Patents Examined by Jason Borlinghaus
  • Patent number: 10026127
    Abstract: Some embodiments of the invention provide systems and methods for displaying market data for a tradable object which are configured to generate order entry fields for display responsive to user input wherein the generated fields are automatically associated with a price for the tradable object to facilitate the timely placement of a trade.
    Type: Grant
    Filed: August 17, 2017
    Date of Patent: July 17, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 10002387
    Abstract: The present invention is directed to apparatuses, methods, and computer program products for implementing a pre-contracted, staged, currency exchange system. Implementation includes receiving travel information from a user; processing the travel information, wherein processing the travel information comprises determining a negotiated currency exchange rate based on the received travel information; generating a contract based on processing the travel information, wherein the contract comprises terms for executing one or more transactions using the negotiated currency exchange rate, wherein the negotiated currency exchange rate is valid for at least one of a predetermined location, a predetermined number of transactions, or a predetermined period of time; and executing one or more transactions using the negotiated currency exchange rate in accordance with the contract terms.
    Type: Grant
    Filed: October 10, 2014
    Date of Patent: June 19, 2018
    Assignee: Bank of America Corporation
    Inventors: Tyler Johnson, Christian Michael Mande, James Robert Grimsley, Sara Gill, Nathan Dent, Kristy M. Crist
  • Patent number: 9984417
    Abstract: A computer device and method for processing risk or loss related data to determine insurance mitigation actions. Informatic data is received for an insured property from one or more informatic sensor devices associated with the insured property. Analysis is performed on the received informatic data to determine one or more risk conditions relating to the insured property. A mitigation report is generated based upon the determined one or more determined risk conditions which identifies one or more mitigation actions to be taken by an insured to reduce risks and the potential for future losses to the insured property.
    Type: Grant
    Filed: May 15, 2014
    Date of Patent: May 29, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, Teddy J. Voutour, William Chandler, Michael P. Burns, Kathleen L. Swain, Cleburne R. Burgess
  • Patent number: 9916628
    Abstract: Computer-implemented methods, systems and articles of manufacture for modifying the manner in which interview questions are presented to a user of a tax return preparation application to provide a more personalized experience during preparation of an electronic tax return. A selected question that is consistent with a data model or schema is modified or twisted such that the selected question is reworded or rephrased. The modified question, rather than the original question, is presented to the user. The user's answer to the modified question is converted, mapped or “untwisted” to derive a corresponding answer to the original question that is consistent with the data model or schema utilized by the tax return preparation application. The corresponding answer may then be read by a rule engine or logic agent that utilizes a decision table that defines rules to determine which additional or other questions can be presented to the user.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: March 13, 2018
    Assignee: INTUIT INC.
    Inventors: Gang Wang, Kevin M. McCluskey, Jay J. Yu, Matthew L. Sivertson
  • Patent number: 9916622
    Abstract: A high speed apparatus and method for processing a plurality of financial market data messages are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to map the symbols present in the financial market data messages to another symbology.
    Type: Grant
    Filed: February 17, 2014
    Date of Patent: March 13, 2018
    Assignee: IP Reservoir, LLC
    Inventors: Scott Parsons, David E. Taylor, David Vincent Schuehler, Mark A. Franklin, Roger D. Chamberlain
  • Patent number: 9892106
    Abstract: Methods, systems and articles of manufacture for analyzing a government form for a filer to be filed with an appropriate government agency. A computerized form analysis system receives a plurality of data values for completing the government form. The system creates a first feature vector using the plurality of data values representing the first government form. The form analysis system compares the first feature vector to a set of training set feature vectors for previously filed government forms. Each of the training set feature vectors is associated with a respective known outcome in filing the form, such as a positive outcome or negative outcome. The system determines that the first feature vector is similar to one or more training set feature vectors and based upon this determination, and the likelihood of an expected outcome in filing the first government form based on this determination.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: February 13, 2018
    Assignee: INTUIT INC.
    Inventors: Christopher Lesner, Alexander S. Ran
  • Patent number: 9892401
    Abstract: A transaction processing server acts as an identity aggregator and enables transactions between a user computing device and plurality of merchant servers. The transaction processing server receives a request from the user computing device to conduct the financial transaction with a merchant server. The transaction processing server determines a plurality of user identifiers identifying a user account associated with the user computing device at each of a plurality of online systems, where a first identifier is a transaction processing server identifier identifying a user account at the transaction processing server and a second identifier is a merchant identifier identifying a user account at the merchant server. Financial information is retrieved using the plurality of user identifiers.
    Type: Grant
    Filed: October 16, 2014
    Date of Patent: February 13, 2018
    Assignee: Kachyng, Inc.
    Inventor: Resh Wallaja
  • Patent number: 9805418
    Abstract: Regulating order entry based on an acceptable slop range for a trading strategy is described. According to one example embodiment, a trader may define an acceptable slop range for a trading strategy as a percentage. Using a spread trading algorithm, a spread price axis is generated and the trader may place an order for the trading strategy at a desired price, comprising placing an order in one leg market dependent on the market conditions of another leg market. Using the acceptable slop range, the system keep the net cost to the trader within the acceptable slop range, by regulating orders in the leg markets. Defining an acceptable slop range as a percentage allows the trader to monitor and regulate their profits and loss, regardless of the type of spread trading algorithm used or the placement of an order on the spread price axis.
    Type: Grant
    Filed: July 26, 2013
    Date of Patent: October 31, 2017
    Assignee: Trading Technologies International, Inc.
    Inventor: Daniel T. McNicholas
  • Patent number: 7571131
    Abstract: A method of conducting an online competitive price quoting event for at least one commodity includes storing event, commodity data, supplier data, historical data, a default currency, and a preferred currency into the at least one data table. An event token, which grants access authorization to agents representing the plurality of suppliers, is assigned to the event and is provided to the suppliers. A bid entry screen is displayed to the agents. An actual bid from the agent is compared to the current winning bid and a current minimum bid. A minimum bid from the agent is compared to the current winning bid and a current minimum bid. A current winner and a current winning bid are then determined. The bid entry screen is updated with the current winning bid, and each entry is color coded to reflect the current status of the agent's bids.
    Type: Grant
    Filed: March 21, 2000
    Date of Patent: August 4, 2009
    Assignee: Ford Motor Company
    Inventors: Julie A. Lewis, Brian M. Toothman, Rahmon Gharajanloo, Roxana P. Molina
  • Patent number: 7451115
    Abstract: Methods and systems are disclosed which relate to online payments via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a computer system. Together, the interface surfaces, sensing device and computer system are capable of effecting payment transactions over a network.
    Type: Grant
    Filed: November 12, 2002
    Date of Patent: November 11, 2008
    Assignee: Silverbrook Research Pty Ltd
    Inventors: Kia Silverbrook, Paul Lapstun, Simon Robert Walmsley, Jacqueline Anne Lapstun
  • Patent number: 7415434
    Abstract: A method and system for providing a financial analysis for enhanced wireless communication services provides a financial analysis for a service provider or another user interested in the provision of enhanced wireless communications services. The method includes accepting user input related to an existing wireless communications service and a proposed enhanced wireless communications service. A reference database is accessed for reference to general market data related to the proposed enhanced wireless communication service and a standard adoption curve for adoption of the enhanced wireless communication service. The standard adoption curve is adjusted to obtain an adjusted adoption curve based on the accepted user-specific input. A graphical depiction of a financial analysis is presented to the user based on an evaluation of the adjusted adoption curve and the general market data.
    Type: Grant
    Filed: July 13, 2007
    Date of Patent: August 19, 2008
    Assignee: Accenture LLP
    Inventors: Richard I. Adduci, Jr., Parag P. Kothary, Scott D. Liles, Tunc Yorulmaz
  • Patent number: 7415433
    Abstract: A method and a system for evaluating at least one of a risk, safety and efficiency property of a portfolio belonging to a class of one of a probability density and a probability distribution, for a given time frame are provided.
    Type: Grant
    Filed: August 4, 2003
    Date of Patent: August 19, 2008
    Inventor: Paul Huneault
  • Patent number: 7412412
    Abstract: A computer-implemented telecommunications spending analysis system extracts telecommunications traffic detail data from billing statements provided by telecommunications carriers and converts the traffic detail data to a generic data format for aggregation in a uniform customer traffic history database. The spending analysis system compares billed rates against estimated market prices stored in a best of class (BOC) database and notifies the user of possible cost savings attainable in a renegotiated contract. A web-based RFP system facilitates preparation of a request for proposals (RFP) and solicitation of vendors to bid on the RFP in an online reverse auction environment, both for telecommunications services and other commodities. The RFP system may access the uniform customer traffic history database to facilitate preparation of a traffic forecast of the RFP. Upon completion of an RFP auction, the RFP system updates the estimated market prices of the BOC database based on the vendor bids.
    Type: Grant
    Filed: February 12, 2001
    Date of Patent: August 12, 2008
    Assignee: Avotus Inc.
    Inventors: Brad Buxton, John Stapleton, Frank Hosea, Matt Egen, Dave Nash, Dan Alger, John Garvin, Claire Butkus, Trajan King, Maria Dobson, Gilbert Willoughby
  • Patent number: 7412416
    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: May 3, 2006
    Date of Patent: August 12, 2008
    Assignee: Trading Technologies International, Inc.
    Inventors: Richard W. Friesen, Peter C. Hart
  • Patent number: 7386492
    Abstract: A method is provided for enterprise management and bundling of radio, outdoor and entertainment inventory to achieve maximum revenue on perishable products. An electronic data-mart 110 or central information storage and data processing system is established to collect influencing factors for the probability and price sensitivity of a particular advertising buyer 120. The data-mart 110 also collects business rules for inventory scaling, available inventory to sell, budget (goal) information, advertiser payment history, and station performance data to feed to a scenario planner 130. Once three or more variables exist, inventory and pricing fuzzy logic algorithms create scenario plans to present the most profitable bundle of offerings. The scenarios are typically pre-approved although presented to the local business units 150 for an abnormality failsafe. Once processed by the local business units 150, the scenarios are presented to the advertising buyer 120.
    Type: Grant
    Filed: January 15, 2002
    Date of Patent: June 10, 2008
    Assignee: Clear Channel Communications, Inc.
    Inventors: Allan Ginsburg, David R. Murray, Arthur Weinberger, Jerome Williams
  • Patent number: 7383220
    Abstract: A trading process automatically requests a short term option having a term of less than a minute, and sometimes less than a second, from a market process. The trading process and the market process both operate on a platform. The market process requests a platform service to set a timer to measure the expiration time of the short term option, and to notify the market process and the trading process at the expiration of the short term option. The short term option is particularly useful for a list of orders that must be executed, if at all, at a guaranteed price; in which case, the platform may adjust the expiration time of the short term options associated with the orders in the list to ensure that the orders in the list can be executed at particular respective prices.
    Type: Grant
    Filed: March 8, 2001
    Date of Patent: June 3, 2008
    Assignee: Stikine Technology, LLC
    Inventor: Christopher Keith
  • Patent number: 7379907
    Abstract: A computer-implemented method includes transmitting tax related data to a selected financial institution, reporting the data and remitting funds corresponding to the data, over an interactive communications network, to a selected government authority. XML-based transaction requests and responses may be used to facilitate the method.
    Type: Grant
    Filed: November 26, 2001
    Date of Patent: May 27, 2008
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventors: Hong Michael Dang, Hwei-Hwa Alice Lin, Martin Trostel, Kooi Karl Yap
  • Patent number: 7373329
    Abstract: Systems for effecting online financial transactions between individuals are disclosed. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The transfer request may include an identity confirmation through which the payor confirms the identity of the payee. The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee may open an online account or identify an existing online account to complete the transaction as well as provide identity confirmation for the payor. Upon confirmation, the transfer may occur.
    Type: Grant
    Filed: December 2, 2003
    Date of Patent: May 13, 2008
    Assignee: Yahoo, Inc.
    Inventors: Paul Gallagher, Steve Davis, Kaycie Roberts, Robert Simon, Michael Baum, Mieko Schmandt, Peihuan Meng, Ivan Liu, Jorge Noa, Martin Hampton
  • Patent number: 7370011
    Abstract: In a system for a financial institution or other information maintainer, has a list of its account holders that also have accounts with a portal and have agreed to link their portal account and user account with the financial institution or other information maintainer. When a user logs onto the user's portal account, the portal server can request information from the user account over a trusted link to the financial institution or other information maintainer. The portal can request data for a particular user over the trusted link or can request bulk data for all users, using portal authentication data, as opposed to user authentication data. In the preferred embodiment, the actions allowed on a user account by the portal authentication data are more restrictive than the actions allowed by the user authentication data.
    Type: Grant
    Filed: June 28, 2001
    Date of Patent: May 6, 2008
    Assignee: Yahoo! Inc.
    Inventors: Michael Bennett, John Bergquist, Susan Nesbitt
  • Patent number: 7356508
    Abstract: Briefly, according to the present invention, ownership right in an asset is transferred using a probabilistic model. In one exemplary embodiment, the system and method of the invention implements the probabilistic model by a raffle system that facilitates the transfer of ownership in any asset. An asset can be any valuable item that is owned, including any type of product, good or service. In an exemplary embodiment, the participants interface with the system over a network of interconnected wired or wireless devices, such as the Internet.
    Type: Grant
    Filed: December 15, 2000
    Date of Patent: April 8, 2008
    Inventor: Dante Pellegrini