Patents Examined by Gregory S Cunningham, II
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Patent number: 10977625Abstract: The object of the present invention is to shorten time from when a predetermined condition is satisfied till when recharging is completed. A mobile terminal directly requests an electronic money server to perform recharging. In response to this, the electronic money server secures funds and then generates a command group for recharging. Then, the electronic money server sends, to the mobile terminal, a storage instruction by which the mobile terminal is made to store the generated command group in an IC chip. The mobile terminal then does not immediately execute the command group but temporality stores the command group into a general-purpose IC chip. In this way, a stage of preparation for recharging is completed. Then, under a certain condition (for example, by user's operation, on the side of the general-purpose IC chip, the stored command group is executed. In this way, recharging is performed, and the value balance is updated.Type: GrantFiled: August 31, 2012Date of Patent: April 13, 2021Assignee: Rakuten, Inc.Inventor: Hideki Akashika
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Patent number: 10943237Abstract: Embodiments of systems and methods are provided for an authentication device that enables transactions with a payment instrument at different limitations, restrictions and/or use conditions. In an embodiment, a system comprises a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization.Type: GrantFiled: December 31, 2014Date of Patent: March 9, 2021Assignee: PayPal, Inc.Inventors: David Edward Eramian, Michael Voege
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Patent number: 10832020Abstract: Provided is an information processing system including a server device, and a non-contact communication tag readable through NFC. The non-contact communication tag includes an identification information retaining unit that retains identification information for uniquely identifying the tag, an authentication information retaining unit that retains authentication information to be used in authentication of the non-contact communication tag, and a NFC unit that transmits the identification information and the authentication information to another device, which will transmit the received identification information and authentication information to the server device, in NFC with the other device.Type: GrantFiled: July 5, 2013Date of Patent: November 10, 2020Assignee: FELICA NETWORKS, INC.Inventors: Naoto Tobita, Shuichi Sekiya, Tomoharu Hikita
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Patent number: 10832333Abstract: 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: August 24, 2016Date of Patent: November 10, 2020Assignee: 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: 10783577Abstract: Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase. According to disclosed embodiments, a financial service system collects financial information associated with the prospective buyer. The financial service system also configures a secure software object, or token, comprising the buyer's financial information. The financial service system transmits the token to various inventory listing sites. By utilizing graphical user interfaces on the inventory listing sites that integrate the transmitted token information, the prospective buyer is provided enhanced information for shopping and researching their purchase, including how the purchase and its financing fit into their overall financial profile.Type: GrantFiled: November 4, 2014Date of Patent: September 22, 2020Assignee: Capital One Financial CorporationInventors: Drew Jacobs, Luke A. Hammock, Michael W. Upton
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Patent number: 10733592Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.Type: GrantFiled: December 28, 2016Date of Patent: August 4, 2020Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y Moreton
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Patent number: 10726421Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed.Type: GrantFiled: November 30, 2017Date of Patent: July 28, 2020Assignee: Worldpay, LLCInventors: Francois B. Bergeon, Scot A. Bryant, Coy A. Christensen
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Patent number: 10719879Abstract: Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip.Type: GrantFiled: July 1, 2015Date of Patent: July 21, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Christopher E. Gay, Scott Thomas Christensen, Gregory Hayward, Steve Cielocha, Todd Binion
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Patent number: 10679292Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.Type: GrantFiled: April 22, 2015Date of Patent: June 9, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Shawn M. Call, Daryoush Hakimi-Boushehri, John H. Weekes, Ronny S. Bryant, Jennifer Criswell, Todd Binion, Jackie O. Jordan, II, Elisabeth McDermeit, John Donovan
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Patent number: 10657503Abstract: Systems and methods for a financial transaction system are provided. Additionally, computer-implemented methods for providing a customer with a method of making a payment to a third party. These methods may include generating a token associated with financial transaction information and representing a single transaction to the third party on behalf of the customer, where the financial transaction information may include a payment amount, transmitting the token based on the financial transaction information to a system, and receiving the token from the third party at the remote dispensing machine.Type: GrantFiled: September 19, 2007Date of Patent: May 19, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Elizabeth Martin Ebersole, Julio Farach, Jill Vogel Sorg, Donald Jeffrey Smith, Hector Luis Crespo, Jonathan Jewett Beam
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Patent number: 10643278Abstract: A clearinghouse computing device may be configured to generate a margin requirement for a portfolio of financial products and may include a processor to process instructions that cause the clearinghouse computing device to retrieve a plurality of pricing records from a historical pricing database, process the plurality of pricing records to generate rolling time series pricing records for at least one financial product having a plurality of dimensions, reduce the number of dimensions from a starting dimension to a reduced dimension, perform variance scaling and correlation scaling on the reduced dimension rolling time series pricing records, and generate a margin requirement based on a value-at-risk calculation.Type: GrantFiled: January 20, 2016Date of Patent: May 5, 2020Assignee: Chicago Mercantile Exchange Inc.Inventors: Jennifer Weng, Nikhil Joshi, Guo Chen, Siwen Yang, Zijiang Yang
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Patent number: 10607295Abstract: Methods and systems for determining a cause of loss to a property for damage associated with an insurance-related event based upon data received from a second property. A smart home (or other building) controller and/or an insurance provider remote processor may generate a time sequence of events for damage associated with an insure-related event. The smart home controller or remote processor may also receive a time-sequence of events generated by a smart home controller associated with a second property. The smart home controller or remote processor may compare the two time-sequences of events to determine causes of loss associated with damage to the property. The compared data may be further used to assign a portion of the overall damage to each cause of loss. Subsequently, the smart home controller or remote processor may automatically generate an insurance claim for damage to the property associated with the insurance-related event.Type: GrantFiled: January 2, 2018Date of Patent: March 31, 2020Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Daryoush Hakimi-Boushehri, Jackie O. Jordan, II, Shawn M. Call, John H. Weekes, Ronny S. Bryant, Jennifer Criswell Kellett, Todd Binion, Elisabeth McDermeit, John Donovan
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Patent number: 10489861Abstract: The embodiments recite systems and methods that improve the traditional underwriting process within a financial institution. These embodiments produce an underwriting model that emulates the resolution patterns of top performing underwriters. The underwriting model once is built and tested is incorporated into decision tools that provide underwriters with insightful advices when underwriting a client. The embodiments use statistical learning techniques such as support vector machine and logistic regression. These techniques can assume a linear or nonlinear relationship between factors and risk classes. Furthermore, the underwriting model also uses artificial intelligence tools such as expert systems and fuzzy logic. A company's underwriting standards and best underwriting practices may be updated periodically so that underwriting model based on decision heuristic keep improving the quality of its output over time.Type: GrantFiled: December 23, 2014Date of Patent: November 26, 2019Assignee: Massachusetts Mutual Life Insurance CompanyInventors: Gareth Ross, Tricia Walker
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Patent number: 10475129Abstract: Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.Type: GrantFiled: September 24, 2015Date of Patent: November 12, 2019Assignee: Bank of America CorporationInventors: Kevin T. Cole, Matthew Hsieh, Alicia C. Jones-McFadden
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Patent number: 10467690Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: GrantFiled: November 30, 2017Date of Patent: November 5, 2019Assignee: Capital One Services, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Patent number: 10467695Abstract: An exemplary aspect comprises a computer system having one or more processors, comprising: a receiving component that receives valuation data for a security; a filtering component that filters the received valuation data to remove outlier values according to a predetermined set of parameters; a transaction cost adjustment component calculates a transaction cost adjustment coefficient based on a first transaction cost adjustment regression calculation of the processed valuation data, and determines a final transaction cost adjustment value based on the transaction cost adjustment coefficient; a market adjustment component that calculates a market adjustment coefficient based on a first market adjustment regression calculation of the processed valuation data, and determines a final market adjustment value based on the market adjustment coefficient; and an output component that outputs a pricing estimation of the security based on the final transaction cost adjustment value and the final market adjustment value.Type: GrantFiled: August 12, 2014Date of Patent: November 5, 2019Assignee: Interactive Data Pricing and Reference Data LLCInventors: Eric Zitzewitz, Ning Liu
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Patent number: 10409953Abstract: The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.Type: GrantFiled: April 23, 2014Date of Patent: September 10, 2019Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: David Turrentine, Jeremy Myers, Abby Tohline, Angi Bobsin, Kelly S. Minter, Miranda Kemp, Larry J. Ingrum
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Patent number: 10373138Abstract: Systems and methods for validating and processing payment transactions are disclosed. In the embodiments of the invention a first authorization request message and a first verification value are received at a server computer. The verification value is validated and a second authorization request message with a second verification value is generated. The first verification value may be a dynamic value and the second verification value may be static value. The second verification value is associated with portable device used to perform a transaction and it is what the issuer computers of the portable device expect to receive as part of an authorization request message in a payment transaction.Type: GrantFiled: April 7, 2011Date of Patent: August 6, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Ayman Hammad
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Patent number: 10296888Abstract: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.Type: GrantFiled: May 15, 2015Date of Patent: May 21, 2019Assignee: Capital One Services, LLCInventors: Mohamed Lafeer, Adam R Koeppel
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Patent number: 10262313Abstract: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.Type: GrantFiled: March 27, 2018Date of Patent: April 16, 2019Assignee: Capital One Services, LLCInventors: Mohamed Lafeer, Adam R. Koeppel