Patents Examined by Daniel Felten
  • Patent number: 9892457
    Abstract: A credit report system is disclosed which may provide credit data to a consumer in the consumer's search results or at other times when credit data may be useful to a consumer. Searches relevant to credit data may be determined based on the search terms entered, or based on the results of the search. Credit data may be provided if the consumer accesses webpages relevant to credit reports or credit scores. The credit report system may also authenticate the consumer's identity before providing credit data to the consumer. Credit data may include the consumer's credit score as well as other information such as credit report data that may be useful to a consumer.
    Type: Grant
    Filed: April 16, 2014
    Date of Patent: February 13, 2018
    Assignee: Consumerinfo.com, Inc.
    Inventor: Mark Joseph Kapczynski
  • Patent number: 9858568
    Abstract: A device is communicatively connected to a remote transaction processing system. In at least one embodiment, the device comprises a dedicated power supply that is independent of a mains power supply, and has an operational state that is set according to an outcome of a transaction processed by the remote transaction processing system. The remote transaction processing system processes the transaction via communication with a separate mobile communications device. In another embodiment, a system comprises a device having a primary function other than facilitating communication, an interface for operating the device, and a transaction processing system that is remote from the device. The device, the interface, and the transaction processing system communicate wirelessly. The transaction processing system is configured to process payment transactions for usage of the device, and the outcome of the payment transactions determines whether the device is operational to provide its primary function.
    Type: Grant
    Filed: July 14, 2014
    Date of Patent: January 2, 2018
    Assignee: M-Kopa IPR, LLC
    Inventors: Jesse Keith Barton Moore, Nicholas Hughes
  • Patent number: 9824341
    Abstract: Object oriented design strategies and patterns are applied to financial data processing systems for processing and modeling of financial products (also referred to as financial instruments) with an emphasis being on derivative products. The system employs valuation independent, well-defined financial components (also referred to as financial events) that can be combined to build new financial structures. A general purpose software model is provided for representing the structure and characteristics of these products. A declarative specification language is provided to describe financial instruments in a consistent manner that lends itself to processing in such an object oriented system. A general traversal process is provided that can be applied to the macro structure of a financial instrument to implement various functions that produce results based on such information, such as the stream of financial events associated with the instrument, or the pricing or valuation of the instrument.
    Type: Grant
    Filed: April 10, 2014
    Date of Patent: November 21, 2017
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Michael L. DeAddio, Axel Kramer
  • Patent number: 9734484
    Abstract: A system and method for dynamically creating and presenting a network based application for any number of a plurality of products. The method and system upon receiving a request to apply for one or more of a plurality of products, dynamically creates an application pages that includes fields to input the specific information required to apply for the selected products. The application page is provided to the applicant through the network and the application data is received by the system. The method and system causes the application data to be processed and provides the results to the applicant. The applicant is provided the results of multiple specific applications in with minimal data input and in real time.
    Type: Grant
    Filed: August 16, 2012
    Date of Patent: August 15, 2017
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Robert J. Rosko
  • Patent number: 9378490
    Abstract: A method and system provides for scanning a check and/or cash to create an electronic image of the front and the back of the check and/or cash. The image is then processed and transmitted electronically to a central location. The image may be recreated into a paper form at the central location, resembling the original paper check or cash, including a machine-readable regeneration of the MICR code line data captured from the original instrument. Paperless processing of checks and cash is thus provided, including local voiding and storage of the check without requiring immediate pickup, while still allowing the transaction to be process.
    Type: Grant
    Filed: August 13, 2010
    Date of Patent: June 28, 2016
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Alan Slater, Michael L. Sears, Phoebe Rin-Rin Hsu, Cuong D. Do, H. Patrick McSharry, Edward M. R. Dudasik, Stephen M. Gryte, Robert O. Brooks
  • Patent number: 9098852
    Abstract: According to an embodiment of the present invention, a computer implemented method and system for identifying potential fraud with targeted benefits comprising: receiving, using a programmed computer processor, participant data associated with a participant of a targeted benefit program wherein the participant data comprises geographical data associated with the participant and a participating merchant; applying, using a programmed computer processor, data linking to the participant data where a plurality of filters are applied to the participant data to identify potential fraud; and providing an output, via an interface, comprising a recommended response to the identified potential fraud.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: August 4, 2015
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Tracy L. Dangott, Andrew J. Mastrino, Keith L. Miller, Jaclyn Radeni
  • Patent number: 9070165
    Abstract: A method for matching a hedge fund and a hedge fund investor, and apparatus therefore, may utilize databases that may be searched by search engines. The databases and the search engines may be accessed using a website. Information regarding the investor may be stored in one database and information relating to the hedge fund may be separately stored in the other database. An investor may access the search engine associated with the database containing hedge fund information to identify hedge funds that may be relevant to that investor. Likewise, a hedge fund may access the search engine associated with the database containing investor information to identify qualified investors that may be interested in the hedge fund.
    Type: Grant
    Filed: June 18, 2013
    Date of Patent: June 30, 2015
    Inventors: Lisa Vioni, Robert Gordon Stuart Arthurs
  • Patent number: 8977565
    Abstract: A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.
    Type: Grant
    Filed: January 23, 2009
    Date of Patent: March 10, 2015
    Assignee: CFPH, LLC
    Inventors: Dean P. Alderucci, Charles Plott, Mark Miller, Howard W. Lutnick, Andrew Fishkind, Brian Gay, Kevin Foley
  • Patent number: 8935183
    Abstract: The present disclosure may include, for example, a method for facilitating establishment of a remitting agreement between equipment used by a vendor and equipment used by a provider, enabling, by way of the equipment used by the provider, the equipment used by the vendor to communicate with equipment used by a customer permitting the customer to purchase a product or service of the vendor, and initiating between the equipment used by the provider and the equipment used by the vendor a remittance from an account associated with the vendor of a portion of a transaction amount associated with a purchase transaction made by the equipment used by the customer. Additional embodiments are disclosed.
    Type: Grant
    Filed: February 6, 2014
    Date of Patent: January 13, 2015
    Assignee: AT&T Intellectual Property I, LP
    Inventor: Andrew Egendorf
  • Patent number: 8930279
    Abstract: A method of processing a transaction for provision of funds to a mobile telephone prepayment account associated with a mobile telephone is disclosed. The method includes: an Automated Teller Machine (ATM) receiving, from a card associated with a user of the mobile telephone, information identifying a financial account associated with the user of the mobile device; the ATM receiving, from a user, an identifier associated with the mobile telephone; the ATM receiving, from the user, information indicating an amount of funds to be provided to the mobile telephone prepayment account; and the ATM sending, to a financial institution associated with the financial account, an instruction to transfer the indicated amount of funds from the financial account to the wireless service provider, so as to provide the indicated amount of funds to the mobile telephone prepayment account.
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: January 6, 2015
    Assignee: Unwired Planet, LLC
    Inventor: Peter Hartmaier
  • Patent number: 8930228
    Abstract: Systems and methods for performing insurance related activities are provided. Software can be implemented to provide an application that includes an interactive interface for use by insurance professionals in managing clients, marketing insurance, and storing information. The application can include multiple layers directed to particular stages of the insurance-client relationship. Aggregation services can also be incorporated into the application. Interactive insurance-and-client specific display pages can be incorporated to aid in understanding a client's current insurance information and to generate presentations. “Value” calculators may be implemented to illustrate a comparison of a client's current level of protection to a client's current financial state. Interactive tools for evaluating a customer's financial condition during retirement and how life insurance affects a customer's financial condition are also provided.
    Type: Grant
    Filed: May 21, 2012
    Date of Patent: January 6, 2015
    Assignee: The Guardian Life Insurance Company of America
    Inventor: Robert Ball
  • Patent number: 8924268
    Abstract: A legal process management system facilitates simultaneous dynamic dialogs between legal process managers and networked attorneys and contractors providing services in connection with security interest enforcement actions. The legal process managers submit queries and deadlines selected to timely guide the attorneys and contractors through the requirements of the security interest enforcement actions. The attorneys and contractors submit responsive answers revealing the status of their enforcement actions. The legal process management system allows the monitored attorneys to share in the information provided by the monitored contractors. The legal process management system further includes mechanisms for reminding the attorneys and contractors about impending deadlines. The system also allows the attorneys and contractors to be assessed on their success in complying with the queries and deadlines submitted by the legal process managers.
    Type: Grant
    Filed: September 11, 2006
    Date of Patent: December 30, 2014
    Assignee: OneDemand.com, Inc.
    Inventors: Robert J. Jackson, Paul Jackson, Scott Jackson
  • Patent number: 8924245
    Abstract: A system for and method of automatic optimizing quantitative business objectives of sellers (advertisers) with synergistic pricing, promotions and advertisements, while simultaneously minimizing expenditure and discovery and optimizing allocation of advertising channels that optimize such objectives.
    Type: Grant
    Filed: April 8, 2014
    Date of Patent: December 30, 2014
    Inventors: Mukesh Chatter, Rohit Goyal, Shiao-bin Soong
  • Patent number: 8924280
    Abstract: A method for auctioning funds to a bank or by a depositor using a full-time public network, including several steps. A connection is established (160) to a full-time public network. Bank or depositor criteria received via the full-time public network is accepted (162). Risk analytics is performed (164) to facilitate identification of acceptable bidders. At least one bid is accepted (166) from at least one acceptable bidder via the full-time public network. Each accepted bid is evaluated (168) based on the bank or depositor criteria to determine whether the bid satisfies the criteria. At least one bid is selected (170) as a winning bid determined to satisfy the bank or depositor criteria. A system for matching depositors and banks includes at least one depositor computing system (212), at least one bank computing system (216), and auctioneer computing system (218) having several operating modules.
    Type: Grant
    Filed: September 2, 2010
    Date of Patent: December 30, 2014
    Inventor: Mark H Springer
  • Patent number: 8924276
    Abstract: Forecasting financial market activity includes a host system and a graphical processing unit in data communication with the server. Forecasting financial market activity also includes a computer program product residing on the host system, the computer program product including instructions for causing the host system to send one or more financial models to the graphical processing unit; and a computer program product residing on the graphical processing unit for causing the graphical processing unit to: receive the financial models and a list of types of market data associated with each financial model; generate one or more engine instances; structure the received market data; receive instructions, from the host system, to run an identified financial model; clone at least part of the structured market data; run the engine instances; and generate, in real time, forecast data indicative of an expected market performance.
    Type: Grant
    Filed: April 16, 2013
    Date of Patent: December 30, 2014
    Assignee: FMR LLC
    Inventor: Jacob C. Lindeman
  • Patent number: 8924231
    Abstract: A method is provided that includes initiating adjudication of a primary claim in response to a purchase transaction at a primary payer for a client at a point of sale of a healthcare provider, and adjudicating one or more services of a program of the administrator to which the client is enrolled and/or one or more secondary benefits following the adjudication of the primary claim. The purchase transaction is applicable to the respective program and the respective secondary benefit, and the program includes one or more services. The method also includes providing the one or more services and/or secondary benefits to the client in response to adjudicating the one or more services and/or secondary benefits.
    Type: Grant
    Filed: April 28, 2011
    Date of Patent: December 30, 2014
    Assignee: McKesson Specialty Arizona Inc.
    Inventors: Steve Hoffman, Steve Mink, Philip Villavicencio
  • Patent number: 8924293
    Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.
    Type: Grant
    Filed: December 5, 2012
    Date of Patent: December 30, 2014
    Assignee: Citicorp Development Center, Inc.
    Inventor: Joseph C. Kawan
  • Patent number: 8924289
    Abstract: A system and method for providing banks with access to a previously inaccessible existing international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank. The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global basis for the customers of the client bank.
    Type: Grant
    Filed: January 17, 2013
    Date of Patent: December 30, 2014
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Nigel Knight, Richard Baker, Mel Metherell, Ian Chittick, Richard Parkin, Sang Leong, Les Green, Marc A. Anders
  • Patent number: 8799147
    Abstract: Various systems, methods and computer-readable media with computer-executable instructions are disclosed for remotely depositing negotiable instruments with non-payee financial institutions, such payor financial institutions, any intermediate financial institutions (those between payor and payee financial institutions), or third party enterprises. For example a data set comprising any one of a data image, alpha-numeric data, and metadata can be submitted with a non-payee bank. This set of data may be associated with a negotiable instrument that an account holder may have received as a payee. After the negotiable instrument is transformed into the data set, this data set can be used to clear funds to the payee's account using only the electronically and remotely submitted data set.
    Type: Grant
    Filed: October 31, 2006
    Date of Patent: August 5, 2014
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carol Ann Walls, Gabriel Glenn Gavia
  • Patent number: 8788409
    Abstract: A system and method for providing predictable income leverages income and excess cash flow into alternative income sources through linking a checking account to a revolving line of credit (L/C) and sweeping money back and forth between the L/C and the checking account. The system and method are automated using a computer running a software program.
    Type: Grant
    Filed: June 8, 2010
    Date of Patent: July 22, 2014
    Inventor: Tanisha Souza