Patents Examined by John A Anderson
  • Patent number: 10655457
    Abstract: Methods for locating an acoustic source. A method may comprise measuring noise from the acoustic source from a downhole environment, which produces a measurement for processing, performing a dispersion analysis on the measurement, performing a space entropy equalization and normalization process on the measurement, performing a weighted integration on the measurement, performing a pattern recognition on the measurement, performing a weighted enhancement on the measurement, and producing a recognition factor from the measurement. A method may comprise measuring noise from the acoustic source from a downhole environment, which produces a measurement for processing, performing a dispersion analysis on the measurement, performing a time difference scan on the measurement, performing a propagation distance scan on the measurement, performing a weighted enhancement on the measurement, and producing a recognition factor from the measurement.
    Type: Grant
    Filed: October 26, 2016
    Date of Patent: May 19, 2020
    Assignee: GOWell International, LLC
    Inventors: Qinshan Yang, Jinsong Zhao
  • Patent number: 10657517
    Abstract: Methods and systems for a transportation vehicle are provided. For example, one method includes initializing a transaction mode for using a transaction card having a front portion and a rear portion from a seat device of a transportation vehicle; adjusting lighting from the seat device to capture an image of the transaction card; capturing the image of the transaction card using a camera of the seat device; and processing the image of the transaction card and extracting information from the image of the transaction card.
    Type: Grant
    Filed: June 28, 2016
    Date of Patent: May 19, 2020
    Assignee: Panasonic Avionics Corporation
    Inventor: Nigel Blackwell
  • Patent number: 10643189
    Abstract: Methods, systems and computer program products for activating a software product for use by a customer of a financial institution that accesses an on-line banking product on an on-line banking server. A request from the financial institution to activate the software product for use by the customer is received through an interface such as an extranet site of a host of the on-line banking product. An enablement request is transmitted from the interface to an activation server, and a script on the activation server is executed to modify a configuration element to automatically activate the software program for the customer. Thus, the financial institution, which does not host the on-line banking product, drives automatic activation of the software product without manual input by project managers or technical support persons of the on-line banking product host.
    Type: Grant
    Filed: April 30, 2009
    Date of Patent: May 5, 2020
    Assignee: INTUIT INC.
    Inventors: Leslie J. Smith, Michael C. Morgan, Marcus A. Holt, Eric T. Horne, Eric T. Hollinshead, Harriet A. Henderson, Gregory D. Yenney, Matthew M. Thomas
  • Patent number: 10643281
    Abstract: Systems and techniques for determining price targets are disclosed. The systems and techniques are designed to be a key workflow tool for investment managers and analysts, saving time and improving investment discipline. Using the disclosed systems and techniques, price targets may be generated based on historic, forward looking, and/or relative valuation metrics which are applied to actual or estimated financial data.
    Type: Grant
    Filed: August 3, 2012
    Date of Patent: May 5, 2020
    Assignee: Refinitiv US Organization LLC
    Inventors: Lee Jacobek, Holger Berndt
  • Patent number: 10636083
    Abstract: Computer-implemented methods, articles of manufacture and systems for identifying and/or classifying an on-line banking account utilized for business purposes. A computer processor receives or determines a description of an on-line banking account including an abbreviation. Rules are executed determine respective edit distances or scores representing respective degrees of transformation from the abbreviation to respective normalized strings or words. At least one rule specifies that an edit distance or score for transforming an abbreviation to a normalized string is determined without considering any vowel appearing after a first letter of the normalized string if a first letter of the abbreviation is the same as a first letter of the normalized string. Respective edit distances or scores are determined, and at least one string is selected as corresponding to the abbreviation, e.g., the string being associated with the lowest edit distance or score as determined from application of the rules.
    Type: Grant
    Filed: July 27, 2011
    Date of Patent: April 28, 2020
    Assignee: INTUIT INC.
    Inventor: Gang Wang
  • Patent number: 10607298
    Abstract: Computer-implemented method, tax return preparation systems and computer program products for presenting an explanation for a tax calculation or operation performed by a tax return preparation system when the system is in “forms” mode. An electronic version of a tax authority form that has been modified by inclusion of interface elements is displayed to a user. In response to the user selecting an interface element while in forms mode, presentation of an explanation regarding a tax calculation or operation for the associated field is invoked. The user interface controller provides data in response to selection of the interface element to an explanation engine, which determines an explanation based at least in part upon the tax calculation graph. The explanation is provided to the user interface controller for presentation to the user.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: March 31, 2020
    Assignee: INTUIT INC.
    Inventors: David A. Hanekamp, Jr., Kevin M. McCluskey, Ion Niciu-Chiuaru, Paul A. Parks, Ganesh Bhat, Gang Wang
  • Patent number: 10607210
    Abstract: Systems, methods, devices, and computer readable media for enabling direct electronic payment transfers are disclosed. Identification information of a payer, based on a user selection at a mobile device, is received from a first application installed on the mobile device. A user identification of a payment amount is received via a second application installed on the mobile device. The second application is different from the first application. Biometric data of the user is captured at a biometrics reader of the mobile device, and then compared to authorized biometric data to authenticate the user. Upon successful authentication of the user, a request for the electronic payment transfer from the payer to the user for the payment amount is initiated from the mobile device.
    Type: Grant
    Filed: May 3, 2016
    Date of Patent: March 31, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paolo Bortolotto, Anna Libus, John McGuire
  • Patent number: 10595786
    Abstract: Embodiments include a method and system for providing data to a user of a wearable sensor platform. The method may be performed by a least one software component executing on at least one processor. The method includes capturing data for the user using at least one sensor in the wearable sensor platform. The data includes physiological data and artifact data. The physiological data includes noise data therein. A confidence indicator for the data is determined based on at least one of the physiological data and the artifact data. A physiological data signal corresponding to the physiological data and the confidence indicator is provided to the user on the wearable device platform.
    Type: Grant
    Filed: March 1, 2019
    Date of Patent: March 24, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Julien Penders, Alexander Young, Noam Rosenthal, Ram Fish, Eva C. Wentink
  • Patent number: 10580070
    Abstract: A distributed system for commerce including a merchant system with a communication system for receiving, processing and transmitting data. The system further includes an intermediate server system in communication with the merchant system, and this intermediate server system includes a data storage system for storing data transmitted thereto, as well as a communication system for receiving, processing and transmitting data.
    Type: Grant
    Filed: August 3, 2015
    Date of Patent: March 3, 2020
    Assignee: PAYPAL, INC.
    Inventors: Thomas H. Keithley, Thomas E. Whitford
  • Patent number: 10572945
    Abstract: Systems and methods are provided for the problem of automatic, algorithm-guided estimation of insurance loss ratio, claims frequency, the probability of excess claims, and other insurance policy performance characteristics for an individual insured or for groups of insured individuals. A time-series-derived Bayesian power spectrum weight is calculated from the frequency of temporal pattern-specific values in terms of intensities at various frequencies of the power spectrum computed from credit utilization ratio (CUR; outstanding balance of debt, as a percentage of credit line available) time-series obtained by the insurer by ‘soft pull’ inquiries submitted periodically to credit-rating agencies, and provides an opportunity to capture and measure the relative magnitude of frequent or unexpected changes in consumer liquidity.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: February 25, 2020
    Assignee: Cerner Innovation, Inc.
    Inventor: Douglas S. McNair
  • Patent number: 10565571
    Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: February 18, 2020
    Assignee: Capital One Services, LLC
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J Larson, Alexander S. Wilson, Vishal Puri, Jay F. Pober
  • Patent number: 10558981
    Abstract: Methods, systems and articles of manufacture for automatic generation of executable instructions based on a tax worksheet publication. Electronic data of the tax worksheet publication is received from a source such as a tax authority, converted into a different format and parsed, e.g., in the form of a parse tree or typed relationship graph. An interactive tax worksheet application embodying an executable instruction is generated based at least in part upon parsed electronic data.
    Type: Grant
    Filed: August 29, 2012
    Date of Patent: February 11, 2020
    Assignee: INTUIT INC.
    Inventors: Gang Wang, Jeffrey P. Ludwig
  • Patent number: 10552911
    Abstract: A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.
    Type: Grant
    Filed: May 9, 2014
    Date of Patent: February 4, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, Teddy J. Voutour, Shanna Limas, William Chandler, Michael P. Burns, Daniela Wheeler, Kathleen L. Swain, Cleburne R. Burgess
  • Patent number: 10510119
    Abstract: A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.
    Type: Grant
    Filed: May 9, 2014
    Date of Patent: December 17, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Michael J. Allen, Ramsey Devereaux, Spencer Read, David S. Franck, Teddy J. Voutour, Shanna Limas, William Chandler, Michael P. Burns, Daniela Wheeler, Kathleen L. Swain, Cleburne R. Burgess
  • Patent number: 10504186
    Abstract: Computer implemented systems and methods are disclosed that allow for the efficient and rapid determination of guarantee funds for clearing member firms. Disclosed systems and methods account for the exposure of self-referencing risk.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: December 10, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Evren Baysal, Panagiotis Xythalis, Kailin Ding, Sixiang Li, Lu Lu, Jun Zhai
  • Patent number: 10496964
    Abstract: Methods and systems for processing payments using payment aggregators are provided. In particular, one or more embodiments comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a plurality of payment aggregators. This allows the e-commerce payment facilitator to provide a user with payment methods supported by the plurality of payment aggregators. Furthermore, one or more embodiments enable the e-commerce payment facilitator to route transactions to payment aggregators based on various factors, such as availability, reliability, and profitability. In addition, one or more embodiments provide e-commerce payment facilitators with greater control over the processing of transactions by allowing for the routing and distribution of transactions across multiple payment aggregators.
    Type: Grant
    Filed: April 2, 2014
    Date of Patent: December 3, 2019
    Assignee: Facebook, Inc.
    Inventors: Max Zimmerman, Waseem Ahmad, Yegnashankar Parasuram, Alexandre Couturon
  • Patent number: 10496995
    Abstract: The present disclosure relates to systems, methods, and devices for facilitating payment transactions using an application program interface. In particular, the systems and methods allow payment providers to integrate with a social network and facilitates payment transactions by providing instructions to the payment providers based on the payment providers being integrated with the social network. For example, one or more embodiments identify a payment provider associated with a payment account of a user requesting to initiate a payment transaction. One or more embodiments then determine instructions to send to the payment provider based on transaction information and then send the instructions to the payment provider to cause the payment provider to process the transaction according to the transaction information. Additionally, one or more embodiments cause payment providers to communicate with each other for processing payment transactions involving users of the social network.
    Type: Grant
    Filed: May 1, 2017
    Date of Patent: December 3, 2019
    Assignee: Facebook, Inc.
    Inventors: Kevin Patrick Hurley, Sohil Maru
  • Patent number: 10482537
    Abstract: A computer-implement method may bundle insurance and financial products, and visually depict a current status for an application for each product within the bundle, such as applications related auto, home, life, or renters insurance, and/or vehicle loans. In one aspect, the method may determine a standard status icon or message for each product. A data server may receive a customer identification and selection of a first product offered, and determine a context of an application for the first product, wherein the context represents a state of progress of the application for the first product, and determine a standard status of the application corresponding to the context. The status is selected from a group of statuses standardized across two or more product lines sold by the company. The data server may further generate a status message including the status of the application and transmit the status message to a client device.
    Type: Grant
    Filed: May 28, 2015
    Date of Patent: November 19, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Arlene Serapin, Pawn Johnson-Paul, Robert Albert, Twanna Edwards, Tracy Warne, Lisa Bianco, Elizabeth Orzolek, Mark R. Yoder, David B. Christensen, Dustin Mardis, Benjamin R. Murphy
  • Patent number: 10460380
    Abstract: A method and system for remotely exchanging weighment information via a wireless device, such as a cell phone, pertaining to a vehicle, such as truck, at a vehicle weight station. The system and method may include determining a present location of a vehicle to be weighed, verifying identification information of the vehicle to be weighed and receiving a vehicle weight from a server remote from the wireless device. The system and method may also include exchanging payment information between one or more servers and a wireless device.
    Type: Grant
    Filed: October 25, 2017
    Date of Patent: October 29, 2019
    Assignee: CAT Scale Company
    Inventors: Eric Ruud, Doyle Cone
  • Patent number: 10438176
    Abstract: The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MID-PLATFORM”) enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor.
    Type: Grant
    Filed: March 31, 2014
    Date of Patent: October 8, 2019
    Assignee: Visa International Service Association
    Inventors: Alan Johnson, Ajay Kumar, John Wang, Rajiv Dutta