Patents Examined by Kenneth Bartley
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Patent number: 10762495Abstract: Integrating third-party applications and native applications allows platform designers to provide greater services than otherwise would be available. This integration can increase security, provide more features, and give users a better experience with devices. Examples of such integration can allow third-party applications to have access to hardware and to provide seamless services to users. Such services can include registering payment accounts, allowing for loyalty programs, and providing additional information and services in native applications to provide a seamless experience.Type: GrantFiled: December 30, 2016Date of Patent: September 1, 2020Assignee: Square, Inc.Inventors: Brian Grassadonia, Ayokunle Omojola, Robert Andersen, Michael Moring, Daniele Perito
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Patent number: 10762483Abstract: Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.Type: GrantFiled: May 10, 2017Date of Patent: September 1, 2020Assignee: Bank of America CorporationInventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
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Patent number: 10748132Abstract: An apparatus includes a memory and a hardware processor. The processor detects that a transaction involving a mobile device occurred. After detecting the transaction, the processor receives, from the mobile device, transaction information about the transaction, the transaction information comprising an identification of a merchant performing the transaction and an identification of a user of the mobile device. The processor receives, from the mobile device, a media file generated by the mobile device during the transaction and links the media file to the transaction information. The processor stores the transaction information and the media file in the memory.Type: GrantFiled: July 17, 2018Date of Patent: August 18, 2020Assignee: Bank of America CorporationInventors: Pinak Chakraborty, Rajesh Balireddy, Sandeep Chauhan
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Patent number: 10607284Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).Type: GrantFiled: December 15, 2015Date of Patent: March 31, 2020Assignee: Early Warning Services, LLCInventors: Ravi Loganathan, Ronald Scott Alcorn, Sandra Letterly, James Kaufman, Laura Weinflash
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Patent number: 10600044Abstract: Disclosed are devices and methods for providing solar lighting and power to a consumer using pay-as-you-go technology. The pay-as-you-go technology allows for a user to pay for home power and lighting on an incremental basis as they use the device. The payments are made using a user's cell phone. A pay-as-you-go lighting apparatus may include a lighting module configured to provide lighting to a customer when activated, and a control system including a processor and a memory configured to monitor usage of the lighting apparatus, track remaining usage credits, and disable the lighting apparatus when there are no remaining usage credits.Type: GrantFiled: December 20, 2012Date of Patent: March 24, 2020Assignee: ANGAZA DESIGN, INC.Inventors: Lesley Silverthorn Marincola, Bryan Silverthorn, F. Iannce, Kurt Kuhlmann, Bryan Duggan, Peter Zullo, Victoria Arch
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Patent number: 10580001Abstract: A transaction request may be initiated and completed using a vehicle based communication system. A vehicle may include a wireless tag or transponder, and a wireless system at a service station or fuel station can detect the presence of the wireless tag in a predefined wireless service area. The wireless system can transmit location information based on the detected location of the wireless tag or vehicle to the wireless tag. A communication device may establish a communication connection with a wireless tag or transponder, and through the communication connection, the wireless tag can transmit the location information received from the wireless system to the communication device. The requester may use the communication device to provide or enter transaction information. The communication device can transmit the transaction information for transaction authorization, and in response to authorization of the transaction, a transaction authorization indication may be transmitted to a point of sale.Type: GrantFiled: January 13, 2014Date of Patent: March 3, 2020Assignee: Epona LLCInventors: Ernest Betancourt, Vince Peschio
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Patent number: 10580076Abstract: A wearable communication device that is selectively configured to assist in the implementation of insurance claims processing. The device is capable of voice-activated or touch-activated insurance claim processing instructions and assisting the user in implementing insurance processing function such as damage appraisals and the like.Type: GrantFiled: May 2, 2014Date of Patent: March 3, 2020Assignee: METROPOLITAN LIFE INSURANCE CO.Inventor: Amir Weiss
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Patent number: 10504174Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).Type: GrantFiled: March 14, 2016Date of Patent: December 10, 2019Assignee: Early Warning Services, LLCInventors: Ravi Loganathan, Ronald Scott Alcorn, Sandra Letterly, James Kaufman, Laura Weinflash
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Patent number: 10489863Abstract: Disclosed are computer implemented systems and methods for in situ inspection of a roof of a policy holder's dwelling. The inspection system establishes a baseline condition at a first point in time for the roof by scanning using one or more sensors to collect baseline condition data. The roof is scanned at a point in time subsequent to the first point in time to establish a present condition using the one or more sensors to collect present condition data. The baseline condition data and the present condition data are transmitted to a computing device which compares the baseline condition data with the present condition data to determine anomalies indicative of roof damage or deterioration and/or to determine repair needs for the roof.Type: GrantFiled: May 26, 2016Date of Patent: November 26, 2019Assignee: United Services Automobile Association (USAA)Inventor: Cory A. Matheson
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Patent number: 10475296Abstract: Exemplary embodiments include a hybrid cash recycler device that provides cash handling and extended capabilities for use within a financial institution. The hybrid cash recycler may be configured to support wireless communications with multiple distributed computing devices in a financial institution branch. The wireless connectivity may provide portable command and control capabilities for the hybrid cash recycler. The hybrid cash recycler may be configured to employ queuing mechanisms, in a manner that allows the device to systematically arrange and execute multiple command requests initiated from several computing devices. The hybrid cash recycler may require user authentication prior to completing cash handling services. Upon a successful authentication, requested cash handling services may be completed.Type: GrantFiled: December 22, 2015Date of Patent: November 12, 2019Assignee: JPMorgan Chase Bank, N.A.Inventors: Kailey Soprano-Joseph, Giancarlo Miranda, Jennifer Teitt, William Budde, Jordan Markward, Joseph Bradley Nolan, Michael A. Bradley
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Patent number: 10445733Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.Type: GrantFiled: August 6, 2018Date of Patent: October 15, 2019Assignee: Capital One Service, LLCInventors: David Wurmfeld, Tyler Locke, James Zarakas, Adam Koeppel
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Patent number: 10430779Abstract: The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device.Type: GrantFiled: April 7, 2015Date of Patent: October 1, 2019Assignee: Capital One Services LLCInventors: Mohammed Zafar Iqbal, Kevin Rosengren, Max Doerfler, Brian DeLuca, Anurag Joshi, James Dillon, Richie Hollins, Jamie Warder, William A. Hodges, Ken Allen
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Patent number: 10373252Abstract: Systems and methods for chart-based order entry are described. According to one example method a chart is used to display historical market data corresponding to a tradable object. An order entry interface is displayed in relation to the chart. The order entry interface includes a plurality of price objects for selecting price levels to be used for trade orders to buy or sell the tradable object. According to one example method, the price levels corresponding to the price objects depend on a location of the interface in relation to the chart, and as the interface is moved in relation to the chart, the price levels are automatically updated. Upon selection of the price level on the interface, a trade order to buy or sell is submitted to a matching engine at an electronic exchange.Type: GrantFiled: April 3, 2017Date of Patent: August 6, 2019Assignee: Trading Technologies International, Inc.Inventor: Eric W. Borts
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Systems and methods for dealing with online activity based on delivery of a television advertisement
Patent number: 10321198Abstract: In a computer-implemented method, a selected online advertisement is automatically directed to, or online activity is automatically tracked and recorded from, an online user interface device which corresponds, at the time the advertisement is directed or the activity is tracked, to a first online access identifier. The advertisement is directed or the activity is tracked based on information from a user profile that references or includes a first set-top box identifier. That information is derived at least in part from automatically collected data related to user behavior with respect to at least one television advertisement delivered to a set-top box, which set-top box corresponds, at the time of that user behavior, to the first set-top box identifier. The first online access identifier is associated with the first set-top box identifier, by being referenced or included in the user profile, by being associated in a database, or otherwise.Type: GrantFiled: November 25, 2013Date of Patent: June 11, 2019Assignee: INTENT IQ, LLCInventors: Roy Shkedi, Ronen Shlomo -
Patent number: 10304055Abstract: An embodiment of the invention extends to a device (which may be considered an asset that is purchased or which provides a service that may be purchased) that can be controlled through the use of a mobile communications apparatus such as a cellular phone. The cellular phone is connected to a transaction processing system that allows a user to pay for the use of the device. The transaction processing system communicates with the device to allow usage of the device only if the user has successfully paid for such use. A further embodiment of the invention relates to collecting usage information of the device and collating this information at a location remote from the device.Type: GrantFiled: January 3, 2017Date of Patent: May 28, 2019Assignee: M-Kopa IPR, LLCInventors: Jesse Keith Barton Moore, Nicholas Hughes
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Patent number: 10255637Abstract: A method and system for performing a cash value adjustment to an insurance policy issued by an insurer and owned by a policy owner, the method performed by a computer processing system. The method may include (1) inputting parameters of an insurance policy, the parameters including controlling parameters, and the controlling parameters including: (i) a constraint dictated parameter of the insurance policy; and (ii) a driven parameter of the insurance policy. The method may further include analyzing the relationship between the constraint dictated parameter and the driven parameter; and performing a re-underwriting of the insurance policy using the parameters of the insurance policy and a set of re-underwriting criteria. The method may further include generating re-underwritten policy data to constitute a re-underwritten policy. The method may include providing an annuity.Type: GrantFiled: December 16, 2013Date of Patent: April 9, 2019Assignee: Genworth Holdings, Inc.Inventors: Landis W. Atkinson, III, Kevin G. Smith, Geoffrey S. Stiff
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Patent number: 10223746Abstract: Certain implementations of the disclosed technology may include systems, methods, and apparatus for inferring the performance of rejected credit applicants using non-tradeline data. According to an example implementation, a method is provided for evaluating factors that may indicate financial distress and/or future credit performance associated with an applicant. In an example implementation, the method may include receiving applicant information associated with an applicant of a credit application. Responsive to a query, the method may include receiving by at least one processor, non-tradeline data related to the applicant. The method includes scoring, using a predictive scoring model, and based at least in part on the non-tradeline data, a prediction of the applicant's future credit performance. The method includes generating, based on the scoring, an estimated credit performance of the applicant over a predetermined period; and outputting an indication of the estimated credit performance.Type: GrantFiled: December 28, 2015Date of Patent: March 5, 2019Assignee: LexisNexis Risk Solutions FL Inc.Inventors: James Christiansen, Eric Graves, Lea Smith, Darrin Udean
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Patent number: 10185990Abstract: A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity. As an example, the modification of how the market update is provided to the client entity may include providing less data in relation to market updates, and sending the market updates less frequently.Type: GrantFiled: October 7, 2013Date of Patent: January 22, 2019Assignee: Trading Technologies International, Inc.Inventors: Stephen A. Schwarz, Michael J. Burns
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Patent number: 9947047Abstract: A system and method for an event driven virtual workspace are described. According to one example method, a trader can define a plurality of windows to be associated with a virtual workspace. Also, the trader could define one or more triggering events, the combination of which may be used to activate the virtual workspace. In such an embodiment, when the system detects the one or more triggers, the system can attempt to activate the virtual workspace. According to the example method, the trader may place a number of limiting conditions before any states of the currently displayed windows are modified such that the triggered virtual workspace could be displayed. If no limiting conditions are detected, the system can display the triggered virtual workspace.Type: GrantFiled: July 24, 2013Date of Patent: April 17, 2018Assignee: Trading Technologies International, Inc.Inventor: Robert A. West
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Patent number: 9792603Abstract: Systems and methods for completing a transaction using an applet associated with a companion applet on portable electronic device. A least a portion of information from a user profile is obtained by the companion applet from a secure element on the portable electronic device using an application programming interface (API). The portion of information is then passed to the mobile applet and used to populate the fields needed for the vendor or payment processor to complete the transaction, and the transaction is treated as a card-present transaction.Type: GrantFiled: February 4, 2013Date of Patent: October 17, 2017Assignee: SPRINT COMMUNICATIONS COMPANY L.P.Inventors: Michael A. Gailloux, Lauren R. King