Patents Examined by Irene S Kang
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Patent number: 11954190Abstract: Biometric information is obtained from a user. A determination is made that the obtained biometric information matches at least one entry in a biometric database. In response to determining that the obtained biometric information matches the at least one entry in the biometric database, non-biometric verification information is obtained. A determination is made as to whether at least a portion of the non-biometric verification information matches at least a portion of preset non-biometric verification information associated with the user. In response to determining that the at least a portion of the non-biometric verification information matches, a determination is made that an identity of the user is verified. In response to determining that the at least a portion of the non-biometric verification information does not match, a determination is made that the identity of the user is not verified.Type: GrantFiled: June 8, 2018Date of Patent: April 9, 2024Assignee: Advanced New Technologies Co., Ltd.Inventors: Huifeng Jin, Yanghui Liu, Chao Xiu, Liyun Dong, Weijie Xiao
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Patent number: 11941692Abstract: Networks, systems and methods for event triggered trading of investment vehicles are disclosed. Orders that are conditioned upon events occurring outside a market may be submitted to an exchange. The conditional orders may be held or stored until the occurrence or non-occurrence of the event. An event data feed is provided to provide information identifying the occurrence or non-occurrence of the event. In response to receiving information via the data feed identifying the event, the orders conditioned upon the event will be triggered, matched, and executed.Type: GrantFiled: February 8, 2016Date of Patent: March 26, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: James Raitsev, Stanislav Liberman
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Patent number: 11893634Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.Type: GrantFiled: December 9, 2021Date of Patent: February 6, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Arthur McWain, James J. Dunn
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Patent number: 11663587Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.Type: GrantFiled: April 24, 2020Date of Patent: May 30, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti
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Patent number: 11508012Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for proactive underwriting are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes identifying, by an insurance processing platform, an action by an entity that matches at least a first trigger rule. A proactive underwriting template is selected based on the at least first trigger rule, where the proactive underwriting template defines a number of data items required to complete the proactive underwriting template. The insurance processing platform is operated to automatically collect data associated with the plurality of required data items, and to perform a proactive underwriting analysis using the collected data. An underwriting determination is then rendered based on the proactive underwriting analysis.Type: GrantFiled: May 1, 2020Date of Patent: November 22, 2022Assignee: Hartford Fire Insurance CompanyInventors: Ryan Owen Denning, Mushter Munib Moin, Deborah L. Perschy
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Patent number: 11354736Abstract: Computer-implemented methods and systems, including a user interface, that (a) calculate and display a graphical representation of a market implied probability distribution for the future prices of a tradable asset, which is derived from real time prices of the options on the asset, (b) permit the user to customize the market implied probability distribution graph to reflect the user's own view on the probability that the future price of the asset will be within a price range, and (c) propose an optimal trading strategy implemented as a combination of option orders, which strategy is optimized to be profitable assuming the customized probability distribution (if any). The combination orders may be modified and/or added to by the user.Type: GrantFiled: October 29, 2014Date of Patent: June 7, 2022Assignee: Interactive Brokers LLCInventors: Thomas Pechy Peterffy, Eugene Balkovski, David Bowman, Milan Galik, Dennis Stetsenko
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Patent number: 11232518Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.Type: GrantFiled: May 8, 2020Date of Patent: January 25, 2022Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Arthur Mcwain, James J. Dunn
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Patent number: 11107082Abstract: A method and system are provided for authorizing an electronic transaction between two entities. The method includes receiving, at a verification module, coincidentally captured facial image data relating to both of the two entities and authenticating each of the two entities based on a comparison between the coincidentally captured facial image data and respective facial image templates relating to each of the two entities enrolled in a database. The method also includes retrieving, from the database, account data relating to each of the two entities based on the coincidentally captured facial image data, on determining that each of the two entities are positively authenticated, and generating an authorization message for authorizing the electronic transaction, where the authorization message comprises the account data relating to each of the two entities retrieved from the database.Type: GrantFiled: August 4, 2017Date of Patent: August 31, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Arunmurthy Gurunathan, Ravi Pareek, Ganesh Shinde
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Patent number: 10692136Abstract: A system and method for opening an account at an institution. First information of a user may be received from a mobile device, and second information of the user may be received from the mobile device, the second information being converted from an image of a primary document. The first information may then be validated against the second information, and an account opened for the user if the first information validates against the second information. The step of receiving first information may include receiving optical character recognition data converted from an image of a secondary document such as a driver's license. The step of receiving second information may include receiving optical character recognition data converted from an image of the primary document such as a personal check, a debit card, a credit card, etc.Type: GrantFiled: September 21, 2012Date of Patent: June 23, 2020Assignee: CAPITAL ONE SERVICES, LLCInventor: David Pinski
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Patent number: 10672077Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for proactive underwriting are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes identifying, by an insurance processing platform, an action by an entity that matches at least a first trigger rule. A proactive underwriting template is selected based on the at least first trigger rule, where the proactive underwriting template defines a number of data items required to complete the proactive underwriting template. The insurance processing platform is operated to automatically collect data associated with the plurality of required data items, and to perform a proactive underwriting analysis using the collected data. An underwriting determination is then rendered based on the proactive underwriting analysis.Type: GrantFiled: June 14, 2013Date of Patent: June 2, 2020Assignee: Hartford Fire Insurance CompanyInventors: Ryan Owen Denning, Mushter Munib Moin, Deborah L. Perschy
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Patent number: 10496981Abstract: Peer-to-peer type communications are facilitated in a secure communication device. As consistent with one or more example embodiments, near-field communications are effected (150, 152) using a secure payment protocol conforming to a predefined certification standard for the secure payment protocol (100). Communication operability is transmitted (152) under the secure payment protocol and used to identify other protocols/applications under which communications can be effected. This information is used to effect P2P protocol communications (160), where applicable, and to do so while complying with the secure payment protocol.Type: GrantFiled: June 4, 2013Date of Patent: December 3, 2019Assignee: NXP B.V.Inventor: Jeremy Geslin
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Patent number: 10430845Abstract: A purchase request system efficiently procures goods and services by recognizing purchase authority levels of users within an enterprise, division, or project team. Administrators establish authority levels to ensure that purchase requests within a user's authority level are automatically processed and submitted to vendors for fulfillment of orders, while purchase requests beyond a user's authority level are routed according to a determined protocol. Determined protocols include routing the purchase request to a designated user with a different authority level for disposition, rejection of the purchase request, or modification of the purchase request in accordance with the determined protocol. Users may select from multiple payment methods to complete a purchase transaction and may access the purchasing system in real time to determine the status of an order at any point in the life cycle of the purchase request, from submission of the request to payment for received goods and services.Type: GrantFiled: October 23, 2006Date of Patent: October 1, 2019Assignee: ADVENTIVE, INC.Inventors: David A. Koretz, Rob Chamberlin, James Simpson
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Patent number: 10304063Abstract: A method (400, 500) of advertising. The method can include communicating to a client (106) a hyperlink corresponding to a virtual world (300) and associating with the hyperlink an identifier corresponding to an advertisement (302) to be presented to a user (108) in the virtual world during a user session. The method also can include identifying an identifier (114) corresponding to an advertisement to be displayed in a virtual world during a user session in response to receiving a request (116) from a client identifying a uniform resource identifier corresponding to the virtual world, and presenting the advertisement within the virtual world during the user session. A method (600) of providing financial incentives for advertising can include receiving an advertising activity indicator (120, 122) and processing the advertising activity indicator to determine financial incentives to be provided to an entity associated with the website.Type: GrantFiled: December 12, 2007Date of Patent: May 28, 2019Assignee: Google Technology Holdings LLCInventor: Stuart S. Kreitzer
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Patent number: 10007902Abstract: In one aspect, the present application is directed to a communications network, a computer system, a computer-implemented method, and a computer program product for providing a femtocell-based infrastructure for mobile electronic payment. In an aspect, the communications network may include a mobile operator network; a local area in the mobile operator network, wherein the local area is under coverage of at least one femtocell; and a femtocell-based payment system connected to the mobile operator network, wherein the femtocell-based payment system is operable to provide mobile electronic payment via a user device recognized by the at least one femtocell within the local area and notified by the femtocell-based payment system.Type: GrantFiled: February 4, 2014Date of Patent: June 26, 2018Assignee: ACCENTURE GLOBAL SERVICES LIMITEDInventors: Giuseppe Capuozzo, Gianluca D'Angelo, Orlando Onorato, Alessandro Imparato, Daniele D'Errico
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Patent number: 10002303Abstract: A method and system are disclosed for identifying in real time duplicate financial documents processed by a financial institution or check clearinghouse. A collection of hash values representative of previously processed financial documents are maintained in a memory, such as a GPU memory. When a new financial document enters the financial institution or check clearinghouse for processing, one or more features of the financial document are captured. A hash value is generated from the one or more features of the financial document. A search is performed in the collection of hash values for a matching hash value. If a match is found, a potential fraudulent event or operational error may be indicated. If a match is not found, the hash value representative of the new financial document is added to the collection of hash values.Type: GrantFiled: May 14, 2012Date of Patent: June 19, 2018Assignee: SYMCOR INC.Inventors: John Wall, Paul van den Ende, Brian Salway, John Loeser, Edward Jose Mamede, Felix Chih-Han Wu, Marius Dan Stroe