Patents Examined by Samica L Norman
  • Patent number: 11170367
    Abstract: In various example embodiments, a machine is configured to redirect completion of a transaction to a trusted device. For example, the machine determines that a page involving the transaction is being displayed in a user interface of a first device. The page may be associated with the product or service. The machine identifies an interruption of the displaying of the page in the user interface of the first device. The machine identifies a second device that is trusted by the user. The machine transmits a communication including a notification to the second device. The notification indicates the transaction.
    Type: Grant
    Filed: August 20, 2019
    Date of Patent: November 9, 2021
    Assignee: eBay Inc.
    Inventors: Sudeep Kumar, Deepak Kumar Vasthimal
  • Patent number: 11151655
    Abstract: A structural analysis computing device may generate a proposed insurance claim for an object pictured in a three-dimensional (3D) image. The structural analysis computing device may include a memory, a user interface, an object sensor configured to capture the 3D image, and a processor in communication with the memory and the object sensor. The processor may access the 3D image including the object, and analyze the 3D images to identify features of the object. The processor may also determine a nature and an extent of damage to a damaged feature of the object, and a cost of repair based upon the nature and extent of the damage—such as by inputting the 3D image into a trained machine learning or pattern recognition program. The processor may generate a proposed claim form including the cost of repair, and display the claim form to a user for their review and/or approval.
    Type: Grant
    Filed: August 24, 2016
    Date of Patent: October 19, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Timothy J. Spader, George T. Dulee, Jr., Donald Yuhas, Aaron Brucker, Chris Stroh, Jeffrey Mousty
  • Patent number: 11127086
    Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine the occurrence of a vehicle accident, such as a collision. The operating data may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to adjust risk levels or profiles associated with the vehicle operator or with the autonomous operation features.
    Type: Grant
    Filed: June 8, 2020
    Date of Patent: September 21, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 11113761
    Abstract: In some embodiments, a request may be received from a customer via an interface, wherein the request indicates (i) a social media stream associated with the customer to be monitored for instances of investment triggering content (ITC). A customer account of the customer may be configured based on the request. The social media stream may be monitored for instances of ITC based on the customer account configuration. Responsive to the monitoring detecting an instance of ITC, a first amount may be withdrawn from the customer account, and a purchase of a quantity of shares of an investment fund may be executed on behalf of the customer using the withdrawn first amount.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: September 7, 2021
    Assignee: THE BANK OF NEW YORK MELLON
    Inventors: Douglas J. Magnolia, Jennifer C. Cole
  • Patent number: 11107077
    Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.
    Type: Grant
    Filed: March 30, 2020
    Date of Patent: August 31, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
  • Patent number: 11068894
    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
    Type: Grant
    Filed: November 12, 2019
    Date of Patent: July 20, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
  • Patent number: 11069003
    Abstract: A system of these teachings for providing a graphical activatable link (also referred to as a badge) related to a activity includes a handheld mobile communication device, an exchange/payment processing service configured to receive information from the handheld mobile communication device, a activity site configured to receive information from the handheld mobile communication device and the exchange/payment processing site and a social media site having a social media profile section corresponding to a person making a donation to the activity.
    Type: Grant
    Filed: July 15, 2016
    Date of Patent: July 20, 2021
    Inventor: Benjamin R. Hill
  • Patent number: 11055779
    Abstract: A system and method is provided for administering an actively managed fund having shares tradable on an exchange, to support efficient secondary market trading. A Fund Module defines an actively managed ETF. A Portfolio Module tracks a portfolio held by the ETF while maintaining confidentiality of at least a portion thereof. A Basket Module publishes Creation and Redemption Baskets including a subset of the fund portfolio. A Current Valuation Module calculates a current Intraday NAV for the portfolio and Baskets throughout a trading day. A Swap Module provides for periodic entry and exit from NAV Swaps between an ETF Party and Swap Counterparties, who exchange payments based on performance of the fund portfolio and the Fund Basket. A Creation/Redemption Module permits creations and redemptions of ETF shares in exchange for the Fund Basket. Arbitrage is permitted between ETF share price and Intraday NAV without full portfolio disclosure.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: July 6, 2021
    Assignee: Eaton Vance Management
    Inventor: Thomas E. Faust, Jr.
  • Patent number: 11043066
    Abstract: The present disclosure relates generally to a system that utilizes a primary or central gaming establishment account to accumulate funds from one or more secondary or peripheral gaming establishment accounts and escrow such funds prior to use.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: June 22, 2021
    Assignee: IGT
    Inventors: Jeffery Shepherd, Kevin Higgins
  • Patent number: 11010840
    Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features and paying claims associated with such accidents are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine the occurrence of a vehicle accident, such as a collision. The operating data may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to further determine and make claims payments related to the accident. In some embodiments, claims may be rejected based upon the operating data and determined allocation of fault.
    Type: Grant
    Filed: April 14, 2020
    Date of Patent: May 18, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 11004077
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: May 24, 2019
    Date of Patent: May 11, 2021
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Patent number: 10997596
    Abstract: Disclosed are exemplary embodiments of systems and methods for analyzing declined payment account transactions. In an exemplary embodiment, a method generally includes accessing, by a computing device, a declined transaction associated with a payment account, and applying, by the computing device, at least one rule to transaction data associated with the payment account and/or transaction data associated with a merchant involved in the declined transaction. The method also includes, based on the at least one applied rule, appending, by the computing device, a fraud accuracy tag to the declined transaction in a data structure, where the fraud accuracy tag is indicative of whether the decline of the transaction is a true positive decline or a false positive decline, whereby the fraud accuracy tag is suitable to provide insight into accuracy of a fraud strategy implemented in connection with the declined transaction.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: May 4, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kerry Michael Thomas, Monica Marie Mifflin
  • Patent number: 10990976
    Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: April 27, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Jeffrey Walton Easley, Melanie Lynn Thompson, Brian Hurtak, Patrick Lugo
  • Patent number: 10990979
    Abstract: Embodiments of an electronic fraud analysis platform system are disclosed which may be used to analyze tax returns for potential fraud. Analysis of tax return data using the tax return analysis platform computing systems and methods discussed herein may provide insight into whether a tax return may be fraudulent based on, for example, an initial screening component configured to filter tax returns which appear fraudulent due to missing or inaccurate information provided with the return; a device activity analysis component configured to identify whether a device used to submit a tax return or to provide further authentication information needed to complete processing of the return may have been used in other fraudulent activities; and a knowledge-based authentication component configured to identify potential fraudsters using dynamically generated questions for which fraudsters typically do not know the answers.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: April 27, 2021
    Assignee: Experian Information Solutions, Inc.
    Inventors: Neli Coleman, Lloyd Laudorn, Raymond Martin Boileau
  • Patent number: 10984403
    Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: April 20, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Jeffrey William Perlman
  • Patent number: 10977726
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: April 13, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
  • Patent number: 10977649
    Abstract: A system, apparatus, and method for resolving a data transaction is provided in which data transactions are resolved by a hardware matching processor that identifies data transaction requests received from client devices over a data communication network, matches incoming transaction requests with previously received transaction requests, and, based thereon, transmits electronic data transaction results messages to the client device. An incoming data transaction request is received and a match is attempted with one or more previously received but not yet resolved data transaction requests. It is identified whether either the incoming data transaction request or the matching data transaction request are dependent on the resolution of another data transaction request and whether that dependent data transaction request has been resolved. The data transaction requests are resolved and/or stored based on the match and resolution of dependencies.
    Type: Grant
    Filed: July 2, 2019
    Date of Patent: April 13, 2021
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Ari Studnitzer
  • Patent number: 10977735
    Abstract: A computer-implemented method for providing user interaction data associated with a property is presented. A plurality of dimensions associated with a portion of the property may be determined. Image data associated with the portion of the property may be determined using an image sensor. The plurality of dimensions associated with the portion of the property may be associated with the image data associated with the portion of the property to generate the user interaction data associated with the property. The user interaction data may be provided via a user interface. The user interaction data may allow a user of the user interface to view at least one image of the portion of the property. The at least one image may be based on the plurality of dimensions associated with the portion of the property and the image data associated with the portion of the property.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: April 13, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Alexander Cardona, Dana C. Hunt, Erin Olander, John A. Schirano
  • Patent number: 10970708
    Abstract: A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and engage in communications with the electronic transaction card. Based on information received from the electronic transaction card, the payment terminal may predict the locations of data objects that must be accessed in order to process transactions. The data objects may be accessed based on the predictions and the transaction may be processed.
    Type: Grant
    Filed: January 27, 2017
    Date of Patent: April 6, 2021
    Assignee: Square, Inc.
    Inventor: David Terra
  • Patent number: 10970697
    Abstract: Systems and methods for processing transactions using a digital payment platform.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: April 6, 2021
    Assignee: Poynt Co.
    Inventors: Osama Bedier, Ray Tanaka, Victor Chau, Charles Feng, Cheng Han Lee, Lubab Al-Khawaja