Patents Examined by Dario Bianco
  • Patent number: 10937101
    Abstract: A system for providing dynamic roadside assistance coordination may include a customer mobile device or vehicle in direct, or indirect, wireless communication with an insurance provider and/or service provider remote server. The customer's device may transmit a request for roadside assistance (e.g., towing services), and a current GPS location. In response, a closest, trusted service provider vehicle may be determined, and then directed to the customer's location. For instance, a software application may receive the customer location and compare it with availability information to match the customer with a close and trusted service provider. The customer's device may receive an acknowledgement that help is on the way, and be able to track the current location of the service provider vehicle while en route. Payment for the roadside assistance may be automatically and electronically paid by the insurance provider. As a result, prompt and safe roadside assistance may be provided.
    Type: Grant
    Filed: August 24, 2016
    Date of Patent: March 2, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: George T. Dulee, Natalie R. Smith, Matthew Clarenson, Michelle Ann Curtis, Justin Davis, Jacob Alt
  • Patent number: 10861106
    Abstract: Computing systems, computer-implemented methods, articles of manufacture for making personalized assessments regarding whether a taxpayer should be presented with a standardized flow of interview screens, questions or topics, or with an itemized deduction flow of interview screens, questions or topics. This assessment is made utilizing a generated user interface and analytic data elements that generate outputs that reflect the taxpayer's data, e.g., in the form of ranges of numerical data that are based on the taxpayer's data. User interface elements representing response options in the form of range data may be selected by the user without entering specific electronic tax return data for the purpose of making standardized v. itemized determinations and to determine which questions or topics can be bypassed.
    Type: Grant
    Filed: January 14, 2016
    Date of Patent: December 8, 2020
    Assignee: INTUIT INC.
    Inventors: Sharon E. Hunt, Yao H. Morin, Alexis Hartford, Brian Lyle Hofmaister, Andrew Roe, Varadarajan Sriram, Sylvia R. Knust, Thai D. Dang, Robert E. Bamford, Carol Ann Howe
  • Patent number: 10846802
    Abstract: A browser extension for facilitating a user of a mobile device obtaining an insurance rate quote for a vehicle (or other property, real or personal) from an insurance provider, wherein vehicle information identifying the vehicle is provided on a webpage. The browser extension searches the webpage for vehicle information identifying one or more vehicles. The user is prompted to select the vehicle(s) for which the insurance rate quote is desired from a list of the vehicles is found on the webpage. The browser extension passes the vehicle information for the selected vehicle to a program application. The program application obtains user information useful for generating the insurance rate quote. Based upon the vehicle information and the user information, the program application generates and displays for the user the insurance rate quote for the vehicle. Additionally, the user may be similarly offered a loan and/or an extended warranty for the vehicle.
    Type: Grant
    Filed: September 19, 2019
    Date of Patent: November 24, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Jeffery L. Olson
  • Patent number: 10796382
    Abstract: A computer-implemented method for generating a customized tax preparation experience for a user of tax preparation software includes a computing device executing a data capture utility, the data capture utility connecting to one or more remote data sources and capturing and transferring at least some tax data contained therein to a data store associated with the tax preparation software. The computing device executes a topic analysis engine configured to identify highly relevant tax topics from the data transferred to the data store. A user interface manager automatically generates interview questions or statements on said highly relevant tax topics. The user confirms whether other tax topics apply to the user. The computing device executes a tax calculation engine of the tax preparation software configured to compute a tax liability or refund amount.
    Type: Grant
    Filed: March 30, 2015
    Date of Patent: October 6, 2020
    Assignee: Intuit Inc.
    Inventors: Gang Wang, Kevin M. McCluskey, Luis F. Cabrera
  • Patent number: 10755355
    Abstract: Systems and methods can present a financial plan that is based upon a customized selection of goals on a user interface, whereby a set of shapes representing goals can be configured along a timeline and data representing those goals can be edited, which dynamically adjusts a financial plan algorithm to provide a solution in a more dynamic and on demand approach than conventional solutions.
    Type: Grant
    Filed: December 21, 2015
    Date of Patent: August 25, 2020
    Assignee: Massachusetts Mutual Life Insurance Company
    Inventors: Gareth Ross, Tricia Walker, Yaron Ben-Zvi
  • Patent number: 10713641
    Abstract: The invention relates to a mobile device that enables a user to send a digital tip to a recipient as a standalone transaction, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, executing a mobile application, the processor coupled to memory and programmed to: identify whether the mobile device is near a service provider based on a geofence (or other boundary); display a prompt on the mobile device to send a tip to a mobile device of the service provider in response to the mobile device's proximity to the service provider and a prior service interaction which is independent of an underlying transaction; transmit a tip message informing the service provider of the tip and debit an amount of the tip from an account associated with a consumer.
    Type: Grant
    Filed: September 10, 2015
    Date of Patent: July 14, 2020
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Lionel Nicolau, Ajinkya P. Joglekar, Manning R. Field
  • Patent number: 10713716
    Abstract: Systems and methods are provided for generating a search query based on received user data to perform an internet search using the search query. The systems and methods further extract data from internet search results from the internet search using the search query, generate internet search income records from the extracted data, generate income records from one or more databases comprising income records, and combine the internet search income records and the generated income records from the one or more databases to form combined income record results. The systems and methods further identify candidate income records from the combined income record results, extract features from each candidate income record for generating an income prediction, and generate the income prediction using a machine learning model to predict an income, based on the extracted features from the candidate income records.
    Type: Grant
    Filed: July 24, 2018
    Date of Patent: July 14, 2020
    Assignee: Airbnb, Inc.
    Inventors: Chirag Mahapatra, Kedar Bellare
  • Patent number: 10650374
    Abstract: A system, method, and computer program product are provided for implementing high performance digital wallets. In use, a digital wallet with a plurality of transactions to process is identified. Further, a plurality of digital proxy-wallets are associated with the digital wallet. Additionally, digital currency from the digital wallet is allocated to the plurality of digital proxy-wallets. Moreover, the plurality of transactions are automatically processed in parallel utilizing the plurality of proxy-wallets such that the transactions are processed against the digital wallet.
    Type: Grant
    Filed: October 22, 2015
    Date of Patent: May 12, 2020
    Assignees: AMDOCS DEVELOPMENT LIMITED, AMDOCS SOFTWARE SYSTEMS LIMITED
    Inventors: Ajeet Singh, Naresh Chandra Miriyala, Ali Badiei, Peter Dimopoulos, Martin T J Balderstone
  • Patent number: 10614452
    Abstract: A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: April 7, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner
  • Patent number: 10579973
    Abstract: One embodiment provides a system that facilitates efficient processing of requests related to a database. During operation, the system receives, by a server, a request to transfer an amount in to an account of a user, wherein the account is visible to the user and corresponds to a record in a database. The system selects one of a plurality of shadow accounts that correspond to the account, wherein a shadow account is not visible to the user. The system locks the selected shadow account, which prevents any changes to be made to the corresponding record in the database. The system modifies a balance of the selected shadow account by adding the amount to be transferred in to a current balance of the selected shadow account.
    Type: Grant
    Filed: January 15, 2016
    Date of Patent: March 3, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Chunmao Zhu
  • Patent number: 10467703
    Abstract: A browser extension for facilitating a user of a mobile device obtaining an insurance rate quote for a vehicle (or other property, real or personal) from an insurance provider, wherein vehicle information identifying the vehicle is provided on a webpage. The browser extension searches the webpage for vehicle information identifying one or more vehicles. The user is prompted to select the vehicle(s) for which the insurance rate quote is desired from a list of the vehicles is found on the webpage. The browser extension passes the vehicle information for the selected vehicle to a program application. The program application obtains user information useful for generating the insurance rate quote. Based upon the vehicle information and the user information, the program application generates and displays for the user the insurance rate quote for the vehicle. Additionally, the user may be similarly offered a loan and/or an extended warranty for the vehicle.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: November 5, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventor: Jeffery L. Olson
  • Patent number: 10360560
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authenticating a wearable device for transaction queuing. The system enables a user to pre-authenticate the wearable device and utilize the pre-authenticated wearable device to execute one or more transactions, from a pending transaction queue, without requiring additional authentication credentials for each transaction. In this regard, the system is configured to receive limits associated with the use of the wearable device and enable the user to initiate a transaction associated with a transaction terminal. Furthermore the system may suggest one or more suitable locations of transaction terminals. The system may then place the transaction in a pending transaction queue and transmit a notification to the user indicating that the transaction has been processed.
    Type: Grant
    Filed: September 1, 2015
    Date of Patent: July 23, 2019
    Assignee: Bank of America Corporation
    Inventor: Matthew K. Bryant
  • Patent number: 10249002
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: April 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson