Patents Examined by David P Sharvin
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Patent number: 11907919Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: February 1, 2021Date of Patent: February 20, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
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Patent number: 11908010Abstract: A computer implemented method for determining implied orders in an electronic trading system is provided. The method comprises receiving a first set of one or more real orders, wherein the orders are not tradable against each other. One or more implied orders are identified within the first set of real orders. Market data corresponding to the implied orders can also be identified. At least one additional order is received and the tradability of the additional order is determined against the real or implied orders within the first set of real orders. A resting set of orders is determined from those real and implied orders within the first set of orders not affected by the tradability of the additional order. Implied orders are determined from within the set of resting orders.Type: GrantFiled: November 29, 2021Date of Patent: February 20, 2024Assignee: New York Mercantile Exchange, Inc.Inventors: Andrew Milne, Aleksandr Sedlin
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Patent number: 11908029Abstract: A machine and process for managing restrictions of a wireless device associated with an inmate service account. The machine and process include a kiosk operable to exchange data with the wireless device, including limited-use restrictions related to: an inmate associated with the inmate service account, a correctional facility, and/or a parole requirement. The kiosk may also unlock the wireless device when the inmate is released from the correctional facility by removing the limited-use restrictions from the wireless device.Type: GrantFiled: July 12, 2021Date of Patent: February 20, 2024Assignee: TouchPay Holdings, LLCInventors: Charles Craig Bullard, David DuWayne Wise, Stephen Lee Hodge
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Patent number: 11900464Abstract: An automated method for resolving a debtor's debt obligation to a creditor uses a rating algorithm that implements predictive analytics to determine an anticipated amount for which the creditor will settle the debt. A debt purchase amount to be offered to the Debtor to have a third-party entity fully assume the Debtor's debt obligation is calculated based on the anticipated amount for which the creditor will settle the debt and operating costs and profit margin of the third-party entity. An offer to the Debtor to have the third-party entity fully assume the Debtor's debt obligation for the debt purchase amount is generated and sent with a document indicating that the Debtor has agreed to transfer the Debtor's debt obligation to the third-party entity pursuant to the offer. The creditor is notified that the third-party entity has assumed responsibility for the Debtor's debt obligation and resolved the Debtor's debt obligation.Type: GrantFiled: November 19, 2018Date of Patent: February 13, 2024Inventor: Kevin Flynn
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Patent number: 11900387Abstract: The disclosure herein describes providing transaction retry notifications to merchants based on monitored account usage. An insufficient funds message of a first transaction is received that indicates the first transaction includes a payment to be provided to a merchant from an account and that the account has insufficient funds for the first transaction. An account identifier of the account is stored and a transaction message of a second transaction associated with the account is detected based on the stored account identifier. The transaction message indicates that the account has sufficient funds for the second transaction. Based on detecting the transaction message, a transaction retry notification is sent to the merchant, whereby the merchant is notified that the account with which the first transaction is associated includes a quantity of funds. The disclosure enables merchants to optimize the timing or retrying failed transactions and thereby reduce costs associated with transaction retries.Type: GrantFiled: October 20, 2020Date of Patent: February 13, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Lisa-Marie Braun, Zachary Nusbaum
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Patent number: 11900462Abstract: A processor may receive and analyze client information. The processor may automatically generate at least one form specification based on the analyzing, the at least one form specification being in a format useable by an external form generation service. The processor may send the at least one form specification to the external form generation service and receive at least one signable form from the external form generation service. The processor may receive at least one signed copy of each at least one signable form. The processor may automatically establish at least one account with at least one external service based on the at least one signable form.Type: GrantFiled: August 30, 2017Date of Patent: February 13, 2024Assignee: The Athene GroupInventor: Sanjeev Kumar
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Patent number: 11893556Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: May 3, 2021Date of Patent: February 6, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch
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Patent number: 11893557Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: May 7, 2021Date of Patent: February 6, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
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Patent number: 11893555Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: March 15, 2021Date of Patent: February 6, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
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Patent number: 11887079Abstract: A method and system for central hub reconciliation is disclosed. The central hub reconciliation can provide for improved methods of reconciliation between a buyer (e.g., a request realization party) and a supplier (e.g., a request originating party). A central hub server may receive a data file comprising remittance data and payment data from a request realization computer. The remittance data is associated with a request provided from a request originating computer to the request realization computer. The central hub server ay then generate a unique identifier for the data file, and provide the payment data and the unique identifier to an authorizing entity computer requesting payment on behalf of the request realization computer. The central hub provides the remittance data and the unique identifier to the request originating computer which updates a repository using the payment data and the remittance data upon finding a match.Type: GrantFiled: March 9, 2021Date of Patent: January 30, 2024Assignee: Visa International Service AssociationInventors: Alexander Godshall, Ximena Bellido Hoefken, Juliette Metzger, Khyati Shah, Saurabh Chopra
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Patent number: 11875343Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) security. A method includes detecting, by the ATM, an intruder proximate the ATM using sensed detection information, determining intruder type information based on the sensed detection information, transmitting the intruder type information to a provider computing system, receiving an instruction to use a level of security defense measure based on the intruder type information, using the level of security defense measure, monitoring a movement of the intruder in response to the level of security defense measure, and in response to the movement of the intruder, determining whether to use an increased level of security defense measure.Type: GrantFiled: September 13, 2021Date of Patent: January 16, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Dennis E. Montenegro
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Patent number: 11875320Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: September 21, 2020Date of Patent: January 16, 2024Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
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Patent number: 11868978Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: May 7, 2021Date of Patent: January 9, 2024Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Fernando Alfaro, Jeremy Moore, Robert Haberstroh
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Patent number: 11869073Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).Type: GrantFiled: September 1, 2021Date of Patent: January 9, 2024Assignee: United Services Automobile Association (USAA)Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
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Patent number: 11861574Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: March 15, 2021Date of Patent: January 2, 2024Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jerry Scheller
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Patent number: 11847623Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: May 6, 2021Date of Patent: December 19, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro
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Patent number: 11847582Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: May 7, 2021Date of Patent: December 19, 2023Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Jeremy Moore, Fernando Alfaro, Robert Haberstroh
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Patent number: 11847581Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: November 6, 2020Date of Patent: December 19, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Bill Demchak, Mecal McDade, Todd Tkach, Scott Braun
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Patent number: 11842404Abstract: A computer-implemented method includes receiving from a telemetric apparatus carried by a first vehicle an identity of an operator of the first vehicle and kinematic data characterizing movement and first location of the first vehicle. At least one weather condition associated with the first location is received from a source of environmental data. At least one of terrain geometry of the first location, road speed limit at the first location, vehicle-to-infrastructure (V2I) data generated by an instrument proximate the first location, and vehicle-to-vehicle (V2V) data generated by an instrument proximate the first location is received from a source of location-specific data. The data received by the first communication device is stored in a database. Data from the database is provided to at least one entity.Type: GrantFiled: December 30, 2019Date of Patent: December 12, 2023Assignee: SPEEDGAUGE, INC.Inventors: Christopher J. Carver, Kevin Wolsey
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Patent number: 11842300Abstract: A system and computer-implemented method detect and act upon operator reliance to vehicle alerts. The system and method include receiving user profile data of an operator that includes a baseline of at least one driving activity aided by activation of an alert from a feature of an Advanced Driver Assistance System (ADAS). The system and method may include receiving historical ADAS alert frequency data including a history of at least one driving activity aided by activation of the alert from the ADAS feature. The system and method may compare the user profile data with the historical ADAS alert frequency data, determine a reliance level based upon the comparing, and set at least a portion of an operator profile associated with the operator with the reliance level. As a result, a risk averse driver, and/or proper responsiveness to vehicle alerts may be rewarded with insurance-cost savings, such as increased discounts.Type: GrantFiled: August 13, 2020Date of Patent: December 12, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Kristopher Keith Gaudin, Andrew Joseph Zeglin, Joseph Harr, Aaron Williams, Craig Cope