Patents Examined by Jessica Lemieux
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Patent number: 11144934Abstract: A system and method to facilitate word-of-mouth advertising and sales support associated with displayed media objects on distributed networks is described. The system provides one or more advocates to a network user accessing advertising of a brand, product, or service. One or more of the advocates may be socially related to the user. User interactions with the advocates are facilitated through a real-time communication network, follow-on commercial activity is tracked, and the value of word-of-mouth advocacy is captured and distributed.Type: GrantFiled: September 10, 2018Date of Patent: October 12, 2021Assignee: R2 Solutions, LLCInventors: Christopher William Higgins, Marc Davis, Joseph O'Sullivan, Ronald Martinez
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Patent number: 11120504Abstract: Methods and systems for storing multiple asset types with embedded rules to simplify storage and enable simple and friction-free transactions. One of the methods includes: representing a plurality of asset types using a plurality of standard asset ownership units, each standard asset ownership unit representing a specific asset type; using a roll-up node configured to group specified standard asset ownership units; embedding standard asset unit ownership rules in each standard asset ownership unit, the standard asset ownership unit rules describing permitted behaviors for a specified asset type; embedding roll-up rules in the roll-up node, the roll-up rules including specification of which standard asset ownership units are grouped into the roll-up node, the standard asset ownership unit rules and the role-up rules being based on rules templates; receiving a request for information; and in response to the request, providing information based at least in part on data from the roll-up node.Type: GrantFiled: November 23, 2020Date of Patent: September 14, 2021Assignee: eShares, Inc.Inventors: Japjit Singh Tulsi, Jerry O. Talton, III, Daniel Fike, Neeraj Jain
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Patent number: 11100507Abstract: A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.Type: GrantFiled: June 14, 2018Date of Patent: August 24, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Diane Salmon, Chandra Srivastava
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Patent number: 11100500Abstract: A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user computing device and the user. The method includes identifying one or more payment options associated with the device identifier, where each of the one or more payment options is associated with respective payment instrument information. The method includes providing one or more codes, where each code of the one or more codes identifies a respective payment option of the one or more payment options. The method includes receiving a first code of the one or more codes and transaction information. The method includes accessing, based upon the first code, payment instrument information associated with the payment option identified by the first code, and causing the processing of the payment instrument information in relation to a transaction identified by the transaction data.Type: GrantFiled: April 16, 2018Date of Patent: August 24, 2021Assignee: PAYPAL, INC.Inventors: Andrew Kortina, William Ready, Dan Manges, John Sturino, Juan Benitez, II
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Patent number: 11074575Abstract: Some embodiments of the application disclose a method and apparatus for paying a fare. When a user takes a public transit means, the user terminal establishes an NFC connection with the fare-collecting device of the public transit means, the user terminal transmits the encrypted account ID of the user to the fare-collecting device, and the fare-collecting device may request a server to deduct the fare from the account of the user.Type: GrantFiled: January 15, 2020Date of Patent: July 27, 2021Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Hong Zhang, Jun Wu, Jiankang Sun
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Patent number: 11062320Abstract: A device may receive, from a user device, transaction data, the transaction data including: a user account identifier indicating a user account associated with the user device, and data indicating a particular merchant associated with a transaction. The device may provide the data indicating the particular merchant to a server device and receive, from the server device, a merchant identifier for the particular merchant associated with the transaction. The device may then identify, based on the merchant identifier and the user account identifier, a user account control, the user account control specifying a restriction for transactions associated with the user account and the particular merchant. Based on the transaction data, the device may determine whether the user account control is satisfied and perform an action based on a result of the determination.Type: GrantFiled: November 3, 2017Date of Patent: July 13, 2021Assignee: Capital One Services, LLCInventors: Dwij Trivedi, Jeffrey M. Samitt, Dalton L. M. Lebarbenchon, Pavel Fort, Christopher J Stout
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Patent number: 11023876Abstract: Embodiments relate generally to computer software and computing devices, and more particularly, to a system, an apparatus and a method configured to segregate data at an interface of a computing device to facilitate on-line electronic payment transactions. In one embodiment, a method includes presenting fields configured to accept a first type of data and to accept a second type of data for an on-line electronic payment transaction. The method includes generating an initialization signal for transmission to an isolated data management system to initialize a portion of a memory associated with first type of data, responsive to an interaction with a field, receiving data from the field, and generating a save signal to save the data from the field in a portion of the memory. This can be responsive to a second interaction with the field.Type: GrantFiled: March 26, 2018Date of Patent: June 1, 2021Assignee: HomeAway.com, Inc.Inventors: Brent T. Schneeman, Dennis Kashkin, Eric M. Carr, Mark R. Reynolds, Matthew W. Kinman, Charles R. Poff, III, Douglas A. Squires, Daniel A. Herrera
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Patent number: 11017470Abstract: A computer-implemented method is provided for enabling and facilitating automated real-time dynamic valuation and trading in restricted securities of publically-traded companies via a centralized computer network system. The method includes steps of: defining a set of restricted securities transaction qualification factors and storing them on computer memory storage; defining a set of regulatory compliance standards and storing them on computer memory storage; qualifying parties using the system in accordance with the qualification factors; establishing an initial online bidding and offering procedure, which functions as an auction for facilitating a primary placement of restricted securities; monitoring respective transactions to ensure compliance standards are maintained; and effecting the transfer of restricted securities in a manner that ensures that parties to a transaction are legally qualifies and the transfer is accomplished in accordance with the regulatory compliance standards.Type: GrantFiled: October 30, 2017Date of Patent: May 25, 2021Assignee: Four Deuces IP LLCInventor: Jason Weisz
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Patent number: 10963959Abstract: A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.Type: GrantFiled: March 12, 2018Date of Patent: March 30, 2021Assignee: Consumerinfo. com, Inc.Inventors: Jeremy Wasser, Michelle Felice-Steele, Melinda Nies, Luke Giltner
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Patent number: 10963879Abstract: Systems and methods for a sale authorization include detecting vehicle information. A secondary authorization parameter is received and the sale is authorized in response to the secondary authorization parameter being associated with the vehicle information.Type: GrantFiled: March 27, 2017Date of Patent: March 30, 2021Assignee: NCR CorporationInventor: Jason Thomas Pastor
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Patent number: 10949838Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.Type: GrantFiled: February 14, 2017Date of Patent: March 16, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Steven E. Puffer
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Patent number: 10943309Abstract: A method and system provide estimated tax refund data to a user of a tax return preparation system throughout personalized tax return preparation interview. The method and system receive current user tax related data associated with the user, retrieve tax rules data, and gather historical tax related data associated with historical users of the tax return preparation system. The method and system further generate probabilistic inference data including inferences about tax related characteristics of the user based on the historical tax related data and the tax rules data. The method and system provide estimated tax refund data to the user based on the probabilistic inference data.Type: GrantFiled: March 10, 2017Date of Patent: March 9, 2021Assignee: Intuit Inc.Inventors: Yao H. Morin, Massimo Mascaro, R. Jason Char, Carol Ann Howe
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Patent number: 10937109Abstract: A method and system provides a tax refund confidence indicator to a user of a tax return preparation system, according to one embodiment. The method and system include receiving user current tax related data from a user and receiving historical tax related data associated with previously prepared tax returns. The method and system further includes generating estimated tax refund data and confidence score data indicative of the reliability of the estimated tax refund data. The method and system include providing the estimated tax refund data and the confidence score data to the user.Type: GrantFiled: January 8, 2016Date of Patent: March 2, 2021Assignee: Intuit Inc.Inventors: Luis Felipe Cabrera, William T. Laaser
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Patent number: 10922672Abstract: According to some embodiments of the invention, an authentication method is provided. Transaction data for a transaction is received at a communication device from an access device or a resource provider. The transaction data comprises a location of the access device. A location of the communication device is determined by the communication device. It is determined whether a distance between the location of the access device and the location of the communication device is within a predetermined threshold. The transaction is not authorized if the distance between the location of the access device and the location of the communication device is not within a predetermined threshold.Type: GrantFiled: February 13, 2017Date of Patent: February 16, 2021Assignee: Visa International Service AssociationInventors: Jalpesh Chitalia, Ansar Ansari
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Patent number: 10909629Abstract: Systems and methods are disclosed for determining the efficacy of an autonomous vehicle driving system in exhibiting safe driving behavior during test track scenarios. Testing parameters eliciting autonomous vehicle driving system behavior may be chosen for the test track scenario. The autonomous vehicle driving system may be tested in the test track and autonomous vehicle driving system behavior may be observed in response to the presentations of testing parameters. A safe driving score may be calculated for the autonomous vehicle driving system based on measured autonomous vehicle performance and operational data generated responsive to the presentation of testing parameters in the test track. A benchmark insurance premium may be calculated for an autonomous vehicle driving system based on the calculated safe driving score.Type: GrantFiled: February 15, 2017Date of Patent: February 2, 2021Assignee: Allstate Insurance CompanyInventors: Regina Madigan, William Polisson, Mark V. Slusar
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Patent number: 10902393Abstract: Embodiments of the present application relate to a method, apparatus, and system for operating an electronic account or displaying a payment page. The method includes receiving, from a first client terminal, a payment platform display page acquisition request, providing, to the first client terminal, a payment platform display page, wherein the payment platform display page includes a first script code, wherein in the event that the first script code is executed, the first script code causes the first client terminal to obtain a payment page including a digital object unique identifier from a payment server and to display the payment page, wherein the digital object unique identifier indicates an upcoming payment sum, receiving verification information, and sending the verification information to the payment server to instruct the payment server to execute a deduction operation on an electronic account.Type: GrantFiled: May 12, 2015Date of Patent: January 26, 2021Inventors: Hui Wu, Bing Wu, Qingqing Yu, Zhihui Li, Ji Xu, Min Zhang, Bo Yang, Minzhen Guo
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Patent number: 10891607Abstract: An aerospace commerce exchange system may include a network, a plurality of clients operably coupled to the network, and an aerospace commerce exchange platform operably coupled to the network to provide exchange services to the clients. At least one of the clients may be operably coupled to the aerospace commerce exchange platform via an air-to-ground wireless communication link or satellite link (or other links with which an aircraft may be associated) to provide or receive data associated with at least one of the exchange services.Type: GrantFiled: January 31, 2018Date of Patent: January 12, 2021Assignee: SMARTSKY NETWORKS, LLCInventors: Ryan Mitchell Stone, Blane Edward Rockafellow, Bryan S. Trainum, Charles Jason Rinker
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Patent number: 10861011Abstract: In one aspect, a computerized system for authentication of an electronic payment on a computing device, the system includes a computer memory in the computing device a payment page. The payment page includes at least one element, from the financial institution in response to the initiation. Each of the at least one element corresponds to a mode of authentication of an electronic payment. The payment page is received by the computing device from a remote server. A computer processor in the computing device, which computer processor is coupled to the computer store and programmed to detect an initiation of the electronic payment on the computing device, the electronic payment comprising payment from an account at a financial institution. The computer processor is programmed to obtain the payment page from the computer memory.Type: GrantFiled: June 6, 2016Date of Patent: December 8, 2020Inventors: Shashank Mehta, Harshil Mathur
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Patent number: 10846792Abstract: An apparatus and computerized method for automated loan origination processing via a computer system with communications devices for receiving loan application data and user provided information. Logic mechanisms programmed to automatically generate a loan origination compliance task workflow having an organized sequence of a plurality of compliance tasks in response to the loan application data received from a user. Receiving at a central computer server a loan application having information provided by the user via the user computer terminal and acquiring at the central computer server electronic data relating to the user from one or more databases responsive to receiving the user loan application information. Initiate a review process for the loan application utilizing the user provided information and data acquired from the one or more databases and render an approval decision for the electronic loan application based upon the review process.Type: GrantFiled: January 11, 2017Date of Patent: November 24, 2020Assignee: UIPCO, LLCInventor: Carlos W. Wilkinson
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Patent number: 10839376Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.Type: GrantFiled: February 14, 2017Date of Patent: November 17, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Steven E. Puffer