Patents Examined by Bruce I Ebersman
  • Patent number: 11328363
    Abstract: A property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.
    Type: Grant
    Filed: May 15, 2019
    Date of Patent: May 10, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Joseph Robert Brannan, Ryan Michael Gross, Brian N. Harvey, Aaron Williams, J Lynn Wilson
  • Patent number: 11328330
    Abstract: A computer-implemented method for processing invoices from overseas vendors and overseas carriers. The methods and systems retrieve (e.g., using various APIs) and rely on current data from the most accurate or up-to-date sources of such data, and then store the data in a single location as a “single source of truth” for invoice data. As a result, errors and time for processing overseas invoices are reduced because accurate data is more readily and promptly available for reconciling discrepancies and paying the invoices.
    Type: Grant
    Filed: December 13, 2019
    Date of Patent: May 10, 2022
    Assignee: TARGET BRANDS, INC.
    Inventors: Eric Helvie, Andre G. Martin, Bindu Francis
  • Patent number: 11328273
    Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.
    Type: Grant
    Filed: November 15, 2019
    Date of Patent: May 10, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Venkatesh Jagalpure, Ketan Shrikant Joshi, Gaurav K Patni
  • Patent number: 11328085
    Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.
    Type: Grant
    Filed: May 13, 2020
    Date of Patent: May 10, 2022
    Assignee: Capital One Services, LLC
    Inventors: Leeyat Bracha Tessler, Kyle Johnson, Latika Gulati
  • Patent number: 11328277
    Abstract: A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.
    Type: Grant
    Filed: August 6, 2019
    Date of Patent: May 10, 2022
    Assignee: Block, Inc.
    Inventors: Edward Gonzales, Christian De Angelis, Marc Perry, Eric Zundel Ayers, Vibhor Chhabra, Adam Edwards, Christopher Heisel, Morgan Engel, Stephen Brewer, Ryder Moody
  • Patent number: 11321683
    Abstract: There are provided systems and methods for tokenized data having split payment instruction for multiple accounts in a chain transaction. A user may provide a payment to a merchant that sells one or more items to the user. In order to sell items, the merchant may utilize a partner service that provides resources for the merchant to sell the items, such as an online marketplace. The partner service may require a payment for each transaction by the merchant using the partner service. Thus, when a payment request is generated to the merchant for items sold to the user, the partner service may attach to the payment request and provide a split payment request for a split payment from the payment request. The payment between the user and merchant may be processed, and a separate transaction may provide the split payment automatically to the partner service from the merchant.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: May 3, 2022
    Assignee: PAYPAL, INC.
    Inventors: Alex Miyamoto, Gorka Sanchez
  • Patent number: 11321716
    Abstract: Methods and systems disclosed herein related to analyzing the risk of an identity-based transaction and offering the identity-based transaction to a risk exchange. An identity-based transaction may be a transaction that is initiated with a digital identity, and an assertions model manager may provide assertions about the digital identity for completing the identity-based transaction. The assertions model manager may use the assertions and information about the identity-based transaction to analyze transaction risk. A risk score for the identity-based transaction can be calculated, and then the identity-based transaction may be offered on a risk exchange.
    Type: Grant
    Filed: February 15, 2019
    Date of Patent: May 3, 2022
    Assignee: Visa International Service Association
    Inventors: Michael Bankston, Erik Friend, Jerry Wald
  • Patent number: 11321706
    Abstract: The invention provides a method that allows an issuer system, e.g. of a bank, to have generated a plurality of anonymous accounts and cards for working up a stock and to only personalize them individually if required. In the personalization step at the card issuer, e.g. in the bank branch, a printing of the back side does not have to be performed, instead all the necessary printing of the back side is already effected at the card manufacturer during the manufacturing of the anonymous card. As a result, a simple, low-cost printer without a back-side printing option can be utilized for the personalization of the anonymous card.
    Type: Grant
    Filed: March 21, 2018
    Date of Patent: May 3, 2022
    Assignee: GIESECKE+DEVRIENT MOBILE SECURITY GMBH
    Inventor: Christian Boelle
  • Patent number: 11315088
    Abstract: A method may include collecting, in a data store, a plurality of signals associated with a user and a geographic area; calculating, using at least one processor, a satisfaction score for the user with respect to the geographic area based on the plurality of signals; querying the data store to retrieve a set of entities associated with the geographic area; generating, using the at least one processor, a respective credit allocation amount for each of the set of entities based on the satisfaction score and a user-specified allocation modality; and initiating a transfer from a user account to a set of receiver accounts according to the respective generated credit allocation amounts.
    Type: Grant
    Filed: November 27, 2018
    Date of Patent: April 26, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jannette Marie McCully, Michael H. Chang, Russell Sage Hamilton, Gerardo Costilla, Darius A. Miranda, Muhammad Farukh Munir, Traci H. Nguyen
  • Patent number: 11315108
    Abstract: A payment service generates multiple user profiles, each profile associated with a different user. Each user profile may be linked to multiple transaction cards and multiple numerical balances. Multiple transaction cards can be linked to a same numerical balance—even if the cards are from different user profiles. Restrictions, such as transaction type blacklists and whitelists or parent/guardian permission relationships, can be placed on particular numerical balances, or on access to particular numerical balances by particular cards. Numerical balances and transactions using particular cards may be tracked using user profiles with access to those cards and numerical balances.
    Type: Grant
    Filed: November 30, 2018
    Date of Patent: April 26, 2022
    Assignee: Block, Inc.
    Inventors: Ayokunle Omojola, Ashutosh Sham Dhodapkar
  • Patent number: 11315119
    Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 26, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Rodney Kalich, Randall Martin Brandt, Marco Aldo Jimenez, David Perry
  • Patent number: 11308551
    Abstract: A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system may construct flippable score factor displays comprising consumer specific information specific to a credit category that may be reversed to display explanatory text regarding how that credit category affects their credit report. The score factor display may include a comparison between the consumer's scores and the high scorers' scores in a number of categories. Scores of high scorers may be periodically refreshed. Additionally, the group of high scorers may be limited according to a particular demographic, such as a geographic location, that may be selectable by a user.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: April 19, 2022
    Assignee: Consumerinfo.com, Inc.
    Inventors: Jeffrey Bryan Mahacek, Janice Anne Rohn
  • Patent number: 11301928
    Abstract: A system includes a processor and machine readable storage media having instructions stored therein. The instructions, when executed by the processor, cause the processor to receive input indicating whether a customer of a financial institution has a mobile device, to receive an indication from the customer via the mobile device acknowledging that the customer has been given access to disclosure documents, and to provide the customer with a financial product based on the indication.
    Type: Grant
    Filed: November 13, 2018
    Date of Patent: April 12, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erin Constantine, Kimberly Robin Nelson, Bryan William Huisman
  • Patent number: 11295307
    Abstract: A method and an apparatus of obtaining location information are disclosed. According to the disclosed method, a server obtains transaction data uploaded by a terminal, determines a transaction device identifier and transaction address information included in the transaction data, and determines and stores location information of a transaction device corresponding to the transaction device identifier based on the transaction address information. Using the above method, the server is able to automatically record the location information of the transaction device through the transaction data uploaded by the terminal, without the need of manually recording the location information of the transaction device, thereby effectively enhancing the efficiency of obtaining the location information of the transaction device.
    Type: Grant
    Filed: November 16, 2020
    Date of Patent: April 5, 2022
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Hui Liu, Lin Zhou, Haohua Zheng, Huifeng Jin, Tiancheng Xiang
  • Patent number: 11295283
    Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.
    Type: Grant
    Filed: March 21, 2017
    Date of Patent: April 5, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Ann M. Kirk, Brian M. Pearce, Steven E. Puffer, Wairnola Marria Rhodriquez, Javier S. Silva
  • Patent number: 11295385
    Abstract: A quantity modifier and a price modifier are provided for a spread trading strategy having a desired spread price and a desired spread quantity. According to an example embodiment, a quantity modifier divides the desired spread quantity into a plurality of disclosed spread quantities. Once the disclosed quantities are determined, a plurality of disclosed spread orders having the disclosed spread quantities are sequentially submitted to the market until the full desired spread order quantity is executed or until a predefined condition is detected. A price modifier determines a price level for each disclosed spread quantity, such that each disclosed spread order may be submitted at a different price level.
    Type: Grant
    Filed: September 4, 2020
    Date of Patent: April 5, 2022
    Assignee: Trading Technologies International, Inc.
    Inventors: Patricia A. Messina, Bharat MIttal
  • Patent number: 11288653
    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: September 24, 2020
    Date of Patent: March 29, 2022
    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: 11282050
    Abstract: A system and method for providing location based services for user-fee chargeable facilities is provided. The invention provides for detecting location, and offering and charging for usage of user-fee chargeable facilities. The invention further provides a convenient and common platform for offering user-fee chargeable services from different organizations. Furthermore, the invention provides a system and method that facilitates payment of fees through multiple payment channels, provides opportunities for using accumulated loyalty points in lieu of payments, availing personalized discounts and/or offers in lieu of financial payments and provides options for sharing the payment of fees between multiple users. The invention also provides a system and method that helps facility owners and operators and third party partners to reduce costs and increase revenue leveraging location-based services.
    Type: Grant
    Filed: October 10, 2018
    Date of Patent: March 22, 2022
    Assignee: COGNIZANT TECHNOLOGY SOLUTIONS INDIA PVT. LTD
    Inventors: Alfred Philipson, Kabali Ganesan, Paul Godwin, Alok Magan
  • Patent number: 11282054
    Abstract: A method for recording services provided in a mobile service vehicle composed temporarily of a vehicle carriage and a service-specific passenger compartment wherein services are provided by a service provider during the journey. The method includes linking the service provider to the passenger compartment via information technology, determining a service provided during the journey using the passenger compartment, automatically allocating a first service dataset, which corresponds to the service that has been provided, to a service provider's account using the link.
    Type: Grant
    Filed: August 28, 2018
    Date of Patent: March 22, 2022
    Inventors: Sebastian Höflich, Volker Römmeler, Jan Wehinger
  • Patent number: 11276048
    Abstract: An online payment processing method, apparatus and system provide a simpler and less expensive online fund payment processing process. The method includes: sending a payment processing request from a merchant client to a payment request receiving server, the payment processing request carrying payment information; sending a uniform resource locator (URL) request to an open platform; processing payment by the open platform server based on the payment information obtained from the payment request receiving server and user information obtained from a user through a user client.
    Type: Grant
    Filed: September 24, 2019
    Date of Patent: March 15, 2022
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Zhao Liu, Ge Liu, Xiongwei Peng, Yuheng Xie