Patents Examined by Ambreen A Alladin
  • Patent number: 10319159
    Abstract: A computer implemented method for determining a driving pattern from raw telematics data is presented. A data server may receive, via a computer network, a plurality of telematics data corresponding to a trip of a vehicle, wherein the plurality of telematics data originates from a client computing device. The data server may also identify a first primary movement window of the vehicle trip and one or more constant speed and idling windows of the vehicle trip. The data server may further estimate gravity from the telematics data in the first primary movement window of the vehicle trip and generate a pitch and a roll angle from the first primary movement window of the vehicle trip, as well as one or more yaw angle estimates from the first primary movement window of the vehicle trip. The data server may further determine a driving pattern using at least constant speed times, idling times, acceleration, breaking, vehicle turns and relate that to estimate driving risk and insurance premium.
    Type: Grant
    Filed: May 16, 2018
    Date of Patent: June 11, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Sunish Shreenarayan Menon, David J. Dosher, Scott Thomas Christensen
  • Patent number: 10181154
    Abstract: A number of enhancements for financial services devices are provided. Financial services devices, as used herein, may include drive-up type financial services devices. These enhancements include user interface improvements as well as increasing functionality of the financial services device. Specific application of the enhancements include drive up financial services devices. The enhancements may include improved ergonomics for customer interaction and multiple display screens, as well as sensors for detection of a customer's vehicle.
    Type: Grant
    Filed: July 19, 2012
    Date of Patent: January 15, 2019
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: William Budde, Giancarlo Miranda, Joseph Bradley Nolan
  • Patent number: 10169815
    Abstract: A system, method, and non-transitory computer-readable information recording medium allows a user or trader to prepare, and send to an exchange, a trade order using a trading device. The trading device receives market data from an exchange and displays the received market data on a display unit of the trading device. The trading device also receives a trade order instruction via an input device at the trading device and detecting an occurrence of a market update as a function of the received market data within an established trade order time period associated with a time at which the trade order was received. If the occurrence of the market update was detected during the established trade order time period, the execution of the trade order is prevented.
    Type: Grant
    Filed: July 9, 2013
    Date of Patent: January 1, 2019
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 10115135
    Abstract: A system and method which overcome the limitations of online charging systems which do not natively support redirection functionality. In an embodiment of the invention a SCIM provides the added redirection functionality to online charging systems which do not natively support redirection functionality. The SCIM supports redirection of a user session to a process application in a manner which allows the user to easily continue with the activity the user was engaged. If selected criteria are met the SCIM can update credit control answers (CCA) with redirection information to redirect the session to an application.
    Type: Grant
    Filed: July 3, 2013
    Date of Patent: October 30, 2018
    Assignee: ORACLE INTERNATIONAL CORPORATION
    Inventors: Shlomo Livne, Vladimir Furman, Renana Seidman, Tzach Livyatan
  • Patent number: 10101808
    Abstract: A system, method, and non-transitory computer-readable information recording medium displays information to a user. Market data having a first portion and a second portion is displayed on a display unit of a trading device. A user focus area is detected, at the trading device. The user focus area is associated with one of the first and second portions of the market data. A first priority is assigned to the one of the first and second portions of the market data and a second priority is assigned to another one of the first and second portions of the market data. The first priority is higher than the second priority. The market data in the first and second portions is updated as a function of the first and second priorities, respectively.
    Type: Grant
    Filed: August 22, 2017
    Date of Patent: October 16, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 10032320
    Abstract: A computer implemented method for determining a driving pattern from raw telematics data is presented. A data server may receive, via a computer network, a plurality of telematics data corresponding to a trip of a vehicle, wherein the plurality of telematics data originates from a client computing device. The data server may also identify a first primary movement window of the vehicle trip and one or more constant speed and idling windows of the vehicle trip. The data server may further estimate gravity from the telematics data in the first primary movement window of the vehicle trip and generate a pitch and a roll angle from the first primary movement window of the vehicle trip, as well as one or more yaw angle estimates from the first primary movement window of the vehicle trip. The data server may further determine a driving pattern using at least constant speed times, idling times, acceleration, breaking, vehicle turns and relate that to estimate driving risk and insurance premium.
    Type: Grant
    Filed: August 7, 2017
    Date of Patent: July 24, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Sunish Shreenarayan Menon, David J. Dosher, Scott Thomas Christensen
  • Patent number: 10032161
    Abstract: A system and method for transferring funds from a sender in a starting currency to a desired recipient in a final, different currency. The system and method allows a sender to select a conversion rate from a plurality of conversion rates and the associated currency converter financial institution to conduct the transfer from the sender to the recipient.
    Type: Grant
    Filed: January 18, 2013
    Date of Patent: July 24, 2018
    Inventor: Paul E. Blackwood
  • Patent number: 10026127
    Abstract: Some embodiments of the invention provide systems and methods for displaying market data for a tradable object which are configured to generate order entry fields for display responsive to user input wherein the generated fields are automatically associated with a price for the tradable object to facilitate the timely placement of a trade.
    Type: Grant
    Filed: August 17, 2017
    Date of Patent: July 17, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 9818104
    Abstract: Embodiments relate generally to systems and methods for enabling and/or completing secure online credit card transactions. Transactions may involve the use of mobile devices wherein credit card information may be stored on the mobile device. The credit card information may be accessed and used to generate proxy credit card information, wherein the proxy information may be communicated during a transaction. The proxy credit card information may be generated by an application on the mobile device and may be communicated to and/or generated by the issuer/network of the original credit card.
    Type: Grant
    Filed: January 25, 2013
    Date of Patent: November 14, 2017
    Assignee: SPRINT COMMUNICATIONS COMPANY L.P.
    Inventors: Robin Dale Katzer, Hemant V. Tiwari
  • Patent number: 9786103
    Abstract: A computer implemented method for determining a yaw angle estimate or vehicle heading direction is presented. A data server may receive a plurality of telematics data originating from a client computing device and determine a first primary movement window from the telematics data. The data server may also determine a potential range of yaw angles from the plurality of telematics data from the first primary movement window and generate an equality that evaluates the potential range of yaw angles. The data server may further maximize the count of acceleration events of the telematics data from the first primary movement window to further generate one or more refined yaw angle estimates. The data server stores the one or more yaw angle estimates on a memory.
    Type: Grant
    Filed: May 15, 2014
    Date of Patent: October 10, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Sunish Shreenarayan Menon, David James Dosher, Scott Thomas Christensen
  • Patent number: 9772685
    Abstract: A system, method, and non-transitory computer-readable information recording medium displays information to a user. Market data having a first portion and a second portion is displayed on a display unit of a trading device. A user focus area is detected, at the trading device. The user focus area is associated with one of the first and second portions of the market data. A first priority is assigned to the one of the first and second portions of the market data and a second priority is assigned to another one of the first and second portions of the market data. The first priority is higher than the second priority. The market data in the first and second portions is updated as a function of the first and second priorities, respectively.
    Type: Grant
    Filed: July 3, 2013
    Date of Patent: September 26, 2017
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 9767515
    Abstract: Some embodiments of the invention provide systems and methods for displaying market data for a tradable object which are configured to generate order entry fields for display responsive to user input wherein the generated fields are automatically associated with a price for the tradable object to facilitate the timely placement of a trade.
    Type: Grant
    Filed: July 3, 2013
    Date of Patent: September 19, 2017
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 9262782
    Abstract: A secure transaction processing system/method allowing injection and execution of credit card and ACH payment forms in a third party web page via cross domain requests is disclosed. The system/method provides a mechanism to inject and execute payment forms into a third (customer) party's website via Cross Domain Requests by providing a set of client application instructions that retrieves presentation and behavior logic and delivers it in a third party application. A browser based client application detects and manages style and behavior conflicts to render forms within in an existing third party web page. The client application then submits the forms via Cross Domain Requests to the transaction processing web server and directs the client application to a new navigation target within the third party website.
    Type: Grant
    Filed: March 14, 2012
    Date of Patent: February 16, 2016
    Assignee: Doing Good Better, LLC
    Inventors: Christopher Lee Coleman, Carl Christopher Tierney
  • Patent number: 8930273
    Abstract: A method and system is provided for generating a dynamic card value (DCV) from a mobile user device for use in a transaction between a user cardholder and a transaction provider. The DCV may be configured for use as a card verification value (CVV), also known as a card security code (CSC), a primary account number (PAN), or a portion of a PAN. The DCV may be generated using a DCV generator which may include an algorithm and a DCV generation key. The DCV generation key may be camouflaged. Obtaining a DCV from the user device may require inputting a PIN, a device identifier, a challenge or transaction information. The DCV may be used for any transaction requiring the input of a user identification number and a verification value, including, credit card transactions, debit card transactions, online or telephonic transactions.
    Type: Grant
    Filed: November 8, 2013
    Date of Patent: January 6, 2015
    Assignee: CA, Inc.
    Inventor: Rammohan Varadarajan
  • Patent number: 8671045
    Abstract: Method and system for implementing an adaptive investing methodology. An asset allocation is determined for each of a plurality of periods of a model duration that optimize an objective function. The asset allocations identify for each of the periods how much of the investment account to invest in one or more asset classes. The objective function subtracts a value of a shortfall risk function from an expected value of an amount of income to be generated by an annuity purchased at the end of the model duration with funds in the investment account at the end of the model duration. The asset allocations are associated with values of a plurality of investor variables. The values of the plurality of investor variables and their associated asset allocations may be stored in one or more wealth tables and used to look up asset allocations for one or more investors.
    Type: Grant
    Filed: September 30, 2011
    Date of Patent: March 11, 2014
    Assignee: Frank Russell Company
    Inventors: Kevin P. O'Connor, Grant W. Gardner, Yuan-An Fan
  • Patent number: 8615468
    Abstract: A method and system is provided for generating a dynamic card value (DCV) from a mobile user device for use in a transaction between a user cardholder and a transaction provider. The DCV may be configured for use as a card verification value (CVV), also known as a card security code (CSC), a primary account number (PAN), or a portion of a PAN. The DCV may be generated using a DCV generator which may include an algorithm and a DCV generation key. The DCV generation key may be camouflaged. Obtaining a DCV from the user device may require inputting a PIN, a device identifier, a challenge or transaction information. The DCV may be used for any transaction requiring the input of a user identification number and a verification value, including, credit card transactions, debit card transactions, online or telephonic transactions.
    Type: Grant
    Filed: January 25, 2011
    Date of Patent: December 24, 2013
    Assignee: CA, Inc.
    Inventor: Rammohan Varadarajan
  • Patent number: 8510134
    Abstract: A computer system including a server and software, for example, provides items and services for injuries under workman's compensation coverage through a web portal. An automated request to provide an item is transmitted from the server over the network setting a specific price, such that the one or more of a plurality of providers is capable of accepting the automated request using the network connected to the server. A care cart may be customizable by the adjuster or the adjuster's employer. Items are added automatically by the system to a care cart using an automated algorithm relating specific items to both an injury code and a zip code, and the system transmits the care cart to the adjuster portal and presents the adjuster with options.
    Type: Grant
    Filed: February 22, 2011
    Date of Patent: August 13, 2013
    Assignee: Matrix Healthcare Services, Inc.
    Inventors: Charles Sweat, Nicholas DiMola, Steven MacDonald, John Kime, James Pace, Jason Hillhouse
  • Patent number: 8438094
    Abstract: Systems and methods for creating and disseminating a SKEW index based on a statistical property reflecting the skewness of an underlying asset and creating and trading derivative investment products based on the SKEW index are disclosed. In one aspect, a SKEW index associated with an underlying asset is calculated. The SKEW index is accessed and a SKEW derivative is created based on the SKEW index. Information associated width the SKEW derivative is then transmitted for display.
    Type: Grant
    Filed: March 4, 2011
    Date of Patent: May 7, 2013
    Assignee: Chicago Board Options Exchange, Incorporated
    Inventor: Catherine T. Shalen