Patents Examined by Kito R Robinson
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Patent number: 11995720Abstract: 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: January 29, 2021Date of Patent: May 28, 2024Assignee: Gemini IP, LLCInventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
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Patent number: 11989730Abstract: The present invention provides a virtual code-based transaction system, method and program, wherein the method includes a virtual code reception step in which a virtual code verification means receives a virtual code, and the virtual code is generated by a virtual code generation function included in a virtual code generation means, searching, by the virtual code verification means, for a storage location of a User Identification (UID) in the virtual code, searching, by the virtual code verification means, for control command information stored by matching the searched UID, and performing a control command based on the extracted control command information, wherein the virtual code verification means stores a plurality of UIDs and changes control command information matched to each of the plurality of UIDs every preset period.Type: GrantFiled: February 24, 2022Date of Patent: May 21, 2024Assignee: SSENSTONE INC.Inventor: Chang Hun Yoo
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Patent number: 11989775Abstract: A computer-implemented method includes providing certified financial data indicating financial risk about an individual. The method includes electronically collecting financial account data about the individual from at least one financial source. The method includes transforming the financial account data into a desired format. The method includes validating the financial account data by applying an algorithm engine to the financial account data to identify exceptions, wherein the exceptions indicate incorrect data or financial risk. The method includes marking the exceptions as valid exceptions when output of the algorithm engine validates the exceptions. The method includes confirming the exceptions by collecting additional data and applying the algorithm engine to the additional data.Type: GrantFiled: September 7, 2020Date of Patent: May 21, 2024Assignee: Formfree Holdings CorporationInventor: Brent A. Chandler
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Patent number: 11983782Abstract: The present disclosure provides a method, a device, a storage medium and a program product for carbon trading.Type: GrantFiled: June 27, 2019Date of Patent: May 14, 2024Assignee: VECHAIN GLOBAL TECHNOLOGY SARLInventors: Xinli Tian, Jianliang Gu
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Patent number: 11978064Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.Type: GrantFiled: May 16, 2022Date of Patent: May 7, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Timothy Kramme, Elizabeth A. Flowers, Reena Batra, Miriam Valero, Puneit Dua, Shanna L. Phillips, Russell Ruestman, Bradley A. Craig
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Patent number: 11972401Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system; receiving an identification of the payee; receiving an identification of a data collision regarding information associated with the payee and another user; prompting the user to verify that the information regarding the identification of the payee is correct; receiving an indication from a user; sending an instruction that facilitates identification of the payee by resolving the data collision by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that a fund transfer corresponding to the fund transfer request has been completed; and providing a message indicating that the fund transfer has been completed.Type: GrantFiled: April 25, 2023Date of Patent: April 30, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Alan W. Hecht, Azita Asefi, Ann M. Kirk
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Patent number: 11972418Abstract: A mobile device configured for currency exchange enables a user to cause funds in a first pre-established account and denominated in a first currency to be sent to a first transaction machine to purchase funds denominated in a second currency. The mobile device electronically receives second account information after a second account is created, with the second account being created responsive to completion of the first transaction. The created second account includes the purchased funds denominated in the second currency. Accordingly, the user is enabled, subsequent to the first transaction, to select a second account module in the mobile device that has since been configured with the received second account information of the created second account. The user can thereafter cause the mobile device to send that second account information to a second, different transaction machine to perform at least a second transaction in the second currency. Other aspects are disclosed.Type: GrantFiled: May 11, 2023Date of Patent: April 30, 2024Assignee: Eurocan RoyalInventor: Mehdi M. Rohani
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Patent number: 11966905Abstract: An improved savings education and management system includes a base unit including a processor, non-transitory computer-readable memory, a display, and buttons, wherein the base unit includes a housing which presents an appearance of an egg. A mobile unit includes a processor, non-transitory computer-readable memory, and a display. A computer server includes a processor and non-transitory computer-readable server memory storing a database including a user account, the user account having financial accounts and corresponding to the base unit and the mobile unit. The base unit includes instructions stored in the memory that present on the display information related to the user account which corresponds to the one of the buttons. The mobile unit includes mobile instructions stored in the memory that transmit an instruction to the computer server to debit one of the financial accounts.Type: GrantFiled: October 30, 2021Date of Patent: April 23, 2024Inventors: Nicolle S Hood, Annamarie Shoen
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Patent number: 11966906Abstract: A transfer platform can allow users to participate in campaigns based on one or more types of user activity data and corresponding activity values set by the users. The transfer platform can receive the user activity data from one or more sources, such as user devices and data source platforms. Based on received user activity data, and corresponding activity values, the transfer platform can determine transfer amounts to be transferred from one or more source accounts to one or more destination accounts. Accordingly, the transfer platform can implement transfers based on user activity data that indicates user engagement in one or more activity types.Type: GrantFiled: February 9, 2022Date of Patent: April 23, 2024Inventor: Joel Millar
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Patent number: 11961139Abstract: Geographical mapping and linking of security and risk indicator data. Cross-references are created between location indicators and geo-spatial areas based on a statistical algorithm, in accordance with geo-spatial data. The cross-references are stored in a first data table. A credit risk indicator (CRI) is generated for each geo-spatial area based on other data, forming CRI data that is stored in second data table. A security associated with one of the location indicators is identified among security data. A first link is created between the security and a geo-spatial area based on the cross-references in the first data table. Based on the first link, a second link is created between an indicator among the CRI data in the second data table and the security. The second link is used to form instrument-level data for the security that includes the indicator. The instrument-level data is stored in a third data table.Type: GrantFiled: November 3, 2023Date of Patent: April 16, 2024Assignee: Intercontinental Exchange Holdings, Inc.Inventors: Richard Jones, Vincent Procacci, Spencer Gallagher, Caroline Tom, Ralph Harary
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Patent number: 11954984Abstract: A cassette for receiving and dispensing bills is disclosed. The cassette includes a sensor structured to detect a location of the cassette, and memory having stored thereon instructions that, when executed by one or more processors, cause the one or more processors to transmit the location of the cassette to a remote computing device, determine that the location of the cassette has changed, and generate an indication that the location of the cassette has changed.Type: GrantFiled: April 3, 2023Date of Patent: April 9, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis E Montenegro
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Patent number: 11935369Abstract: A computing system includes at least one processing circuit configured to receive first data from each cassette of a plurality of cassettes, determine, based on the first data, (i) a first location of a first cassette of the plurality of cassettes, (ii) that a fill level of the first cassette does not satisfy a threshold, and (iii) a first denomination of bills contained within the first cassette, identify a second cassette of the plurality of cassettes for replacing the first cassette based on the first location and the first denomination such that the second cassette is configured to receive and dispense bills of a similar denomination to the first cassette, and transmit a notification to a remote computing device, the notification indicating that the fill level of the first cassette does not satisfy the threshold and identifying the second cassette.Type: GrantFiled: April 3, 2023Date of Patent: March 19, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Christian Mande, Darren Goetz, Frank Digangi, Dennis E Montenegro
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Patent number: 11935031Abstract: A method is disclosed. The method comprises receiving, in an interaction by a switch computer from a second device, data associated with a machine readable code generated by a first application on a first device and provided by a first device to a second application on the second device. The method also includes determining, by the switch computer, a first server computer associated with a first application, transmitting the data associated with the machine readable code and the interaction data to the first server computer, which processes the data associated with the machine readable code and the interaction data, determining, by the switch computer, a second server computer associated with the second application, and transmitting, by the switch computer, a communication to the second server computer. The communication informs the second server computer that the first server computer processed the data associated with the machine readable code and the interaction data.Type: GrantFiled: August 24, 2021Date of Patent: March 19, 2024Assignee: Visa International Service AssociationInventors: Sirajuddin Nazir, Yuexi Chen
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Patent number: 11935044Abstract: The virtual code-based financial transaction providing method according to an embodiment of the inventive concept includes a step S200 for receiving a virtual code provided by a virtual code generation means, by a virtual code verification means, a step S400 for extracting multiple detailed codes included in the virtual code by the virtual code verification means, a step S1000 for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual code verification means, and a step S1200 for performing a financial transaction or for making a request for performing a financial transaction with the actual card number extracted from the storage location.Type: GrantFiled: October 21, 2019Date of Patent: March 19, 2024Assignee: SSenStone Inc.Inventor: Chang Hun Yoo
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Patent number: 11928732Abstract: Methods for computer generation of graphical user interfaces are disclosed. The interfaces may provide representations of electronic order book data, including prospective orders and the impact of the prospective orders on the order book. Generating the graphical user interfaces can comprise calculating cumulative digital asset purchase order volumes and cumulative digital asset sell order volumes that are available in the order book at each order price. Graphical representations of a prospective order and a post-order order book may be generated and overlaid on the current order book graphical representation.Type: GrantFiled: September 23, 2021Date of Patent: March 12, 2024Assignee: Gemini IP, LLCInventors: Marcus Skala, Eric Neiman Winer, Cameron Howard Winklevoss, Tyler Howard Winklevoss
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Patent number: 11917323Abstract: Real-time metadata tracks recorded to media streams allow search and analysis operations in a variety of contexts. Search queries can be performed using information in real-time metadata tracks such as closed captioning, sub-title, statistical tracks, miscellaneous data tracks. Media streams can also be augmented with additional tracks. The metadata tracks not only allow efficient searching and indexing, but also allow insertion of content specific advertising during appropriate portions of a media stream based on the content of the metadata tracks.Type: GrantFiled: April 1, 2019Date of Patent: February 27, 2024Assignee: TiVo CorporationInventor: Todd Stiers
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Patent number: 11907946Abstract: An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.Type: GrantFiled: January 10, 2023Date of Patent: February 20, 2024Inventor: Michael Sasha John
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Patent number: 11908015Abstract: Various embodiments disclosed herein relate to order entry. In the electronic trading process, order entry involves setting one or more order entry parameters, sending one or more order entry parameters, or both setting and sending one or more order entry parameters. As will be described in more detail below, various order entry actions, such as moving a cursor across an order entry line, moving a cursor into an order entry region, pressing an order entry button, or performing a gesture, may be used to trigger the setting, sending, or both setting and sending of one or more order entry parameters. At least some embodiments relate to enabling an order entry action before the order entry action is able to set, send, or both set and send one or more order entry parameters.Type: GrantFiled: July 11, 2022Date of Patent: February 20, 2024Assignee: Trading Technologies International, Inc.Inventor: Brian J. Buck
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Patent number: 11900459Abstract: A method for performing an auction implemented via an exchange computer system includes receiving, from a user device, a security transaction order, receiving a first matching order, initiating a delay timer that runs for a first period of time, initiating an auction timer that runs for a second period of time, determining that the first period of time has expired, notifying a plurality of market participants of an auction, receiving, during the second period of time, one or more additional matching orders, wherein each of the one or more additional matching orders includes a request for participation in the auction, determining that the second period of time has expired, and facilitating a transaction based on the security transaction order.Type: GrantFiled: January 30, 2023Date of Patent: February 13, 2024Assignee: Cboe Exchange, Inc.Inventors: Adam Inzirillo, William Ciabattoni
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Patent number: 11893569Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.Type: GrantFiled: October 31, 2021Date of Patent: February 6, 2024Assignee: PayPal, Inc.Inventors: Prashant Jamkhedkar, Patrick Babcock, Anant Ganapathy, Haoyu Xue, Jie Leng, Amarnath Kulkarni