Patents Examined by Calvin L Hewitt, II
  • Patent number: 12020334
    Abstract: A system for explaining tax questions for an electronic tax return preparation program includes a computing device having a tax logic agent and a user interface controller. The computing device executes the tax logic agent, which analyzes a completeness graph to identify a required variable. The tax logic agent also determines whether an explanation asset is indexed to the required variable in the completeness graph, and sends an identity of the required variable to a user interface controller. The user interface controller generates a tax question corresponding to the required variable. When the tax logic agent determines that an explanation asset is indexed to the required variable in the completeness graph, the computing device presents the tax question and the explanation asset. When an explanation asset is not indexed to the required variable in the completeness graph, the computing device presents the tax question without the explanation asset.
    Type: Grant
    Filed: October 26, 2016
    Date of Patent: June 25, 2024
    Assignee: INTUIT INC.
    Inventors: Gang Wang, Sasha Mikhael Perez, Jennifer L. Keenan, Arien C. Ferrell, Michael J. Graves
  • Patent number: 11983684
    Abstract: Disclosed herein are system, method, and computer program product embodiments for verification of proximity to a kiosk, such as an ATM. The mobile application installed on a mobile device may be used to setup a prestaged transaction. When the mobile device is in the proximity to the kiosk to complete the prestaged transaction, a location of the mobile device may be verified using ambient sound recorded by a microphone of the mobile device. The ambient sound may be songs, tones, or ultrasonic sound played by a sound system near the kiosk. The recorded ambient sound may then be compared to expected audio from the sound system to determine whether the mobile device is in proximity to the kiosk.
    Type: Grant
    Filed: March 5, 2020
    Date of Patent: May 14, 2024
    Assignee: Capital One Services, LLC
    Inventors: Danielle Simpson, Saleem Ahmed Sangi, Matthew B. Konopa, Brian J. Oh
  • Patent number: 11983692
    Abstract: An electronic communication module broadcasts a first stream of alternating packets by alternating between a plurality of first packets and a plurality of second packets from a transceiver. Each of the first and second packets is associated with a first and second service, respectively, and includes a header with information identifying a first and second device, respectively as its source of transmission. The electronic communication module receives from a first mobile device a request for the first device to perform an operation associated with the first service, and concurrently establishing a connection with the first mobile device and transmitting first packets associated with a response to the first request, while continuing to broadcast second packets indicating presence of the second device, where the first and second packets are transmitted in an alternating pattern.
    Type: Grant
    Filed: April 18, 2018
    Date of Patent: May 14, 2024
    Assignee: PAYRANGE INC.
    Inventor: Paresh K. Patel
  • Patent number: 11900463
    Abstract: An accountability management system for determining an accountability in terms of a responsibility score for an investor of an enterprise. First footprint for a first node and second footprint for a second node are determined. A first fraction of the first footprint and a second fraction of the second footprint is allocated to the enterprise whose transaction from the first node and the second node defines the first fraction and the second fraction. A first degree, a second degree, and a third degree are determined. An aggregate offset attributable to the enterprise is determined from the first, the second, and the third degree. The responsibility score is determined for the investors based on the aggregate offset. Changes to the data sources, the first node, the second node, or a connection between the first node and the second node leads to updating of the aggregate offset and the responsibility score.
    Type: Grant
    Filed: August 17, 2021
    Date of Patent: February 13, 2024
    Assignee: Persefoni AI Inc.
    Inventor: Kentaro M. Kawamori
  • Patent number: 11810202
    Abstract: Methods and systems for developing virtual models and assessing a condition of a feature of a modeled property within a virtual environment are described herein. A server may receive a data request from a user electronic device. The data request may comprise a property of interest located in an overall region. The server may then dynamically acquire a virtual model for rendering the property within a virtual environment at the user electronic device based on the data request. The server may then determine to assess a condition of the feature associated with the property represented in the virtual model in accordance with rules. The condition of the feature is relevant to assessing risks associated with the one or more properties. The server may subsequently obtain an assessment of the condition associated with the feature of the property based on a representation of the condition within the virtual environment.
    Type: Grant
    Filed: October 17, 2018
    Date of Patent: November 7, 2023
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Rebecca A Little, Bryan R Nussbaum, Deanna L Stockweather, Nathan C Summers, An Ho, Vicki King
  • Patent number: 11783337
    Abstract: An apparatus is configured to receive a complaint initiation signal that includes an indication that a card reader may be compromised, and initiation date and time of the complaint, and geolocation data related to the reporting party. The apparatus is further configured to identify a street address closest to the geolocation data in the complaint using a geolocation application programming interface and the set of geolocation data. The apparatus is also configured to determine that the identified street address is associated with an entity. The apparatus then calculates a confidence interval as to whether that entity is the type of entity that uses a card reader. The apparatus is further configured to determine that the confidence interval exceeds a threshold. The apparatus is also configured to determine an identifier of the entity. Further, the apparatus is configured to publish an alert to a data feed.
    Type: Grant
    Filed: September 25, 2020
    Date of Patent: October 10, 2023
    Assignee: Bank of America Corporation
    Inventors: Neal Aaron Slensker, Geoffrey George Aslaksen, Richard Martin Seymour Scot
  • Patent number: 11715108
    Abstract: A computer system includes a processor programmed to process a first web page to identify a hyperlink contained thereon. The hyperlink includes a link to a second web page. The processor performs natural language processing on the first web page to determine one or more context word tokens and on the second web page to determine a context of the second web page. The processor also applies a context relevant tag to the hyperlink to generate a tagged hyperlink. The processor maps at least one of the context word tokens to the context relevant tag applied to the hyperlink and generates a transaction score for the tagged hyperlink.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: August 1, 2023
    Inventors: Sachin Kumar Singh, Kaushal Naveen Shetty, Venkata Satya Sivajee Pinnamaneni
  • Patent number: 11663655
    Abstract: Disclosed embodiments include systems and methods for improving the accuracy of online banking systems. In various embodiments, the system includes a user device capturing receipt information from one or more e-commerce application and a server device for associating captured receipt information with transaction data. The system may include a browser extension for facilitating automatic capture of receipt information and a matching module for associating receipt information with transaction data. In various embodiments, transactions displayed in transaction statements within an online banking application are augmented with item level data including product name, price, and vendor for each product included in a transaction.
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: May 30, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Adam Vukich
  • Patent number: 11636548
    Abstract: A method, apparatus and computer program product are provided for providing a patient with prescribed medication cost information at a point of prescribing. A prescription benefit coverage inquiry is received and provided to a claims processor for processing. Historical data associated with prior prescription transactions is utilized to determine an estimated cost range of a prescribed medication in the event of an insufficient or absent response from a benefits manager. The estimated cost range is then provided to a prescriber to share with a patient. A targeted out-of-pocket cost according to incentives, such as vouchers and drug manufacturer rebates may also be provided.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: April 25, 2023
    Assignee: MCKESSON CORPORATION
    Inventors: Stacy Hopkins, Scott Genone, Mark Beers
  • Patent number: 11625699
    Abstract: A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive a transaction request associated with a payment card. The transaction request includes a transaction amount. The processing circuit is further configured to determine that the transaction amount would cause a violation of a daily spending limit associated with the payment card. The payment card includes a smart chip. The processing circuit is additionally configured to apply an adaptive daily spending limit (ADSL) override of the daily spending limit based at least in part on a determination that the transaction request originated from the payment card having the smart chip, and approve the transaction request based on the ADSL application.
    Type: Grant
    Filed: November 20, 2017
    Date of Patent: April 11, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: James Adkins
  • Patent number: 11562344
    Abstract: The invention relates to a data processing method based on NFC tag. The method comprises: reading the NFC tag, the NFC tag comprising tag content and tag ID; generating an NFC tag payment request based on the tag content and tag ID; parsing the NFC tag payment request and obtaining an parsing reply to the NFC tag payment request; generating an order generation request based on the parsing reply, wherein the order generation request is for causing an order to be generated based on first account information, current transaction information and second account information; generating the order based on the order generation request; and payment step for performing payment based on the order. According to embodiments of the invention, the payment process can be simplified, also, there is no need to set the NFC-specific reading device in the embodiments of the invention, and the cost of merchants can be reduced.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: January 24, 2023
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Zhijun Lu, Haijian Jiang, Gang Liu, Jinren Lin, Hua Cai, Zheng Zhang, Kewei Jin, Qin Xia
  • Patent number: 11562437
    Abstract: A method, apparatus and computer program product are provided for providing a patient with prescribed medication cost information at a point of prescribing. A prescription benefit coverage inquiry is received and provided to a claims processor for processing. Historical data associated with prior prescription transactions is utilized to determine an estimated cost range of a prescribed medication in the event of an insufficient or absent response from a benefits manager. The estimated cost range is then provided to a prescriber to share with a patient.
    Type: Grant
    Filed: June 26, 2019
    Date of Patent: January 24, 2023
    Assignee: MCKESSON CORPORATION
    Inventors: Stacy Hopkins, Mark Beers
  • Patent number: 11556995
    Abstract: Methods and systems for assessing property based on predictive analytics techniques that use external data are described herein. A server may identify a reference set of information for a reference property evaluated with a reference risk score in accordance with a risk score rule that meets a predetermined threshold. The server may obtain an external data file from an external data source, wherein the external data file includes an external set of information for a prospective property. The server may compare the reference set of information with the external set of information to identify a common feature, condition, or attribute, and if identified, may evaluate the prospective property by determining a predicted risk score based on the external set of information in accordance with the risk score rule. If the predicted risk score is determined to meet the threshold, the server may indicate the prospective property as pre-approved.
    Type: Grant
    Filed: October 17, 2018
    Date of Patent: January 17, 2023
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Rebecca A. Little, Bryan R. Nussbaum, Deanna L. Stockweather, Nathan C. Summers, An Ho, Vicki King
  • Patent number: 11526894
    Abstract: Systems and methods for universal item returns. A universal returns systems allows a user the ability to return an item via a distribution network whether the item was purchased at a retail location, delivered by the distribution network, or delivered by another entity. The universal returns system comprises a user interface a return request. Based on the return request, the system obtains transaction information, provides a return code, and allows scheduling item pick-up.
    Type: Grant
    Filed: June 25, 2019
    Date of Patent: December 13, 2022
    Assignee: United States Postal Service
    Inventors: Peter Jay Klausner, Robert E. Dixon, Jr.
  • Patent number: 11521197
    Abstract: Apparatus and methods for a payment instrument are provided. The apparatus may include a primary chip positioned on an outer face of the payment instrument and a power source. The apparatus may include a first supplementary chip, a second supplementary chip, and a third supplementary chip. Each of the first, second and third supplementary chips may be positioned within a thickness of the payment instrument and configured to draw power from the power source.
    Type: Grant
    Filed: February 11, 2021
    Date of Patent: December 6, 2022
    Assignee: Bank of America Corporation
    Inventors: Rama Rao Gaddam, Shailendra Singh, Sandeep Kumar Chauhan
  • Patent number: 11521186
    Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.
    Type: Grant
    Filed: August 21, 2018
    Date of Patent: December 6, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
  • Patent number: 11494758
    Abstract: There is provided a wireless communication device that includes a communication unit that performs wireless communication with a connection device, and a control unit that encrypts a wireless communication channel with the connection device on the basis of a digital certificate issued by a certificate authority server. The communication unit receives payment information and a valid type of payment from the connection device via the encrypted wireless communication channel. The control unit determines a payment server on the basis of the valid type of payment and causes the communication unit to transmit a payment request based on the payment information to the payment server.
    Type: Grant
    Filed: August 2, 2017
    Date of Patent: November 8, 2022
    Assignee: FELICA NETWORKS, INC.
    Inventors: Shuichi Sekiya, Minako Takahashi, Shintaro Inoue
  • Patent number: 11455635
    Abstract: A method for enrolling a holder of a biometric transaction device includes the following step: storing at least one biometric pattern in the device. The method further includes the following steps: a) providing the holder with a portable, mobile power connector, configured to trigger the storing; b) and/or activating the biometric pattern, the activation being carried out in response to or in association with a successful authentication of the holder. A corresponding system is also enclosed.
    Type: Grant
    Filed: May 13, 2019
    Date of Patent: September 27, 2022
    Assignee: THALES DIS FRANCE SAS
    Inventors: Pierre Souchon, Laurent Leloup, Frédéric Martinez
  • Patent number: 11416863
    Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to receive a request from a user device to initiate an electronic transaction to a beneficiary, identify a risk associated with the beneficiary, calculate a risk score for the electronic transaction based on the risk, transmit a notification to the user device, wherein the notification causes display of one or more mitigation activities for reducing the risk, receive data from the user device associated with the one or more mitigation activities, compare the data with information corresponding to the beneficiary stored in a data store, recalculate the risk score based on the comparison, and transmit an electrical signal to the user device to cause the display of a result of the recalculation.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: August 16, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kelley A. Chamberlain, David J. Dietrich, Michael Knorr, Robert L. Kosicki, Valeria J. Gray-Lindsey, Duane F. Lindquist, Michael Mangieri, Maria V. Marmolejos, Jacqueline A. Monteferrario, Yonesy F. Nunez, Leonard J. Valentino
  • Patent number: 11295383
    Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.
    Type: Grant
    Filed: September 4, 2019
    Date of Patent: April 5, 2022
    Assignee: Nasdaq Technology AB
    Inventor: Kandan Venkataraman