Patents Examined by Hani M. Kazimi
  • Patent number: 10242402
    Abstract: A computer-implemented method for initiating online collections that includes determining a current status of an account held by an account holder, determining a real-time financial profile of the account holder using information on the banking institution computer systems and third party information providers and displaying a customized status message based on the account holder's financial profile. The method provides remediation options to the account holder.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: March 26, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Benjamin Soccorsy, Larry Tewell, Susanne Carr
  • Patent number: 10235716
    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 13, 2015
    Date of Patent: March 19, 2019
    Assignee: Hartford Fire Insurance Company
    Inventor: Seth J Boutin
  • Patent number: 10210586
    Abstract: In one embodiment, in response to a user's request to upload a photo to a social networking system, a client process accesses information in the user's current location and friends who may be with the user, present the information to the user in a composited posting user interface. After the user confirms a particular current location and a first and second friends who are currently with the user, the client process tags the particular current location and the first and second friends to the photo, and submit to the social networking system a primary posting request in photo upload, and a secondary posting request to check in the user, the first friend and the second friend to the particular current location.
    Type: Grant
    Filed: September 9, 2011
    Date of Patent: February 19, 2019
    Assignee: Facebook, Inc.
    Inventors: Samuel Odio, Robert Sean Goodlatte, Justin Shaffer
  • Patent number: 10185989
    Abstract: This application discloses a display and/or user interface for viewing information relating to tradable items such as financial interests and/or for use in a trading system for such items. Offer and bid prices for the tradable item are displayed according to an alignment, e.g., vertically. The prices move along the alignment in accordance with received price updates. Persistence of at least a part of an earlier display is provided in a later display for indicating a market change or changes. A shift in the positions of one or more of the prices in the alignment and some visual persistence relative to one or more earlier prices provide an easily perceived visual indication to the viewer of changes in prices and direction of a market change or change relating to a reference value or benchmark from a first time to a second time. The displayed prices may include a last price, best offer and bid prices and depth of market prices.
    Type: Grant
    Filed: February 3, 2011
    Date of Patent: January 22, 2019
    Assignee: Bloomberg L.P.
    Inventors: Matthew T. Ritter, Ankur Jain, Jai Chhugani
  • Patent number: 10185992
    Abstract: A system and method are provided to analyze synthetic and real markets that offer interchangeable tradeable objects to find market opportunities that a trader may capitalize on. A synthetic market is an electronic market created out of real markets by a computer terminal or gateway. A real market is an electronic market that is offered by an electronic exchange. If a desirable market opportunity is found, the preferred embodiments can take action such as by sending orders to either one of the markets, or by sending orders to both markets. An advantage of the preferred embodiments, among many others, is that they can make “invisible” trading opportunities more readily apparent.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: January 22, 2019
    Assignee: Trading Technologies International, Inc.
    Inventor: Michael L. Fishbain
  • Patent number: 10163148
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for using wireless beacons to manage shopping lists. One of the methods includes receiving, from a user, a selection of one or more items available for purchase at a physical store location of a store. A user device receives a signal from a wireless beacon installed in a particular section of the physical store location, wherein the signal emitted by the wireless beacon identifies the particular section of the store. If one or more items in the shopping list are located in the particular section, the one or more identified items that are located in the particular section are presented on a display device of the user device such that they appear above one or more items in the shopping list data that are not located in the particular section.
    Type: Grant
    Filed: November 13, 2013
    Date of Patent: December 25, 2018
    Assignee: SQUARE, INC.
    Inventors: Shuvo Chatterjee, Rishi Garg
  • Patent number: 10152704
    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: March 15, 2013
    Date of Patent: December 11, 2018
    Assignee: TEMPUS TECHNOLOGIES, INC.
    Inventors: Jason Adley Sweitzer, Benjamin Allen Hunsberger, Kyle Joseph Jurick
  • Patent number: 10147138
    Abstract: A user interface and method are disclosed for providing trading between a plurality of semi-fungible and non-fungible goods. A plurality of book axes are displayed in a single interface, each book axis representing a market for a particular good. Orders for goods are displayed as marks on the axes to display the relative value of the orders. A value axis is provided that relates the value of the goods from each market to each other. Thus, a single interface provides the means to relate the values of different semi-fungible goods. The value axis may be displayed in units of price, or a custom value designated by a user or pre-defined by the interface. Quantity information is represented in the interface through the display of a dimension of an order icon. Precise information about each order is displayed either in a panel view or a pop-up window.
    Type: Grant
    Filed: August 17, 2015
    Date of Patent: December 4, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Richard W. Friesen, Mark C. Klizas
  • Patent number: 10134087
    Abstract: Architectures and techniques are configured to distribute and activate payment cards. The techniques include providing payment cards to distributors, who then sell or distribute these cards to other users. Each of these payment cards may include activation information for activating the card as well as redemption information for redeeming a value associated with the card. The distributor may activate a card by, for instance, taking a picture of or scanning an identifier on the card and sending this image to a provider of the card. In response, the provider may activate the card.
    Type: Grant
    Filed: February 16, 2011
    Date of Patent: November 20, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Michal J. Geller, Gregory M. Hart, Jeffrey P. Bezos, Michael Carr, Brian R. Williams
  • Patent number: 10121198
    Abstract: A user interface for an electronic trading exchange is provided which allows a remote trader to view in real time bid orders, offer orders, and trades for an item, and optionally one or more sources of contextual data. Individual traders place orders on remote client terminals, and this information is routed to a transaction server. The transaction server receives order information from the remote terminals, matches a bid for an item to an offer for an item responsive to the bid corresponding with the offer, and communicates outstanding bid and offer information, and additional information (such as trades and contextual data) back to the client terminals. Each client terminal displays all of the outstanding bids and offers for an item, allowing the trader to view trends in orders for an item. A priority view is provided in which orders are displayed as tokens at locations corresponding to the values of the orders. The size of the tokens reflects the quantity of the orders.
    Type: Grant
    Filed: October 15, 2015
    Date of Patent: November 6, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Richard W. Friesen, Peter C. Hart
  • Patent number: 10102569
    Abstract: A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.
    Type: Grant
    Filed: December 28, 2011
    Date of Patent: October 16, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Joseph C. Kawan, Ramiro Munoz, Mark Kogen
  • Patent number: 10102518
    Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
    Type: Grant
    Filed: July 30, 2007
    Date of Patent: October 16, 2018
    Assignee: First Data Corporation
    Inventors: Steven E. Arthur, Christopher L. Toomer, Sarah Owen, Theodore VanDeburg
  • Patent number: 10083481
    Abstract: A method for treating information technology (IT) risk of an organization including identifying a plurality of IT risks, where each of the plurality of IT risks is based on a known problem and is associated with an IT asset classification and an IT consequence classification, calculating a plurality of IT risk exposure indices, where each of the plurality of IT risk exposure indices is associated with at least one of the plurality of IT risks, adjusting each of the plurality of IT risk exposure indices based on a business impact factor to obtain a business impact index, prioritizing the plurality of IT risks by adjusting the business impact index based on a risk treatment factor to obtain a prioritized risk treatment index, and selecting at least one of the plurality of IT risks for treatment based upon the prioritized risk treatment index.
    Type: Grant
    Filed: February 2, 2006
    Date of Patent: September 25, 2018
    Assignee: Oracle America, Inc.
    Inventors: Jefre E. Futch, Andrew J. Gonczi, Roberta J. Mason, Ingrid C. Stuckenberg
  • Patent number: 10062107
    Abstract: Techniques to facilitate security transactions in a preferred currency, regardless what original or market currency the securities are being traded in and where the transaction may take place, are disclosed. According to one aspect of the present invention, a three-tier architecture is presented and includes a brokerage, a market exchange and a currency exchange. Through a consolidated trading platform, the brokerage presents all prices, quotes, transactions or settlements in a preferred currency, in conjunction with the market exchange and the currency exchange. As a result, a trader always knows exactly what he/she may end up with a transaction of an asset.
    Type: Grant
    Filed: April 18, 2007
    Date of Patent: August 28, 2018
    Inventor: Jacky Benmoha
  • Patent number: 10026125
    Abstract: A system and method are provided for trading a tradeable object. One example apparatus includes a microprocessor, a graphical user comprising a first screen region having a plurality of locations in the first screen region, each location corresponding to a price level along a first axis and a time along a second axis. The apparatus also comprises a user input device for sending a command to initiate placement of a timed trade order, and an indicator being dynamically displayed in one of the plurality locations of the first screen region and corresponding to the timed order. In one example embodiment, the indicator dynamically moves over time relative to the second axis indicating a time until the order will be automatically sent to a computerized matching process.
    Type: Grant
    Filed: June 30, 2014
    Date of Patent: July 17, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Simeon C. Peebler
  • Patent number: 10019719
    Abstract: A system for authorizing a reward card transaction includes an account server configured to receive an authorization request for a transaction performed using the reward card. The system also is configured to compare the amount of the transaction to an available balance in a bank account linked to the reward card and authorize the transaction based on the comparison. The system further is configured to transmit an authorization for the transaction. A system updating a credit limit on a reward card includes an updating module configured to receive amounts of authorized reward card transactions and amounts of authorized bank account transactions. The system also is configured to update a credit limit on a reward card based on the reward card transaction amounts and/or the bank account transaction amounts.
    Type: Grant
    Filed: November 17, 2009
    Date of Patent: July 10, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Timothy John Roe, Alisa J. Copeman, Wendy MacDonald, James H. Marsden
  • Patent number: 10002383
    Abstract: A method involves on-line viewing of a first article through a linking node for virtual merging on another structure. A particular application of the invention is directed to on-line apparel shopping involving a matching scheme using codes provided with images to be merged. For example, on-line viewing of one article, such as clothing, on another structure, includes creating an item from image-data corresponding to an article selected by an on-line viewer from an on-line viewer site with an image of a structure selected by the on-line viewer, and indicating whether the article and the structure satisfy a category-matching criterion. In certain embodiments, the articles are represented by (search) parameters that permit organizational advantages.
    Type: Grant
    Filed: September 29, 2009
    Date of Patent: June 19, 2018
    Assignee: TAMIRAS PER PTE. LTD., LLC
    Inventors: Robert Giannini, Robert J. Crawford
  • Patent number: 10002382
    Abstract: An e-commerce method involves on-line viewing of a first article through a linking node for virtual merging on another structure. A particular application of the invention is directed to on-line apparel shopping involving a color matching scheme using color codes provided with images to be merged. For example, on-line viewing of one article, such as clothing, on another structure, includes creating an item from image-data corresponding to a colored article selected by an on-line viewer from an on-line viewer site with an image of a colored structure selected by the on-line viewer, and indicating whether the colored article and the colored structure satisfy a color-matching criterion.
    Type: Grant
    Filed: September 25, 2009
    Date of Patent: June 19, 2018
    Assignee: TAMIRAS PER PTE. LTD., LLC
    Inventors: Robert Giannini, Robert J. Crawford
  • Patent number: 9996873
    Abstract: An e-commerce method involves on-line viewing of a first article through a linking node for virtual merging on another structure. A particular application of the invention is directed to on-line apparel shopping involving a color matching scheme using color codes provided with images to be merged. For example, on-line viewing of one article, such as clothing, on another structure, includes creating an item from image-data corresponding to a colored article selected by an on-line viewer from an on-line viewer site with an image of a colored structure selected by the on-line viewer, and indicating whether the colored article and the colored structure satisfy a color-matching criterion.
    Type: Grant
    Filed: September 25, 2009
    Date of Patent: June 12, 2018
    Assignee: TAMIRAS PER PTE. LTD., LLC
    Inventors: Robert Giannini, Robert J. Crawford
  • Patent number: 9990672
    Abstract: An e-commerce method involves on-line viewing of a first article through a linking node for virtual merging on another structure. A particular application of the invention is directed to on-line apparel shopping involving a color matching scheme using color codes provided with images to be merged. For example, on-line viewing of one article, such as clothing, on another structure, includes creating an item from image-data corresponding to a colored article selected by an on-line viewer from an on-line viewer site with an image of a colored structure selected by the on-line viewer, and indicating whether the colored article and the colored structure satisfy a color-matching criterion.
    Type: Grant
    Filed: September 28, 2009
    Date of Patent: June 5, 2018
    Assignee: TAMIRAS PER PTE. LTD., LLC
    Inventors: Robert Giannini, Robert J. Crawford