Patents Examined by Frantzy Poinvil
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Patent number: 11107158Abstract: 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: GrantFiled: March 18, 2019Date of Patent: August 31, 2021Assignee: Experian Information Solutions, Inc.Inventors: Hua Hu, Luz M. Torrez
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Patent number: 11107175Abstract: 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: GrantFiled: November 12, 2019Date of Patent: August 31, 2021Assignee: HERE Global B.V.Inventors: Silviu Zilberman, Herman Ravkin, Daniel Schmidt, Harel Primack, Natalia Skorokhod, Ofri Rom
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Patent number: 11100587Abstract: 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: GrantFiled: January 22, 2020Date of Patent: August 24, 2021Assignee: Franklin Advisers, Inc.Inventors: Sanjiv R. Das, Daniel Ostrov, Anand Radhakrishnan, Deep R. Srivastav
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Patent number: 11094006Abstract: 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: GrantFiled: March 25, 2020Date of Patent: August 17, 2021Assignee: Bottomline Technologies, Inc.Inventors: Andrew Scarborough, Phillip Malone, Sean Glerum, Sandhya S. Pillalamarri, Melissa Mikulski, William Cashman
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Patent number: 11094010Abstract: 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: GrantFiled: October 4, 2017Date of Patent: August 17, 2021Assignee: Tradeweb Markets LLCInventors: Elisabeth Kirby, Kevin Hill, Ian Stocks
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Patent number: 11093923Abstract: 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: GrantFiled: June 24, 2019Date of Patent: August 17, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Tyler Locke, Kevin Kelly, David Wurmfeld
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Patent number: 11087312Abstract: 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: GrantFiled: September 12, 2019Date of Patent: August 10, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: James Gregory Ronca, Gregory Joseph Lloyd, Tony England, Stephen Philip Selfridge
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Patent number: 11087311Abstract: 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: GrantFiled: December 11, 2018Date of Patent: August 10, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin M. Sahni, Nikolai Stroke
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Patent number: 11087280Abstract: 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: GrantFiled: March 31, 2017Date of Patent: August 10, 2021Assignee: HRB Innovations, Inc.Inventor: Eric R. Roebuck
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Patent number: 11074578Abstract: 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: GrantFiled: June 5, 2019Date of Patent: July 27, 2021Assignee: Visa International Service AssociationInventors: Krishna Prasad Koganti, Mark Douglas McGee, David Tseselsky, Brendan Xavier Louis
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Patent number: 11068900Abstract: 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: GrantFiled: December 28, 2017Date of Patent: July 20, 2021Assignee: Samsung Electronics Co., Ltd.Inventors: Jung-Jik Lee, Hye-Rim Bae
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Patent number: 11055681Abstract: 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: GrantFiled: June 27, 2019Date of Patent: July 6, 2021Assignee: ZM Ventures LLCInventors: Allan Gruen, Boris Yudasin
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Patent number: 11055773Abstract: 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: GrantFiled: July 3, 2019Date of Patent: July 6, 2021Inventor: Mark V. Dziuk
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Patent number: 11049078Abstract: 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: GrantFiled: April 24, 2019Date of Patent: June 29, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: 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
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Patent number: 11030701Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may be also configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.Type: GrantFiled: June 27, 2019Date of Patent: June 8, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Joseph Robert Brannan, Brian N. Harvey, Ryan Michael Gross, J. Lynn Wilson, Matthew Eric Riley, Sr.
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Patent number: 11030685Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: GrantFiled: October 22, 2015Date of Patent: June 8, 2021Assignee: AFFIRM, INC.Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11030688Abstract: Methods, devices, and systems for facilitation of communication between participants of an electronic marketplace involve receiving a message generated from a market participant and transmitting the message to other market participants. The facilitation also involves receiving responses to the message from the other market participants and transmitting the responses to the message originating market participant such that the transmitted response is imperceptible to the other market participants.Type: GrantFiled: August 7, 2014Date of Patent: June 8, 2021Assignee: Chicago Mercantile Exchange Inc.Inventors: Daniel Judson, Prashant Kumar
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Patent number: 11017373Abstract: A system comprising: a first mobile phone and a second mobile phone, the first mobile phone having a first digital wallet, the second mobile phone having a second digital wallet including a first payment card, the first mobile phone being capable of directly connecting with the second mobile phone via a wireless communication connection. The first mobile phone send to the second mobile phone a first request for obtaining a first data related to the first payment card. In response to the first request, the second mobile phone send directly to the first mobile phone via the wireless communication connection, the first data. The first mobile phone add the first payment card into the first digital wallet based on the received first data.Type: GrantFiled: May 31, 2017Date of Patent: May 25, 2021Assignee: HUAWEI TECHNOLOGIES CO., LTD.Inventors: Guoqing Li, Jingqing Mei
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Patent number: 11010749Abstract: An electronic device and a payment processing method in the electronic device are provided. The electronic device includes a memory configured to store first payment means information corresponding to a first payment means and second payment means information corresponding to a second payment means, and a processor electrically connected with the memory, wherein the processor is configured to execute a first application associated with the first payment means by activating the first payment means information, obtain a request to execute a second application associated with the second payment means, while the first application is executed, and deactivate the first payment means information based on at least the request.Type: GrantFiled: January 13, 2017Date of Patent: May 18, 2021Inventors: Tae Kyoung Park, June Yeob Kim, Seung Hwan Choi, Ki Bong Kim
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Patent number: 11010829Abstract: A device may determine a behavioral pattern of an account over a past time period based on data relating to one or more transactions associated with the account. The device may identify one or more quantitative features of the behavioral pattern and one or more spatial features of the behavioral pattern. The device may determine an account type cluster to which the account belongs, based on the one or more quantitative features and the one or more spatial features identified. The device may determine, based on the account type cluster that is determined, a model for processing the behavioral pattern. The device may predict, using the model that is determined, an amount of funds that is likely to remain in the account during a future time period. The device may perform one or more actions based on the amount of funds that is predicted.Type: GrantFiled: June 24, 2019Date of Patent: May 18, 2021Assignee: Accenture Global Solutions LimitedInventors: Anutosh Maitra, Shubhashis Sengupta, Abhisek Mukhopadhyay, Shilpi Jain, Sarabjit Singh Gugneja, Leonardo Orlando