Patents Examined by Lalita M. Hamilton
  • Patent number: 10325317
    Abstract: The invention relates to a system and method for providing a latency floor for an electronic trading venue in which market participants who can respond within the value the floor and choose to compete in a specific race to make or take a price may each have a substantially equal chance of winning that race. The system may detect and distinguish individual “races” that occur on an electronic trading venue. Upon detection of the first order (or message) in such a race, the system may create a batch and a timer for that race. As orders pertaining to that race are received, they are added to its batch. Upon the timer reaching a predetermined value, typically the value of the floor, the race is determined to have ended and the orders are drained from the batch for processing (e.g., against the instrument's central limit order book (CLOB)).
    Type: Grant
    Filed: November 5, 2014
    Date of Patent: June 18, 2019
    Assignee: Refinitiv US Organization LLC
    Inventor: Hayden Paul Melton
  • Patent number: 10325321
    Abstract: A system and method for providing commoditized insurance products to at least one consumer is disclosed. The system includes a commoditized insurance product including an activation code and an insurance company that underwrites the commoditized insurance product and provides the commoditized insurance product to a retail outlet. Based on consumer purchase of the commoditized product at the retail outlet and initiation of an activation process, the insurance company receives an activation code associated with the commoditized insurance product and provides verification queries to the consumer, and based on positive responses to the queries activates the policy providing the selected insurance coverage for the consumer.
    Type: Grant
    Filed: April 23, 2018
    Date of Patent: June 18, 2019
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Ian J. Czaja, Wayne K. Whiten
  • Patent number: 10319034
    Abstract: A graphical interface and method are provided for displaying market information corresponding to a tradable object. One graphical interface includes a chart region for displaying historical market data in relation to a first value axis, and a market grid region in alignment with the chart region. The market grid region comprises a plurality of areas for receiving commands from a user input device to send trade orders, and the areas are displayed in relation to a second value axis. A plurality of values displayed along the second value axis is a subset of values displayed in relation to the first value axis, and can be modified to a new plurality of values that corresponds to a new subset of values on the first value axis.
    Type: Grant
    Filed: June 26, 2018
    Date of Patent: June 11, 2019
    Assignee: Trading Technologies International, Inc.
    Inventors: Scott F. Singer, Michael J. Burns, Stephen P. Decker
  • Patent number: 10304141
    Abstract: A method or system may comprise generating a plurality of routes to a destination of a vehicle. Traversal, by the vehicle, of a route may be determined by a telematics device. The telematics vehicle may be configured to monitor a location of the vehicle and motion of the vehicle. The telematics device may be configured to generate data associated with the traversal of the route, the location of the vehicle, or the motion of the vehicle. Driving behavior of the vehicle may be determined, based at least on the data. A rating associated with the vehicle or the traversal of the route may be determined, based at least on the driving behavior. A risk score may be determined for the route. The rating may be determined, based at least on the risk score. The rating may be determined, based at least on the driving behavior.
    Type: Grant
    Filed: August 4, 2017
    Date of Patent: May 28, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jodi Jean Healy, Keith Rodgers, Rod Gonzales, Robert Kenneth Dohner, Christine Marie Brown, Reynaldo Medina
  • Patent number: 10296978
    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 be used to identify abnormal operating conditions in a first home. Based on the identified abnormal operating conditions a root cause of the abnormal operating conditions may be determined. A message may be transmitted to at least one additional home. The message may include the root cause of the abnormal operating conditions occurring in the first home. The message may be used to alert other homes to current conditions so that they can take preventive action. The data may also be used to determine an insurance rate or premium for participating homes.
    Type: Grant
    Filed: May 8, 2015
    Date of Patent: May 21, 2019
    Assignee: Allstate Insurance Company
    Inventors: Bryan Keith Corder, Robert H. Johnson, Regina Madigan, Carolyn Parker, Rothana Srey, Nicholas A. Suizzo, Sean P. Willett, Nan Zhang
  • Patent number: 10290002
    Abstract: A device may obtain historical refund data, the historical refund data including at least one of: merchant refund time data, shipping time data, or user account refund time data. The device may generate, based on the historical refund data, a refund model, the refund model being trained to receive, as input, at least one of: merchant data identifying a merchant, shipping data identifying a shipping entity, or account data identifying a user account entity. The device may receive return data indicating that a user account is to be credited, the return data including the merchant data. The device may determine a predicted refund time based on the return data and the refund model, and perform an action based on the predicted refund time.
    Type: Grant
    Filed: July 19, 2018
    Date of Patent: May 14, 2019
    Assignee: Capital One Services, LLC
    Inventors: Sarah J. Cunningham, Gaurang Bhatt, Sophie Bermudez
  • Patent number: 10275778
    Abstract: In various embodiments, systems, methods, and techniques are disclosed for generating a collection of clusters of related data from a seed to assist in detection of financial malfeasance. Seeds may be generated based on seed generation strategies or rules. Clusters may be generated by, for example, retrieving a seed, adding the seed to a first cluster, retrieving a clustering strategy or rules, and adding related data (such as trades, emails or chat messages) and/or data entities to the cluster based on the clustering strategy. Various cluster scores may be generated based on attributes of data in a given cluster, and the clusters may be displayed and ranked based on their scores. Various embodiments may enable an analyst to review clusters of trades, emails and/or chat messages that are the most likely to reveal financial malfeasance.
    Type: Grant
    Filed: December 30, 2015
    Date of Patent: April 30, 2019
    Assignee: Palantir Technologies Inc.
    Inventors: Peter Maag, Tom O'Brien, Phil Cross, Sarun Peter Tosirisuk
  • Patent number: 10275757
    Abstract: A user can set up a travel account with a payment provider, to inform the payment provider of expected dates and locations of travel, along with limits or restrictions at the various locations and/or dates. When the user travels and attempts to make a payment, the payment provider can determine the location and date to aid in processing the payment request, resulting in an easier process for the user, while still providing additional security with the limits and restrictions.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: April 30, 2019
    Assignee: PAYPAL, INC.
    Inventor: Willis Lee
  • Patent number: 10262375
    Abstract: Techniques for providing information related to insurance services solicit interaction from a user (e.g., during video game play). The solicited interaction identifies a real property. A virtual environment gaming landscape is generated. The gaming landscape includes a virtual representation of the identified real property. Additional interaction from the user with the virtual environment gaming landscape is solicited. A risk assessment related to the identified real property is performed based on user's interaction with the virtual environment gaming landscape. A recommendation regarding one or more services is provided based on the performed risk assessment.
    Type: Grant
    Filed: July 13, 2016
    Date of Patent: April 16, 2019
    Assignee: United Services Automobile Association (“USAA”)
    Inventor: Christopher Howard
  • Patent number: 10262376
    Abstract: The present disclosure generally relates to systems and methods for automatically updating data representative of insurance related information. In particular, the present disclosure relates to systems and methods for automatically updating data representative of insurance related information based on data, representative of desired updates, entered by a customer and data representative of update rules. The data representative of desired updates may be compared to the data representative of the update rules to generate updates to data representative of insurance related information.
    Type: Grant
    Filed: June 13, 2017
    Date of Patent: April 16, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Dean Justin Widener, David Kuriyan Schuster
  • Patent number: 10264014
    Abstract: In various embodiments, systems, methods, and techniques are disclosed for generating a collection of clusters of related data from a seed. Seeds may be generated based on seed generation strategies or rules. Clusters may be generated by, for example, retrieving a seed, adding the seed to a first cluster, retrieving a clustering strategy or rules, and adding related data and/or data entities to the cluster based on the clustering strategy. Various cluster scores may be generated based on attributes of data in a given cluster. Further, cluster metascores may be generated based on various cluster scores associated with a cluster. Clusters may be ranked based on cluster metascores. Various embodiments may enable an analyst to discover various insights related to data clusters, and may be applicable to various tasks including, for example, tax fraud detection, beaconing malware detection, malware user-agent detection, and/or activity trend detection, among various others.
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: April 16, 2019
    Assignee: PALANTIR TECHNOLOGIES INC.
    Inventors: Geoff Stowe, Harkirat Singh, Stefan Bach, Matthew Sprague, Michael Kross, Adam Borochoff, Parvathy Menon, Michael Harris
  • Patent number: 10255589
    Abstract: Access controls for transferring funds from a customer to a designated recipient using a transaction machine and a one-time account and/or an authentication process that does not involve the use of a transaction card are disclosed. An example method (and system) can include storing identification data associated with a one-time account or transfer for the designated recipient of the one-time account; receiving authentication data from the transaction machine; determining that the user corresponds to the designated recipient using the received authentication data and the stored identification data; and executing the selected transaction after the determination.
    Type: Grant
    Filed: October 23, 2015
    Date of Patent: April 9, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Vincent Petruzzi, Andrew G. Foote, David Hatch
  • Patent number: 10242350
    Abstract: Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. The payment service provider device will pay for each of a first in-application purchase associated with the first platform application and a second in-application purchase associated with the second platform application using the payment account.
    Type: Grant
    Filed: December 29, 2017
    Date of Patent: March 26, 2019
    Assignee: PAYPAL, INC.
    Inventor: Lucy Ma Zhao
  • Patent number: 10235704
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: December 30, 2013
    Date of Patent: March 19, 2019
    Assignee: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Patent number: 10229395
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia. Subsequently, utilizing the resolved indicia, the system may determine a value for the exception identified based on the retrieved historical transaction data. Finally, the determined value may be stored with the negotiable instrument to complete the payment reconciliation process.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: March 12, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser
  • Patent number: 10230840
    Abstract: A method of using a system processing phone call routing, the method including: automatically capturing, by a computer system, call data for each of a plurality of phone calls utilizing a toll free number and routed as referrals to a service, which engages accounting software to automatically track compensation for the referrals by generating an association of the captured phone call data for each of the referrals with compensation for connecting the referrals so as to distinguish the service from phone call referral data and compensation for a plurality of other services receiving other referrals, the engaging initiating digital reporting, via an Internet address, which includes generating, from the association, call referral information related to the service and said compensation for the referrals to the service.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: March 12, 2019
    Inventor: Peter K. Trzyna
  • Patent number: 10217165
    Abstract: Methods and systems for an exchange to handle variable derivative product order prices are disclosed. The price of a derivative product order (bid or offer) is updated based on changes in the price of a related underlying product. Price determination variable(s), such as delta and gamma, are used to determine the price of the order. The exchange may periodically recalculate the price without requiring the trader to transmit additional information to the exchange.
    Type: Grant
    Filed: January 22, 2018
    Date of Patent: February 26, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Scott Johnston, John Falck, Charlie Troxel, Jr., James W. Farrell, Agnes Shanthi Thiruthuvadoss, Arjuna Ariathurai, David Salvadori
  • Patent number: 10217124
    Abstract: Provided is a system for facilitating a transaction between at least one merchant and at least one consumer. The system includes at least one transaction portal located in a network environment, where the at least one transaction portal associated with at least one consumer affinity. The consumer affinity is an entity, a cause, an affiliation, an organization, a concept, a benefit, an association and/or a sponsor or any combination thereof. The system further includes a communication system for facilitating the transmission of data between the transaction portal, the at least one merchant, the at least one consumer, an entity associated with the consumer affinity or any combination thereof. Also provided is a matching system, a method for facilitating a transaction between at least one merchant and at least one consumer and a method for facilitating a credit-based transaction between at least one merchant and at least one consumer.
    Type: Grant
    Filed: February 27, 2017
    Date of Patent: February 26, 2019
    Assignee: PAYPAL, INC.
    Inventor: Thomas H. Keithley
  • Patent number: 10216801
    Abstract: Techniques are disclosed for for prioritizing a plurality of clusters. Prioritizing clusters may generally include identifying a scoring strategy for prioritizing the plurality of clusters. Each cluster is generated from a seed and stores a collection of data retrieved using the seed. For each cluster, elements of the collection of data stored by the cluster are evaluated according to the scoring strategy and a score is assigned to the cluster based on the evaluation. The clusters may be ranked according to the respective scores assigned to the plurality of clusters. The collection of data stored by each cluster may include financial data evaluated by the scoring strategy for a risk of fraud. The score assigned to each cluster may correspond to an amount at risk.
    Type: Grant
    Filed: August 5, 2015
    Date of Patent: February 26, 2019
    Assignee: PALANTIR TECHNOLOGIES INC.
    Inventors: Matthew Sprague, Michael Kross, Adam Borochoff, Parvathy Menon, Michael Harris
  • Patent number: 10210510
    Abstract: Identity certificates such as SSL certificates can be issued in such a way that their use can be disabled upon short notice. In one embodiment, private signing information associated with a certificate is used by an infrastructure service on behalf of an entity, without making the private signing information accessible to the entity. In another embodiment, short-term certificates are dynamically issued to an application based on a previous certificate authorization.
    Type: Grant
    Filed: August 31, 2017
    Date of Patent: February 19, 2019
    Assignee: Amazon Technologies, Inc.
    Inventor: Eric J. Brandwine