Patents Examined by Daniel S Felten
  • Patent number: 10181132
    Abstract: A media player is provided. The media player comprises a communications interface, a memory store containing a plurality of personalized advertisements, and a media playback component. The targeted advertisements are refreshed by receiving updates from the communications interface during some of the intervals when the media player is connected to a network. The targeted advertisements are indexed by a plurality of characteristics, the first characteristic being a creation date of the targeted advertisements. The media playback component is configured to play a media content, wherein the media content is stored separately from the targeted advertisements, and to play one of the targeted advertisements in the memory store selected based on the characteristics of the one of the targeted advertisements.
    Type: Grant
    Filed: November 11, 2013
    Date of Patent: January 15, 2019
    Assignee: Sprint Communications Company L.P.
    Inventors: Jason R. Delker, John M. Everson, Michael A. Gailloux, Jarrod A. Nichols, James W. Norris
  • Patent number: 10078834
    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: March 28, 2011
    Date of Patent: September 18, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventor: Joseph C. Kawan
  • Patent number: 10037541
    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: July 14, 2015
    Date of Patent: July 31, 2018
    Inventors: Tracy L. Dangott, Andrew J. Mastrino, Keith L. Miller, Jaclyn Radeni
  • Patent number: 9990623
    Abstract: Systems and methods are to provide information to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store and associate personal information of a user with a telephone number of the user, and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to approve the providing of the personal information from the data storage facility to a website.
    Type: Grant
    Filed: March 18, 2009
    Date of Patent: June 5, 2018
    Assignee: Boku, Inc.
    Inventor: Glyn Barry Smith
  • Patent number: 8452707
    Abstract: A credit card and credit card payment system includes a zero-LOC card account having an associated zero-LOC card with a unique identification number and a zero line of credit. The issuer of the zero-LOC card assumes no credit risk. This zero-LOC card account is independent of a funding card account, such that the zero-LOC card is funded, at some point before use, by at least one funds transfer from the funding card account to provide a positive credit balance in the zero-LOC card account. At the point of use, zero-LOC card functions just like a regular credit card except for the fact that a debit/payment transaction on the zero-LOC card is authorized using the available credit balance on the zero-LOC card account instead of the available line-of-credit as in the case of a regular credit card.
    Type: Grant
    Filed: February 12, 2010
    Date of Patent: May 28, 2013
    Inventor: Bansi Lal Sharma
  • Patent number: 8401953
    Abstract: A computer implemented method of making an investment value decision through modeling an investment's expected cash flows, each expected cash flow represented on the display device of a computer as a graphical three-dimensional joint-probability volume encapsulating uncertainties of both time and magnitude, making it unnecessary to consider investment risk before choosing discount rates, allowing a user to discount all cash flows using only the “risk-free” rate to produce a net present value probability distribution rather than single-number estimate, and displaying the resulting net present value probability distribution as a graphical two-dimensional net present value probability area on the display device of a computer, wherein one dimension represents magnitude and the other dimension represents probability.
    Type: Grant
    Filed: May 22, 2009
    Date of Patent: March 19, 2013
    Inventor: Antony Mott
  • Patent number: 8364506
    Abstract: Risk characteristic information is received concerning a property that is to be insured by an insurance company. The risk characteristic indicates sensitivities of the property to commodity prices. Commodity futures information is also received. The commodity futures information indicates futures contract prices for at least one commodity. An insurance pricing model is stored. The insurance pricing model operates to base pricing of insurance policies at least in part on the commodity futures information. A premium quotation for insuring the property is generated based at least in part on the insurance pricing model and the commodity futures information.
    Type: Grant
    Filed: October 14, 2010
    Date of Patent: January 29, 2013
    Assignee: Hartford Fire Insurance Company
    Inventor: Nicholas Ryan Munger
  • Patent number: 8301535
    Abstract: 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: Grant
    Filed: September 29, 2000
    Date of Patent: October 30, 2012
    Assignee: Power Financial Group, Inc.
    Inventors: Ernest H. Zerenner, Gilbert A. Segal, Gregory James Zerenner
  • Patent number: 8078510
    Abstract: The present invention relates to prepaid services in the communication field. A method for charging a prepaid account includes: delivering the available traffic to the NAS based on the available balance of an account shared by the user and other users in response to a successful authentication of a user's access request; and delivering the available traffic to the NAS based on the available balance of the account shared by the user and other users in response to a receipt of an Accounting-Request-Interim message from the NAS. The solution provided by the invention may deliver the available traffic to a user every accounting period so that an account can be used by multiple users concurrently, whereas overdraft does not occur. The present invention also provides a system and an AAA server for charging a prepaid account.
    Type: Grant
    Filed: November 17, 2008
    Date of Patent: December 13, 2011
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Shengping Ge, Lei Wu
  • Patent number: 8073773
    Abstract: A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.
    Type: Grant
    Filed: March 27, 2003
    Date of Patent: December 6, 2011
    Assignee: Checkfree Corporation
    Inventors: Casey W. Kozee, Teri W. Bemis, William R. McMichael
  • Patent number: 8073750
    Abstract: Machine and related manufacturer controlling multi-jurisdictional investment; a computer system arranged to receive information and locate said information into a memory, the information including investment specifications and pricing data for the financial product, the computer system further including: an input device for receiving the information and converting the information into signals; a program control to compute, from said signals, for calculating respective valuations of parts of investment in respective jurisdictions and a program control to trigger printing documentation, including said valuations, to carry out the implementation of the parts in the respective jurisdictions. In variations thereof, such as optimizing, separating, valuation, and execution are supported.
    Type: Grant
    Filed: May 4, 2004
    Date of Patent: December 6, 2011
    Assignee: Mann Conroy Eisenberg & Associates
    Inventors: Crispina O. Caballero, Thomas F. Conroy, Steven A. Eisenberg, Brian G. Holland, Stephen F. Kraysler, Richard W. Mann
  • Patent number: 8036969
    Abstract: A method and system for hedging a correlation risk associated with a basket option that includes a plurality of securities that includes the step of selecting at least two of the plurality of securities and, in the next step, forming a best-of option for the at least two of the plurality of securities. Finally, the best-of option is combined with the basket option to hedge the correlation risk associated with the basket option.
    Type: Grant
    Filed: February 28, 2001
    Date of Patent: October 11, 2011
    Assignee: Goldman Sachs & Co.
    Inventor: Mark Higgins
  • Patent number: 8032456
    Abstract: A computer-implemented method, system and program product for managing funds for a plurality of broker dealers, the method comprising: maintaining or having maintained a separate account for each of a plurality of customers of a plurality of broker dealers; receiving by a self clearing broker dealer deposit sweep data; maintaining a plurality of FDIC-insured and interest-bearing aggregated accounts, with aggregated accounts held at a plurality of different program banks, with at least one of the aggregated accounts at one of the program banks holding funds of a plurality of broker dealers; accessing an aggregated account electronic database, containing information on funds of each of a plurality of the customers in the plurality of aggregated deposit accounts; accessing an accounting electronic database, containing information on one or more accounting parameters to be applied when performing accounting functions relating to funds of a plurality of the customers of a plurality of the broker dealers; plus addi
    Type: Grant
    Filed: December 19, 2008
    Date of Patent: October 4, 2011
    Assignee: Island Intellectual Property LLC
    Inventors: Bruce Bent, Bruce Bent, II
  • Patent number: 8027893
    Abstract: News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the company. Securities are automatically trade upon determining that said news information contains a reference to the company and determining that said news information matches criteria associated with the company.
    Type: Grant
    Filed: December 16, 2002
    Date of Patent: September 27, 2011
    Assignee: News Technologies, LLC
    Inventors: Steven A. Burrows, John P. Elliott
  • Patent number: 8019682
    Abstract: An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet access provider agrees with the customer and the vendor to bill the customer and remit to the vendor for products and services purchased over the Internet by the customer from the vendor. The provider creates access to the Internet for the customer. When the customer orders a product or service over the Internet from a vendor, transactional information transmitted between the customer and the vendor is also transmitted to the provider. The provider then bills the transaction amount to the customer and remits a portion of the transaction amount to the vendor, keeping the differential as a fee for providing the service. As a result of this method, there is no need for any customer account numbers or vendor account numbers to be transmitted over the Internet, thereby maintaining the security of that information.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: September 13, 2011
    Assignee: AT&T Intellectual Property I, L.P
    Inventor: Andrew Egendorf
  • Patent number: 8010447
    Abstract: An apparatus for controlling operational risk in a data processing system comprises a risk domain segmenter for segmenting the data processing system into a plurality of risk domains, a domain risk threshold selector for selecting a domain risk threshold for at least one of the plurality of risk domains, a system element monitor operable to query the data processing system for an indication of presence of system elements, a risk quantizer for evaluating a system element for element risk and for computing the potential contribution of the element risk to a domain risk total, a risk threshold comparator for comparing the domain risk total with the domain risk threshold, and a domain assignor operable to assign the system element to a risk domain in dependency upon an output of the risk threshold comparator.
    Type: Grant
    Filed: March 7, 2008
    Date of Patent: August 30, 2011
    Assignee: International Business Machines Corporation
    Inventors: Steven Michael Hurley, Barry Douglas Whyte
  • Patent number: 7970703
    Abstract: A system that incorporates teachings of the present disclosure may include, for example, equipment operable to establish a communication session over the Internet between equipment of a vendor and equipment of a customer enabled by a communications link of equipment of a third party, receive during the communication session a communication indicating that the customer initiated an order for a product or service from the vendor, submit to the equipment of the third party transactional information relating to the purchase transaction without submitting a billing request to the equipment of the third party, and receive a portion of the transaction amount in accordance with a remitting arrangement without submitting the billing request to the equipment of the third party. Additional embodiments are disclosed.
    Type: Grant
    Filed: May 27, 2010
    Date of Patent: June 28, 2011
    Assignee: AT&T Intellectual Property I, L.P.
    Inventor: Andrew Egendorf
  • Patent number: 7966235
    Abstract: A method providing automatic allocation of a spending limit value among a plurality of recipient departments is disclosed. A spending plan, comprising a plurality of spending limit values, is created. Each spending limit value is associated with a department from among a plurality of departments. A first selected department is identified as a source for allocation of a first spending value. One or more recipient departments are identified as recipients of an allocation of the first spending value. The first spending value is then automatically allocated among the recipients under a specified allocation model, resulting in creating a plurality of allocated spending limit values that are associated with one of the recipient departments. As a result, delay in preparing spending plans is reduced because allocations are rapidly, automatically computed and distributed to department plans.
    Type: Grant
    Filed: October 1, 2001
    Date of Patent: June 21, 2011
    Assignee: Lawson Software, Inc.
    Inventors: Nancy B. Capelli, Rajesh Chandran, Prashant Fuloria, Sarat C. Sankaran
  • Patent number: 7958029
    Abstract: A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present invention uses credit card authorization to pre-reserve credit card funds for wireless services in excess of planned usage. Authorizations eliminate the credit risk associated with overages and payment timing, and also maintain a customer experience identical to postpaid processing. The authorizations are invisible to the customer and no charge is brought to a customer's credit card until the monthly bill is settled. Separating the authorization and settlement stages of retail wireless payment processing allows the branded wireless provider to avoid inherent areas of credit risk during the tenure of a customer's wireless service, while maintaining a familiar customer experience.
    Type: Grant
    Filed: October 20, 2004
    Date of Patent: June 7, 2011
    Inventors: Thomas Bobich, Carl-Manuel Brachet, Robert Gray, John Hinman
  • Patent number: 7957983
    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: March 29, 2007
    Date of Patent: June 7, 2011
    Assignee: McKesson Specialty Arizona Inc.
    Inventors: Steve Hoffman, Steve Mink, Philip Villavicencio