Abstract: Various techniques are disclosed whereby computer technology such as a client-server arrangement is specially configured to generate and display parallel coordinates graphs of financial instrument data on a display screen. In an example embodiment, progressive rendering techniques can be used to improve performance by reducing a perception of slowness with respect to the loading of a parallel coordinates graph.
Type:
Grant
Filed:
March 23, 2015
Date of Patent:
December 17, 2019
Assignee:
Scottrade, Inc.
Inventors:
Justin Ryan Romo, Jessica Lynn Inman Birkhead, Daniel Edward Dean, Oscar Javier Pineda-Madrid, II, Murat Sanli, Lainey Lauren Schifferdecker, Virgil Michael Scott, Andrew Joseph Stafford, Scott Michael Welzbacher
Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time.
Abstract: System and methods for encouraging safe driving are provided. A mobile computing device may be configured to include a trip monitoring application. The trip monitoring application may automatically detect when a trip in a vehicle has begun. The trip monitoring application may collect trip information during the trip and derive additional trip information upon termination of the trip. A cash reward amount may be calculated based at least in part on the additional trip information derived from the trip information collected during the trip. The cash reward amount may be provided to an individual associated with the mobile computing device.
Type:
Grant
Filed:
February 24, 2014
Date of Patent:
October 15, 2019
Assignee:
Allstate Insurance Company
Inventors:
Nathan M. Bryer, Sarah Inciong, Daniel Kraft, Matthew James Manzella, Yuval Saban
Abstract: A system, method and computer program product for granting access and/or an authorization are disclosed. For instance, a computer-implemented method may include receiving a first sequence of plurality of biometric data elements. The sequence of plurality of biometric data elements may comprise a biometric passphrase. The method may include registering the biometric passphrase to a known user and/or a transaction account. The method may include receiving a transaction request comprising a second sequence of plurality of biometric data elements. The method may include comparing the second sequence of plurality of biometric data elements to the biometric passphrase to resulting in a confidence factor of the comparison. The comparison may include comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of plurality of biometric data elements to the biometric passphrase.
Type:
Grant
Filed:
May 19, 2014
Date of Patent:
October 8, 2019
Assignee:
AMERICAN EXPRESS TRAVEL RELATED SERVICES COPMANY, INC.
Abstract: A method of using biometric verification comprises identifying a validation requirement during the execution of a non-voice channel interaction, and initiating a contact to the user, at a pre-registered device. The method further comprises executing a biometric verification of the user's identity and possession of the device, via a user interaction at the pre-registered device, and providing the validation when the user is successfully identified.
Abstract: Methods and systems for providing automated methods of inspections that facilitate loss reporting and resolution are described. In some embodiments various remote evaluation tools are provided to collect information from remote locations. This information can be used to generate automated damage estimates which in turn can be used to direct the ordering of supplies, materials, and other resources. In addition, pre-damage and post-damage evaluations of an insured property may be collected using the remote evaluation tools. These evaluations can be used by adjusters (human adjusters and computer-based adjusters) to identify damage and process claims more efficiently.
Type:
Grant
Filed:
May 12, 2014
Date of Patent:
August 6, 2019
Assignee:
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Inventors:
Michael J. Allen, Cleburne Burgess, John H. Amstutz, Shanna Ruth Limas, Ramon M. Lopez
Abstract: Disclosed are an apparatus, a method, and a recording medium for controlling a portable communication terminal and a smart watch of the portable communication terminal, which control an operation of a display unit only when a user obtains information on a movement of the smart watch from a sensor installed in the smart watch and view the smart watch.
Type:
Grant
Filed:
February 20, 2014
Date of Patent:
March 20, 2018
Assignee:
University of Seoul Industry Cooperation Foundation
Abstract: Improved real-time analytics systems are provided. An analytics system may be used to generate transaction scores for transactions. A method may comprise receiving a scoring request associated with a transaction, sending the scoring request to a plurality of scoring models including a production model, wherein each scoring model is operable to generate a transaction score in response to the scoring request, and wherein each scoring model may be implemented using a virtual machine, receiving a transaction score generated by the production model, and sending the transaction score to a server for approval or denial the transaction.
Type:
Grant
Filed:
July 17, 2014
Date of Patent:
February 20, 2018
Assignee:
VISA INTERNATIONAL SERVICE ASSOCIATION
Inventors:
Kevin Siegel, Zhongxiao Jiang, Chuck Byce, Mayrose Kragas
Abstract: The invention relates to a method for enrolling and authenticating a bank's cardholder to a service provided by a service provider, characterized in that it comprises: a. receiving an identification cardholder data (ID) by a first channel; b. double-checking the identity of said cardholder by a second channel.
Type:
Grant
Filed:
November 14, 2012
Date of Patent:
November 7, 2017
Assignee:
GEMALTO SA
Inventors:
Valery Arnald, Sylvain Godbert, Philippe Mezger, Kanza Jaafar
Abstract: A credit report user interface is provided that may comprise a credit event timeline to view events associated with various accounts associated with a consumer. Credit events may be determined by accessing and analyzing a consumer's credit report from one or more of the national credit bureaus. In some embodiments the consumer can see credit events associated with all of the consumer's accounts or only from a limited number of the consumer's accounts. The consumer may also be able to search credit events, sort credit events, view the impact of credit events on one or more of the consumer's credit scores, and view predicted future credit events.
Type:
Grant
Filed:
April 22, 2014
Date of Patent:
July 18, 2017
Assignee:
ConsumerInfo.com, Inc.
Inventors:
Gregory Thomas Olson, Vijay Prakash Sivaji, Nelson Yu, Ralph Keith Monteath