Patents by Inventor Matthew S. Hughes

Matthew S. Hughes has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 12002090
    Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.
    Type: Grant
    Filed: December 23, 2021
    Date of Patent: June 4, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Benjamin Tarmann, Richard R. Rhodes, Lokesh Awasthy, Denise DeRoeck, Jaime Skaggs, Jacob J. Alt, Shanna L. Phillips, Shyam Tummala, Matthew S Meierotto, Richard D Groonwald, Brian J. Hughes
  • Patent number: 11995717
    Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
    Type: Grant
    Filed: April 6, 2023
    Date of Patent: May 28, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Benjamin Tarmann, Richard R. Rhodes, Lokesh Awasthy, Denise DeRoeck, Jaime Skaggs, Jacob J. Alt, Shanna L. Phillips, Shyam Tummala, Matthew S. Meierotto, Richard D. Groonwald, Brian J. Hughes
  • Patent number: 11966992
    Abstract: A system and computer-implemented method of identifying multiple mortgage ready properties. The method includes receiving, via one or more processors, information from a customer approved for a mortgage about preferences for a real estate property and accessing, at a memory coupled to one or more processors, a memory storage location to retrieve a plurality of mortgage ready real estate properties meeting one or more of the customer preferences information. The method further includes transmitting, via the one or more processors, the plurality of real estate properties meeting one or more of the customer preferences information to the customer.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: April 23, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Benjamin Tarmann, Richard R. Rhodes, Lokesh Awasthy, Denise DeRoeck, Jaime Skaggs, Jacob J. Alt, Shanna L. Phillips, Matthew S. Meierotto, Richard D. Groonwald, Brian J. Hughes, Shyam Tummala
  • Publication number: 20090025272
    Abstract: A fishing belt buckle (1) having a body (2) with a front face (3), a rear face (4), a top face (5) and a bottom face (6), at least one recess (7) extending from the front face (3) into the body (2), at least one pin (13) located on and extending from the rear face (4) and an aperture (16) for attaching the body (2) to a belt (17). The recess (7) may include at least one vertical rod (12) and/or at least one horizontal rod (11) extending across the recess (7). To use the present invention, a person first attaches the fishing belt buckle (1) to a belt (17). Then, he or she wraps the belt (17) around his or her waist and positions the fishing belt buckle (2) as desired. The pin (13) is inserted into a belt hole (18) so as to secure the fishing belt buckle (2) and belt (17) around the user's waist.
    Type: Application
    Filed: July 25, 2007
    Publication date: January 29, 2009
    Inventors: Johnny Roy Redd, JR., Matthew S. Hughes