover; receiving fuel; detecting that a tank is full; and transmitting a stop fueling request. A computer system includes a processor configured to: determine a fuel amount; provide navigation directions; determine a vehicle arrival; transmit a fuel purchase request; cause a pump to provide fuel; control a tank cover; detect that a tank is full; and transmit a stop fueling request. A non-transitory computer-readable medium storing thereon a set of instructions that, when executed on a processor, causes the processor to: determine a fuel amount; provide navigation directions; determine a vehicle arrival; transmit a fuel purchase request; cause a pump to provide fuel; control a tank cover; detect that fuel tank is full; and transmit a stop fueling request.
    Type: Grant
    Filed: March 1, 2023
    Date of Patent: April 2, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kristopher Keith Gaudin, Leo Nelson Chan, Justin Davis
  • Patent number: 11941614
    Abstract: The present disclosure includes a data resource processing method. In the method, a data resource transfer request from a service target is received, the data resource transfer request including a target data resource type, an original data resource type, and a target data resource transfer amount. An original data resource transfer amount according to the target data resource transfer amount is determined, and the data resource transfer request is transmitted to a service provider. Response information in response to the data resource transfer request is obtained and an equity amount of the original data resource type according to the target data resource transfer amount and the actual deduction amount is obtained. Also, amount transfers between a first-type system account of the service target, a second-type system account of the service provider, and a system equity account are performed accordingly.
    Type: Grant
    Filed: April 1, 2022
    Date of Patent: March 26, 2024
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Huidong Guo, Dongdong Xie
  • Patent number: 11924322
    Abstract: Briefly, example methods, apparatuses, and/or articles of manufacture are disclosed that may be implemented, in whole or in part, using one or more Internet of Things devices to facilitate and/or support one or more operations and/or techniques for a blockchain for securing and/or managing IoT network-type infrastructure, such as implemented in connection with one or more computing and/or communication networks and/or protocols.
    Type: Grant
    Filed: May 16, 2017
    Date of Patent: March 5, 2024
    Assignee: ARM Ltd.
    Inventor: Paul Harry Gleichauf
  • Patent number: 11922524
    Abstract: A damage assessment (DA) computing device for determining building damage may be provided. The DA computing device may train a machine learning damage model using historical damage data, identify a plurality of buildings that are susceptible to potential damage from an upcoming weather event, the plurality of buildings including the building, input data associated with a roof of the building to the trained damage model, receive a model output from the trained damage model, the model output including a damage status of the roof representing the predicted extent of damage to the roof, when the predicted extent of damage to the roof exceeds a threshold, automatically generate a claim initiation message including a link that, upon selection thereof, causes initiation an insurance claim for the roof based upon the model output and the parameters associated with the building, and/or transmit the claim initiation message to a user.
    Type: Grant
    Filed: May 24, 2022
    Date of Patent: March 5, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Lynn Splittstoesser
  • Patent number: 11908014
    Abstract: Systems and methods for distributed ledger-based intraday trading are disclosed. In one embodiment, a method may include: receiving a digital representation of an amount of collateral for a cash borrower; receiving a digital representation of an amount of cash for a cash provider; receiving agreement from the cash borrower and the cash provider to terms of an intraday trade comprising a duration of the intraday trade, a collateral trade amount of the collateral, and a cash trade amount of cash; a smart contract executing the intraday trade by providing the trade amount of the digital collateral to the cash provider and the cash trade amount of the digital cash to the cash borrower; and the smart contract returning the trade amount of the digital collateral to the cash borrower and the cash trade amount of the digital cash to the cash provider at the completion of the intraday trade.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: February 20, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Scott Andrew Lucas, Christine Moy
  • Patent number: 11893642
    Abstract: The present disclosure generally relates to systems and methods for generating data representative of multi-product insurance discounts and related user interface displays. The systems and methods may include receiving personal data from an insurance customer and insurance product data. The systems and methods may further include generating data representative of multi-product insurance discounts based on personal data from an insurance customer and insurance product data. The systems and methods may further include generating displays of the multi-product discounts based on data representative of multi-product insurance discounts.
    Type: Grant
    Filed: July 5, 2019
    Date of Patent: February 6, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Benjamin R. Murphy, Howard Henderson, Jr., Elizabeth Orzolek, Arlene Serapin, Lisa Bianco
  • Patent number: 11869085
    Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.
    Type: Grant
    Filed: December 5, 2022
    Date of Patent: January 9, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ari Studnitzer, Zachary Bonig, Ryan Eavy, Frank Kmiec, Barry Galster, Paul Callaway
  • Patent number: 11869004
    Abstract: Embodiments include systems and techniques to perform secure transactions including processing registration information for each computing device of a plurality of computing devices having authority over a financial account. In one example, embodiments include receiving a pending transaction against the financial account from a computing device. Embodiments include executing an authentication protocol to determine the computing device is a member of the plurality of computing devices based upon the registration information, and processing data identifying another computing device within a configurable distance from the computing device. Embodiments further include the system to execute the authentication protocol to determine the other computing device is a member of the plurality of computing devices based upon the registration information and bypass a portion of a security procedure for authorizing execution of the pending transaction.
    Type: Grant
    Filed: May 1, 2020
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Vincent Pham, Austin Grant Walters, Anh Truong
  • Patent number: 11861709
    Abstract: An electronic trading system is configured to trade credit default swap (CDS) futures contracts on an open exchange. The CDS futures contract allows the buyer and seller isolate and trade the credit risk of a third party. The third pay may be a corporation, sovereign government, or any entity that issues bonds or notes. The CDS futures contract seller effectively pays the premium over time in increments determined by market rates and through the natural operation of the open market. The CDS futures contract buyer makes a contingency payment if the CDS futures contract goes in-the-money (ITM). Both sides of the contract are guaranteed by the exchange as a counterparty.
    Type: Grant
    Filed: January 23, 2023
    Date of Patent: January 2, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: David Andrew Boberski
  • Patent number: 11861614
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Patent number: 11861615
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Patent number: 11861616
    Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.
    Type: Grant
    Filed: February 26, 2023
    Date of Patent: January 2, 2024
    Inventor: Eugenia Roxanne Miller
  • Patent number: 11861730
    Abstract: Methods and systems for maintaining a distributed ledger and/or blockchain of transactions and/or events pertaining to autonomous vehicles and/or smart contracts are provided. One or more processors may monitor one or more sensors associated with an autonomous vehicle. Based upon the outputs of the sensors, a change in condition of the autonomous vehicle may be detected. The condition may relate to operation, or an operational state of the vehicle and/or a condition associated with a smart contract. The processors may generate a transaction describing the detected change in the condition of the vehicle. The transaction may be transmitted to an enforcement server. As a result, an up-to-date ledger of autonomous vehicle and/or smart contract transactions and/or events may be maintained.
    Type: Grant
    Filed: December 22, 2022
    Date of Patent: January 2, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew L. Floyd, Alvin Hon-wai Yu, Antwuan Murphy, Brittney Benzio, Lindsi Brantley, Matthew S. Delaney, Matthew Vulich, Matthew S. Rodriguez, Neha Goel, Sabrina Collins, Annie Pudlo Murillo
  • Patent number: 11836705
    Abstract: Systems and methods for electronic fobs that communicate via short range communications protocols to conduct transactions with a nearby device are provided. Such electronic fobs may use electronic tokens to conduct electronic transactions, such as payment transactions. Account data may be stored within a secure element of the electronic fob. Electronic tokens may also be stored by the secure element. Using such data and/or tokens, electronic fob may write electronic tokens to be used in electronic transactions. Also, such electronic fobs may also be used to perform other tasks and interface with other devices.
    Type: Grant
    Filed: September 2, 2022
    Date of Patent: December 5, 2023
    Assignee: PAYPAL, INC.
    Inventors: Guhan Senguttuvan, Satish Narayan Govindarajan, Anantharaj Uruthiralingam, Carlos Manuel Rivas, Gordon Lo, Jeffrey Hirsch
  • Patent number: 11836711
    Abstract: Systems and methods for space-based transactions are disclosed. A method for conducting a space-based transaction may include: (1) a first space-based device determining that it is incapable or will be incapable of providing the service; (2) the first space-based device identifying a second space-based device; (3) the first space-based device requesting capability information for the second space-based device; (4) the first space-based device that the second space-based device is capable of providing the service based on the capability information; and (5) the first space-based device executing a transaction with the second space-based device, wherein the first space-based device pays the second space-based device for the service by transferring payment from an electronic wallet for the first space-based device to an electronic wallet for the second space-based device on the distributed ledger network, and the second space-based device provides the service to the user.
    Type: Grant
    Filed: February 25, 2021
    Date of Patent: December 5, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Keerthi Moudgal, George Kassis, Tyrone Lobban, Christine Moy, Umar Farooq
  • Patent number: 11836795
    Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.
    Type: Grant
    Filed: January 15, 2021
    Date of Patent: December 5, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ari Studnitzer, Zachary Bonig, Ryan Eavy, Frank Kmiec, Scott Henderson
  • Patent number: 11829978
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.
    Type: Grant
    Filed: July 28, 2022
    Date of Patent: November 28, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kristopher Keith Gaudin, Leo Nelson Chan, Justin Davis
  • Patent number: 11823283
    Abstract: Methods and systems for maintaining a distributed ledger and/or blockchain of transactions and/or events pertaining to autonomous vehicles and/or smart contracts. An enforcement server may receive indications of transactions and/or events generated by one or more autonomous vehicles. The transactions and/or events may include information relating to a trigger condition and/or a decision condition associated with one or more smart contracts. The enforcement server may route the transaction to the appropriate smart contract to determine whether a trigger condition has been satisfied. When a trigger condition is satisfied, the enforcement server may automatically perform an action to enforce the smart contract and/or update the distributed ledger.
    Type: Grant
    Filed: January 30, 2023
    Date of Patent: November 21, 2023
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Matthew L. Floyd, Alvin Hon-Wai Yu, Antwuan Murphy, Brittney Benzio, Lindsi Brantley, Matthew S. Delaney, Matthew Vulich, Matthew S. Rodriguez, Neha Goel, Sabrina Collins, Annie Pudlo Murillo
  • Patent number: 11816644
    Abstract: A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.
    Type: Grant
    Filed: November 23, 2022
    Date of Patent: November 14, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ainsley Johnston, Daniel Carbone, Ramesh Jayakrishnan, Suvetha Sivakumar, Rohan Mazumdar