Patents Examined by Eric T Wong
  • XBRL comparative reporting
    Patent number: 10636086
    Abstract: A comparative reporting system provides financial benchmarking and analytics. Integrating public reporting and enterprise software systems, raw financial information from external sources derived from a plurality of reporting sources can be ingested and processed to extract attributes and metrics. The extracted attributes and metrics can be data warehoused together with financial information from the enterprise software system. Analytics can be performed to generate a comparison between the enterprise and the plurality of reporting sources.
    Type: Grant
    Filed: August 30, 2016
    Date of Patent: April 28, 2020
    Assignee: Oracle International Corporation
    Inventors: Amit Goyal, Saurabh Verma, Ramy Yanetz, Mahendra Kumar, Vijay Aggarwal
  • Apparatuses, methods, and systems for remote deposit capture with enhanced image detection
    Patent number: 10621660
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: April 14, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Reynaldo Medina, Bharat Prasad
  • System and method for determining an indication of a location of a device in a vehicle
    Patent number: 10600125
    Abstract: A computer-implemented method for determining an indication of a location of a first device in a vehicle is presented. A determination may be made of when a second device in the vehicle transmits a signal. When the second device transmits the signal, an indication of a direction of orientation of the first device may be determined. The indication of the direction of orientation of the first device may be affected by the signal being transmitted by the second device. The indication of the location of the first device in the vehicle may be determined based on an indication of a direction of motion of the vehicle and the indication of the direction of orientation of the first device. The indication of the location of the first device may include an indication of whether the first device is associated with a driver seat of the vehicle.
    Type: Grant
    Filed: December 28, 2016
    Date of Patent: March 24, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Scott T. Christensen
  • Information-processing system, information-processing device, storage medium, and electronic money charging method
    Patent number: 10593155
    Abstract: An exemplary information-processing system includes at least a receiving unit (11) that receives a charge of electronic money usable in a predetermined payment system, a game control unit (12) that makes a game processing executable in response to the receipt of the charge by the receiving unit (11), and a balance control unit (15) that adds an amount of the charge received by the receiving unit (11) to a balance, without decreasing the balance in response to execution of the game processing.
    Type: Grant
    Filed: May 19, 2015
    Date of Patent: March 17, 2020
    Assignee: NINTENDO CO., LTD.
    Inventor: Daisuke Nakamura
  • Obtaining a signature from a remote user
    Patent number: 10592898
    Abstract: The present invention is directed to receiving a signature (or other type of verification or confirmation) from a remote user. The present invention enables a merchant to send a signature request over a network to any device having a browser and touch screen or other means for receiving user input. An input area is displayed within the browser on the user's device. When the user inputs a signature, the signature can be routed over a network back to the merchant to provide authorization for a transaction.
    Type: Grant
    Filed: December 31, 2012
    Date of Patent: March 17, 2020
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • System and method for transferring funds
    Patent number: 10592877
    Abstract: A method and system for payment processing comprises receiving sender information, receiving a fund transfer request that includes an identifier for a recipient, accessing an information directory based on the identifier to obtain account information for the recipient, and sending funds according to the fund transfer request to the recipient. The identifier may be in the form of non-sensitive/publicly available information, such as an E-mail address, a phone number, or other information. The information directory can correlate the identifier with a recipient owned bank account. The fund transfer may occur from two accounts within a bank or may occur from bank accounts at different banks.
    Type: Grant
    Filed: September 28, 2015
    Date of Patent: March 17, 2020
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Adam E. Vancini, Imran Haider, Sri Saravana Muthu
  • System and method for identifying related credit inquiries
    Patent number: 10592982
    Abstract: In one embodiment, a method includes receiving a credit inquiry for a monitored consumer. The method further includes performing at least one credit-inquiry analysis on the credit inquiry. The performing yields at least one of a matched creditor from master creditor records and an inferred credit category based on a lexical analysis. In addition, the method includes, responsive to the performing, determining whether the credit inquiry is related to a previous credit inquiry for the monitored consumer. Further, the method includes, responsive to a determination that the credit inquiry is related to a previous credit inquiry, suppressing a credit alert to the monitored consumer.
    Type: Grant
    Filed: February 16, 2017
    Date of Patent: March 17, 2020
    Assignee: CSIDENTITY CORPORATION
    Inventors: Steven E. Samler, Matthew Hall
  • Presenting a document to a remote user to obtain authorization from the user
    Patent number: 10579996
    Abstract: The present invention is directed to receiving a signature (or other type of verification or confirmation) from a remote user. The present invention enables a merchant to send a signature request over a network to any device having a browser and touch screen or other means for receiving user input. An input area is displayed within the browser on the user's device. When the user inputs a signature (or other form of user input acting as authorization), the signature can be routed over a network back to the merchant to provide authorization for a transaction. Various forms of authentication can be used to verify the identity of the user providing authorization for the transaction. A document can be presented to a remote user in conjunction with a request for authorization input from the user.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: March 3, 2020
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • Obtaining user input from a remote user to authorize a transaction
    Patent number: 10580000
    Abstract: The present invention is directed to receiving a signature (or other type of verification or confirmation) from a remote user. The present invention enables a merchant to send a signature request over a network to any device having a browser and touch screen or other means for receiving user input. An input area is displayed within the browser on the user's device. When the user inputs a signature (or other form of user input acting as authorization), the signature can be routed over a network back to the merchant to provide authorization for a transaction. Various forms of authentication can be used to verify the identity of the user providing authorization for the transaction.
    Type: Grant
    Filed: August 28, 2013
    Date of Patent: March 3, 2020
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • API framework for clearing non-deliverable interest rate swaps
    Patent number: 10572939
    Abstract: Systems and methods are provided for a clearing framework for clearing a non-deliverable interest rate swap. The clearing framework includes an application programming interface (API) including functions for processing trade messages including information used by a clearing house computing system in clearing non-deliverable interest rate swaps; one or more user interface screens comprising information corresponding to one or more non-deliverable interest rate swaps and one or more user interface screens comprising information of cleared interest rate swaps, one an API for reporting clearing information, wherein the one or more functions comprise a first messaging function to confirm clearing of the one or more non-deliverable interest rate swaps and a second messaging function to request consent to clear the one or more non-deliverable interest rate swaps.
    Type: Grant
    Filed: August 29, 2016
    Date of Patent: February 25, 2020
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Dhiraj Bawadhankar, Panagiotis Xythalis, Jingbin Yin, Molang Dong, Fateen Sharaby, Romil Parekh, Jalpan Shah
  • Contactless message transmission
    Patent number: 10558958
    Abstract: A system and method uses one or more repurposed data fields in a payment transaction message to pass the merchant consumable data from a mobile device to the merchant system using an existing channel. The merchant consumable data relate to loyalty or rewards.
    Type: Grant
    Filed: May 16, 2014
    Date of Patent: February 11, 2020
    Assignee: Visa International Service Association
    Inventors: Christian Flurscheim, Erick Wong, Oleg Makhotin
  • Shareable widget interface to mobile wallet functions
    Patent number: 10558963
    Abstract: Configuring a shareable widget interface to mobile wallet functions includes disposing a wallet module in a memory of a client device, and disposing a wallet companion applet in a secure element accessible by the client device, wherein the wallet companion applet facilitates access by at least one other applet and at least one wallet module to content that is stored in the secure element via a mobile wallet function sharable interface.
    Type: Grant
    Filed: October 14, 2016
    Date of Patent: February 11, 2020
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Satyan G. Pitroda, Nehal Maniar
  • Mobile wallet as provider of services consumed by service provider applications
    Patent number: 10546284
    Abstract: A system for supporting transactions by mobile devices includes a mobile transaction platform server hosting and managing a plurality of wallet services and at least one interface by which a service provider may discover and access the wallet services to build and distribute at least one wallet service to a services ecosystem, wherein the at least one wallet service enables implementation of a mobile transaction according to a template.
    Type: Grant
    Filed: January 12, 2016
    Date of Patent: January 28, 2020
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Satyan G. Pitroda, Nehal Maniar
  • Mobile wallet as a consumer of services from a service provider
    Patent number: 10546283
    Abstract: A system for supporting transactions by mobile devices includes a mobile transaction platform server hosting and managing a plurality of wallet services and at least one interface for deployment of the mobile transaction server within a network ecosystem used by a service provider. The service provider uses a resource of the mobile transaction platform to publish software that provides incremental functionality to a wallet application that operates on the mobile transaction platform.
    Type: Grant
    Filed: January 12, 2016
    Date of Patent: January 28, 2020
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Satyan G. Pitroda, Nehal Maniar
  • User interface with controller for selectively redistributing funds between accounts
    Patent number: 10540712
    Abstract: A graphical user interface including a controller for redistributing funds between a first account and a second account. The controller includes a slidable element positionable over a fixed background element to define a first segment and a second segment of the background element. A length of the first segment is representative of a balance of the first account, and a length of the second segment is representative of a balance of the second account.
    Type: Grant
    Filed: February 6, 2009
    Date of Patent: January 21, 2020
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Michael Scott Ley, Christine Johns, Christopher Michael Bajgier, David Wisely Vondle, Dario Francesco Buzzini, Michael Aaron Chapman, Mark Alexander Jones, Rodney Hal Monson
  • Method, system, and apparatus for facilitating trust certificate management/exchange
    Patent number: 10535100
    Abstract: The disclosure details implementations of apparatuses, methods, and systems directed to facilitating an entity sponsoring a trust. The sponsoring entity contributes a pool of assets (e.g., a pool of real property mortgages) to fund the trust. The system facilitates the creation of one or more classes of certificates that represent a portion of the assets held in the trust. For example, if the trust is funded by mortgages, the certificates will represent rights to different portions of principal and/or interest payments generated by the mortgages held as the asset pool. The sponsoring entity can use the system to sell all or some of the certificates to unrelated parties and to create a market in the certificates. Further, in an implementation, the sponsoring entity may also use the system to facilitate an ongoing certificate exchange program implementing a series of certificate exchange applications.
    Type: Grant
    Filed: July 7, 2014
    Date of Patent: January 14, 2020
    Assignee: Goldman Sachs & Co. LLC
    Inventors: Christopher John Creed, David Jonathan Rosenblum
  • Methods, computer program products, and systems for reducing liability exposure by improving retirement readiness of a workforce
    Patent number: 10521773
    Abstract: Disclosed herein are methods, computer program products, and systems to generate graphical user interfaces displays on user devices to analyze the effects of costs associated with an aging workforce that is not adequately ready for retirement. These systems will also generate graphical user interfaces displaying the total present value liability of retirement plans over a plan time period, that takes into account retirement savings options, healthcare plan options, target retirement ages, a retirement age ranges, and a replacement age ranges.
    Type: Grant
    Filed: May 19, 2016
    Date of Patent: December 31, 2019
    Assignee: Massachusetts Mututal Life Insurance Company
    Inventors: Hugh O'Toole, Drew E. Murphy
  • Computerized exchange controlled network system and related method
    Patent number: 10510115
    Abstract: A system for a computerized, Exchange-controlled network (“ECN”) is disclosed which is operated by an organization forming an Exchange. The ECN has at least one host server disposed at a first location which communicates with at least two front-end virtual servers disposed at second and third locations, wherein the servers are attendant to Exchange-authorized communities of interest (“COI”) each made up of at least one member, and thus authenticated to cryptographically validate and process digital information passed along the ECN without the use of intermediaries. A plurality of devices in the form of dongles are each configured to operate in conjunction with their respective COI member's server, and enable the Exchange to exercise controls over virtually all aspects of digital data access and digital order processing without the use of intermediaries.
    Type: Grant
    Filed: November 9, 2016
    Date of Patent: December 17, 2019
    Assignee: DEARBORN FINANCIAL, INC.
    Inventor: Michael B. Rohlfs
  • Ensuring secure access by a service provider to one of a plurality of mobile electronic wallets
    Patent number: 10510055
    Abstract: Facilitating exclusive access to a workflow of a service provider via a mobile wallet interface involves, within a client runtime environment, activating through the interface a service provider-specific application so that the service provider-specific application has exclusive access to a secure electronic transaction workflow of the service provider associated with at least one of the service provider-specific application and the wallet, while being denied access by the client runtime environment to any other service provider services or resources.
    Type: Grant
    Filed: July 2, 2015
    Date of Patent: December 17, 2019
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Nehal Maniar
  • Methods, apparatus, and systems for processing data transactions
    Patent number: 10504183
    Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: December 10, 2019
    Assignee: Nasdaq Technology AB
    Inventor: Kandan Venkataraman