Patents Examined by Chika Ojiaku
  • Patent number: 9904914
    Abstract: Systems, methods, and program products for performing cash sweep transactions with customer control are disclosed. A deposit sweep computer system may determine first allocations of funds for a plurality of customers. The system may determine for a first subset of the customers that their funds are allocated to respective different depository institutions than previously used for the respective customer. The system may generate and transmit to client devices associated with the first subset of customers machine-readable instructions to render respective destination institution management graphical user interfaces providing an indication of the respective different depository institutions along with accept options and reject options. The system may receive one or more selections of accept options or reject options. The system may then determine and execute second allocations based at least in part upon the first allocations and the one or more selections of the reject options.
    Type: Grant
    Filed: September 7, 2017
    Date of Patent: February 27, 2018
    Assignee: ISLAND INTELLECTUAL PROPERTY, LLC
    Inventors: Bruce R. Bent, II, Charles R. Buarque de Macedo
  • Patent number: 9881131
    Abstract: Devices, systems, methods and arrangements are implemented in variety of manners. In a specific instance, a computer arrangement implements the following operations for a transaction involving a plurality of merchant offerings that are parseable by merchant offering identifiers. For a plurality of identified buyer accounts from which monetary payables (e.g., cash, credit and/or debit limits) are tracked, stored data sets are accessed that are indicative of types of merchant offerings to be associated with particular ones of the plurality of buyer accounts. Payment is facilitated for the items as a function of at least one of the plurality of buyer accounts. Payment is tracked for the items as a function of the merchant offering identifiers.
    Type: Grant
    Filed: April 4, 2016
    Date of Patent: January 30, 2018
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 9863392
    Abstract: A system for providing driving insurance for an individual driver may comprise at least one subsystem implemented on one or more computing systems configured for electronically calculating a risk of insuring a driver for liability arising from a vehicle accident regardless of any specific vehicle driven by the driver during the accident, at least one subsystem implemented on one or more computing systems configured for electronically and automatically calculating an insurance premium rate based on the previously calculated risk, and at least one subsystem implemented on one or more computing systems configured for electronically preparing an insurance policy according to the calculated premium rate wherein the insurance policy provides liability vehicle insurance covering the driver regardless of any specific vehicle driven by the driver during an accident.
    Type: Grant
    Filed: April 10, 2017
    Date of Patent: January 9, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Robert Lance Tucker, Bradly Jay Billman
  • Patent number: 9858571
    Abstract: Computer systems and methods for identifying a potentially fraudulent payment card transaction in progress, and mitigating losses arising from completion of a fraudulent payment card transaction are provided. The computer system is programmed to receive an authorization request message for authorization of a payment card-initiated transaction, when the transaction is initiated using a payment card that includes a first security device operable for transactions initiated within a predefined geographic region and a second security device operable for transactions initiated both within the predefined geographic region and outside of the predefined geographic region.
    Type: Grant
    Filed: January 2, 2013
    Date of Patent: January 2, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Frederick Michael Pacher, Craig Robert Dinsmore, Eoin Patrick Flood, Mikhail Blinov
  • Patent number: 9843587
    Abstract: A computer system manages role-based digital rights by creating a chain of trust that originates with a user who purports to act as a registration authority whose status can be verified to ascertain that the user is licensed to act as the registration authority. The registration authority creates an organization account and a first member whose status is verified by consulting a status verification server. Derivative authorities granted to members are predicated on the first member and ultimately the registration authority to ensure that there is a chain of trust linking each member of an organization back to the registration authority.
    Type: Grant
    Filed: July 17, 2013
    Date of Patent: December 12, 2017
    Assignee: Clawd Technologies Inc.
    Inventors: Sebastien Meunier, Pierre Belisle, Guy Dartigues
  • Patent number: 9811823
    Abstract: A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.
    Type: Grant
    Filed: March 16, 2017
    Date of Patent: November 7, 2017
    Assignee: Visa U.S.A. Inc.
    Inventors: Gavin Shenker, David Wentker, Douglas Deibert, Erick Wong
  • Patent number: 9805344
    Abstract: Systems, methods, and program products for performing cash sweep transactions with customer control are disclosed. A deposit sweep computer system may determine first allocations of funds for a plurality of customers. The system may determine for a first subset of the customers that their funds are allocated to respective different depository institutions than previously used for the respective customer. The system may generate and transmit to client devices associated with the first subset of customers machine-readable instructions to render respective destination institution management graphical user interfaces providing an indication of the respective different depository institutions along with accept options and reject options. The system may receive one or more selections of accept options or reject options. The system may then determine and execute second allocations based at least in part upon the first allocations and the one or more selections of the reject options.
    Type: Grant
    Filed: November 5, 2015
    Date of Patent: October 31, 2017
    Assignee: ISLAND INTELLECTUAL PROPERTY, LLC
    Inventors: Bruce R. Bent, II, Charles R. Buarque de Macedo
  • Patent number: 9792648
    Abstract: The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
    Type: Grant
    Filed: November 4, 2016
    Date of Patent: October 17, 2017
    Assignee: Experian Information Solutions, Inc.
    Inventors: Eric Haller, Kelly Kent
  • Patent number: 9773239
    Abstract: The present invention relates to a method for a secure transaction utilizing a portable radio communication device (10), wherein both parts in the secure transaction are protected against fraudulent actions, among other things by use of a common transaction identity on a predefined transaction server.
    Type: Grant
    Filed: December 4, 2008
    Date of Patent: September 26, 2017
    Assignee: ACCUMULATE AB
    Inventors: Stefan Hultberg, Magnus Westling
  • Patent number: 9767443
    Abstract: A method and apparatus for timing a notification of an online financial event are disclosed. A sender initiates a financial transaction involving a recipient, such as a transfer payment to the recipient, by sending a message to the recipient and a computer system. The computer system obtains contact information for the sender and recipient from the message, and determines that the financial transaction cannot be completed without additional information from, e.g., the sender. The computer system sends a message to the sender requesting the additional information, and determines a period of time to wait before notifying the recipient that the transfer payment was initiated. If the period of time expires without the sender providing the additional information, the computer system sends the notification message. However, if the sender responds within the period of time, no notification message is sent, thereby avoiding the sending of a potentially unnecessary message.
    Type: Grant
    Filed: May 13, 2014
    Date of Patent: September 19, 2017
    Assignee: Square, Inc.
    Inventors: Jesse Wilson, Brian Grassandonia, Matthew Rhodes
  • Patent number: 9704200
    Abstract: Systems and methods for implementing itemization systems with automated photography are disclosed. An itemization task may include an itemization process and a photography process that uses a first camera set to a first field of view and a second camera set to a second field of view to take a first and second photo of an item undergoing itemization. The first and second cameras automatically take photos of the item based on user input during an itemization process. The first and second cameras remain stationary and do not require repositioning or refocusing when a new item is itemized. The itemization process may be performed using 10-key input.
    Type: Grant
    Filed: September 16, 2013
    Date of Patent: July 11, 2017
    Inventor: John Charles Horst
  • Patent number: 9665854
    Abstract: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.
    Type: Grant
    Filed: June 15, 2012
    Date of Patent: May 30, 2017
    Assignee: ConsumerInfo.com, Inc.
    Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
  • Patent number: 9647855
    Abstract: A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.
    Type: Grant
    Filed: January 9, 2008
    Date of Patent: May 9, 2017
    Assignee: Visa U.S.A. Inc.
    Inventors: Doug Deibert, Erick Wong, Gavin Shenker, David Wentker
  • Patent number: 9616849
    Abstract: A system for providing driving insurance for an individual driver may comprise at least one subsystem implemented on one or more computing systems configured for electronically calculating a risk of insuring a driver for liability arising from a vehicle accident regardless of any specific vehicle driven by the driver during the accident, at least one subsystem implemented on one or more computing systems configured for electronically and automatically calculating an insurance premium rate based on the previously calculated risk, and at least one subsystem implemented on one or more computing systems configured for electronically preparing an insurance policy according to the calculated premium rate wherein the insurance policy provides liability vehicle insurance covering the driver regardless of any specific vehicle driven by the driver during an accident.
    Type: Grant
    Filed: June 26, 2009
    Date of Patent: April 11, 2017
    Assignee: United Services Automobile Association
    Inventors: Robert Lance Tucker, Bradly Jay Billman
  • Patent number: 9489694
    Abstract: The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: November 8, 2016
    Assignee: Experian Information Solutions, Inc.
    Inventors: Eric Haller, Kelly Kent
  • Patent number: 9256904
    Abstract: The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.
    Type: Grant
    Filed: August 14, 2009
    Date of Patent: February 9, 2016
    Assignee: Experian Information Solutions, Inc.
    Inventors: Eric Haller, Kelly Kent
  • Patent number: 8799092
    Abstract: Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but cannot, due to insufficient funds in the Prepaid Account. The system then determines whether the Account is eligible to receive a Facilitation according to predetermined criteria and, if so, either (1) automatically authorizes the transaction to be completed based on a Facilitation amount, subsequently recorded by the system to satisfy the insufficiency, or (2) instantly communicates to the User an offer to do so, and if the User accepts the offer, authorizes the transaction and records the Facilitation amount. The transaction can then be completed without significant interruption. A mechanism is provided such that on the next Topping-Up event(s) of the User's Account, the Facilitation amount is debited from the User's Account for return to the Facilitator.
    Type: Grant
    Filed: December 10, 2010
    Date of Patent: August 5, 2014
    Assignee: Zonamovil, Inc.
    Inventors: Felipe Valdes, Olav Carlsen
  • Patent number: 8751351
    Abstract: Systems and methods for a financial institution to compile information regarding customer loans and items/assets securing the loans to create an environment in which troubled debtors may place an asset into a pool of assets for resale/exchange and to be released of obligations to repay the loan associated with the asset. In some implementations, a customer may replace the asset with another asset in the pool, where the replacement asset imposes a reduced (or no) obligation on the debtor. The pool of assets may include real estate, automobiles, major electronics, major appliances, artwork, etc. In some implementations, the financial services provider may be able to place an asset into the pool of goods before it becomes damaged, destroyed or goes missing by modeling customer behavior and anticipating a pending default on a loan.
    Type: Grant
    Filed: June 11, 2009
    Date of Patent: June 10, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Arthur Quentin Smith, Bradly Jay Billman
  • Patent number: 8732055
    Abstract: A computing device of a user, including a processor, a memory, an electronic organization application comprising software instructions stored in memory and executed on the processor to store a plurality of activities associated with the user, and a rewind application configured to interact with the electronic organization application and including software instructions stored in memory and executed on the processor to present at least one question associated with each of the plurality of activities stored in the electronic organization application, receive a response to the at least one question, determine whether each of the plurality of activities is of a predetermined category based on the response received to obtain a subset of the plurality of activities, and store, in a repository, data associated with the subset of the plurality of activities for use in a financial application.
    Type: Grant
    Filed: November 21, 2008
    Date of Patent: May 20, 2014
    Assignee: Intuit Inc.
    Inventors: Vidya Dinamani, Richard N. Preece, David D. Taylor, Keith A. Greener, Alan Tifford
  • Patent number: 8732065
    Abstract: An electronic system and method to enable a market participant to identify potential trading counterparties while avoiding disadvantages associated with disclosure of the participant's trading intentions. In one embodiment, the system provides camouflage items that disguise the intent of a participant to trade an initial item. Camouflage items differ from the initial item but share with the initial item one or more attributes, e.g. a market, risk profile, price range, or other characteristic of the original item. Camouflage items are combined with the original item in a unified notification to prospective counterparties, so as to reduce the ability of the prospective counterparties to determine the trading intentions of the original participant.
    Type: Grant
    Filed: July 22, 2011
    Date of Patent: May 20, 2014
    Assignee: Finalta, Inc.
    Inventor: Michael Francis Hayes, Jr.