Patents Examined by Matthew S Gart
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Patent number: 12361491Abstract: A system and method for determining whether to throttle or kill a sale of shares of an asset using a settlement approval service, including querying, by a settlement approval service, a transfer agent whether a buyer of shares of an asset is approved; querying, by the settlement approval service, a transfer agent whether a seller of shares of the asset is approved; based on the buyer and the seller being approved, querying, by the settlement approval service, the transfer agent as to whether the shares offered for sale are valid; and based on determining, by the settlement approval service, that the shares are valid, approving, by the settlement approval service, the sale of shares of the asset.Type: GrantFiled: March 26, 2024Date of Patent: July 15, 2025Assignee: TRETE Inc.Inventors: Damien Patton, Christian Gratton
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Patent number: 12288203Abstract: The systems may include transmitting wallet provider script to a payment service provider server, presenting an electronic wallet payment tool on a merchant checkout page, receiving a first selection of the electronic wallet payment tool, retrieving an electronic wallet comprised in a transaction account associated with the consumer, transmitting transaction account information associated with a desired transaction account in the electronic wallet to the payment service provider server, receiving a virtual token from the payment service provider server, and/or transmitting the virtual token to payment service provider script integrated in a browser used by the consumer.Type: GrantFiled: April 14, 2016Date of Patent: April 29, 2025Assignee: American Express Travel Related Services Company, Inc.Inventors: Andras L. Ferenczi, Vishnuvajhala V. Subrahmanyam, Yuval Refua, Sathish B. Muthukrishnan
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Patent number: 12229779Abstract: Provided is a method for detecting group activities in a network. The method may include receiving interaction data associated with a plurality of interactions. For each account identifier associated with at least one interaction, a value may be determined for each of a first set of categories, and a vector may be generated based on the value for each category. The length of each vector may be determined. At least one relational graph may be generated based on the interaction data. Each relational graph may be associated with a respective category of a second set of categories. At least one cluster of nodes may be determined based on the relational graph(s). A score for each cluster may be determined based on the length of the vector associated with the account identifier of each node of the cluster of nodes. A system and computer program product are also disclosed.Type: GrantFiled: December 30, 2020Date of Patent: February 18, 2025Assignee: Visa International Service AssociationInventors: Liang Wang, Junpeng Wang, Chiranjeet Chetia, Shi Cao, Harishkumar Sundarji Majithiya, Roshni Ann Samuel, Minghua Xu, Wei Zhang, Hao Yang
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Patent number: 12223489Abstract: A system includes a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to: store a cookie associated with a user device of a user; receive a prefetch request based on the cookie for account information in advance of a user request for the account information; identify the user based on the stored cookie; verify the identity of the user based on a received credential regarding the user; perform asynchronous data gathering by receiving data intermittently over one or more network nodes to retrieve the account information based on the prefetch request and the verification of the identity of the user; and provide account information to an active cache of the user device that proactively updates stored account information. The account information is stored in the active cache of the user device for later retrieval.Type: GrantFiled: October 31, 2023Date of Patent: February 11, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Shailesh Hedaoo, Benjamin Soccorsy, Manish Adeshara, Ashish G. Khapre, Chintan Mehta, Manoj Thorat, Ajith Thoutu, Priyank Tiwari
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Patent number: 12182870Abstract: The system may project and prioritize remediation timelines and costs, such that owners may prioritize spend across a portfolio of contaminated properties to maximize the overall effect of contamination remediation efforts, and to increase the likelihood of regulatory acceptance of proposed remediation strategies. The system may include a method for developing, an extreme event risk score based on operational environment data, legislative environment data and a data environment; determining a remediation score based on harm reduction data, cost data, sustainability data, resiliency data, the extreme event risk score and the data environment; determining a remediated risk score based on an initial risk score and the remediation score; determining a risk rating pre-remediation based on the initial risk score and an information depth score; and determining the risk rating post-remediation based on the remediated risk score and the information depth score.Type: GrantFiled: July 13, 2022Date of Patent: December 31, 2024Assignee: GHD, INC.Inventors: Jonathan Eller, Jayesh Srivastava, Brian Peters, Brett Roberts, Roy Thun, Matt Rousseau
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Patent number: 12154108Abstract: A method for completing a transaction includes: a backend server executes an application backend of a transaction application; a first terminal device executes a first application frontend of the transaction application; the first application frontend, for starting a transaction, transmits a transaction request indicating the transaction to be started and a second application frontend different from the first application frontend and comprising transaction data associated with the indicated transaction to the application backend; a second terminal device executes the second application frontend of the transaction application; the application backend provides a transaction link for being connected to by the second application frontend and transmits an authorization request to the second application frontend; the second application frontend authorizes the requested transaction and transmits a transaction authorization to the application backend; and the application backend completes the transaction.Type: GrantFiled: July 20, 2022Date of Patent: November 26, 2024Assignee: DEUTSCHE TELEKOM AGInventors: Dominik Schnieders, Stephan Spitz, Hermann Geupel
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Patent number: 12125029Abstract: A method, system, and non-transitory storage medium with instructions that implement a method to receive an electronic payment; select a selected payee's address from an address array, the address array storing a plurality of addresses of different payees in a plurality of locations in the address array, each different payee being entitled to a share of the payment; and transmit the payment in its entirety to the selected payee via the selected payee's address. The payee address selection may include stepping through a linearly populated address array, stepping through a randomly populated address array, or randomly selecting the address in the address array.Type: GrantFiled: June 1, 2022Date of Patent: October 22, 2024Assignee: FORMLESS, INC.Inventor: Brandon Tory Thorpe
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Patent number: 12118557Abstract: Provided is a method for detecting group activities in a network. The method may include receiving interaction data associated with a plurality of interactions. For each account identifier associated with at least one interaction, a value may be determined for each of a first set of categories, and a vector may be generated based on the value for each category. The length of each vector may be determined. At least one relational graph may be generated based on the interaction data. Each relational graph may be associated with a respective category of a second set of categories. At least one cluster of nodes may be determined based on the relational graph(s). A score for each cluster may be determined based on the length of the vector associated with the account identifier of each node of the cluster of nodes. A system and computer program product are also disclosed.Type: GrantFiled: December 30, 2020Date of Patent: October 15, 2024Assignee: Visa International Service AssociationInventors: Liang Wang, Junpeng Wang, Chiranjeet Chetia, Shi Cao, Harishkumar Sundarji Majithiya, Roshni Ann Samuel, Minghua Xu, Wei Zhang, Hao Yang
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Patent number: 12112378Abstract: Systems and methods are provided to increase the rate at which a system can accept and process data transaction request messages. The system includes a pre-processor that filters incoming data transaction request messages prior to transmitting the messages for further processing, for example, by a matching engine. The pre-processor quickly identifies whether a new arriving data transaction request is transactable. If the new arriving data transaction request is not transactable, then the data transaction request will be transmitted and stored in a main data structure and not transmitted to the matching engine.Type: GrantFiled: September 13, 2023Date of Patent: October 8, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Zachary Bonig, Brian Alvin Bourn, Suchith Vasudevan, David Lariviere
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Patent number: 12112320Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: GrantFiled: October 5, 2023Date of Patent: October 8, 2024Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
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Patent number: 12073477Abstract: The present disclosure relates to analyzing data related to smart home activity that is useful to risk analysis, service cost determination/adjustment, and behavioral incentivization. A monitoring system may acquire maintenance information, contextual information, and/or financial information with minimal user input to assess risk associated with user behavior and home activity associated with a smart home. Based on generating a risk factor associated with the smart home, the monitoring system may provide a user with an accurate service cost (e.g., home insurance quote) related to the smart home activity.Type: GrantFiled: May 27, 2021Date of Patent: August 27, 2024Assignee: United Services Automobile Association (USAA)Inventors: Amber K. Buehrle, Ramsey Devereaux, Michael Hertz, Michael Kyne, Theresa Marie Matowitz, Steven Robert Seigler
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Patent number: 12067618Abstract: Methods and systems are disclosed for automatically taking actions based on triggering events in market data using a filter component are disclosed. Market trading information is received, including one or more bids and one or more asks. An untriggered virtual order is received via a filter component of a graphical user interface (GUI), including a triggering event and associated action. Upon detecting, in the market trading information, an occurrence of the triggering event, the associated action is triggered. The action can include generating an alert and/or submitting an order to a marketplace based on the untriggered virtual order. In some implementations, the filter component can display a filtered portion of the market trading information, and an untriggered virtual order can be configured via the filter component by selecting a bid or ask.Type: GrantFiled: February 12, 2021Date of Patent: August 20, 2024Assignee: Geneva Technologies, LLCInventors: Robert S. Creamer, Edward Paul Krauss, Geoffrey R. Myers, Jr.
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Patent number: 12067100Abstract: A dual wearable smart device system and a method of using the dual wearable smart device system for authenticating an electronic financial transaction are described. In one embodiment, a method for approving an electronic financial transaction using at least two wearable smart devices includes providing a first wearable smart device that is designated as a payment device for conducting electronic financial transactions. The method also includes providing a second wearable smart device that is designated as a confirmation device for confirming the electronic financial transactions by the first wearable smart device. The method includes initiating, by the first wearable smart device, an electronic financial transaction, and, approving, by the second wearable smart device, the electronic financial transaction initiated by the first wearable smart device. The method further includes authenticating the first wearable smart device to complete the electronic financial transaction.Type: GrantFiled: August 7, 2023Date of Patent: August 20, 2024Assignee: United Services Automobile Association (USAA)Inventors: Kelly Q. Baker, William Preston Culbertson, II, Will Kerns Maney, Jr., Gregory David Hansen, Jerry John Maestas, Oscar Guerra, Gregory Brian Meyer, Ana Maldonado, Michelle Susan Croak, Andre Rene Buentello, Stacy Callaway Huggar, Jose L. Romero, Jr.
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Patent number: 12062087Abstract: A system and method for dynamically discounting trade debt through the use of a forward auction is provided. In one example, a system that allows a seller to auction inventory to a plurality of bidders. According to this embodiment, the system may determine eligibility for acceptance of bids submitted by the bidders and a plurality of bids may be determined to be eligible for acceptance. Further, a margin by which the bids are acceptable may be determined and a representation of the margin may be communicated. In another example, a method is provided for discounting debt using an auction system. According to this embodiment, a seller may configure an auction event with auction parameters, such as hurdle rates, that will best serve the goals of the auction. The seller may alter event parameters while the event is ongoing, thus further enhancing the ability of the seller to meet auction objectives.Type: GrantFiled: October 26, 2020Date of Patent: August 13, 2024Assignee: POLLEN, INC.Inventors: Alexander C. Kemper, Roy E. Owens, George Wesley Hedrick, Peter Thomas, Patricia Iorio, John G. Christopher, Douglas A. Martin
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Patent number: 12062065Abstract: A system, apparatus, and method are presented for allocating for allocating advertisements for display are provided that include collecting a plurality of advertising spaces, each advertising space having at least one associated advertising space variable; collecting a media inventory, the media inventory comprising a plurality of advertisements, each advertisement having at least one associated advertisement variable; receiving a bid price and a target inventory percentage for each advertisement: receiving a request for an advertisement to be placed at a specified advertising space; identifying advertisements in the media inventory that are qualified to receive an impression at the specified advertising space; creating a qualified advertisement ranking by sorting the qualified advertisements by bid price; selecting advertisements from the qualified advertisement ranking until the sum of target inventory percentages of selected advertisements is equal to or greater than 100 percent; and allocating advertisingType: GrantFiled: June 10, 2021Date of Patent: August 13, 2024Assignee: Yahoo Ad Tech LLCInventor: Hans Marius Holtan
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Patent number: 12056702Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.Type: GrantFiled: November 23, 2021Date of Patent: August 6, 2024Assignee: Plaid Inc.Inventors: William Hockey, Zach Perret, Charles Li
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Patent number: 12039595Abstract: An example system creates a video based on a user's financial profile for a specified time period and displays the video on a virtual reality device to help the user visualize the user's financial decisions resulting in the user's current financial status as well as visualize the user's predicted financial status in the future. The system analyzes the user's historical financial transactional data, profile information and relevant market and peer information to extract and predict one or more data points regarding the user's financial profile from the past, present and the future. The system generates a video about the user's financial profile by creating a storyline based on the one or more data points.Type: GrantFiled: August 17, 2023Date of Patent: July 16, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Jaison Prabhu Doss, Naveen Hunsur Jayaramegowda, Sadananda Kalappanahally Nagarajappa, Venkata Reddy Yeruva, Gowtham Reddyvari, Ravi Chandra Singamsetty
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Patent number: 12039599Abstract: Systems and methods related to financial trading are provided. More specifically, some embodiments relate to systems and methods for electronic trading using market data channels which users can subscribe. Various embodiments of the present technology can provide a suite of devices that are designed to actively modify market data at the intake point (co-location facility) in order to optimally disseminate only relevant information to various applications. These filtered market data channels can then be accessed by trading systems through various subscription models. Various embodiments allow for any type of channel that alters the natural or pure market data feed to produce different data flows and other signals (e.g., triggers, synthetic prices, etc.).Type: GrantFiled: June 21, 2021Date of Patent: July 16, 2024Assignee: Geneva Technologies, LLCInventor: Robert S. Creamer
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Patent number: 12008541Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.Type: GrantFiled: December 7, 2022Date of Patent: June 11, 2024Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Kevin Wayne Faragher, Malcolm Dinyar Jussawalla, Tomasz Pawelkiewicz, Karandeep Puri
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Patent number: 11983719Abstract: An ATM equipped with forensic card reader identification validation is provided. The ATM may include a real ID card slot. The real ID card slot may accept real ID cards. The ATM may include a call communications module. The call communications module may communicate with a third-party network. Upon insertion of a real ID card at the ATM, the ATM may retrieve security details from the real ID card. The ATM may transmit the security details to the third-party network via the call communications module. The third-party network may verify the security details with one or more databases which are accessible by the third-party network. Upon failure to verify the security details, the third-party network may transmit a failed verification response to the ATM.Type: GrantFiled: March 24, 2023Date of Patent: May 14, 2024Assignee: Bank of America CorporationInventor: Elvis Nyamwange