Patents Examined by Gregory S Cunningham, II
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Patent number: 11625716Abstract: A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.Type: GrantFiled: July 31, 2020Date of Patent: April 11, 2023Assignee: Capital One Services, LLCInventors: Adam Vukich, Sarah J. Cunningham, Tyler Maiman, Michael Mossoba, Leeyat Bracha Tessler, Bryant Yee
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Patent number: 11620703Abstract: Disclosed is a mobile CRM application, particularly for real estate agents, that allows the management of: (1) registration, (2) prospecting, (3) tours, and (4) transaction tracking for a large number of leads, customers and clients from a smartphone.Type: GrantFiled: December 23, 2021Date of Patent: April 4, 2023Assignee: Realtytek, LLCInventor: DeLinda Kay Armstrong
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Patent number: 11618562Abstract: Disclosed herein are systems and method for subduing target individuals using unmanned aerial vehicles (UAVs) comprises deploying one or more UAVs to a location of an individual. The method obtains information about the individual from the one or more UAVs and external sources. The method assigns an aggression factor to the individual based on the obtained information. In response to determining that the aggression factor is greater than an aggression threshold, the method prepares a neutralization action designed to reduce the aggression factor of the individual by: identifying one or more exception conditions of the individual, and selecting, from a plurality of neutralization actions that the one or more UAVs are capable of performing, a neutralization action based on the one or more exception conditions. The method then instructs the one or more UAVs to perform the selected neutralization action on the hostile individuals.Type: GrantFiled: March 28, 2020Date of Patent: April 4, 2023Assignee: Acronis International GmbHInventors: Serguei Beloussov, Oleg Melnikov
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Patent number: 11615397Abstract: A method, performed at a mobile device, for accessing a service, comprises: determining, from payment card information stored on or obtained at the mobile device, a list of services that are available in relation to the payment card; receiving a selection of one of the services; determining at least one corresponding communication channel by which the selected service is accessible; and opening the at least one corresponding communication channel to thereby access the service.Type: GrantFiled: January 14, 2021Date of Patent: March 28, 2023Assignee: Mastercard International IncorporatedInventors: Jitendra Singh Wadhwa, Arunmurthy Gurunathan
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Patent number: 11603009Abstract: A vehicle battery exchange system includes: a battery charger configured to store multiple batteries therein, and including a first battery locking device that is configured to be unlocked when each of the batteries is withdrawn from the battery charger and is configured to be locked when the batteries are stored in the battery charger, the battery charger charging a battery among the stored batteries when a state-of-charge of the corresponding battery is insufficient; and a server configured to: communicate with the battery charger and a vehicle and guiding the vehicle to a position of the battery charger when a charge request is received from the vehicle, control the first battery locking device to be unlocked when the vehicle is authenticated, and control the first battery locking device to be locked when exchange of batteries between the authenticated vehicle and the battery charger is completed.Type: GrantFiled: November 12, 2019Date of Patent: March 14, 2023Assignees: HYUNDAI MOTOR COMPANY, KIA MOTORS CORPORATIONInventors: Sang Heon Lee, Jin Ho Hwang, Dong Eun Cha
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Patent number: 11605126Abstract: The concept involves efficiently using machine learning to quickly identify possible fraudulent applications in small business loan and credit applications by automatically flagging applications that meet certain criteria. In one preferred implementation, the tool compares a business description to a selected NAICS code in a loan application to assess the potential for fraud. Specifically, an algorithm can match the leftmost two digits of the selected code with the description of the category from an applicant. An engine calculates a probability of a fraud score based on the matching attached to the application. Because the tool detects fraud proactively rather than reactively, it substantially reduces computational costs and resources and reduces the biases associated with highly intensive manual work.Type: GrantFiled: November 29, 2021Date of Patent: March 14, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Jie Chen, Carmel Nadav, Manish Pandey
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Patent number: 11599879Abstract: Systems 100; devices 110, 120, 130, 150, 160; methods 2400, 2500; and machine-executable programming structures stored in persistent (i.e., non-transitory), computer-readable media 604, 606, 618, 126, 139 for the rapid and secure negotiation, authorization, execution, and confirmation of multi-party data processes, including payment transactions conducted between purchasers 190 having electronic access to bank accounts and other sources of payment, merchants operating e- and/or m-commerce transaction systems 132, 134, 136, and banks and other financial institutions 120 capable of electronically communicating with both.Type: GrantFiled: July 13, 2017Date of Patent: March 7, 2023Assignee: ROYAL BANK OF CANADAInventor: Edison U. Ortiz
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Patent number: 11593875Abstract: A method for real-time processing of resource requests is disclosed. The method includes: detecting a trigger action initiated on a client device associated with an entity, the trigger action being detected based on input received via the client device; in response to detecting the trigger action, providing, via a user interface on the client device, selectable options corresponding to one or more preferred rates of resource borrowing; receiving, via the client device, a dealer lead input including selection of a vehicle, an indication of a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle; and providing, via an interface associated with a service for generating resource requests, an option for the identified dealer to select the first preferred rate of resource borrowing for a resource request in connection with the selected vehicle, the option being accessible only by the identified dealer.Type: GrantFiled: April 9, 2020Date of Patent: February 28, 2023Assignee: The Toronto-Dominion BankInventors: Umer M. Adil, Alexandra Tsourkis, Blair S. Buxton
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Patent number: 11580555Abstract: Systems and methods for rules-based decisioning of events are disclosed. In one embodiment, a method may include: creating an in-memory cache by parsing stored checkpoints, signals, and rules definitions; receiving a checkpoint request; prioritizing the checkpoint request; preparing a basic context, comprising a limited set of objects, for the checkpoint request; using the in-memory cached definitions, generating at least one of a raw signal, an engineered signal, and a secondary signal for the checkpoint request based on the basic context; using the in-memory cached definitions, executing rules on at least one of the basic context, the raw signal, the engineered signal, and the secondary signal to generate a list of potential decisions; reducing the list of potential decisions to a list of final decisions; publishing the final decisions and supporting data rules and signals execution details; and executing the final decisions.Type: GrantFiled: October 27, 2020Date of Patent: February 14, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Joshua Ehrlich, Qiuxuan Lin, Siarhei Kuzmin
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Patent number: 11574311Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.Type: GrantFiled: July 7, 2021Date of Patent: February 7, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Andrew Carpenter, Glenn Leon Powell
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Patent number: 11568405Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.Type: GrantFiled: May 4, 2021Date of Patent: January 31, 2023Assignee: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor, Calvin Chen
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Patent number: 11562340Abstract: Described herein are systems, methods, and apparatuses for performing a user-less payment for an item upon its delivery by an unmanned delivery vehicle. The unmanned delivery vehicle may navigate to a delivery location, receive payment information, initiate a payment transaction with a remote server, and release the item at a specified location upon successful completion of the payment transaction. Upon arrival of the unmanned delivery vehicle, a wireless data transmission device may send payment information to a remote server, and the remote server may provide the unmanned delivery vehicle with an indication of whether the item can be released and a specific location at which the item can be released.Type: GrantFiled: December 11, 2017Date of Patent: January 24, 2023Assignee: Visa International Service AssociationInventor: Yuexi Chen
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Patent number: 11556904Abstract: A method for processing a payment transaction via a proxy guarantor includes: receiving a transaction request between a user and a merchant including payment device data associated with a payment device of the user of a payment type not accepted by the merchant, and an indicator causing the payment transaction to be processed as a proxy guarantor transaction; identifying a guarantor associated with the user having a payment device of a payment type accepted by the merchant; communicating an authorization request to an issuer system associated with the guarantor to cause the issuer system of the guarantor to authorize the payment transaction; receiving an authorization response from the issuer system of the guarantor, the authorization response including a payment transaction approval indicator; and communicating a settlement request to an issuer system of the user.Type: GrantFiled: January 29, 2020Date of Patent: January 17, 2023Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Pragathi M S
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Patent number: 11556988Abstract: A computer implemented method for operating a token management system includes: generating the first plurality of request messages; generating a first plurality of public tokens; augmenting each of the first plurality of request messages with one of the first plurality of public tokens, the augmenting resulting in a first plurality of augmented request messages; transmitting the first plurality of augmented request messages to the first plurality of market participants; generating a second plurality of public tokens based on the first plurality of public tokens; querying a database of financial messages for any financial messages including any of the second plurality of public tokens; and associating a plurality of financial messages including any of the second plurality of public tokens with each other.Type: GrantFiled: May 24, 2021Date of Patent: January 17, 2023Assignee: Chicago Mercantile Exchange Inc.Inventors: Ryan David Pierce, Stanislav Liberman
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Patent number: 11551229Abstract: A computer-implemented method, system, and computer program product for reducing fraud based on a forged or altered payslip. A blockchain is configured for recording transactions. A payslip is prepared having information regarding an employee. At least one hash is provided for a portion of the information. The at least one hash and the portion of the information is recorded in the blockchain as a blockchain transaction. A barcode is configured to act as a pointer for locating the blockchain transaction. The barcode is inserted into a barcode location on the payslip. The payslip is delivered to the employee.Type: GrantFiled: February 5, 2019Date of Patent: January 10, 2023Assignee: ADP, Inc.Inventors: Gregoire Zveguintzoff, Dominique Rodier, Gilbert Musnik
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Patent number: 11544713Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.Type: GrantFiled: September 30, 2020Date of Patent: January 3, 2023Assignee: United Services Automobile Association (USAA)Inventors: Gregory D. Hansen, Andre R. Buentello, Ashley R. Philbrick, Jose L. Romero, Jr., Reynaldo Medina, III, Curtis M. Bell, Yevgeniy Khmelev, Stacy C. Huggar, Ruthie Lyle, Victor Kwak, Jon D. McEachron
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Patent number: 11538020Abstract: Systems and methods of the present disclosure processors and devices for providing disposable account cards using a contactless reader and contactless communication tag. A processor receives, via an antenna module from the contactless reader, radio signal data of a radio signal emitted by a contactless tag, where the radio signal data includes encoded tag data including a tag identifier. The processor determines that the contactless tag is a new contactless tag based on the tag identifier being unlinked to any account, and generates a disposable account card identifier in a user account including a unique disposable account number. The processor generates an account link that links the tag identifier to the disposable account card identifier such that the tag identifier refers to the unique disposable account number for performing contactless electronic requests to the user account in place of a user account card.Type: GrantFiled: September 2, 2020Date of Patent: December 27, 2022Assignee: Capital One Services, LLCInventors: Laith Hallaq, Maneill Parekh, Ruby Rue Roman Estremera
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Patent number: 11538105Abstract: Provided is a process, including for lending, with a smart contract executable by a decentralized computing platform, money to a borrower. The process includes securing, with the smart contract, the loan by obtaining control of cryptocurrency of the borrower and monitoring, via the smart contract, whether the cryptocurrency satisfies a loan-to-value threshold. In response to the monitoring, an amount of cryptocurrency secured with the loan can be adjusted.Type: GrantFiled: August 24, 2020Date of Patent: December 27, 2022Assignee: Block, Inc.Inventor: Jacqueline Reses
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Patent number: 11508014Abstract: A structural analysis computing device may generate a proposed insurance claim and/or generate a proposed insurance quote for an object pictured in a three-dimensional (3D) image. The structural analysis computing device may be coupled to a drone configured to capture exterior images of the object. The structural analysis computing device may include a memory, a user interface, an object sensor configured to capture the 3D image, and a processor in communication with the memory and the object sensor. The processor may access the 3D image including the object, and analyze the 3D images to identify features of the object—such as by inputting the 3D image into a trained machine learning or pattern recognition program. The processor may generate a proposed claim form for a damaged object and/or a proposed quote for an uninsured object, and display the form to a user for their review and/or approval.Type: GrantFiled: October 16, 2020Date of Patent: November 22, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Timothy J. Spader, George T. Dulee, Jr., Donald Yuhas, Aaron Brucker, Chris Stroh, Jeffrey Mousty
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Patent number: 11501378Abstract: In one aspect, a method for managing a patient-provider relationship, includes the step of providing a tiered structure for patient specific financial support. The method includes the step of providing a tailored patient financial workflows for pre-care financial commitment, approvals and post-care claims adjudication. The method includes the step of providing a multiple financial support options ranging from one off patient payment commitments, revolving options for multiple commitments or a fixed monthly amount determined by the patient. The method includes the step of providing a unified master servicing agreement that coordinates and manages the patient support experience and integrates the often-disparate servicing aims for payers, providers, credit underwriters.Type: GrantFiled: November 8, 2019Date of Patent: November 15, 2022Inventors: Vineet Gulati, Pritim Prasad, Divyesh Motiwalla