Patents Examined by Jessica Lemieux
  • Patent number: 10402822
    Abstract: Various embodiments of the present invention are directed to methods, systems and computer program products for conducting an online transaction on a website involving sensitive information. Such embodiments provide methods, systems and computer program products to: (a) register at least one entity with a gate keeper module, the registering comprising associating the entity with a subscription level; (b) associate a sub-string of a character string with a unique token so that a direct link does not exist between the unique token and the character string; and (c) during processing of the online transaction: (i) using the unique token for intermediate steps during the processing of the online transaction; and (ii) only accessing the character string in storage memory to complete the online transaction after receiving a request from at least one registered entity associated with a subscription level associated with a privilege to receive the requested sensitive information.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: September 3, 2019
    Assignee: United Parcel Service of America, Inc.
    Inventors: Mahesh Sahasranaman, Robert W Plumer
  • Patent number: 10395315
    Abstract: A system and method for displaying quantity related information determined for a plurality of time periods are described. According to one method, a trader may define one or more time periods for which a trading application may determine traded quantities, traded buys, traded sells, or other quantity related information at a plurality of price levels during the defined time periods. The trading application may then graphically display the quantities for each time period in relation to the static axis of prices. The method further includes periodically updating the displayed traded quantity to reflect the quantity during the defined time period, where the quantity is updated based on subsequent market updates that are received from the exchange for the tradable object.
    Type: Grant
    Filed: April 8, 2014
    Date of Patent: August 27, 2019
    Assignee: Trading Technologies International, Inc.
    Inventors: Scott F. Singer, Michael J. Burns, Robert A. West, Stephen A. Schwarz
  • Patent number: 10387970
    Abstract: Systems, methods and articles of manufacture for performing a comparison of tax results based on different sets of tax data, and generating an explanation as to why the tax results differ or do not differ due to the differences in the tax data. The system includes a computing device, a data store in communication with the computing device and a tax preparation software application executable by the computing device. The tax preparation software application has a tax calculation engine, a tax calculation graph, and a change analysis engine. The tax calculation engine is configured to perform a plurality of tax calculation operations based on the tax calculation graph. The change analysis engine is configured to determine whether tax results based on different tax data differ or do not differ. The system may also generate explanation(s) of the reasons that the tax results differ or do not differ due to the different tax data.
    Type: Grant
    Filed: November 25, 2014
    Date of Patent: August 20, 2019
    Assignee: INTUIT INC.
    Inventors: Gang Wang, Kevin M. McCluskey, David A. Hanekamp, Jr., Luis F. Cabrera, Michael A. Artamonov
  • Patent number: 10380695
    Abstract: A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: August 13, 2019
    Assignee: Hartford Fire Insurance Company
    Inventors: Gregory H. Berg, Andrew J. Amigo, David F. Peak
  • Patent number: 10380595
    Abstract: A system is described that identifies, based on contextual information associated with a device that is located at a physical location associated with a merchant, a product that a user of the device is at the physical location to purchase. The system executes an autonomous search query for product information that is predicted to assist the user in completing a purchase of the product, from the merchant, at the physical location. The system sends the product information to the device, and for subsequent output. The system determines whether a degree of likelihood that the user will complete the purchase in response to receiving the product information satisfies a likelihood threshold, if not, the system executes a remote assistance module accessed by the device to provide a virtual environment in which a human provides additional information that the user needs to complete the purchase.
    Type: Grant
    Filed: January 6, 2016
    Date of Patent: August 13, 2019
    Assignee: GOOGLE LLC
    Inventors: Sriram Bhargav Karnati, Varun Soundararajan, Amit Agarwal
  • Patent number: 10380694
    Abstract: A system for collecting vehicle crash data at a vehicle crash site of a vehicle crash is provided. The system may include an emergency response unit that includes an emergency response vehicle and an unmanned aerial vehicle (UAV) that is automatically deployed from the emergency response vehicle at the vehicle crash site. The UAV may be an autonomous or semi-autonomous drone, and include a processor, memory, and sensor, wherein the sensor collects vehicle crash data (such as image, video, or audio) at the crash site. The system may include a remote computing device and an insurance computing device to process the vehicle crash data collected by the UAV and/or initiate a crash insurance claim. The vehicle crash data may be used for one or more insurance-related purposes or activities, such as handling, adjusting, or generating auto or homeowners insurance claims; crash reconstruction; fault determination; damaged vehicle repair; and/or buildup identification.
    Type: Grant
    Filed: January 6, 2016
    Date of Patent: August 13, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Rosemarie G. Grant, Christina P. Mullen
  • Patent number: 10354333
    Abstract: A computer-implemented method of updating an auto insurance policy is provided. The method may include (1) determining that a customer's mobile device has a Telematics Application (“App”) installed on it, the Telematics App configured to (i) receive telematics data associated with another vehicle via a wireless communication broadcast; (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon the telematics data received or travel event determined that alleviates the risk of vehicle collision. The method may also include (2) monitoring, with the customer's permission, an amount or percentage of usage of the Telematics App on the customer's mobile device while the customer is driving in an insured vehicle; and (3) adjusting an insurance policy premium or discount based upon usage of the Telematics App to facilitate rewarding risk-averse drivers and encourage usage of risk mitigation or prevention technology.
    Type: Grant
    Filed: January 7, 2016
    Date of Patent: July 16, 2019
    Inventor: Gregory Hayward
  • Patent number: 10346927
    Abstract: A method and system provides personalized user experiences to users of a tax return preparation system, at least partially based on likelihoods of occurrence of life events for the users in a tax year, according to one embodiment. The method and system applies the user data to one or more predictive models to determine the likelihood that one or more available life events occurred in a user's life in a tax year, according to one embodiment. The method and system display life event icons that represent the one or more available life events, and the life event icons are ranked, sorted, and/or emphasized, based on the likelihood that the one or more available life events occurred in a user's life, to increase a user's confidence in the tax return preparations system's capability to address the user's life changes while preparing the user's tax return, according to one embodiment.
    Type: Grant
    Filed: June 6, 2016
    Date of Patent: July 9, 2019
    Assignee: Intuit Inc.
    Inventors: Jonathan Lunt, Yao H. Morin, Massimo Mascaro, Joel R. Minton, Carol Ann Howe, Sharon Hunt
  • Patent number: 10318956
    Abstract: Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure may be invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income may be recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying a financial service, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request may be fulfilled and a deduction file associated with an employer of the user is updated.
    Type: Grant
    Filed: September 6, 2016
    Date of Patent: June 11, 2019
    Assignee: PAYACTIV, INC.
    Inventors: Safwan Shah, Sohail Aslam, Ijaz Anwar
  • Patent number: 10311423
    Abstract: A user activity, which may be a debit or credit card transaction or an online access, is approved, or proximity between two users is confirmed, based on a response or other acknowledgement from a mobile subscriber terminal. The mobile subscriber terminal acknowledgement is generated in response to a query from an authorizing entity associated with the debit or credit card, or another mobile subscriber terminal, and indicates whether or not the mobile subscriber terminal is within a maximum allowable radius from a specific location included in the query. It is noted that no specific location information is included in the mobile subscriber terminal acknowledgement. An application downloaded to the mobile subscriber terminal may generate the above-described acknowledgement.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: June 4, 2019
    Assignee: ZUMIGO, INC.
    Inventors: Chirag C. Bakshi, Partha Roy Chowdhury, David Aaron Pinski
  • Patent number: 10304131
    Abstract: Market data is recorded from a real live exchange. The recording data can be played back in real time or delayed, in any manner, to simulate the recorded market. Moreover, one or more users can participate in the simulated market just as if they were participating in a real-live market. The system provides a realistic trading environment without the associated risks of trading in a live-market such as losing money and the cost of making trades. The system may be used for training purposes and for purposes of testing and analyzing various trading strategies. Software developers and testers may also utilize the realistic environment to develop trading products or applications. Additionally, the system provides a means for demonstrating trading application products.
    Type: Grant
    Filed: February 20, 2014
    Date of Patent: May 28, 2019
    Assignee: Trading Technologies International, Inc.
    Inventors: Sagy P. Mintz, Robert West, Christos Kondilis
  • Patent number: 10275745
    Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: April 30, 2019
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Matthew W. Hankins, William F. Mann, Mark Dickelman
  • Patent number: 10269071
    Abstract: Methods and systems for performing risk checks on electronic orders for securities. According to one embodiment, the method comprises performing risk checks on an electronic order for a security, the electronic order being issued from a client computer to an exchange computer via a network, wherein a risk check engine is logically interposed between the client computer and the exchange computer on the network. According to the illustrative method, at the risk check engine, the electronic order is received and parsed into one or more fields and data within the fields is identified at a network layer. The risk check engine performs one or more risk checks on the data using a processing element at the network layer. If the risk checks are passed, the risk check engine permits the electronic order to be transmitted to the exchange computer. If one or more of the risk checks are violated, the risk check engine rejects the order.
    Type: Grant
    Filed: October 21, 2016
    Date of Patent: April 23, 2019
    Inventor: Seth Gregory Friedman
  • Patent number: 10269073
    Abstract: Systems and methods for interpreting exchange data include an exchange implemented according to a protocol. The exchange includes various exchange elements. Responsive to a request from a first remote source, use a dynamically updated lookup table, which includes descriptors for each element, provided from a second remote source. Translate the request, which is formatted according to a first grammar of a first client language, into a query, which is formatted according to a second grammar associated with the protocol, for corresponding elements. Use the query to obtain various data packets responsive to the request and encoded according to the protocol. Translate the various packets into a programming language according to a third grammar, dictated by the request. Translate data, using the table, in the various packets from the second to the third grammar. Form a translated construct for the various packets that includes the requested information. Communicate the construct to the first source.
    Type: Grant
    Filed: March 29, 2018
    Date of Patent: April 23, 2019
    Assignee: Arbitrage Technologies
    Inventors: J C Bodson, Dorine Bodson
  • Patent number: 10262306
    Abstract: A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send and receive the payment orders in the form of payment messages. Primary positions, corresponding to balances in a prefunded balance account, are stored. Supplemental positions, corresponding to balances in the prefunded balance account, are stored. Payment messages are received from sending participants.
    Type: Grant
    Filed: March 24, 2014
    Date of Patent: April 16, 2019
    Inventors: Joseph S. Pawelczyk, James W. Reilingh, Robert M. Cotton
  • Patent number: 10255631
    Abstract: A payment processing system receives one or more indications of a user's location at a time that the user initiates a transaction with a merchant system at a physical location of the merchant system, processes the transaction, and receives a merchant point of sale identifier from the issuer system associated with the financial account information selected by the user. The payment processing system creates a combined list of candidate merchant identities based on the received merchant POS identifier and the user computing device location. The payment processing system calculates a probability for each of the merchant identities in the list based on similarity to the merchant POS identifier and user location data. The payment processing system associates the merchant POS identifier with the merchant identity having the highest probability and creates an annotated transaction record to display to the user.
    Type: Grant
    Filed: October 1, 2014
    Date of Patent: April 9, 2019
    Assignee: GOOGLE LLC
    Inventors: Jeffrey Lawrence Herman, Qiming Fang
  • Patent number: 10255633
    Abstract: Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.
    Type: Grant
    Filed: February 21, 2018
    Date of Patent: April 9, 2019
    Assignee: Capital One Services, LLC
    Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
  • Patent number: 10242407
    Abstract: The disclosure includes technology for analyzing financial instrument data and generating a forecast. An example method receives financial instrument data for a financial instrument; determines a financial dimension; parses the financial instrument data for occurrences of the financial dimension; computes historical price statistics for a set of time intervals relative to occurrences of the financial dimension; and generates pricing forecast relative to a point in time based on the historical price statistics.
    Type: Grant
    Filed: September 24, 2014
    Date of Patent: March 26, 2019
    Assignee: Innovative Market Analysis, LLC
    Inventor: Kenneth Nelson Hunt
  • Patent number: 10223875
    Abstract: A method for enhancing automated transaction machine (ATM) security surveillance. The method consists of receiving a set of data from a financial device and generating a template for the financial device. The method generates an analysis by analyzing a portion of the received set of data. The method then determines a likelihood factor that the analyzed first portion is associated with a security threat, wherein if the likelihood factor is above a threshold then the method generates a second analysis by analyzing a second portion of the received first set of data and revises the likelihood factor based on the second analysis. The method generates a notice if the first likelihood factor exceeds a second threshold and then updates the template with the analysis and the likelihood factor and receives a second set of data from the monitoring device. The method updates the template with the second set of data.
    Type: Grant
    Filed: August 27, 2018
    Date of Patent: March 5, 2019
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader Benkreira, Joshua Edwards
  • Patent number: 10217141
    Abstract: An ability to expose and display a current billing amount associated with a billing account in a billing system to one or more third parties, and to link one or more payments from the one or more third parties to the billing account in an account receivable system is provided. A user may create, publish, and share a fundraising webpage, which when accessed by a third party, allows the third party to send a payment in the form of a contribution or donation. An intermediary system allows for secure communication of billing account data from the accounts receivable system to the third party, allowing the third party to interact with the accounts receivable system as if the third party is in direct communication with the accounts receivable system.
    Type: Grant
    Filed: December 2, 2013
    Date of Patent: February 26, 2019
    Inventor: Paul Joseph Hoffman