Patents Examined by Edward J Baird
  • Patent number: 11948198
    Abstract: A computer-implement method and computer system may be configured to facilitate insurance claim processing and estate handling. An audible or visible chatbot avator or dopplegänger may lead a trustee, beneficiary, or family member through the estate of an impaired or deceased user. A computer system may have been provided with, or gather, sample voice and visual recordings associated with a user that are used to build the chatbot avatar that simulates the user audibly and/or visually. The computer system may have previously prompted the user for necessary items to properly handle their estate, such as information related to financial accounts, loans, insurance policies, etc. and user names and passwords to various electronic accounts.
    Type: Grant
    Filed: November 4, 2020
    Date of Patent: April 2, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Edward W. Breitweiser, Brian A. Steigerwald, Shreeti Banerjee, Larry Ingrum
  • Patent number: 11941590
    Abstract: A token issuance method in a blockchain system includes, transaction parties associated with a transaction for transfer of a right regarding an asset, and an executing party to execute the transaction, and the nodes sharing, as a token, an execution function for a transaction regarding the asset, and information of the asset, the token issuance method including: causing an information processor to generate, information including executing party information, a transaction initiation determination function to, in response to receipt a request for execution of a transaction by the executing party from a predetermined transaction party, perform a process of determining whether to execute the transaction depending on determining whether the request for execution designates the executing party indicated by the executing party information, and a transaction execution function to execute the transaction based on the request for execution, and execute payment of a reward to a right holder.
    Type: Grant
    Filed: June 21, 2019
    Date of Patent: March 26, 2024
    Assignee: double Inc.
    Inventors: Hironobu Ueno, Naohito Tamaya
  • Patent number: 11928731
    Abstract: A method for virtual floor trading implemented via an exchange system includes establishing a secure connection with a first market participant and transmitting, to a first to a computing device associated with a first market participant, data causing a graphical user interface (GUI) of the computing device to render a graphical representation of a virtual trading floor associated with the exchange system. The method also includes receiving a first order and transmitting, to a second computing device associated with a second market participant, data causing a GUI of the second computing device to render a second graphical representation of the virtual trading floor comprising a first virtual trader associated with the first market participant. The method includes receiving, from the second computing device, a second order, determining that the second order matches the first order, and executing a transaction based on the first order and the second order.
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: March 12, 2024
    Assignee: Cboe Exchange, Inc.
    Inventors: Scott Paul Pedersen, Jordan Newmark
  • Patent number: 11922412
    Abstract: A system for data object compression and reduction includes to implement, in accordance with obtained optimization constraint data, an optimization procedure configured to determine an optimal set of adjustments to a set of data objects that maximizes reduction of both a data set aggregate magnitude and a data link composite magnitude for at least one pair of a plurality of data sources, the optimal set of adjustments including an offset of multiple data objects of data objects of same data object type and opposite polarity, and to store data indicative of the optimal set of adjustments to the set of data objects.
    Type: Grant
    Filed: July 24, 2020
    Date of Patent: March 5, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Peter Mattias Palm, Jesper Lars Wilhelm Hermodsson, Sven Marcus Dahlin, Carl Erik Thornberg
  • Patent number: 11887075
    Abstract: A method for conducting monetary and financial transactions in an economy by treating amounts as collections of distinct individual, minimal, and indivisible units of account, each of which has a persistent identity and history throughout its lifecycle. A method is disclosed for conducting monetary transactions on the basis of appending the record of relationship between each individual unit of account and its respective owners throughout the lifecycle of the unit. Further, a method is disclosed for identifying the units in binary computer notation and assigning specific informational content to each unit by designating various sub-sections within the binary identifier of each unit to hold specific information and values relevant to the unit.
    Type: Grant
    Filed: September 3, 2020
    Date of Patent: January 30, 2024
    Inventor: Vadim Sobolevski
  • Patent number: 11887115
    Abstract: A system for validating the integrity of blockchain transactions prior to such transactions being added to the electronic blockchain using, in part, an automated, protocol-based methodology is disclosed. Use of such a system circumvents current costly consensus mechanisms for validating transactions prior to inclusion onto the underlying electronic blockchain. In a preferred embodiment, the disclosed system may be implemented within blockchain environments where the transacting parties “trust” each other where trust may be evidenced in different ways. In such an example, the system provides an automated, protocol-based validation of transactions that have been approved by the transacting parties, such that record of the validated transaction may be appended to a blockchain.
    Type: Grant
    Filed: April 17, 2017
    Date of Patent: January 30, 2024
    Inventors: Jeff Stollman, Martin Mateev
  • Patent number: 11875315
    Abstract: The present disclosure provides a currency settlement method and apparatus. The currency settlement method includes: settling with a mining node that acquired a first virtual currency according to a workload performed by the mining node and an income type of the mining node; according to a settlement currency type, transacting with an exchange institution to exchange an amount in the first virtual currency into an amount in a second virtual currency, the second virtual currency being the settlement currency type; and transferring the amount of the second virtual currency to an account.
    Type: Grant
    Filed: May 20, 2020
    Date of Patent: January 16, 2024
    Inventor: Lingchao Xu
  • Patent number: 11861705
    Abstract: System and method for aggressively trading a spread trading strategy in an electronic environment are provided herein. According to the example embodiments, a trader may configure the automated trading tool to trade as aggressively as possible by leaning on a price without an associated quantity. This allows a trader to possibly obtain a more profitable price as well as get filled faster. Traders submit an order for a spread and the automated trading tool calculates the quote order price based on a defined level of aggressiveness, the leaned on price, and the desired spread price. Based on the level of defined aggressiveness and the gap in the market, the automated trading tool may lean on a mildly, moderately, or extremely aggressive price.
    Type: Grant
    Filed: June 20, 2022
    Date of Patent: January 2, 2024
    Inventors: Nicholas G Kontos, Sagy Pundak Mintz, Alexander D. Deitz
  • Patent number: 11861699
    Abstract: In some examples, a system receives first transaction data for first transactions processed by a payment service, and uses a first model to determine, based on the first transaction data, that a probability of default for a user of the payment service satisfies a threshold. The system generates, based on a first financing factor, a first offer of credit for the user, and sends the first offer to the user. The system determines, based on third party information, that the user has additional income, and receives, from one or more of the third-party systems, second transaction data indicating the additional income. The system uses a machine learning model included in the first model to determine a second financing factor based on the second transaction data, and generates, based on the first financing factor and the second financing factor, a second offer of credit to send to the user.
    Type: Grant
    Filed: October 8, 2021
    Date of Patent: January 2, 2024
    Assignee: BLOCK, INC.
    Inventors: Juan Ignacio Santa Cruz Masoni, Philip Spanoudes, Melissa Doerken, Jerome Weiss
  • Patent number: 11854004
    Abstract: A device may receive a preauthorization associated with missed transaction prevention for a transaction account of a user, wherein the missed transaction prevention involves preventing a missed transaction associated with merchant accounts of the user. The device may monitor a transaction log of the transaction account and identify a transaction pattern associated with a merchant account based on a plurality of historical transactions identified in the transaction log related to the merchant account. The device may determine that a historical transaction of the plurality of historical transactions is not designated for automatic execution and that an execution of an upcoming transaction corresponding to the plurality of historical transactions is not scheduled. The device may cause an account transaction associated with the upcoming transaction to be automatically executed before a transaction period expiration, associated with the merchant account, passes.
    Type: Grant
    Filed: May 18, 2020
    Date of Patent: December 26, 2023
    Assignee: Capital One Services, LLC
    Inventors: Austin Walters, Jeremy Goodsitt, Galen Rafferty, Vincent Pham, Anh Truong
  • Patent number: 11847691
    Abstract: A user's credit score is determined based at least in part upon collected telematics data and user data associated with the user. A credit score prediction model is created using training datasets of historical data including demographics data, driver profile data, and established credit scores. The credit score prediction model is then used to predict credit scores for users without formal credit scores. A user's credit score is predicted based at least in part upon a driver profile built using telematics data, among other factors.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: December 19, 2023
    Assignee: BLUEOWL, LLC
    Inventor: Michael Sungjun Kim
  • Patent number: 11836820
    Abstract: There is disclosed a PIN entry device (PED) for electronic Point of Sale (EPOS) transactions. In addition to the usual PED functionality, the PED disclosed herein allows feedback from a user to be obtained in response to a question. The PED comprises an alphanumeric display for displaying text to a user, a numeric keypad and one or more function keys. The PED is configured to operate to display text to the user on the alphanumeric display to prompt a response from the user. The displayed text corresponds to approved text and unapproved text. The PED is configured to accept responses entered on the numeric keypad or one or more function keys in response to approved text, and to accept only a single key press response when prompted by a display of unapproved text. A corresponding method is also disclosed.
    Type: Grant
    Filed: November 2, 2015
    Date of Patent: December 5, 2023
    Inventors: Georgina Nelson, Peter Salmon
  • Patent number: 11830073
    Abstract: An electronic trading system (ETS) implements risk mitigation methods for orders and quotes associated with a market participant on the ETS. The methods determine a measure of risk associated with one or more trading positions. One of the methods globally counts the number of breaches of risk thresholds associated with a trading symbol and market participant across all matching engines on the ETS over a rolling time period, and if this global risk counter exceeds a maximum, disables all further trades by the market participant on the ETS. Another method limits the number of automatic re-enablements that a market participant can request in response to prior breaches of risk thresholds that resulted in disabling any further trading by the market participant on the ETS.
    Type: Grant
    Filed: April 8, 2022
    Date of Patent: November 28, 2023
    Assignee: NYSE Group, Inc.
    Inventor: Amy Joy Farnstrom
  • Patent number: 11830077
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving an indication that a vehicle has been in a collision. Receiving vehicle information system (VIS) data from a VIS associated with the vehicle. Determining a component damage probability (CDP) for each of a plurality of components of the vehicle based on the VIS data. Determining estimated costs to replace components having respective CDPs above a threshold value. Providing an estimated total repair cost for the vehicle to a user computing device.
    Type: Grant
    Filed: January 26, 2021
    Date of Patent: November 28, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kevin K. Fiedler, Bradly Jay Billman
  • Patent number: 11823280
    Abstract: A computer implement method that assist healthcare payers in identifying potentially fraudulent claims and which requests confirmation preferably from a healthcare provider or patient of services rendered by the healthcare provider or products received by the patient. Confirmation of equipment and services can occur at different times in the settlement process including, but not limited to, prior to payments being made to health care providers.
    Type: Grant
    Filed: January 18, 2022
    Date of Patent: November 21, 2023
    Assignee: PIONETECHS, INC.
    Inventor: Bruce Howard Kusens
  • Patent number: 11823258
    Abstract: Apparatuses, systems, methods, and computer program products are disclosed for aggregation based credit decisions. An apparatus includes a data module configured to receive transaction data for a user that is aggregated from a plurality of different third-party data sources where the user has accounts. An apparatus includes an analysis module configured to analyze aggregated transaction data using machine learning to determine a credit metric describing a credit worthiness of a user. An apparatus includes a credit module configured to provide a determined credit metric to one or more interested third parties.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: November 21, 2023
    Inventor: John Ryan Caldwell
  • Patent number: 11797989
    Abstract: Systems and methods are provided for verifying recurring transactions to payment accounts. One exemplary method includes initially receiving an authorization request for a transaction to a payment account and involving a merchant, where the authorization request includes a recurring payment indicator. The method also generally includes transmitting, by at least one computing device, a verification request to a consumer associated with the payment account, and inhibiting, by the at least one computing device, at least one or authorization or clearing of the transaction until a verification of the transaction, based on a direction from the consumer, is recognized, whereby the consumer is able to verify the transaction before the transaction is cleared.
    Type: Grant
    Filed: February 14, 2019
    Date of Patent: October 24, 2023
    Inventor: Brian Vienravee
  • Patent number: 11790354
    Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.
    Type: Grant
    Filed: July 1, 2021
    Date of Patent: October 17, 2023
    Inventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Kushank Rastogi, David Samuel Tax, Milos Dunjic, Arthur Carroll Chow, Armon Rouhani, Maryam Karbasi, Kamana Tripathi, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11769356
    Abstract: A collision is analysed by receiving telematics data relating to a collision and determining a feature of the collision. An entity may be notified of said collision based on the determined features.
    Type: Grant
    Filed: November 16, 2018
    Date of Patent: September 26, 2023
    Assignee: Xtract360 Ltd
    Inventors: Michael Flanagan, Joseph Hitchen, Cillian Bourke
  • Patent number: 11763269
    Abstract: Diagnosing vehicle anomalies efficiently is dependent upon the expertise of the repair technician, but also the availability of resources. As vehicles have become increasingly computerized, repair technicians have become increasingly specialized in a smaller number of vehicle models. Dealerships and large repair shops have an advantage in that they can more easily afford to obtain specialized electronic tools. However, repair technicians in smaller repair shops often are more skilled, but are unable to afford access to advanced electronic tools and software. A system for using remotely located resources to improve the diagnosis and resolution of vehicle anomalies, including the use of expert technicians and vehicle-specific databases, is disclosed.
    Type: Grant
    Filed: March 7, 2022
    Date of Patent: September 19, 2023
    Assignee: Opus IVS, Inc.
    Inventors: Robert U. Beckmann, Michael Kirlauski, Andrew Woodard