Patents Examined by Gregory Johnson
  • Patent number: 9398423
    Abstract: A method of determining vehicle entry information for a user includes obtaining a yaw measurement using a mobile device, determining, using a processor, a first time span associated with a user entering a vehicle, and determining, using the processor, a second time span associated with a user exiting the vehicle. The method also includes determining that a change in magnitude over a portion of the yaw measurement is greater than a predetermined threshold over at least one of the first time span or the second time span and determining an angular change of the yaw measurement over the predetermined threshold. The method further includes associating right hand entry with the vehicle entry information if the angular orientation of the yaw measurement is clockwise and associating left hand entry with the vehicle entry information if the angular orientation of the yaw measurement is counter-clockwise.
    Type: Grant
    Filed: December 23, 2013
    Date of Patent: July 19, 2016
    Assignee: TRUEMOTION, INC.
    Inventors: Brad Cordova, Joe Adelmann
  • Patent number: 9307884
    Abstract: Systems and techniques for graphically representing a commercial deal by defining entities, assigning roles for relating entities, accessing commercial deal information corresponding to the entities, defining objects for related entities, and automatically generating a visual representation depicting a relationship between entities involved in a commercial deal.
    Type: Grant
    Filed: January 27, 2003
    Date of Patent: April 12, 2016
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Don Coleman, Jeff Dodson, Noel F. Fouts, Michael I. Matheson
  • Patent number: 9299069
    Abstract: Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.
    Type: Grant
    Filed: May 2, 2013
    Date of Patent: March 29, 2016
    Assignee: Bank of America Corporation
    Inventors: Mark D. Felse, Theresa M. Brennan, Jr., Tessa R. Cooke, Lawrence E. Fouts, David T. Frew, Dewayne A. Furr, John B. Hall, Michele N. Hanshew, Nidhi Pinjani, James K. Benton
  • Patent number: 9292854
    Abstract: An electronic registration system facilitates authorized product returns. A retailer sales associate is prompted to enter individual product identification information such as an individual serial number. This individual product identification information is stored in a database, along with the date on which the product was sold and an appropriate UPC code, SKU number, or manufacturer code. A check digit algorithm may be used to verify the serial number prior to storage. A sales receipt may be imprinted with at least the date of the transaction and the serial number. When a product is returned, the retailer may cross-reference the serial number on the product with that on the receipt to verify the sales receipt. Otherwise, the database may be searched for sales information. A customer may also access a return authorization engine via the Internet to obtain return approval, an authorization number, return instructions, etc.
    Type: Grant
    Filed: December 9, 2013
    Date of Patent: March 22, 2016
    Assignee: e2interactive, Inc.
    Inventors: Peter J. Junger, Cassandra B. Shoecraft, David G. Koon
  • Patent number: 9213972
    Abstract: A method of completing transactions using a device includes displaying a pictogram including transaction details associated therewith by a merchant. The mobile device acquires the pictogram. The mobile device or a remote server decodes the transaction details. The mobile device displays for a user the decoded transaction details. If the decided transaction details are acceptable to the user, the user accepts, via the mobile device, the decoded transaction details. The mobile device transmits a confirmation of acceptance by the user to a remote server. The remote server transmits a payment request for the payment amount reflected in the transaction details to a payment gateway. The payment gateway validates the payment request. The merchant and the device receive a payment confirmation.
    Type: Grant
    Filed: July 30, 2012
    Date of Patent: December 15, 2015
    Inventors: Gregory Dorso, Rachad Alao
  • Patent number: 9152997
    Abstract: A computer-based method and system for buying and selling stocks and other securities. In general, the method creates an indicator for the purchase point or period and selling point or period for a stock. The method uses various technical indicators that converge to form zones, roughly in the form of triangles when viewed in a graphical display. A buy, sell, or take no action indicator is then determined based upon the comparison of price linear regression data to the other indicators described above. When the linear regression line or data at a point or for a period is greater than (i.e., above) all of the other indicators, this results in a buy indication. When the linear regression line or data at a point or for a period is lower than (i.e., below) all of the other indicators, this results in a sell indication.
    Type: Grant
    Filed: January 25, 2013
    Date of Patent: October 6, 2015
    Inventor: Robert M. Sellers, Jr.
  • Patent number: 9141996
    Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.
    Type: Grant
    Filed: March 10, 2014
    Date of Patent: September 22, 2015
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Scott T. Christensen, Gregory Hayward, Christopher E. Gay, Steven Cielocha, Todd Binion
  • Patent number: 9111272
    Abstract: A method and system for processing payment transaction at a computing device is provided. The method includes receiving a payment request at the computing device from a purchaser terminal, the payment request including purchaser information, determining whether payment information associated with the purchaser information exists at the computing device, and processing payment transaction using the payment information if it is determined that the payment information associated with the purchaser information exists at the computing device.
    Type: Grant
    Filed: March 25, 2010
    Date of Patent: August 18, 2015
    Assignee: BIZMODELINE CO., LTD.
    Inventors: Jae-Hyung Kim, Jong-Cheol Hong, Ho-Jong Jung, Jong-Min Yoon
  • Patent number: 9098877
    Abstract: A method for displaying a matrix of correlations or other statistical measures of co-movement associated with a plurality of financial instruments, portfolios, indices, or asset classes is disclosed. The method includes: converting the matrix of correlations or other co-movement measures into a probability transition matrix; defining a corresponding abstract distance measurement between any two of the plurality of financial instruments, portfolios, indices, or asset classes based on the probability transition matrix; assigning coordinates in a Euclidean space to each of the plurality of financial instruments, portfolios, indices, or asset classes, wherein a Euclidean distance between any two financial instruments, portfolios, indices, or asset classes in the Euclidean space corresponds to the corresponding abstract distance measurement; and displaying on a display device the plurality of financial instruments, portfolios, indices, or asset classes based on more significant dimensions of the Euclidean space.
    Type: Grant
    Filed: December 10, 2013
    Date of Patent: August 4, 2015
    Assignee: THE CAPITAL GROUP COMPANIES, INC.
    Inventor: Wesley Kym-Son Phoa
  • Patent number: 9100502
    Abstract: Increasing the security of online payment requests by introducing a dual-layer authentication system for accessing the funds and/or credit through payment cards is described. An additional check regarding the identity of a card user to be included within a traditional security protocols for these cards, wherein the additional check is based on an authentication channel which is external to the user's card. A device owned by the legitimate card owner certifies that the user of the card at any given instant is the legitimate owner of the card and not someone else. To process this additional information, a connection by means of a proximity based device is established.
    Type: Grant
    Filed: April 9, 2012
    Date of Patent: August 4, 2015
    Assignee: International Business Machines Corporation
    Inventors: Barbara Febonio, Sandro Piccinini
  • Patent number: 9082152
    Abstract: A numerical modelling apparatus and method of performing numerical modelling are described. An input unit receives signals giving information relating to a set of assets. A processor unit is arranged to provide a set of Risk Relation Matrices V? for set of investment horizons indicated by ?. Each of the Risk Relation Matrices V? comprises a plurality of elements, wherein each of the elements represents a relationship of risk related to a respective pair of the assets and each element is given by a scalar product of two risk vectors, such that each of the assets has an associated risk vector according to the elements of the risk relation matrix. The processor unit is arranged to decompose each of the Risk Relation Matrices V? into eigenvectors and eigenvalues according to V?=E?·??·E??, where, at each tenor ?, E? is a set of eigenvectors of the risk matrix V? in columns, ?? is the corresponding diagonal eigenvalue matrix, and E?? is the transpose of E?.
    Type: Grant
    Filed: November 16, 2010
    Date of Patent: July 14, 2015
    Inventor: Michael E. Mura
  • Patent number: 8990114
    Abstract: In a power interchange system, a power generated by a power generation device is interchanged between power consumers which receive an electric power supply from a power supply system. The amount of electric power sold by a power consumer is defined as an amount of selling power, and the amount of electric power that the power consumer demands from another electricity consumer is defined as an amount of purchasing power. Power interchange groups are formed, in which power consumers interchanges an electric power thereamong, and each power consumer is provided with a power control device which manages the electric power from the power generation device.
    Type: Grant
    Filed: November 2, 2010
    Date of Patent: March 24, 2015
    Assignee: Panasonic Intellectual Property Management Co., Ltd.
    Inventors: Masaaki Terano, Yoshitaka Ichii
  • Patent number: 8977570
    Abstract: Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval.
    Type: Grant
    Filed: May 21, 2013
    Date of Patent: March 10, 2015
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 8972295
    Abstract: Embodiments include methods for distributing visual display information related to a plurality of items to one or more display devices, and methods for rendering visual display information related to a plurality of items by a display device. Embodiments also comprise display devices, servers, and computer-readable media embodying one or more of these methods. Embodiments display of large data sets and associated statistics, such as trading activity of securities or other business statistics, on devices with limited-size display screen, e.g. smartphone or tablet. Embodiments enable visual navigation of large dynamic data sets via relative and absolute contextual statistics. Embodiments combine dynamic visual displays with a multi-tiered navigation structure, supporting more effective information gathering and processing across a variety of users with different objectives.
    Type: Grant
    Filed: May 23, 2012
    Date of Patent: March 3, 2015
    Assignee: Visible Market, Inc.
    Inventors: Jennifer Ellen Johnson, John Keoni Morris, Stephen Carl de Brun, Nicholas Langdon Gunther
  • Patent number: 8972298
    Abstract: Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant; selecting a financial account associated with the proxy account to fund the transaction; communicating a second payment request to authorize the transaction to a financial account system associated with the selected financial account, the second payment request comprising the merchant category code associated with the merchant; receiving an authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and communicating an authorization for the transaction to the merchant computing device in response to receiving the authorization for the transaction from the financial account system to fund the transaction using the selected financia
    Type: Grant
    Filed: January 30, 2014
    Date of Patent: March 3, 2015
    Assignee: Google Inc.
    Inventors: William Dennis Kunz, Mark William Andrews, Christopher Michael Petersen
  • Patent number: 8959031
    Abstract: One embodiment of the present invention relates to securities trading using electronic systems. Another embodiment of the present invention relates to a computer implemented trade execution method, comprising: sending from an execution venue to each of a plurality of smart order routers a notification message; receiving at each of the smart order routers the notification message sent thereto, wherein the notification message notifies each of the smart order routers about the presence of a non-displayed priced order at the execution venue; sending from at least one of the smart order routers to the execution venue at least one order to execute against the non-displayed priced order; receiving at the execution venue each order sent from each of the smart order routers; and executing at least one order received from at least one of the smart order routers against the non-displayed priced order.
    Type: Grant
    Filed: January 10, 2013
    Date of Patent: February 17, 2015
    Assignee: Liquidnet Holdings, Inc.
    Inventors: Seth I. Merrin, Steve Greenblatt, John Halloran, Ilya Gutman, Kevin Lupowitz
  • Patent number: 8949269
    Abstract: A system and method for coordinating and improving communication using a sponsored registry are disclosed. In one embodiment, the system includes a client search module and a client info retrieval module. The client search module receives a search request from a first provider including one or more search parameters associated with a client, searches one or more distributed sponsored databases based on the one or more search parameters, obtains search results from the one or more distributed sponsored databases including a search result associated with the client, wherein any particular client is sponsored by one sponsored database at most, and sends the search results for display to the first provider. The client info retrieval module receives a request for the client's data and information including the selection of the client from the search results and retrieves the client's data and information from the sponsored database.
    Type: Grant
    Filed: March 30, 2012
    Date of Patent: February 3, 2015
    Inventor: Gregory J. Wolff
  • Patent number: 8943001
    Abstract: A deferred payment authorization system that allows users to exercise an instant purchase, deferred payment option for online payment without providing payment information. multiple transaction costs for frequent or recurring purchases can be reduced to a single transaction that can be processed offline at the user's convenience, particularly for small, online purchases made on a frequent or reoccurring basis.
    Type: Grant
    Filed: June 18, 2013
    Date of Patent: January 27, 2015
    Assignee: Google Inc.
    Inventor: Vikas Gupta
  • Patent number: 8930232
    Abstract: The present invention is a computer implemented method and system for gathering information from a user related to, filing for, and obtaining government benefits, such as Social Security benefits. The present invention also enables the user to track the benefit application approval process and reminders when certain data or responses are due. There is a feature which enables the user to modify the data submitted for the benefits when circumstances warrant. There is also a decision appeal process feature.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: January 6, 2015
    Assignee: Case Ghost, Inc.
    Inventor: Kenneth L. LaVan
  • Patent number: 8924244
    Abstract: A technique for performing commercial venture analysis involves establishing an empirically-derived structure and evaluating companies using analytical techniques within that structure. The technique may involve defining jobs, or goals a customer is attempting to reach, with dozens or even hundreds of outcomes. Ideally, the structure and tools facilitate analysis that would not be possible otherwise. Moreover, the nature of the system enables real-time input for changing conditions and the ability to calculate returns for new markets in which products or services do not exist.
    Type: Grant
    Filed: February 18, 2014
    Date of Patent: December 30, 2014
    Assignee: Strategyn Holdings, LLC
    Inventors: James M. Haynes, III, Anthony W. Ulwick