Patents Examined by I Jung Liu
  • Patent number: 10885507
    Abstract: A system and method of operating a computing system including: detecting, based on a log file of an automated teller machine (ATM), an error event; identifying a customer associated with the error event based on the log file; accessing, from a customer identification database, a customer profile associated with the customer; authenticating the customer on a mobile application, based on the customer profile; and initiating a mobile transaction session based on authenticating the customer, wherein the customer can complete a transaction with the ATM via the mobile application during the mobile transaction session.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: January 5, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Christopher Schott
  • Patent number: 10878501
    Abstract: An example computer system is configured to access broker order data and executed trade information in a memory, and to correlate the executed trade information and broker order data. The computer system is further configured to generate a view arranged to simultaneously display order spread, trade price for executed trades, and order book depth over a time period, based upon the correlated data. The broker order data represent orders transmitted by an external computer to an electronic exchange to trade in a tradeable instrument. The executed trade information includes information on trades executed by the electronic exchange based on the said orders.
    Type: Grant
    Filed: March 6, 2018
    Date of Patent: December 29, 2020
    Assignee: Nasdaq Technology AB
    Inventors: Michael O'Brien, Alan Jukes, Saker Asllan
  • Patent number: 10853805
    Abstract: There is provided a data processing system comprising a plurality of computing nodes configured to host a distributed ledger, a computing device communicatively coupled with one of the computing nodes, and a data store communicatively coupled with the computing device. The distributed ledger comprises a plurality of user accounts, each of the plurality of user accounts having an address on the distributed ledger, and one or more asset contracts, each of the one or more asset contracts having an address on the distributed ledger. The computing device is operable to provide association data to a first asset contract of the one or more asset contracts, the provided association data comprising an address on the distributed ledger of a first user account of the one or more user accounts, and data indicative of a first data location in the data store.
    Type: Grant
    Filed: March 28, 2019
    Date of Patent: December 1, 2020
    Assignee: Freeformers Holdings Limited
    Inventors: Anthony John Wilkinson, Arjuna Gihan Fernando
  • Patent number: 10853812
    Abstract: A method includes acquiring blockchain data that includes transactions between a plurality of blockchain addresses. The method includes labeling a set of the blockchain addresses as fraudulent and generating a graph data structure based on the blockchain data. The method includes calculating a set of scoring features for each blockchain address, where each set of scoring features includes a graph-based scoring feature. Calculating the graph-based scoring feature includes calculating a number of transactions associated with the blockchain address in the graph data structure. The method includes generating a scoring model using sets of scoring features for the blockchain addresses that are labeled as fraudulent and generating a trust score for each blockchain address using the scoring features and the scoring model. The trust score indicates a likelihood that the blockchain address is involved in fraudulent activity. Additionally, the method includes sending a requested trust score to a requesting device.
    Type: Grant
    Filed: March 7, 2019
    Date of Patent: December 1, 2020
    Assignee: Coral Protocol
    Inventors: David Charles Kuchar, Malcolm Garland
  • Patent number: 10839375
    Abstract: Various systems, mediums, and methods may be implemented to provide data security by detecting microcontrollers in physical wallets. One example method may include detecting that a physical wallet comprises a plurality of physical cards based at least on a communication with a microcontroller of the physical wallet; comparing the plurality of physical cards with a plurality of digital cards of a digital wallet that corresponds the physical wallet; detecting at least one missing physical card from the physical wallet based at least on comparing the plurality of physical cards with the plurality of digital cards; and transmitting a notification to one or more user devices with access to the digital wallet. The notification may indicate information identifying the at least one missing physical card.
    Type: Grant
    Filed: December 1, 2016
    Date of Patent: November 17, 2020
    Assignee: PAYPAL, INC.
    Inventors: Srivathsan Narasimhan, Satish Narayan Govindarajan
  • Patent number: 10839387
    Abstract: A method, computer system, and computer program product are provided for automatically causing an action to be performed and a payment for the action to be made in a blockchain environment. The blockchain environment receives a transaction. The transaction is configured to activate a smart contract. In response to being activated by the transaction, the smart contract issues a message within the blockchain environment. The message causes the action to be performed at a location device and an indication of the payment for the action to be rendered on a display of a device.
    Type: Grant
    Filed: January 15, 2019
    Date of Patent: November 17, 2020
    Assignee: ADP, LLC
    Inventors: Kurt Newman, Debashis Ghosh, Robert Wohlers
  • Patent number: 10839385
    Abstract: A method for subverting open transmission of personally identifiable information through the use of tokenization includes: receiving a token request from an issuing financial institution; identifying a digital token; mapping the identified digital token to a primary account number; transmitting the identified digital token to the issuing financial institution; receiving a data request from a third party, wherein the data request includes the identified digital token; replacing the identified digital token in the data request with the mapped primary account number; transmitting the data request including the mapped primary account number to the issuing financial institution; receiving a data package including one or more items of personally identifiable information; and forwarding the data package.
    Type: Grant
    Filed: April 11, 2019
    Date of Patent: November 17, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Pedro Chavarria, Joseph Hayes, Marek Kurylko
  • Patent number: 10825023
    Abstract: A user verification method may comprise: by an application, performing an account verification on account information of a to-be-verified user; performing, based on a stored mobile phone number in the account information, a mobile phone number verification on a user terminal in which the application is located if the account verification succeeds; sending an identification code of the application and the stored mobile phone number to a back-end server of the application if the mobile phone number verification succeeds, and sending a verification request packet generated according to the identification code and basic information of the stored mobile phone number to a target base station; receiving the verification notification returned by the back-end server, and determining, according to the verification notification, whether the verification of the to-be-verified user succeeds; and performing a fast payment signing process to generate a fast payment agreement when the verification of the to-be-verified user
    Type: Grant
    Filed: April 10, 2020
    Date of Patent: November 3, 2020
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Yan Yu
  • Patent number: 10825091
    Abstract: Systems and methods for creating and maintaining multi-manager exchange traded funds. An embodiment of a method includes receiving a plurality of model portfolios, each created by a different portfolio manager and identifying a plurality of assets traded on a stock exchange. A portfolio composition file is created based at least in part on at least a portion of the model portfolios. The portfolio composition file identifies a set of constituent assets traded on the stock exchange. One or more authorized participants are authorized to trade the set of constituent assets for a creation unit of an exchange traded fund. The creation unit includes at least one share that is tradable on the stock exchange by both the authorized participant(s) and the investors.
    Type: Grant
    Filed: October 30, 2018
    Date of Patent: November 3, 2020
    Assignee: RUSSELL INVESTMENTS GROUP, LLC
    Inventors: Mark Stadler Roberts, Richard Frank Johnson, Jr., Robert Kuharic, Joseph DeWayne Smith
  • Patent number: 10817953
    Abstract: Systems and methods are disclosed for creating, maintaining, and interacting with a distributed ledger for VIN recordkeeping related to a particular vehicle. The systems and methods include the use of smart contracts, and receiving information about the vehicle, such as a description of the vehicle, whether the vehicle is covered by insurance, financial information related to the vehicle, and any maintenance data about the vehicle. This information may be used to create a distributed ledger for the particular vehicle, and during the vehicle's lifetime events related to the vehicle may be recorded in the distributed ledger.
    Type: Grant
    Filed: March 2, 2018
    Date of Patent: October 27, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: William J. Leise, Jacob J. Alt, Jaime Skaggs, Eric Bellas, Shawn M. Call, Eric R. Moore, Melinda Teresa Magerkurth, Vicki King
  • Patent number: 10810678
    Abstract: The invention is a system and method of appraising and managing risk relating to technology needs using a risk management processing engine. The risk management processing engine serves as a central server for an administrator to manage a plurality of policy holders and third party service technicians. The invention gathers policy holder data, determining the risk associated with the data, creating a risk management policy for technology service events and technology service situations in order to mitigate or eliminate the risk, and resolving serviceable events when risk is actualized.
    Type: Grant
    Filed: August 17, 2018
    Date of Patent: October 20, 2020
    Inventor: Michael Price
  • Patent number: 10803524
    Abstract: The Multidimensional Asset Management Tag Pivot Apparatuses, Methods and Systems (“MAMTP”) transforms iTag Creation Request and iTag Creation Responses, holdings selections, allocation splits, goal map selections, goal option selections, account links inputs via MAMTP components into iTag records, iTagged asset information, asset buy/sell approval, asset order, map goal add, tracking, outputs. In one embodiment, the MAMTP includes a memory connected to a processor, wherein the processor issues instructions to obtain an asset collection identifier for an asset collection from a user, obtain interest profile constraints associated with the asset collection identifier, which allows the MAMTP to provide a plurality of interest tags for selection to the user.
    Type: Grant
    Filed: September 13, 2019
    Date of Patent: October 13, 2020
    Assignee: Marstone, Inc.
    Inventors: Margaret Josephine Hartigan, Robert Morris Stone
  • Patent number: 10776873
    Abstract: Systems, methods, and apparatus for confirming trade actions are disclosed. An example method includes displaying a trade action cell corresponding with a trade action, receiving an initiation command, determining that the trade action was initiated based on the initiation command, receiving a confirmation command, wherein the confirmation command is a selection of the same trade action cell, and executing the trade action based on reception of the confirmation command.
    Type: Grant
    Filed: October 30, 2019
    Date of Patent: September 15, 2020
    Assignee: Trading Technologies International, Inc.
    Inventors: Stephen P. Decker, Brien D. Grey
  • Patent number: 10776765
    Abstract: The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM.
    Type: Grant
    Filed: June 21, 2017
    Date of Patent: September 15, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Catherine L. Amann, Arthur Barnett, Jaromir G. Divilek, Garling Lee, Eric T. Nissenbaum
  • Patent number: 10776777
    Abstract: Various examples are directed to systems and methods for consolidation application access within a master mobile wallet. The master wallet may be activated using a master password. The master wallet may display a menu of the one or more mobile wallet applications and receive a selection of a particular mobile wallet application to add to the master mobile wallet application. The master wallet may receive a selection to use the master password for activating the particular mobile wallet application. After, the master wallet may receive a selection to activate an added mobile wallet application. The master wallet may activate the added mobile wallet application without requiring user input of an individual password for the particular mobile wallet application during the activating.
    Type: Grant
    Filed: August 4, 2017
    Date of Patent: September 15, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10769575
    Abstract: Systems and methods are provided for distributing parcels to recipients based on location data associated with the recipients. One exemplary method includes generating and storing a shipping file for the recipient, where the shipping file includes an identifier for a portable communication device associated with the recipient and a defined geographic region for the recipient, and retrieving location data for a location of the portable communication device based on the identifier associated with the portable communication device. The method also includes determining whether the location of the portable communication device is within the defined geographic region. The method then further includes directing an entity associated with the parcel to ship the parcel to the recipient when the location is determined to be within the defined geographic region, and directing the entity to hold shipment of the parcel when the location is determined to be outside the defined geographic region.
    Type: Grant
    Filed: September 26, 2017
    Date of Patent: September 8, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rick Unnerstall, Bernard Wong, Corey M. Hively
  • Patent number: 10762478
    Abstract: Methods and systems are disclosed for transactions with a private digital currency. The private e-currency may be backed by a financial institution, managed using a blockchain, and only available for transactions with members of a network associated with the financial institution. The members may include mobile wallets, merchants and ATM's. A mobile wallet may register with the network and receive an amount of the private e-currency from the financial institution. The mobile wallet may establish a connection with a payment recipient such as another wallet, an ATM or a merchant, and receive a payee address. The mobile wallet may send a transaction request to the blockchain for payment to the payee address of a payment amount of the private e-currency, so that the payment recipient can, using a blockchain, confirm or deny the transaction request.
    Type: Grant
    Filed: August 4, 2017
    Date of Patent: September 1, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 10755277
    Abstract: A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.
    Type: Grant
    Filed: July 8, 2014
    Date of Patent: August 25, 2020
    Assignee: VERIENT, INC.
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 10740849
    Abstract: Systems and methods are disclosed for interacting with smart contracts stored on a blockchain to control vehicle related activity. The systems and methods may include (1) receiving one or more transactions from one or more computing devices, the transactions associated with a particular vehicle and include a VIN for the vehicle and indicative of at least one of a trigger condition associated with the vehicle; (2) compiling the one or more transactions into a block of transactions; (3) distributing the block to a plurality of validation entities to form a consensus on an update to the distributed ledger; (4) routing the one or more transactions within the block to respective smart contracts associated with the VIN; and/or (5) automatically executing an action the particular smart contract directs should be performed in response to the particular trigger condition.
    Type: Grant
    Filed: March 2, 2018
    Date of Patent: August 11, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: William J. Leise, Jacob J. Alt, Jaime Skaggs, Eric Bellas, Shawn M. Call, Eric R. Moore, Melinda Teresa Magerkurth, Vicki King
  • Patent number: 10740844
    Abstract: In some examples, a system or method of implementing a smart contract on a blockchain can involve receiving an indication of a portfolio of assets, an amount from a buyer to invest in the portfolio, a number of assets in the portfolio that is based on exchange rates and the amount to invest, and a confirmation from the buyer of the number of assets. The system or method can involve calculating a cost of the portfolio to yield a contract, receiving the amount and excess collateral from the buyer as a buyer acceptance of the contract, and an entity acceptance of the contract including an entity amount. The system or method can involve receiving, at the smart contract, a request from the buyer to close the contract, and settling the contract via the smart contract at a current value of the portfolio based on pricing data from a valuation entity.
    Type: Grant
    Filed: September 26, 2017
    Date of Patent: August 11, 2020
    Assignee: ShapeShift AG
    Inventors: Adam Stradling, Erik Voorhees