Patents Examined by Joseph W King
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Patent number: 12271953Abstract: A method and system for associating information regarding an object with image objects is disclosed, wherein each image object is a visual data containers including an image associated with the object and data items relating to the object. A user may interact with a graphical user interface to create, modify, and associate image objects by means of the associated images. Information regarding the objects may be associated therewith by means of the image objects, and image objects may be associated with other image objects to generate associations between information regarding the underlying objects. Information regarding other image objects or the associated image may be used to determine information regarding the object, which may be associated with the image object. In some embodiments, associating two or more image objects may associate the underlying objects for purposes of insurance policies or may generate a new insurance policy based on the image objects.Type: GrantFiled: February 8, 2024Date of Patent: April 8, 2025Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: Amy Engelhorn
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Patent number: 12271875Abstract: An ATM is configured to interact with a mobile device and provide user access to one or more of the banking services available at the ATM using the mobile device. Banking-related information may be viewed and/or input at the ATM using the mobile device. The ATM may have multiple vertical levels of deposit slots, withdrawal trays and/or receipt dispensers. A level at the ATM at which the user interacts with the ATM for deposits, withdrawals, or receipts may be selected. The level may be specified by the user of the mobile device, at the ATM or using the mobile device, or may be determined by the ATM.Type: GrantFiled: March 1, 2024Date of Patent: April 8, 2025Assignee: Bank of America CorporationInventors: Arjun Thimmareddy, Bryan T. King, Alexander S. Lee, Vaishnavi Varma, Tony Aidoo, Paula M. Booze, Ramesh B. Chandanala, William R. Conrad, Juliet Abdul-Aziz, Gerard P. Gay
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Patent number: 12260389Abstract: Systems, apparatuses, and methods for verifying physical presence of a mobile device as part of an electronic transaction. Tags may be generated and displayed on one or more display devices. Those tags, which may be time-limited, may be read by a mobile device to verify physical presence of the mobile device as a prerequisite to initiating, continuing with, or completing an electronic transaction, and/or as a decision point in how the electronic transaction is to be conducted.Type: GrantFiled: May 23, 2023Date of Patent: March 25, 2025Assignee: Capital One Services, LLCInventors: Zainab Zaki, Jackson Cheek
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Patent number: 12236410Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.Type: GrantFiled: September 29, 2023Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg
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Patent number: 12217239Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.Type: GrantFiled: September 15, 2023Date of Patent: February 4, 2025Assignee: Mastercard International IncorporatedInventors: Kaushal Naveen Shetty, Ajay Sinha, Rajesh Krishna Sadanand, Sachin Kumar Singh
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Patent number: 12211098Abstract: Systems and methods for executing a transaction with reduced latency and increased security and efficiency on a blockchain-based digital platform are provided. Methods may include establishing a first blockchain node associated with a first entity, identifying cross listed assets of the first entity, calculating an execution suitability index for each asset, selecting a target asset for liquidation, and establishing a second blockchain node associated with a second entity. Methods may also include receiving an agreement from the second entity to acquire the target asset from the first entity, recording the agreement on the blockchain, receiving an authorization from a financial institution to advance funds on behalf of the second entity to the first entity, transferring the funds from the financial institution to the first entity, recording the transfer of the funds on the blockchain, executing the acquisition of the target asset, and recording the acquisition of the target asset on the blockchain.Type: GrantFiled: March 30, 2022Date of Patent: January 28, 2025Assignee: Bank of America CorporationInventors: Saurabh Uprit, Amar Rajendra Tayade
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Patent number: 12190379Abstract: Methods and systems are disclosed for determining changes or revisions to a set of data and providing a user with a computerized graphical depiction of these changes through the use of multiple geometric shapes, the positioning of which shapes relative to one another and the size of which shapes relative to one another depict the changes to the user.Type: GrantFiled: January 10, 2024Date of Patent: January 7, 2025Assignee: CFPH, LLCInventors: Todd Berlent, Jeffrey Stephens, Luis Fernandez
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Patent number: 12183108Abstract: A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.Type: GrantFiled: September 5, 2023Date of Patent: December 31, 2024Assignee: Capital One Services, LLCInventors: Francisco Perezleon, Molly Johnson, Colin Hart, Kaitlin Newman, Angelina Wu, Jason Ji, Joshua Edwards
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Patent number: 12182865Abstract: The disclosed embodiments relate to communication of messages from a database to participants whereby messages, or at least a portion of the content thereof, indicative of changes in the database, due to one or more transactions between two or more participants, are structured so as to reduce redundant data therein and prioritize the transmission of that portion of the message which summarizes the event and result thereof. Further, these event reporting messages may further consolidate, or otherwise be combined with, the corresponding directed reporting messages communicated to the particular participants participating in the reported transaction while preserving the anonymity of those participants to which messages are particularly directed.Type: GrantFiled: October 26, 2023Date of Patent: December 31, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Paul Callaway, Fritz Caskey, Dennis Genetski, Pearce Peck-Walden, José Antonio Acuña-Rohter, Priteshkumar Soni, Rosa Frenkel
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Patent number: 12165155Abstract: Disclosed are methods and systems for payment card transactions, where a Card Verification Value (CVV) or Card Verification Code (CVC) is generated dynamically as part of a tokenized session.Type: GrantFiled: October 1, 2023Date of Patent: December 10, 2024Assignee: RTEKK HOLDINGS LIMITEDInventors: Venkatesa Prasannaa Muralidharan, Shanmuhanathan Thiagaraja
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Patent number: 12159269Abstract: 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: GrantFiled: February 27, 2023Date of Patent: December 3, 2024Assignee: Capital One Services, LLCInventors: Jeremy J. Phillips, Mitchell Miller, Saleem Ahmed Sangi
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Patent number: 12147999Abstract: Systems and methods are provided to process payments for subscribership within a membership platform. Exemplary implementations may: obtain benefit information for content creators of a membership platform; obtain payment processor information characterizing payment processing entities; obtain transaction information characterizing requested transactions between the content creators and the subscribers; determine which of the payment processing entities should process the requested transactions; execute the requested transactions using the payment processing entities; and/or perform other operations.Type: GrantFiled: June 13, 2023Date of Patent: November 19, 2024Assignee: PATREON, INC.Inventor: Nikhil Purushottam Harithas
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Patent number: 12131307Abstract: An example computing platform is configured to receive a request from a first user account of a first P2P payment service that a cross-service transaction be initiated with another user account of another P2P payment service. Based on the request, the computing platform generates a transaction identifier for the transaction and sends the identifier to the first P2P payment service's platform. Thereafter, the computing platform receives, from a second P2P payment service's platform, the transaction identifier and an identifier of a second user account of the second P2P payment service and responsively determines that the cross-service transaction comprises a transfer of funds between a first financial account associated with the first user account and a second financial account associated with the second user account. The computing platform then selects and causes a given payment rail platform to transfer funds between the first and second financial accounts.Type: GrantFiled: February 16, 2022Date of Patent: October 29, 2024Assignee: Discover Financial ServicesInventors: Purvag Patel, Zizhao Gong, Ashley Kocanda, Eric Hwang, Sanjeev Khatri, Subhrajyoti Mukhopadhyay
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Patent number: 12106377Abstract: A system for generating and managing usage-based contracts using blockchains configured to (i) store an insurance contract for a currently occurring or upcoming trip, where the insurance contract is to insure the driver, passenger, and/or vehicle during the trip, where the insurance contract includes terms, conditions, or other clauses (e.g., mileage limitations, limitations on autonomous vehicle operation, etc.) and is in a blockchain structure, and where several nodes store copies of the insurance contract in the blockchain structure; (ii) receive, from the driver and/or (autonomous) vehicle, a requested modification of one or more terms, conditions, or other clauses of the insurance contract, (iii) transmit the requested modification to an insurance auction network, (iv) receive a response to the request from the insurance auction network; and (v) store the response in a new block in the insurance contract (e.g., a smart contract) to facilitate providing trip insurance in a transparent manner.Type: GrantFiled: September 14, 2022Date of Patent: October 1, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventor: Matthew L. Floyd
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Patent number: 12106371Abstract: Example methods, apparatus, and computer readable storage media are described and disclosed. An example method includes receiving, by a computing device, market data related to a tradeable object. The example method includes displaying, by the computing device, a flexible price-volume indicator, the flexible price-volume indicators aligned with a specific value level in a value axis. The example method includes updating, by the computing device, a display property associated with the flexible price-volume indicator, the display property reflecting a quantity value determined based on the received market data. The example method includes displaying, by the computing device, the flexible price-volume indicator in a differentiated state based on a change in the market data.Type: GrantFiled: April 26, 2023Date of Patent: October 1, 2024Assignee: Trading Technologies International, Inc.Inventors: Stefani Sandow, Patrick Joseph Rooney, Scott F. Singer
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Patent number: 12100055Abstract: A system allows for a user to notify an insurance provider or other third-party with a button press. The button can notify of an emergency situation. An event determiner may analyze information of events surrounding the button click. This information may include the time of day, location, identifying information for the insured, recent locations of the button, information from similar button presses and information from previous insurance claims. Based on this information, the event determiner may provide a high percentage estimate of an abnormal condition: home break-in, car accident, flat tire, etc. The system may automatically take action, depending on the event, such as contacting the police, sending a tow truck, or starting an insurance claim.Type: GrantFiled: February 27, 2023Date of Patent: September 24, 2024Assignee: Allstate Insurance CompanyInventors: Alinawaz Ismaili, Joel T. Dewall, Randolph Kwan, Dennis M. Griffin
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Patent number: 12093933Abstract: A system for implementing and managing network-based, variable authentication protocols receives information relating to a digital monetary transaction. Additionally, the system accesses an initial authentication protocol dataset. The system also generates a variable authentication protocol dataset. The system then communicates the variable authentication protocol dataset to the point-of-sale computer system. The system also receives, from the point-of-sale computer system, authentication tokens. Further, the system validates the authentication tokens in view of the variable authentication protocol dataset. Further still, in response to the validation of the authentication tokens, the system processes the digital monetary transaction.Type: GrantFiled: May 15, 2023Date of Patent: September 17, 2024Assignee: VBN Holdings, LLCInventors: Michael A. Liberty, Mike Love, Giovanni A. Dalmaso, Ricardo Osvaldo Giovannone
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Patent number: 12093927Abstract: A computer-implemented includes: causing a first interface to be displayed by a mobile device that includes a first selection option; causing a second interface to be displayed by the mobile device that displays an image capture interface; receiving an image from the mobile device based on receiving a second user selection of an image capture function element displayed on the second interface; determining a product associated with a code; receiving a third user selection of the product and a product purchase option associated with the product; transferring a payment for the product to a merchant associated with the product from an account based on information associated with the merchant and the product purchase option; and causing a third interface to be displayed by the mobile device that includes a purchase confirmation that includes order details regarding the product and the product purchase option.Type: GrantFiled: January 30, 2023Date of Patent: September 17, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish Bhoopen Kurani, Melissa Lowry, Stephen M. Ellis
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Patent number: 12086886Abstract: Machine learning for insurance applications is provided to customers, potential customers, underwriters, and/or other insurance industry associates. An insurance application portal receives an insurance application from a customer regarding an insurance line of business of an insurance carrier. The portal can complete another insurance application for the customer for another line of business of the insurance carrier. The other insurance application is completed using information from the received insurance application and machine learning of customer data to infer inputs of information that does not overlap between the two applications. The portal can provide the completed second insurance application to the customer for approval to apply for the second line of business.Type: GrantFiled: November 23, 2021Date of Patent: September 10, 2024Assignee: AMTRUST FINANCIAL SERVICES, INC.Inventor: Anthony DiFranco
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Patent number: 12079850Abstract: 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: GrantFiled: November 8, 2022Date of Patent: September 3, 2024Assignee: BANK OF MONTREALInventors: Brian Chan, Kashif Arshad, Peter Hing-Cheong Poon