Patents Examined by Chikaodinaka Ojiaku
  • Patent number: 10242351
    Abstract: Methods, systems, and computer program products for a digital wallet for a group of people. A group of customers may gather for an event, e.g., a party, in which each person in the group may purchase goods or services on behalf of the group from a merchant. A customer device executing a digital wallet application program acts like a wallet for the entire group. The customer device creates group tab. The customer device associates images of each person in the group to the group tab, and submits information on the group, including the images, to a merchant device operated by the merchant. The merchant device opens the group tab for managing purchases related to the group. At the end of the event, upon receiving an input to close the tab, the customer device can receive a single bill including a total amount, and divide the total amount among people in the group.
    Type: Grant
    Filed: November 1, 2017
    Date of Patent: March 26, 2019
    Assignee: SQUARE, INC.
    Inventors: Mathew Wilson, Nicholas Dower, Shawn Morel
  • Patent number: 10229461
    Abstract: Embodiments are provided for determining driving behavior. In an example method for determining driver behavior from a driving session, the method includes obtaining sensor data from a sensor during a driving session, obtaining image data from an imaging device during the driving session, and analyzing at least one of the sensor data and the image data from the driving session, to identify an event of interest. The method further includes assigning a classification to the event of interest according to a correlation between the sensor data for the event of interest and at least one image from the image data for the event of interest, the correlation based on time the sensor data and the image data is obtained during the driving session, and, wherein the at least one image for the event of interest provides the context for the event of interest.
    Type: Grant
    Filed: January 5, 2015
    Date of Patent: March 12, 2019
    Assignee: Harman International Industries, Incorporated
    Inventors: Ohad Akiva, Alon Atsmon, Dan Atsmon
  • Patent number: 10217171
    Abstract: According to some embodiments, a communication may be received from a customer in connection with an insurance policy. A system may then transmit, to a service representative device, data associated with an insurance knowledge management enterprise portal displaying information to facilitate interaction with the customer. A type of insurance event associated with the communication from the customer may be determined, and customized data associated with the insurance knowledge management enterprise portal may be transmitted to the service representative device, the customized data being based at least in part on the type of insurance event associated with the communication from the customer.
    Type: Grant
    Filed: December 15, 2014
    Date of Patent: February 26, 2019
    Assignee: Hartford Fire Insurance Company
    Inventors: Mark Richard Wagner, Sandra J. Stevens, Belinda A. Lellock, Anthony Jason Ma'luf, Kurt E. Grashaw
  • Patent number: 10185959
    Abstract: A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. The includes: for each user, a respective threshold for enabling funds to be pulled automatically from the funding source of said user. The electronic shared payment pool is created based on the respective funding sources and the policy. A detection is made that a user is requesting to use the electronic shared payment pool to pay for a prospective transaction. In response to the detection, funds are pulled from the funding sources into the electronic shared payment pool. The funds are pulled automatically without requiring an approval from each of the users as long as the pulled amount is below the threshold for that user. The prospective transaction is facilitated using the electronic shared payment pool.
    Type: Grant
    Filed: February 20, 2018
    Date of Patent: January 22, 2019
    Assignee: PAYPAL, INC.
    Inventors: Firat S. Atagun, Gopi Krishna, Srinivasan Raman
  • Patent number: 10134092
    Abstract: A method and system may assess the damage to insured properties in a neighborhood using aerial images captured from an unmanned aerial vehicle (UAV) or from a satellite device. The neighborhood may be selected by identifying a neighborhood affected by a catastrophe and having a large concentration of properties which are insured by a particular insurance provider. Aerial images of the entire neighborhood may then be captured and received from the UAV or the satellite device. For each insured property in the neighborhood, a condition and the extent and/or severity of the damage may be automatically determined based on the received aerial images. The aerial images along with indications of the extent of the damage may be displayed.
    Type: Grant
    Filed: October 9, 2014
    Date of Patent: November 20, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian N. Harvey, Nathan L. Tofte, Roger D. Schmidgall, Michael Jeffrey Aviles, Kyle Pott, Rosemarie Geier Grant, Michael Shawn Jacob
  • Patent number: 10121126
    Abstract: A digital currency account stabilization system for maintaining valuation of a digital currency account balance against a reference currency. The digital currency account balance is maintained in a currency account and has an initial value. Hedging positions are opened to maintain the valuation of the currency account at the initial value. When the valuation of the digital currency fluctuates, digital currency is added or deducted from the currency account to maintain the initial value.
    Type: Grant
    Filed: July 15, 2014
    Date of Patent: November 6, 2018
    Inventor: Eric Lamison-White
  • Patent number: 10115079
    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: April 26, 2017
    Date of Patent: October 30, 2018
    Assignee: ConsumerInfo.com, Inc.
    Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
  • Patent number: 10115155
    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: September 14, 2017
    Date of Patent: October 30, 2018
    Assignee: EXPERIAN INFORMATION SOLUTION, INC.
    Inventors: Eric Haller, Kelly Kent
  • Patent number: 10108950
    Abstract: Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account based on at least one selection received from the device, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user over the network and receives a response from the invited user to the at least one invitation via the network, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account so that the group fund account may fund the first account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund accoun
    Type: Grant
    Filed: August 12, 2015
    Date of Patent: October 23, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Christopher Wetzel, Daniel Beck, Paul Young Moreton
  • Patent number: 10055727
    Abstract: Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.
    Type: Grant
    Filed: November 5, 2013
    Date of Patent: August 21, 2018
    Assignee: mFoundry, Inc.
    Inventor: Rodney Aiglstorfer
  • Patent number: 10032157
    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: September 19, 2017
    Date of Patent: July 24, 2018
    Assignee: Visa U.S.A. Inc.
    Inventors: Gavin Shenker, David Wentker, Douglas Deibert, Erick Wong
  • Patent number: 10026120
    Abstract: In an electronic supply chain finance system, a method of enabling a supplier to obtain funds includes receiving information from a buyer defining a payment obligation, receiving an offer to sell the payment obligation, and providing electronic instructions to print a negotiable instrument issued by the buyer, to the supplier as payee, having a payable date based on a maturity date of the payment obligation and a payment value based on a payment amount of the payment obligation.
    Type: Grant
    Filed: January 4, 2013
    Date of Patent: July 17, 2018
    Assignee: PrimeRevenue, Inc.
    Inventor: David W. Quillian
  • Patent number: 10002350
    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: September 25, 2017
    Date of Patent: June 19, 2018
    Assignee: ACCUMULATE AB
    Inventors: Stefan Hultberg, Magnus Westling
  • Patent number: 9990673
    Abstract: The present disclosure provides universal payment module systems and methods for mobile computing devices that include a universal payment module and an associated adapter device for coupling the universal payment module to any of a plurality of mobile computing devices. The present disclosure utilizes a common payment module which can interface multiple mobile computers with differing form factors via a snap-on sled. Advantageously, the present invention allows the leveraging of one payment module for many mobile computers. The single payment module includes various special payment security mechanisms via mechanical, electrical, and software mechanisms. The present disclosure enables design, standardization, and production of one single common, universal payment module for a plurality of mobile computer devices instead of one specific payment module for each form factor of the plurality of mobile computer devices.
    Type: Grant
    Filed: May 3, 2010
    Date of Patent: June 5, 2018
    Assignee: Symbol Technologies, LLC
    Inventors: Chris Kayser, Chris Ciervo, Jeff Weissman
  • Patent number: 9985793
    Abstract: A system for detecting and charging for internet connection provided to a computer device, the computer device configured to detect any internet connection available comprising an internet access adjustment facilitator arranged to receive requests for prepaid internet connection access from the computer device; and capable of facilitating the linking of the computer device to a designated prepaid internet account for purposes of charging; wherein upon detection by the software that the internet connection is a prepaid internet connection, access and caching of any Internet content will be chargeable to a designated prepaid internet account from the at least one prepaid internet account; and upon detecting that the internet connection is any other type of internet connection, the computer device caches any Internet content accessed by the user for synchronization with other computer devices in the system linked to the designated prepaid account.
    Type: Grant
    Filed: November 23, 2012
    Date of Patent: May 29, 2018
    Assignee: Chikka Pte Ltd
    Inventor: Dennis Mendiola
  • Patent number: 9965750
    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: October 20, 2017
    Date of Patent: May 8, 2018
    Assignee: ISLAND INTELLECTUAL PROPERTY, LLC
    Inventors: Bruce R. Bent, II, Charles R. Buarque de Macedo
  • Patent number: 9934505
    Abstract: A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. The includes: for each user, a respective threshold for enabling funds to be pulled automatically from the funding source of said user. The electronic shared payment pool is created based on the respective funding sources and the policy. A detection is made that a user is requesting to use the electronic shared payment pool to pay for a prospective transaction. In response to the detection, funds are pulled from the funding sources into the electronic shared payment pool. The funds are pulled automatically without requiring an approval from each of the users as long as the pulled amount is below the threshold for that user. The prospective transaction is facilitated using the electronic shared payment pool.
    Type: Grant
    Filed: May 23, 2016
    Date of Patent: April 3, 2018
    Assignee: PAYPAL, INC.
    Inventors: Firat S. Atagun, Gopi Krishna, Srinivasan Raman