Patents Examined by Charles Kyle
  • Patent number: 8914305
    Abstract: Embodiments for motion based target prediction and interaction are described herein. One example embodiment includes predicting a target element based on a user moving a cursor in relation to a trading interface. When a target element is identified, one or more actions may be pre-configured based on the target element. For example, when a target element is associated with a buy action and a price, an order message to buy a tradeable object at the price may be generated based on the predicted target element. Then, a user action may be received to select the target element and to execute the action. The user action selecting the target element may be received prior to the cursor reaching the desired target.
    Type: Grant
    Filed: June 30, 2010
    Date of Patent: December 16, 2014
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 8781931
    Abstract: A computer system, computer-implemented method, and program product for managing a plurality of client transaction accounts associated with a plurality of respective clients for a plurality of transactions, the system comprising: one or more configured to perform the steps: administering clients' deposits/transfers to and withdrawals/transfers from client transaction accounts; performing the following steps for each client transaction account, i, of a plurality of client transaction accounts: determining a client available deposit amount, Di, comprising funds to be distributed over Ni respective banks in the program; determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the respective client available deposit amount, Di, calculating, for each bank of a plurality of the bank
    Type: Grant
    Filed: December 15, 2009
    Date of Patent: July 15, 2014
    Assignee: Island Intellectual Property LLC
    Inventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
  • Patent number: 8751344
    Abstract: Processes and products according to embodiments of the invention include video games with the possibility to obtain funding, such as through venture capital or the issuance of private shares among player characters.
    Type: Grant
    Filed: March 16, 2010
    Date of Patent: June 10, 2014
    Assignee: Leviathan Entertainment, LLC
    Inventor: Andrew Van Luchene
  • Patent number: 8732090
    Abstract: Managing spend compliance may include receiving a set of spend transaction records containing one or more spend attributes, one or more compliance business rules and one or more investment scenarios that increase spend compliance. The compliance business rules may be applied to the transaction records and segments of transactions with predetermined high savings opportunities may be determined. A prioritized investment plan over one or more time periods that yield optimized return on investment may be generated based on applying the segments of transactions and the investment scenarios.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: May 20, 2014
    Assignee: International Business Machines Corporation
    Inventors: Pawan R. Chowdhary, Amit Dhurandhar, Markus R. Ettl, Soumyadip Ghosh, Bruce C. Graves, William S. Schaefer, Karthik Sourirajan, Yu Tang
  • Patent number: 8688559
    Abstract: Methods, systems, computer programs are described that provide for presenting investment-related information in conjunction with display of a live video stream that includes the related publicly traded or privately held business entity or an object associated with the business entity. Business entities or the objects associated with the business entities that are proximate to a mobile communication device may be identified via object recognition techniques, product codes, wireless communication, location determination or the like. Once the business entities or objects have been identified, the related investment information is retrieved and indicators are displayed in the live video stream proximate to the display of the business entity or an object associated with the business entity.
    Type: Grant
    Filed: January 1, 2012
    Date of Patent: April 1, 2014
    Assignee: Bank of America Corporation
    Inventors: Matthew A. Calman, Erik Stephen Ross, Alfred Hamilton
  • Patent number: 8671070
    Abstract: In one example, when a user reads content on a web browser, the content may contain information about companies, and may suggest, to the user, various financial transactions to be performed with respect to those companies. For example, the user may want to react to financial news about a company by buying or selling stock in the company. A software component (e.g., a browser plug-in) may be used to evaluate content that the user is reading, and to display a user interface that allows the user to perform financial transactions based on the content. For example, if the user reads a news article about a company, the software component may display an interface that shows the ticker symbol of the company's stock and allows the user to initiate a transaction to buy or sell that stock.
    Type: Grant
    Filed: March 4, 2009
    Date of Patent: March 11, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventor: Teddy Joseph Edmund Voutour
  • Patent number: 8671046
    Abstract: A system for buying and selling click-through traffic from a seller's web site employs an intermediary web site for conducting a multi-buyer pre-bidding trial of click through traffic so that a plurality of interested buyers can see for themselves what level and quality of traffic is generated to their webs sites. The trial is conducted with each buyer in turn during a trial period prior to opening bidding by the interested buyers for click through traffic from the seller's web site. The trial is conducted by placing a trial link on the seller's web site to the intermediary web site which links to each buyer's web site in turn during the trial period. The intermediary web site measures the click-through traffic during the trial process, so that the participating buyers are informed in real time of the actual performance of click-through traffic.
    Type: Grant
    Filed: March 7, 2002
    Date of Patent: March 11, 2014
    Inventors: Miodrag Kostic, Guy Vandevelde
  • Patent number: 8666870
    Abstract: Methods and systems for supply chain management in accordance with a state model. A supply chain management system includes a transaction state module within an inter-enterprise server assessable by trading partners. The transaction state module can define a state model which allows a trading partner to view a transaction and perform an action in accordance with a state of the transaction. The state model describes, in association with each state, which of the trading partners have visibility to the transaction and ability to perform an action. The trading partners can include consumers, retailers, distributors, etc. The transactions can include a forecast order, a purchase order, a billing, a product shipment, a payment, an invoice, a credit memo, a request for quote (RFQ), and a return material authorization (RMA). States of the transaction can include, for example, create, open, public view, private view, publish, commit, cancel, supersede, and the like.
    Type: Grant
    Filed: March 8, 2006
    Date of Patent: March 4, 2014
    Assignee: JDA Software Group, Inc.
    Inventor: Dimitar Gueorguiev Kostov
  • Patent number: 8666890
    Abstract: A transaction account is disclosed that includes attributes of a checking or savings account in that, for example, an account holder earns interest on a positive balance in the account. The transaction account additionally includes attributes of a credit-card-type account in that the account holder owes interest on a negative balance in the account. With such an account having the positive and negative balance attributes of checking or savings accounts and of credit-card-like accounts, the account holder or customer may manage the account more efficiently than by maintaining multiple accounts. The financial institution may save costs resulting from the overhead associated with maintaining numerous accounts for the same customer. Finally, the financial institution may benefit from charging a credit-card-like transaction fee to merchants that accept the card even if the transaction results in a positive balance in the transaction account.
    Type: Grant
    Filed: December 20, 2006
    Date of Patent: March 4, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventor: Steven Dale Zettner
  • Patent number: 8660949
    Abstract: In accordance with aspects of the disclosure, a system and methods are provided for managing working capital by scheduling payments to be paid for accounts payable based on payments received for accounts receivable relative to one or more time intervals while maintaining a predetermined working capital reserve threshold. The systems and methods may include calculating accounts receivable patterns for each customer to determine a confidence level in receiving payments from each customer within the one or more time intervals, generating one or more potential payment schemes for each vendor, and generating a payment schedule for accounts payable for each vendor within the one or more time intervals based on the determined confidence level for each customer and the one or more potential payment schemes for each vendor while maintaining the predetermined working capital reserve threshold.
    Type: Grant
    Filed: January 18, 2012
    Date of Patent: February 25, 2014
    Assignee: SAP AG
    Inventors: Wen-Syan Li, Yu Cheng
  • Patent number: 8655718
    Abstract: A system for monetization of content includes a storage device for storage and retrieval of data, and a library of content and advertisements stored within the storage device. The library comprises an organizational structure for facilitating the storage and retrieval. The system also includes a monetization engine for identifying within the library a first content item having a first monetizable feature. The system is configured for selecting a second content item from several content items within the library, and associating the second content item to the first content item by using the first monetizable feature for presentation of the second content item in conjunction with the first content item. Further embodiments include various additional systems, methods, and computer readable media for implementation of the foregoing.
    Type: Grant
    Filed: December 18, 2007
    Date of Patent: February 18, 2014
    Assignee: Yahoo! Inc.
    Inventors: Athellina Athsani, Chris Higgins, Joseph O'Sullivan, Marc Davis, Ron Martinez
  • Patent number: 8650108
    Abstract: Systems and methods for prioritizing multiple funding requests within an enterprise are provided. Aspects of the invention may be used in enterprises where separate departments or groups within the enterprise have differing goals. It often is beneficial to ensure that funded projects within the various departments do not deviate from the enterprise's core goals, such that the enterprise suffers from profit erosion and/or an undue risk. In one aspect, novel methods provide a segment score to prioritize different projects in the context of the enterprise's risk, strategy, and finance goals. In another aspect, a computer-readable medium may be used to execute computer-readable instructions for prioritizing multiple projects in view of the enterprise's goals.
    Type: Grant
    Filed: July 29, 2008
    Date of Patent: February 11, 2014
    Assignee: Bank of America Corporation
    Inventors: Dorene S. Schram, Rena Lauren Murphy, Kathy L. Angell, Catharine Phillips Train, Robert James McDonald
  • Patent number: 8645197
    Abstract: The invention provides a method of facilitating contact between a consumer and a requesting entity, with the method comprising the following steps. During an interaction with the consumer, the method of the invention obtains contact information and index information from the consumer. The method then evaluates whether the consumer meets a selection criterion specified by the requesting entity using the indexing information. A data store entry associated with the consumer can be updated with the contact information. The contact information is then referred to the requesting entity thereby providing the requesting entity with up-to-date contact information.
    Type: Grant
    Filed: September 12, 2012
    Date of Patent: February 4, 2014
    Assignee: West Corporation
    Inventors: Michael A. Micek, Thomas B. Barker
  • Patent number: 8639617
    Abstract: Forecasting frequencies associated with future loss and loss distributions for individual risks associated with operating units, each which have a measurable liability exposure, is accomplished via independently operated liability risk drivers. The frequencies associated with future loss and loss distributions are also forecasted for an automated operation of a loss resolving unit via a control unit controller. When a loss occurs at a loss unit, measure parameters are measured and transmitted to the control unit controller. The control unit controller dynamically assigns the measure parameters to the liability risk drivers and tunes the operation of the loss resolving unit by resolving the loss via the loss resolving unit.
    Type: Grant
    Filed: December 2, 2011
    Date of Patent: January 28, 2014
    Assignee: Swiss Reinsurance Company, Ltd.
    Inventors: Filippo Salghetti, Salomon Billeter, Christophe Aebischer
  • Patent number: 8635101
    Abstract: A method for providing financial management and planning in an electronic device according to various exemplary embodiments can include using a faith-based rules database to determine a financial and life purposed plan for a user; draft a vision statement for the user based on the financial and life purposed plan; establish personal goals and priorities based on the vision statement for the user; compile financial statement and reports for the user based on financial data of the user; generate a stewardship evaluation report that provides an analysis of management of finances by the user based on faith-based financial management rules and the purposed plan; develop financial plans for the user based on results of the stewardship evaluation report; prepare a spending and savings plan for the user to facilitate the financial plans; and iteratively monitoring and revising the steps of determining, drafting, establishing, compiling, generating, developing and preparing financial plans.
    Type: Grant
    Filed: July 21, 2008
    Date of Patent: January 21, 2014
    Inventor: Daphne A. Wright
  • Patent number: 8626645
    Abstract: Some embodiments disclosed herein are directed to systems and methods for assessing mortgage lender and broker compliance. The systems and methods may receive loan pricing data, underwriting data, and/or borrower data from mortgage brokers and/or lenders, reconstruct the underwriting processes performed by lenders and brokers, and monitor many aspects of these processes. The reconstructed results may then be compared to the actual results to detect potential non-compliance of laws and/or regulations, including the practice of upstreaming and/or downstreaming. Because some embodiments of the invention greatly enhance the monitoring capability of mortgage regulators, they would motivate mortgage lenders and brokers to better conform their underwriting practice to existing laws and regulations.
    Type: Grant
    Filed: January 14, 2010
    Date of Patent: January 7, 2014
    Assignee: Mortagage Grader, Inc.
    Inventor: Jeffrey M. Lazerson
  • Patent number: 8600874
    Abstract: A technique involves providing an actual cost commitment and investing a retail value of the actual cost commitment to a student venture, and receiving a return on the retail value and a return on actual cost that is equal to the return on the retail value minus the actual cost commitment. A system constructed according to the technique may include an investment decision engine, a portfolio management engine, and a venture scholar fund operations engine. The system may further include, for example, an authentication engine and a public information engine.
    Type: Grant
    Filed: January 5, 2010
    Date of Patent: December 3, 2013
    Inventors: Michael K. Madison, II, Maya Madison
  • Patent number: 8600780
    Abstract: A system/method of determining a cost of workers compensation insurance for a selected period based upon monitoring, collecting and communicating data representative of a risk's payroll characteristics during said selected period, wherein the cost is adjustable by relating the payroll characteristics to predetermined actuarial rates. The system/method: determines an initial profile and a base cost of workers compensation insurance, monitors data elements representative of payroll and business status of a risk during the selected period; identifies and analyzes data elements that have a pre-identified relationship to the risk's insurability; consolidates the analyzed data elements for identifying a surcharge or discount to be applied to the base cost; and produces a final cost of workers compensation insurance for the selected period from the base cost.
    Type: Grant
    Filed: March 26, 2010
    Date of Patent: December 3, 2013
    Assignee: Guard Insurance Group
    Inventors: John H Richardson, Carl J Witkowski
  • Patent number: 8600864
    Abstract: The disclosed embodiments utilize hedge ratios to determine the optimal hedge ratio and associated scanning spread. This tells traders what ratios of the quantities of products they should have in their portfolio in order to maintain the status of the portfolios as delta neutral, i.e. be delta hedged, and receive optimal margin credits therefore.
    Type: Grant
    Filed: June 18, 2012
    Date of Patent: December 3, 2013
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Muhammed Hadi, Amy Stephan, Ketan Patel, Dmitriy Glinberg
  • Patent number: 8589272
    Abstract: A system and method are provided for facilitating the amending of syndicated loans. Authorized users are registered in connection with their respective funds invested in the loan. Fund registration data is received for each fund and includes the fund holding amount and whether the fund is of the single or dual signature type. Authorized users may vote supporting, opposing or conditional with regard to the proposed amendment. A calculation is performed to anticipate the voting outcome before the amendment deadline. If the amendment is anticipated to pass, the conditional votes are converted to supporting votes. Typical embodiments provide for an Internet-enabled interface through which authorized users may enter or change their vote while monitoring the real-time status of the amendment. Agents may be automatically provided fund consents for each fund ending up with a supporting vote in a passing amendment. Funds may be automatically notified of the consent fee earned.
    Type: Grant
    Filed: June 11, 2012
    Date of Patent: November 19, 2013
    Assignee: LendAmend LLC
    Inventors: Tejs Broberg, Ron Silverton, Matt Cornue, Brian Bentow