Patents Examined by Hani M. Kazimi
  • Patent number: 11153244
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a digital conversation is described. One of the methods includes guiding a user through a directed conversation having a plurality of flows, each flow including at least one statement to be made by a digital advisor. The method includes receiving user input as part of the directed conversation. The method includes selecting one of the flows based on the received user input. The method also includes storing at least some of the information provided by the user in a data store.
    Type: Grant
    Filed: August 3, 2018
    Date of Patent: October 19, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Vanessa Jupe, Jared Stephens, Macdonald Etugbo, Christopher Genzardi, Jeffrey Kissner, Anoop Shridhar Warrier
  • Patent number: 11144889
    Abstract: A system and method are provided for automatically estimating a repair cost for a vehicle. A method includes: receiving, at a server computing device over an electronic network, one or more images of a damaged vehicle from a client computing device; performing image processing operations on each of the one or more images to detect external damage to a first set of parts of the vehicle; inferring internal damage to a second set of parts of the vehicle based on the detected external damage; and, calculating an estimated repair cost for the vehicle based on the detected external damage and inferred internal damage based on accessing a parts database that includes repair and labor costs for each part in the first and second sets of parts.
    Type: Grant
    Filed: May 7, 2018
    Date of Patent: October 12, 2021
    Assignee: AMERICAN INTERNATIONAL GROUP, INC.
    Inventors: Kaigang Li, Ashwath Aithal, Siddhartha Dalal, Liangkai Zhang
  • Patent number: 11138578
    Abstract: Illustrated herein are systems and methods of transferring physical currency into electronic credit that becomes electronically available. One method includes remotely and quickly depositing non-negotiable instruments, such as cash, by communicating information, such as an image of the currency, about the instrument to a depositor. An exemplary system includes computing devices and a capture module with a retrieval engine, a transmission engine, an inspection engine, and a conferral engine. The capture module receives information about a non-negotiable instrument, and an inspection engine analyzes the information to confirm if the unit of currency is authentic.
    Type: Grant
    Filed: August 27, 2018
    Date of Patent: October 5, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventor: Ryan T. Everett
  • Patent number: 11138662
    Abstract: A trade order may be submitted to an electronic exchange and updated, according to pay-up parameter values, in an attempt to receive a complete fill within a period of time. The trade order may comprise an order price and an order quantity when submitted to the electronic exchange. The pay-up parameters may include a pay-up interval, a pay-up amount, a pay-up counter, or a combination thereof. The price of the trade order may continue to be updated after the expiration of pay-up interval in an attempt to receive a complete fill of the trade order. The price of the trade order may be increased or decreased by the pay-up amount. The trade order may continue to be updated until a complete fill is received, the pay-up counter expires, and/or an ending time expires for which the pay-up parameters may be implemented.
    Type: Grant
    Filed: August 14, 2019
    Date of Patent: October 5, 2021
    Assignee: Trading Technologies International, Inc.
    Inventor: Andrew Theodore Renalds
  • Patent number: 11132183
    Abstract: This disclosure involves development and deployment platforms for decision algorithms. For example, a computing system provides software development interface to a client device. The system sets, based on an input from the client device via the interface, a decision engine to a test mode that causes the decision engine to operate on test data stored in a first database and that prevents the decision engine from applying operations from the client device to production data stored in a second database. The system also configures the decision engine in the test mode to execute a different decision algorithms on the test data. The system also sets, based on another input via the interface, the decision engine to a deployment mode that causes the decision engine to operate on the production data. The system configures the decision engine in the deployment mode to execute one or more of the tested decision algorithms.
    Type: Grant
    Filed: February 22, 2018
    Date of Patent: September 28, 2021
    Assignee: EQUIFAX INC.
    Inventors: Sandeep Gupta, Christian Hall, James Reid, Shen Lu, Dennis Horton, Lee Grice, Thresa Dixon, Scott Garten, Sudhakar Reddy
  • Patent number: 11132693
    Abstract: Systems and methods for sharing financial accounts via a mobile wallet system are described. The mobile wallet system allows for a master wallet associated with a primary account holder to provide limited access to an account of the primary account holder to secondary users. The primary account holder can limit a secondary user's level of access to the funds in the account by establishing spending rules and limits for each secondary user. The rules and limits restrict the secondary users' abilities to spend funds in the account. The rule and limit types include spending limits, types of goods and services restrictions, store specific restrictions, purpose of purchase rules, purchase timing rules, geographic restrictions, group purchase rules.
    Type: Grant
    Filed: October 14, 2019
    Date of Patent: September 28, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Bipin Sahni, Uma Meyyappan, Stephen M. Ellis
  • Patent number: 11132744
    Abstract: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: September 28, 2021
    Assignee: Visa International Service Association
    Inventors: Anne Marie Louie, Shipra Jha
  • Patent number: 11132746
    Abstract: A directed order process and related market center system are disclosed, wherein a market center system grants permission to order sending firms to send directed order flow to participating designated market makers. Such designated market makers create a virtual guarantee order book for each permissioned order sending firm. If an order sending firm sends a directed order to the market center that is marketable against a virtual guarantee order, then the market center system automatically pairs the orders in a two-sided directed cross order instruction, which executes against any superior interest in an electronic marketplace before crossing, all while maintaining anonymity amongst the parties.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: September 28, 2021
    Assignee: NYSE Group, Inc.
    Inventors: Michael A. Cormack, Jennifer L. Drake, Thomas F. Haller, Robert A. Hill
  • Patent number: 11120508
    Abstract: According to some embodiments, a hail history storage device may store information periodically received from a remote third-party weather reporting service. A hail history score request associated with a geographic location and a date range may be received from a remote requester device. Responsive to the received hail history score request, a computer processor of a hail history server may automatically access information in the hail history storage device based on the geographic location and date range. Moreover, the computer processor may automatically evaluate accessed information to calculate a hail history score value. The computer processor may then transmit, to the remote requester device, historical hail evaluation data including the calculated hail history score value.
    Type: Grant
    Filed: March 15, 2019
    Date of Patent: September 14, 2021
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventor: Seth J. Boutin
  • Patent number: 11120432
    Abstract: A system includes a database, a memory, and a processor. The database stores an account that includes a first, second, and third subaccount. The memory stores a profile specifying a level of anonymization and a level of account access. The processor receives a request for a transaction. The request is associated with the profile. In response, the processor determines a set of subaccounts for the transaction including the first subaccount and the second subaccount. Determining the set of subaccounts for the first transaction includes determining that the profile permits access to the first, second, and third subaccounts, and that the transaction costs associated with the transaction are minimized by using the first and second subaccounts to perform the transaction. The processor additionally generates a virtual account from the set of subaccounts, anonymizes, based on the level of anonymization, the virtual account, and performs the transaction using the anonymized virtual account.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: September 14, 2021
    Assignee: Bank of America Corporation
    Inventors: Manu Jacob Kurian, Shiumui Lau Cheng
  • Patent number: 11113682
    Abstract: A peripheral controller implemented on a server facilitates a transaction initiated at a payment user interface (UI). The peripheral controller is configured to pair the payment UI with a peripheral device, which is configured to receive payment information from a user. The peripheral controller also is configured to communicate with a payment processing system to facilitate processing of a payment request.
    Type: Grant
    Filed: May 6, 2020
    Date of Patent: September 7, 2021
    Assignee: Tempus Technologies, Inc.
    Inventors: Jason Adley Sweitzer, Benjamin Allen Hunsberger, Kyle Joseph Jurick
  • Patent number: 11113689
    Abstract: The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes receiving receipt data associated with an entity. Policy questions associated with the entity are associated with at least one policy question answer that corresponds to a conformance or a violation of a policy selected by the entity. For each policy question, a machine learning policy model is identified for the policy question that includes, for each policy question answer, receipt data features that correspond to the policy question answer. The machine learning policy model is used to automatically determine a selected policy question answer to the policy question by comparing features of extracted tokens to respective receipt data features of the policy question answers that are included in the machine learning policy model. In response to determining that the selected policy question answer corresponds to a policy violation, an audit alert is generated.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: September 7, 2021
    Assignee: SAP SE
    Inventors: Michael Stark, Evan Adkins, Adithya Kumar, Suchitra Sundararaman, Jesper Lind
  • Patent number: 11113681
    Abstract: A peripheral controller implemented on a server facilitates a transaction initiated at a payment user interface (UI). The peripheral controller is configured to pair the payment UI with a peripheral device, which is configured to receive payment information from a user. The peripheral controller also is configured to communicate with a payment processing system to facilitate processing of a payment request.
    Type: Grant
    Filed: May 6, 2020
    Date of Patent: September 7, 2021
    Assignee: Tempus Technologies, Inc.
    Inventors: Jason Adley Sweitzer, Benjamin Allen Hunsberger, Kyle Joseph Jurick
  • Patent number: 11107156
    Abstract: Presenting a framework for digital finance based on the notion of a unified digital expression to value and identity which carries this value—advancing beyond the standard form of digital finance where value (a number) is expressed without any coin, or bill identity. The solution is based on ordered financial bits (fbits) which may be comprised of ingredient fbits, or of elemental fbits which are qbits—real or simulated. As such this solution (BitMint) is ready for quantum computing when it materializes commercially. A BitMinted entity carries its terms of exchange, and redemption; it may carry its transactional history, and apply equally to cash, credit and investment instruments. It allows full operational flexibility to its controllers who mint and redeem it. The BitMinted entity, BitMint “coin”, or simply “coin” will keep transacting even if the Internet is slow, or jammed. The coin may be cut to any small denomination desired, or lumped to any large sum of interest.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: August 31, 2021
    Inventor: Gideon Samid
  • Patent number: 11107162
    Abstract: Methods, systems, and computer readable media for predictively determining a risk of damage to a property are provided. To determine the risk, a high resolution virtual model of a region that includes the property is obtained. The virtual model is imported into a simulation environment. One or more of the simulation parameters are set based on historic weather data for the region. For example, each parameter may be associated with a probability distribution derived based on the historic weather data that is sampled prior to executing the simulation. One or more simulations are executed in accordance with the sampled inputs to simulate the likely weather patterns the property will experience. The result of the simulation is analyzed to determine the predicted risk of damage to the property.
    Type: Grant
    Filed: January 10, 2019
    Date of Patent: August 31, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Bryan R. Nussbaum, Jeremy Carnahan, John A. Schirano, Vicki King, Mike McGraw
  • Patent number: 11100505
    Abstract: Disclosed are exemplary embodiments of systems and methods for facilitating services associated with transaction requests. In an exemplary embodiment, a method generally includes receiving, from a first entity, a transaction request for a payment account transaction. The transaction request includes a primary account number (PAN) for a payment account involved in the transaction. The exemplary method also includes overwriting the PAN in the transaction request with a non-PAN identifier (NPI), where a first segment of the PAN is identical to a first segment of the NPI and where the NPI is an invalid PAN. The exemplary method further includes routing the transaction request to a service, whereby the service is able to be implemented for the transaction request based, in part, on the first segment of the NPI while the PAN remains anonymous to the service.
    Type: Grant
    Filed: August 12, 2016
    Date of Patent: August 24, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Bryan Niehaus
  • Patent number: 11100763
    Abstract: In an example embodiment, there is disclosed herein an apparatus with a transceiver coupled with a bus; and a plurality of interfaces coupled with a plurality of lighting devices, and lead through indicator (LTI) logic coupled with the transceiver and the plurality of interfaces. The LTI logic is operable to receive a signal via the bus with data for operating a selected one of the plurality of lighting devices. The LTI logic determines an interface and a channel for the selected one of the plurality of lighting devices. The LTI logic send a signal to the selected one of the plurality of lighting devices on the connector and channel corresponding to the selected one of the plurality of lighting devices to operate the selected lighting device in accordance with the data for operating the selected one of the plurality of lighting devices.
    Type: Grant
    Filed: October 13, 2015
    Date of Patent: August 24, 2021
    Assignee: Diebold Self-Service Systems
    Inventors: Randall W. Jenkins, Songtao Ma, Rani Solic
  • Patent number: 11100506
    Abstract: A system and method for programmatically revealing misleading confidence values in Fraud Score is presented to protect artificial intelligence models from adversarial neural networks. The method is used to reduce an adversarial learning neural network model effectiveness. With the score manipulation implemented, the adversary models are shown to systematically become less successful in predicting the true behavior of the Fraud detection artificial intelligence model and what it will flag as fraudulent transactions, thus reducing the true fraud dollars penetrated or taken by adversaries.
    Type: Grant
    Filed: May 9, 2017
    Date of Patent: August 24, 2021
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott Michael Zoldi, Qing Liu
  • Patent number: 11093887
    Abstract: A method for managing disbursement signals at a payment system is discussed. The method includes selecting a source of a general disbursement signal indicating a requested transfer of a first portion of funds from a buyer account to a general account at the payment system. The method includes determining an event for transferring a second portion of the funds from the general account to a merchant account. The method includes selecting, based on the event, a source of a merchant signal, the merchant signal indicating a requested transfer of the second portion of the funds from the general account to the merchant account. The method also includes configuring a disbursement module to trigger a transfer of the first portion of the funds in response to receiving the general signal and to trigger a transfer of the second portion of the funds in response to receiving the merchant signal.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: August 17, 2021
    Assignee: PayPal, Inc.
    Inventors: Norihiro Aoki, Aarti Bharathan, Anthony Shakrala Allen, Arjun Abraham Mathew
  • Patent number: 11087306
    Abstract: In a mobile terminal, while a payment mode in which payment is available to be performed by a payment unit, execution of a function other than the function related to the payment is limited.
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: August 10, 2021
    Assignee: LG ELECTRONICS INC.
    Inventors: Sukjin Lee, Dongsu Han, Chohee Kwon