Patents Examined by Gerald C Vizvary
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Patent number: 10134017Abstract: A system and method for performing a financial transaction by determining a master account number associated with one or more accounts that a user may access, providing data to generate a user interface displaying a list of the accounts and an indicator associated with a financial transaction, receiving indicator information associating the indicator with one or more of the accounts, receiving terms for the financial transaction, and performing the financial transaction. The list of accounts may be expanded to view account information.Type: GrantFiled: September 3, 2010Date of Patent: November 20, 2018Assignee: Capital One Services, LLCInventors: Betsy Ebersole, Julio Farach, Jill Sorg, Donald Jeffery Smith, Hector Crespo, Lynn Jackson
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Patent number: 10049375Abstract: A system is disclosed that identifies early adopter users by creating a directed graph of item access information for an item category and performing a page rank type process on the item access information. This directed graph may be created in a reverse temporal order. The early adopter users can be identified as the users with nodes in the directed graph that have a threshold number or rate of incoming links directly or indirectly pointing towards the nodes. Using the early adopter users as a sample, systems herein can determine whether to recommend an item based on the popularity of the item with respect to the early adopter users. Further, systems herein can determine an inventory level to maintain for an item based on the popularity of the item with respect to the early adopter users.Type: GrantFiled: March 23, 2015Date of Patent: August 14, 2018Assignee: Amazon Technologies, Inc.Inventors: Giovanni Zappella, Marcel Ackermann, Rodolphe Jenatton, David Spike Palfrey, Samuel Theodore Sandler
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Patent number: 8078525Abstract: A method is provided for a service provider to automate service tasks for a client where the client would otherwise need to perform the tasks. The method can be implemented using computers and the internet, where a web site is provided that the client can access for information and/or calculations. Where the client is a lender making a loan to a borrower, who wishes to purchase real or personal property from a seller, the client provides customer information to the service provider who in turn provides documents for execution by the borrower and the seller. After auditing the information received, the service provider advises the client whether to make the loan. If the loan is made, the client disburses proceeds to the seller and/or to a pre-existing lienholder and an amount to the service provider, who sends information to a governmental entity for recording a lien on the property.Type: GrantFiled: April 26, 2007Date of Patent: December 13, 2011Assignee: Vintek, Inc.Inventor: Lawrence Highbloom
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Patent number: 8024216Abstract: Computer implemented method and system for improving demand forecasting by estimating the hidden demand at an occurrence of a sellout using a single parameter probability distribution with a parameter assuming a forecasted mean demand value derived from a statistical seasonal causal time series forecasting model of count data on a new data set of sales values excluding truncated sales values at occurrences of sellouts. The present invention also provides for new more accurate performance evaluation techniques together with new performance metrics for evaluating an actual draw and for comparing a recommended draw to an actual draw.Type: GrantFiled: June 18, 2008Date of Patent: September 20, 2011Assignee: Demantra Ltd.Inventors: Michael Aronowich, Sofia Mariamova, Ofra Natan, Henry Harel
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Patent number: 7882009Abstract: The present invention is a reverse auction/lease and review/evaluation method to be used on the Internet. The method permits quantitative analysis of competitive leasing offers according to financial fundamentals and lessee defined qualitative variables and their relative weighting. The invention includes multiple Internet displayable screens which depict and permit inclusion of quantitative and qualitative variables as defined by the lessee. The invention also includes a scoring system by which the lessee can objectively and quantitatively measure competitive bids of prospective lessors participating in a reverse auction conducted on the Internet.Type: GrantFiled: January 14, 2002Date of Patent: February 1, 2011Inventor: Donald R. Fralic
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Patent number: 7856385Abstract: A system and method provides electronic management and processing of bankruptcy-related claims and payments. The method includes receiving loan servicer data from a loan servicer portfolio. The method also includes receiving trustee data from a repository of trustee information. The method includes comparing one or more data fields related to the claims from the service provider data to corresponding one or more data fields related to the claims from the trustee data and assigning a score to the comparison results for the data fields related to the claims based on one or more business rules. The method includes calculating the total score for the comparison results for the claims, designating the claim as being valid if the total score for the claim is greater or equal to a predetermined value, and designating the claim as being invalid if the total score for the claim is less than a predetermined value.Type: GrantFiled: September 7, 2007Date of Patent: December 21, 2010Assignee: National Default Exchange LPInventors: Elizabeth I. Petr, Eric L. Donowho, Robert W. Brasiel, Rajinder M. Singh
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Patent number: 7848830Abstract: A system (10) for carrying out transactions between a customer at a customer station (14, 21, 202, 204) and a service provider at a service provider station (12, 194), includes transferring items through transaction devices such as pneumatic carrier delivery and receiving device (21, 200) and a deal drawer (20, 208). The customer at the customer station provides inputs corresponding to a financial account through input devices on the body which is stored in the memory (82, 158) on the body. After transfer to the service provider station, data in the memory is output to a charge device (56) which is operative to assess a charge to the customer's account responsive to data output from the memory. Vehicle sensors (230, 234) sense a vehicle adjacent the respective transaction device. At least one computer calculates at least one time value corresponding to each vehicle and stores the at least one time value and other data values concerning the respective transaction.Type: GrantFiled: July 9, 2007Date of Patent: December 7, 2010Assignee: Diebold, IncorporatedInventors: Neil Gromley, Dustin Cairns, Mike Lawver, Rodney J. Reese, B. Scott Harroff
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Patent number: 7844517Abstract: Weather metrics data and a weather factor relationship knowledgebase are received and used to forecast the weather-based demand. The weather factor relationship knowledgebase can be a weather-impact model. The weather-impact model can comprise at least one of an empirical scoring matrix, a weather indices template, and a proxy model conditions template. The weather-impact model can be derived from an analysis of normalized proxy sales history data. Optionally, the weather-based demand can be scaled, deaggregated, or both.Type: GrantFiled: November 12, 2003Date of Patent: November 30, 2010Assignee: Planalytics, Inc.Inventors: Michael A. Willen, David G. Estornell, William E. Kirk, Eli H. Miller, Paul E. Walsh
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Patent number: 7844522Abstract: One embodiment of the present invention provides a system that monitors and verifies a transfer of financial settings. During operation, the system receives a request to transfer a set of financial settings from an initial account to a destination account. In response to the transfer request, the system transfers the financial settings and then monitors the initial account following the transfer to determine whether any subsequent transactions occur. If so, the system analyzes each subsequent transaction to determine whether the subsequent transaction is associated with the transferred financial settings. By monitoring and analyzing subsequent transactions, the system verifies the success of the transfer.Type: GrantFiled: October 30, 2007Date of Patent: November 30, 2010Assignee: Intuit Inc.Inventor: Spencer W. Fong
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Patent number: 7814003Abstract: An automated billing workflow system receives credit valuation adjustment (CVA) amounts associated with derivatives trades. The automated billing workflow system interacts with an Accounting System in order to make appropriate Profit and Loss (P&L) entries for the CVA amounts. The CVA amounts are billed to the business units which actually created the risk. The invention employs a plurality of Workflow Queues. As an item makes it way through the billing workflow, it may be slotted in one or more of these queues where further action will take place.Type: GrantFiled: February 6, 2004Date of Patent: October 12, 2010Assignee: JP Morgan ChaseInventors: Harold Miller, Julian Mark Toghill, Tuan Pham