Patents Examined by Samica L Norman
  • Patent number: 10198889
    Abstract: A non-volatile memory system adapted for securely registering votes within a voting system is described. The votes are encoded as a set of logically grouped cells based on a voter's selection of an item. The encoding assures that the votes are easily distinguishable by a read circuit.
    Type: Grant
    Filed: June 19, 2015
    Date of Patent: February 5, 2019
    Assignee: JONKER LLC
    Inventor: David Liu
  • Patent number: 10185997
    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: May 15, 2015
    Date of Patent: January 22, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10185998
    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: May 15, 2015
    Date of Patent: January 22, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Blake Konrardy, Scott T. Christensen, Gregory Hayward, Scott Farris
  • Patent number: 10176522
    Abstract: 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: Grant
    Filed: March 24, 2016
    Date of Patent: January 8, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Margot Lockwood-Stein, Peter L. Shen, Amita Kheterpal
  • Patent number: 10169759
    Abstract: Embodiments of the present invention provide a method, computer program product, and computer system for verifying transactions over a network. The method includes initiating a proposed transaction with a transaction server. The transaction server provides encoded details of the proposed transaction, in the form of a QR code, to the user. The QR code is scanned using a computing device, and is decoded using an application on the computing device. A set of transaction details associated with the decoded QR code is compared with the details of the proposed transaction. The proposed transaction is then confirmed or aborted using a separate communication channel.
    Type: Grant
    Filed: August 10, 2015
    Date of Patent: January 1, 2019
    Assignee: International Business Machines Corporation
    Inventors: Jose F. Bravo, Jeffery L. Crume
  • Patent number: 10163099
    Abstract: A computer system for use with a memory device for facilitating electronic payments to a payee from an account associated with a payor is provided. Payor profile information is stored in the memory device, which payor profile information is associated with the payor. A token identifier is created which is associated with the payor profile information. The token identifier is transmitted to a payee, for retransmittal of the token identifier by the payee to the computer system during a subsequent transaction between the payor and the payee.
    Type: Grant
    Filed: June 5, 2014
    Date of Patent: December 25, 2018
    Assignee: Mastercard International Incorporated
    Inventor: Brian J. DuCharme
  • Patent number: 10147140
    Abstract: 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: Grant
    Filed: March 17, 2014
    Date of Patent: December 4, 2018
    Assignee: THE BANK OF NEW YORK MELLON
    Inventors: Douglas J. Magnolia, Jennifer C. Cole
  • Patent number: 10147137
    Abstract: Certain example embodiments described herein relate to systems and/or methods for electronic trading. An example embodiment stores pre-trade order evaluation rules in a memory. The embodiment includes receiving at least one trading order, determining a sequencing of the pre-trade order evaluation rules based on one or more dynamically updated performance metrics associated with the pre-trade order evaluation rules, applying the pre-trade order evaluation rules to the at least one received trading order in accordance with the determined sequencing, and based on results from the applying, either transmitting the at least one received trading order to a trading exchange or rejecting the at least one received trading order.
    Type: Grant
    Filed: October 16, 2014
    Date of Patent: December 4, 2018
    Assignee: SOFTWARE AG
    Inventor: Martin Bent
  • Patent number: 10147141
    Abstract: A method includes receiving a request for a user interface configuration schema, and, in response to receiving the request, providing the user interface configuration schema to the electronic device. The request may be received from or at an electronic device. The user interface configuration schema may include information for configuring one or more input fields of a user interface provided by the electronic device. Subsequent to providing the user interface configuration schema, the method includes receiving information from the electronic device. The information may correspond to data entered into the one or more input fields of the user interface. The method includes determining whether the received information is valid, and, in response to a determination that the received information is valid, providing rate information associated with an insurance product offering to the electronic device.
    Type: Grant
    Filed: June 22, 2015
    Date of Patent: December 4, 2018
    Assignee: Insurance Technologies Corporation
    Inventor: Laird Rixford
  • Patent number: 10140613
    Abstract: Methods and systems for translating account data from a converted account portfolio during a transaction initiated by a cardholder using a payment card are provided. The method may be implemented using a translation service computing device. The method includes storing first account data in a memory along with a corresponding translation identifier, the first account data associated with a first payment processing network (PPN), and receiving, at the TS computing device, an authorization request message. The authorization request message includes transaction data associated with the transaction and second account data, including the translation identifier, associated with the payment card and a second PPN.
    Type: Grant
    Filed: October 13, 2015
    Date of Patent: November 27, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Dana J. Lorberg
  • Patent number: 10102573
    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: May 8, 2013
    Date of Patent: October 16, 2018
    Assignee: Eaton Vance Management
    Inventor: Thomas E. Faust, Jr.
  • Patent number: 10043172
    Abstract: When a user taps and holds a selection on a touchscreen display, such as a “buy” button, an action occurs. Subsequently, when the user releases the button (or performs some other action), another action initiates or occurs. The other action may depend on when the user releases the button, where the user moves a finger to on the display, information about the user, and/or the display or information on the device when the button is released. After the button is released, other selections or actions may be presented on the touchscreen sequentially such that the user can release the hold to choose the selection or on one screen such that the user can move to the desired selection for review and/or editing.
    Type: Grant
    Filed: November 19, 2013
    Date of Patent: August 7, 2018
    Assignee: eBay Inc.
    Inventors: Ron Gura, Matanya Bar, Erez Dickman
  • Patent number: 10026084
    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: April 13, 2015
    Date of Patent: July 17, 2018
    Assignee: Capital One Services, LLC
    Inventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
  • Patent number: 10013714
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: July 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Patent number: 10013684
    Abstract: Methods, systems, and computer-readable media for processing cardless transactions at automated teller devices are presented. In some embodiments, a computer system may receive, from an automated teller device associated with a financial institution, login input comprising one or more online banking credentials associated with a customer of the financial institution. Subsequently, the computer system may validate the login input. If the login input is valid, the computer system may generate a one-time passcode. Then, the computer system may send, to a customer mobile device associated with the customer, the one-time passcode. Thereafter, the computer system may receive, from the automated teller device, passcode input. Subsequently, the computer system may validate the passcode input. If the passcode input is valid, the computer system may generate a customer authentication message. Then, the computer system may send, to the automated teller device, the customer authentication message.
    Type: Grant
    Filed: June 2, 2015
    Date of Patent: July 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Andrew T. Keys, Raghav Shenoy
  • Patent number: 9990676
    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: August 5, 2014
    Date of Patent: June 5, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Patrick J. Rooney
  • Patent number: 9984413
    Abstract: 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: Grant
    Filed: October 26, 2017
    Date of Patent: May 29, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Robert A. West, Michael J. Burns
  • Patent number: 9934493
    Abstract: According to some embodiments, a system comprises one or more processors associated with a financial institution. The financial institution provides a financial account for a user. The system also comprises a dedicated interface between the financial institution and an electronic payment service external to the financial institution. The electronic payment service provides a virtual account for the user. The one or more processors are configured to determine when the user requests a financial transaction to transfer funds from a source to a destination (one of which corresponds to the virtual account), validate the financial transaction based on data received from the electronic payment service over the dedicated interface, and transfer the funds to the destination. The funds are transferred prior to hard-posting such that the funds become available at the destination in real-time while the financial transaction is pending.
    Type: Grant
    Filed: February 10, 2014
    Date of Patent: April 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Joseph B. Castinado, Akshaya Negi
  • Patent number: 9928507
    Abstract: A method for performing payments in remote transactions between a buyer and a vendor is provided. The method includes receiving buyer information from a vendor's network outlet when the buyer indicates a desire to purchase a selection at a later time through an Interactive Voice Response (IVR) center; providing a token to the buyer; receiving information about the token from the buyer through the IVR center; verifying the information about the token; transferring funds from a buyer account to a vendor account. Also provided is a system for processing payments in remote transactions including an IVR center to: receive a request for token from a buyer to purchase products from a vendor, and to receive information about the product; provide the token to the buyer; access a database, the database including information from vendor's and buyer's accounts; transfer funds from buyer's account to vendor's account upon buyer confirmation.
    Type: Grant
    Filed: March 9, 2016
    Date of Patent: March 27, 2018
    Assignee: PAYPAL, INC.
    Inventor: Joel Garner Dayalan
  • Patent number: 9904921
    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: October 29, 2013
    Date of Patent: February 27, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel