Patents Examined by Christopher Bridges
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Patent number: 11004055Abstract: A data processing apparatus for processing network data transmitted from a plurality of remote, distributed terminal devices, comprising: a logic processing device that: accesses, over one or more distributed networks, instructions that define initialization of a process of determining multi-user network sources and that specify to allocate one or more portions of a virtual record among the multi-user network sources by automatically simulating a digital exchange process in which the data processing apparatus is a receiving source to receive at least one of the one or more portions by a processing network.Type: GrantFiled: February 26, 2018Date of Patent: May 11, 2021Assignee: TAB SOLUTIONS, LLCInventors: Paul Raynor Cheek, Robert Philip Ianelli
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Patent number: 10991045Abstract: Computer-implemented methods, non-transitory, computer-readable media, and computer-implemented systems for blockchain-based payment settlement are provided. A payment settlement request transaction of a payee system whose certificate has been stored on a blockchain is monitored. A target payment transaction is obtained that corresponds to the last node of a payment transaction linked list comprising payment transactions whose certificates have been stored on the blockchain in a payment order. A target payment write-off transaction is obtained that corresponds to the last node of a payment write-off transaction linked list comprising payment write-off transactions whose certificates have been stored on the blockchain in a payment write-off order.Type: GrantFiled: February 27, 2020Date of Patent: April 27, 2021Assignee: Advanced New Technologies Co., Ltd.Inventors: Xu Wang, Zhaolin Feng
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Patent number: 10977734Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for conducting collaborative real-time inspections of insured properties. The system may include several workstations, each operated by a different user with a respective role in processing an insurance claim. The system also may include a server system configured to receive an indication of an insured property to be inspected by users at the workstations using an unmanned aerial vehicle (UAV) configured to collect aerial imagery, provide, substantially in real time during an inspection session, aerial imagery of the insured property to each of the workstations, receive, substantially in real time during the inspection session, information related to the insured property being inspected from the workstations, and generate a database record descriptive of the inspection session. The aerial imagery may be used to verify dimensions of insured homes or estimate home damage resulting from fire, wind, hail, water, or hurricanes.Type: GrantFiled: May 25, 2016Date of Patent: April 13, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: Stuart D. Kenney
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Patent number: 10970687Abstract: A method and system for facilitating, via a first device, an electronic financial transaction with a second device having limited network connectivity. The method includes the first device detecting initiation of a financial transaction with the second device. The financial transaction is remotely processed by a transaction service. The method further includes facilitating an establishment of a data pipe that directly connects the first device and the second device to enable the second device to exchange transaction data with the transaction service, via the first device operating as an intermediary device. In response to the data pipe being established, the first device routes, via the primary connection to the transaction service, all transaction data received from the second device over the data pipe.Type: GrantFiled: May 26, 2016Date of Patent: April 6, 2021Assignee: Motorola Mobility LLCInventors: Amit Kumar Agrawal, Vishal Patil
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Patent number: 10970779Abstract: Systems and methods for permitting a buyer of a mobile home to apply for a mortgage by taking digital photographs of documents with his or her mobile device are disclosed. The borrower's mobile device may include subsystems for processing the image, optimizing it, and converting the image into a file type that may be acceptable by a lender. A loan facilitation platform performs additional processing to determine whether the document may be deemed acceptable by a lender. If so, the processed documents may be sent to a lender. The systems and method disclosed herein improve the mortgage application review and approval process and bring greater transparency to it.Type: GrantFiled: September 10, 2018Date of Patent: April 6, 2021Assignee: Braustin Homes, Inc.Inventor: Alberto Brandon Pina
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Patent number: 10963963Abstract: A system comprises a rules engine that generates a hierarchical structure based upon investment data and a plurality of rules. Further, the system comprises a processing engine that performs one or more calculations on data stored by the hierarchical structured based upon the rules and generates a report based upon the one or more calculations.Type: GrantFiled: March 28, 2016Date of Patent: March 30, 2021Assignee: InvestCloud IncInventors: Robert Lynch, Reginald Tang, John W. Wise, Vicent Sos-Munoz
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Patent number: 10963860Abstract: A transaction record linked to photos taken within geographic or temporal proximity to the various transactions of the record may create a visual way for consumers to interact with their transaction data. Payment transaction data including a customer identifier, a first geo-location of a point-of-sale terminal, and a transaction time stamp may be compared against a second geo-location of a user device associated with the customer identifier. In response to the first geo-location being within a predetermined distance of the second geo-location, an image may be retrieved or created. Transaction records may then show the payment transaction data and the image.Type: GrantFiled: June 23, 2016Date of Patent: March 30, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Karla Reyes, Lawrence Ho, Leonardo Collado, Jaesung Park, Jinsheng Hu
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Patent number: 10949923Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. The data may be used to determine whether operation of the home device is within an acceptable range. If not, the user associated with the home device may receive an alert identifying a potential issue. One or more potential modifications to improve the home device may be identified and transmitted to the user. In some examples, an insurance incentive to implement the recommended modifications may also be transmitted to the user.Type: GrantFiled: September 16, 2013Date of Patent: March 16, 2021Assignee: Allstate Insurance CompanyInventors: David G. Veith, David J. Krug, Douglas Stafford
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Patent number: 10915964Abstract: Systems and methods are provided for encouraging and rewarding safe driving. A safe driving evaluation system determines the safe driving behaviors necessary to earn safe driving points. The safe driving evaluation system receives vehicle telematics data from a telematics device configured to obtain vehicle telematics data during the operation of a vehicle, and determines safe driving points based on the safe driving behaviors exhibited by the vehicle telematics data. Safe driving rewards are provided where the total number of safe driving points earned by a driver exceeds predefined thresholds. The safe driving rewards may be redeemed for discounts on products or vehicle services, or for fixed prices on gas. In addition, the safe driving points may be transferred to another individual for redemption.Type: GrantFiled: March 3, 2015Date of Patent: February 9, 2021Assignee: Allstate Insurance CompanyInventors: Ginger Purgatorio, Gina M. Minick, Orlando E. Mercado
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Patent number: 10902521Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze movement data and driving data, and determine driving trips and associated drivers based on the received data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and on-board vehicle systems. Drivers associated with driving trips may be identified based on the movement data collected by the mobile devices, such as speed data, acceleration data, or distance/location data. In some cases, driving patterns may be determined based on the movement data before and after stopping points, and the driving patterns may be compared to a set of previously stored driving patterns associated with various different drivers.Type: GrantFiled: January 10, 2014Date of Patent: January 26, 2021Assignee: Allstate Insurance CompanyInventor: Valery Alexander Kanevsky
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Patent number: 10885514Abstract: A method for controlling a near field communication between a device and a transaction card is disclosed. The method includes the steps of capturing, by a front-facing camera of the device, a series of images of the transaction card and processing each image of the series of images to identify a darkness level associated with a distance of the transaction card from the front of the device. The method includes comparing each identified darkness level to a predetermined darkness level associated with a preferred distance for a near field communication read operation and automatically triggering a near field communication read operation between the device and the transaction card for the communication of a cryptogram from an applet of the transaction card to the device in response to the identified darkness level corresponding to the predetermined darkness level associated with the preferred distance for the near field communication read operation.Type: GrantFiled: July 15, 2019Date of Patent: January 5, 2021Assignee: Capital One Services, LLCInventors: Colin Hart, Jose Vazquez, Jason Ji
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Patent number: 10872384Abstract: A computer-implemented method for generating an explanation for changes in tax liability over different tax reporting periods includes a computing device executing a tax calculation engine associated with tax preparation software. The tax calculation engine operates on first and second tax calculation graphs representing different tax reporting periods. The first and second tax calculation graphs are different in at least one respect. The first and second tax calculation graphs each describe data dependent tax operations comprising a plurality of interconnecting functional nodes connected by one of a plurality of functions. The computing device automatically identifies the differences among nodes within the respective first and second tax calculation graphs and executes an explanation engine associated with the tax preparation software to generate a textual explanation identifying one or more differences among the nodes.Type: GrantFiled: March 30, 2015Date of Patent: December 22, 2020Assignee: Intuit Inc.Inventors: David A. Hanekamp, Jr., Gang Wang, Kevin M. McCluskey, Michael A. Artamonov, Daniel P. Dunbar, Luis F. Cabrera, Per-Kristian Halvorsen
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Patent number: 10867298Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.Type: GrantFiled: March 14, 2013Date of Patent: December 15, 2020Assignee: WELLS FARGO BANK, N.A.Inventors: Michael T. Duke, Dean Patrick Nolan
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Patent number: 10853789Abstract: A method for enhancing customer authentication and consent for finalizing an offer to a customer of a product and/or a service is provided. The method may include using a first receiver to receive an authentication request from an initiator. The authentication request may include a customer name and a customer phone number. The method may also include using a first processor to generate a pin number and transmit the pin number to the customer phone number. The pin number may include an identifier associated with the product and/or service. The method may further include using a second receiver, included in a mobile phone, to receive the pin number, and using a second processor, included on the mobile phone, to authenticate the pin number. The authentication may include verifying a match between the customer phone number and a mobile phone number associated with the mobile phone.Type: GrantFiled: July 7, 2017Date of Patent: December 1, 2020Assignee: Bank of America CorporationInventors: Elizabeth S. Votaw, David J. Smiddy, Fnu Sidharth, Stephen T. Shannon, James Alexander
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Patent number: 10846795Abstract: An order management device and method of implementing that device in an integrated circuit. The order management device including a memory having a first and second data structure. The first data structure stores orders associated with a set of P limits. The second data structure includes the limits in a list of N limits that are not contained in the subset P, the entries in the second data structure being allocated dynamically. A first management core processes input commands related to an order, updates the first data structure and generates at least one update command to be sent to a second management core. The second management core updates the second data structure in response to the update. The first management core processes input commands independently of the update command processing by the second processing core.Type: GrantFiled: September 30, 2014Date of Patent: November 24, 2020Assignee: ENYX SAInventor: Edward Kodde
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Patent number: 10839458Abstract: Methods, devices, and systems for managing electronic messages of an electronic trading system in which orders are extracted from the electronic messages involve executing actions associated with respect to the orders and matching orders to counter orders. Matching orders may be based on a priority determined using a market quality index of the order and an associated market participant.Type: GrantFiled: August 7, 2018Date of Patent: November 17, 2020Assignee: Chicago Mercantile Exchange Inc.Inventors: Alan Shontz, John Labuszewski, Richard Co, Steve Peters, David Boberski, Roberta Paffaro, Greg Skony
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Patent number: 10825101Abstract: One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data in one or more life insurance databases. A life insurance clearinghouse may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with multiple different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from one or more databases in a life insurance clearinghouse.Type: GrantFiled: October 29, 2019Date of Patent: November 3, 2020Assignee: Allstate Insurance CompanyInventor: John Rugel
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Patent number: 10817879Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.Type: GrantFiled: January 7, 2019Date of Patent: October 27, 2020Assignee: Capital One Services, LLCInventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
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Patent number: 10803530Abstract: According to some embodiments, systems and methods for a medical risk underwriting computer system are disclosed. Access to the system is blocked if an invalid password is received. Receipt of a valid password for which a predetermined time period has expired may cause the system to delete some of the components of the medical underwriting computer system. Receipt of a valid password for which a predetermined time period has not expired will provide access to the system. The system is configured to generate graphical interfaces for the input of medical risk factors, to generate suggested values for the risk factors, and to automatically calculate an overall risk level associated with the policy based on the medical risk value associated with each of the plurality of selected medical risk factors. The system then automatically generates a recommended underwriting decision based on the overall risk level, and generates a customized decision document.Type: GrantFiled: November 21, 2018Date of Patent: October 13, 2020Assignee: Hartford Fire Insurance CompanyInventors: David F. Dellaripa, Aubrey T. Heilman, Gary Robbins
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Patent number: 10803514Abstract: The method comprises receiving a request to generate a product plan dataset and a first set of data associated with a user comprising a current salary. The method comprises generating and transmitting an instruction to query a second set of data, associated with the user, to a database. The method comprises updating user data, using the first set and the second set of data. The method comprises determining a maximum salary value based on demographic data and user's current salary value, a likelihood of promotion based on demographic data and user's performance reviews, and a future income value based on user's current salary value, maximum salary value, and the likelihood of promotion value. The method also comprises generating a product plan dataset for the user based on user's future income.Type: GrantFiled: November 18, 2016Date of Patent: October 13, 2020Assignee: Massachusetts Mutual Life Insurance CompanyInventors: Allan A. Campbell, III, Patrick H. Nadeau