Patents Examined by Kelly S. Campen
  • Patent number: 10430887
    Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc. and/or one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate or premium.
    Type: Grant
    Filed: February 21, 2014
    Date of Patent: October 1, 2019
    Assignee: Allstate Insurance Company
    Inventors: Carolyn Parker, Robert H. Johnson, Nicholas A. Suizzo, Rothana Srey, Sean P. Willett, Regina Madigan, Nan Zhang
  • Patent number: 10430886
    Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.
    Type: Grant
    Filed: May 13, 2013
    Date of Patent: October 1, 2019
    Assignee: Allstate Insurance Company
    Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
  • Patent number: 10430885
    Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.
    Type: Grant
    Filed: August 16, 2012
    Date of Patent: October 1, 2019
    Assignee: Allstate Insurance Company
    Inventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
  • Patent number: 10423997
    Abstract: Electronic commerce over a computer network is facilitated by a computer system that forms a community of computers that enable the users to buy and sell items in an online marketplace. To list the item on an online marketplace website, for example, the selling user posts an item with a seller marketplace item management website by completing an online-item marketplace item creation form. The form requires input related to the item, such as a description, sale price or minimum bid, shipping instructions, and the like, and an image file or image file location illustrating the marketplace item. The seller marketplace item management server provides a marketplace administrator server the marketplace item data including original image file or image file location. The server contains a random image size generator that generates at least two additional images of the marketplace item for display in a seller marketplace item web page to advertise the marketplace item.
    Type: Grant
    Filed: May 28, 2013
    Date of Patent: September 24, 2019
    Assignee: Overstock.com, Inc.
    Inventors: Holly C. MacDonald Korth, Samuel Jacob Peterson
  • Patent number: 10417246
    Abstract: An arbitrary number of custom catalogs for an arbitrary number of customers can be published from a single database of seller catalog data. Custom browse hierarchies can be generated for each of the custom catalogs. The custom catalogs are subsets of the catalog database, and are generated in accordance with a set of rules that defines the scope of the content of the custom catalog. The rule sets define a series of sequential searches by which a subset of the product SKUs contained in the database are returned. A primary hierarchy is maintained that can have a scope coextensive with the primary database. Custom browse hierarchies can be pruned to render their scope approximately coextensive with each subset. The custom catalog subsets and the custom browse hierarchies are generated periodically through a virtual publication process.
    Type: Grant
    Filed: November 15, 2012
    Date of Patent: September 17, 2019
    Inventors: Scott Bonneau, Michael Nonemacher, Jeremy Weinrib
  • Patent number: 10390199
    Abstract: Mobile devices, methods, and computer-program products are provided for prioritizing data sets. A transmission is received from a proximity broadcasting device. The transmission is a data packet that includes a unique identifier corresponding to the proximity broadcasting device. A proximity broadcasting system corresponding to the proximity broadcasting device is identified based on the unique identifier. At least one transaction data set corresponding to the proximity broadcasting system is selected from among a plurality of transaction data sets. The at least one transaction data set is prioritized above the remaining transaction data sets in a hierarchical order.
    Type: Grant
    Filed: February 5, 2015
    Date of Patent: August 20, 2019
    Assignee: GOOGLE LLC
    Inventors: Kai P Johnson, Ryan L Watkins
  • Patent number: 10380693
    Abstract: Systems and methods for generating data representative of insurance coverage for autonomous vehicles are provided. In particular, systems and methods for generating data representative of insurance coverage for autonomous vehicles based on data representative of autonomous vehicle reliability are provided. The data representative of autonomous vehicle reliability may include data representative of the autonomous vehicle original equipment manufacturer test results, autonomous vehicle system manufacturer test results, autonomous vehicle system component manufacturer test results, insurance company autonomous vehicle, systems and/or component test results, and/or third party test results of the autonomous vehicle, systems and/or components.
    Type: Grant
    Filed: February 25, 2014
    Date of Patent: August 13, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Jerry Brett Suiter
  • Patent number: 10380692
    Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may also be used to determine an insurance rate or premium for a user associated with the home device(s). In some arrangements, the data may be used to determine an age of a home device, as well as a likelihood of failure of that device. This information may be used to determine or adjust insurance premiums or rates and/or provide incentives to users to repair or replace the home device(s).
    Type: Grant
    Filed: February 21, 2014
    Date of Patent: August 13, 2019
    Assignee: Allstate Insurance Company
    Inventors: Carolyn Parker, Robert H. Johnson, Nicholas A. Suizzo, Rothana Srey, Sean P. Willett, Regina Madigan, Nan Zhang
  • Patent number: 10366390
    Abstract: An automatic refresh authorization for payment transaction authorizations that are estimated to be expired can be determined ‘in house’ by a payment service provider without the need for human intervention or additional information from a merchant. If several days have gone by since a credit card payment was authorized (but not settled), a reauthorization can be automatically initiated so that a subsequent capture/settlement request will successfully transfer funds. The threshold number of days/hours can be customized by the payment service and/or merchant and may be directed to certain payment processors with high fees only. If the reauthorization fails, a capture request based on the original authorization can be attempted in order to document the denied capture request for the merchant.
    Type: Grant
    Filed: August 30, 2012
    Date of Patent: July 30, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Mark Baldrick, Sanjeeva Kumar
  • Patent number: 10360634
    Abstract: A method, system and computer-readable medium are provided for facilitating a virtual inspection of an insurable area, the method including the steps of receiving an indication of a request from a user at a user mobile device to perform a virtual inspection of an insurable area, determining one or more information items needed with respect to the insurable area, providing a set of instructions to the user at the mobile device for capturing one or more image items based on the determined one or more information items, receiving a set of image items from the mobile device in response to the instructions and providing an insurance decision for the insurable area based on the received set of image items.
    Type: Grant
    Filed: July 14, 2014
    Date of Patent: July 23, 2019
    Assignee: Esurance Insurance Services, Inc.
    Inventor: Stephen Nicholas Lekas
  • Patent number: 10339508
    Abstract: Computer implemented system and methods are provided for evaluating the effectiveness of personalized automated teller machines. In some embodiments, the system may include a camera, an automated teller machine comprising a user interface based on a user profile and at least one server geographically remote from the automated teller machine. The server may be configured to receive a recorded user interaction, receive transaction data, determine an emotion state, extract environmental data, determine a quality indicator for the recorded user interaction, update a user profile, and transmit to the automated teller machine the updated user profile.
    Type: Grant
    Filed: February 12, 2018
    Date of Patent: July 2, 2019
    Assignee: Capital One Services, LLC
    Inventor: David K. Wurmfeld
  • Patent number: 10339505
    Abstract: Provided is a method and a web-site integration system to integrate payment mechanisms into a commercial website that offers online merchants a flexible, user-friendly and customizable wizard to integrate payment mechanisms into their online commercial websites without having to understand the detailed intricacies of an API or other computer code. The wizard steps the merchant through creating an account to obtain credentials and educates the merchant on the page flows of the payment mechanism that the merchant wishes to integrate. Then, the wizard generates code snippets and files to be downloaded by the merchant and to be easily inserted into key pages of the merchant's online commercial website. The merchant can then test the completely integrated code in a developer's sandbox or go live with the completely integrated code.
    Type: Grant
    Filed: August 15, 2012
    Date of Patent: July 2, 2019
    Assignee: PAYPAL, INC.
    Inventors: Srinivasa Rao Pasupulati, Amish Patel, Nick Groleau, William Charles Taylor, Saleem Qadir
  • Patent number: 10332203
    Abstract: Credit card application information is requested from a user. A credit card application information is provided to a credit authorization server for credit approval based on the credit card application information. Additionally, an indication is received for credit approval of the user from the credit authorization server. The indication includes a graphical representation of credit information and the graphical represented displayed for use in completing a payment transaction.
    Type: Grant
    Filed: December 20, 2012
    Date of Patent: June 25, 2019
    Assignee: NCR Corporation
    Inventor: Dennis Paisley
  • Patent number: 10318950
    Abstract: A mobile communications device includes a near field communication (NFC) device, a movement determining device, and a processor coupled with the NFC device and the movement determining device. The processor performs operations for selectively switching between a first operating mode, in which the NFC device is enabled for NFC communication, and a second operating mode. When switched to the unsecure operating mode, the processor performs operations for enabling the NFC device for NFC communication until the mobile communications device moves beyond a threshold distance based upon the movement determining device.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: June 11, 2019
    Assignee: BlackBerry Limited
    Inventors: Neil Patrick Adams, Ravi Singh, Vincenzo Kazimierz Marcovecchio
  • Patent number: 10311406
    Abstract: A system and method to facilitate transactions between a customer and a vendor utilizing an advertising campaign reaching a plurality of potential customers is provided. The method includes receiving a request from the vendor for a bulk token for use in the advertising campaign, generating the bulk token, transmitting the bulk token to the vendor to embed into the advertising campaign associated with a mailto link, the bulk token being sent as part of the advertising campaign to at least one of the plurality of potential customer, receiving a reply SMTP email from a customer from the plurality of potential customers indicating a request for a transaction responsive to the advertising campaign by selecting the mailto link, decoding the bulk token to verify the transaction, performing an SPF and DKIM validation of the received SMTP email to validate the transaction, and processing the verified and validated transaction.
    Type: Grant
    Filed: August 15, 2014
    Date of Patent: June 4, 2019
    Assignee: SWOOP IP HOLDINGS LLC
    Inventors: James Kassemi, Lawrence Glen Holcomb
  • Patent number: 10289988
    Abstract: A system and/or method for enabling a user to access a game without registering a platform account. In implementations, responsive to receiving an initial purchase request from an unregistered user, a platform registration request may be generated for the user to obtain stated information from the user for inclusion in a registered platform account, such that the user is requested to provide the stated information for inclusion in the registered platform account before a purchase associated with the initial purchase request is completed.
    Type: Grant
    Filed: December 9, 2013
    Date of Patent: May 14, 2019
    Assignee: Electronic Arts Inc.
    Inventor: Ziqiang Xu
  • Patent number: 10269061
    Abstract: An anonymous block trade matching system which allows users that wish to cross large blocks of stock to submit orders, or indications of interest, with the option of utilizing market peg benchmarks or future price cross benchmarks. Orders submitted may be subject to minimum thresholds, including a threshold requiring that the order represent ‘X’ % of average daily volume. After submission of a firm order in the system, an alert may be generated to provide the order data to other users with potential to cross the order. Visibility of order data by other users may be restricted completely, or limited to a data interaction group to which the ordering user or the other user belongs.
    Type: Grant
    Filed: April 28, 2010
    Date of Patent: April 23, 2019
    Assignee: INSTINET EUROPE LIMITED
    Inventor: Anthony Mackay
  • Patent number: 10235673
    Abstract: Systems and methods for detecting fraudulent activity in user transactions. An exemplary method includes: collecting user behavior data during the user's interaction via an input device with one or more groups of elements of a graphical interface of an application on a computing device; calculating, by a processor, an anomalous user behavior coefficient for each group of elements of the graphical interface based on the collected user behavior data; detecting, by the processor, a fraudulent activity when a combination of anomalous user behavior coefficients exceeds a predetermined threshold value; and in response to detecting a fraudulent activity, blocking, by the processor, the interaction of the user with the application.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: March 19, 2019
    Assignee: AO KASPERSKY LAB
    Inventors: Evgeny B. Kolotinsky, Vladimir A. Skvortsov
  • Patent number: 10176478
    Abstract: Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.
    Type: Grant
    Filed: October 23, 2013
    Date of Patent: January 8, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Alfred William Griggs, Brian Byrne, Lori Van Deloo, John F. Sheets, Fred Liu, Kevin Weller, Andre Machicao, Luba Goldberg, Marc Batchan, Kevin Yuann
  • Patent number: 10102517
    Abstract: A request to make a purchase from a mobile device of a first entity is detected. In response to the detected request, a determination is made whether the first entity has a subservient relationship with a second entity. In response to a determination that the first entity has the subservient relationship with the second entity, another determination is made whether the first entity is located proximate to the second entity. A first set of purchasing limitations is applied to the request in response to the determination that the first entity has the subservient relationship with the second entity and a determination that the first entity is located proximate to the second entity.
    Type: Grant
    Filed: January 9, 2017
    Date of Patent: October 16, 2018
    Assignee: PAYPAL, INC.
    Inventor: Jeremiah Joseph Akin