Patents Examined by Benjamin S Fields
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Patent number: 8145550Abstract: A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system comprises a report distribution management system, a data relationship manager, and a customer exclusive data association database. The report distribution management system receives financial transaction data. The data relationship manager determines an issuer associated with the financial transaction data, queries a subscription database for subscription data associated with the issuer and a core database for the issuer processing parameters. The processing parameters are applied to the financial transaction data and the subscription data. A customer exclusive data association database is updated with the financial transaction data once the processing parameters are applied.Type: GrantFiled: March 17, 2011Date of Patent: March 27, 2012Assignee: Visa U.S.A. Inc.Inventors: Brian Maw, Ayman Hammad
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Patent number: 8145569Abstract: A role associated with one or more parties involved with a purchase transaction is received. A routing rule associated with the purchase transaction is also received, the routing rule defining how the purchase transaction is routed among the one or more parties. The purchase transaction is processed based on the role of each party and the routing rule.Type: GrantFiled: December 13, 2007Date of Patent: March 27, 2012Assignee: Google Inc.Inventor: Yitao Gong
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Patent number: 8135639Abstract: A system and method are provided for trading a tradable object. One example apparatus includes a microprocessor, a graphical user comprising a first screen region having a plurality of locations in the first screen region, each location corresponding to a price level along a first axis and a time along a second axis. The apparatus also comprises a user input device for sending a command to initiate placement of a timed trade order, and an indicator being dynamically displayed in one of the plurality locations of the first screen region and corresponding to the timed order. In one example embodiment, the indicator dynamically moves over time relative to the second axis indicating a time until the order will be automatically sent to a computerized matching process.Type: GrantFiled: August 31, 2010Date of Patent: March 13, 2012Assignee: Trading Technologies International, Inc.Inventor: Simeon C. Peebler
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Patent number: 8131643Abstract: Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S.(point of sale) terminal, live operators, to send cash transfers from a sender's account such as their credit, debit, bank, or ATM card, or a bank account, to a recipient who accesses the money at any remote ATM type location or P.O.S.(point of sale) terminal by using cards such as a specialized magnetic cards, credit cards, debit cards, and automated teller machine(ATM) card, at anytime and anywhere. Senders can authorize the transfer by touch-tone and PIN(personal identification number) secure codes. The system can operate without pre-existing relationships, and monitor transactions and take surcharges based on transfer amounts, and use a cards tethered to ATM machines and be used with double magnetic sided cards.Type: GrantFiled: February 21, 2011Date of Patent: March 6, 2012Assignee: Integrated Technological Systems, Inc.Inventors: Stephen D. Battaglini, Michael D. Battaglini, Gil Starkey
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Patent number: 8108306Abstract: A micro-payment system has buyers, sellers, and a broker. The buyers establish accounts with the broker and provide payment information allowing the broker to invoice the buyers. The sellers establish accounts with the brokers and specify terms for accessing items, including electronic content, available from the sellers. The sellers also provide payment information that allows the broker to credit the sellers for sales of the items. The broker aggregates the buyers' micro-payment purchases and invoices the buyers. The broker also aggregates the sellers' micro-payment sales and credits the sellers.Type: GrantFiled: August 24, 2011Date of Patent: January 31, 2012Assignee: Google Inc.Inventors: Thomas Alan Nielsen, John Dominick Piscitello, Arturo E. Crespo, Louis Vincent Perrochon, Benjamin Chan-Bin Ling, Georges Harik
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Patent number: 8099309Abstract: The invention relates to a computer implemented method of estimating a first financial outcome. The computer implemented method involves obtaining financial data associated with an entity, selecting a first proposed financial policy impacting the entity, applying the first proposed financial policy to the financial data to estimate the first financial outcome, and presenting the first financial outcome to the entity.Type: GrantFiled: June 26, 2006Date of Patent: January 17, 2012Assignee: Intuit Inc.Inventor: Paul M. Bober
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Patent number: 8095408Abstract: A computer system for facilitating user connectivity in a computer network includes an attention manager, an identity manager, and an introduction manager. The attention manager generates data indicative of the current interests of the user. The identity manager manages data indicative of the interests of the user. The introduction manager provides a proactive contact, content, or commerce data recommendation for the dynamic introduction of contact, content, or commerce data to the user, and may also provide bilaterally secure introductions with other users.Type: GrantFiled: October 11, 2005Date of Patent: January 10, 2012Assignee: ShareThis, Inc.Inventors: Timothy Schigel, David E. Goldberg
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Patent number: 8090609Abstract: An evaluating method for internal network performance by simulation of a flow network model with an acceptable threshold for the required flow of the internal network is applied to a computer system. The network model comprises plural nodes and document flow paths, wherein each said node corresponds to one employee of the internal network with a capacity, which is tested to get a testing result, and each said document flow path has a flow, which maps into a probability distribution data by a probability mapping function. According to the probability mapping function and operation relationship between the capacity and the flow together with the acceptable threshold and the probability distribution data, a system reliability value is calculated out and shown in a display screen.Type: GrantFiled: November 10, 2008Date of Patent: January 3, 2012Assignee: National Taiwan University of Science and TechnologyInventors: Yi-Kuei Lin, Shin-Guang Chen
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Patent number: 8090637Abstract: A network device coalesces data received from an exchange, and provides a user with the opportunity to receive fewer, but up-to-date, data updates from an exchange when duplicate prices become available or a large volume of prices becomes available suddenly. Accordingly, the trader can be assured of receiving non-duplicated prices that are fed at a rate that is cohesive with that trader's connection speed. The present invention is designed to conserve on bandwidth thereby increasing the likelihood that bandwidth will be available to receive desirable market information.Type: GrantFiled: June 2, 2009Date of Patent: January 3, 2012Assignee: Trading Technologies International Inc.Inventors: Jens-Uwe Schluetter, Stephen A. Schwartz
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Patent number: 8090653Abstract: A multiple agency transaction accounting system includes a plurality of point of service stations that conduct, for multiple agencies, respective agency transactions that are associated with various reporting requirements, fees and commissions. A universal transaction encoding subsystem encodes the agency transaction data received from the plurality of stations into universal transaction data and supplies the encoded data to a universal transaction settlement subsystem that parses and aggregates the universal transaction data into encoded agency-specific transaction data and provides the encoded agency-specific transaction data to the respective agencies to complete the transaction accounting. The accounting system may also include a money management subsystem that processes fees and commissions associated with the agency transactions in bulk for the respective agencies. The money management subsystem may process the agency transactions as either credit card transactions or bank account transactions.Type: GrantFiled: November 9, 2006Date of Patent: January 3, 2012Assignee: The Escher Group, Ltd.Inventor: Michael J. Murphy
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Patent number: 8090651Abstract: Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits are disclosed. According to one aspect, the subject matter described herein includes a system for facilitating the exchange of reciprocal deposits. The system includes a first bank for participating in an exchange of reciprocal deposits and a control center for implementing an exchange of reciprocal deposits between the first bank and a second bank for receiving deposits. The control center receives requests for placement of reciprocal deposits, determines requirements of depositing and receiving banks, and facilitates exchange of reciprocal deposits in accordance with the requirements.Type: GrantFiled: October 1, 2010Date of Patent: January 3, 2012Assignee: Anova Financial CorporationInventors: Kim B. Winslow, Adam Roark, Dawn Bunch, Joseph Scheib, Phillips Owen
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Patent number: 8078516Abstract: A method for managing financial data involves parsing a digital file to obtain metadata describing the digital file, where the digital file includes financial data. The method further involves importing the digital file to a financial management application, identifying a record in the financial management application that is associated with the digital file, based on metadata describing the digital file, and linking the digital file to the record in the financial management application.Type: GrantFiled: June 17, 2008Date of Patent: December 13, 2011Assignee: Intuit Inc.Inventors: Benjamin R. Weiss, James R. Del Favero, Todd Matthew Fitch, George A. Hansen
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Patent number: 8078520Abstract: An educational tuition securities system is provided. An educational institution can securitize tuition or course credits into tuition shares. Tuition shares in an educational institution can be purchased for a student and redeemed for payment of tuition credits or education costs at the educational institution. Tuition shares for an educational institution can be traded for tuition shares of another institution. Redeemed tuition shares can be used to pay for undergraduate and graduate education costs, or could be redeemed for cash. The invention provides a mechanism for paying future education costs, as well as for investing in educational institutions.Type: GrantFiled: April 8, 2008Date of Patent: December 13, 2011Inventor: Diane Velona
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Patent number: 8060392Abstract: A professional development registry system comprising a processor and a storage medium operably connected to the processor, wherein the storage medium is capable of receiving and storing data representative of a first career ladder, data representative of at least one participant, data representative of at least one scholarship request, and data representative of at least one training event, and wherein the processor is operable to process said data and generate at least one report comprising at least part of said data.Type: GrantFiled: October 31, 2007Date of Patent: November 15, 2011Assignee: ChildCare Education Institute, LLCInventors: Michael Musso, Glenn Ewing
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Patent number: 8046249Abstract: Certain embodiments of the present invention provide for a system and method for computer network scheduling and communication. In an embodiment, a computer network scheduling and communication system includes a settings module for selecting one or more preferences. The system also includes a calendar module adapted to generate one or more schedules based on the one or more preferences. In addition, the system includes a communication module for sending and receiving one or more messages. The system also includes a database for storing the one or more preferences, the one or more schedules and/or the one or more messages.Type: GrantFiled: December 14, 2007Date of Patent: October 25, 2011Inventor: John F. Hitz
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Patent number: 8046296Abstract: The invention that is the subject of this Disclosure is a computerized method for valuing and transferring interests in property (whether real or personal, tangible or intangible) or goods. The method involves having parties that hold ownership interests in property or goods disclose to a processor that is administered by a third-party (but not disclose to each other) a price at which they would be willing to either sell their interests to the other side, or buy out the other side's interests, submitting binding offers to the third party obliging them either to buy or sell at their stated price (in the unlikely event that the stated prices are the same), or, alternatively, at some other price in between the ones set forth in their offers that is more favorable to each of them and that is identified by the third party.Type: GrantFiled: August 26, 2008Date of Patent: October 25, 2011Inventors: Steven J. Brams, James F. Ring
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Patent number: 8041635Abstract: Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another example, the method may include receiving a notice of loss, deriving a payee, processing one or more rules using the information, determining whether an automatic payment can be made and transferring funds if the automatic payment can be made. In a further example, the method may include receiving a notice of loss, the loss having one or more exposures, processing one or more rules for each of the exposures in parallel, determining if an automatic payment can be made for each of the exposures and removing the automatic payment for an exposure if it can not be made while continuing processing payments for the remaining exposures.Type: GrantFiled: February 20, 2008Date of Patent: October 18, 2011Assignee: United Services Automobile Association (USAA)Inventors: Ana Maria Garcia, Zinda R. Vareed, Pamela Glimm Diener
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Patent number: 8041637Abstract: Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another example, the method may include receiving a notice of loss, deriving a payee, processing one or more rules using the information, determining whether an automatic payment can be made and transferring funds if the automatic payment can be made. In a further example, the method may include receiving a notice of loss, the loss having one or more exposures, processing one or more rules for each of the exposures in parallel, determining if an automatic payment can be made for each of the exposures and removing the automatic payment for an exposure if it can not be made while continuing processing payments for the remaining exposures.Type: GrantFiled: February 20, 2008Date of Patent: October 18, 2011Assignee: United Services Automobile Association (USAA)Inventors: Ana Maria Garcia, Zinda R. Vareed, Pamela Glimm Diener
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Patent number: 8027857Abstract: An electronic data structure, tangibly embodied in an electronic information carrier, models a manufacturing process, and a computer-implemented method that generates and that uses the data structure. The data structure includes a header structure comprising planned time duration information for a defined manufacturing operation of the manufacturing process. The data structure also includes a resource capacity requirement structure linked to the header structure. The resource capacity requirement structure includes, firstly, planned resource capacity requirement information for a defined resource used in the manufacturing operation, and secondly, planned time refinement information that defines, within the header time duration information, a further refined timeframe during which the defined resource is estimated to be consumed.Type: GrantFiled: March 14, 2006Date of Patent: September 27, 2011Assignee: SAP AGInventors: Jochen Steinbach, Klaus Reinelt, Tesfaldet Negash, Arno Eifel
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Patent number: 8027918Abstract: A micro-payment system has buyers, sellers, and a broker. The buyers establish accounts with the broker and provide payment information allowing the broker to invoice the buyers. The sellers establish accounts with the brokers and specify terms for accessing items, including electronic content, available from the sellers. The sellers also provide payment information that allows the broker to credit the sellers for sales of the items. The broker aggregates the buyers' micro-payment purchases and invoices the buyers. The broker also aggregates the sellers' micro-payment sales and credits the sellers.Type: GrantFiled: November 24, 2004Date of Patent: September 27, 2011Assignee: Google Inc.Inventors: Thomas A. Nielsen, John Dominick Piscitello, Arturo E. Crespo, Louis Vincent Perrochon, Benjamin Chan-Bin Ling, Georges Harik