Patents Examined by Lindsay M. Maguire
  • Patent number: 10692145
    Abstract: System and methods for pre-marshalling messages in an electronic trading environment are provided. Specifically, pre-marshalling messages allows for client and network devices to create messages in response to a defined first condition. Pre-marshalling messages allows a trading system to do more processing up front before the message is needed and when a second condition is satisfied. Thus, when the message is needed no further or very little processing must be performed to generate and send the message. The client and/or network device may allocate a separate, unused, or under-utilized processing thread to the task of creating pre-marshalled messages. Pre-marshalled messages may be stored in memory at the network device until it is determined that the second condition has been satisfied. Once a pre-marshalled message is sent, the unused pre-marshalled messages that were stored in memory may be deleted or may be overwritten with newly pre-marshalled messages.
    Type: Grant
    Filed: May 20, 2019
    Date of Patent: June 23, 2020
    Assignee: Trading Technologies International, Inc.
    Inventors: Stephen A. Schwarz, Peter A. Levenberg, John Arvanites
  • Patent number: 10685401
    Abstract: Aspects of the invention are directed to methods and systems for efficiently communicating data between an insurer and a non-referral repair shop, e.g., vehicle repair shops that are normally not preapproved by the insurer to perform the estimating and repair work. The methods and systems described herein are particularly useful for insurers utilizing non-referral repair shops for servicing vehicles involved in insurance claims. According to aspects of this invention, the insured may be able to select a non-referral repair shop, not delegated or preapproved by the insurer, thereby generally allowing the insured to select any available vehicle repair shop.
    Type: Grant
    Filed: May 23, 2014
    Date of Patent: June 16, 2020
    Inventors: Randall Martin Hanson, James A. Ledder, Charles Ronald O'Halloran
  • Patent number: 10643283
    Abstract: A system may be configured to initiate a presentation of a user interface to the user; receive, via the user interface, a user selection of a life event; initiate a presentation of an event information user interface to the user; receive, via the event information user interface, life event information associated with the life event selected by the user; retrieve information associated with the life event selected by the user from substantially similar life events; calculate, in real-time, a life event score associated with the life event selected by the user, wherein the life event score is calculated based on at least a retirement score, the received life event information and the information retrieved from the substantially similar life events; and illustrate, via a retirement score interface in a user device, the retirement score and an impact of the at least one life event selected by the user.
    Type: Grant
    Filed: February 1, 2019
    Date of Patent: May 5, 2020
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10636025
    Abstract: A method, system, and apparatus for facilitating a payment transaction is disclosed. A server receives an event-setup request from an event organizer to set up an event-based payment session to obtain payments for one or more attendees of a subsequent event. In response to receiving the event set-up request: the server sets up the event-based payment session in accordance with the event-setup request; and provides a payment invitation corresponding to the payment session to each of one or more invitees of the subsequent event in accordance with the event-setup request. The server then receives from at least a first invitee of the one or more invitees, a conditional acceptance to the payment invitation, the acceptance being conditioned on one or more predefined criteria.
    Type: Grant
    Filed: January 11, 2016
    Date of Patent: April 28, 2020
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Yumiao Zhang
  • Patent number: 10559037
    Abstract: A system and method may automatically create auto insurance policy quotes using data obtained by processing an image of a vehicle information sticker. An image of a vehicle information sticker may be received and analyzed using optical character recognition or some other method. The data acquired from the image can be used to identify a particular vehicle, and retrieve data corresponding to the particular vehicle. The customer data, vehicle data, and other data can be used to calculate an insurance policy quote. The created quotes can then be presented to a user for purchase.
    Type: Grant
    Filed: October 10, 2014
    Date of Patent: February 11, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John Howard Mendenhall, David Bruce Hutchison
  • Patent number: 10515368
    Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.
    Type: Grant
    Filed: September 25, 2014
    Date of Patent: December 24, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Al Hecht, Ann Kirk, Michael Miller, Karen Moore, Melanie Gipe
  • Patent number: 10489798
    Abstract: An insurance lead marketplace may include an insurance lead marketplace computing device that includes a non-transitory memory device and/or a processor. The non-transitory memory device may be configured for storing one or more rules for qualifying and/or categorizing insurance leads based on at least one insurance characteristic. The processor may be configured to provide insurance leads that were received from an insurance lead source to a requesting agent, to determine a quality associated with and/or categorize each insurance lead based on one or more characteristics of the received insurance leads, to present the insurance leads to an insurance agent based on one or more selected lead characteristics and/or lead tiers, and/or to determine information associated with an actual quality of each insurance lead based upon feedback received from the agent and revise rules for qualifying and/or categorizing the insurance leads using the actual quality of the insurance leads.
    Type: Grant
    Filed: August 12, 2014
    Date of Patent: November 26, 2019
    Assignee: Allstate Insurance Company
    Inventor: Mark Madeyski
  • Patent number: 10453136
    Abstract: Described is a method for updating a first computer memory of a first transaction engine that processes transactions of a first topic and a second computer memory of a second transaction engine that processes transactions of a second topic different from the first topic but the transactions involving or updating a common factor. After the first transaction engine processes the transaction, it notifies a separate process affiliated or associated with each of the remaining transaction engines of the execution of the transaction. Each such associated process updates a local shared memory that it shares with the respective transaction engine. A memory master may also be notified of the transactions and their completion and the memory master may maintain state information. In a stock market or other electronically-implemented exchange or bourse context, the transactions may be orders for matching engines in an order book.
    Type: Grant
    Filed: May 25, 2016
    Date of Patent: October 22, 2019
    Assignee: STREAMINGEDGE INC.
    Inventors: Jacques Agop Manukyan, Wilson Ejike Nweke
  • Patent number: 10430876
    Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device, extracting one or more features from the image, based on the extracted features and using a machine learning algorithm, identifying one or more attributes of the vehicle, based on the identified attributes of the vehicle, determining a make and a model of the vehicle, obtaining comparison information based at least in part on the determined make and model, estimating a quote for the vehicle based on the comparison information; and transmitting the estimated quote for display on the client device.
    Type: Grant
    Filed: March 8, 2018
    Date of Patent: October 1, 2019
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Sunil Subrahmanyam Vasisht, Stephen Michael Wylie, Geoffrey Dagley, Micah Price, Jason Richard Hoover
  • Patent number: 10417709
    Abstract: Systems and methods are disclosed which match or otherwise allocate an incoming transaction with previously received but not yet fully satisfied transactions counter thereto as well as to mitigation of disparities in latencies between the client devices of the market participants and the electronic data transaction processing system which may result in disparities in the time of receipt of competing transactions. The disclosed embodiments may mitigate such disparities by buffering or otherwise grouping temporally proximate competing transactions together upon receipt, e.g. into a group, collection, set, bucket, etc.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: September 17, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Bernard Hosman, Sean Castette, Fred Malabre, Pearce Peck-Walden, Ari Studnitzer
  • Patent number: 10409448
    Abstract: Multi-dimensional temporal data can provide insight into patterns, trends and correlations. Traditional 2D-charts are widely used to support domain analysts' work, but are limited to present large-scale complicated data intuitively and do not allow further exploration to gain insight. A visual analytics system and method which supports interactive analysis of multi-dimensional temporal data, incorporating the idea of a novel visualization method is provided. The system extends the ability of mapping techniques by visualizing domain data based on a 3D geometry enhanced by color, motion and sound. It allows a compact universal overview of large-scale data and drilling down for further exploration. By customizable visualization, it can be adapted to different data models and applied to multiple domains. It helps analysts interact directly with large-scale data, gain insight into the data, and make better decisions.
    Type: Grant
    Filed: February 13, 2018
    Date of Patent: September 10, 2019
    Assignee: State Street Corporation
    Inventor: Albert J. Cristoforo
  • Patent number: 10402798
    Abstract: Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be 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. 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: April 13, 2018
    Date of Patent: September 3, 2019
    Assignee: SQUARE, INC.
    Inventors: Ajit Kalidindi Varma, Jesse Reiss
  • Patent number: 10395313
    Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device; extracting one or more features from the image; based on the extracted features and using a machine learning algorithm, determining a make and a model of the vehicle; obtaining user information relating to a financing request for the vehicle; determining a real-time quote for the vehicle based on the make, the model, and the user information; and transmitting the real-time quote for display on the client device.
    Type: Grant
    Filed: March 8, 2018
    Date of Patent: August 27, 2019
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Sunil Subrahmanyam Vasisht, Stephen Michael Wylie, Geoffrey Dagley, Micah Price, Jason Richard Hoover, Sanjiv Yajnik, Raman Bajaj, Arjun Dugal
  • Patent number: 10373247
    Abstract: Based at least in part on an optimization goal determined for a storage group comprising a plurality of data stores for which writes requests are coordinated by a log-based transaction manager, one or more lifecycle transitions are identified for data objects stored in a first data store. In accordance with a first lifecycle transition, a data object is to be transferred from the first data store to a second data store based at least in part on a duration for which the data object has been resident at the first data store. A transition agent is assigned by a configuration manager to implement the first lifecycle transition.
    Type: Grant
    Filed: September 19, 2014
    Date of Patent: August 6, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Allan Henry Vermeulen, Omer Ahmed Zaki
  • Patent number: 10354329
    Abstract: Embodiments include a system providing sensor feedback for property condition monitoring, including: a plurality of sensors disposed in a roof structure of a property; the plurality of sensors providing output indicative of ice formation associated with the roof structure; a hub device that receives output from the plurality of sensors, the hub device detecting at least one sensor output indicative of ice formation and providing a notification regarding the ice formation; a computing device of an insurance carrier that receives the notification, the computing device updating a status of the property in an insurance carrier database in response to the notification; and a communication link between the plurality of sensors, the hub device and the computing device of an insurance carrier. Other aspects are described and claimed.
    Type: Grant
    Filed: August 6, 2014
    Date of Patent: July 16, 2019
    Assignee: Hartford Fire Insurance Company
    Inventor: Richard P. Gillespie
  • Patent number: 10346909
    Abstract: System and methods for pre-marshalling messages in an electronic trading environment are provided. Specifically, pre-marshalling messages allows for client and network devices to create messages in response to a defined first condition. Pre-marshalling messages allows a trading system to do more processing up front before the message is needed and when a second condition is satisfied. Thus, when the message is needed no further or very little processing must be performed to generate and send the message. The client and/or network device may allocate a separate, unused, or under-utilized processing thread to the task of creating pre-marshalled messages. Pre-marshalled messages may be stored in memory at the network device until it is determined that the second condition has been satisfied. Once a pre-marshalled message is sent, the unused pre-marshalled messages that were stored in memory may be deleted or may be overwritten with newly pre-marshalled messages.
    Type: Grant
    Filed: January 16, 2014
    Date of Patent: July 9, 2019
    Assignee: Trading Technologies International, Inc.
    Inventors: Stephen A. Schwarz, Peter A. Levenberg, John Arvanites
  • Patent number: 10325315
    Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: determining a location of the client device; receiving an image of a vehicle from the client device; matching, using a machine learning algorithm, the image to one or more images of vehicles in a database, the database listing vehicles located at the determined location and including images of the vehicles; retrieving vehicle information from the database based on the matched one or more images in the database; obtaining user information relating to a financing request for the vehicle; determining a real-time quote for the vehicle based on the vehicle information and user information; and transmitting the real-time quote for display on the client device.
    Type: Grant
    Filed: March 8, 2018
    Date of Patent: June 18, 2019
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Sunil Subrahmanyam Vasisht, Stephen Michael Wylie, Geoffrey Dagley, Micah Price, Jason Richard Hoover, Sanjiv Yajnik, Raman Bajaj, Arjun Dugal
  • Patent number: 10319007
    Abstract: A method for processing an image including a vehicle using machine learning can include determining a location of the client device. The method can further include receiving a first image of a vehicle from an image sensor of the client device and matching, using machine learning, the first image to one or more images of vehicles in a vehicle database to identify the vehicle. The vehicle database can list vehicles located at the determined location of the client device and images of the vehicles. The method can include retrieving vehicle information from the vehicle database, based on the identified vehicle, and obtaining comparison information based at least in part on the vehicle information. The method can include estimating a quote for the vehicle based on the comparison information and transmitting the estimated quote for display on the client device.
    Type: Grant
    Filed: March 8, 2018
    Date of Patent: June 11, 2019
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Sunil Subrahmanyam Vasisht, Stephen Michael Wylie, Geoffrey Dagley, Micah Price, Jason Richard Hoover
  • Patent number: 10311515
    Abstract: A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may selectively disclose to, or withhold from, trade participants order book data depending on whether each participant's trade order meets a predetermined threshold price and/or threshold size or other criteria.
    Type: Grant
    Filed: September 17, 2014
    Date of Patent: June 4, 2019
    Assignee: IEX GROUP, INC.
    Inventors: Bradley Katsuyama, Daniel Aisen
  • Patent number: 10296982
    Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.
    Type: Grant
    Filed: September 15, 2016
    Date of Patent: May 21, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Michael L. Bernico, Jeffrey Myers