Patents Examined by Frantzy Poinvil
  • Patent number: 11120512
    Abstract: A method and system for generation of a customized financial document template in a financial management system, according to one embodiment. The method and system includes receiving a financial document that includes a plurality of data entries, according to one embodiment. The method and system includes mapping the plurality of data entries to a plurality of data fields of the financial management system, according to one embodiment. Mapping the plurality of data entries includes identifying characteristics of each of the plurality of data entries, and determining a relevance of the plurality of the data fields to the plurality of the data entries, at least partially based on the characteristics of the plurality of data entries, according to one embodiment. The method and system includes populating a custom financial document template, at least partially based on the mapping of the plurality of data entries to the plurality of data fields.
    Type: Grant
    Filed: December 28, 2017
    Date of Patent: September 14, 2021
    Assignee: Intuit Inc.
    Inventors: Bala Dutt, Rahul Vankudothu, Prabhat Hegde, Anurag Tyagi, Sunil Tandra Sishtla, Sandeep Gupta
  • Patent number: 11120435
    Abstract: Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s).
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: September 14, 2021
    Assignee: Intercontinental Exchange Holdings, Inc.
    Inventor: Jerry Perullo
  • Patent number: 11113740
    Abstract: A system comprising a computer-readable storage medium storing at least one program, and a computer-implemented method for enhancing and personalizing an interactive marketplace. The method may include receiving one or more images depicting one or more products owned by a user and identifying the one or more products based on a comparison of the one or more images to a product database. The method may further include determining a market value for each of the one or more products. In response to determining the market value of at least one product exceeds a predefined threshold value, an alert is transmitted to a computing device of the user.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: September 7, 2021
    Assignee: eBay Inc.
    Inventors: Michael George Lenahan, Ben Lucas Mitchell, Chahn Chung, Myra Sandoval, Timothy Sean Suglian, Matthew Bret MacLaurin, James Ross Skorupski, Jesse Wolfe, Hsin-Yi Chien, Marie Jeanette Floyd Tahir, Jai Dandekar, Healey Cypher
  • Patent number: 11113686
    Abstract: A computer-implemented method includes receiving a request for a financial transaction between a mobile wallet of a user and a merchant; generating a displayable and scannable transaction code; sending the transaction code to one of a mobile device or the merchant for the other of the mobile device and the merchant to scan to request a transfer of funds from the mobile wallet of the user to the merchant; generating a verification request to confirm the information included in a transfer request; receiving a verification response confirming the information included in the transfer request; and transferring funds to the merchant upon receiving the verification response.
    Type: Grant
    Filed: August 20, 2018
    Date of Patent: September 7, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 11107076
    Abstract: The disclosed embodiments provide a system that verifies user access to accounts.
    Type: Grant
    Filed: March 13, 2018
    Date of Patent: August 31, 2021
    Assignee: INTUIT, INC.
    Inventor: Andrew B. Firstenberger
  • Patent number: 11107158
    Abstract: One embodiment of a system for automatically generating code for attributes includes a credit bureau data that store stores credit bureau convention information and an attribute generation system that communicates with the credit data store to detect rules associated with respective credit bureaus.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: August 31, 2021
    Assignee: Experian Information Solutions, Inc.
    Inventors: Hua Hu, Luz M. Torrez
  • Patent number: 11107175
    Abstract: An approach is provided for performing ride-sharing functions based on joint motion using multiple sensor data. The approach, for example, involves retrieving a joint motion prediction indicating whether at least two devices are traveling in a same transportation vehicle. The joint motion prediction is computed based on sensor data collected from the at least two devices using at least one sensor type from among a plurality of sensor types. Each sensor type of the plurality of sensor types is associated with a respective joint motion classifier configured to compute a sensor-type joint motion prediction that is used for generating the joint motion prediction. The approach also involves initiating a ride-sharing function for respective users of the at least two devices based on the joint motion prediction.
    Type: Grant
    Filed: November 12, 2019
    Date of Patent: August 31, 2021
    Assignee: HERE Global B.V.
    Inventors: Silviu Zilberman, Herman Ravkin, Daniel Schmidt, Harel Primack, Natalia Skorokhod, Ofri Rom
  • Patent number: 11107163
    Abstract: A system for presenting operational data is disclosed. The system includes a storage element to store a plurality of insurance policies and a product designer module to: maintain an insurance product model that specifies possible configurations of insurance policy products associated with the plurality of insurance policies; obtain operational data pertaining to a set of existing insurance transactional data associated with the insurance policies; and present to be displayed: at least a portion of the insurance product model comprising a set of insurance product model elements and at least some of the operational data corresponding to the set of insurance product model elements.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: August 31, 2021
    Assignee: Guidewire Software, Inc.
    Inventors: Benjamin David Brantley, Diana Elizabeth Jaffe
  • Patent number: 11100587
    Abstract: A system and method for implementation and maintenance of a dynamic goals-based investment portfolio. The system and method receive information from an investor, related to the individual goals they wish to achieve while avoiding personalized risk, and construct a portfolio to meet these goals. The system then continues to monitor the markets and interact with the investor to continuously adjust the portfolio holdings to maximize the likelihood that the portfolio will meet the investor's individual goals.
    Type: Grant
    Filed: January 22, 2020
    Date of Patent: August 24, 2021
    Assignee: Franklin Advisers, Inc.
    Inventors: Sanjiv R. Das, Daniel Ostrov, Anand Radhakrishnan, Deep R. Srivastav
  • Patent number: 11094010
    Abstract: A trading platform for trading financial instruments that provides the ability to manage customer credit limits, assess credit risks, and provide clearing certainty of trades. In an exemplary embodiment, the trading platform includes computer software modules and provides graphical user interfaces to handle the process of assessing credit risk, obtaining clearing certainty from a clearing member prior to trade execution, and providing notices of the existence or absence of clearing certainty with regard to particular trade requests.
    Type: Grant
    Filed: October 4, 2017
    Date of Patent: August 17, 2021
    Assignee: Tradeweb Markets LLC
    Inventors: Elisabeth Kirby, Kevin Hill, Ian Stocks
  • Patent number: 11093923
    Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.
    Type: Grant
    Filed: June 24, 2019
    Date of Patent: August 17, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
  • Patent number: 11094006
    Abstract: Disclosed is a system and a method for communicating with a financial institution over a communication network to manage payments of payee initiated by a sender. The system includes a database for storing plurality of modules, a central server for monitoring and updating the plurality of modules, a processing unit processes the plurality of modules. The plurality of modules includes a notification module, a payee module and a payment process module. The notification module allows the sender to send a payment summary to each payee. The payee module allows the payee to upload payee's details in the central server, to select a mode of payment to receive the payment, to input banking details of the financial institution. The payment process module processes the payment as per the mode selected by the payee in the payee module, further processes the payment via cheque mode if the payee fails to update the mode of payment in a pre-defined duration.
    Type: Grant
    Filed: March 25, 2020
    Date of Patent: August 17, 2021
    Assignee: Bottomline Technologies, Inc.
    Inventors: Andrew Scarborough, Phillip Malone, Sean Glerum, Sandhya S. Pillalamarri, Melissa Mikulski, William Cashman
  • Patent number: 11087280
    Abstract: Methods and media for predicting responses to discovery questions while interviewing a user. Embodiments of the invention begin by collecting information about the user from various sources. Factors affecting likely responses to discovery questions are identified and a score for each discovery question is determined. These scores may be adjusted as additional information is gathered and as the user answers other interview questions. Then, for each discovery question, the score is compared to a first threshold. If the score is above that first threshold, then the discovery question can be skipped. Otherwise the score is compared to a second, lower threshold. If the score is above that threshold, the likely answer to the discovery question can be presented to the user to confirm. Otherwise, the discovery question is presented to the user to answer.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: August 10, 2021
    Assignee: HRB Innovations, Inc.
    Inventor: Eric R. Roebuck
  • Patent number: 11087312
    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.
    Type: Grant
    Filed: September 12, 2019
    Date of Patent: August 10, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: James Gregory Ronca, Gregory Joseph Lloyd, Tony England, Stephen Philip Selfridge
  • Patent number: 11087311
    Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.
    Type: Grant
    Filed: December 11, 2018
    Date of Patent: August 10, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin M. Sahni, Nikolai Stroke
  • Patent number: 11074578
    Abstract: Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.
    Type: Grant
    Filed: June 5, 2019
    Date of Patent: July 27, 2021
    Assignee: Visa International Service Association
    Inventors: Krishna Prasad Koganti, Mark Douglas McGee, David Tseselsky, Brendan Xavier Louis
  • Patent number: 11068900
    Abstract: Disclosed are an electronic device and method. The electronic device includes a display, a memory, and a processor. The processor executes the method, including storing in the memory a first electronic purchase history recording purchase of a first product, and associated first settlement information, displaying a user interface for a second purchase of the first product using at least one of the first electronic purchase history and the first settlement information, in response to receiving an input to the user interface, transmitting a request to execute a second purchase of the first product to an external server, and storing, in the memory, a second electronic purchase history and second settlement information corresponding to the second purchase.
    Type: Grant
    Filed: December 28, 2017
    Date of Patent: July 20, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Jung-Jik Lee, Hye-Rim Bae
  • Patent number: 11055773
    Abstract: An online marketplace system generates an online marketplace for seller-financed transactions. The system includes a plurality of listings of transaction offerings that are available. The transaction offerings are listed by a plurality of users and are from a plurality of different categories of products and services. The transaction offerings include a plurality of transaction terms, including payment and seller-financing terms. A transaction engine facilitates the negotiation of transaction terms between users and the formation of agreement between users. Transaction coins are awarded during the successful performance of a transaction according to the agreed upon transaction terms. A reputation engine generates trust profiles and trust scores for users. The trust profiles and trust scores are used by parties to evaluate the trustworthiness of the other party. A user interface engine generates a user interface that includes listings from users and trust scores of those users.
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: July 6, 2021
    Inventor: Mark V. Dziuk
  • Patent number: 11055681
    Abstract: Apparatuses, methods, and computer-readable media are provided for determining site-related reimbursement amounts for vendors. The apparatus includes a processor in communication with an attraction verification terminal for an attraction site. The processor is configured to receive, from the attraction verification terminal, an access request for a customer having an access identifier. The processor is configured to determine and validate access privilege data for the customer and referral data for a plurality of vendors based on the access request and access identifier. The processor is configured to transmit, to the attraction verification terminal, a virtual access token permitting the customer to access the attraction site upon a determination that the access privilege data is valid. The processor is configured to determine a reimbursement amount for the plurality of vendors based on the referral data and the access identifier.
    Type: Grant
    Filed: June 27, 2019
    Date of Patent: July 6, 2021
    Assignee: ZM Ventures LLC
    Inventors: Allan Gruen, Boris Yudasin
  • Patent number: 11049078
    Abstract: Methods and systems for automatically mitigating risks of damage caused by the breaking of a circuit are provided. A smart home controller and/or insurance provider remote processor may analyze data received from a smart device disposed on, within, or proximate to a property associated with monitoring the flow of electricity. If it is determined that a risk of damage due to the flow of electricity being cut off repeatedly exists, the smart home controller or remote processor may automatically generate a repair request to schedule a repair event that mitigates the risks. The smart home controller may transmit information about the risks to a homeowner and/or an insurance provider. The insurance provider remote processor may interpret the transmitted data and perform insurance activities, such as providing a discount or premium, and/or adjusting an insurance policy associated with the property based upon the insured property being equipped with risk mitigation functionality.
    Type: Grant
    Filed: April 24, 2019
    Date of Patent: June 29, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Jackie O. Jordan, II, John Donovan, David Turrentine, Torri Wollenschlager, Bryan R. Nussbaum, Deanna Stockweather, Jeffrey W. Stoiber, Kerstin Markwardt, Gail L. Carlson, Kyle C. Schiebel, Troy Winslow, Joseph P. Harr, Ellakate Wagner, Michael Harris, Jr., Jennylind Sun