Patents Examined by Daniel Felten
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Patent number: 8688577Abstract: Method, system and program product, the system comprising: computer programmed for accessing databases comprising: aggregated deposit account information for plurality of FDIC-insured aggregated deposit accounts held in plurality of depository institutions; and client account information; obtaining fund transfer instructions; allocating fund amounts for other depository institutions; generating data for depositing funds to or withdrawing funds from at least one aggregated deposit account multiple times in a month period, comprising generating data for instructions for making a withdrawal from one depository institution more than six times during the month period, using methods: in person, by mail, messenger, telephone, automated teller machine, for withdrawals except for a set of at least 1-6 withdrawals within last six business days of the month period, and presenting instructions to depository institution using method that counts against a 6 withdrawal limit for this set of the withdrawals during the last sType: GrantFiled: July 31, 2012Date of Patent: April 1, 2014Assignee: Island Intellectual Property LLCInventors: Bruce Bent, Bruce Bent, II, David Edgar Gareis, Thomas J. O'Donnell
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Patent number: 8682761Abstract: In some embodiments, a method for generating financial reports, includes selecting a first request from a plurality of pending requests. The first request requests a report on information regarding one or more accounts with a financial institution. The first request is separated into a plurality of content requests. The plurality of content requests represent requests for information to be incorporated into the requested report. A plurality of subreports are received in response to each of the plurality of content requests. The requested report is generated in response to the first request by binding each of the plurality of subreports.Type: GrantFiled: March 31, 2010Date of Patent: March 25, 2014Assignee: Bank of America CorporationInventors: James Rajeshvincent, Brian Dietrich, Vijayabhasker M. Krishnamurthy, Mahalingam Joghee, Eric F. Wischhusen, Michael Downey, John Scully
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Patent number: 8676678Abstract: Methods for the long-term leasing by a company of a plurality of properties, two or more of which are separately owned by identifying each property to be leased; and tendering to each property owner an offer to lease each property for a term of years with a lump sum payment as consideration.Type: GrantFiled: November 26, 2003Date of Patent: March 18, 2014Inventor: Nicholas Frattalone
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Patent number: 8676667Abstract: A method for simulating the entire superset of potential valid keyword regular expression requests constructed during an Internet browser search and converting the result sets into Environmental summary report to enable efficient and accurate searching without requiring Browser Engine supercomputer cluster searching capabilities.Type: GrantFiled: April 21, 2010Date of Patent: March 18, 2014Inventor: Richard Paiz
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Patent number: 8676642Abstract: A system and method for offering rewards. The method comprising the steps of: receiving a plurality transaction occurrences from a plurality of merchants relating to at least one account; ordering the plurality of transaction occurrences based on an ordering scheme; selecting a winning transaction from the plurality of transaction occurrences based on a reward selection scheme; and rewarding at least one reward to a user associated with the winning transaction.Type: GrantFiled: March 6, 2008Date of Patent: March 18, 2014Assignee: JPMorgan Chase Bank, N.A.Inventor: William S. Sheley
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Patent number: 8671043Abstract: The present invention is a server for supporting an exchange transaction, in which users can complete exchange transactions between and/or among themselves.Type: GrantFiled: January 2, 2013Date of Patent: March 11, 2014Assignee: IP Strategy IncorporatedInventor: Masanobu Nishimaki
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Patent number: 8666855Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: June 30, 2003Date of Patent: March 4, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8660940Abstract: An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders and/or quotes to an exchange site. The automated trading system determines whether an order or quote should be submitted based on, for example, the current market price of an option and theoretical buy and sell prices. The theoretical buy and sell prices are derived from, among other things, the current market price of the security underlying the option. The theoretical buy and sell prices are calculated when underlying factors that contribute to the theoretical prices change. Computation times of the theoretical prices may be reduced by using precalculated values and/or using interpolation and extrapolation. Other techniques may be used in addition or in the alternative to speed automatic decision-making. In addition, a system of checks may be conducted to ensure accurate and safe automated trading.Type: GrantFiled: February 12, 2007Date of Patent: February 25, 2014Assignee: Edge Capture LLCInventors: John M. Marynowski, Catalin D. Voinescu, Stefan Puscasu, Thomas M. O'Donnell
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Patent number: 8655684Abstract: A method for operating a return generation system comprises several steps. In a first step, a group of a plurality of individuals is determined. In a further step, at least one asset is gathered from each of said individuals. Said at least one asset is subsequently transferred to a pool of assets. Upon death of one of the individuals, a rate to be distributed to the surviving individuals is automatically calculated. Subsequently, the assets are distributed among the surviving individuals.Type: GrantFiled: April 21, 2005Date of Patent: February 18, 2014Assignee: swissGRO GmbHInventors: John Hilgon van Breda, Jan Altus Van der Merwe, Bernard Racine, Paul Kruger Zondagh, Charle François Naude Hugo, Francois Petrus Möller
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Patent number: 8639614Abstract: A system for managing the formation of and transactions relating to a syndicated loan is described which provides an interface for all active and prospective participants of a syndicated loan to interact with the system an each other, thereby making the syndication process more efficient and dynamic. In addition, a trading functionality is incorporated and described herein that creates a market for trading syndicated loans and disseminating information about the loans to other participants in the market.Type: GrantFiled: December 29, 2006Date of Patent: January 28, 2014Assignee: The Debt Exchange, Inc.Inventors: J. Kingsley Greenland, II, William J. Jakubowski
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Patent number: 8635130Abstract: The present invention provides a stock analysis, management and education system and process which, via an Internet based software application, allows a client to receive daily trading information on all the Stocks traded without having to conduct multiple queries and/or extended downloads. The system also provides for the efficient transfer of daily stock information from a server to a client's system by having the server receive and process into binary files stock information from exchanges. The client then establishes a communications link with the server, receives a list file, selects files from the list and receives those files. The system provide custom stock screening and display options, while significantly reducing download times by separating charting data from screening data and providing “quick update” files. Day Trading features enable an investor to day trade with relative low risk.Type: GrantFiled: April 3, 2000Date of Patent: January 21, 2014Assignee: TD Ameritrade IP Company, Inc.Inventors: Michael S. Smith, Chad D. Clifford
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Patent number: 8630937Abstract: Systems and methods for financial data analysis are provided. A system is provided wherein financial data associated with stocks and stock options is collected from multiple sources and calculations performed thereon to derive values for a set of searchable screening parameters related to searching stock option spreads. Users may access the system and provide values and ranges of values for searching the set of searchable screening parameters. In response, users are presented with the set of option spreads, in sorted order, that satisfy the user-supplied search values. Users may select to execute an option spread in which case the system automatically executes the plurality of option trades that underly the spread.Type: GrantFiled: October 2, 2012Date of Patent: January 14, 2014Assignee: Power Financial Group, Inc.Inventors: Ernest H. Zerenner, Gilbert A. Segal, Gregory James Zerenner
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Patent number: 8620795Abstract: A system of advertising on the Internet, including: an on-line system for sellers of future advertising space to create advertising contracts; an on-line system for presenting the advertising contracts to purchasers of advertising space; an on-line system for the purchasers of future advertising space to select the sellers' advertising contracts; a system to integrate purchased advertising contracts to a delivery mechanism that displays purchasers' advertising in the sellers advertising space; and a system for transferring funds from the purchasers to the sellers after completion and audit of the advertising contracts.Type: GrantFiled: September 12, 2011Date of Patent: December 31, 2013Inventor: Puthocode S. Veeraraghavan
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Patent number: 8612302Abstract: Rewards, which can be virtual currency which can include items, on one website are transferred to be used on another website. The one website on which the rewards are earned has reciprocity with other websites, and can send those rewards to another website, either associated with the user's own account, or with someone else's account. In one embodiment, the rewards can be transferred even if the user who earns those rewards does not participate in the website that is receiving the transfer.Type: GrantFiled: February 16, 2012Date of Patent: December 17, 2013Assignee: GanzInventors: Howard Ganz, Karl Joseph Borst
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Patent number: 8589974Abstract: In one embodiment, at least one portion of a request for an electronic advertisement is received. The request includes an indicator indicative of one of a plurality of demographic servers. The at least one portion is analyzed. The at least one portion includes data of a user. Demographic information is identified as a function of the user data. A request for a selection of the electronic advertisement as a function of the demographic information is transmitted.Type: GrantFiled: January 16, 2008Date of Patent: November 19, 2013Assignee: Cisco Technology, Inc.Inventors: Louis F. Menditto, Kenneth Davidson, Richard L. Gray
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Patent number: 8583546Abstract: Various embodiments are disclosed for processing image cash letter files comprising transactions directed to a first image exchange system and transactions directed to a second image exchange systems. First and second cash letter output files may be generated, where the first and second cash letter output files may comprise cash letter file headers based on a header of an input cash letter file. Each transaction record included in the input cash letter file may be directed to either the first output cash letter file or the second output cash letter file. The headers of the respective output cash letter files may be updated based on the records written thereto.Type: GrantFiled: February 9, 2010Date of Patent: November 12, 2013Assignee: The PNC Financial Services Group, Inc.Inventors: Bruce Schuette, Chuck Loether, Elizabeth Bauman, Mike Sprankle
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Patent number: 8577766Abstract: A method of performing a secure transaction using non-secure communications, including: contacting a service provider by a customer to perform a transaction; sending an non-secure message by the service provider over a communication network using a communication device with details of the transaction to a transaction server; initiating a secure transaction at the transaction server; generating two one-time passwords at the transaction server; sending the first one-time password to a communication device of the customer and sending the second one-time password to the service providers communication device; revealing the first one-time password to the service provider by the customer; replying to the transaction server by the service provider with a message based on both one-time passwords; completing the transaction at the transaction server.Type: GrantFiled: March 31, 2010Date of Patent: November 5, 2013Assignee: Trivnet Ltd.Inventor: Benny Saban
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Patent number: 8577797Abstract: Various embodiments are disclosed for processing image cash letter files comprising transactions directed to a first image exchange system and transactions directed to a second image exchange systems. First and second cash letter output files may be generated, where the first and second cash letter output files may comprise cash letter file headers based on a header of an input cash letter file. Each transaction record included in the input cash letter file may be directed to either the first output cash letter file or the second output cash letter file. The headers of the respective output cash letter files may be updated based on the records written thereto.Type: GrantFiled: February 9, 2010Date of Patent: November 5, 2013Assignee: The PNC Financial Services Group, Inc.Inventors: Bruce Schuette, Chuck Loether, Elizabeth Bauman, Mike Sprankle
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Patent number: 8560448Abstract: A system to initiate funding of a plurality of merchant accounts may include one or more computers configured to receive input specifying at least one payment item having a payment amount, determine a convenience fee based on the at least one payment amount, select a first merchant account based on the at least one specified payment item, and select a second merchant account associated with the convenience fee. The one or more computers may also be configured to receive a single input specifying credit card information, link the payment amount, received credit card information and the first merchant account to form a first transaction, and link the convenience fee, received credit card information and second merchant account to form a second transaction.Type: GrantFiled: December 30, 2008Date of Patent: October 15, 2013Assignee: Municipay, LLCInventors: Jamie Michael Nonni, Robert William Rowan, Patrick Arthur Allen
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Patent number: 8560412Abstract: The investment arrangement funnels the knowledge and strategies of a host of advisors through an impartial system leveraged by a host of investors to access, evaluate and then easily invest in one or more strategies. Investment is made by an investment company which acts as a holding company for the investor. The advisor provides instructions to the investment company regarding buy and sell instructions. The strategy of each advisor is clearly stated and investments are restricted to the strategy. The investment company provides a database of all trades by an advisor so that both actual and relative performance can be measured.Type: GrantFiled: May 22, 2006Date of Patent: October 15, 2013Assignee: TrueGenius, Inc.Inventors: Bill Snow, Stephen B. Sutherland