Patents Examined by John A Anderson
  • Patent number: 11068881
    Abstract: Embodiments of the present invention provide a system for resource distribution within an offline environment. A merchant device internally stores a repository of reference codes and managing entity public keys that are paired with managing entity private keys. The user requests an amount of resources for offline exchange from the managing entity system. The managing entity system transmits certain authorization and encryption information to a user device. When the user device receives an exchange prompt from the computing device of the merchant through near field communication, it generates a digital token incorporating layers of content encryption ending with a managing entity's private key. The encrypted token and reference code are transmitted via near field communication to the merchant device. The merchant device matches the reference code to the managing entity public key and decrypts portions of the token with the managing entity public key to acquire the usable exchange information.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: July 20, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Rick A. Beye
  • Patent number: 11055785
    Abstract: Aspects of the disclosure relate to a system and method for electronically monitoring and using data indicative of driver characteristics based on sensors. For example, the system may determine an origin associated with a user, a destination associated with the user, and a desired arrival time at the destination. A driving characteristic computing device of the system may determine an estimate for a duration of a trip from the origin to the destination. Based on the estimate for the duration and the desired arrival time at the destination, the driving characteristic computing device may determine a recommended departure time from the origin for the user. Based on sensor data, the system may determine a departure time from the origin for the user. The driving characteristic computing device may compare the departure time to the recommended departure time, and a value of a property of insurance for the user may be determined based on the comparing.
    Type: Grant
    Filed: May 3, 2016
    Date of Patent: July 6, 2021
    Assignee: Allstate Insurance Company
    Inventors: Soren K. Lundsgaard, Tara Cavallaro Kozlowski
  • Patent number: 11055793
    Abstract: Modular computerized tax return preparation systems that allow tax data determinations to be performed when the user indicates that tax data will not be entered, which may be for various reasons including the user declining to provide personal information (such as a social security number or other personal identification information), not knowing the requested data, or not having the requested data readily available. A user interface controller presents an interview screen requesting data tax return data and the user responds that the requested data applies to the user but is not being entered or will be entered at a later time. A placeholder is generated or selected for interim use until the requested data is provided by the user, and when provided, tax data determinations and calculations can be repeated as necessary if the provided data differs from the placeholder.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: July 6, 2021
    Assignee: INTUIT INC.
    Inventors: Gang Wang, Jay J. Yu, Matthew L. Sivertson, Dirk A. Reschly, Kevin M. McCluskey
  • Patent number: 11030690
    Abstract: A method for matching one or more buyers with one or more sellers to facilitate trade in a marketplace provided by a service provider includes the steps of receiving a bid to sell mobile data from one or more sellers, receiving a bid to buy mobile data from one or more buyers, matching at least a portion of the bid of the one or more buyers with at least a portion of the bid of the one or more sellers based on: a revenue maximization function to maximize the service provider's revenue based on a relationship between administration revenue and bid revenue, facilitating a transfer of the mobile data from the one or more seller to the one or more buyer, following the matching of the one or more buyers with the one or more sellers, through the service provider.
    Type: Grant
    Filed: August 31, 2015
    Date of Patent: June 8, 2021
    Assignee: City University of Hong Kong
    Inventors: Liang Zheng, Chee Wei Tan
  • Patent number: 10963850
    Abstract: A not-on-us transaction at a Self-Service Terminal (SST) is initiated by a customer. Transaction details indicate that the customer is associated with a remote backend system that is accessible over a different network from that which is associated with the SST. The transaction details are forwarded from the SST to the remote backend system. Remote commands are issued from the remote backend system and translated into native commands of the SST where they are executed on the SST to process the not-on-us transaction.
    Type: Grant
    Filed: March 30, 2015
    Date of Patent: March 30, 2021
    Assignee: NCR Corporation
    Inventors: John Aldridge, Marreddy Thumma
  • Patent number: 10956899
    Abstract: At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device.
    Type: Grant
    Filed: February 14, 2012
    Date of Patent: March 23, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Colin Tanner, Michael J. Cowen, James D. Sinton
  • Patent number: 10949856
    Abstract: The application is directed to a computer-implemented apparatus for facilitating transactions. The apparatus includes a non-transitory memory having instructions stored thereon for performing an evaluation of user performance prior to proceeding with a transaction. The apparatus also includes a processor, operably coupled to the non-transitory memory. The processor is configured to perform the instructions of displaying, on a graphical user interface (GUI), an input box requesting a user to input information associated with the transaction. The processor is also configured to receive, via the GUI, information from the user associated with the transaction. The processor is also configured to perform the instruction of evaluating the received information associated with the transaction based upon decision criteria.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: March 16, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: Gopinath Rangan
  • Patent number: 10922759
    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: September 19, 2019
    Date of Patent: February 16, 2021
    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: 10902425
    Abstract: An example method for performing concepts disclosed can include: obtaining a first authentication factor including first biometric data of a user; hashing the first authentication factor to create a first hash; registering the user with a digital credit system using the created first hash; obtaining a second authentication factor including second biometric data of the user; hashing the second authentication factor to create a second hash; comparing the first hash and the second hash; and proceeding the transaction based on the comparison.
    Type: Grant
    Filed: December 18, 2018
    Date of Patent: January 26, 2021
    Assignee: Walmart Apollo, LLC
    Inventors: Robert Cantrell, David M. Nelms, Sid Shake, Charles Lobo, Donald R. High, Todd Mattingly, Brian McHale, John J. O'Brien, Bruce Wilkinson
  • Patent number: 10885505
    Abstract: Examples of the disclosure enable one or more transactions to be managed. In some examples, a first device and a second device are associated with an account. The first device has a first level of authorization with respect to the account, and the second device has a second level of authorization with respect to the account. An instruction to authorize the second device to have access to a first quantity of funds is received from the first device, and the second device is authorized to have access to the first quantity of funds. A request to access a second quantity of funds is received. The request is associated with the second device. The request to access the second quantity of funds is approved on the condition that the second quantity of funds is less than or equal to the first quantity of funds.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: January 5, 2021
    Assignee: ACCENTURE GLOBAL SERVICES LIMITED
    Inventors: James Stuart Burroughs, Jr., Bernardo Jose Rodriguez, Mark Edward Potts
  • Patent number: 10872348
    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: December 16, 2019
    Date of Patent: December 22, 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: 10853806
    Abstract: A method and an apparatus of obtaining location information are disclosed. According to the disclosed method, a server obtains transaction data uploaded by a terminal, determines a transaction device identifier and transaction address information included in the transaction data, and determines and stores location information of a transaction device corresponding to the transaction device identifier based on the transaction address information. Using the above method, the server is able to automatically record the location information of the transaction device through the transaction data uploaded by the terminal, without the need of manually recording the location information of the transaction device, thereby effectively enhancing the efficiency of obtaining the location information of the transaction device.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: December 1, 2020
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Hui Liu, Lin Zhou, Haohua Zheng, Huifeng Jin, Tiancheng Xiang
  • Patent number: 10839364
    Abstract: A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: November 17, 2020
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Ding Zhang, Ningguo Chen, Jianwei Deng, Mingming Zhao, Hailiang Fan, Yulan Liao, Ruting Chen, Qiang Fei, Songjian Wang
  • Patent number: 10832346
    Abstract: A computer implemented method for determining a primary movement window from a vehicle trip is presented. A client computing device may be placed in a vehicle, be free to move with respect to movement of the vehicle, and include an accelerometer. A computer network may receive a plurality of telematics data originating from the client computing device. One or more processors may summarize the plurality of telematics data at a specified sample rate, convert the plurality of telematics data from a time domain to a spectral domain, select one or more data points from the converted telematics data, and determine that a total spectral power of the selected data points meets a threshold value. The one or more processors may identify a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value.
    Type: Grant
    Filed: April 9, 2019
    Date of Patent: November 10, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Sunish Shreenarayan Menon, David James Dosher, Scott Thomas Christensen
  • Patent number: 10832513
    Abstract: Systems and methods allowing for a customer to initiate a fuel purchase transaction utilizing a mobile device are described. The customer may further be presented with advertisements on his mobile device and/or be provided with the opportunity to purchase additional items for inclusion on his fuel transaction. In some embodiments, the customer may pay for his transaction using mobile wallet information or other information associated with the mobile device. Alternatively, in some embodiments, the customer may pay for his transaction using input means of the fuel pump.
    Type: Grant
    Filed: January 3, 2019
    Date of Patent: November 10, 2020
    Assignee: NCR Corporation
    Inventors: Joel Aaron Miller, Michael Cain Finley, Steven J. Giera
  • Patent number: 10810672
    Abstract: A network interface receives portfolio data related to an investment plan portfolio of a participant. A processor identifies a first plurality of risk factors associated with market conditions, wherein the first plurality of risk factors comprises a future data and risk strength. The processor further identifies a second plurality of risk factors associated with the participant. The processor then generates glide path data based at least partially on the first plurality of risk factors and the second plurality of risk factors. The processor also generates a glide path map based at least partially on the generated glide path data.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: October 20, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Christine Pleiman Wootton, Lynn Adrienne Avitabile, Daniel Paul Oldroyd, Katherine Ann Stallkamp Santiago
  • Patent number: 10803448
    Abstract: The present invention relates to a multi card generation method, a multi card use method and a multi card system. The present invention relates to a multi card in which at least one piece of card information is issued in one multi card having an IC chip, and one of such a plurality of cards is selected and used as a main card.
    Type: Grant
    Filed: April 3, 2015
    Date of Patent: October 13, 2020
    Assignee: KONA I CO., LTD.
    Inventors: Sang Jae Lee, Wan Jae Lee, Sung Uh Park
  • Patent number: 10803515
    Abstract: Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader.
    Type: Grant
    Filed: October 31, 2008
    Date of Patent: October 13, 2020
    Assignee: First Data Corporation
    Inventor: Daniel P Skowronek
  • Patent number: 10783583
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which provide for customized alerts for a user. Alerts may be described by a set of alert parameters. Alert parameters include the type of alerts, the frequency of alerts, and the content of the alerts. While the alert parameters may initially be set based upon the users explicitly entered preferences, the system may monitor one or more indicators to dynamically adjust one or more of the alert parameters. As the indicators allow the automated portfolio management system to respond to the needs of a user, these alerts may increase the personalization of automated portfolio management systems.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: September 22, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Duke Lee Gunn, Jr., Daniel Gracey, Jefferson Crew, Lisa Rome, Paresh Mutha
  • Patent number: 10755295
    Abstract: A method for determining an amount of electricity to purchase includes determining electrical power consumption characteristics of an electrical load at an end user of the electricity. A preference of the end user for an output of the electrical load is ascertained. The output varies with a rate of electrical power consumption by the load. A mathematical model is created of an amount of electrical power to be consumed by the load as a function of time and of monetary cost of the electricity. The model is dependent upon the electrical power consumption characteristics of the electrical load and the preference of the end user for an output of the electrical load. An amount of electricity is purchased based on the mathematical model of an amount of electrical power to be consumed by the load, and based on the monetary cost of the electricity.
    Type: Grant
    Filed: October 8, 2015
    Date of Patent: August 25, 2020
    Assignee: Robert Bosch GmbH
    Inventors: Marija Dragoljub Ilic, Jhi Young Joo, Burton Warren Andrews, Badri Raghunathan, Diego Benitez, Felix Maus