Patents Examined by Samica L Norman
  • Patent number: 10970689
    Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: April 6, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee
  • Patent number: 10963956
    Abstract: Methods and systems described in this disclosure are directed to providing a plurality of grammatical components of a computer language for representing financial events of a user, receiving first financial information pertaining to the user from a first computing device, the first financial information defined using a first grammatical component in the plurality of grammatical components of the computer language; receiving second financial information pertaining to the user from a second computing device, the second financial information defined using a second grammatical component in the plurality of grammatical components of the computer language; and extracting the first financial information from the first grammatical component and the second financial information from the second grammatical component by parsing the first grammatical component and the second grammatical component.
    Type: Grant
    Filed: March 1, 2017
    Date of Patent: March 30, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Karl Harris Erickson, Ann C. Tarrillion, Jennifer Gravely, Christopher Martin Martinez, Jared B. Cook
  • Patent number: 10949836
    Abstract: Disclosed in some examples are improved methods, systems, and machine-readable mediums that allow for organization and management of electronic wallets. Users may have parent wallet elements which may include one or more child wallet elements. When a user selects a parent wallet element, the parent wallet element includes one or more selection and usage rules which automatically selects an appropriate child wallet element to use in an appropriate situation. For example, when the parent wallet element is presented as payment at a merchant, the rules may be utilized to select one or more child payment elements. The rules may select the child element based upon transaction type (e.g., at a merchant the rules may select a payment element, at an identification station, choose an identification element), or other context of the user—e.g., selecting a particular payment element based upon the type of merchant, the amount of the transaction, the goods purchased, the date, the time, or the like.
    Type: Grant
    Filed: August 4, 2017
    Date of Patent: March 16, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10937088
    Abstract: Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein.
    Type: Grant
    Filed: April 19, 2018
    Date of Patent: March 2, 2021
    Assignee: Green Dot Corporation
    Inventors: Steven William Streit, Samuel Harris Altman, Alok Deshpande, David Kenneth Schreiber
  • Patent number: 10929831
    Abstract: Sequential selections are presented by receiving an input on an active portion of a display of the computing device. While the input is received, a plurality of selections are sequentially displayed on the display. An indication is received that the input on the active portion of the display of the computing device has changed. In response to receiving the indication that the input has changed, the computing device stops presenting the plurality of selections and determines which selection of the plurality of selections was presented on the display when the input changed. The determined selection is then displayed.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: February 23, 2021
    Assignee: eBay Inc.
    Inventors: Ron Gura, Matanya Bar, Erez Dickman
  • Patent number: 10915957
    Abstract: A position associated with a synthetic spread order may be managed where a status of a synthetic spread order is identified as legged. The synthetic spread order may have at least one child hedge order pending at an electronic exchange and in response, a bracket order is submitted to an electronic exchange for the tradeable object associated with a filled leg of the synthetic spread. In response to execution of the bracket order, the child hedge order may be cancelled.
    Type: Grant
    Filed: December 5, 2019
    Date of Patent: February 9, 2021
    Assignee: Trading Technologies International, Inc.
    Inventor: Patrick J. Rooney
  • Patent number: 10885583
    Abstract: Methods, devices, and systems for facilitation of efficient processing of a plurality of electronic message packets communicated to an application via a network from a plurality of message sources. The facilitation involves receiving each of the plurality of electronic message packets from the network, and storing, upon receipt thereof, each of the received electronic message packets in a single buffer irrespective of which message source of the plurality of message sources each of the received electronic message packets originated from, the single buffer being accessible by the application.
    Type: Grant
    Filed: December 19, 2013
    Date of Patent: January 5, 2021
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Zachary Bonig, Haifeng Zheng, Don Mendelson, Mike Donaghy, Akrapong Lin
  • Patent number: 10861093
    Abstract: A behavior information collection system includes a goal DB for holding information regarding a goal for each user, and a scenario DB for holding a scenario for inquiring of each user content of a behavior when the each user has performed the behavior and information of a scenario trigger. When there is information of a time detected in a mobile terminal and/or a location position, which meets a condition of each scenario trigger regarding the user, the behavior information collection system acquires the corresponding scenario from the scenario DB, has a conversation based on the scenario, records the content of the behavior grasped on the basis of content of the response in association with the user, and performs processing necessary for achieving a goal on the basis of the content of the response.
    Type: Grant
    Filed: March 27, 2019
    Date of Patent: December 8, 2020
    Assignee: NOMURA RESEARCH INSTITUTE LTD.
    Inventors: Yusuke Shiokawa, Eiko Miyamae, Naoharu Sasaki, Ryota Koshirakawa, Yuto Tanaka, Rina Oishi
  • Patent number: 10832229
    Abstract: A data signal translation device for translating a data signal between a frontend interface and a backend server that is in communication with a processing network is described. Additionally, a method and a computer-readable storage medium for translating a data signal between a frontend interface and a backend server that is in communication with a processing network are described.
    Type: Grant
    Filed: December 3, 2015
    Date of Patent: November 10, 2020
    Assignee: MasterCard International Incorporated
    Inventors: Mohammed Kamal, Theresa LaRosa, David Lynn, Tom A. Aprik
  • Patent number: 10832329
    Abstract: In a computer-implemented method for facilitating handling, by a user of a computing device, of a call from an insurance customer regarding a loss event, an interactive search display may be provided. A set of one or more search terms entered by the user may be used to perform a search of one or more databases storing policy information. A set of results and an interactive control may be presented to the user. The results may include an entry for a first person. A particular relationship between the first person and the loss event, specified by the user via the interactive control, and information associated with the first person, may be used to cause loss report information to be automatically added to one or more loss reporting fields. The loss report information may be caused to be stored in a claims database as a part of a loss report record.
    Type: Grant
    Filed: October 13, 2015
    Date of Patent: November 10, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John H. Jenkins, Andrew J. Feit, Christina M. Boring, Chadd Eugene Grove, Brent D. Hellewell, Beth Craig, Kevin Stuepfert, Robert S. Loy, Scott M. Wirtjes, Scott E. Lackey, Manuela Holt, David Kuriyan Schuster, Jeremy M. Miller
  • Patent number: 10832328
    Abstract: In a computer-implemented method for facilitating handling, by a user of a computing device having one or more display screens and an input device, of a call from an insurance customer regarding a loss event, one or more notes fields in which text may be entered by the user are presented to the user, text that the user entered in at least one of the one or more notes fields is received, the received text is analyzed to identify one or more keywords having potential relevance to the loss event, the identified keyword(s) is/are used to cause loss report information to be automatically added to one or more loss reporting fields provided by a loss reporting tool, and the loss report information is caused to be stored in a claims database as a part of a loss report record associated with the loss event.
    Type: Grant
    Filed: October 13, 2015
    Date of Patent: November 10, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John H. Jenkins, Andrew J. Feit, Christina M. Boring, Chadd Eugene Grove, Brent D. Hellewell, Beth Craig, Kevin Stuepfert, Robert S. Loy, Scott M. Wirtjes, Scott E. Lackey, Manuela Holt, David Kuriyan Schuster, Jeremy M. Miller
  • Patent number: 10810574
    Abstract: Embodiments disclosed in this specification include uploading instructions to a voice-recognition server, such that when the voice-recognition server identifies keywords in an audio stream, the voice recognition server can perform a payment transaction using a payment-service-system server. The systems and methods disclosed can receive payment requests at the payment-service-system server, which can then process the payment transaction using historical payment information and contact information associated with the payment-service-system user. The payment-service-system server can communicate notifications and confirmations to the voice-recognition server or to separate user computing devices. In this way, the payment-service-system server can process payment transactions between users using voice-controlled speakers.
    Type: Grant
    Filed: June 29, 2017
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Jesse Wilson, Terrill Dent
  • Patent number: 10762508
    Abstract: A method for processing an attempted payment made using a mobile device includes receiving information about the attempted payment, receiving data indicative of a behavior of a user of the mobile device at the time of the attempted payment, computing a likelihood that the attempted payment is fraudulent, based on a comparison of the behavior of the user to an historical behavior pattern of the user, and sending an instruction indicating how to proceed with the attempted payment, based on the likelihood.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: September 1, 2020
    Assignee: International Business Machines Corporation
    Inventors: Priscilla Barreira Avegliano, Silvia Cristina Sardela Bianchi, Carlos Henrique Cardonha, Vagner Figueredo de Santana
  • Patent number: 10748142
    Abstract: According to some embodiments, a multi-currency transaction routing apparatus may include a first input to receive, from an acquirer bank, an electronic message containing information about a business as usual transaction including a generic primary account number. The multi-currency transaction routing apparatus may also include a storage device storing: (i) an association between the generic primary account number and a first primary account number of a first funding bank account in a first currency, and (ii) an association between the generic primary account number and a second primary account number of a second funding bank account in a second currency. A routing module computer may detect the generic primary account number within the electronic message and automatically transmit data about the transaction to a remote device associated with one of the first and second funding bank accounts in accordance with the associations stored in the storage device.
    Type: Grant
    Filed: October 2, 2015
    Date of Patent: August 18, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Wesley Frederico Espinal Rios
  • Patent number: 10726498
    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: November 14, 2018
    Date of Patent: July 28, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10726424
    Abstract: Systems and methods involving computer-based processing for proactively reducing false-positive fraud detection incidents are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: detecting when a subject online transaction matches criteria indicating it is unusual; operating a browser extension application to obtain UI image data and purchase details of an item purchased by a user during the unusual online transaction; evaluating historical transactions of the user to identify a potentially fraudulent online transaction; and executing a false-positive detection routine to determine if the potentially fraudulent online transaction is valid.
    Type: Grant
    Filed: July 29, 2019
    Date of Patent: July 28, 2020
    Assignee: Capital One Services, LLC
    Inventors: Bryant Yee, George Bergeron, Mykhaylo Bulgakov
  • Patent number: 10726499
    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 fault for a vehicle accident, such as a collision. The operating data may include information regarding use of the features at the time of the accident and 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 determine and/or adjust coverage levels for an insurance policy associated with the vehicle. The allocation of fault may further be used to adjust risk levels or profiles associated with the vehicle operator or with the autonomous operation features.
    Type: Grant
    Filed: November 14, 2018
    Date of Patent: July 28, 2020
    Assignee: State Farm Mutual Automoible Insurance Company
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10706467
    Abstract: According to some embodiments, apparatus and methods are provided comprising a connector attachment including a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: July 7, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Michael Musser, Sandeep Malhotra, David Colby Brown
  • Patent number: 10686854
    Abstract: Content, such as video content, may be shared by a user device that is participating in an ad hoc network via a short range local wireless connections. In one implementation, a method may include joining, by a user device and via direct wireless communication with other user devices, an ad hoc network including the other user devices; receiving, by the user device, a content stream from a cellular wireless network; transmitting, by the user device, an indication of the received content stream to the other user devices in the ad hoc network; receiving, by the user device and from one or more of the other user devices in the ad hoc network, a request for the content stream; forwarding, by the user device and based on the received request, the content stream to the one or more of the other user devices in the ad hoc network; and presenting, by the user device, the content stream to a user of the user device.
    Type: Grant
    Filed: March 5, 2014
    Date of Patent: June 16, 2020
    Assignee: Verizon Patent and Licensing Inc.
    Inventor: Joseph E. Scott
  • Patent number: 10685403
    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: August 29, 2017
    Date of Patent: June 16, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris