Patents Examined by Kellie Campbell
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Patent number: 10657586Abstract: Methods, systems, and articles of manufacture consistent with the present invention provide for deploying an offering to a customer in a data processing system having an offering platform program operatively connected to a distributed offering network. An offering deployment package including the offering is received from a remote offering platform program. The offering included in the offering deployment package is deployed.Type: GrantFiled: January 5, 2006Date of Patent: May 19, 2020Assignee: ORACLE AMERICA, INC.Inventors: Michael J. Wookey, Michael J. Gionfriddo
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Patent number: 10083481Abstract: A method for treating information technology (IT) risk of an organization including identifying a plurality of IT risks, where each of the plurality of IT risks is based on a known problem and is associated with an IT asset classification and an IT consequence classification, calculating a plurality of IT risk exposure indices, where each of the plurality of IT risk exposure indices is associated with at least one of the plurality of IT risks, adjusting each of the plurality of IT risk exposure indices based on a business impact factor to obtain a business impact index, prioritizing the plurality of IT risks by adjusting the business impact index based on a risk treatment factor to obtain a prioritized risk treatment index, and selecting at least one of the plurality of IT risks for treatment based upon the prioritized risk treatment index.Type: GrantFiled: February 2, 2006Date of Patent: September 25, 2018Assignee: Oracle America, Inc.Inventors: Jefre E. Futch, Andrew J. Gonczi, Roberta J. Mason, Ingrid C. Stuckenberg
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Patent number: 9751417Abstract: An electricity distribution, monitoring, and control system for recharging electric vehicles. The system may include a plug outlet device having a sensor, and a plug adapter apparatus having a tag. The tag may communicate with the sensor when the plug adapter apparatus is coupled to the plug outlet device. An electric vehicle receives an electric charge from the plug outlet device after an identification number associated with the tag is verified by a remote server. Alternatively, a plug outlet device includes a tag, and an electric vehicle has attached thereto a monitoring and communication device, which may include a sensor. The sensor may communicate with the tag when the electric vehicle is proximally located to the plug outlet device, and obtain authorization from a remote server or the outlet device to charge the electric vehicle. A user account is automatically billed and a provider account is automatically credited.Type: GrantFiled: January 7, 2010Date of Patent: September 5, 2017Assignee: Evercharge, Inc.Inventors: Mario Landau-Holdsworth, Amber Case, Adan Vielma
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Patent number: 8805735Abstract: A system and method of determining a model default swap spread for a firm which includes the following steps: (i) determining a calibration group of the firm, wherein the calibration group comprises other firms having a region, a sector and a coarse quality related to the firm; (ii) setting firm leverage variables through combining observable data with a value of at least one model parameter; (iii) calibrating variables based on the calibration group; (iv) calculating the model default swap spread based on at least one of calibration variables; and (v) storing the model default swap spread.Type: GrantFiled: July 9, 2007Date of Patent: August 12, 2014Assignee: Morgan Stanley Capital International, Inc.Inventors: Lisa R. Goldberg, Rajnish Kamat, Vijay Poduri
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Patent number: 8799131Abstract: A directed order process and related market center are disclosed, wherein a market center grants permission to order sending firms to send directed order flow to participating designated market makers. Such designated market makers create a virtual guarantee order book for each permissioned order sending firm. If an order sending firm sends a directed order to the market center that is marketable against a virtual guarantee order, then the market center automatically pairs the orders in a two-sided directed cross order instruction, which executes against any superior trading interest in the marketplace first before crossing.Type: GrantFiled: September 22, 2006Date of Patent: August 5, 2014Assignee: NYSE Group, Inc.Inventors: Michael A. Cormack, Jennifer L Drake, Thomas F. Haller, Robert A. Hill
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Patent number: 8781938Abstract: A computer-implemented method and apparatus for determining a cost basis associated with a plurality of shares of a security. In response to information identifying an issuer, the purchase date and the sale date, a list of capital events that occurred in connection with the security between the purchase date and the sale date is retrieved from a database. One or more shares held adjustment ratios are then retrieved from a database. Each of the shares held adjustment ratios corresponds to one of the capital events that occurred in connection with the security between the purchase date and the sale date. A current cost basis associated with the security may then be determined in accordance with the one or more cost adjustment ratios and the purchase price per share of the security.Type: GrantFiled: August 21, 2013Date of Patent: July 15, 2014Assignee: Networth Services, Inc.Inventors: Nico Willis, Laura Muggli
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Patent number: 8768814Abstract: A computer-implemented method and apparatus for determining a cost basis associated with a plurality of shares of a security. In response to information identifying an issuer, the purchase date and the sale date, a list of capital events that occurred in connection with the security between the purchase date and the sale date is retrieved from a database. One or more shares held adjustment ratios are then retrieved from a database. Each of the shares held adjustment ratios corresponds to one of the capital events that occurred in connection with the security between the purchase date and the sale date. A current cost basis associated with the security may then be determined in accordance with the one or more cost adjustment ratios and the purchase price per share of the security.Type: GrantFiled: August 21, 2013Date of Patent: July 1, 2014Assignee: Networth Services, Inc.Inventors: Nico Willis, Laura Muggli
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Patent number: 8694410Abstract: The disclosure is directed generally to a system used to generate and display useful support and resistance levels, as derived from a given price of a security or commodity. The system incorporates a methodology to derive and display key price values, in actual currency units such as dollars and cents, to serve as support and resistance levels for the benefit of a user who in turn can better make buy and sell decisions for targeted securities and/or commodities.Type: GrantFiled: April 6, 2010Date of Patent: April 8, 2014Inventor: Martyn G. Millett
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Patent number: 8676707Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.Type: GrantFiled: July 30, 2008Date of Patent: March 18, 2014Assignee: Orbis Patents Ltd.Inventors: Daniel Ian Flitcroft, Garry Lyons
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Patent number: 8650112Abstract: A synthetic instrument known as a “Total Fair Value Swap” is disclosed. According to one embodiment, the Total Fair Value Swap may comprise an agreement between two counterparties, a “Fixed Rate Payer” and a “Floating Rate Payer”. According to the agreement, the Fixed Rate Payer makes a stream of payments to the Floating Rate Payer based on a fixed rate, and the Floating Rate Payer makes a second stream of payments to the Fixed Rate Payer based on a floating rate, wherein a first portion of the floating rate is based on a reference interest rate, and wherein a second portion of the floating rate is based on a credit spread associated with the Floating Rate Payer. The reference interest rate may be, for example, London Inter-Bank Offer Rate (LIBOR), prime interest rate, the US dollar swap rate, the U.S. Treasury Bond rate or any other widely traded interest rate that is reset periodically. The credit spread may be observed from the Credit Default Swap (CDS) market.Type: GrantFiled: May 23, 2011Date of Patent: February 11, 2014Assignee: JPMorgan Chase Bank, N.A.Inventors: David A Oaten, Stephen J Wolf, Pankaj Jhamb
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Patent number: 8612328Abstract: A method for providing a trading platform over the Internet or other network that allows users to participate in competitive virtual trading of securities and/or derivatives, wherein the monetary returns of the participants are based on their relative performances. All of the participants must register and deposit monies in an account with the trading platform provider. The platform provider will control the crediting and debiting of each account based on the results of each competition.Type: GrantFiled: February 24, 2009Date of Patent: December 17, 2013Inventors: Ori Rosen, Eli Nhaissi
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Patent number: 8606679Abstract: The disclosed technology provides systems and methods for processing, auctioning, and managing fractional ownerships in real estate assets. In one aspect, the disclosed technology accesses electronic information that specifies a real estate asset for sale. The electronic information specifies that ownership of the real estate asset includes a right to some or all income from the real estate asset. The disclosed technology also accesses electronic information that specifies one or more of bids for fractional ownership in the real estate asset. Each of the bids specifies a bid amount reflecting a purchase price to be paid for the fractional ownership and a corresponding bid yield associated with the bid amount. The disclosed technology selects one or more of the bids to form a sale transaction for the real estate asset and then stores an electronic record indicating that a fractional ownership in the real estate asset has been sold based on the selected bid(s).Type: GrantFiled: August 10, 2009Date of Patent: December 10, 2013Inventor: Jonathan J. Daniel
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Patent number: 8595095Abstract: In a banking application system including numerous banking applications, a data management framework allows for the generalized storage and subsequent access of result data. Through the application of the framework to the raw processing data generated by one of the banking applications, the result data is stored in a general storage location. Through this framework, the data is then readily accessible by all other banking applications. This framework includes a header field, characteristics data and key figure data. This removes proprietary restrictions on the data itself and thus makes it available to the other applications, increasing cross-system efficiency by allowing other applications to access and subsequently use the result data.Type: GrantFiled: May 31, 2006Date of Patent: November 26, 2013Assignee: SAP AGInventors: Andreas S Borchardt, Dirk Endesfelder, Ralf M Handl, Michael Hladik, Roland Kolata, Ekkehard Lange, Christoph Meinel, Frank Raebiger
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Patent number: 8577779Abstract: The invention relates to an improved means for interactive computerized communications having a facilitated capability for order entry and order execution, and providing an enhanced range of trading forms and methods to clients of brokerage firms dealing in financial instruments. In particular, the invention relates to a type of interactive computerized system and software program providing services based from trading patterns, to result in a more efficient and flexible range in the type of allowable trades, and that provides thereby innovative and strategic advantages to individual investors of brokerage firms, for actively managing financial instruments held in trading accounts.Type: GrantFiled: October 3, 2006Date of Patent: November 5, 2013Assignee: optionsXpress Holdings, Inc.Inventor: David S. Kalt
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Patent number: 8548891Abstract: A method for funding the purchase or construction of a real or personal property through issuing preferred stock is provided. The method includes the steps of providing a computer that is programmed to forecast multi-year financial results of a consolidated company, receiving inputs relating to market variables, and generating outputs forecasting incremental cash flow, earnings, and balance sheet liabilities to the consolidated company. The method further includes determining whether to issue common stock and preferred stock for financing a stock issuer's purchase or construction of the financed property by comparing the outputs with financial results attributable to leasing the financed property from an unrelated third party or purchasing the financed property using proceeds of a third party loan secured by the financed property.Type: GrantFiled: July 18, 2012Date of Patent: October 1, 2013Assignee: Leasehold Equities LLCInventor: Glenn L. Madere
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Patent number: 8515853Abstract: A dealer sells match insurance to participants in an order matching process. If a participant's order is not matched in the match process, then the participant can exercise the match insurance to obtain a contra-side order that matches. Purchasing match insurance is similar to purchasing an option with a floating strike price; with the strike price being determined by the match price. The match insurance itself may be tradeable. Matching orders are executed. A participant may cancel some or all of its match insurance before the match occurs and the dealer refunds the insurance premium less a cancellation fee. Traders not participating in the match may obtain an immediate execution guarantee from the dealer, at the next match price, by paying a fee.Type: GrantFiled: December 19, 2003Date of Patent: August 20, 2013Inventor: Christopher Keith
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Patent number: 8489432Abstract: Insurance customers may establish and contribute to a self-insurance account. The insured may set aside an amount each policy period that is deposited to the self-insurance account. The value of the self-insurance account may further grow in value with earnings via common investment vehicles. The deposits and investment growth may continue until the account reaches maturity (self-insurance status). From that point forward customers can forego paying insurance premiums. The self-insurance account is accessible to the insured as a financial asset, and may be provided to the insured upon termination of the self-insurance account.Type: GrantFiled: October 26, 2007Date of Patent: July 16, 2013Assignee: United Services Automobile AssociationInventor: Arthur Quentin Smith
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Patent number: 8423443Abstract: A method for providing a bid price and/or an offer price of an option relating to an underlying asset, the method including the steps of receiving first input data corresponding to a plurality of parameters defining the option, receiving second input data corresponding to a plurality of current market conditions relating to the underlying value, computing a corrected theoretical value (CTV) of the option based on the first and second input data, computing a bid/offer spread of the option based on the first and input data, computing a bid price and/or an offer price of the option based on the corrected TV and the bid/offer spread, and providing an output corresponding to the bid price and/or the offer price of said option.Type: GrantFiled: October 13, 2001Date of Patent: April 16, 2013Assignee: Super Derivatives, Inc.Inventor: David Gershon
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Patent number: 8423451Abstract: A computer-implemented data processing system for managing processing of mortgage loan applications comprises task manager logic configured to generate a first list representing a first plurality of tasks to be performed in connection with a mortgage loan application. The task manager logic is also configured to generate a second list representing a second plurality of tasks to be performed in connection with the mortgage loan application. The second list is generated after work has been performed in connection with processing the first list. The task manager logic comprises reconciliation logic configured to reconcile the first and second lists so that the work performed during processing of the first list is reflected in the second list.Type: GrantFiled: December 30, 2005Date of Patent: April 16, 2013Assignee: Fannie MaiInventors: David R. Flaxman, Minerva L. Tantoco-Hobbs, Anne M. Murphy Kobus, Michael W. Koch, Daniel Packer, Peter G. Plofchan, Richard C. Pomeroy
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Patent number: 8386364Abstract: A computerized entity, system and method for monitoring, determining and/or presenting risk to a trader for multi-leg transactions is provided. The system may include a trading terminal that can calculate the current price for a synthetic instrument representing a multi-leg trade based on trading data for each financial instrument of the multi-leg trade. The trading terminal may provide indicia of the likelihood of success of completing each single-leg trade of the multi-leg trade.Type: GrantFiled: September 21, 2006Date of Patent: February 26, 2013Assignee: Reuters LimitedInventors: Shaun P. Sibley, David P. Watts, Leigh B. Henson