Patents Examined by Michael D Cranford
  • Patent number: 10325316
    Abstract: An exemplary system according to the present disclosure comprises a server system (comprising one or more computing devices) that is in communication with one or more financial exchange systems and one or more data source computer devices (e.g., news sources). Also in communication with the server system are one or more mobile communication devices. The server system comprises a memory and a processor executing software that enables the server system to receive live market data and information from one or more of the financial exchange systems and the data source computer devices; aggregate and filter the data and information; according to one or more pre-set user preferences and/or one or more user-initiated commands; and transmit the aggregated/filtered data and information to one or more mobile communication devices via one or more live data feeds. The mobile communication device displays aggregated/filtered information in a single, interactive GUI.
    Type: Grant
    Filed: September 29, 2010
    Date of Patent: June 18, 2019
    Assignee: Trade Capture, OTC Corp.
    Inventors: Vincent P. Annunziata, David Ehrlich, Paul Summermatter, Eric M. Hermanson, John Rowland
  • Patent number: 10289999
    Abstract: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: May 14, 2019
    Assignee: Visa U.S.A. Inc.
    Inventors: Patrick Gauthier, Brian Maw, Patrick Faith, Barbara Patterson
  • Patent number: 10269074
    Abstract: Systems and methods provide for an automated system for analyzing damage to insured property. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a mobile device for analysis at the server in real time. Depending on network conditions, the mobile device may transfer images to the server in high definition or low definition. The server may send notifications to the mobile device to remind a user of the mobile device to capture and transfer images to the server. The server may analyze images to provide feedback to the insured user (e.g., insurance estimates).
    Type: Grant
    Filed: October 23, 2013
    Date of Patent: April 23, 2019
    Assignee: Allstate Insurance Company
    Inventors: Jay A. Patel, Jennifer A. Brandmaier, Mark E. Faga, James Gillespie, Roger Horn, Stephen Hughes, Alinawaz Ismaili, Daniel Koza, William Loo, Francis Lowry
  • Patent number: 10115157
    Abstract: A method and system are described for creating an exchange for futures products for odds markets based on binary outcomes. The futures product is based on the value of a particular fixed index or an exchange delivery settlement price in odds form, as recorded or computed at the end of a pre-assigned event or time-horizon. A particular use of this product would be on an exchange for sporting events, where for a given event, an identical interface to that which would currently be available for odds markets is made available, but which would be settled differently from the former, in such a manner as to allow investors to take positions on the movement of the odds without exposure to the final outcome of the event.
    Type: Grant
    Filed: June 12, 2013
    Date of Patent: October 30, 2018
    Assignee: Marketmaker Software Limited
    Inventors: Marc Butterly, David Edelman
  • Patent number: 8078515
    Abstract: Systems and methods are described for providing fraud deterrents during e-commerce, e-transactions, and digital rights management and access. One or more fraud deterrents may be automatically selected by a client, seller, bank, or other 3rd party and may be implemented or presented to the client as a potential fraud deterrent option that may be chosen. Fraud deterrent options may be provided which are associated with particular aspects of the transaction including a client's profile, the value of an item, or the preferences of the seller. The fraud deterrent features can be provided as part of a digital shopping cart and may be highly customized by the client including allowing the client to customize conceptual passwords which are presented during subsequent transactions.
    Type: Grant
    Filed: May 5, 2008
    Date of Patent: December 13, 2011
    Inventor: Michael Sasha John
  • Patent number: 8024244
    Abstract: The present invention relates to systems and methods for providing a personalized exchange market, and more specifically, to systems and methods for establishing personalized pledge agreements for uncertain future events or occurrences. In one embodiment, the invention includes a method including the steps of facilitating a pledge offer via a network, the pledge offer specifying an outcome of an uncertain future occurrence, the uncertain future occurrence being independently definable; facilitating an acceptance of the pledge offer over via the network, the acceptance forming a pledge agreement; determining the outcome; and facilitating performance of the pledge agreement based on the outcome.
    Type: Grant
    Filed: June 23, 2010
    Date of Patent: September 20, 2011
    Inventor: Christopher Richards
  • Patent number: 7974910
    Abstract: Methods and associated apparatus comprise, among other features, organizing previously acquired auction data into a plurality of sub-samples, each sub-sample comprising bid data associated with auctions having a common number of bidders, applying an inverse bid function to at least two sub-samples, pooling results from applying the inverse bid function to form a first pool, applying a direct bid function on the first pool to generate sample bids, matching bids from at least one sub-sample to the sample bids, and pooling results from the matching with the first pool to form a second pool.
    Type: Grant
    Filed: October 27, 2003
    Date of Patent: July 5, 2011
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventors: Kemal Guler, Hsiu-Khuern Tang, Bin Zhang
  • Patent number: 7962403
    Abstract: A computer implemented method for assessing different expected payment behavior of a debtor with respect to different creditors.
    Type: Grant
    Filed: March 16, 2007
    Date of Patent: June 14, 2011
    Assignee: SunGard AvantGard LLC
    Inventors: Michael J. Banasiak, Daniel T. Tantum, Albert Fensterstock, Theodore R. Shalack
  • Patent number: 7882001
    Abstract: A system for scoring and evaluating financial investments including a server accessible by at least one client, a database including a plurality of financial indicators for a plurality of investments, software executing on the server for generating a score for each of at least a portion of the financial indicators for a target investment relative to a reference set of the investments, software for determining a comparison set including at least one of the plurality investments, software for generating a score for the portion of the financial indicators for the comparison set relative to the reference set, software for generating a display of the scores for the target investment, wherein the display includes a chart including an axis extending radially from a point for each of the portion of the financial indicators, wherein each of the scores is plotted along one of the axes.
    Type: Grant
    Filed: June 4, 2008
    Date of Patent: February 1, 2011
    Assignee: Infinancials SA
    Inventor: Vincent Nahum
  • Patent number: 7783533
    Abstract: Selecting one or more entities from a plurality of candidate entities subject to one or more constraints is accomplished by establishing upper and lower profit-margin boundary values and determining an optimal profit-margin value within the boundary values using an iterative process. The iterative process includes one or more iterations of: setting a current profit-margin candidate based on a current upper profit-margin boundary value and a current lower profit-margin boundary value, determining whether the current profit-margin candidate value satisfies the constraint(s), adjusting the current upper or lower profit-margin boundary value based on the current profit-margin candidate value, and determining whether to use the current profit-margin candidate value as the optimal profit-margin value based the current upper profit-margin boundary value and the current lower profit-margin boundary value.
    Type: Grant
    Filed: June 2, 2008
    Date of Patent: August 24, 2010
    Inventors: Jianqing Fan, Yikang Li