Patents Examined by Kirsten Apple
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Patent number: 9811811Abstract: Computer system, computer-implemented method, and program product for managing transaction comprising: administering clients' deposits to and withdrawals from client transaction accounts; determining a client available deposit amount, Di, determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the client deposit amount, Di, calculating, for the banks a respective net deposit amount; generating instructions to transfer funds; and updating.Type: GrantFiled: March 15, 2013Date of Patent: November 7, 2017Assignee: Island Intellectual Property LLCInventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
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Patent number: 9811860Abstract: A system and method for defining and processing timed orders are defined. According to one embodiment, a trader may define a timed order by defining an intra-day time trigger or a time period when the timed order should be automatically modified, such as deleted or cancelled/replaced with a new order. In one embodiment, the intra-day time trigger or time period may be dynamically changed to a later time, for example, upon receiving a predetermined user input. Also, the time trigger and time period may be configured to dynamically vary based on any user configurable formula. Also, the timed order may be associated with one or more actions to be taken once the order is deleted, such as sending a new order, for example.Type: GrantFiled: January 16, 2013Date of Patent: November 7, 2017Assignee: Trading Technologies International, Inc.Inventors: Michael L. Fishbain, Sagy P. Mintz, Stephen J. Murphy
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Patent number: 9811863Abstract: The database management system can include a plurality of databases, including a first database and a second database. The first database can include a plurality of database tables and/or indexes for storing account data records and a plurality of associated first database identifiers. In some embodiments, the first database includes a first database query system. The second database can include a second database table and/or index configured to store a plurality of symbolic data. In some embodiments, the second database includes a management module for generating symbolic data to be stored in the second database table and/or for generating a plurality of reports, among other things.Type: GrantFiled: October 11, 2016Date of Patent: November 7, 2017Assignee: Paulmar Software, Inc.Inventors: Cristian Marinescu, Emma Hart
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Patent number: 9799011Abstract: A system and corresponding method are provided. The system includes a plurality of first entities (such as banks), each first entity communicatively connected to at least one distributed traffic agent (DTA), a second entity (such as a central facility) communicatively connected to a DTA, and a communication network communicatively connecting the DTAs. A payload containing a data file (such as electronic check presentment data, electronic payment data, or any other data type) is communicated from one first entity to another through their respective DTAs via the communication network. In addition, a transmittal containing control information corresponding to the payload is communicated from the one first entity to the second entity through their respective DTAs via the communication network.Type: GrantFiled: March 28, 2014Date of Patent: October 24, 2017Assignee: THE CLEARING HOUSE PAYMENTS COMPANY L.L.C.Inventors: John P. Dunn, Stephen Ledford, Steve H. Jackson, Albert G. Wood
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Patent number: 9799026Abstract: A system and method for straight through payment processing when the merchant is known but the merchant's payment card acquirer is unknown. Payment instructions from a payee to the merchant are normalized for a target acquirer system which is selected either at random, based on business logic and data, or based on successful past straight through payments. Payments are attempted for each acquirer successively until a successful payment notification is received. The link to the merchant and acquirer is then saved for subsequent straight through payments to that merchant.Type: GrantFiled: December 17, 2014Date of Patent: October 24, 2017Assignee: Supersede Solutions, LLCInventors: Robert M. Allen, Richard Taylor
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Patent number: 9792654Abstract: Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster to visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.Type: GrantFiled: March 15, 2013Date of Patent: October 17, 2017Assignee: United Services Automobile Association (USAA)Inventors: Shanna Limas, Cleburne Burgess, Jon McEachron
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Patent number: 9792652Abstract: A system and method are disclosed. A GUI is provided that includes at least one interactive location of a trading screen. The location corresponds to a tradeable object. A graphical object is populated with data relating to a current market condition, and the object is populated on the basis of a respective location in the trading screen. The GUI object is presented in the graphical user interface, at the respective location in the trading screen such that the GUI object presents a portion of the populated data centered around the respective location. A tactile input action associated with the object is received in the GUI, and the trade instruction is caused to be constructed that is associated with the GUI object and the received single-click action. Further, the trade instruction is transmitted to at least one computing device that is configured to execute the trade instruction.Type: GrantFiled: January 4, 2013Date of Patent: October 17, 2017Assignee: BROADWAY TECHNOLOGY LLCInventors: Bill Johnson, Tyler Moeller, David Meeker, Joshua Walsky
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Patent number: 9779392Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.Type: GrantFiled: August 19, 2010Date of Patent: October 3, 2017Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Rickey Dale Burks, Minya Liang
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Patent number: 9773241Abstract: Described herein are architectures, platforms and methods for dynamic amplification/boosting of near field communications (NFC) antenna transmission power in a device during NFC related functions that require increase in an NFC antenna transmission power such as a payment transaction. For example, to comply with Europay MasterCard and Visa (EMVco) standards with regard to higher NFC antenna transmission power during the EMVco transactions, the NFC antenna transmission power may be dynamically controlled to maximize efficiency of a battery/power supply of the device.Type: GrantFiled: March 12, 2013Date of Patent: September 26, 2017Assignee: Intel CorporationInventors: Songnan Yang, Farid Adrangi, Ulun Karacaoglu, Anand Konanur, Denny Iriawan, Thomas J Stepek
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Patent number: 9754322Abstract: A procedure is enabled to respond to an order en route to a marketplace so that the procedure can determine whether to generate a spawned order, and the spawned order is sent to a destination for execution essentially contemporaneously with the sending of the en route order to the marketplace. The spawned order can be sent to the same marketplace or a different marketplace than the en route order is sent to. The spawned orders provide additional liquidity.Type: GrantFiled: March 15, 2013Date of Patent: September 5, 2017Assignee: PDQ Enterprises LLCInventors: Christopher Keith, David Randall Padgitt
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Patent number: 9691103Abstract: A method of processing overhead imagery of a property includes providing a computing device having a processor and a memory, receiving images of the property from one or more overhead image sources, and positionally correlating the images using the processor. Using the positionally correlated images, one or more features associated with the property are detected, wherein the one or more features include structures on the property and risks to the structures on the property. The method further includes determining, using the processor, a premium for an insurance policy covering the property using at least in part the detected one or more features associated with the property and non-physical risks associated with the property. A quote for the determined premium for the insurance policy is then provided to the user.Type: GrantFiled: January 10, 2014Date of Patent: June 27, 2017Assignee: United Services Automobile Association (USAA)Inventor: John Chandler Hopkins, III
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Patent number: 9619800Abstract: A system and method that keeps check of financial transactions by maintaining distinct records for a plurality of devices associated with a financial account, in conjunction with performing authentication further to inputting transaction data from a point of sale, the system comprising a communication portion that inputs transaction data received from the point of sale, the transaction data including an account number and one of a CVV number and an expiration date; a device identification portion that identifies a particular device, from which the transaction originated, out of the plurality of devices based on the account number and one of the CVV number and the expiration date; and an authentication portion that performs authentication processing based on a comparison process that utilizes the transaction data, the authentication portion generating an authentication result, and the authentication portion outputting the authentication result.Type: GrantFiled: July 1, 2010Date of Patent: April 11, 2017Assignee: JPMorgan Chase Bank, N.A.Inventors: Geetha Valdyanathan, Thomas C. Barton, Lee Knackstedt, Scott W. Rau
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Patent number: 9607335Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.Type: GrantFiled: August 19, 2016Date of Patent: March 28, 2017Assignee: ISLAND INTELLECTUAL PROPERTY, LLCInventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
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Patent number: 9542686Abstract: An integrated system for managing changes in regulatory and nonregulatory requirements for business activities at an industrial or commercial facility. Application of this system to environmental, health and safety activities, and to food, drug, cosmetic, and medical treatment and device activities, are discussed as examples.Type: GrantFiled: November 4, 2015Date of Patent: January 10, 2017Assignee: Applications in Internet Time, LLCInventors: Richard Frankland, Christopher M. Mitchell, Joseph D. Ferguson, Anthony T. Sziklai, Ashish K. Verma, Judith E. Popowski, Douglas H. Sturgeon
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Patent number: 9471906Abstract: This invention describes a set of related procedures designed to co-operate with mints of digital money in order to allow for said money to be properly, securely, and conveniently traded by, various size and various type of trading crowds. The procedures refer mainly to distribution of responsibility. This invention also specifies the construction of digital coins encapsulated in a physical housing to amount to off-line tradable digital coins.Type: GrantFiled: September 24, 2013Date of Patent: October 18, 2016Inventor: Gideon Samid
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Patent number: 9449345Abstract: Aspects of a method and system for authorizing network transactions based on radio frequency (RF) characterization of a device's location are provided. In this regard, whether to approve a communication device to perform a network transaction may be determined based on results of a comparison between a radio frequency (RE) characterization of a location of the communication device and one or more approved RF characterizations. The RF characterization may be based on information from a plurality of receivers within the communication device. The one or more approved characterizations may be stored in the network device. The RF characterization may indicate a quantity of RF sources detected and identified by the communication device at the location. The RF characterization may indicate signal strength of signals received from RF sources detected and indentified by the communication device at the location.Type: GrantFiled: March 26, 2010Date of Patent: September 20, 2016Assignee: Broadcom CorporationInventors: David Lundgren, Mark Buer, Charles Abraham, David Garrett, Jeyhan Karaoguz, David Murray
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Patent number: 9430798Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.Type: GrantFiled: March 13, 2013Date of Patent: August 30, 2016Assignee: ISLAND INTELLECTUAL PROPERY LLCInventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
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Patent number: 9311670Abstract: A method for allocation among agents, comprising providing to at least two each having a respective wealth generation function adapted to generate a virtual currency; conducting an auction, having an auction outcome with respect to an auction transaction, in which each respective agent bids an amount of the generated virtual currency; and transferring an amount of the generated virtual currency in accordance with the auction outcome, in consideration of an auction transaction.Type: GrantFiled: September 15, 2009Date of Patent: April 12, 2016Inventor: Steven M. Hoffberg
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Patent number: 9286612Abstract: An integrated system for managing changes in regulatory and nonregulatory requirements for business activities at an industrial or commercial facility. Application of this system to environmental, health and safety activities, and to food, drug, cosmetic, and medical treatment and device activities, are discussed as examples.Type: GrantFiled: June 4, 2013Date of Patent: March 15, 2016Assignee: Applications in Internet Time, LLCInventors: Richard Frankland, Christopher M. Mitchell, Joseph D. Ferguson, Anthony T. Sziklai, Ashish K. Verma, Judith E. Popowski, Douglas H. Sturgeon
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Patent number: 8930247Abstract: Robust content-based decision-making support is enabled by software with a customizable knowledge base. Utilizing proprietary information contained within a knowledge base, the software enables users to search the indexed database by feature, example firm, or pattern and update the knowledge base based on the results. The information contained in the knowledge base enables results to be ranked by relevance and enables other feedback to be provided. The system and methods provide process support by helping financial professionals identify, analyze, and construct data analysis patterns based on individual domain knowledge and preferences. The system and methods automatically detect abnormal patterns and automatically analyze their correlations to market events to provide further process support to financial professionals. Using the results of any searching, analysis, and processing, the system and methods provide a neural network or other learning algorithm to provide content-based decision-making support.Type: GrantFiled: January 31, 2008Date of Patent: January 6, 2015Assignee: FinancialSharp, Inc.Inventors: Xiaoping Zhang, David Kedmey, Fang Wang