Patents Examined by Hani M. Kazimi
  • Patent number: 10776869
    Abstract: A system includes processing circuitry communicatively coupled to a plurality of terminals and a database that includes a first data structure that identifies a plurality of participant entities and that associates each of at least a subset of the participant entities with participant category information, by which the processing circuitry is configured to identify each of the participant entities as being one of three participant category entities, a second data structure that identifies assignable share data structures and respective ones of the plurality of participant entities to which the share data structures are assigned, and a third data structure that identifies offers of the participant entities to unload one or more of the share data structures assigned to the offering participant entities, and offers of the participant entities to obtain assignment of one or more of the share data structures, offers being matched according to a three-tier paradigm.
    Type: Grant
    Filed: September 23, 2015
    Date of Patent: September 15, 2020
    Inventors: Robert Eric Rice, Michael Chapman
  • Patent number: 10776781
    Abstract: Systems and methods for facilitating a transaction between a first entity and a second entity using a digital currency are described. In some aspects, a computing node participates in a private distributed ledger for a financial institution and stores one or more transaction blocks representing transactions in a digital currency. The digital currency is issued by the financial institution and is fixed with respect to a fiat currency. The computing node is configured to receive a transaction for transferring an amount of digital currency from a first entity to a second entity, generate a new transaction block representing the transaction, transmit the new transaction block to other computing nodes participating in the private distributed ledger, receive an indication of validity of the new transaction block, and insert the new transaction block into the private distributed ledger.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: September 15, 2020
    Assignee: MFF LLC
    Inventors: Jonathan Mayblum, Zachary Mayblum
  • Patent number: 10776863
    Abstract: Techniques to display trading assets in a preferred currency are described. 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 price, quotas, 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, where a prevailing exchange rate is obtained prior to a transaction to prevent uncertainty in currency exchanges in another time.
    Type: Grant
    Filed: August 27, 2018
    Date of Patent: September 15, 2020
    Inventor: Jacky Benmoha
  • Patent number: 10748131
    Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.
    Type: Grant
    Filed: October 3, 2017
    Date of Patent: August 18, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 10713718
    Abstract: Various embodiments comprise systems, methods, and computer-readable media for configuring and trading binary options. A first index may be configured, e.g., based on a portfolio configured by a user. One or more second indices may be determined. A binary option may pay out if the first index outperforms the one or more second indices, e.g., over a period of time. The binary option may be traded in the primary and secondary markets.
    Type: Grant
    Filed: May 19, 2016
    Date of Patent: July 14, 2020
    Assignee: CFPH, LLC
    Inventors: Rich Jaycobs, Thomas D. Bradshaw, Jason Poulos
  • Patent number: 10713651
    Abstract: A method for a shared resource management system is discussed. The method includes managing a shareable digital artifact for sharing between applications hosted by a user devices. The shared artifact is accessible, at the same time, by first and second application. The use of the shared artifact by the first application makes the shared artifact unavailable for use by the second application. The method includes determining whether a notification is received from the first application indicating that the shared artifact is used by the first application at a merchant. The method includes, in response to a determination that the notification is received, marking the shared artifact used. In response to marking the shared artifact used, a used artifact notification is sent to the second application to indicate that the shared artifact has been used and it is unavailable for use by the second application.
    Type: Grant
    Filed: March 1, 2017
    Date of Patent: July 14, 2020
    Assignee: PayPal, Inc.
    Inventors: Sathish Vaidyanathan, Nikant Vohra, Aditya Bharadwaj, Akshay Goel
  • Patent number: 10713640
    Abstract: The present invention relates to a mobile terminal having a touch screen configured to perform fingerprint recognition and a control method therefor. A mobile terminal according to an embodiment of the present invention comprises: a wireless communication unit; a touch screen including a fingerprint recognition sensor; and a controller configured to cause the touch screen to display a virtual home button at one area of the touch screen based on a touch received at the one area; perform fingerprint authentication on a fingerprint of a finger used to apply the touch to the virtual home button via the fingerprint recognition sensor when the touch is maintained at the one area after the virtual home button is displayed.
    Type: Grant
    Filed: September 25, 2015
    Date of Patent: July 14, 2020
    Inventors: Jie Seol, Soyeon Yim
  • Patent number: 10706408
    Abstract: The present application provides a barcode-based communication method, including: rendering first transmission information into a first barcode, and displaying the first barcode for scanning by a peer device; and scanning a second barcode displayed by the peer device, to obtain second transmission information included in the second barcode, where the second transmission information is obtained by the peer device based on a processing result of the first transmission information. According to the technical solutions of the present application, two communication parties can perform bidirectional information transmission by using barcodes, to alleviate information asymmetry caused by unidirectional communication and improve service integrity and security.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: July 7, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Ziqiang Chen
  • Patent number: 10699345
    Abstract: According to some embodiments, data associated with a plurality of potential insurance customers may be received and analyzed to identify a set of similar potential insurance customers. For the set of similar potential insurance customers, at least one customized insurance parameter may be automatically determined and a customized insurance product, including a customized insurance premium value, may be created based on the customized insurance parameter. It may then be arranged for each of the similar potential insurance customers to receive an indication of the customized insurance product.
    Type: Grant
    Filed: October 3, 2014
    Date of Patent: June 30, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Michael F Atwell, Laura O'Connor Hanson, Stephen M. Jones
  • Patent number: 10699335
    Abstract: A Total Loss Predictor Score assesses the risk of Total Loss of new credit applications by leveraging the most powerful insights from business databases. The Total Loss Predictor Score built on segmentation and algorithms that use the commercial information from business databases, powered by analytics, delivers a unique solution for credit risk management to help business creditors with origination decisions.
    Type: Grant
    Filed: April 18, 2014
    Date of Patent: June 30, 2020
    Inventors: Xin Yuan, Paul Douglas Ballew, Nipa Basu, Jianjing Ling, Kathleen Wachholz, Alla Kramskaia, Brian Scott Crigler
  • Patent number: 10692050
    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: April 6, 2016
    Date of Patent: June 23, 2020
    Assignee: American International Group, Inc.
    Inventors: Vikas Taliwal, Siddhartha Dalal, Kaigang Li, Gaurav Sharma
  • Patent number: 10692144
    Abstract: A routing system rapidly determines whether messages received by a data transaction processing system related to data objects in a computing system should be routed through or bypass integrity modules designed to detect and mitigate undesirable object conditions. The routing system may, in one embodiment, rely upon previous decisions made by the integrity modules. The routing system may also access data structures storing information about a current environment state to determine whether a message should be routed through the time consuming integrity modules. The routing system may additionally determine and specify which values associated with a message should be checked against integrity module logic.
    Type: Grant
    Filed: April 6, 2016
    Date of Patent: June 23, 2020
    Assignee: Chicagil Mercantile Exchange Inc.
    Inventor: Dileep Chakravarthi Konduru
  • Patent number: 10692073
    Abstract: A card management system using a mobile wallet according to the present invention comprises: a user terminal having a mobile wallet for performing a finance trade function corresponding to a finance card; and a card management server which receives and stores card image information for the finance card from the user terminal, and which, when the finance card is to be used by way of the mobile wallet, searches for the stored card image information and provides the card image information to the user terminal.
    Type: Grant
    Filed: October 2, 2015
    Date of Patent: June 23, 2020
    Assignee: SK Planet Co., Ltd.
    Inventor: Jong Won Woo
  • Patent number: 10685398
    Abstract: A credit report system is provided that may generate various user interfaces for a consumer. Credit accounts may be accessed and analyzed by receiving data from one or more of the national credit bureaus. The credit report system may present account information to a consumer in the form of credit account tiles, wherein the tiles each represent an account of the consumer. The consumer may also be able to search credit accounts, sort credit accounts, view the impact of credit accounts on one or more of the consumer's credit scores, interact with the credit accounts, make payments to credit accounts, and otherwise monitor changes to consumer's credit accounts.
    Type: Grant
    Filed: April 17, 2014
    Date of Patent: June 16, 2020
    Assignee:, Inc.
    Inventors: Gregory Thomas Olson, Vijay Prakash Sivaji, Nelson Yu, Ralph Keith Monteath
  • Patent number: 10679197
    Abstract: The invention provides systems and methods directed to a user device that provides an IA (interface assistance) visual displayed on the user device, the user device including a computer processor operably connected to a non-transitory memory portion, the user device for use by a human user.
    Type: Grant
    Filed: December 31, 2014
    Date of Patent: June 9, 2020
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Brian Gantert, Brent Samuels
  • Patent number: 10664821
    Abstract: Systems, methods, apparatus and computer program code are provided to receive payment card and mobile identity information from a mobile device associated with a user, determine account and mobile device eligibility and capability and in the case where the mobile device is NFC capable, triggering a tokenization process to generate a tokenization record associated with the payment card, storing the payment card information associated with the user securely, and transmitting card reference information associated with at least one of (i) the tokenization record, and (ii) the stored payment card information to the mobile device for use in transactions.
    Type: Grant
    Filed: July 21, 2016
    Date of Patent: May 26, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Nishith Shah
  • Patent number: 10664833
    Abstract: First and second wallet form data are transmitted to a mobile device. The first and second wallet form data indicate funding account options respectively available from two different digital wallets. The user of the mobile device may split funding for a transaction between an account selected from the first digital wallet and an account selected from the second digital wallet.
    Type: Grant
    Filed: August 26, 2014
    Date of Patent: May 26, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Cristian Radu
  • Patent number: 10636096
    Abstract: A system for dynamic generation of an electronic identification card based on real-time policy information is provided. The system includes a processing device and a memory device. The memory device stores instructions that when executed by the processing device may result in receiving a request for an electronic identification card. The system then selects a policy specific to the user based on an electronic device being associated with the user and retrieves policy information of the policy specific to the user in response to the receiving of the request for the electronic identification card and to the selecting of the policy specific to the user. The system then compiles the electronic identification card that includes policy element fields, each policy element field presenting dynamic data elements specific to the user based on the policy information, and outputs to the electronic device associated with the user the electronic identification card.
    Type: Grant
    Filed: April 8, 2016
    Date of Patent: April 28, 2020
    Inventors: Jeffrey F. Carlson, Flinn Mueller, Michal W. Sterzycki
  • Patent number: 10636090
    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: December 14, 2018
    Date of Patent: April 28, 2020
    Assignee: Trading Technologies International, Inc.
    Inventor: Michael L. Fishbain
  • Patent number: 10628806
    Abstract: Systems and methods of improving the operation of a test data provisioning network and test data provisioning network devices is disclosed. A data hub layer comprising an interstitial logic boundary at a periphery of a consumption environment and configured to interact with a production environment whereby test data may be provisioned without direct access by a user to the production environment. In this manner, the efficiency and resiliency of the production environment may be enhanced and the test data may be improved, so that the network more properly functions according to approved parameters.
    Type: Grant
    Filed: December 16, 2015
    Date of Patent: April 21, 2020
    Inventors: Lee A. Barnett, Satish K. Jayaraman