Patents Examined by Hani M. Kazimi
-
Patent number: 11068980Abstract: Systems and methods for a trading interface with advanced features are provided. Along with providing the benchmark issue and non-benchmark issues, the trading application may also provide the trader with the ability to obtain trading information (e.g., another quad) for each of the related U.S. Treasury swaps (“T-swaps”), off-the-runs, yield curve T-swaps, and basis. In some embodiments, the trader may be provided with a customized keyboard to navigate through the trading interface. The keyboard preferably includes keys that allow the trader to quickly and efficiently switch between multiple issues in a quad. Using the keyboard, the trader may also be provided with price improvement functionality and direct dealing functionality. In some embodiments, the trading application may simultaneously display a DD ticker along with the trading quadrant that provides the trader with the progression of the direct dealings of the selected issue.Type: GrantFiled: September 14, 2012Date of Patent: July 20, 2021Assignee: BGC PARTNERS, INC.Inventors: Howard W. Lutnick, Joseph Noviello, Michael Sweeting, Lee Amaitis, Jim Johnson
-
Patent number: 11062131Abstract: A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.Type: GrantFiled: April 9, 2018Date of Patent: July 13, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Reynaldo Medina, III
-
Patent number: 11062130Abstract: A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.Type: GrantFiled: April 9, 2018Date of Patent: July 13, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Reynaldo Medina, III
-
Patent number: 11055680Abstract: In a method of processing a cash transaction, a transaction processing system receives an account transaction request identifying a user account and a cash transaction to be carried out using a cash service machine (CSM). A set of CSMs available for processing the account transaction request is determined and a list of available CSMs is transmitted to the requesting user device. A request to process the transaction including an identification of a selected CSM is received the user device or the selected CSM. A unique authentication code is generated and transmitted to the processing requester. The transaction processing system receives from the non-process requester, an authentication request including a purported authentication code. The system then verifies that the purported authentication code matches the unique authentication code. Upon positive verification, the system transmits an instruction to the CSM to carry out a cash exchange according to the requested account transaction.Type: GrantFiled: December 23, 2019Date of Patent: July 6, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy Phillips, Aditya Joshi
-
Patent number: 11042930Abstract: Certain aspects of the present disclosure provide techniques for improving a prediction of whether a non-sufficient funds fee will be incurred by a user utilizing machine learning techniques. For example, a predictive model may be trained using machine learning techniques based on historical data and derived data for a plurality of users. The predictive model may then be used to predict a probability of a particular user incurring an insufficient funds fee. The probability of the particular user may be used to generate an alert and suggestion to be presented to the particular user to avoid incurring the insufficient funds fee.Type: GrantFiled: March 20, 2018Date of Patent: June 22, 2021Assignee: INTUIT, INC.Inventors: Ido Mintz, Liron Hayman, Elhanan Mishraky
-
Patent number: 11037135Abstract: A gift card includes a card body having a retailer's or credit card company name and logo, a pre-printed gift card account balance representing the balance on the card when initially purchased, and a user-fillable Card Balance data field which can be completed using an ordinary pencil or pen. The gift card also may be printed with one or more prompts, such as a graphic or written instruction, to provide a user with sufficient instruction to use the re-writable functionality of the present invention, and may include dollar and cents indicators to facilitate a user to write the current and updated balance clearly and accurately.Type: GrantFiled: July 1, 2015Date of Patent: June 15, 2021Inventor: Robert C. Rinaldi
-
Patent number: 11030689Abstract: Auctioning mechanisms adapted to improve the integrity of dark order block trading is provided.Type: GrantFiled: November 17, 2014Date of Patent: June 8, 2021Assignee: NYSE Euronext Holdings LLCInventors: Alicia Suminski, Anais Fabienne Christiane Dony
-
Patent number: 11023893Abstract: The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorization for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorized. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorized or declined select module based on the identification message.Type: GrantFiled: August 18, 2016Date of Patent: June 1, 2021Assignee: Worldpay LimitedInventors: Jonathan Vokes, Nicholas Telford-Reed
-
Patent number: 11017410Abstract: Methods and corresponding system are herewith provided that, in certain embodiments, include the steps or steps of receiving a plurality of orders for an item from computing devices associated with a plurality of internal users; receiving a plurality of orders for the item from computing devices associated with a plurality of external users; determining a best bid and a best offer from the plurality of the orders from the plurality of internal users and the plurality of the external orders; and causing an interface screen to be displayed at a user computing device, the interface screen comprising a shared order book for the item that comprises a listing of the orders from the plurality of internal users and the plurality of external users sorted based at least by price, the shared order book arranged in a set of bid side columns and a set of ask side columns, each of the set of columns comprising at least one price column and at least one size column, and at least one column indicating a source of at least onType: GrantFiled: December 31, 2007Date of Patent: May 25, 2021Assignee: CFPH, LLCInventor: David Weiss
-
Patent number: 11017475Abstract: Methods and systems described in this disclosure determine area with an elevated risk of being involved in an accident, where a driver of an insured vehicle is expected to drive the insured vehicle through the area. The elevated risk may be a risk with a risk score greater than a first threshold. An alternative route that avoids the area of elevated risk can be determined. In some embodiments, an insurance discount is calculated for the policyholder of the insured vehicle if the alternative route is taken. A visual representation of the alternative route and the insurance discount if the alternative route is taken can be generated.Type: GrantFiled: October 4, 2016Date of Patent: May 25, 2021Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Susan Dunham
-
Patent number: 11010833Abstract: A method for generating a prediction of a latency of a transaction processing system includes: sampling a first plurality of messages from a database that stores data indicative of messages previously processed by the transaction processing system including a characteristic and a processing time of each previously processed message; generating latency tables based upon the characteristics and the processing times of the sampled first plurality of messages; determining a characteristic of each of a second plurality of messages being processed by the transaction processing system; selecting, for each of the second plurality of messages, a latency table from the plurality of latency tables based upon the respective determined characteristic; simulating a processing time for each of the second plurality of messages based upon the respective selected latency table; and generating a latency prediction for the transaction processing system based upon the simulated processing times for the second plurality of messageType: GrantFiled: October 9, 2015Date of Patent: May 18, 2021Assignee: Chicago Mercantile Exchange Inc.Inventors: Jose Antonio Acuña-Rohter, Paul Callaway, Kyle D. Kavanagh, Christopher Walsh, Sherry Bryant, Elisa Lugo, Joshua Hoffberg
-
Patent number: 11004045Abstract: Examples described herein relate to apparatuses and methods for reducing an amount of time that a user of a drive-up banking system is exposed to outdoor environmental conditions. A method includes detecting, by a drive-up banking system, a presence of a vehicle proximate the drive-up banking system; projecting, by the drive-up banking system, a user interface onto a vehicle window such that the user interface is visible to the occupant of the vehicle; receiving, by the drive-up banking system, information indicative of an identity of the occupant of the vehicle; determining, by the drive-up banking system, an account corresponding to the occupant of the vehicle; requesting, by the user interface, transaction information; receiving, by the user interface, information indicative of the transaction information; and conducting, by the drive-up banking system, a transaction based on the transaction information.Type: GrantFiled: January 18, 2019Date of Patent: May 11, 2021Assignee: Wells Fargo Bank, N.A.Inventor: Dennis E. Montenegro
-
Patent number: 10997657Abstract: Various embodiments relate to intelligently activating and deactivating a trading tool element of a trading tool to improve a user's confidence in the trading tool. By dynamically activating and deactivating elements on the trading screen, the trading tool effectively increases a user's confidence in placing a trading order, canceling a trade order, or both, for example, by eliminating or reducing undesirable options. Undesirable options might include those that are risky, contrary to a particular trading strategy, would result in a loss of money, and so on. Such an embodiment can improve the overall speed at which a user places or cancels a trade order by, among other things, effectively increasing the user's overall confidence in the trading tool.Type: GrantFiled: August 9, 2019Date of Patent: May 4, 2021Assignee: Trading Technologies International, Inc.Inventors: Mark W. Triplett, Brian J. Buck
-
Patent number: 10997659Abstract: An unpriced order auction and related market center and process are disclosed which allow posting market centers (e.g., exchanges) to schedule an auction that includes unpriced (Market) orders only. Such unpriced order auction executes at the midpoint of the NBBO, ensuring that the cross reflects the best prices in the entire marketplace, while discouraging the manipulation of the auction price on the posting market center. The disclosed auction also executes concurrently, but separately from the regular continuous matching process.Type: GrantFiled: February 27, 2020Date of Patent: May 4, 2021Assignee: Archipelogo Holdings, Inc.Inventors: Paul D. Adcock, Michael A. Cormack, Thomas F. Haller, Robert A. Hill
-
Patent number: 10990937Abstract: An application platform configurable for processing a plurality of retail-branded credit cards is provided. Embodiments include a configurable front end comprising a graphical user interface layer that is configurable to a specific one of a plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards and a location service coupled with said front end and coupled with said backend for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards.Type: GrantFiled: December 30, 2014Date of Patent: April 27, 2021Assignee: Comenity LLCInventors: James Walz, David Nack
-
Patent number: 10990951Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.Type: GrantFiled: January 18, 2019Date of Patent: April 27, 2021Assignee: Mastercard International IncorporatedInventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
-
Patent number: 10991049Abstract: A first inspection of insured property is performed to detect hazardous conditions related to the insured property. This first inspection is performed using a first set of imagery data received from one or more imagery data sources. One or more preventive measures are recommended to address the detected hazardous conditions based on analysis of the first set of imagery data. A second inspection is performed using a second set of imagery data received from the imagery data sources. The second inspection is performed to verify that recommended preventive measures have been taken. The first and second sets of imagery data may contain satellite and aerial imagery. The imagery data sources may provide information such as an image of an insured property's roof, an image of a terrain surrounding the insured property, or any other aerial images.Type: GrantFiled: September 23, 2015Date of Patent: April 27, 2021Assignee: United Services Automobile Association (USAA)Inventors: Ramsey Devereaux, Tearanie Kennedy, Michael J. Allen, Spencer Read, Elizabeth J. Rubin, Mark A. Zuwala, Mark F. Davis, Kathleen L. Swain
-
Patent number: 10984404Abstract: An application platform configurable for processing a plurality of retail-branded credit cards is provided. Embodiments include a configurable front end comprising a graphical user interface layer that is configurable to a specific one of a plurality of retail-branded credit cards and a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards.Type: GrantFiled: October 16, 2014Date of Patent: April 20, 2021Assignee: Comenity LLCInventors: David Nack, James Walz
-
Patent number: 10970778Abstract: Exemplary embodiments include a website for a financial institution that has a number of new features for users including: an action tray; “bring it to me” type navigation; a tile view for account information; simplified and homogenous navigation; a unified inbox for messages; and a returning customer log-in page. Accordingly, the website has a number of innovative features to enhance the user experience and streamline navigation of the website. The website can be used to conduct financial transactions as well as interface with the financial institution.Type: GrantFiled: March 13, 2013Date of Patent: April 6, 2021Assignee: JPMorgan Chase Bank, N. A.Inventors: Richard Starbuck, Brian Okelley, Anthony David Guido
-
Patent number: 10970693Abstract: Embodiments for providing Semi-Automatic ATM Configuration are generally described herein. In some embodiments, obtaining configuration connection details are obtained. The configuration connection details are used to connect to a configuration server and to configure a self-service terminal (SST).Type: GrantFiled: March 28, 2014Date of Patent: April 6, 2021Assignee: NCR CorporationInventors: Stefano Cipollone, Heather McCracken