Patents Examined by Ambreen A Alladin
  • Patent number: 11348171
    Abstract: Some examples, described herein, may include detecting a button press of a banking button on a remote control device associated with a media device. The banking button may be designated to access a financial institution. Some examples may include accessing a financial services platform based on detecting the button press. The financial services platform may be associated with the financial institution. Some examples may include providing account information, associated with a financial account of the financial institution, to the financial services platform. The account information, when provided, may cause the financial services platform to access the financial account. Some examples may include obtaining financial information, associated with the financial account, from the financial services platform. Some examples may include providing the financial information to the media device to enable the media device to present the financial information for display.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: May 31, 2022
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Mark Rothbaum, Sarah J. Cunningham
  • Patent number: 11341578
    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: May 21, 2020
    Date of Patent: May 24, 2022
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 11328274
    Abstract: A system configured for managing a split transaction is disclosed. The system receives a request from a first user device associated with a first user to initiate a split transaction session between the first, second, and third users. A first user device associated with the first user includes second contact information associated with the second user. A second user device associated with the second user includes third contact information associated with the third user. The system receives an API request from the first user device to retrieve a third user profile. The system sends a request to the second user device to retrieve the third user profile. The second user device retrieves the third user profile and sends it to the system. The system retrieves the second and third user profiles and adds them to the split transaction session. The system conducts the split transaction session.
    Type: Grant
    Filed: July 28, 2020
    Date of Patent: May 10, 2022
    Assignee: Bank of America Corporation
    Inventors: Sandeep Kumar Chauhan, Udaya Kumar Raju Ratnakaram
  • Patent number: 11321653
    Abstract: A refund tracking (RT) computing device including a processor and a memory in communication with the processor is provided. The RT computing device is configured to receive historical transaction data from a payment network or a merchant data source, the historical transaction data received in different formats, parse data fields from the historical transaction data, store the parsed data fields for each of the transactions in a respective harmonized refund data structure in a database, receive current transaction data for a current transaction from a merchant computing device, retrieve at least one harmonized refund data structure from the database, determine a refund risk score based on comparing the current transaction data to the at least one harmonized refund data structure, and transmit the refund risk score to the merchant terminal.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: May 3, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Lakshmi Sushma Daggubati, Sri Chaitanya Sanaboina
  • Patent number: 11282085
    Abstract: Disclosed in the present invention are a vehicle-borne payment method and device, relating to the technical field of vehicle-borne security payment. The method includes: receiving a vehicle-borne payment request sent by a vehicle, the vehicle-borne payment request including vehicle identification information; according to the vehicle identification information, after the vehicle is determined as a registered vehicle, obtaining driving attribute data of the vehicle within the current time period, and a vehicle driving strategy of the vehicle; according to the driving attribute data in the current time period, and the vehicle driving strategy, determining a risk level corresponding to the vehicle-borne payment request; and sending the risk level to a transaction platform so that the transaction platform determines whether to make a payment according to the risk level. The vehicle driving strategy is, after the vehicle applies for registration, formed according to driving attribute data in a preset time period.
    Type: Grant
    Filed: October 12, 2017
    Date of Patent: March 22, 2022
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Limin Zhang, Jinzhi Hua, Sishuang Wan, Weiqi Yu, Xiang Liu
  • Patent number: 11256329
    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: May 20, 2020
    Date of Patent: February 22, 2022
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 11250434
    Abstract: A payment method and device are provided. The payment method includes: a server receives a passwordless payment request transmitted from a terminal, and receives a current neighboring apparatus identifier search-detected and reported by the terminal; the server performs, according to the current neighboring apparatus identifier, and a corresponding relationship of a preconfigured terminal and a neighboring apparatus identifier, risk evaluation on the terminal, to obtain an overall risk evaluation score; and the server determines, according to the overall risk evaluation score, a passwordless payment strategy corresponding to the passwordless payment request.
    Type: Grant
    Filed: October 20, 2017
    Date of Patent: February 15, 2022
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Weiqi Yu, Sishuang Wan, Limin Zhang, Jinzhi Hua, Shuo He
  • Patent number: 11080784
    Abstract: An example method includes receiving, at a first computing device, market data related to a plurality of tradeable objects. The example method includes displaying, via an interface, the received market data via at the first computing device. The interface is based on an interface object model including a plurality of data components corresponding to the received market data. The example method includes receiving an input selection to share the interface with a second computing device and generating a transfer object model based on the interface object model in response to the receipt of the input selection. The example method includes identifying a first group of the plurality of data components included in the transfer object model and redacting the first group of the plurality of data components corresponding to the received market data components. The example method includes transmitting the redacted transfer object model to the second computing device.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: August 3, 2021
    Assignee: Trading Technologies International, Inc.
    Inventors: Raymond J. Jezek, Jr., Scott F. Singer
  • Patent number: 11055788
    Abstract: A system and method may automatically create auto insurance policy quotes using data obtained by processing an image of a vehicle information sticker. An image of a vehicle information sticker may be received and analyzed using optical character recognition or some other method. The data acquired from the image can be used to identify a particular vehicle, and retrieve data corresponding to the particular vehicle. The customer data, vehicle data, and other data can be used to calculate an insurance policy quote. The created quotes can then be presented to a user for purchase.
    Type: Grant
    Filed: January 28, 2020
    Date of Patent: July 6, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John Howard Mendenhall, David Bruce Hutchison
  • Patent number: 11042872
    Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. The transaction management controller receives payment card data for the payment transaction from the point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: June 22, 2021
    Assignee: WORLDPAY, LLC
    Inventor: Francois B. Bergeon
  • Patent number: 11037143
    Abstract: Implementations of the present disclosure include receiving a transfer request including a first identifier of a first node, a second identifier of a second node, an identifier of a smart asset, and a value, determining whether the smart asset is capable of transfer at least partially based on the identifier of the smart asset, and the value, and in response to determining that the smart asset is capable of being transferred, automatically: providing a first smart asset and a second smart asset, the first smart asset being assigned a first identifier, a first value, and including properties of the smart asset, the second smart asset being assigned a second identifier, the value, and including properties of the smart asset, recording the first smart asset to the first node, and the second smart asset to the second node, and deleting the smart asset.
    Type: Grant
    Filed: April 22, 2019
    Date of Patent: June 15, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Kailai Shao, Xuming Lu, Pengtao Qi
  • Patent number: 10915953
    Abstract: A distributed computer system includes a matcher server that stores an order book of pending orders and a gateway that routes an order message to the matcher server for matching. The gateway also receives individual quote messages bundled into a mass quote message, each individual quote message including a price value for one of a plurality of different instrument identifiers. The gateway routes the mass quote message to a field programmable gate array (FPGA) circuit without involving the matcher server. The FPGA parses and stores data for each individual quote message to a data structure located in the memory of the FPGA. The parsed data is organized in the data structure according to both the instrument identifier and a client identifier that corresponds to a client that sent the mass quote message.
    Type: Grant
    Filed: August 30, 2017
    Date of Patent: February 9, 2021
    Assignee: International Securities Exchange, LLC
    Inventor: Greg J. Maynard
  • Patent number: 10915952
    Abstract: Trading tools may be manipulated by allowing assembly, disassembly, and configuration of different trading tools. The assembly of different trading tools may generate combined trading tools. The combined trading tools may enable interoperability between the trading tools therein. Customization of the combined trading tools may be enabled by enabling a user to rearrange predefined areas displayed within the trading tools within the combined trading tools. The customization of the combined trading tools may enable customization of different functionality within the combined trading tools. The trading tools within a combined trading tool may include a tab tool for enabling multiple instances of another trading tool to which the tab tool is attached. Each instance of a trading tool may be associated with a respective tab for enabling a user to toggle between the multiple instances of the trading tool.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: February 9, 2021
    Assignee: Trading Technologies International, Inc.
    Inventors: Stefani Sandow, Richard Lane, Andrew Shields, Gregory Ryba, Kevin Lim Dudey, Richard Aleth Lowe, Stephen P. Decker
  • Patent number: 10891825
    Abstract: Some embodiments related to account based wagering across multiple gaming operators. Various apparatus and methods are described.
    Type: Grant
    Filed: May 11, 2020
    Date of Patent: January 12, 2021
    Assignee: CFPH, LLC
    Inventors: Lee Amaitis, Paul Williams
  • Patent number: 10824983
    Abstract: Methods and systems of completing tracking-based transactions are disclosed. A financial institution computing system includes a customer database retrievably storing information relating to a plurality of financial accounts, a tag database retrievably storing information relating to a plurality of tags, a network interface circuit, and a transaction circuit. The transaction circuit receives a transaction request with at least one tag relating to an order of goods from a seller computing system. A transaction schedule is generated based on the transaction request and customer information in the customer database, and is stored in the tag database. The transaction circuit receives tag data corresponding to physical movement of the order of goods and performs at least one transaction pursuant to the transaction schedule based on received tag data.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: November 3, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Craig Stuart, Michelle Young, Kenneth L. Wright
  • Patent number: 10783582
    Abstract: In one embodiment, a server is provided for providing real-time monitoring of spending limits. The server may include memory storing software instructions, and a processor(s) configured to execute the software instructions to perform operations. The operations may include determining that a user has interacted with a store item in a retail environment. The operations may also include accessing a user profile of the user that includes a savings goal of the user, and determining that purchase of the store item would meet at least one trigger condition associated with the savings goal. The operations may further include generating an analysis of the estimated impact of the purchase to the savings goal, and providing the analysis to a device for display to the user while the user remains within the retail environment.
    Type: Grant
    Filed: December 18, 2015
    Date of Patent: September 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jason Deperro, Matthew Stern, Daniel Makoski, Makiko Taniguchi, Austin Anderson, Carl Cepress
  • Patent number: 10698480
    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: September 6, 2018
    Date of Patent: June 30, 2020
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 10699339
    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: June 14, 2018
    Date of Patent: June 30, 2020
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 10672075
    Abstract: A system for processing and monitoring trade data receives and transforms trade activities to a musical piece representation, converts the representation to a metrical tree, and performs analysis that provides more accurate onset detection at accelerated speed with more efficient use of computing resources by placing more emphasis on the information hierarchically contained in the metrical tree than on the tree structure when comparing and matching trade patterns, such as potential market manipulation, market change signal, synthetically created trades, or likelihood that the set of trade activities will result in a market price move of one or more financial assets against plans. The analytical system further weights-in the identified signals and determines scores to reflect likelihood of trade irregularities. When the score does not meet a preconfigured threshold, a corresponding action is executed.
    Type: Grant
    Filed: April 2, 2019
    Date of Patent: June 2, 2020
    Assignee: Data Boiler Technologies LLC
    Inventor: Kelvin C. To
  • Patent number: 10657766
    Abstract: Some embodiments related to account based wagering across multiple gaming operators. Users may pre-permission funding transfers from one account to another account. Each account may be usable for a specific purpose, such as wagering at a particular location and/or with a particular gaming operator. Some embodiments may include various sign on options that allow information and/or funding sharing across accounts. Various apparatus and methods are described.
    Type: Grant
    Filed: November 3, 2011
    Date of Patent: May 19, 2020
    Assignee: CFPH, LLC
    Inventors: Lee Amaitis, Paul Williams