Patents Examined by Lindsay M. Maguire
  • Patent number: 10115164
    Abstract: The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.
    Type: Grant
    Filed: October 6, 2014
    Date of Patent: October 30, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Todd Binion, Andrea Lee Rhoades
  • Patent number: 10102515
    Abstract: A method for data integration in a unified platform includes a processing server that is configured to store account profiles for unified transaction and membership accounts, receive authentication requests from multiple entities, receive a transaction message for a payment transaction from another entity, identify an account profile associated with the authentication requests and payment transaction, process the payment transaction, perform authentication for each of the authentication requests, and electronically transmit results of the transaction processing and authentication to the appropriate entities, such that the processing server provides for a unified platform where data is integrated and used at a plurality of different merchants for a plurality of different services for consumer and merchant convenience.
    Type: Grant
    Filed: July 17, 2015
    Date of Patent: October 16, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Joost Vastenavondt, Benjamin Dessy, Davide Messina
  • Patent number: 10102579
    Abstract: The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system. The data transaction processing system being a system in which data items, such as financial contracts, e.g. futures contracts, are transacted or otherwise traded by a hardware matching processor that attempts to match electronic data transaction request messages with electronic data transaction request messages counter thereto for the same one of the data items based on multiple transaction parameters. A selected value is temporarily buffered allowing the represented value to update wherein a subsequently generated transaction may be based on the buffered value rather than an updated value.
    Type: Grant
    Filed: July 16, 2015
    Date of Patent: October 16, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Nicholas Bandy, Matthew Morano
  • Patent number: 10055787
    Abstract: Systems and methods for linking orders in electronic trading systems are provided. These systems and methods enable a trader to select two or more items that are to be linked and specify linking parameters for those items. Any desired set of items may be linked, and the linking parameters may include price adjustments, order sequencing instructions, automatic/manual execution controls, execution delays commands, and update frequency limits. Upon detecting a bid or offer for a linked item, the systems and methods may then determine a size and a price for each linked item based upon the size and the price of the bid or offer for the first linked item. In this way, the sizes and the prices for the other linked items may be propagated from the size and the price for the first item. Once the size and the price for each item is determined, the systems and methods may submit orders for the items in accordance with the linking parameters.
    Type: Grant
    Filed: October 21, 2010
    Date of Patent: August 21, 2018
    Assignee: BGC PARTNERS, INC.
    Inventors: Robert J. Woodmansey, Philip N. Ginsberg, Glenn D. Kirwin
  • Patent number: 10049406
    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 create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10049348
    Abstract: A computer implemented method of performing a transaction using a payment account, typically handled by a payment account manager (PAM), comprises the steps of: receiving a first message from a top up terminal indicating that funds have been transferred to the payment account; setting or adjusting a funds limit of the payment account based on information in the first message; receiving an authorization or pre-authorization request from a first terminal and commencing a funds aggregation; receiving a second message indicating a pre-defined amount of funds which may be used in the transaction; blocking an amount of the funds limit of the payment account equivalent to the pre-defined amount; and sending an authorization response to the first terminal.
    Type: Grant
    Filed: September 25, 2014
    Date of Patent: August 14, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: James Noe, Michael J. Cowen, Jason Field, Sagitha George, David A. Roberts
  • Patent number: 10037350
    Abstract: Systems, methods, and computer program products are provided for creating and using a common, generic, data/object model to represent information grids or lookup tables, such as a mortgage asset pricing information grid, mortgage asset re-pricing grid, and credit risk pricing grid. The common model allows a common software representation for logically different attributes.
    Type: Grant
    Filed: November 9, 2012
    Date of Patent: July 31, 2018
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Mark E. Seal, James Quartey, Suresh S. Kalkavery
  • Patent number: 10026083
    Abstract: Methods, computer program products, and systems for tabs for a venue. A customer device can create a tab including a list of one or more goods or services to purchase. The customer device can associate the tab with a venue where multiple kiosks of a merchant or multiple merchants are located. The customer device can be carried to a first kiosk, or first merchant, to purchase a first item, and then to a second kiosk, or second merchant, to purchase a second item. The tab can remain open for as long as the customer device is located within the venue. The open tab allows a user to purchase multiple items at various locations and pay for all the items purchased in a single payment. The customer device can close the tab upon receiving a user request or upon detecting that the customer device leaves the venue.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: July 17, 2018
    Assignee: SQUARE, INC.
    Inventors: Ajit Kalidindi Varma, Jesse Reiss
  • Patent number: 9959529
    Abstract: A customer device generates an order for purchasing one or more goods or services from a merchant. A list of the purchased items is stored in a data structure designated as a tab. The list is routed to a merchant device. The customer device is carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list of purchased items. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: May 1, 2018
    Assignee: Square, Inc.
    Inventors: Ajit Kalidindi Varma, Jesse Reiss
  • Patent number: 9953294
    Abstract: The embodiments provide a system for linking an application with an in-memory database system for enabling an in-memory-enabled transactional application. The system includes an in-memory transactional processor configured to receive contextual data related to an instantiation of a first business transaction of the application and instantiate at least one second business transaction of the application during a course of processing the first business transaction. The in-memory transactional processor is configured to store results of at least one process step of the at least one second business transaction during the course of processing the first business transaction in an in-memory database, evaluate, at a decision point within the first business transaction, a plurality of alternative process steps, during runtime, and determine a subsequent process step from the plurality of alternative process steps based on the contextual data and captured information stored in the in-memory database.
    Type: Grant
    Filed: October 15, 2012
    Date of Patent: April 24, 2018
    Assignee: SAP SE
    Inventors: Jochen Mayerle, Clemens Jacob
  • Patent number: 9946995
    Abstract: A system and method is presented for receiving required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to accept an element of clearing information. The clearing information fields of the form are dynamically updated based on clearing information rules. The clearing information rules define a relationship between at least one of the clearing information fields and the clearing information received from the user. The dynamically updated form is provided to the user to input further clearing information.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: April 17, 2018
    Assignee: BOTTOMLINE TECHNOLOGIES (DE) INC.
    Inventors: Nicole Pierrette Dwyer, Nicholas Anthony Griffin, Michael Alan Vigue, Eric Campbell
  • Patent number: 9928506
    Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: March 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Aparna Krishnan Girish
  • Patent number: 9898735
    Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.
    Type: Grant
    Filed: April 26, 2016
    Date of Patent: February 20, 2018
    Assignee: Visa International Service Association
    Inventor: Aparna Krishnan Girish
  • Patent number: 9881260
    Abstract: Embodiments of a transit ticket system are provided. The transit ticket system may include a mobile computing device configured to (i) download a mobile ticketing application from a ticket management server, the mobile ticketing application including a graphical data sheet, a ticket dictionary, and ticket strings, (ii) receive ticket rendering instructions from the ticket management server in response to completion of a ticket purchase process via the mobile computing device, and (iii) render for display an active ticket on the mobile computing device with data stored on the mobile computing device based on the ticket rendering instructions, the graphical data sheet, ticket dictionary, and ticket strings in response to an activation input command.
    Type: Grant
    Filed: October 3, 2013
    Date of Patent: January 30, 2018
    Assignee: moovel North America, LLC
    Inventors: Nathaniel Parker, Michael Lewis Gray, Matthew Skip Rotter, Issac Elliott, Zachery Babb, Kurt Griffith, Alex Peter, Scott Schauss
  • Patent number: 9858623
    Abstract: Generating a quote for a policy is disclosed. An indication of an insurance policy to be quoted is received. An appropriate composite ratebook to apply to the insurance policy to be quoted is determined. The composite ratebook has been previously configured to be associated with a particular set of one or more configuration parameters, one or more rate routines, and one or more rate tables. A rate routine associated with the determined composite ratebook is applied to a coverage in the policy to be quoted.
    Type: Grant
    Filed: January 11, 2016
    Date of Patent: January 2, 2018
    Assignee: Guidewire Software, Inc.
    Inventors: Gaurav Marwaha, Richard Ian Berlin, Douglas E. McCreary, Marilyn Joyce Schneider Hollinger
  • Patent number: 9842336
    Abstract: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.
    Type: Grant
    Filed: December 29, 2014
    Date of Patent: December 12, 2017
    Assignee: VISA International Service Association
    Inventors: Frederick Liu, Nancy Hilgers, Mark Nelsen, Kevin Siegel, Christopher Brown, Thomas Dwyer
  • Patent number: 9818104
    Abstract: Embodiments relate generally to systems and methods for enabling and/or completing secure online credit card transactions. Transactions may involve the use of mobile devices wherein credit card information may be stored on the mobile device. The credit card information may be accessed and used to generate proxy credit card information, wherein the proxy information may be communicated during a transaction. The proxy credit card information may be generated by an application on the mobile device and may be communicated to and/or generated by the issuer/network of the original credit card.
    Type: Grant
    Filed: January 25, 2013
    Date of Patent: November 14, 2017
    Assignee: SPRINT COMMUNICATIONS COMPANY L.P.
    Inventors: Robin Dale Katzer, Hemant V. Tiwari
  • Patent number: 9805366
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for associating payment information from a payment transaction with a user account. One of the methods includes receiving an indication of a payment transaction between a customer and a merchant, wherein the payment transaction is associated with payment information. A customer parameter that identifies an account with the payment service system is received. If the customer has consented to associate the payment information with the account of the payment service system based on receiving the customer parameter that identifies the account with the payment service system, the account is identified based on the received customer parameter, and the payment information is associated with the identified account of the payment service system.
    Type: Grant
    Filed: September 16, 2013
    Date of Patent: October 31, 2017
    Assignee: Square, Inc.
    Inventors: Matthew Wilson, William Henderson
  • Patent number: 9805362
    Abstract: An instant disposable payment card can have a quick response (QR) code. The QR code can be scanned by the user. Scanning the QR code can facilitate activation and/or funding of the instant disposable payment card and/or can facilitate a creation of an account or an activation of a pre-created account at a payment system provider. The user can then use the instant payment card to pay for purchases. A merchant can scan the QR code or swipe a magnetic strip of the instant disposable payment card to effect payment to the merchant for the purchase. An account of the instant disposable payment card can be funded after use thereof to make a purchase.
    Type: Grant
    Filed: March 21, 2016
    Date of Patent: October 31, 2017
    Assignee: PAYPAL, INC.
    Inventors: Egor Kobylkin, Robin Schuil
  • Patent number: 9799015
    Abstract: A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants.
    Type: Grant
    Filed: March 12, 2013
    Date of Patent: October 24, 2017
    Assignee: Ford Global Technologies, LLC
    Inventors: John Matthew Ginder, Yimin Liu, Oleg Yurievitch Gusikhin, Perry Robinson MacNeille, Paul Duncan McCarthy