Patents Examined by Liz P Nguyen
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Patent number: 11107070Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.Type: GrantFiled: August 13, 2019Date of Patent: August 31, 2021Assignee: Wells Fargo Bank, N. A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11062351Abstract: A system, apparatus, and method are presented for allocating for allocating advertisements for display are provided that include collecting a plurality of advertising spaces, each advertising space having at least one associated advertising space variable; collecting a media inventory, the media inventory comprising a plurality of advertisements, each advertisement having at least one associated advertisement variable; receiving a bid price and a target inventory percentage for each advertisement: receiving a request for an advertisement to be placed at a specified advertising space; identifying advertisements in the media inventory that are qualified to receive an impression at the specified advertising space; creating a qualified advertisement ranking by sorting the qualified advertisements by bid price; selecting advertisements from the qualified advertisement ranking until the sum of target inventory percentages of selected advertisements is equal to or greater than 100 percent; and allocating advertisingType: GrantFiled: November 15, 2007Date of Patent: July 13, 2021Assignee: Verizon Media Inc.Inventor: Hans Marius Holtan
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Patent number: 11055717Abstract: Systems, methods, and other embodiments associated with applying machine learning to below-the-line threshold tuning are described. In one embodiment, a method includes selecting a set of sampled events and labeling each event in the set of sampled events as either suspicious or not suspicious. Then, a machine learning model to calculate for a given event a probability that the given event is suspicious is built based on the set of sampled events. The machine learning model is trained, and its calibration validated. Based on probabilities calculated by the machine learning model, a scenario and segment combination to be tuned is determined. A tuned threshold value is generated, and an alerting engine is adjusted with the tuned parameter to reduce errors by the alerting engine in classifying events as not suspicious.Type: GrantFiled: September 28, 2018Date of Patent: July 6, 2021Assignee: Oracle Financial Services Software LimitedInventors: Jian Cai, Sunil J. Mathew
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Patent number: 11055722Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.Type: GrantFiled: August 5, 2019Date of Patent: July 6, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11042937Abstract: Systems and methods related to financial trading are provided. More specifically, some embodiments relate to systems and methods for electronic trading using market data channels which users can subscribe. Various embodiments of the present technology can provide a suite of devices that are designed to actively modify market data at the intake point (co-location facility) in order to optimally disseminate only relevant information to various applications. These filtered market data channels can then be accessed by trading systems through various subscription models. Various embodiments allow for any type of channel that alters the natural or pure market data feed to produce different data flows and other signals (e.g., triggers, synthetic prices, etc.).Type: GrantFiled: August 19, 2019Date of Patent: June 22, 2021Assignee: Geneva Technologies, LLCInventor: Robert S. Creamer
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Patent number: 11042942Abstract: Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.Type: GrantFiled: March 13, 2019Date of Patent: June 22, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Daryoush Hakimi-Boushehri, Jackie O. Jordan, II, Shawn M. Call, John H. Weekes, Ronny S. Bryant, Jennifer Criswell, Todd Binion, Elisabeth McDermeit, John Donovan
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Patent number: 11037167Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.Type: GrantFiled: July 31, 2020Date of Patent: June 15, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11037242Abstract: Example methods, apparatus, and computer readable storage media are described and disclosed. An example method includes receiving, by a computing device, market data related to a tradeable object. The example method includes displaying, by the computing device, a flexible price-volume indicator, the flexible price-volume indicators aligned with a specific value level in a value axis. The example method includes updating, by the computing device, a display property associated with the flexible price-volume indicator, the display property reflecting a quantity value determined based on the received market data. The example method includes displaying, by the computing device, the flexible price-volume indicator in a differentiated state based on a change in the market data.Type: GrantFiled: August 1, 2018Date of Patent: June 15, 2021Assignee: Trading Technologies International, Inc.Inventors: Stefani Sandow, Patrick Joseph Rooney, Scott F. Singer
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Patent number: 11023897Abstract: A method for optimizing transaction authorization conversion rates using measured feedback includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using data science methods for statistical inference based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.Type: GrantFiled: December 5, 2017Date of Patent: June 1, 2021Assignee: Worldpay, LLCInventors: William H. Cohn, Sayid Shabeer, Ned Canning
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Patent number: 11023889Abstract: A system for identifying and associating merchant attributes data of a merchant with transaction data may be integrated with existing payment processing systems to provide for detailed merchant attributes data (e.g., merchant name, merchant ownership data, and merchant address data). The system may receive and modify merchant attributes data retrieved from an external source (e.g., an acquirer computer or third party to a transaction) and store the merchant attributes data in a database. The merchant attributes data may be retrieved and correlated with transaction data and provided to entities (e.g., issuer computers) involved with the transaction for authorization decisioning, fraud analysis, and data analytics.Type: GrantFiled: April 10, 2019Date of Patent: June 1, 2021Assignee: Visa International Service AssociationInventors: Martin D. Izenson, Linda McGee, Mahesh Joshi, Tatyana Dubinsky, Basudeb Ghosh, Sathis Kumar Appukutty
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Patent number: 11010766Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.Type: GrantFiled: March 20, 2020Date of Patent: May 18, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 11010728Abstract: An example operation may include one or more of calculating a timestamp for each transaction within a blockchain. The calculating of the time stamp includes setting an incremental number to each key and value modified in the transaction, and incrementing the incremental number when the transaction within the blockchain is processed. The example operation may also include determining a relative order of change made to a smart-contract state.Type: GrantFiled: July 12, 2018Date of Patent: May 18, 2021Assignee: International Business Machines CorporationInventor: Jeronimo Irazabal
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Patent number: 10963962Abstract: Various techniques are disclosed for offloading the processing of data packets that contain financial market data. For example, incoming data packets can be processed through an offload processor to generate a new stream of outgoing data packets that organize financial market data in a manner different than the incoming data packets. Furthermore, in an exemplary embodiment, the offloaded processing can be resident in an intelligent switch, such as an intelligent switch upstream or downstream from an electronic trading platform.Type: GrantFiled: November 5, 2018Date of Patent: March 30, 2021Assignee: IP Reservoir, LLCInventors: Scott Parsons, David E. Taylor, Ronald S. Indeck
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Patent number: 10963872Abstract: Techniques are described for managing ghost account(s) for user(s). A ghost account may be created with a ghost account number that is a digitally provisioned payment card number linked to a backend account of a user. The ghost account number may be used to conduct transactions in situations where the user may otherwise use their backend account number. One more constraints governing the use of the ghost account may be specified by the user and/or the backend account management service. For example, the user may request a ghost account to be used only to make payments to a particular merchant or service. As another example, the user may request a ghost account to be useable for a particular period of time and/or a particular number of uses. Transactions initiated through the ghost account may be completed using the backend account that is linked to the ghost account.Type: GrantFiled: April 9, 2020Date of Patent: March 30, 2021Assignee: United Services Automobile Association (USAA)Inventors: Jeffrey Walton Easley, Lee Adams, Juan Pablo Sandoval
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Patent number: 10922753Abstract: Methods and systems are disclosed for configurable display of market data. In one embodiment, market data is displayed in a dimensional perspective that emphasizes important aspects of market data while deemphasizing less important aspects. In a graphical user interface (GUI), the displayed market data is presented along a first axis, and a portion of the displayed market data is centered relative to a second axis. In response to receiving a selection of one of multiple controls of the GUI, the displayed market data is configured according to a dimensional perspective associated with the selected control. In some embodiments, the dimensional perspective includes mapping display of the market data to an object, such as an angled surface, a circular object, a flat surface, or a combination of the above. In some embodiments, additional controls of the GUI enable zoomed and rotated perspectives of the displayed market data.Type: GrantFiled: March 30, 2020Date of Patent: February 16, 2021Assignee: Geneva Technologies, LLCInventors: Robert S. Creamer, Edward Paul Krauss, Geoffrey R. Myers, Jr.
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Patent number: 10915877Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: June 29, 2018Date of Patent: February 9, 2021Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 10915972Abstract: Computer-implemented methods, articles of manufacture and computerized systems for identifying or alerting a user of certain data in electronic tax returns. A computerized tax return preparation system including a tax return preparation software application executed by a computing device receives first and second tax data and populates respective fields of the electronic tax return. The system executes a predictive model such as logistic regression, naive bayes, K-means clustering, clustering, k-nearest neighbor, and neural networks. First tax data is an input into the predictive model, which generates an output, which is compared with second tax data. An alert is generated when the second tax data does not satisfy pre-determined criteria relative to the first output generated by the predictive model. The same or other predictive model may be used as additional tax data is received for subsequent tax data analysis.Type: GrantFiled: March 7, 2019Date of Patent: February 9, 2021Assignee: INTUIT INC.Inventors: Jonathan Goldman, Massimo Mascaro, William T. Laaser
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Patent number: 10915855Abstract: An on-demand ecosystem (ODE) computing device for integrating on-demand delivery services with purchase transactions is provided. The ODE computing device receives item data from a registered merchant, and receives availability data from at least one registered carrier. The ODE computing device further provides a searchable interface that enables a user to search for item data from the registered merchant, and receives a selected item from the user via the searchable interface. The selected item is offered for sale by the registered merchant and includes a selected pick-up location. The selected item is to be delivered to the user from the selected pick-up location. The ODE computing device also allows either the registered merchant or the user to select one of the at least one registered carriers, and processes a payment transaction for the selected item including an item price and a delivery fee.Type: GrantFiled: December 14, 2017Date of Patent: February 9, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Aarti Sharma, David Weis, Michael Thomas McNamara, Steven Bruce Oshry, Heather Marie Kowalczyk, Michael J. Cardamone
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Patent number: 10909526Abstract: A computer-implemented method allows initiating activation in augmented reality of an un-activated physical token. The method includes displaying an augmented reality version of an environment including the physical token. Displaying the augmented reality version of the environment includes capturing an image of a portion of the environment including the physical token; presenting a display of augmented reality corresponding to the portion of the environment by compositing the image of the portion of the environment with a graphical, interactive user interface control, the user interface control positioned in a defined position in augmented reality relative to the physical token. The method further includes, responsive to receipt of input corresponding to an interaction with the user interface control, initiating activation of the physical token. Related computer systems and computer-readable media are also disclosed.Type: GrantFiled: September 28, 2018Date of Patent: February 2, 2021Assignee: The Toronto-Dominion BankInventors: Levi Sutter, Miguel Navarro
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Patent number: 10909624Abstract: A method and system for computing a stable index value of fresh water based on water quality category and/or grade from current values of root commodities (i.e. freely marketed products) that either have fresh water as a constituent and/or utilize fresh water in their production, usable to develop a stable investment instrument for investing in fresh water. A processor may process associations between a root commodity and a water quality category of fresh water. A display associated with a computer may display updateable current prices of fresh water of a particular water quality category and/or grade and updateable current prices of one or more root commodities. A water measurement device may measure at least one water source of fresh water with respect to at least one of TDS, carbonate content, pH, hardness, sodium, chloride, nitrate, toxins and sodium adsorption ratio and compare against standards to categorize the fresh water.Type: GrantFiled: May 2, 2012Date of Patent: February 2, 2021Assignee: AQUA-INDEX LTD.Inventor: Yaacov Shirazi