Patents Examined by Frantzy Poinvil
  • Patent number: 10268982
    Abstract: A method, system, and computer program product provides efficient matching of shipments with carriers and real time online tracking of shipments. The method includes receiving a carrier input that includes a desired end destination of an equipment of the carrier, and a processor locating at least one available shipment having one of (i) a shipment pick-up point within a pre-established, shipment pick-up zone and (ii) a shipment delivery point within an acceptable shipment drop-off zone of the desired end destination. The processor dynamically determines and maps an optimal route and generates and displays an available shipment (AV) user interface (UI), with a complete route for the equipment from a desired starting point to the desired end destination. The processor then calculates and provides, via the AV UI, an opportunity cost of the shipment, based in part on a total number of empty miles associated with the route.
    Type: Grant
    Filed: May 16, 2016
    Date of Patent: April 23, 2019
    Assignee: Overhaul Group, Inc.
    Inventors: Robert Clarke, Ronald Greene, Barry Conlon
  • Patent number: 10262362
    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: February 10, 2015
    Date of Patent: April 16, 2019
    Assignee: Experian Information Solutions, Inc.
    Inventors: Hua Hu, Luz M. Torrez
  • Patent number: 10262359
    Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a status display device connected to a network in a home or office environment. The status display may be configured to provide a constant status indicator, to provide a user with a quick and simple account status, without the need for multi-step login and verification processes. The status display may receive account status information from a server, the account status information excluding sensitive information identifying the user or the account. The status display may provide colored indicators to inform the user of their financial situation while reducing security risks and reducing processing capability requirements, thereby allowing for a simple status display device that can be placed throughout a household or integrated into common household items.
    Type: Grant
    Filed: October 22, 2015
    Date of Patent: April 16, 2019
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, Alex L. Niderberg
  • Patent number: 10248963
    Abstract: There is provided a method of generating on a computer a prioritized listing of customers. The method includes establishing a data communications link to a database including financial payment information related to a financial transaction of an existing vehicle of each customer. The method includes retrieving an existing payment amount based upon the financial payment information. The method includes calculating a new payment amount. The method further includes deriving a payment difference score based upon a difference between the existing payment amount and the new payment amount. The method includes determining a behavior factor. The method includes deriving on a computer a behavior score based upon the behavior factor. The method includes determining a purchase behavior prediction score based upon the payment difference score and the behavior score. The method further includes ranking each customer based upon the determined purchase behavior prediction score.
    Type: Grant
    Filed: April 30, 2015
    Date of Patent: April 2, 2019
    Assignee: AUTOMOTIVEMASTERMIND, INC.
    Inventors: Marco G Schnabl, Johannes Gnauck
  • Patent number: 10242362
    Abstract: Systems and methods permit secure and convenient provisional account creation for use in conducting payment transactions. The provisional account does not include sensitive data, thereby mitigating risk to a consumer's financial account if the provisional account were compromised. In one embodiment, a computing device associated with a financial service provider receives customer and customer device information. The provider computing device performs a verification analysis and a fingerprint analysis to authenticate the customer's identity and the customer device authenticity. The provider device also receives an access request message seeking authorization for an identity management service (“IdM”) to interface with the provider device. The provider device generates an access decision message indicating an approval or disapproval of an authorization request.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: March 26, 2019
    Assignee: Bank of the Ozarks
    Inventors: Trevor Burgess, Marcio deOliveira
  • Patent number: 10235668
    Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.
    Type: Grant
    Filed: April 25, 2012
    Date of Patent: March 19, 2019
    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: 10235838
    Abstract: A voucher ticket system and method of use employing a bill validator installed into any suitable automated machine, including an Automated Teller Machine (ATM), a gaming machine, etc. The bill validator is integrated with a bill reader, a voucher ticket reader, a reader to obtain an electronic voucher ticket from a portable computing device, a printer, and any other supporting peripheral devices. The method processes a deposit, a withdrawal, a transfer and a management of a financial balance of each account. The electronic money handling terminal and the electronic money transaction server communicate through an electronic money handling terminal interface. Upon recognition of an electronic money account of a gaming player, the system receives a voucher ticket master ID issued by a voucher ticket management system at the cash-out, and proceeds with a cash out event to the electronic money account.
    Type: Grant
    Filed: September 29, 2015
    Date of Patent: March 19, 2019
    Assignee: JCM American Corporation
    Inventor: Yuichiro Tsutsui
  • Patent number: 10229457
    Abstract: Apparatus for stimulating trading in a limited-liquidity financial instrument are provided. One the method may include receiving a trade of liquidity for the limited-liquidity financial instrument. The receiving may include receiving a first order. The first order may correspond to a price and volume associated with a pre-determined bid-offer spread. The order may be executable only in conjunction with a counterorder that trades with the first order and includes a commitment to make a two-way market in the financial instrument at the predetermined bid-offer spread. In certain embodiments, when the first order is received from a first entity and the counterorder is received from a second entity, the method may also include receiving a bid price and an offer price from a second entity. The method may also include receiving an instruction from the first entity to select one of the bid and the offer and to execute a trade therewith.
    Type: Grant
    Filed: May 11, 2015
    Date of Patent: March 12, 2019
    Assignee: GFI GROUP INC.
    Inventors: Francesco Cicero, Simon Prest
  • Patent number: 10210497
    Abstract: A method for a server performing a wireless payment transaction is disclosed. The method comprises providing a server web page or native application including options for a user selecting a role as payer or payee; requesting information from the payee including a transaction ID provided by the server; requesting information from the payer including the transaction ID; initiating an authorization of the transaction on a credit or debit account of the payer; initiating a transaction to credit the payee's account; and completing the transaction with the payer by initiating the offline clearing of the transaction.
    Type: Grant
    Filed: April 6, 2011
    Date of Patent: February 19, 2019
    Assignee: OnDot Systems, Inc.
    Inventors: Vaduvur Bharghavan, Jari Malinen, Rajinder Singh, Jason Fieldman, Rachna Ahlawat, Kannan Konath, Sandeep Gilotra
  • Patent number: 10210518
    Abstract: A system for evaluating risk in an electronic banking transaction by estimating an aggregated risk value from a set of risk factors that are either dependent or independent of each other, comprising: user input means for enabling an end user to provide authentication information related to a desired electronic banking transaction; financial institution authentication means for authenticating that an end user is authorized to conduct the desired electronic transaction; risk computation means for imposing authentication requirements upon the end user in adaptation to a risk value of the desired banking electronic banking transaction; transaction session means for tracking an amount of time that the desired electronic banking transaction is taking; and financial institution transaction means for storing data related to the desired electronic banking transaction.
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: February 19, 2019
    Inventor: Abdullah Abdulaziz I. Alnajem
  • Patent number: 10192217
    Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving a receipt; extracting identifying information from the receipt; associating the receipt with a transaction based on the identifying information extracted from the receipt; and displaying the receipt and the receipt data.
    Type: Grant
    Filed: August 20, 2014
    Date of Patent: January 29, 2019
    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: 10185958
    Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.
    Type: Grant
    Filed: November 21, 2012
    Date of Patent: January 22, 2019
    Assignee: SQUARE, INC.
    Inventors: William Henderson, Jack Dorsey, Brian Grassadonia, Mathew Wilson
  • Patent number: 10185996
    Abstract: Provided are a method and a system for predicting stock fluctuation prediction. A system for predicting stock fluctuation according to an embodiment of the present invention includes: a data collector and a preprocessor collecting news and KOSPI data and extracting words from the collected news through stopword removal and morphologic analysis, a sentiment dictionary constructor selecting sentiment words and calculating sentiment values of the sentiment words to construct a sentiment dictionary of a stock domain required for stock prediction, and a stock fluctuation prediction model constructor predicting fluctuation of a closing price of a next day to a closing price of a current day by combining a prediction model using the constructed sentiment dictionary and an ARIMA prediction model using the KOSPI data.
    Type: Grant
    Filed: July 15, 2016
    Date of Patent: January 22, 2019
    Assignee: FOUNDATION OF SOONGSIL UNIVERSITY INDUSTRY COOPERATION
    Inventors: Soo Won Lee, Jang Yun Um
  • Patent number: 10176523
    Abstract: An order management system and method are provided for automated management of the trading activity between a buy-side firm and sell-side firm. A trade rotation list is defined that governs trades. Items on the trade rotation list are defined by at least one characteristic that is used to match a trade by assigning a sequence number to that trade. An eligibility policy and a rotation method can be defined for each trade list. The rotation method rotates the sequence in which sponsors receive block trades, so that sponsors alternate the advantage of trading first. A trade route within an order management system comprises a trade context and an allocation context. One of the trade context or allocation context or both are referenced by metadata characteristics. If the trade route references a context by name, then the trade order is routed to the trade proxy associated with the context.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: January 8, 2019
    Assignee: Vestmark, Inc.
    Inventors: Heeren H Pathak, Ladislav Kis, Neal Hartmann
  • Patent number: 10169756
    Abstract: A computer-implemented system and method includes receiving a first geographic location of a mobile device when a mobile wallet transaction is initiated, receiving a second geographic location of the mobile device after the mobile wallet transaction is initiated, comparing the first and second geographic locations to ensure a match, permitting the mobile device to process the mobile wallet transaction upon determining that the first and second geographic locations of the mobile device are within a predefined distance of each other, and transferring funds to a merchant after verifying that the second geographic location of the mobile device is within a predetermined distance of a location of the merchant.
    Type: Grant
    Filed: December 30, 2016
    Date of Patent: January 1, 2019
    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: 10169818
    Abstract: Systems and methods for routing trade orders based on exchange latency are disclosed. An example method includes measuring a first latency associated with a first exchange based on a processing time of a first trade order; and routing a second trade order from a trading device to one of the first and a second exchange based on the first latency.
    Type: Grant
    Filed: January 26, 2016
    Date of Patent: January 1, 2019
    Assignee: Trading Technologies International, Inc.
    Inventor: Patrick Joseph Rooney
  • Patent number: 10169826
    Abstract: A computer-implemented method for generating explanations for a tax calculation or operation performed by tax preparation software is disclosed. A computing device executes a tax calculation engine in connection with the tax preparation software and operates on a tax calculation graph to perform a tax calculation. The tax calculation graph semantically describes data dependent tax operations comprising functional nodes connected to input nodes by one of a plurality of functions, wherein each tax operation is associated with one or more explanations. An explanation engine is executed to generate a narrative explanation from the one or more explanations associated with one of the tax operations and is presented to the user on the computing device.
    Type: Grant
    Filed: October 31, 2014
    Date of Patent: January 1, 2019
    Assignee: INTUIT INC.
    Inventors: Gang Wang, Kevin M. McCluskey, David A. Hanekamp, Jr., Daniel P. Dunbar, Steven J. Atkinson, Michael A. Artamonov, Peter Lubczynski, Matthew A. Brincho, Kyle J. Ryan
  • Patent number: 10163159
    Abstract: A computer system configured to generate data to provide an interactive graphical interface for display on a remote user device is configured to provide an interactive graphical interface including first and second screen areas, and icons for user manipulation, each icon corresponding to a user goal. Icons corresponding to user goals of a first set are displayed within the first screen area, and icons corresponding to user goals of the second set are displayed in the second screen area. A gap is calculated and displayed based on data associated with icons and stored data. Responsive to receipt of data indicative of drag and drop movement of an icon between the first and second screen areas, the gap is recalculated and a resized gap is displayed.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: December 25, 2018
    Assignee: Hartford Fire Insurance Company
    Inventors: David A. Calibey, John D. Diehl, Lori A. LaForge, Eric F. Truntz
  • Patent number: 10163097
    Abstract: A method and system are proposed for financial purchase transactions between a merchant and an employee in possession of a contactless credential device such as a proximity card ordinarily used for access to commercial facilities as in the case of electronically controlled doors and the like. The merchant is provided with a contactless reader device adapted to discern credential device codes.
    Type: Grant
    Filed: July 28, 2016
    Date of Patent: December 25, 2018
    Assignee: Mastercard International Incorporated
    Inventor: Ravi Pareek
  • Patent number: 10147143
    Abstract: In a computer-implemented method of roofing material identification, image data corresponding to one or more images of roofing materials may be received. The image data may be processed to determine pertinent characteristics of the roofing materials. The determined characteristics and a characteristics database storing data indicative of associations between a plurality of roofing material products and characteristics of the plurality of roofing material products, may be used to identify a roofing material product associated with the pertinent characteristics. An indication of the identified roofing material product may be provided (e.g., to facilitate claim processing).
    Type: Grant
    Filed: December 13, 2016
    Date of Patent: December 4, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Douglas L. Dewey, Rosemarie Geier Grant, Joshua M. Mast, Taryn M. Madey, Sharon Gibson