Patents Examined by Kirsten S Apple
-
Patent number: 10282709Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.Type: GrantFiled: April 7, 2014Date of Patent: May 7, 2019Assignee: Visa International Service AssociationInventors: Gourab Basu, Steven Cracknell, Michael Mori
-
Patent number: 10262358Abstract: A computer-implemented method of maintaining continuity of transaction data associated with a merchant within a payment card network includes identifying new merchant IDs and associated new merchant information from a database, the new merchant IDs and associated new transactions generated after a predetermined timestamp; and identifying discontinued merchant IDs and associated discontinued merchant information from the database, the discontinued merchant IDs associated only with older transactions generated before the predetermined timestamp and thus appearing to have been discontinued after the predetermined timestamp.Type: GrantFiled: May 2, 2013Date of Patent: April 16, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Steve Oshry, Justin Xavier Howe
-
Patent number: 10255635Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.Type: GrantFiled: May 7, 2018Date of Patent: April 9, 2019Assignee: Winklevoss IP, LLCInventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
-
Patent number: 10255598Abstract: A credit account extraction system is configured to identify account information in credit data associated with a consumer and populate a digital wallet of the consumer with the identified financial card information. The financial card information may then be used by online retailers, for example, to expedite transaction completion.Type: GrantFiled: December 6, 2012Date of Patent: April 9, 2019Assignee: ConsumerInfo.com, Inc.Inventors: Michael John Dean, Mark Joseph Kapczynski
-
Patent number: 10248935Abstract: The disclosed technology includes a plurality of driverless mobile automated teller machines (ATMs), a communication interface configured to receive, from a user device, a request for a driverless mobile ATM to complete facilitate a transaction, a location processor configured to determine a first driverless mobile ATM of the plurality of driverless mobile ATMs that is closest to the user device, wherein the communication interface is further configured to transmit, to the first driverless mobile ATM, an alert including the request such that the first driverless mobile ATM can provide cash to a user associated with the user device or can receive cash or a check from the user, and a transaction processor of a backend system of the financial institution configured to process the transaction.Type: GrantFiled: September 23, 2015Date of Patent: April 2, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Brian DeLuca, Harish Chavan, Jamie Warder, Max Doerfler, III, William Grisaitis, Mayank Pande, Robert Kania
-
Patent number: 10223678Abstract: In one example embodiment, an end device includes a touch screen configured to: display a plurality of icons that are respectively associated with a plurality of asset transaction entities, and receive a touch input with respect to at least two icons among the plurality of icons; a processor configured to translate the touch input into an asset transaction request that initiates execution of an asset transaction between at least two asset transaction entities among the plurality of asset transaction entities; and a transmitter configured to transmit the asset transaction request to a service provider.Type: GrantFiled: July 30, 2013Date of Patent: March 5, 2019Assignee: KT CORPORATIONInventor: Jong-han Park
-
Patent number: 10217108Abstract: A system includes an information wallet account associated with a user of the system, and a server having a memory and a processor. The processor is configured to receive a request for information, wherein the requested information is associated with the user, and retrieve a stored portion of the requested information from the information wallet account. If a portion of the requested information is not found within the information wallet account, the processor is configured to send a request for a remaining portion of the requested information to a user computing device of the user. The processor is also configured to send the requested information to an entity computing system associated with the entity as part of a transaction between the user and the entity, receive feedback from the entity computing system based on the transaction, and send an alert to the user computing system based on the feedback.Type: GrantFiled: March 3, 2014Date of Patent: February 26, 2019Assignee: WELLS FARGO BANK, N.A.Inventor: Al Hecht
-
Patent number: 10198721Abstract: Embodiments include a database that maintains a respective status of mobile ATMs that indicates the location and cash available for withdrawal, a communication interface that receives a request for a mobile ATM from a user device, the request including user device location data, a location processor that compares the user device location data to location data of the mobile ATMs, and determines a first mobile ATM that is closest to the user device based on the user device location data, and a backend transaction processor that processes the transaction when confirmed. The communication interface transmits an alert that includes the request to the first mobile ATM, receives a response, transmits another alert that includes the location of the first mobile ATM and an estimated time that the first mobile ATM will arrive at the location associated to the user device, and receives confirmation from the first mobile ATM.Type: GrantFiled: September 15, 2015Date of Patent: February 5, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Brian DeLuca, Harish Chavan, Jamie Warder, Max Doerfler, William Grisaitis, Mayank Pande
-
Patent number: 10198730Abstract: A non-transitory computer-readable medium stores instructions causing a processor to authorize a second party to use a financial account card. The instructions comprise instructions to receive, from a first wireless device associated with a first party, a selection of a financial account card from a user input device of the first wireless device; assign, to the selected financial account card, an identity of a second party that is authorized to use the selected financial account card; receive, from a second wireless device, a request to authorize a transaction using the selected financial account card; receive an indicator of an identity of a user of the second wireless device; and authorize the transaction, based on the received indicator, when the identity of the user of the second wireless device is the authorized second party.Type: GrantFiled: January 10, 2018Date of Patent: February 5, 2019Assignee: Capital One Services, LLCInventor: Gregory M. Gannon
-
Patent number: 10198773Abstract: In an approach to cooperative evidence gathering, a first computing device receives a request for data corresponding to an event, where a second computing device detecting the event initiates the request for data. The first computing device aggregates data from one or more sensors, the one or more sensors associated with one or more first computing devices within a proximity of a location of the event. The first computing device determines whether at least a portion of the aggregated data is applicable to the event.Type: GrantFiled: September 11, 2015Date of Patent: February 5, 2019Assignee: International Business Machines CorporationInventors: Justin G. Manweiler, Jan S. Rellermeyer, Eric J. Rozner, James Xenidis
-
Patent number: 10185955Abstract: An example device may include a plurality of card slots configured to hold at least two transaction cards, each card slot, of the plurality of card slots, including a card reader, one or more memories; and one or more processors, communicatively coupled to the one or more memories, to receive transaction information associated with a transaction at a transaction terminal; identify business information associated with the transaction; select a transaction card from the at least two transaction cards based on the transaction information and the business information; and provide a transaction token, associated with the selected transaction card, to be used in connection with the transaction terminal to process the transaction.Type: GrantFiled: January 10, 2018Date of Patent: January 22, 2019Assignee: Capital One Services, LLCInventors: Adam Koeppel, James Zarakas
-
Patent number: 10181155Abstract: An evaluation device according to the present application includes an acquisition unit and an evaluation unit. The acquisition unit acquires information related to an enterprise among information which is based on user behavior on a communication network. The evaluation unit evaluates credit of the enterprise based on the information acquired by the acquisition unit. For example, the acquisition unit acquires, as the information which is based on user behavior on the communication network, information transmitted from a user in utilization of a service which is provided by various websites and which is related to the enterprise.Type: GrantFiled: September 11, 2015Date of Patent: January 15, 2019Assignee: YAHOO JAPAN CORPORATIONInventor: Toru Takata
-
Patent number: 10163108Abstract: Embodiments of the present invention provide systems and methods for generating policy-based transaction alerts. In accordance with the systems and methods, an alert generation engine transparently detects ongoing transactions without participating in the transaction path, and generates policy-based alerts.Type: GrantFiled: February 28, 2013Date of Patent: December 25, 2018Assignee: Ondot Systems, Inc.Inventors: Vaduvur Bharghavan, Jari Malinen, Rahul Paul, Ramachandran Minakshi Sundaram
-
Patent number: 10152748Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.Type: GrantFiled: September 14, 2012Date of Patent: December 11, 2018Assignee: Federal Home Loan Mortgage CorporationInventors: Menner Tatang, J. Douglas Gordon, Ming Xiong, Shaojie Chen
-
Patent number: 10145684Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.Type: GrantFiled: September 18, 2015Date of Patent: December 4, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Nathan L. Tofte, Timothy W. Ryan, Nathan W. Baumann, Michael Shawn Jacob, Joshua David Lillie, Brian N. Harvey, Roxane Lyons, Rosemarie Geier Grant
-
Patent number: 10127551Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.Type: GrantFiled: September 11, 2015Date of Patent: November 13, 2018Assignee: Bank of America CorporationInventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
-
Patent number: 10127532Abstract: Disclosed is a technology for customizing the flow of a payment transaction at a payer's mobile device, based on parameters associated with a payee to which the payer is making the payment. The payee can be an individual person or a specific business entity (e.g., restaurant, political cause, professional service, etc.). The transaction flow technology involves communication between a mobile application installed on the mobile device and a remote payment service system (PSS). A list of potential payees can be displayed for selection by the payer at the mobile application. The payees can be nearby payees identified by using, e.g., BLE, Bluetooth®, Wi-Fi®, geofence, etc. Upon selection of a particular payee by the payer, the PSS identifies one or more parameters of that payee, e.g., payee type, and generates a transaction flow to guide the payer through a payment transaction with the selected payee based on those parameters.Type: GrantFiled: August 19, 2015Date of Patent: November 13, 2018Assignee: Square, Inc.Inventor: Brian Grassadonia
-
Patent number: 10121202Abstract: An automated system allows users to request one or more insurance quotes through a self-service and/or agent-service communication channel. The system includes an interface that may receive user data from a remote or local system or application. A front-end application or system selectively passes a user's data to a record keeping system. A quote server or a quote processor generates one or more insurance quotes that are customized to the user's price and/or coverage preferences. A recommendation engine recommends one or more insurance coverages based on the information known about that user and in some instances, based on information known about others. The recommendation engine may call attention to selected insurance coverages that do not include a coverage feature or match a recommended coverage level.Type: GrantFiled: September 17, 2013Date of Patent: November 6, 2018Assignee: Progressive Casualty Insurance CompanyInventors: Wendy Courtney Garcia, Elke Marie Blankenship, Charles Allen Kordes, Michael Vincent Esposito, Raymond Scott Ling
-
Patent number: 10102524Abstract: An illustrative apparatus includes a memory, a processor coupled to the memory, and a first set of instructions stored on the memory that can be executed by the processor. The processor is configured to determine authentication data, where the authentication data comprises an indication that a first functionality of a second set of instructions can be controlled and where the second set of instructions is separate from the first set of instructions. The processor is further configured to send to a user interface, an indication of the first functionality. The processor is further configured to receive, through the user interface, a request to control the first functionality of a second set of instructions that is separate from the first set of instructions. The processor is further configured to send an order to control the first functionality of the second set of instructions.Type: GrantFiled: June 3, 2016Date of Patent: October 16, 2018Assignee: U.S. BANCORP, NATIONAL ASSOCIATIONInventors: Rajesh Vridhachalam, Jason A. Witty
-
Patent number: 10102575Abstract: The system and methods for securities claims identification, optimization and recovery are disclosed herein. The disclosed system can maximizes returns on assets that are the securities claims arising from alleged fraud in the purchase or sale of securities in a securities portfolio. In one embodiment, the disclosed system monitors portfolio using analytics tools to identify asynchronous activity or movements in portfolio securities, performs loss and damages valuation analysis, open arms-length communications with securities litigation plaintiffs' bar and/or litigation funders, publishes relevant information to investors, provides analysis and information for merit analysis, counsel selection and/or litigation monitoring and performs risk mitigation analysis to identify securities claims and optimize recovery of revenue associated with the securities claims.Type: GrantFiled: June 24, 2014Date of Patent: October 16, 2018Assignee: Dividex Analytics, LLCInventor: Irwin Schwartz