Patents Examined by Eric T Wong
  • Patent number: 10311440
    Abstract: The disclosure provides systems and methods for increasing the security of financial transaction devices and other places of value. Increased security is provided by analysis of a plurality of sensor and other inputs, and formulation of context-sensitive response plan involving the most probably effective response agents.
    Type: Grant
    Filed: May 24, 2016
    Date of Patent: June 4, 2019
    Assignee: International Business Machines Corporation
    Inventors: Osamuyimen Stewart, Komminist Weldemariam
  • Patent number: 10290054
    Abstract: The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination.
    Type: Grant
    Filed: June 23, 2014
    Date of Patent: May 14, 2019
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Xiao Hong, Xiaolan Song, Xin Dong, Huchen Fei, Lihua Wang
  • Patent number: 10290055
    Abstract: According to some embodiments, systems, methods, apparatus, computer program code and means are provided to encode data in a text message and to send the text message to a mobile device associated with a user.
    Type: Grant
    Filed: April 21, 2006
    Date of Patent: May 14, 2019
    Assignee: Refinitiv US Organization LLC
    Inventors: Mans Olof-Ors, David Lehr
  • Patent number: 10282712
    Abstract: A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification.
    Type: Grant
    Filed: December 16, 2013
    Date of Patent: May 7, 2019
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Stanley M. DeVan, Jr., Steve Markwell, Deborah Myers
  • Patent number: 10275749
    Abstract: Tracking of data processing usage of a workload is initiated, within a virtualized environment, comprising one or more globalization characteristics, wherein the at least one globalization characteristic requires conversion by at least one globalization service managed by a virtualization service provider of the virtualized environment. The at least one globalization characteristic is detected. At least one usage metric of the data is tracked during data processing of the workload request. The globalization usage data is output comprising an identifier for the at least one application, an identifier for the at least one globalization characteristic, and the at least one usage metric to identify a particular amount of overhead during data processing based on the at least one globalization characteristic.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: April 30, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Wu S. Fang, Su Liu, Michael S. Ly
  • Patent number: 10275737
    Abstract: A user device may request an account type identifier that identifies an account type associated with the user device. The user device may receive the account type identifier based on requesting the account type identifier. The user device may compare the account type identifier and a set of account type identifiers corresponding to a set of user device configurations to be enabled or disabled by the user device based on the account type identifier. The user device may enable a first subset of user device configurations, included in the set of user device configurations that are associated with the account type identifier. The user device may disable a second subset of user device configurations, included in the set of user device configurations that are not associated with the account type identifier.
    Type: Grant
    Filed: December 14, 2015
    Date of Patent: April 30, 2019
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Zhengfang Chen, Masudur Rahman, Farook Kaleem, Samirkumar Patel
  • Patent number: 10269011
    Abstract: Configuring a plurality of security isolated wallet containers on a single mobile device includes configuring at least one mobile transaction platform-specific application programming interface for facilitating access to secure mobile transaction platform resources by a wallet container executing on a mobile device; disposing a plurality of distinct wallet containers in a memory of the mobile device, wherein each wallet container interfaces with secure mobile transaction platform resources via the at least one application programming interface; disposing at least one service provider-specific wallet in each of the plurality of distinct wallet containers; and enforcing service-provider specific wallet security by a distinct wallet container accessing a portion of the secure mobile transaction platform resources via the at least one application programming interface.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: April 23, 2019
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Satyan G. Pitroda, Nehal Maniar
  • Patent number: 10269065
    Abstract: A system for processing bill payments from a consumer to one or more creditors may provide the consumer with a credit report and options to make payments on tradelines present on the credit report. The system may also report the payment information to one or more credit bureaus. Additionally, the system may automatically identify the consumer's accounts, enroll the consumer in online bill payment with creditors, provide account alerts, recommend payments, provide access to electronic statements, and/or provide contextual action buttons for the consumer's accounts.
    Type: Grant
    Filed: July 13, 2016
    Date of Patent: April 23, 2019
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Mark Joseph Kapczynski, Michael John Dean
  • Patent number: 10262365
    Abstract: Methods and computerized exchange systems 100 for processing trade orders are disclosed. In the computerized exchange system 100, a sequencer 130 is configured to sequence incoming order entry messages for thereby putting incoming order entry messages in a sequenced order and to send, from the sequencer, order entry message(s) in a sequenced order to a plurality of order book engines 120a-c. Upon receipt of the sequenced order entry message(s) in the various order book engines 120-c, the plurality of order book engines process the sequenced order entry message(s) substantially in parallel. Various embodiments of the disclosed methods and computerized exchange systems allow for better performance, e.g. in terms of lower latency.
    Type: Grant
    Filed: April 16, 2012
    Date of Patent: April 16, 2019
    Assignee: Nasdaq Technology AB
    Inventor: Kandan Venkataraman
  • Patent number: 10255996
    Abstract: Systems and methods of using collected data to provide business intelligence functionality and/or information are disclosed. In an example, healthcare information system data (such as billing system data) may be extracted or accessed, and transaction data from multiple information systems may be aggregated. In an example, electronic operations for transformation and processing of healthcare transaction data may include receiving healthcare transaction data, creating an aggregate set of healthcare transaction data, evaluating conditions associated with the aggregate set of healthcare transaction data, generating aggregated healthcare transaction information for display, receiving a user-selected indication in response to the display, and transmitting electronic transaction requests to effect transactions resulting from the user-selected indication.
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: April 9, 2019
    Assignee: iVinci Partners, LLC
    Inventors: Kent F. Ivanoff, Vincent Martino, Nikolaus Trotta
  • Patent number: 10242326
    Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
    Type: Grant
    Filed: October 11, 2013
    Date of Patent: March 26, 2019
    Assignee: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
  • Patent number: 10242405
    Abstract: Systems and methods are provided for processing mass quote messages and generating market data. A mass quote message is received and individual orders are parsed and processed. Individual market data messages are stored in a market data message buffer. After all orders are processed, the contents of the market data message buffer is distributed as a single market data message.
    Type: Grant
    Filed: December 3, 2013
    Date of Patent: March 26, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ron Newell, Vijay Menon, Fred Malabre, Joe Lobraco
  • Patent number: 10242368
    Abstract: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.
    Type: Grant
    Filed: October 17, 2012
    Date of Patent: March 26, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Thomas S. Poole
  • Patent number: 10235672
    Abstract: Payment information and user input to serve as authorization to perform a transaction using the payment information can be obtained from a remote user having a client computing device. A merchant can send a request for payment information and authorization over a network to any device having a browser and touch screen or other means for receiving user input. A user interface having overlaid fields can be used to receive the payment information in a secure manner that prevents the payment information from being stored on the client computing device. An input area can also be displayed within the browser on the user's device. When the user inputs a signature (or other authorization information) into the input area, the signature can be routed over a network back to the merchant to provide authorization for a transaction.
    Type: Grant
    Filed: November 14, 2013
    Date of Patent: March 19, 2019
    Assignee: Zukunftware, LLC
    Inventor: Volker Neuwirth
  • Patent number: 10223750
    Abstract: Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may use a demographic classification for a given user along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory. Finally, the optimized inventory analysis server may recommend incentives on products/services sold by third party entities and may further recommend incentives on insurance products for insuring items purchased by a given user.
    Type: Grant
    Filed: September 20, 2013
    Date of Patent: March 5, 2019
    Assignee: Allstate Insurance Company
    Inventors: William Loo, Stephen Hughes, James Gillespie, Jennifer A. Brandmaier, Daniel Koza
  • Patent number: 10210500
    Abstract: A system, method, and computer-readable storage medium to determine a table location of a payment cardholder within a restaurant, to enable automatic bill receipt for the table.
    Type: Grant
    Filed: September 23, 2014
    Date of Patent: February 19, 2019
    Assignee: Mastercard International Incorporated
    Inventor: Rahul Deshpande
  • Patent number: 10204341
    Abstract: A method for addition of a block to a permissioned blockchain using efficient consensus includes: generating a Merkle root for received transaction messages and hashing the header of the most recent block in a blockchain; hashing a new header consisting of the Merkle root and prior block hash; sending the new header to auditing nodes; receiving approval of the new header from a majority of auditing nodes; informing the auditing nodes of the approval of the new header; and providing the new header and a digital signature to each consensus node for writing of a new block to the blockchain that includes the new header and the received transaction messages.
    Type: Grant
    Filed: May 24, 2016
    Date of Patent: February 12, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Steven Charles Davis
  • Patent number: 10204377
    Abstract: An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations. A technique is disclosed for suppression of the calculation and/or subsequent listing of an implied order when the order is either undesired or unnecessary in the market therefore.
    Type: Grant
    Filed: June 27, 2012
    Date of Patent: February 12, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Brian M. Wolf, John F. Curran, James W. Farrell, Paul J. Callaway, Barry L. Galster, Andrew Milne, Giuseppe Scimeca, Pearce Peck-Walden, James Wilcox
  • Patent number: 10176476
    Abstract: A platform for performing secure personalized transactions in a multi-domain ecosystem includes a personalization tier that enables service provider personalization for one or more ecosystem elements stored on a mobile device. Further, the platform includes an enabling tier for facilitating interoperation between the personalization tier and a client device. The platform further includes a service tier that may be operating independently of the enabling tier and may enable service delivery for a plurality of services.
    Type: Grant
    Filed: June 4, 2013
    Date of Patent: January 8, 2019
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Satyan G. Pitroda, Nehal Maniar
  • Patent number: 10176528
    Abstract: A computer system includes a data storage module which receives, stores, and provides access to determinate data, raw indeterminate data, and extracted indeterminate data captured by an indeterminate data capture module. The computer system also includes a computer processor, a model training component, and a screening module. The model training component generates the predictive model based upon historical determinate and indeterminate data, and continuously adapts the predictive model with new historical data. The screening module categorizes current claims according to whether they are suitable for predictive analysis by the predictive model. The predictive model is applied to the current claims suitable for predictive analysis to determine a value for each claim indicative of whether the current claim transaction is questionable. The system also includes an output device which outputs the determined value for each claim, and a routing modules which routes claim workflow based on the outputted values.
    Type: Grant
    Filed: June 24, 2016
    Date of Patent: January 8, 2019
    Assignee: Hartford Fire Insurance Company
    Inventors: Jonathan Kaleb Adams, John Albert McGoldrick, James Dominic Ruotolo