Patents Examined by Bruce I Ebersman
  • Patent number: 10354251
    Abstract: Systems, methods, and computer readable media for identifying irregular electronic commerce transactions are provided. A server is configured to receive a request for a risk level associated with electronic commerce transactions. The sever accesses a communications account associated with a user who initiated the electronic commerce transaction. The user may initiate the electronic commerce transaction on a wireless device. The server accesses the communication patterns, payment patterns, and voice patterns of the communications account for the wireless device. If changes in the communication, payment, or voice patterns of wireless device are detected, the server assigns a high or medium risk level to the electronic commerce transaction. If the server is unable to identify the pattern change, the assigned risk level of the electronic commerce transaction is low. The assigned risk levels are received by a transaction processor and may influence a rate charged for processing the electronic commerce transaction.
    Type: Grant
    Filed: August 21, 2013
    Date of Patent: July 16, 2019
    Assignee: Sprint Communications Company L.P.
    Inventors: Mike A. Gailloux, Lauren Ricardo King
  • Patent number: 10354234
    Abstract: Described is a method and system for single point deposit of checks. First, a computer scans each of a plurality of checks to generate digitized images thereof, the plurality of checks including at least one of non-consumer checks and consumer checks. After scanning the checks, the computer generates a master file including a record for each check which includes the digitized image of the corresponding check and a data portion including data obtained from a MICR line of the corresponding check. Once the masterfile is created, it is sorted into first and second sub-files based on the digitized images and/or the data portions. The first sub-file includes only the non-consumer checks and the second sub-file includes the consumer checks. The records of the first sub-file are processed according to a non-consumer check procedure. The records of the second sub-file are processed according to a consumer check procedure or the non-consumer check procedure.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: July 16, 2019
    Assignee: EFT NETWORK, INC.
    Inventors: Steven Davis, Martin Klamen
  • Patent number: 10354244
    Abstract: A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved.
    Type: Grant
    Filed: July 23, 2015
    Date of Patent: July 16, 2019
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Ding Zhang, Ningguo Chen, Jianwei Deng, Mingming Zhao, Hailiang Fan, Yulan Liao, Ruting Chen, Qiang Fei, Songjian Wang
  • Patent number: 10332206
    Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.
    Type: Grant
    Filed: November 7, 2013
    Date of Patent: June 25, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ari Studnitzer, Zachary Bonig, Ryan Eavy, Frank Kmiec, Barry Galster, Paul Callaway
  • Patent number: 10325261
    Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.
    Type: Grant
    Filed: November 25, 2015
    Date of Patent: June 18, 2019
    Assignee: Visa International Service Association
    Inventor: James Dimmick
  • Patent number: 10325265
    Abstract: Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a payment gateway. The e-commerce payment facilitator can provide stored payment information to a commerce application based on a few simple selections by a user. This allows a user to easily and securely complete commerce transactions, which simplifies the user's checkout experience and reduces barriers to purchase. Furthermore, the e-commerce payment facilitator can pass payment details to the commerce application's payment gateway. In addition to the foregoing, methods involve dynamically and intelligently providing a user the option of using payment information stored by the network application.
    Type: Grant
    Filed: September 25, 2013
    Date of Patent: June 18, 2019
    Assignee: FACEBOOK, INC.
    Inventors: John Anderson, Yuji Higaki, Deborah Liu
  • Patent number: 10319036
    Abstract: A computer system generates interactive user interfaces. The system is configured to receive first data input via a user interface, access stored data including guideline data based on the received first data, and generate a modified user interface based on the accessed stored data. The first data, and second data received via the modified user interface, are processed and employed for adjusting workflows.
    Type: Grant
    Filed: August 12, 2014
    Date of Patent: June 11, 2019
    Assignee: Hartford Fire Insurance Company
    Inventors: John C. Haywood, Maureen A. Morrison, Joseph E. Musgrove, Jr., Jeffrey D. Panitzke, Sheila M. Peine, Andres Pelaez, Ryan L. Wilson
  • Patent number: 10318941
    Abstract: The PAYMENT PLATFORM INTERFACE WIDGET GENERATION APPARATUSES, METHODS AND SYSTEMS (“API-Tool”) transforms developer credentials, codes and parameter inputs via the API-Tool component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the API-Tool may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The API-Tool may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters.
    Type: Grant
    Filed: August 13, 2013
    Date of Patent: June 11, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Pawan Chawla, Manav Gupta
  • Patent number: 10319037
    Abstract: A system and method captures various gestures or movements made by a driver of a vehicle while driving. Based on the captured gestures or movements, the system and method determines driver gesture behaviors which relate to the driver's driving behaviors. The system and method then performs risk assessment by correlating the driver gesture behaviors with potential recognizable losses involving the driver and/or vehicle. Based on the risk assessment, the system and method assigns ratings for the driver which may be used for insurance rating purposes.
    Type: Grant
    Filed: September 1, 2015
    Date of Patent: June 11, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Aaron Scott Chan, Kenneth Jason Sanchez, Chase Southwood, Sukeerthi Khadri
  • Patent number: 10319174
    Abstract: Systems and methods allowing for a customer to initiate a fuel purchase transaction utilizing a mobile device are described. The customer may further be presented with advertisements on his mobile device and/or be provided with the opportunity to purchase additional items for inclusion on his fuel transaction. In some embodiments, the customer may pay for his transaction using mobile wallet information or other information associated with the mobile device. Alternatively, in some embodiments, the customer may pay for his transaction using input means of the fuel pump.
    Type: Grant
    Filed: June 26, 2012
    Date of Patent: June 11, 2019
    Assignee: NCR Corporation
    Inventors: Joel Aaron Miller, Michael Cain Finley, Steven J. Giera
  • Patent number: 10311407
    Abstract: A method includes receiving an indication that a communication is to be sent from the first party to a second party, and, for the communication from the first party to the second party, generating a code that encodes an indication of a communication routing between the first party and the second party. The computer-implemented method further includes embedding the code into the communication such that the code is sent with the communication from the first party to the second party, receiving a response to the communication, wherein the response to the communication includes the embedded code, and decoding the embedded code to determine the communication routing between the first party and the second party. Still further, the computer-implemented method includes causing the response to the communication to be routed to the first party based on the determined communication routing.
    Type: Grant
    Filed: October 30, 2014
    Date of Patent: June 4, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John M. Dillard, William Richard Simonovich, II, John Jenkins, Chadd Eugene Grove, Kimberly J. Timmons, Christy L. Conn, Kannan Balakrishnan
  • Patent number: 10304138
    Abstract: A computer implemented method for determining a primary movement window from a vehicle trip is presented. A data server may receive a plurality of telematics data originating from a client computing device and summarize the plurality of telematics data at a specified sample rate. The data server may also select one or more data points from the plurality of telematics data and determine that the selected data points meets a threshold value. The data server may further identify a first primary movement and constant speed windows including the data points and associate the first primary movement and constant speed windows with a customer account and auto insurance risk.
    Type: Grant
    Filed: May 15, 2014
    Date of Patent: May 28, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Sunish Shreenarayan Menon, David James Dosher, Scott Thomas Christensen
  • Patent number: 10298534
    Abstract: A social networking system user may associate a graphical element representing the user's emotional reaction with a content item presented by the social networking system. The user is presented with one or more graphical elements maintained by the social networking system and selects a graphical element for associating with the content item. If certain graphical elements are selected, the social networking system prompts the user for compensation or requests compensation from an entity associated with the selected graphical element. The selected graphical element is associated with the content item and a connection, or other information, between the user and the object identifying the selected graphical element is stored by the social networking system. The selected graphical element may be displayed with the content item to the user and to other users connected to the user.
    Type: Grant
    Filed: November 26, 2014
    Date of Patent: May 21, 2019
    Assignee: Facebook, Inc.
    Inventors: Yigal Dan Rubinstein, Abhishek Doshi, Reshma Khilnani Ebberson, Cole Gleason
  • Patent number: 10296972
    Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.
    Type: Grant
    Filed: December 29, 2014
    Date of Patent: May 21, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: Lauren Van Heerden, Lawrence Wong, Tim Thompson, Mike Stephenson, Nigel Lall, Orin Del Vecchio, Gunalan Nadarajah
  • Patent number: 10296899
    Abstract: A universal funding card and the delayed assignment of a funding instrument for a financial transaction are described herein. In one embodiment, a system for facilitating a financial transaction comprises a communications interface; a database storing data regarding a user and a plurality of funding instruments associated with that user; and a payment processing system configured to receive a request for payment authorization from a merchant via the communications interface, to authorize payment to the merchant prior to selection of a funding instrument, and after authorizing payment to the merchant, receive instructions regarding a funding instrument to debit for the payment.
    Type: Grant
    Filed: November 12, 2015
    Date of Patent: May 21, 2019
    Assignee: PAYPAL, INC.
    Inventors: George Lee, Hugo Olliphant
  • Patent number: 10282412
    Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing a browser extension application and a processor configured to execute instructions to perform operations.
    Type: Grant
    Filed: November 19, 2018
    Date of Patent: May 7, 2019
    Assignee: Capital One Services, LLC
    Inventors: Dwij Trivedi, Matthew de Ganon, Kunal Arora
  • Patent number: 10282780
    Abstract: A computer-assisted method for alerting a user of a potential negative balance condition in a financial account. The method includes estimating a future account balance of the financial account and determining whether the future account balance will be a negative value. The method also includes generating for display, in a graphical format, an alert to the user that signifies when the future account balance is the negative value.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: May 7, 2019
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Michael S. Ley, Bryan L. Mackrell, Thomas S. Kunz, Rodney Hal Monson, Hyun Jin Ko, Michael Aaron Chapman, Mark Alexander Jones
  • Patent number: 10275833
    Abstract: Disclosed systems and methods automatically assess buildings and structures. A device may receive one or more images of a structure, such as a building or portion of the building, and then label and extract relevant data. The device may then train a system to automatically assess other data describing similar buildings or structures based on the labeled and extracted data. After training, the device may then automatically assess new data, and the assessment results may be sent directly to a client or to an agent for review and/or processing.
    Type: Grant
    Filed: May 20, 2015
    Date of Patent: April 30, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Nicholas U. Christopulos, Jonathan D. Maurer, Nathan L. Tofte, Roger D. Schmidgall, James M. Freeman
  • Patent number: 10275766
    Abstract: A decryption module is enabled on one or more authorized devices. A user's financial account information is encrypted using a card verification number, or some secret known to the user and replicated onto the authorized devices. The user requests processing of a financial transaction using the previously-encrypted financial account information. The authorized device retrieves the encrypted financial account information and prompts the user to enter the card verification number (or other secret known to the user that was used to encrypt the financial account information). The decryption module decrypts the financial account information using the card verification number entered by the user, and the decrypted financial account information resembles a valid credit card or debit card number and will pass a Luhn test. The decrypted financial account information is transmitted to process the financial transaction initiated by the user.
    Type: Grant
    Filed: September 24, 2013
    Date of Patent: April 30, 2019
    Assignee: GOOGLE LLC
    Inventors: Evan Andrew Stade, Matthew Morton Gaba, Albert Scott Bodenhamer
  • Patent number: 10264175
    Abstract: An event venue with a performance area (e.g., a sport field or auditorium stage) and an eventgoer area (e.g., stadium seating or bleachers) may include a set of eventgoer cameras trained on various sections of the eventgoer area and a set of performance cameras trained on the performance area. The event venue may also include sensors. When an event occurrence (e.g., a goal or touchdown) is detected using the cameras and/or sensors, at least one photo or video of the event occurrence may be captured by the performance cameras, and at least one photo or video of the eventgoer reaction may be captured using the eventgoer cameras. Facial recognition may then be used to identify particular eventgoers in each photo or video. Identified eventgoers can then receive photos or videos in which they are identified along with performance photos or videos that were captured at roughly the same time.
    Type: Grant
    Filed: August 18, 2015
    Date of Patent: April 16, 2019
    Assignee: ProSports Technologies, LLC
    Inventors: John E. Cronin, Seth M. Cronin, Gene Fein, Nick Reasner