Patents Examined by Kito R Robinson
  • Patent number: 10146760
    Abstract: Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.
    Type: Grant
    Filed: August 20, 2015
    Date of Patent: December 4, 2018
    Assignee: THE WESTERN UNION COMPANY
    Inventors: Evans Mehew, Scott Paintin, Dianna Lyons, Julene M. Robbins
  • Patent number: 10127541
    Abstract: Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.
    Type: Grant
    Filed: October 7, 2014
    Date of Patent: November 13, 2018
    Assignee: Transaction Wireless, Inc.
    Inventor: Basil Munir Abifaker
  • Patent number: 10127615
    Abstract: A system and method are provided for intentionally delaying an execution of an executable instruction by determining if a current executable instruction is received from a predefined source for which all executable instructions are to be intentionally delayed. When so, the system sets a sequence time associated with the instruction equal to a receipt time plus a delay time. The system saves the instruction in an intentional delay queue for future execution. When the current executable instruction is received from a source that is not the predefined source, the system determines if a condition for immediate processing of the current executable instruction is present. When so, the system executes the instruction immediately. Otherwise, it performs an intentional delay determination that determines whether the current executable instruction has been intentionally delayed. When the current executable instruction has been intentionally delayed, the system executes the instruction immediately.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: November 13, 2018
    Assignee: Chicago Stock Exchange, Inc.
    Inventor: Steven I. Givot
  • Patent number: 10074130
    Abstract: A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, the computing platform may determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution.
    Type: Grant
    Filed: July 10, 2014
    Date of Patent: September 11, 2018
    Assignee: Bank of America Corporation
    Inventor: Carrie Anne Hanson
  • Patent number: 10068294
    Abstract: A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranch
    Type: Grant
    Filed: May 2, 2014
    Date of Patent: September 4, 2018
    Assignee: Island Intellectual Property LLC
    Inventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
  • Patent number: 10068288
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: September 4, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay Pober
  • Patent number: 10062115
    Abstract: A variety of embodiments for hardware-accelerating the processing of financial market depth data are disclosed. A coprocessor, which may be resident in a ticker plant, can be configured to update order books based on financial market depth data at extremely low latency. Such a coprocessor can also be configured to enrich a stream of limit order events pertaining to financial instruments with data from a plurality of updated order books.
    Type: Grant
    Filed: June 26, 2014
    Date of Patent: August 28, 2018
    Assignee: IP Reservoir, LLC
    Inventors: David E. Taylor, Scott Parsons, Jeremy Walter Whatley, Richard Bradley, Kwame Gyang, Michael DeWulf
  • Patent number: 10049359
    Abstract: An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.
    Type: Grant
    Filed: February 9, 2015
    Date of Patent: August 14, 2018
    Assignee: CheckFree Corporation
    Inventors: Paul J. Lyda, Brett V. Borger, James Patrick McCabe, Roy Alan Southard, Hans D. Dreyer
  • Patent number: 10043184
    Abstract: A system or method is provided to facilitate a payment transaction by utilizing facial recognition to identify the payee of the payment transaction. In particular, the system may remember a particular list of individuals to which a user has been or are frequently making payments. The facial profiles of the individuals in the particular list may be stored and referenced for identification. When the user is ready to transfer money to any of the frequent payees, the user may use any of the payee's pictures locally, anywhere on social platforms, or just by clicking the person. After the image is selected for payment, the system may analyze the image to match the image with existing face profiles of respective frequent payees. Once the payee is identified, the system may process the payment to the identified payee.
    Type: Grant
    Filed: May 30, 2014
    Date of Patent: August 7, 2018
    Assignee: PAYPAL, INC.
    Inventors: Priyanshu Agarwal, Prasanna Annamalai
  • Patent number: 10037125
    Abstract: A system and method are provided for a context menu pop-up interface. In one embodiment, the context menu interface may be activated in relation to a second interface, and may include a plurality of selection areas organized around a central selection area. In a preferred embodiment, the sizes of each of the plurality of selection areas increase as a distance to each selection area increases from the central selection area, and the sizes are selected such that the plurality of selection areas can be selected in approximately the same time.
    Type: Grant
    Filed: March 12, 2014
    Date of Patent: July 31, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 10032223
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: July 24, 2018
    Assignee: Bank of America Corporation
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson
  • Patent number: 10032170
    Abstract: System, method, and computer program product to implement four factor authentication rule-based intelligent bank cards, by receiving valid authentication information for a card associated with an account, verifying that a captured image of a person presenting the card matches an image of an authorized user of the account, analyzing the captured image to detect an emotion of the person, and performing a predefined operation to control access to the account upon determining that the detected emotion satisfies an emotion rule associated with the account.
    Type: Grant
    Filed: December 12, 2014
    Date of Patent: July 24, 2018
    Assignee: International Business Machines Corporation
    Inventors: Susan F. Crowell, Jason A. Nikolai, Andrew T. Thorstensen
  • Patent number: 10032229
    Abstract: Disclosed are various embodiments for employing spillover tables that may improve the performance of data store updates. In some embodiments, transaction data that specifies a value by which to adjust a field in a data table is received. The field in the data table is associated with a predefined constraint. An attempt to obtain an exclusive lock for at least a portion of the data table is initiated. Whether the value has a potential to cause the predefined constraint to remain satisfied is identified. The transaction data is stored in a spillover table in response to a failure to obtain the exclusive lock and in further response to the value having the potential to cause the predefined constraint to remain satisfied.
    Type: Grant
    Filed: February 3, 2014
    Date of Patent: July 24, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Qiang Yu, David C. Jernberg, Joseph E. Magerramov
  • Patent number: 10032171
    Abstract: Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key; through an interrogation with a point-of-sale that behaves according to the direction of a card specification; wherein the card specification expects the mobile device to create a cryptogram that is calculated, at least in part, using the permanent cryptographic key and, at least in part, from unpredictable data delivered from the point-of-sale to the mobile device during the interrogation.
    Type: Grant
    Filed: August 30, 2012
    Date of Patent: July 24, 2018
    Assignee: SimplyTapp, Inc.
    Inventor: Douglas C. Yeager
  • Patent number: 10002347
    Abstract: Aspects of the present invention relate to systems and methods for design and use of web-based applications for account management. Some aspects relate to design tools that enable the use of a virtual agent or avatar as part of an account collection or management web application. Some aspects relate to applications, utilities and tools for node-based web resource design.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: June 19, 2018
    Assignees: THE INTERPOSE CORPORATION, BEGUIDED, INC.
    Inventors: Matthew D. Hill, Scott L. McGrew, Casey F. Uhrig, Greg W. Johnson, Kyle J. Nelson, Thomas F. Gillespie
  • Patent number: 9996837
    Abstract: Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.
    Type: Grant
    Filed: June 8, 2015
    Date of Patent: June 12, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Cory Siddens, Craig O'Connell, Scott Boding
  • Patent number: 9978030
    Abstract: This invention relates to a drone based predictive system for detecting and analyzing web and drone based data in order to mitigate potential losses and enhance risk mitigation activities in commercial insurance such as for business owners policies and workers compensation. The drone is able to capture from a plurality of angles and perspectives to provide data to effect a variety of insurance based actions.
    Type: Grant
    Filed: June 11, 2014
    Date of Patent: May 22, 2018
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventor: Ben J. Lim
  • Patent number: 9965805
    Abstract: 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 redeemed 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 redeem a quantity of shares, electronically transmitting a quantity of digital math-based assets from one or more origin digital asset accounts to one or more destination digital asset accounts associated with the authorized participant, and canceling the quantity of shares from the authorized participant.
    Type: Grant
    Filed: December 19, 2017
    Date of Patent: May 8, 2018
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 9965804
    Abstract: 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: Grant
    Filed: December 19, 2017
    Date of Patent: May 8, 2018
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 9953314
    Abstract: A system, method, and computer-readable storage medium for enabling an individual to use a purchase-proxy mechanism to conduct a financial transaction from a computing device with an online merchant, whereby the individual is enabled to use stored personal data, such as financial account information and fulfillment information, without having to store the personal data with the online merchant. The system, method, and computer-readable storage medium furthermore enable an individual to change a payment and/or fulfillment option at the time of purchase with minimal inconvenience.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: April 24, 2018
    Assignee: SHOPSAVVY., INC.
    Inventors: Abiel Jaquez, Alexander Muse, John Boyd, Matthew Weathers, Scott Gordon Roberts, Kevin Henry Clark, Rylan Barnes