Patents Examined by Samica L Norman
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Patent number: 10460393Abstract: A system for providing a dynamically morphing, self-sufficient risk protection structure, the system including: risk exposure components that are connected to a first insurance system of the system and that transfer risk exposure associated with an occurrence of defined risk events from the risk exposure components to the first insurance system based on equitable, mutually aligned first risk transfer parameters and correlated aligned first payment transfer parameters, and the first insurance system that is connected to a second insurance system of the system and that transfers risk exposure associated with the occurrence of the defined risk events from the first insurance system to the second insurance system based on equitable, mutually aligned second risk transfer parameters and correlated aligned second payment transfer parameters.Type: GrantFiled: July 7, 2016Date of Patent: October 29, 2019Assignee: SWISS REINSURANCE COMPANY LTD.Inventors: Claudio Tröhler, Andreas Schäfli, Alexander Bosch, Sherman Power, Patrick Roder, Andrea Scascighini
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Patent number: 10445825Abstract: 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 more 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: GrantFiled: December 5, 2017Date of Patent: October 15, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
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Patent number: 10430793Abstract: The present invention relates to a computer-implemented fraud method and system for managing fraud screening in response to a requested transaction. The fraud management system checks the efficiency of the fraud screening strategy and predicts the efficiency of new fraud screening strategies based on the total cost of fraud. This calculation is facilitated, because transactions are divided into groups, and the total cost of fraud may be calculated for a representative element of the group, and not for each transaction in the group. Furthermore, if the fraud screening is based on rules that apply an acceptance flow to predetermined conditions, the fraud management can choose the best acceptance flow for these predetermined conditions by minimizing the total cost of fraud. Finally, the fraud management can also flag inefficient rules thanks to an indicator related to the total cost of fraud to highlight rules whose predetermined conditions should be changed.Type: GrantFiled: July 12, 2013Date of Patent: October 1, 2019Assignee: AMADEUS S.A.S.Inventors: Laure Canis, Cedric Florimond, Simone Bisogni, Marion Bonnet
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Patent number: 10410290Abstract: A vehicle damage detector includes: a vehicle with a motor, a suspension, a wheel, a sensor configured to report a suspension displacement; processor(s) configured to: estimate existing suspension damage based on the reports, project marginal future suspension damage based on a route and the existing suspension damage, calculate a marginal decrease in vehicle value from taking the projected route.Type: GrantFiled: March 24, 2016Date of Patent: September 10, 2019Assignee: Ford Global Technologies, LLCInventors: Perry Robinson MacNeille, Oleg Yurievitch Gusikhin, Yimin Liu
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Patent number: 10402821Abstract: 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: GrantFiled: July 30, 2015Date of Patent: September 3, 2019Assignee: eBay Inc.Inventors: Sudeep Kumar, Deepak Kumar Vasthimal
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Patent number: 10402913Abstract: A hybrid response mechanism for processing queries submitted through an interview screen of a tax preparation application. User submits query through search field of interview screen generated by tax preparation application. Response engine accesses runtime data of electronic tax return stored in data store and generates hybrid response including runtime data and an action. Hybrid response data may be alpha/numerical runtime data or data identifying runtime data and identifying or including a link to an action, e.g., a form to be completed or revised, or to prepare a new form. The hybrid search result can also include a result (such as reference materials, e.g., information about tax topics or an answer provided by an on-line community member) generated by an external computing resource such as an online community for the tax preparation application also processing the query but that is not included in the electronic tax return being prepared.Type: GrantFiled: July 30, 2015Date of Patent: September 3, 2019Assignee: INTUIT INC.Inventors: Gang Wang, Luis F. Cabrera, Kevin M. McCluskey, Ronald Jason Char, David S. Chon
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Patent number: 10402900Abstract: 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 more 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: GrantFiled: September 8, 2015Date of Patent: September 3, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
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Patent number: 10395241Abstract: Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument.Type: GrantFiled: August 17, 2016Date of Patent: August 27, 2019Assignee: STRIPE, INC.Inventor: Steven Henry Noble
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Patent number: 10387881Abstract: A system, apparatus, and method for resolving a data transaction is provided in which a data transaction request and a counter data transaction request are received asynchronously in time by a data transaction processing system. A data transaction request includes data indicative of the data transaction and a transaction identifier but does not include account identifying information associated with the sender of the counter data transaction request. A counter data transaction request including data indicative of the data transaction and the transaction identifier is received. If a data transaction request has a transaction identifier identical to a previously received transaction identifier of a counter data transaction request, the data transaction is resolved, and a confirmation message is transmitted. If no identical transaction identifier has been received, the received data transaction request or the received counter data transaction request is stored in a transaction message database.Type: GrantFiled: October 2, 2015Date of Patent: August 20, 2019Assignee: Chicago Mercantile Exchange Inc.Inventor: Ari Studnitzer
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Patent number: 10380589Abstract: 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: GrantFiled: October 2, 2015Date of Patent: August 13, 2019Assignee: Chicago Mercantile Exchange Inc.Inventor: Ari Studnitzer
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Patent number: 10360561Abstract: The present systems and methods provide for secured communication between a mobile device and a server/gateway. The systems and methods can be used, for example, as a way to confirm whether or not a transaction was actually authorized by the user, thereby settling a chargeback dispute for a previously executed transaction. The method comprises receiving the dispute regarding the transaction including associated transaction data, and retrieving a digital signature associated with the transaction data, the digital signature computed by signing the transaction data. The digital signature is then verified using a public key, wherein the public key corresponds to a private key stored on a mobile device. It is then determined whether or not the transaction is fraudulent based on a verification result of the digital signature.Type: GrantFiled: February 26, 2016Date of Patent: July 23, 2019Assignee: Lime Light RM, Inc.Inventors: Dennis Poon, Simon Law, Richard Burnison
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Patent number: 10354247Abstract: Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction.Type: GrantFiled: March 13, 2013Date of Patent: July 16, 2019Assignee: First Data CorporationInventors: Vijay Kumar Royyuru, Jean M. Sindaco, Bradley T. Masterson, Peter Allen Donat
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Patent number: 10346842Abstract: 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: GrantFiled: December 21, 2017Date of Patent: July 9, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Nikhil Murgai, Leonard Roseman
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Patent number: 10339518Abstract: A method for processing a transaction, comprising: receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network; transmitting, by the aggregator to a mobile network operator (MNO), an authorization message; receiving, by the aggregator from the MNO, an approval transaction data signal; transmitting, by the aggregator to a payment network, a request message configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount; receiving, by the aggregator from the payment network, a VCN transaction data signal; and transmitting, to the payment network, a VCN message indicating the VCN initiation of a payment transaction.Type: GrantFiled: October 13, 2015Date of Patent: July 2, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kimberly Lewis Peyton, Pablo Fourez
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Patent number: 10339527Abstract: 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: GrantFiled: October 30, 2015Date of Patent: July 2, 2019Assignee: Experian Information Solutions, Inc.Inventors: Neli Coleman, Lloyd Laudorn, Raymond Martin Boileau
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Patent number: 10296906Abstract: 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: January 5, 2018Date of Patent: May 21, 2019Assignee: Capital One Financial CorporationInventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
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Patent number: 10290069Abstract: An information management system stores, in a storage area, for an agreement information that classifies the content of the agreement into at least two information elements including agreement information, and cash flow information indicating parameters to calculate a settlement amount and/or a settlement date for a cash flow. The information management system generates, by at least one hardware processor, from the at least two information elements, records of cash flow detail information indicating a plurality of occurrences of cash flows according to the parameters to calculate the settlement amount and/or the settlement date for the cash flows, and updates the records of cash flow detail information in response to detections of occurrences of settlement events according to the parameters to calculate the settlement amount and/or the settlement date for the cash flows.Type: GrantFiled: March 22, 2016Date of Patent: May 14, 2019Assignee: NOMURA RESEARCH INSTITUTE, LTD.Inventors: Narumi Aramaki, Nobuya Saitoh
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Patent number: 10282728Abstract: 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: GrantFiled: March 18, 2014Date of Patent: May 7, 2019Assignee: International Business Machines CorporationInventors: Priscilla Barreira Avegliano, Silvia Cristina Sardela Bianchi, Carlos Henrique Cardonha, Vagner Figueredo de Santana
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Patent number: 10235669Abstract: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.Type: GrantFiled: May 12, 2014Date of Patent: March 19, 2019Assignee: Amazon Technologies, Inc.Inventors: Matthew W. Amacker, Philip Yuen, Diwakar Gupta, Chih-Jen Huang
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Patent number: 10204333Abstract: Geographical location information provided by a mobile device is used as a control on the use of a payment card as described. Mobile device identification is linked to a payment card account such that when a payment card authorization request is received, information about the geographic location of the origination of the request is checked against the geographic location provided by the mobile device, and if there is a match, the transaction can further processed for authorization or directly authorized.Type: GrantFiled: February 27, 2015Date of Patent: February 12, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Pablo Fourez