Patents Examined by Benjamin Brindley
  • Patent number: 10074130
    Abstract: A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, the computing platform may determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution.
    Type: Grant
    Filed: July 10, 2014
    Date of Patent: September 11, 2018
    Assignee: Bank of America Corporation
    Inventor: Carrie Anne Hanson
  • Patent number: 10032170
    Abstract: System, method, and computer program product to implement four factor authentication rule-based intelligent bank cards, by receiving valid authentication information for a card associated with an account, verifying that a captured image of a person presenting the card matches an image of an authorized user of the account, analyzing the captured image to detect an emotion of the person, and performing a predefined operation to control access to the account upon determining that the detected emotion satisfies an emotion rule associated with the account.
    Type: Grant
    Filed: December 12, 2014
    Date of Patent: July 24, 2018
    Assignee: International Business Machines Corporation
    Inventors: Susan F. Crowell, Jason A. Nikolai, Andrew T. Thorstensen
  • Patent number: 10019762
    Abstract: A computer implemented method for determining one or more idling time windows from a vehicle trip is presented. A data server may receive, via a computer network, a plurality of telematics data originating from a client computing device and identify primary movement data from the plurality of telematics data. The data server may also measure a total variance from the plurality of telematics data at one or more time stamps and determine an average total variance for an entire trip from the plurality of telematics data. The data server may further normalize total variance at the one or more time stamps using the generated average and determine one or more idling time windows from the normalized total variance.
    Type: Grant
    Filed: May 15, 2014
    Date of Patent: July 10, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Sunish Shreenarayan Menon, David James Dosher, Scott Thomas Christensen
  • Patent number: 9892413
    Abstract: System, method, and computer program product to implement four factor authentication rule-based intelligent bank cards, by receiving valid authentication information for a card associated with an account, verifying that a captured image of a person presenting the card matches an image of an authorized user of the account, analyzing the captured image to detect an emotion of the person, and performing a predefined operation to control access to the account upon determining that the detected emotion satisfies an emotion rule associated with the account.
    Type: Grant
    Filed: September 5, 2013
    Date of Patent: February 13, 2018
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Susan F. Crowell, Jason A. Nikolai, Andrew T. Thorstensen
  • Patent number: 9842368
    Abstract: The disclosure details the implementation of an APPARATUSES, METHODS AND SYSTEMS FOR A HIGH DENSITY FINANCIAL ASSET INFORMATION DISPLAY. The disclosure teaches a High Density Financial Asset Information Display which provides a high density, straightforward, unified, compact, dynamic and comprehensive display interface that presents users with a high volume of easy to understand financial asset information including the current buy and sell prices, the current price direction, the amount of time the asset pair is traded at each price, and the change in price over multiple time frames. The High Density Financial Asset Information Display is dynamically updated with the latest financial information and is formatted to convey relevant changes in the information of interest in a way that is easily understood by users.
    Type: Grant
    Filed: October 3, 2013
    Date of Patent: December 12, 2017
    Assignee: Goldman Sachs & Co. LLC
    Inventor: Stephen Richard Schonberg