Patents Examined by Martin A. Gottschalk
  • Patent number: 10977639
    Abstract: Systems and methods disclosed herein relate to reducing the losses associated with processing payments using credit card payment processing gateways. Payment processing gateways have different deposit success rates due to the gateways' varying arrangements with acquiring banks and the ability to process certain types of payments. A payment request related to a user may be received, wherein the request specifies a particular type of credit card, a transaction currency, and an amount. A payment application then routes, via a payment agent, the payment request to an adaptive gateway switching system (AGSS) in an attempt to complete a payment transaction. If in learning mode, the AGSS may randomly choose a payment processing gateway. Or the AGSS may choose the gateway based upon a learned gateway status based upon results learned through reinforcement learning. Upon receiving the result of a transaction attempt from the gateway, the agent reports the result to the AGSS.
    Type: Grant
    Filed: June 3, 2016
    Date of Patent: April 13, 2021
    Assignee: FREELANCER TECHNOLOGY PTY LIMITED
    Inventors: Amir Massoudi, Jun Yao, Joseph Noel, Conrad Marco Egamino Olega, Darren Nicholas John Williams, Muhammad Umer Farooq
  • Patent number: 10949844
    Abstract: Mobile payments and processing data related to electronic transactions. A near field communication connection is established between a mobile communication device of a consumer that serves as a mobile wallet and an electronic payment device of a merchant. Authorization data is shared between the mobile communication device and the electronic payment device without providing electronic payment instrument (e.g. credit card) data to the merchant. Authorization data is transmitted from the mobile communication device to a cloud computer or resource that serves as a cloud wallet and hosts respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device a payment processor computer. The payment processor computer presents the authorization data to the cloud wallet, and in response, the cloud wallet transmits the credit card data to the payment processor computer, which processes the transaction.
    Type: Grant
    Filed: May 9, 2011
    Date of Patent: March 16, 2021
    Assignee: INTUIT INC.
    Inventors: Trevor D. Dryer, Eran Arbel, Alexander S. Ran, Ajay Tripathi, Douglas Lethin, Bennett R. Blank, Eugene Krivopaltsev
  • Patent number: 10692139
    Abstract: In different embodiments of the present invention, systems, methods, and computer-readable storage media related to an application for a credit card for a target customer. A credit card application is prepared based on information associated with the target customer. If the credit card application is denied, then either (1) a request for reconsideration or (2) an override is prepared based on an established purchasing power indicator associated with the customer.
    Type: Grant
    Filed: January 30, 2015
    Date of Patent: June 23, 2020
    Assignee: WALMART APOLLO, LLC
    Inventors: Fei Xiao, David Bash, Yannis Pavlidis
  • Patent number: 10636084
    Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.
    Type: Grant
    Filed: October 3, 2005
    Date of Patent: April 28, 2020
    Assignee: CITICORP CREDIT SERVICES, INC. (USA)
    Inventors: Michael Grandcolas, John Riblett, Ted Krawiec, Albert Cohen, Sam Shahdousti, Naresh Vyas, Mike Mast, Simon Khilkevich, Gene Stolarov, Irina Koryakovtseva, Grigor Markarian, Jeremy Dimond, Avinash Kharul, Amit Chitnis, Ravin Vernekar, Dilip Parekh, Mark Bitter, Farah Khalili, Teresa Petach, Chris Kowalski, Rajashree Karwa
  • Patent number: 10504185
    Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.
    Type: Grant
    Filed: September 8, 2008
    Date of Patent: December 10, 2019
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventor: Andre Rene Buentello
  • Patent number: 10423940
    Abstract: A session to enroll customers to make payments has two stages, a first stage completed on the telephone or on a merchant or debt collector website, and a second stage completed via a communications link such as a telephone or Internet link. The customer enrollment record is linked to financial account information received from the customer in the second stage and stored on a second, secure server. A token linked to the securely stored financial account information is returned to the merchant and then used by the merchant to initiate payments on that financial account. The merchant's personnel and customer record system do not store or have access to the underlying financial account information.
    Type: Grant
    Filed: January 17, 2017
    Date of Patent: September 24, 2019
    Assignee: Autoscribe Corporation
    Inventors: Robert E. Pollin, Brian E. Downey, Jr., Sean A. Fleming
  • Patent number: 10387853
    Abstract: Strategies, tools and techniques for establishing purchase cards for customers of a financial institution are provided. A primary purchase card can be established for a customer in association with at least one account of the financial institution. Also, at least one secondary purchase card can be established for the customer in addition to the primary purchase card. The secondary purchase card can be linked to the primary purchase card and to at least one of the same accounts associated with the primary purchase card. Customer configuration of various rules for the secondary purchase card can be facilitated, such as rules that govern purchase limits, activation parameters, deactivation parameters, and/or automatic replenishment schedules for the secondary purchase card.
    Type: Grant
    Filed: January 19, 2010
    Date of Patent: August 20, 2019
    Assignee: The PNC Financial Services Group, Inc.
    Inventors: Michael Scott Ley, Christine Johns, Bryan L. Mackrell, Michael Aaron Chapman, Hyun Jin Ko
  • Patent number: 10346823
    Abstract: Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts.
    Type: Grant
    Filed: August 12, 2011
    Date of Patent: July 9, 2019
    Assignee: CITIBANK, N.A.
    Inventors: Gary Greenwald, Dickson Chu
  • Patent number: 10296977
    Abstract: A computer-implemented method provides information about a financed, leased or insured vehicle having an onboard wireless-enabled usage reporting device for computing a risk associated with a financing, leasing or insurance obligation. The method entails receiving data from a remote computer to set parameters to be used by the device installed in the vehicle to measure real-time vehicle usage, computing on the device a confidence score based on the parameters and storing the confidence score in the device, the confidence score being indicative of a risk associated with the financing, leasing or insurance obligation of the vehicle, transferring the confidence score or information relating to the confidence score from the device to the remote computer in response to a command from the remote computer or automatically based on a predefined criterion, and displaying the confidence score to indicate the risk associated with the financing, leasing or insurance obligation.
    Type: Grant
    Filed: January 17, 2012
    Date of Patent: May 21, 2019
    Assignee: IMETRIK TECHNOLOGIES INC.
    Inventor: Guy Chevrette
  • Patent number: 10282709
    Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
    Type: Grant
    Filed: April 7, 2014
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Steven Cracknell, Michael Mori
  • Patent number: 10147081
    Abstract: The present invention relates to a method and system of providing content, particularly, a method and system of selling additional extension data with charge without changing already-stored execution file. The present invention relates to a game content server comprising a game content list providing module, a package list generating module, a compiling module, an application transmitting module, a resource transmitting module and a billing module, and after providing the game content comprising a game execution file and an item file, it is possible to add or change extension data (item file) without changing the game execution file additionally. Also, it is possible to charge the addition or change of extension data of the game content.
    Type: Grant
    Filed: May 8, 2007
    Date of Patent: December 4, 2018
    Assignee: KT CORPORATION
    Inventors: Sung-Woo Kim, Gap-Chun Back, Kyoung-Yong Min, Bong-Goon Kwak, Hyung-Sik Kim, Hee-Yun Hong
  • Patent number: 10002384
    Abstract: A system, method, and card are disclosed for operating in conjunction with a financial account in order to automatically convey information to an account holder by directing the information to the card associated with the financial account. The card may include a display. The system may include an event detection module for detecting an event related to the financial account, a message selection component for selecting an account-related message corresponding to the event detected by the detection module, and a message generation module for generating the account-related message and transmitting the account-related message to the card associated with the financial account. The card conveys the account-related message on the display and may prompt the user to contact a card issuer.
    Type: Grant
    Filed: December 20, 2007
    Date of Patent: June 19, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Marc J. Fink, Robert Birnbaum, Matthew John McGough
  • Patent number: 9576279
    Abstract: A session to enroll customers to make payments has two stages, a first stage completed on the telephone or on a merchant or debt collector website, and a second stage completed via a communications link such as a telephone or Internet link. The customer enrollment record is linked to financial account information received from the customer in the second stage and stored on a second, secure server. A token linked to the securely stored financial account information is returned to the merchant and then used by the merchant to initiate payments on that financial account. The merchant's personnel and customer record system do not store or have access to the underlying financial account information.
    Type: Grant
    Filed: November 16, 2012
    Date of Patent: February 21, 2017
    Assignee: AUTOSCRIBE CORPORATION
    Inventors: Robert Evan Pollin, Brian Edward Downey, Jr., Sean Allen Fleming
  • Patent number: 8788378
    Abstract: An integrated medical database system for the emergency medical transportation business. The system includes a dispatch and demographic module, a clinical module, an administration module and a billing module. Each module may communicate data with one or more of the other modules to form a system incorporating data sharing, thus achieving an end-to-end automation of emergency medical care accounting. Internal consistency checks are performed by the system to ensure that proper treatments are performed according to a chosen diagnosis. The system includes a billing modifier module operating on data from the dispatch and demographic module. In one embodiment, the billing modifier module applies Geographic Practice Cost Index (GPCI) and Metropolitan Statistical Area (MSA) billing modifiers based on modifiable computerized rules so as to provide a more accurate charge to the payer. The results of the billing modifier module are forwarded to the billing module.
    Type: Grant
    Filed: June 19, 2007
    Date of Patent: July 22, 2014
    Assignee: Golden Hour Data Systems, Inc.
    Inventors: Kevin C. Hutton, Scott J. Jones
  • Patent number: 8620677
    Abstract: Medical and other research organizations, sites within those organizations, and physicians practicing at those sites register in an online database. The company providing the database posts a description of a clinical trial opportunity or other research opportunity. The company can search and match for physicians with research opportunities, or the physicians can browse the list of opportunities. Once it is determined who will perform the research and awarded a contract, performance data are collected at 30-day intervals over the life of the trial for computation of benchmarks. The benchmarks from one physician are compared anonymously to those from other physicians participating in the same opportunity.
    Type: Grant
    Filed: April 9, 2002
    Date of Patent: December 31, 2013
    Assignee: PCRS, Inc.
    Inventor: Tracy Harmon Blumenfeld
  • Patent number: 8560352
    Abstract: Partner protection insurance provides coverage for an innocent spouse in the event that a defendant has to pay damages uninsured by a liability insurance policy to a plaintiff due to a judgment in a lawsuit brought by the plaintiff against the defendant. The innocent partner is in a partnership with the defendant. Partner protection insurance covers the joint assets of the partnership that are assignable to the innocent partner in the event of the dissolution of said partnership. The partnership may be a marriage.
    Type: Grant
    Filed: April 30, 2010
    Date of Patent: October 15, 2013
    Assignee: Consilience Inc.
    Inventors: Cary B. Barr, Verona Barr
  • Patent number: 8543485
    Abstract: A system and method are provided to intelligently limit the frequency at which automated or semi-automated trading tools move or re-price orders in an exchange order book. A tolerance may be input that limits when one or more orders in the exchange order book are moved from one price to another. The system and method assist in reducing the number of orders that are entered into the system which can lead to reduced exchange transaction fees, lost queue position, and reduce network bandwidth consumption.
    Type: Grant
    Filed: May 3, 2006
    Date of Patent: September 24, 2013
    Assignee: Trading Technologies International, Inc.
    Inventors: Scott F. Singer, Steven J. Carroll, Michael J. Burns
  • Patent number: 8521646
    Abstract: A system makes payments from a payer to a vendor and assesses a variable transaction fee to the vendor. The system comprises a database which associates, for each of a community of payers, identification a rate tier assigned to each vendor to which the payer makes payment. A tier assignment application determines a tier to assign to a vendor by determining: i) an industry sensitivity score based on the type of business the vendor operates; ii) a payer centric spend score; iii) a payer centric frequency score; iv) a network spend score; and iv) a network frequency score. The tier assigned to the vendor is a function of these scores. A payment application, when making payment from the payer to the vendor, determines a transaction fee to apply to the payment by multiplying the payment amount by a transaction rate associated with the tier assigned to the vendor.
    Type: Grant
    Filed: August 9, 2011
    Date of Patent: August 27, 2013
    Assignee: Bottomline Technologies (de), Inc
    Inventors: Amy Beth Hoke, Christopher Curtis Martin, Claire Tierney Vadney
  • Patent number: 8463683
    Abstract: There is provided a data processing system and method for valuing a bundle of constructs that may individually fail, in case of a separation event causing the bundle of constructs to separate a failing construct from the bundle. A present value determination unit applies a predefined model to determine a present value of the bundle of constructs after having separated the failing construct from the bundle. Further, a static value determination unit determines a static value by reducing a static base number each time a separation event occurs. Furthermore, a calculation unit calculates a value of the bundle of constructs based on the determined present value and the determined static value. The calculation unit is adapted to calculate a sum of the determined present value and the determined static value. In an embodiment, the bundle of constructs is a basket of credit default swaps.
    Type: Grant
    Filed: November 18, 2004
    Date of Patent: June 11, 2013
    Assignee: Deutsche Boerse AG
    Inventor: Peter Kästel
  • Patent number: 8150706
    Abstract: A prescription refill system having Voice-over-IP (VoIP) capabilities is provided. A central station remote from a pharmacy is provided for receiving phone calls (e.g., PSTN or VoIP calls) relating to prescription information. The central station obtains the prescription information, and automatically dispatches same to a pharmacy for filling. The pharmacy can dial into the central station to receive prescription information, or the information can be periodically faxed, e-mailed, or sent via the Internet to the pharmacy. A computer at the pharmacy allows for information to be retrieved from the central station, including voice messages stored at the central station. Calls made to the pharmacy can be forwarded to the central station automatically. A caller calling the central station can be switched to a live operator at the pharmacy for additional assistance.
    Type: Grant
    Filed: September 15, 2004
    Date of Patent: April 3, 2012
    Assignee: Telemanager Technologies, Inc.
    Inventors: Paul Kobylevsky, Valery Gurovich