Patents Examined by Michael W Anderson
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Patent number: 10102524Abstract: An illustrative apparatus includes a memory, a processor coupled to the memory, and a first set of instructions stored on the memory that can be executed by the processor. The processor is configured to determine authentication data, where the authentication data comprises an indication that a first functionality of a second set of instructions can be controlled and where the second set of instructions is separate from the first set of instructions. The processor is further configured to send to a user interface, an indication of the first functionality. The processor is further configured to receive, through the user interface, a request to control the first functionality of a second set of instructions that is separate from the first set of instructions. The processor is further configured to send an order to control the first functionality of the second set of instructions.Type: GrantFiled: June 3, 2016Date of Patent: October 16, 2018Assignee: U.S. BANCORP, NATIONAL ASSOCIATIONInventors: Rajesh Vridhachalam, Jason A. Witty
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Patent number: 9922332Abstract: A integrated electronic networked notary system includes sub-systems of computers to execute biometric analysis, target object information input and analysis, marking and time stamping with an trusted third-party provider to enable an electronic notary process. The system provides for authentication of both the signatories as well as the target objects. The user has the option to either unilaterally self-notarize or to collaborate with others for the purpose of electronically notarizing the target object. For high-value target objects, a selectable display menu can be changed into the semi-automatic mode, whereby, a legal notary person may be present to interface and/or assist the user(s) in their notarization and time stamping process.Type: GrantFiled: December 9, 2010Date of Patent: March 20, 2018Inventor: Robert Sant'Anselmo
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Patent number: 9916625Abstract: A mobile insurance architecture includes a wireless communication interface that connects mobile client devices to wireless networks. An insurance server cluster that includes a group of independent network servers operates and appears to mobile client devices as if the group of independent network servers were a single computer server. An adaptive transmission controller communicates with the insurance server cluster and processes content in multiple mobile formats that may be optimized to the screen sizes of the mobile client devices. The insurance server cluster responds to native application clients resident to the mobile client devices. The native application clients contain code stored on a non-transitory media that render insurance quoting services, insurance claims services, on-line insurance policy services, usage based insurance services, mobile monitoring services, or insurance agency management services.Type: GrantFiled: February 2, 2012Date of Patent: March 13, 2018Assignee: Progressive Casualty Insurance CompanyInventors: Matthew Daniel Lehman, Bradley Thomas Philips, Pawan Kumar Divakarla, Toby Kramer Alfred, William Curtis Everett, Brian Joseph Surtz, Raymond Scott Ling
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Patent number: 9826057Abstract: In a computing system, information regarding a plurality of events that use a computing device is obtained, and a time-dependant increase in activity for each of at least some of the events is identified. An observed interest by a user in an event is correlated with an identified increase in activity for the event. Information about the activity at a time related to the event is provided for review by the user.Type: GrantFiled: May 30, 2013Date of Patent: November 21, 2017Assignee: Google Inc.Inventors: Sumit Agarwal, Dipchand Nishar, Andrew E. Rubin
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Patent number: 9811811Abstract: Computer system, computer-implemented method, and program product for managing transaction comprising: administering clients' deposits to and withdrawals from client transaction accounts; determining a client available deposit amount, Di, determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the client deposit amount, Di, calculating, for the banks a respective net deposit amount; generating instructions to transfer funds; and updating.Type: GrantFiled: March 15, 2013Date of Patent: November 7, 2017Assignee: Island Intellectual Property LLCInventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
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Patent number: 9811863Abstract: The database management system can include a plurality of databases, including a first database and a second database. The first database can include a plurality of database tables and/or indexes for storing account data records and a plurality of associated first database identifiers. In some embodiments, the first database includes a first database query system. The second database can include a second database table and/or index configured to store a plurality of symbolic data. In some embodiments, the second database includes a management module for generating symbolic data to be stored in the second database table and/or for generating a plurality of reports, among other things.Type: GrantFiled: October 11, 2016Date of Patent: November 7, 2017Assignee: Paulmar Software, Inc.Inventors: Cristian Marinescu, Emma Hart
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Patent number: 9799026Abstract: A system and method for straight through payment processing when the merchant is known but the merchant's payment card acquirer is unknown. Payment instructions from a payee to the merchant are normalized for a target acquirer system which is selected either at random, based on business logic and data, or based on successful past straight through payments. Payments are attempted for each acquirer successively until a successful payment notification is received. The link to the merchant and acquirer is then saved for subsequent straight through payments to that merchant.Type: GrantFiled: December 17, 2014Date of Patent: October 24, 2017Assignee: Supersede Solutions, LLCInventors: Robert M. Allen, Richard Taylor
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Patent number: 9792654Abstract: Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster to visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.Type: GrantFiled: March 15, 2013Date of Patent: October 17, 2017Assignee: United Services Automobile Association (USAA)Inventors: Shanna Limas, Cleburne Burgess, Jon McEachron
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Patent number: 9779392Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.Type: GrantFiled: August 19, 2010Date of Patent: October 3, 2017Assignee: United Services Automobile Association (USAA)Inventors: Bharat Prasad, Rickey Dale Burks, Minya Liang
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Patent number: 9741076Abstract: An application is disclosed that receives from a host exchange a plurality of trade notifications, each trade notification corresponding to an executed trade, and for each executed trade of interest, may determine whether the executed trade belongs in an aggregated set with one or more other executed trades. The application provides an indicator for indicating whether the corresponding executed trade or aggregated trade traded on the bid side or on the offer side of the market, and which indicates whether additional volume is available at the associated trade price.Type: GrantFiled: April 21, 2014Date of Patent: August 22, 2017Assignee: Trading Technologies International, Inc.Inventors: Richard Lane, Michael Unetich
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Patent number: 9619800Abstract: A system and method that keeps check of financial transactions by maintaining distinct records for a plurality of devices associated with a financial account, in conjunction with performing authentication further to inputting transaction data from a point of sale, the system comprising a communication portion that inputs transaction data received from the point of sale, the transaction data including an account number and one of a CVV number and an expiration date; a device identification portion that identifies a particular device, from which the transaction originated, out of the plurality of devices based on the account number and one of the CVV number and the expiration date; and an authentication portion that performs authentication processing based on a comparison process that utilizes the transaction data, the authentication portion generating an authentication result, and the authentication portion outputting the authentication result.Type: GrantFiled: July 1, 2010Date of Patent: April 11, 2017Assignee: JPMorgan Chase Bank, N.A.Inventors: Geetha Valdyanathan, Thomas C. Barton, Lee Knackstedt, Scott W. Rau
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Patent number: 9542683Abstract: Disclosed are systems and methods for protecting electronic money transactions from fraud and malware. An exemplary method include scanning a computer to detect software objects associated with electronic money that includes at least one of a wallet configured to store electronic money, an electronic money generating application, and data including an interaction history with an electronic exchange for electronic money; identifying and adjusting electronic money security modules configured to provide data security to the detected software objects associated with the electronic money; and executing, by the adjusted electronic money security modules, at least one electronic money transaction involving the electronic money. In one aspect, the electronic money security modules include a wallet protection module, a malware detection module, and a traffic control module.Type: GrantFiled: June 10, 2015Date of Patent: January 10, 2017Assignee: AO Kaspersky LabInventors: Alexander V. Kalinin, Sergey V. Dobrovolsky, Andrey Y. Solodovnikov, Vladislav V. Martynenko, Roel Schouwenberg
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Patent number: 9471906Abstract: This invention describes a set of related procedures designed to co-operate with mints of digital money in order to allow for said money to be properly, securely, and conveniently traded by, various size and various type of trading crowds. The procedures refer mainly to distribution of responsibility. This invention also specifies the construction of digital coins encapsulated in a physical housing to amount to off-line tradable digital coins.Type: GrantFiled: September 24, 2013Date of Patent: October 18, 2016Inventor: Gideon Samid
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Patent number: 9367837Abstract: A controller comprising: a database; a control module associated with the database; and a network interface configured to connect, over a network, to a plurality of workstations and at least one machine for performing operations to handle cash and/or other physical financial documents. The network interface receives requests from at least some of the workstations over the network, each comprising a request to pre-order a respective one of the operations. The requests are stored in the database. The network further receives, over the network, a signal from or on behalf of a slave module of the machine for retrieving one of the requests from the database. The control module processes the signal and in response releases the respective operation, the release comprising issuing an instruction to the slave module over the network controlling the machine to perform the respective operation to handle the cash and/or other physical financial document.Type: GrantFiled: March 27, 2013Date of Patent: June 14, 2016Assignee: GLORY GLOBAL SOLUTIONS (INTERNATIONAL) LIMITEDInventors: Olivier Martin, Douglas Jay Wielard, Michael Eugene Bielamowicz, Bryan James Christophersen, James William Long, Stefan Albert
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Patent number: 9195979Abstract: The gold and precious metal buying machine and method has a housing, a vault and inboard processing stations for: weighing, detecting constituent elements with x-rays and measuring volume based upon gas or fluid displacement. Weight, elemental data and volume is used to calculate gold weight and discounted market value based upon exchange rate, gold weight and a discount factor. Market value is displayed and if accepted, the system generates payment instruction and vault storage command. A rejection negates the acceptance upon request or error signal and generates rejection command. Machine transports item to various stations and, upon the storage command to the vault, and upon rejection to the item return port in the housing. An air displacement test uses a processor measuring a differential volume and a chambered item at a different pressure by a differential position of a piston movable in the chamber.Type: GrantFiled: April 3, 2013Date of Patent: November 24, 2015Inventor: Nakia Geller
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Patent number: 9171324Abstract: The hybrid virtual account and token-based digital cash protocols provide a user with many pairs of secret and public keys. One of the pairs is the master pair, which consists of one master user private key and one master user public key. Other pairs are pseudonym pairs, wherein each consists of one pseudonym user private key and one pseudonym user public key. The use of a master key pair and pseudonym key pairs circumvents the need for blind signatures. None of the invention's protocols require blind signatures. The protocols comprise public key protocols, digital signatures and symmetric key protocols.Type: GrantFiled: September 10, 2012Date of Patent: October 27, 2015Assignee: KING FAHD UNIVERSITY OF PETROLEUM AND MINERALSInventors: Ahmed Ibrahim Al-Herz, Lahouari Ghouti, Mohammad K. Ibrahim