Patents Examined by Samica L Norman
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Patent number: 10664916Abstract: Systems and methods to implement a platform for investing allow customers to purchase shares of investment funds using a balance in a closed-loop stored-value account, a financial account, and/or both. Part of a balance is (periodically or automatically) withdrawn, and used to fund the purchase. Purchases may be triggered by predetermined and specified content and/or activity occurring in a social media stream associated with a customer. Withdrawals from multiple customers may be aggregated into a single periodical transaction.Type: GrantFiled: October 24, 2018Date of Patent: May 26, 2020Assignee: THE BANK OF NEW YORK MELLONInventors: Douglas J. Magnolia, Jennifer C. Cole
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Patent number: 10650463Abstract: A network generation system is configured to generate a private computerized network in response to detection by the system of the occurrence of an event. A mobile device application installed on an entity mobile device is configured to receive and transmit event data and GPS-based location data. A network server is configured to receive the event data and the GPS-based location data. A computer server based processing platform is configured to proactively extract resource provider data corresponding to resource providers based upon event data, entity data, event location data, and at least one resource data API. The computerized private network is generated and separate interfaces are generated for the entity, an event processor, and at least one resource provider.Type: GrantFiled: November 16, 2016Date of Patent: May 12, 2020Assignee: Hartford Fire Insurance CompanyInventors: Seth Brewer, Ryan Owen Denning, Mushter Munib Moin, Deborah L. Perschy
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Patent number: 10643206Abstract: 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: GrantFiled: April 9, 2018Date of Patent: May 5, 2020Assignee: Capital One Services, LLCInventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
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Patent number: 10628557Abstract: A method and system for network-based distribution of content are disclosed. The distribution of content is not only secure but also controlled. The security restricts access to content within media files during downloads as well as while stored at a server or client. In one embodiment, each media file is encrypted with a different, randomly generated key. The control over the distribution of the media file can serve to limit the subsequent distribution of media files from clients to other clients. In another embodiment, the control can permit media files to be shared on a limited number of different clients affiliated with the same user. The clients can vary with application but generally are computing devices that have memory storage. Often, the clients are personal computers or other computing devices that are capable of storing and presenting content to their users.Type: GrantFiled: February 21, 2017Date of Patent: April 21, 2020Assignee: Apple Inc.Inventors: Thomas Dowdy, Jeffrey L. Robbin, Guy L. Tribble, David Heller
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Patent number: 10607219Abstract: A computing apparatus includes: a portal configured to present a privacy control panel to receive input from a user to create a privacy policy; a data warehouse configured to store the privacy policy in connection with account information of the user; and a transaction handler configured to provide a privacy indicator, in accordance with the privacy policy stored in the data warehouse, in an authorization response for a transaction made using the account information of the user.Type: GrantFiled: June 10, 2013Date of Patent: March 31, 2020Assignee: Visa International Service AssociationInventor: Peter Ciurea
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Patent number: 10600053Abstract: A method for verification of user identity includes: storing account profiles, each profile including data related to a user account of a non-financial institution (NFI) entity including an account identifier and an address; receiving a transaction request, the request including a specific account identifier and a transaction amount; identifying an account profile including the specific account identifier; generating a controlled payment number associated with a transaction account of the NFI entity; transmitting a notification to a third party entity including the specific account identifier; transmitting the controlled payment number to a user associated with the user account related to the specific account profile; receiving a data message from the third party entity including the specific account identifier and identification data associated with the user; and updating the specific account profile to include the controlled payment number, the identification data, and a spending limit based on the transactType: GrantFiled: August 17, 2016Date of Patent: March 24, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Deepankar Bhagat, Derek Ryan Reed, Jill Boyd Bugh, Mark N. Savoye
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Patent number: 10600121Abstract: In a method of placing a security trade order using a trading algorithm in a computerized trading system, candidate order characteristics of a candidate order are received through a first GUI, and current market characteristics are obtained. Performance and fill rate scores are forecasted for executions of the candidate order by each of a plurality of trading algorithms using a ranking model based on historical data for a plurality of orders previously-executed via one or more of the plurality of trading algorithms, the candidate order characteristics and the current market characteristics. Each of the plurality of trading algorithms are ranked for the candidate order. A highest ranked trading algorithm is selected and is displayed on a second GUI. A selection of one of the displayed highest ranked trading algorithm is received from a user, and the candidate order is placed using the selected trading algorithm.Type: GrantFiled: June 30, 2016Date of Patent: March 24, 2020Assignee: Liquidnet Holdings, Inc.Inventors: Roberto Malamut, Neerav Shah
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Patent number: 10558968Abstract: 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: GrantFiled: July 3, 2018Date of Patent: February 11, 2020Assignee: eBay Inc.Inventors: Ron Gura, Matanya Bar, Erez Dickman
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Patent number: 10552902Abstract: Techniques are described for monitoring a plurality of financial transactions of a customer performed across a plurality of financial accounts. The techniques may include determining a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions. The techniques may further include identifying a suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions. The techniques may further include presenting the suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts.Type: GrantFiled: October 22, 2018Date of Patent: February 4, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Margot Lockwood-Stein, Peter L. Shen, Amita Kheterpal
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Patent number: 10552698Abstract: A system performs processing of biometric information to create multiple templates. This allows biometric systems to be flexible and interact with a plurality of vendors' technologies. Specifically, a biometric sample is captured from a sensor and transmitted to a processing component. The biometric sample is then processed by a first algorithm to yield a biometric template and the template is stored and associated with a record identifier. The biometric sample is also processed by a second algorithm to yield a second template. The second template is stored and associated with the record identifier.Type: GrantFiled: September 30, 2014Date of Patent: February 4, 2020Assignee: FUSIONARC, INC.Inventors: Michael Thieme, Samir Nanavati, Rajkumar Nanavati, Mcken Mak
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Patent number: 10540718Abstract: 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 tradable 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: GrantFiled: April 25, 2018Date of Patent: January 21, 2020Assignee: Trading Technologies International, Inc.Inventor: Patrick J. Rooney
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Patent number: 10540642Abstract: 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: GrantFiled: October 4, 2016Date of Patent: January 21, 2020Assignee: The Toronto-Dominion BankInventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee
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Patent number: 10528704Abstract: To ensure that digital rights cannot be forged or tampered with, they can be digitally signed. However, this means that updating the digital rights is no longer possible, as this would invalidate the digital signature. The present invention proposes that the issuer of digital rights issues rights which are signed in elementary pieces, rather than as a whole. Rather than issuing a right to play back a piece of content three times, the provider issues for example three rights to play back the content once in a particular AD, of which two may be transferred to other domains. The digital rights are individually protected by signatures and it is no longer possible to forge digital rights. As an enhancement the rights that can be transferred are indicated as such and stored securely to prevent tampering. When the right is transferred, it must be signed by the person who originally received it.Type: GrantFiled: November 21, 2003Date of Patent: January 7, 2020Assignee: Koninklijke Philips N.V.Inventors: Franciscus Lucas Antonius Johannes Kamperman, Geert Jan Schrijen, Sebastiaan Antonius Fransiscus Arnoldus Van Den Heuvel
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Patent number: 10529012Abstract: Systems and methods for fair-sharing in bandwidth sharing ad-hoc networks. A method includes maintaining a borrower account and lender account of a borrower and a lender of an ad hoc network. The method also includes adjusting at least one of the borrower account and the lender account based upon data transfer by the lender for the borrower.Type: GrantFiled: June 6, 2012Date of Patent: January 7, 2020Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Christopher J. Dawson, Peter G. Finn, Rick A. Hamilton, II, Jenny S. Li
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Patent number: 10529023Abstract: An example graphical interface and method for displaying risk related data are described. One example graphical interface includes a data structure comprising a plurality of data nodes and at least one risk data point associated with each node, and further comprises a display grid. The display grid includes one or more cells that are used for displaying selected data nodes and risk data points. Each cell may be associated with a single data node, and may include one or more identifiers corresponding to risk data points of the data node. In one example embodiment, the identifiers are aligned along a single axis, and risk related data corresponding to each identifier is aligned with respect to each corresponding identifier.Type: GrantFiled: April 19, 2018Date of Patent: January 7, 2020Assignee: Trading Technologies International, Inc.Inventors: Robert A. West, Michael J. Burns
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Patent number: 10515409Abstract: Various of the disclosed embodiments concern systems and methods for expediting the settlement of securities traded on an exchange. A settlement system can generate electronic records of financial transactions by bundling a trade report, clearing instructions, etc., into a cryptographic ledger. Current cryptographic ledgers do not handle transactions at the rate which securities are traded. In order to improve rate processing for cryptographic ledgers sharded transaction trees are used.Type: GrantFiled: March 23, 2016Date of Patent: December 24, 2019Assignee: DOMUS TOWER, INC.Inventors: John Everett Creighton, IV, Joseph Burke Forster
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Patent number: 10504078Abstract: A method for processing transactional data, via a payment terminal. The method includes capturing at least one datum representing a bill to be paid, called a consolidated datum, from a pre-existing support; formatting the consolidated datum by a collection application of the payment terminal, delivering a digital invoice; displaying the digital invoice by the collection application; transmitting to a payment application of the payment terminal at least one datum, called a transactional datum, representing an amount to be paid according to at least one element of the digital bill.Type: GrantFiled: September 26, 2014Date of Patent: December 10, 2019Assignee: INGENICO GROUPInventor: Vincent Ducrohet
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Patent number: 10496799Abstract: Methods and systems are disclosed for managing registrations of computers. The methods and systems provide a registration tool that may be used to automatically register the computers. For each computer to be registered, information uniquely identifying the computer is collected and sent to a remote registration server. The information is then used by the remote registration server to perform the registration on behalf of the computer. The registration may be with a software vendor, a third-party database, or with the remote registration server itself in some cases. The registration server thereafter returns a registration code or other information to the computer to complete the registration. Such an arrangement allows the registration process to be controlled from a central location.Type: GrantFiled: July 24, 2007Date of Patent: December 3, 2019Assignee: United Services Automobile Association (USAA)Inventor: Michael Scott McQuarrie
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Patent number: 10482434Abstract: Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.Type: GrantFiled: March 23, 2016Date of Patent: November 19, 2019Assignee: NCR CorporationInventors: Mohammad Jamal Mohiuddin, Sanjay Menghani, Bhanu Prakash Singh
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Patent number: 10475032Abstract: 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: GrantFiled: January 26, 2018Date of Patent: November 12, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel