Abstract: The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.
Type:
Grant
Filed:
October 6, 2014
Date of Patent:
October 30, 2018
Assignee:
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
Type:
Grant
Filed:
March 20, 2015
Date of Patent:
August 14, 2018
Assignee:
Bank of America Corporation
Inventors:
Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
Abstract: A system and method is presented for receiving required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to accept an element of clearing information. The clearing information fields of the form are dynamically updated based on clearing information rules. The clearing information rules define a relationship between at least one of the clearing information fields and the clearing information received from the user. The dynamically updated form is provided to the user to input further clearing information.
Type:
Grant
Filed:
March 15, 2013
Date of Patent:
April 17, 2018
Assignee:
BOTTOMLINE TECHNOLOGIES (DE) INC.
Inventors:
Nicole Pierrette Dwyer, Nicholas Anthony Griffin, Michael Alan Vigue, Eric Campbell
Abstract: Systems and methods for completing a transaction using an applet associated with a companion applet on portable electronic device. A least a portion of information from a user profile is obtained by the companion applet from a secure element on the portable electronic device using an application programming interface (API). The portion of information is then passed to the mobile applet and used to populate the fields needed for the vendor or payment processor to complete the transaction, and the transaction is treated as a card-present transaction.