Patents Examined by Bruce I Ebersman
  • Patent number: 10776783
    Abstract: This invention discloses a novel system for securing and using payment token data in a system for processing electronic payment transactions that does not require down-time for rekeying encryption keys when the keys are rotated.
    Type: Grant
    Filed: March 14, 2018
    Date of Patent: September 15, 2020
    Assignee: Shopkeep Inc.
    Inventors: Yasser Abou-Nasr, Michael Boland
  • Patent number: 10776866
    Abstract: Systems and methods are provided which monitor trades entered into and cleared by counterparties, track the net and gross positions of counterparties and the counterparties' parent entities, trigger warnings when counterparties or their parent entities exceed a warning limit, and shut-off counterparties' trading ability when counterparties exceed a credit limit. An operator of a credit system using these systems and methods is provided with a variety of interfaces through which the operator can set up new counterparties, search a list of counterparties, view and edit basic information for counterparties, view financial information for counterparties, view and edit notes regarding to counterparties, view and edit limits of counterparties, view position versus limit information for counterparties, view the current day's position information for counterparties, and view cumulative position information for counterparties.
    Type: Grant
    Filed: May 19, 2014
    Date of Patent: September 15, 2020
    Assignee: BGC PARTNERS, L.P.
    Inventors: Stewart Harris, Azucena De Latorre, Aniruddha Deb, Janna Turetsky
  • Patent number: 10769606
    Abstract: A method including receiving a first promise-to-pay message at a transaction system. The method also can include storing the first promise-to-pay message in the transaction system. The method additionally can include sending a second promise-to-pay message from the transaction system to a second financial institution. The method further can include receiving a first response at the transaction system from the second financial institution indicating a successful credit of the second account maintained by the second financial institution. The method additionally can include storing the first response in the transaction system. The method further can include sending a second response from the transaction system indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution.
    Type: Grant
    Filed: April 18, 2016
    Date of Patent: September 8, 2020
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Gyorgyi Novac, Chuck Hutchison, Lou Anne Alexander, Austin McCormick, Laura Weinflash, Rajesh Kulkarni
  • Patent number: 10769727
    Abstract: Home telematics devices are engineered to identify unique device signatures for all appliances, fixtures, and so on that generate voltage noise, pressure waves, and acoustic responses throughout a property. The device signatures comprise the inventory of devices in the insured's home and are used to create an electronic record of the devices that assists him in filing a claim with an insurer that is quick and easy after a theft or total loss. Using the device signatures provided by home telematics devices' sensing an itemization technology, fraud detection is also possible. Additionally, analytics software predicts possible failure by analyzing the device signatures.
    Type: Grant
    Filed: July 7, 2014
    Date of Patent: September 8, 2020
    Assignee: Liberty Mutual Insurance Company
    Inventors: Brian Stephen Piccolo, Guy Michael Mabry, Courtney Taryn Quinn, Normand Francis Olean, Jr.
  • Patent number: 10762569
    Abstract: Techniques for displaying market depth information for a financial instrument including a plurality of bid and ask order metrics at corresponding prices of the market instrument and associated time information. A graphical representation of the market depth information, with axes corresponding to time and price, is aligned with color gradients corresponding to one or more metrics including, for example, bid and ask order volume, order count, or order consideration, generated based on the market depth information. The graphical representation of the market depth information and the color gradients are displayed using a display device.
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: September 1, 2020
    Assignee: Fidessa Trading UK Limited
    Inventors: Bruce Bland, Oleh Danyliv
  • Patent number: 10762502
    Abstract: Example methods and systems describe transaction cards with one or more light sources to provide a status of a transaction to a cardholder. For example, a transaction card may determine whether a transaction is a duplicate of a prior transaction, and, if the transaction card determines that the transaction is a duplicate of a prior transaction, the transaction card may provide an alert to the cardholder that indicates that the cardholder has been charged twice for a single transaction.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: September 1, 2020
    Assignee: Capital One Services, LLC
    Inventors: Shena Yoshida, Christopher Ribetti
  • Patent number: 10762577
    Abstract: A method and system for processing electronic offers comprising at least one processing device that submits an electronic offer for a first policy, receives a bid that is responsive to the offer and an acceptance of the bid, and executes a transaction workflow including an agreement with a buyer associated with the bid. In the agreement, the buyer receives the first policy and pays premiums to the first entity that keep the first policy in force, pays certain fees to a second entity, which second entity issues to the owner at least one second policy with a second benefit value based on the life of the insured, the second benefit value comprising a portion of the first benefit value, and pays or causes to be paid to the second entity at least a second benefit value based on the life of the insured.
    Type: Grant
    Filed: January 13, 2020
    Date of Patent: September 1, 2020
    Assignee: Dash Investments LLC
    Inventor: Reid S. Buerger
  • Patent number: 10762560
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: February 23, 2018
    Date of Patent: September 1, 2020
    Assignee: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Patent number: 10762566
    Abstract: Methods, devices, and systems for communicating market data with market participants involve obfuscating at least a portion of a first financial message. Communicating the market data also involves augmenting a second financial message with a key configured to remove the obfuscation from the obfuscated portion of the first financial message. The market data is ultimately communicated by transmitting the first financial message to a particular participant, and transmitting the second message to a plurality of participants. The particular participant may then use the key from the second financial message to remove the obfuscation of the first financial message.
    Type: Grant
    Filed: June 20, 2018
    Date of Patent: September 1, 2020
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: José Antonio Acuña-Rohter, Paul Callaway, Pearce Peck-Walden, Barry Galster
  • Patent number: 10755295
    Abstract: A method for determining an amount of electricity to purchase includes determining electrical power consumption characteristics of an electrical load at an end user of the electricity. A preference of the end user for an output of the electrical load is ascertained. The output varies with a rate of electrical power consumption by the load. A mathematical model is created of an amount of electrical power to be consumed by the load as a function of time and of monetary cost of the electricity. The model is dependent upon the electrical power consumption characteristics of the electrical load and the preference of the end user for an output of the electrical load. An amount of electricity is purchased based on the mathematical model of an amount of electrical power to be consumed by the load, and based on the monetary cost of the electricity.
    Type: Grant
    Filed: October 8, 2015
    Date of Patent: August 25, 2020
    Assignee: Robert Bosch GmbH
    Inventors: Marija Dragoljub Ilic, Jhi Young Joo, Burton Warren Andrews, Badri Raghunathan, Diego Benitez, Felix Maus
  • Patent number: 10748127
    Abstract: A method including receiving a debit message at a first financial institution to debit a first account maintained by the first financial institution based on a payment authorization for a payment amount made by a sender at a payment authorization time, the first account being held by the sender. The method also can include performing a successful debit for the payment amount from the first account maintained by the first financial institution in real-time after the payment authorization time. The method additionally can include sending a debit response from the first financial institution in real-time after the payment authorization time. Other embodiments are provided.
    Type: Grant
    Filed: April 18, 2016
    Date of Patent: August 18, 2020
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Gyorgyi Novac, Chuck Hutchison, Lou Anne Alexander, Austin McCormick, Laura Weinflash, Rajesh Kulkarni
  • Patent number: 10748216
    Abstract: An apparatus and method for generating a damaged vehicle estimate for a damaged vehicle. A mobile device is used to capture a photo image of the damaged vehicle and receive vehicle information from a user. The mobile device displays a graphical image of the damaged vehicle. A user can provide input on the graphical image that indicates a location of damage on the damaged vehicle. The photo image, marked graphical image and the vehicle information are transferred from the mobile device to a computer where a damaged vehicle estimate is generated. The damaged vehicle estimate is transferred to the mobile device and displayed to a user.
    Type: Grant
    Filed: October 13, 2014
    Date of Patent: August 18, 2020
    Assignee: Audatex North America, Inc.
    Inventor: John Martin Smith, Jr.
  • Patent number: 10748129
    Abstract: Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.
    Type: Grant
    Filed: March 19, 2018
    Date of Patent: August 18, 2020
    Assignee: First Data Corporation
    Inventors: Christopher L. Toomer, Steven E. Arthur
  • Patent number: 10740749
    Abstract: Embodiments of the disclosure enable one or more protection mechanisms to be managed using a digital wallet platform. Product data associated with a product is identified. The product data is analyzed to identify one or more potential protection mechanisms associated with the product. At least one protection mechanism is identified from the potential protection mechanisms, and the product is registered with a protection system such that the at least one protection mechanism provides protection for the product. A protection capsule corresponding to the at least one protection mechanism is generated. The protection capsule is accessible using a digital wallet. Aspects of the disclosure provide for utilizing the digital wallet for a plurality of functions including payment card management, financial account management, and protection mechanism management.
    Type: Grant
    Filed: June 1, 2016
    Date of Patent: August 11, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Pamela H Loscher, Wei Xu, Frank Charles Barbuto
  • Patent number: 10740841
    Abstract: Various systems and methods for presenting and interacting with electronic trading related information on a display screen of a computer system are provided. According to one or more embodiments, buttons are positioned and compressed along an axis, where each button corresponds to a function. A button can be selected through an action of a user input device. A button is removed from the region when a function corresponding to the button is no longer current and when the cursor is not positioned within the region. The remaining buttons, if any, in the region are compressed subsequent to removing the button from the region. A button is not removed from the region when the cursor is positioned within the region.
    Type: Grant
    Filed: March 8, 2017
    Date of Patent: August 11, 2020
    Assignee: Trading Technologies International, Inc.
    Inventors: Patricia A. Messina, Dejan M. Srdjevic, Bharat Mittal
  • Patent number: 10733672
    Abstract: A system is engineered to facilitate calculation of predicted perils connected with a ridesharing vehicle. The system facilitates premium endorsement that provides higher coverage than is provided under conventional products and allows drivers to work directly with their personal lines insurer in reviewing their coverage and filing a claim in the event of an accident. The subject matter facilitates higher limits while including a post-policy period audit that allows a reconciliation of high-use or high-risk driving with appropriate retroactive rate adjustments. The system also facilitates retroactive rate adjustments that would compare a policyholder's time/distance driven or collected telematics data (including time or distance driven in each driving period) to the group average or other historical underwriting data.
    Type: Grant
    Filed: December 3, 2015
    Date of Patent: August 4, 2020
    Assignee: Liberty Mutual Insurance Company
    Inventors: Daniel Carey Bernstein, Christopher Tassone, Nicholas Grant
  • Patent number: 10733674
    Abstract: A pattern-recognition based method and system that generate a plurality of block elements based on predefined boundary conditions provided by an automated underwriting system, capture and scan a workflow object within a workflow pathway thereby recognizing and identifying block elements of a recognition block-map in the captured workflow object, determine a proximity factor relative to each workflow object of a second database, measure a corresponding proximity factor by matching recognized block elements of the captured workflow object with block elements of a workflow object of the second database, provide the measure for the proximity of the two workflow objects based on the mutually allocatable block elements, and generate and assign a conformity index to the captured workflow object based on the conformity of the recognized block elements with a stored block elements of a first searchable data structure.
    Type: Grant
    Filed: March 24, 2017
    Date of Patent: August 4, 2020
    Assignee: Swiss Reinsurance Company Ltd.
    Inventors: Rory Unsworth, Jorge Paya
  • Patent number: 10733612
    Abstract: One or more interfaces receive, from one or more sources, supplier data, comprising transactional data and an industry type, and supplier profile data, comprising supplier acceptance category information, associating each of a plurality of predetermined supplier acceptance categories with one or more industry types, and profile type information, associating each of a plurality of predetermined profile types with one or more transaction characteristics of a plurality of transaction characteristics and one or more supplier acceptance categories of the plurality of predetermined supplier acceptance categories.
    Type: Grant
    Filed: January 21, 2016
    Date of Patent: August 4, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mary Mazzochi, Mark Ellefson, Marc Bacon, Barney Spann, Christine N. Hunsucker
  • Patent number: 10726480
    Abstract: Various systems and methods for trade order processing in an electronic trading environment are provided. According to one or more embodiments, two or more trade orders are currently queued for execution at one or more electronic exchanges and are to be modified at substantially the same time. Each trade order is processed according to a priority based on each order's proximity to a particular market price, for example.
    Type: Grant
    Filed: June 29, 2017
    Date of Patent: July 28, 2020
    Assignee: Trading Technologies International, Inc.
    Inventors: Alexander V. Foygel, Bharat Mittal
  • Patent number: 10726477
    Abstract: In an example implementation, a method includes receiving, at a computing device, borrower information, requested financing plan information, and credit bureau information relating to a particular borrower. Likewise, a method includes processing at least one of the received information to identify a subset of lenders as potential candidates to approve a loan for the particular borrower and generate an offer of the loan for the borrower. Further, the method includes performing a portfolio assignment process and generating electronic documents relating to the loan following the borrower's acceptance of the offer. Finally, the method includes sending an offer of the loan to a borrower and, upon receipt of the borrower's acceptance, transmitting the loan documents to the borrower.
    Type: Grant
    Filed: June 22, 2015
    Date of Patent: July 28, 2020
    Assignee: GREENSKY TRADE CREDIT, LLC
    Inventors: David Zalik, Jeffrey Gold, Robert Lanier, Jacob F. Crowe, Robert W. Lee