Patents Examined by Jason M. Borlinghaus
-
Patent number: 11615480Abstract: The present disclosure is directed to conducting electronic transactions via a computer network. A server receives data packets carrying data identifying a merchant category, an electronic account maintained and configured on the server, and a first monetary amount of a first electronic transaction. A first device generates the data packets at the merchant to conduct the electronic transaction. A policy engine selects a first purse of a plurality of purses allocated to the electronic account based on a policy applied to the data. The first purse may be configured as a benefits purse. The server obtains the first monetary amount of the electronic transaction from the first purse. The policy engine applies a second policy to the data to determine a reimbursement amount based on the first monetary amount of the transaction, and electronically provides the reimbursement amount to a different second purse of the electronic account.Type: GrantFiled: February 4, 2022Date of Patent: March 28, 2023Assignee: Alegeus Technologies, LLCInventors: John Bull, Chris Rodkey
-
Patent number: 11023870Abstract: Systems and methods associated with providing an automated portal to migrate one or more relationships with one entity to another entity are disclosed.Type: GrantFiled: October 16, 2019Date of Patent: June 1, 2021Assignee: Capital One Services, LLCInventors: Elias Cottingham, Thomas Dodson, Dwayne Richardson
-
Patent number: 9811862Abstract: A computer device and method for processing data to determine suggested modifications to the policy terms or conditions contingent upon informatic data relating to habits and activities of inhabitants of an insured property or location. Informatic data relating to an insured property or location is electronically received from at least one informatic sensor device and is analyzed to determine behavioral habits and activities of one or more inhabitants associated with the insured property so as to identify one or more risks associated with the insured property or location. Electronic data is received for one or more terms of an insurance policy associated with the insured property and is analyzed to determine suggested modifications to the policy terms or conditions based upon the determined behavioral habits and activities of the one or more inhabitants associated with the insured property.Type: GrantFiled: June 12, 2014Date of Patent: November 7, 2017Assignee: United Services Automobile Association (USAA)Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, William Chandler, Daniela Wheeler, Kathleen L. Swain, Justin D. Haslam
-
Patent number: 9772685Abstract: A system, method, and non-transitory computer-readable information recording medium displays information to a user. Market data having a first portion and a second portion is displayed on a display unit of a trading device. A user focus area is detected, at the trading device. The user focus area is associated with one of the first and second portions of the market data. A first priority is assigned to the one of the first and second portions of the market data and a second priority is assigned to another one of the first and second portions of the market data. The first priority is higher than the second priority. The market data in the first and second portions is updated as a function of the first and second priorities, respectively.Type: GrantFiled: July 3, 2013Date of Patent: September 26, 2017Assignee: Trading Technologies International, Inc.Inventor: Brian J. Buck
-
Patent number: 9767515Abstract: Some embodiments of the invention provide systems and methods for displaying market data for a tradable object which are configured to generate order entry fields for display responsive to user input wherein the generated fields are automatically associated with a price for the tradable object to facilitate the timely placement of a trade.Type: GrantFiled: July 3, 2013Date of Patent: September 19, 2017Assignee: Trading Technologies International, Inc.Inventor: Brian J. Buck
-
Patent number: 9672565Abstract: Methods and systems for processing financial market data using a reconfigurable logic device are disclosed. Various operations such as volume weighted average price (VWAP) operations can be performed on the financial market data using firmware logic deployed on the reconfigurable logic device to accelerate the speed of processing.Type: GrantFiled: November 27, 2013Date of Patent: June 6, 2017Assignee: IP RESERVOIR, LLCInventors: Scott Parsons, David E. Taylor, David Vincent Schuehler, Mark A. Franklin, Roger D. Chamberlain
-
Patent number: 9582831Abstract: A high speed system and method for processing financial instrument order data are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to monitor a financial instrument order based on a risk profile to determine whether the order is appropriate. If determined appropriate, a financial instrument order can be routed to a trading venue. With respect to another exemplary embodiment, a reconfigurable logic device is employed to maintain a financial instrument order book.Type: GrantFiled: March 31, 2011Date of Patent: February 28, 2017Assignee: IP Reservoir, LLCInventors: Scott Parsons, David E. Taylor, David Vincent Schuehler, Mark A. Franklin, Roger D. Chamberlain
-
Patent number: 9558489Abstract: A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer; and an authentication computer. The mobile telephone handset receives a request from a user to load a value onto the smart card. The handset generates a funds request message which includes the value and sends the funds request message to a funds issuer computer. The funds issuer computer debits an account associated with the user. Next, the handset generates a load request message with a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card. The handset receives a response message which includes a cryptographic signature and an approval to load.Type: GrantFiled: September 9, 2014Date of Patent: January 31, 2017Assignee: Visa International Service AssociationInventors: Steven R. Hoffman, Suzanne C. Adams
-
Patent number: 9406088Abstract: A trading interface is provided for displaying market data related to a tradeable object being traded at an electronic exchange. According to one example embodiment, market data related to a tradeable object is displayed in relation to a value axis, such as a price axis. As new market data is received, the displayed market data is updated and may be repositioned so that a trader can view current market conditions in a viewable portion of the interface. The interface also includes a number of market movement indicators that assist a trader in tracking market movement. These viewable references allow a trader to navigate and immediately understand the “real” direction of the market activity despite any underlying adjustment of the viewable area of the trading interface.Type: GrantFiled: January 28, 2016Date of Patent: August 2, 2016Assignee: Trading Technologies International, Inc.Inventor: Douglas R. Duquette
-
Patent number: 9280790Abstract: A trading interface is provided for displaying market data related to a tradeable object being traded at an electronic exchange. According to one example embodiment, market data related to a tradeable object is displayed in relation to a value axis, such as a price axis. As new market data is received, the displayed market data is updated and may be repositioned so that a trader can view current market conditions in a viewable portion of the interface. The interface also includes a number of market movement indicators that assist a trader in tracking market movement. These viewable references allow a trader to navigate and immediately understand the “real” direction of the market activity despite any underlying adjustment of the viewable area of the trading interface.Type: GrantFiled: January 26, 2010Date of Patent: March 8, 2016Assignee: Trading Technologies International, Inc.Inventor: Douglas R. Duquette
-
Patent number: 9262782Abstract: A secure transaction processing system/method allowing injection and execution of credit card and ACH payment forms in a third party web page via cross domain requests is disclosed. The system/method provides a mechanism to inject and execute payment forms into a third (customer) party's website via Cross Domain Requests by providing a set of client application instructions that retrieves presentation and behavior logic and delivers it in a third party application. A browser based client application detects and manages style and behavior conflicts to render forms within in an existing third party web page. The client application then submits the forms via Cross Domain Requests to the transaction processing web server and directs the client application to a new navigation target within the third party website.Type: GrantFiled: March 14, 2012Date of Patent: February 16, 2016Assignee: Doing Good Better, LLCInventors: Christopher Lee Coleman, Carl Christopher Tierney
-
Patent number: 9235847Abstract: An energy management system identifies one or more energy-load components, and generates an energy-disutility graph for the identified components. The energy-disutility graph can include, for each of a sequence of discrete time instances, one or more vertices that each corresponds to an alternative operating state for a component. Further, an arc that couples two vertices indicates an energy-disutility model corresponding to energy and disutility costs for the component. The energy management system also communicates an energy-demand bid to the energy provider, such that the energy-demand bid includes the energy-disutility graph.Type: GrantFiled: December 16, 2011Date of Patent: January 12, 2016Assignee: PALO ALTO RESEARCH CENTER INCORPORATEDInventors: Daniel H. Greene, Haitham Hindi
-
Patent number: 9030153Abstract: A method for delivering energy to an electric vehicle includes coupling the electric vehicle to an energy delivery point, delivering energy to the electric vehicle, determining a parking cost, and determining transaction costs based on at least one of an amount of energy delivered to the electric vehicle and the parking cost.Type: GrantFiled: December 22, 2008Date of Patent: May 12, 2015Assignee: General Electric CompanyInventor: Nathan Bowman Littrell
-
Patent number: 9020853Abstract: Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the handset receives a request to load value. The handset generates a funds request message and sends the message to a funds issuer computer that debits a user account. Next, the handset authenticates the smart card and receives a response message including approval to load. The handset validates the response and loads the value onto the smart card. For payment, the handset sends an order request message to the merchant server computer, and in return receives a purchase instruction message. The handset processes the message locally, and sends a draw request message to a payment server computer. The payment server computer sends an approval to debit the smart card. The handset validates the approval and debits the smart card.Type: GrantFiled: March 8, 2013Date of Patent: April 28, 2015Assignee: Visa International Service AssociationInventors: Steven R. Hoffman, Suzanne C. Cutino
-
Patent number: 8930273Abstract: A method and system is provided for generating a dynamic card value (DCV) from a mobile user device for use in a transaction between a user cardholder and a transaction provider. The DCV may be configured for use as a card verification value (CVV), also known as a card security code (CSC), a primary account number (PAN), or a portion of a PAN. The DCV may be generated using a DCV generator which may include an algorithm and a DCV generation key. The DCV generation key may be camouflaged. Obtaining a DCV from the user device may require inputting a PIN, a device identifier, a challenge or transaction information. The DCV may be used for any transaction requiring the input of a user identification number and a verification value, including, credit card transactions, debit card transactions, online or telephonic transactions.Type: GrantFiled: November 8, 2013Date of Patent: January 6, 2015Assignee: CA, Inc.Inventor: Rammohan Varadarajan
-
Patent number: 8874469Abstract: Techniques for dynamically and seamlessly inserting secondary content via a second video pipeline into the playing of principal content over a first video pipeline are disclosed herein. One aspect of the techniques may involve the file containing the principal content be contiguous instead of being in a plurality of separate sections. The secondary content is able to be pre-processed on the second video pipeline while the principal content is played over the first video pipeline. This enables the secondary content to be available instantaneously upon the pausing of the principal content at various designated points therein. Playing of the principal content may likewise be instantaneous upon completion of the time period for the specified pausing thereof. Since the file containing the principal content is preferably contiguous, rewinding the principal content to a previous point does not require reloading.Type: GrantFiled: February 28, 2008Date of Patent: October 28, 2014Assignee: Microsoft CorporationInventors: Derek H. Smith, Simon P. Atwell
-
Patent number: 8799154Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.Type: GrantFiled: October 3, 2011Date of Patent: August 5, 2014Assignee: The Western Union CompanyInventors: Michael Michelsen, Kurt Hansen, Dean A. Siefert, Kenneth Algiene
-
Patent number: 8799095Abstract: A method is provided for enterprise management and bundling of inventory to maximize revenue on perishable products. An electronic data-mart collects factors for the probability and price sensitivity of a buyer. The data-mart also collects rules for inventory scaling, available inventory to sell, budget (goal) information, advertiser payment history, and station performance data to feed to a scenario planner. Once three or more variables exist, algorithms create scenario plans to present the most profitable bundle of offerings. The scenarios are typically pre-approved although presented to local business units for an abnormality failsafe. Once processed by local business units, the scenarios are presented to the buyer. Negotiations typically cause the process to restart.Type: GrantFiled: April 28, 2011Date of Patent: August 5, 2014Assignee: Clear Channel Management Services, Inc.Inventors: Allan Ginsburg, David R. Murray, Arthur Weinberger, Jerome Williams
-
Patent number: 8799031Abstract: Systems and methods are disclosed herein for screening insurance claims to identify subrogation potential. According to some embodiments, a loss report associated with a plurality of insurance claims, includes, for each insurance claim: (i) a claim identifier, (ii) a claim date, (iii) a claim loss amount, and (iv) a claim description. Data from the loss report may be loaded into a subrogation engine, such as by loading the data into cells of a spreadsheet application. The spreadsheet application may then automatically calculate a subrogation potential score for each insurance claim in the loss report based on the claim date, claim loss amount, claim description, and a library containing keywords and associated keyword values. The spreadsheet application may then output an indication of the claim identifier and associated subrogation potential score for each insurance claim in the loss report.Type: GrantFiled: May 14, 2012Date of Patent: August 5, 2014Assignee: Hartford Fire Insurance CompanyInventor: Jeffery K. Florence
-
Patent number: 8751363Abstract: A computer implemented method and system for executing block trades for a security includes steps or devices for receiving a block trade request, at a computer system. The block request includes data representing a quantity of shares of the security to be traded over a period of time. The computer system divides the period of time into a plurality of time bins. A computer system, for the received block trade request, computes, for each time bin, a number of shares to be traded as a trading target based on at least historical trading volumes using predictive analysis. For a first time bin, a computer system generates executable trade orders for a number of shares to be traded that is substantially equal to the trading target for the first time bin. A computer system executes at least a portion of the executable trade orders in a trade forum within each time bin in the future.Type: GrantFiled: July 18, 2011Date of Patent: June 10, 2014Assignee: ITG Software Solutions, Inc.Inventors: David C Cushing, M. Mitch Bulajic, Rohit D'Souza, Kenneth Kramer