Patents Examined by Joseph W King
  • Patent number: 11610204
    Abstract: A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.
    Type: Grant
    Filed: November 25, 2020
    Date of Patent: March 21, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bryan J. Osterkamp, Will Kerns Maney, Jr., Andre Rene Buentello, Mark Paxman Warnick, Jose L. Romero, Jr., Oscar Roberto Tijerina, Sean Carl Mitchem, Timothy Blair Chalmers, Ruthie D. Lyle, Mitzi Ruiz
  • Patent number: 11593874
    Abstract: A merchant system structures communications among merchants, partners, and customers. The merchant system may include a messaging component that organizes messages so that a manager can quickly navigate and understand the content of incoming messages. The messaging system also may categorize a user's profile so that a user may share profile information established at a first merchant with a second merchant.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: February 28, 2023
    Assignee: LIVINGSOCIAL, INC.
    Inventors: Eric Laird, Cara Maggioni, Kerry Lenahan, Timothy McCann
  • Patent number: 11593775
    Abstract: Disclosed herein are system, method, and computer program product embodiments for authenticating a mobile user via an authentication method determined based on a token level associated with the action being completed. An authentication token is created corresponding to the token level and the authentication token is sent to the mobile device. This authentication token may be used to authenticate subsequent actions and engage various services to complete the actions using application programming interfaces. The authentication token stored on the mobile device obviates the need for a user to authenticate multiple times to complete actions requiring a similar token level. The system may authenticate the identity of the mobile user using various authentication methods.
    Type: Grant
    Filed: May 18, 2021
    Date of Patent: February 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Mitchell Miller, Saleem Ahmed Sangi
  • Patent number: 11580524
    Abstract: Advantageously, the invention is a competitor to money transfer systems. Conventional digital transactions facilitate electronic payment, such as money transfers, payment card charges, e-commerce transactions and other types of transactions. However, payees may be unbanked people (e.g., children) or people with no payment card (e.g., may have lost card), and payment card fund transfers may be expensive, time consuming, and cumbersome for financial institutions. Thus, there is need for an improved approach.
    Type: Grant
    Filed: July 23, 2019
    Date of Patent: February 14, 2023
    Assignee: Middleware, Inc.
    Inventor: Oleksandr Vityaz
  • Patent number: 11568480
    Abstract: Systems and methods for an autonomous marketplace system include a server that extracts borrower data including financial, operational and business data, and lender data from prospective lenders including financial data and a target profile for each prospective lender. It then generates, using artificial intelligence, an autonomous ranked match of prospective lenders. The artificial intelligence identifies relationships between the borrower data and the prospective lender data to generate the autonomous ranked match based on a preference of the borrower and a correlation between the identified relationships. Upon the borrower entering an internet based chat room, the identities of the prospective lenders are revealed. The borrower selects one or more prospective lenders to receive a finance request, and after selection by the borrower, the selected prospective lenders are first notified and informed of an existence of the finance request of the borrower.
    Type: Grant
    Filed: October 2, 2018
    Date of Patent: January 31, 2023
    Inventors: Matthew C. Bjonerud, Kevin Dieter
  • Patent number: 11568391
    Abstract: A computer-implemented includes: authenticating a user; generating an interface configured to be displayed by a mobile device of the user; receiving a captured image from the mobile device of the user based on an activation by the user of an image capture function element displayed on the interface and a subsequent capturing of the image by the mobile device, the captured image comprising a code; determining a merchant associated with the code; receiving a selection of a product and a product purchase option associated with the determined merchant from the interface; in response to determining the merchant and receiving the product purchase option, transferring a payment for the product to the merchant from an account held by the user based on information associated with the merchant and the product purchase option; and sending, to the interface, a purchase confirmation comprising order details including the product and the product purchase option.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: January 31, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Bhoopen Kurani, Melissa Lowry, Stephen M. Ellis
  • Patent number: 11568495
    Abstract: A computer-implemented method includes creating a premiums escrow, with a zero balance, for a group of policyholders and managed using a distributed ledger and self-executing agreement. At a term beginning, the self-executing agreement receives premium payments using cryptocurrency from each policyholder and allocates the premium payments to the premiums escrow. During the term the self-executing agreement receives a notification of an incident claim associated with a claimant policyholder. At a term end, the self-executing agreement receives payment instructions from the policyholders; pays, using cryptocurrency from the premiums escrow, the claimant an incident claim payment larger than the premium payment and determined according to the payment instructions; and distributes to the policyholders a rebate payment equal to or lower than the premium payment from the premiums escrow, which returns to a zero balance.
    Type: Grant
    Filed: August 19, 2020
    Date of Patent: January 31, 2023
    Inventor: Joshua Paul Davis
  • Patent number: 11562339
    Abstract: In one embodiment, a method includes receiving, by a payment server and from a messaging application executing on a first mobile device operated by a first user, a request to initiate a payment transaction using a payment application. The request includes a payment amount and an identifier associated with the first user. The method includes facilitating a first adjustment to a balance associated with the financial account of the first user in the data store identified based on the identifier. The method includes generating a link associated with the first adjustment and transmitting the link to the first mobile device. The method includes, upon receiving from a second user operating a messaging application, an indication that the second user has interacted with the link within the messaging application, facilitating a second adjustment of a balance of a financial account of the second user according to the payment amount.
    Type: Grant
    Filed: February 11, 2021
    Date of Patent: January 24, 2023
    Assignee: Block, Inc.
    Inventors: Alan Paulin, Peter Westen, Shawn Welch, Daniel Federman, Michael Gershunovsky, Ayokunle Omojola
  • Patent number: 11556996
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for integrating the online purchase of a product with the purchase of an insurance policy providing coverage for the product. When a customer initiates the purchase of a product through an online retailer, various aspects include obtaining personal information for the customer, as well as product information for the product. Based upon this information, various aspects may include determining whether the customer is eligible to purchase insurance, and assessing a level of risk in providing a particular type of insurance coverage to the customer. Additionally, various aspects may further include determining an insurance quote based upon this level of risk and transmitting an offer to purchase the insurance policy to the customer. The customer may then purchase the product and insurance policy in one transaction such that binding insurance coverage for the product is provided at the time of purchase.
    Type: Grant
    Filed: November 1, 2019
    Date of Patent: January 17, 2023
    Inventors: Timothy Joel Davis, Amy Engelhorn
  • Patent number: 11551310
    Abstract: Systems, methods, and computer-readable medium storing instructions can be used to predict insurance information. One of the methods includes obtaining information about an insured entity. The method includes providing the information to a machine learning system, the machine learning system trained to provide insurance information based on the provided information. The method includes in response to providing the information, receiving a prediction of the insurance information. The method also includes adjusting an insurance premium based on the prediction.
    Type: Grant
    Filed: June 10, 2021
    Date of Patent: January 10, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ameer Noorani
  • Patent number: 11551234
    Abstract: A method for managing payment submissions includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction of a predefined amount, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; and re-transmitting the authorization request for less than the predefined amount and greater than a configurable threshold value, until the authorization request is approved by the issuer processor or until the authorization request falls below the configurable threshold value.
    Type: Grant
    Filed: March 23, 2020
    Date of Patent: January 10, 2023
    Assignee: Worldpay, LLC
    Inventor: Sunil Dixit
  • Patent number: 11544963
    Abstract: An appliance includes a body, an interface panel, a scanning device, and a controller. The interface panel is coupled to the body. The scanning device is coupled to the interface panel and is configured to conduct a facial scan and gather a facial data set. The controller is communicatively coupled to the scanning device, wherein the controller is configured to receive the facial data set and compare the facial data set to a stored verification data set. The controller is configured to activate a routine based on the comparison of the facial data set and the stored verification data set.
    Type: Grant
    Filed: October 18, 2019
    Date of Patent: January 3, 2023
    Assignee: Whirlpool Corporation
    Inventors: Mayuresh Prashant Arankalle, Gregory A. Ferro, Ameya S. Kshirsagar
  • Patent number: 11544696
    Abstract: The present disclosure relates to a method for conducting a transaction while in proximity of a local retail network operated by a retail point of sale comprising: a) receiving an identification signal related to one or more media identifiers associated with a media control device and from a user mobile device, wherein the user mobile device is connected to a first network; b) transmitting data to the user mobile device to render a media control interface on the user mobile device; c) receiving one or more instruction signals from the user mobile device, wherein the one or more instruction signals are related to one or more outputs of one or more media devices in proximity to the user mobile device; d) transmitting the one or more instruction signals to a media control device, such that the media control device instructs the one or more media devices to generate the one or more outputs; e) disabling a connection between the user mobile device and the media control device based upon occurrence of a pre-determi
    Type: Grant
    Filed: May 20, 2021
    Date of Patent: January 3, 2023
    Assignee: NERDY BUNNY I, LLC
    Inventors: Victor Nemirovsky, Itai Ben-Gal
  • Patent number: 11538107
    Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.
    Type: Grant
    Filed: February 12, 2021
    Date of Patent: December 27, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Patent number: 11538101
    Abstract: Apparatuses, systems, methods, and program products are disclosed. An apparatus includes a processor and a memory that stores code executable by the processor to generate a first graphical representation of a total budget based on an amount of the total budget and an expense amount of the total budget amount, generate one or more second graphical representations of categories of sub-budgets of the total budget amount based on an amount of the total budget for the category and an expense amount of the total budget amount for the category, and graphically present, on a display, the first graphical representation and the one or more second graphical representations adjacent to the first graphical representation such that the first graphical representation and the one or more second graphical representations are dynamically sized relative to one another based on the total budget amounts for each graphical representation and a size of the display.
    Type: Grant
    Filed: January 6, 2020
    Date of Patent: December 27, 2022
    Inventor: John Ryan Caldwell
  • Patent number: 11526942
    Abstract: A system and method are provided for settlement and delivery of cash settled futures contracts overlying open-ended mutual fund shares with optional delivery of mutual fund shares when physical settlement is elected. On the last date of the contract, a party which has an open position in the contract tenders the clearing organization a request to elect optional physical settlement of a specified number of shares of the mutual fund in additional to the standard cash settlement of those contracts. The clearing organization, upon acceptance and when it is certain of the requestor's final position in the futures contract, it processes the election request against the requestor's final position and possibly submits an order on behalf of the requestor to the investment company which manages the mutual fund to purchase or redeem shares of the open-ended mutual fund in a quantity roughly the size of the requestor's final contract position.
    Type: Grant
    Filed: September 2, 2021
    Date of Patent: December 13, 2022
    Assignee: NYSE Chicago, Inc.
    Inventor: Steven I. Givot
  • Patent number: 11514490
    Abstract: A platform and process for electronic payment processing using electronic calendars and communications from a set of connected servers with logic code to automate machine operations relating to electronic payments. The system and process can generate alerts using fraud detection and verify payment requests using historical data and pattern recognition. The electronic calendar can be integrated into an electronic wallet application.
    Type: Grant
    Filed: July 31, 2019
    Date of Patent: November 29, 2022
    Assignee: BANK OF MONTREAL
    Inventors: Brian Chan, Kashif Arshad, Peter Hing-Cheong Poon
  • Patent number: 11507956
    Abstract: A system for alerting a user of undesired components in purchase items is provided. The system comprises receiving a list of undesired components of purchased items, and defining an alert to a user of an undesired component in a purchased item, the alert comprising an alert timing configuration and an undesired component identification. The system further comprises receiving a notice that the user purchased an item, determining whether a listing of the purchased item has been automatically collected, and generating a list of components of the purchased item when the purchased item listing has been automatically collected, and obtaining from the user the list of components of the purchased item when the purchased item listing has not been automatically collected. The system further determines whether the purchased item contains an undesired component, and upon determining that the purchased item contains art undesired component, sends the alert to the user.
    Type: Grant
    Filed: May 11, 2020
    Date of Patent: November 22, 2022
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Latika Gulati, Rajko Ilincic
  • Patent number: 11508004
    Abstract: According to some embodiments, apparatus and methods are provided. A connector attachment includes a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.
    Type: Grant
    Filed: June 1, 2020
    Date of Patent: November 22, 2022
    Inventors: Paul Michael Musser, Sandeep Malhotra, David Colby Brown
  • Patent number: 11501303
    Abstract: A fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. The fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. The fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. The fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. The fraud detection platform may perform one or more actions based on the fraud score.
    Type: Grant
    Filed: July 29, 2020
    Date of Patent: November 15, 2022
    Assignee: Capital One Services, LLC
    Inventors: Molly Johnson, Adam Vukich, James Zarakas