Patents Examined by Michael Cranford
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Patent number: 10263888Abstract: A sticky order routing system may include multiple order routers in communication with an electronic exchange for communicating transaction messages. Each of the order routers communicates transaction messages between multiple associated trading sessions and the electronic exchange, where of the associated trading sessions is assigned to the order router in communication with the electronic exchange. Transaction message traffic between the order routers and the electronic exchange is monitored, such as randomly, based on round-robin assignment, and/or trading data. In response to transaction message traffic exceeding a threshold, the trading session may be assigned to a new order router.Type: GrantFiled: September 30, 2010Date of Patent: April 16, 2019Assignee: Trading Technologies International, Inc.Inventor: Sagy Pundak Mintz
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Patent number: 9830587Abstract: A system, method and device for customizing online merchant payments for mobile devices without merchant integration are provided. In an embodiment, a mobile device monitors a state of a web-based session between the mobile device and an online merchant and detects and intercepts a payment form received from an online merchant for entering payment information to complete a purchase transaction with the online merchant. The mobile device displays a list of one or more payment types available for selection to complete the purchase transaction. The user selects and payment type and the mobile device retrieves associated payment information from a server based on the payment type selected by the user. The mobile device populates fields of the payment form with the retrieved payment information, displays the populated payment form to the user for confirmation to complete the purchase transaction, and submits the populated payment form to the online merchant.Type: GrantFiled: December 13, 2012Date of Patent: November 28, 2017Assignee: Sprint Communications Company L.P.Inventors: Timothy L. Bell, Sai Suresh Ganesamoorthi, Hemant Tiwari
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Patent number: 9811817Abstract: Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer. The supplier receives payment within the predetermined period of time, and the customer receives additional cash benefits by providing an early payment to the supplier. To communicate with and transfer funds between customers and suppliers, the invoiceless trading system may use an electronic gateway and a settlement bank. In addition to creating an incentive to embrace e-commerce, both customers and suppliers avoid the need to manually process orders and use invoices to complete transactions.Type: GrantFiled: June 20, 2014Date of Patent: November 7, 2017Assignee: FAST 101 PTY LTD.Inventor: William James Duncan
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Patent number: 9792650Abstract: An exemplary system according to the present disclosure comprises a server system (comprising one or more computing devices) that is in communication with one or more financial exchange systems and one or more data source computer devices (e.g., news sources). Also in communication with the server system are one or more mobile communication devices. The server system comprises a memory and a processor executing software that enables the server system to receive live market data and information from one or more of the financial exchange systems and the data source computer devices; aggregate and filter the data and information; according to one or more pre-set user preferences and/or one or more user-initiated commands; and transmit the aggregated/filtered data and information to one or more mobile communication devices via one or more live data feeds. The mobile communication device displays aggregated/filtered information in a single, interactive GUI.Type: GrantFiled: October 5, 2012Date of Patent: October 17, 2017Assignee: Trade Capture, OTC Corp.Inventors: Vincent P. Annunziata, David Ehrlich, Paul Summermatter, Eric M. Hermanson, John Rowland
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Patent number: 9792649Abstract: Methods and apparatus for implementing an electronic trading system which supports risk checking as part of standard message order processing is described. In accordance with the invention risk checking is moved into the exchange system, e.g., electronic communications network, responsible for servicing transaction/order messages and implementing trades. Thus, at least some level of risk checking is performed on transactions even if a broker allows a trader to submit orders directly to the ECN without first passing through a broker order/risk checking system. Brokers, clients and/or individual traders provide parameters used to perform various checks which are performed within the exchange on submitted orders. Various checks are broker level checks which test that orders placed by individual clients do not exceed constraints which are based on the aggregate of the holdings of the individual clients of a broker. Additional client level and trader specified risk checking may also be performed.Type: GrantFiled: October 5, 2011Date of Patent: October 17, 2017Assignee: NYSE ARCA LLCInventors: Alexei Lebedev, Vladimir Parizhsky
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Patent number: 9667430Abstract: The SIP server can be comprised of an engine tier that is designed for high throughput processing of SIP communications and a state tier that maintains state information for access by the engine tier. A Java-based offline charging application can be deployed on the SIP server engine tier in order to allow the SIP server to generate offline charging events and transmit them to a charging data function (CDF) server. The state data for the offline accounting session can be maintained on the state tier. Furthermore, timers set to accounting interim interval value can be used to indicate expiration times for the accounting session. The SIP server can use the timers to send periodic interim requests in order to update and maintain the accounting session open.Type: GrantFiled: December 13, 2007Date of Patent: May 30, 2017Assignee: ORACLE INTERNATIONAL CORPORATIONInventor: David Connelly
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Patent number: 8930261Abstract: Disclosed is a method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising: a) determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of the individual; and b) generating the fraud risk score based on at least one of the telephony channel risk score, the audio channel data, and the non-audio channel data.Type: GrantFiled: August 13, 2010Date of Patent: January 6, 2015Assignee: Verint Americas Inc.Inventors: David Hartig, Anthony Rajakumar, Lisa Marie Guerra, Richard Gutierrez
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Patent number: 8924270Abstract: Methods and system for admitting a content provider into a revenue sharing program are disclosed. In one embodiment, the method comprises receiving a request from a content provider to participate in the revenue sharing partner program and determining whether to invite the content provider based at least in part on infraction information associated with the content provider.Type: GrantFiled: May 5, 2008Date of Patent: December 30, 2014Assignee: Google Inc.Inventors: Thai Tran, Dean Yasuda, Shashi Seth, Aaron Kwong Yue Lee, Zheng Liu, Franck Chastagnol, George Strompolos
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Patent number: 8924285Abstract: According to one aspect of the invention there is provided a method, comprising collecting voiceprints of callers; identifying which of the collected voiceprints are associated with fraud; and generating a whitelist comprising voiceprints corresponding to the collected voiceprints not identified as associated with fraud.Type: GrantFiled: January 12, 2009Date of Patent: December 30, 2014Assignee: Verint Americas Inc.Inventors: Anthony Rajakumar, Richard Gutierrez, Lisa M. Guerra
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Patent number: 8768736Abstract: Methods for tracking customer spending: the methods may comprise receiving from the customer a first threshold amount and a period length; receiving a transaction indication for each debit transaction made by the customer during a first period; and alerting the customer if the sum of the amounts of debit transactions during the first period exceeds the first threshold amount. The methods may also comprise receiving a transaction indication for each debit transaction made by the customer during a second period; and alerting the customer if the sum of the amounts of debit transactions during the second period exceeds a second threshold amount.Type: GrantFiled: May 12, 2008Date of Patent: July 1, 2014Assignee: The PNC Financial Services Group, Inc.Inventors: Michael Aaron Chapman, Hyun Jin Ko, Rodney Hal Monson, Mark Alexander Jones, Bryan L. Mackrell, Michael S. Ley, Thomas S. Kunz
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Patent number: 8762273Abstract: Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer. The supplier receives payment within the predetermined period of time, and the customer receives additional cash benefits by providing an early payment to the supplier. To communicate with and transfer funds between customers and suppliers, the invoiceless trading system may use an electronic gateway and a settlement bank. In addition to creating an incentive to embrace e-commerce, both customers and suppliers avoid the need to manually process orders and use invoices to complete transactions.Type: GrantFiled: February 20, 2014Date of Patent: June 24, 2014Assignee: Fast 101 Pty Ltd.Inventor: William James Duncan
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Patent number: 8762263Abstract: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.Type: GrantFiled: April 5, 2006Date of Patent: June 24, 2014Assignee: Visa U.S.A. Inc.Inventors: Patrick Gauthier, Brian Maw, Patrick Faith, Barbara Patterson
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Patent number: 8756145Abstract: A method implemented in a computer infrastructure having computer executable code, includes receiving information in support of a bid and determining if value-add eligibility criteria is met. Additionally, the method includes calculating a bid price based on the information if the value-add eligibility criteria is met, updating a record indicating the bid price and tracking additions and changes to the record.Type: GrantFiled: February 4, 2008Date of Patent: June 17, 2014Assignee: International Business Machines CorporationInventors: Rick A. Hamilton, II, Konstantinos Makropoulos, Bryan J. Martin, James W. Seaman
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Patent number: 8694419Abstract: A method of utilizing an intellectual property grouping owned by a patent entity to generate income. The method includes acquiring rights in a first intellectual property asset from a seller on behalf of a patent investment entity, providing compensation to the seller in exchange for the first intellectual property asset, granting less than all of the rights in the first intellectual property asset to the seller of the intellectual property asset in exchange for a stream of payments, wherein granting less than all of the rights in the first intellectual property asset creates residual rights in the first intellectual property asset, and utilizing the residual rights in the first intellectual property asset to generate income for the patent investment entity.Type: GrantFiled: March 5, 2009Date of Patent: April 8, 2014Assignee: Ocean Tomo, LLCInventors: James E. Malackowski, Robert Block, Andrew Carter, Mark Rubin
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Patent number: 8694338Abstract: A third party scoring entity establishes a market-based scoring system which can be used to generate a supply efficiency score to be assigned to a service provider seeking to begin providing a service in a territory. The supply efficiency score is indicative of the need for additional capacity to supply the service. The supply efficiency score is supplied to payers designated by the service provider and the payers will use the score to determine a reimbursement rate for the professional services provided based upon existing market saturation.Type: GrantFiled: August 9, 2010Date of Patent: April 8, 2014Assignee: Enable Quality Health, LLCInventor: Michael D. Samms
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Patent number: 8676699Abstract: Methods and systems for risk monitoring and reporting impacts of credit ratings on rated legal entities are provided. In a method of reporting an impact of credit ratings on a rated legal entity, a plurality of credit rating terms related to a rated legal entity are converted to at least one logical trigger comprising one or more logical expressions. The credit rating terms may impact performance of a legal right or obligation associated with the rated legal entity. The trigger(s) are stored in a computer database. At least one trigger is retrieved from the database. A status for one of the retrieved triggers is evaluated based on predetermined values of the logical expression(s) of the retrieved trigger. Status information for at least one rated legal entity is displayed based on the evaluated status of the retrieved trigger(s).Type: GrantFiled: October 7, 2011Date of Patent: March 18, 2014Assignee: Morgan StanleyInventors: Madhu Philips, Vimal Swaroop Rajamanur
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Patent number: 8666892Abstract: In general, in one aspect, an electronic payment transaction can be processed at a merchant location without the need for configuring the equipment used to include parameters related to a merchant account (merchant profile). The electronic payment transactions processed from the merchant location simply include a unique identification for the equipment. A processing switch upstream maintains a correlation between the unique identifiers and the merchant profiles and retrieves the appropriate merchant profile for the unique identification and utilizes the merchant profile to process the electronic payment transactions.Type: GrantFiled: November 20, 2007Date of Patent: March 4, 2014Assignee: Datacap Systems, Inc.Inventors: Leon N. Morsillo, Terry H. Zeigler
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Patent number: 8660947Abstract: Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer. The supplier receives payment within the predetermined period of time, and the customer receives additional cash benefits by providing an early payment to the supplier. To communicate with and transfer funds between customers and suppliers, the invoiceless trading system may use an electronic gateway and a settlement bank. In addition to creating an incentive to embrace e-commerce, both customers and suppliers avoid the need to manually process orders and use invoices to complete transactions.Type: GrantFiled: February 12, 2008Date of Patent: February 25, 2014Assignee: Fast 101 Pty Ltd.Inventor: William James Duncan
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Patent number: 8645259Abstract: Current market price, limit price, and short term volatility define the probability that the market price will reach the desired limit price and that the order will be executed. A computer implemented method estimates the probability of executing the limit price order and provides output to the investor to assist in setting the limit price in an informed way. According to an embodiment of the present invention, a computer implemented system provides the investor with prices predicted to be executable at a set of given probabilities of execution. In one embodiment, the output to the investor includes a set of limit order execution probabilities, such as 80%, 90%, 95%, or similar, and corresponding limit order set prices. In another embodiment, an investor sets the execution probability, such as 95%, which is provided as input into the system. The output to the investor includes the calculated limit price corresponding to the set execution probability.Type: GrantFiled: February 14, 2008Date of Patent: February 4, 2014Assignee: Tyche Technologies LLCInventors: Alexandr Borisovich Draganov, Franklin Milton Haas, Jr.
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Patent number: 8635131Abstract: The invention teaches a system and method for managing a transaction account using the BIN number included in a transaction account number. The transaction account number is provided to a transaction account issuer configured to retrieve the BIN number from the transaction account. A portion of the BIN number, called the BIN identifier, is retrieved by the transaction account issuer and used to locate a corresponding use or issuer-defined transaction processing protocol stored on the account issuer system. The account issuer may then process the transaction request in accordance with the protocol located.Type: GrantFiled: October 15, 2004Date of Patent: January 21, 2014Assignee: American Express Travel Related Services Company, Inc.Inventor: Peter D Saunders