Patents Examined by Martin A. Gottschalk
  • 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
    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
    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
  • Patent number: 8019678
    Abstract: Transaction information is received and applied to multiple fraud risk mathematical models that each produce a respective raw score, which are transformed with respective sigmoidal transform functions to produce optimized likelihood of fraud risk estimates to provide to a merchant. Respective fraud risk estimates are combined using fusion proportions associated with the respective risk estimates, producing a single point risk estimate, which is transformed with a sigmoidal function to produce an optimized single point risk estimate. The sigmoidal functions approximate a relationship between risk estimates produced by fraud risk detection models and a percentage of transactions associated with respective risk estimates; the relationship is represented in terms of real-world distributions of fraudulent and non-fraudulent transaction.
    Type: Grant
    Filed: November 3, 2010
    Date of Patent: September 13, 2011
    Assignee: CyberSource Corporation
    Inventors: William Wright, Hung-Tzaw Hu
  • Patent number: 7966250
    Abstract: A system and method of generating and trading a CO2 commodity that is correlated to a quantified amount of CO2 sequestered in a CO2 sequestering product comprising a carbonate and/or a bicarbonate. The tradable commodity can be purchased or sold for use in managing CO2 emissions.
    Type: Grant
    Filed: September 10, 2009
    Date of Patent: June 21, 2011
    Assignee: Calera Corporation
    Inventors: Brent R. Constantz, Vinod Khosla, Aurelia Setton, Robert Danziger, Andrew Youngs, James R. O'Neil, Chris Camire, Cecily Ryan, Manuel Jose Concha Soler
  • Patent number: 7953611
    Abstract: A method of incentivising members of a disease management program to comply with the program by splitting the program into general program areas and specific program areas. The general program areas are relevant to all of the diseases with which members of the program are stricken while the specific program areas are only relevant to some disease managed by the program. Members of the program are awarded points for taking part in and achieving certain levels within all of the general program areas and within the specific program areas associated with the disease with which they are stricken. The points are accumulated and members are rewarded if their points reach a predetermined level. Furthermore, bonus points are awarded to the members for achieving certain levels in all of the program areas associated with their disease.
    Type: Grant
    Filed: June 7, 2001
    Date of Patent: May 31, 2011
    Assignee: Discovery Holding Limited
    Inventors: Maurice Ronan Goodman, Lori Manson, Craig Nossel
  • Patent number: 7933785
    Abstract: A method for managing employee benefits in real-time includes receiving, from an employer, requirements for benefits; transmitting the requirements to one or more benefits providers; receiving bids from the one or more benefits providers to satisfy the requirements for benefits; receiving, from the employer, an authorization to enroll benefits of a selected benefits provider from the one or more benefits providers; and transmitting the authorization to the selected benefits provider.
    Type: Grant
    Filed: July 15, 2003
    Date of Patent: April 26, 2011
    Assignee: SAP AG
    Inventor: Andreas Mau
  • Patent number: 7912773
    Abstract: Systems and methods for performing fraud detection. As an example, a system and method can be configured to contain a raw data repository for storing raw data related to financial transactions. A data store contains rules to indicate how many generations or to indicate a time period within which data items are to be stored in the raw data repository. Data items stored in the raw data repository are then accessed by a predictive model in order to perform fraud detection.
    Type: Grant
    Filed: March 26, 2007
    Date of Patent: March 22, 2011
    Assignee: SAS Institute Inc.
    Inventors: Revathi Subramanian, Radu Drossu, Kevin Chaowen Chen, Paul C. Dulany
  • Patent number: 7904319
    Abstract: Computer-implemented systems and methods for providing warranty analysis. A system and method can be configured to receive claims data and products data and to perform statistical analysis of the received claims data and products data. The statistical analysis includes performing a statistical comparison of current claims activity levels in the received claims data with expected claims activity levels. One or more claim issues are detected based upon the statistical analysis. The detected one or more claim issues are provided to a user.
    Type: Grant
    Filed: July 26, 2006
    Date of Patent: March 8, 2011
    Assignee: SAS Institute Inc.
    Inventors: Michael L. Whear, David A. Froning, Danny C. Noal, Robert Martin Henry, Jr., Robert Leroy Collum, Jr., Ahmed A. Al-Attar, Max J. McLeod