Patents Examined by Rajesh Khattar
  • Patent number: 10915970
    Abstract: Computer-implemented methods, system and computer program products for identifying and communicating errors or inconsistencies in data of an electronic tax return during preparation of the electronic tax return, e.g., presenting a message to a user regarding the error or inconsistency “on the spot” or immediately in response to identifying the error or inconsistency during a currently displayed interview screen. Error messages may be communicated to an interface controller that processes error messages or non-binding suggestions concerning same from a rule module by the rule module pushing messages to the interface controller, the interface controller pulling or querying the rule module, or by use of a shared memory or data store to which the rule module pushes messages and from which the interface controller pulls or retrieves the messages generated by the rule module.
    Type: Grant
    Filed: March 12, 2014
    Date of Patent: February 9, 2021
    Assignee: Intuit Inc.
    Inventors: Gang Wang, Kevin M. McCluskey, Qing Zhang
  • Patent number: 10846698
    Abstract: A quick pay option is provided so that a user can make a payment from a merchant site by simply entering in a user identifier in a pop-up window. Limits are set for the quick pay option and may vary between different merchants. The payment provider is able to determine the merchant, user, and transaction information automatically, such that the user may only be required to enter the identifier to process and complete the payment.
    Type: Grant
    Filed: February 13, 2017
    Date of Patent: November 24, 2020
    Assignee: PayPal, Inc.
    Inventor: Srinivas Gangapurkar
  • Patent number: 10832327
    Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: November 10, 2020
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
  • Patent number: 10810563
    Abstract: Technologies are described herein for a payments portal. A payments portal can be configured to support payments by generating and embedding widgets in webpages hosted by merchant sites associated with a marketplace. The widgets can provide specific payment functionality for users, thereby providing consistent payment experiences across merchant sites without updating the merchant sites. The widgets can be dynamic or static. Interactions with the widgets can cause a browser displaying the widgets to access data hosted by the payments portal and/or other systems, devices or services in communication with the payments portal.
    Type: Grant
    Filed: July 21, 2017
    Date of Patent: October 20, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Alan G. Davison, Amitpal Singh Bhutani, Justin Michael Bonnar, Robert Benjamin Brydon, Bryan Christopher Castillo, Dennis Scott Doctor, Thomas L. Kovarik, Aatish S. Mandelecha, John Matthew Nienart
  • Patent number: 10803449
    Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.
    Type: Grant
    Filed: April 21, 2017
    Date of Patent: October 13, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Avinash Kalgi
  • Patent number: 10783578
    Abstract: Computerized systems and methods (1) detect an item (e.g., loan or practice) within a securitization trust or other financing vehicle that may fall below the standards outlined by representations and warranties made by the securitization trust, and (2) automatically export reports to other systems so such other systems can systematically analyze the identified item, which may then be possibly used to remedy the item.
    Type: Grant
    Filed: December 31, 2015
    Date of Patent: September 22, 2020
    Inventor: James Callahan
  • Patent number: 10692142
    Abstract: A system for processing a composite trading order comprises a memory operable to store market data received from one or more market centers. The system further comprises a processor operable to generate a composite value based at least in part on the market data. The processor is further operable to receive a composite trading order associated with at least a portion of the composite value. The processor is further operable to generate a plurality of constituent trading orders that, when filled, combine to satisfy the composite trading order.
    Type: Grant
    Filed: November 24, 2010
    Date of Patent: June 23, 2020
    Assignee: BGC PARTNERS, INC.
    Inventors: Matthew W. Claus, James R. Driscoll, Gregory P. Manning, Joseph C. Noviello
  • Patent number: 10679309
    Abstract: Structures and protocols are presented for signaling a status or decision (processing or transmitting a medical record or other resource, e.g.) conditionally. Such signaling may be partly based on one or more symptoms, regimen attributes, performance indicia (compliance indications, e.g.), privacy considerations (patient consent, e.g.), contextual considerations (being in or admitted by a care facility, e.g.), sensor data, or other such determinants. In some contexts this may trigger an incentive being manifested (as a dispensation of an item, e.g.), an intercommunication (telephone call, e.g.) beginning, a device being configured (enabled or customized, e.g.), data distillations being presented or tracked, or other such results.
    Type: Grant
    Filed: December 5, 2012
    Date of Patent: June 9, 2020
    Assignee: Elwha LLC
    Inventors: Roderick A. Hyde, Edward K.Y. Jung, Jordin T. Kare, Eric C. Leuthardt, Royce A. Levien, Richard T. Lord, Robert W. Lord, Mark A. Malamud, John D. Rinaldo, Jr., Dennis J. Rivet, Clarence T. Tegreene, Lowell L. Wood, Jr.
  • Patent number: 10664813
    Abstract: Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.
    Type: Grant
    Filed: November 26, 2014
    Date of Patent: May 26, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Eren Kursun, Sih Lee
  • Patent number: 10657522
    Abstract: An electronic device and method are disclosed herein. The electronic device includes a communication unit to communicate with an external payment device, a display unit configured to display information for a payment process to the external payment device, and a control unit including an application process module and a secure element module. The secure element module includes one or more electronic cards for performing the payment process through the communication unit, and is configured to update information for the one or more electronic cards in response to an applet update request and generate and transmit an updated applet event to the application process module after updating the information. The application process module is configured to control the display unit to display information for the one or more electronic cards, detect and transmit the applet update request to the secure element module, and update an application in response to receiving the transmitted updated applet event.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: May 19, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Byoungkab Choi, Jiwoong Byun, Seunghwan Choi
  • Patent number: 10636098
    Abstract: A position determining system includes a surveillance and monitoring special purpose computer, one or more sensors in electrical communication with the surveillance and monitoring special purpose computer, one or more surveillance cameras in electrical communication with the surveillance and monitoring special purpose computer, the surveillance and monitoring special purpose computer receiving from the one or more sensors positional data about an asset and assembling and forwarding instructions to the one or more surveillance cameras in electrical communication with the surveillance and monitoring special purpose computer, the instructions requesting specific surveillance to be undertaken by the one or more surveillance cameras; and a processor in electrical communication with the surveillance and monitoring special purpose computer that determines if additional data is required about the asset and when additional data is required, assembling and forwarding instructions regarding an action.
    Type: Grant
    Filed: October 4, 2016
    Date of Patent: April 28, 2020
    Assignee: B3, LLC
    Inventors: Paul Bradford Blessman, Robert Colton Biedenbach
  • Patent number: 10621809
    Abstract: A vending machine is described that uses digital currency transactions to enable a user to purchase items from their portable computing device. Using a control system in communication with various components of the vending machine and an internet connection for communicating with a remote digital currency system, such as a bitcoin network, a digital currency processing system executes digital currency transactions and stores the resulting digital currency in a transaction storage repository. The control system initiates dispensing of purchased items based on communication from the digital currency processing system.
    Type: Grant
    Filed: December 1, 2015
    Date of Patent: April 14, 2020
    Inventors: Christopher M. Smolen, Stuart Card
  • Patent number: 10614430
    Abstract: A system and method for transaction bitcoin is described. Bitcoin can be sent to an email address. No miner's fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A bitcoin exchange allows for users to set prices that they are willing to sell or buy bitcoin and execute such trades.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: April 7, 2020
    Assignee: Coinbase, Inc.
    Inventor: Brian D. Armstrong
  • Patent number: 10552915
    Abstract: A plan authoring tool can receive user input describing parameters of benefits of a benefit plan. The plan authoring tool can convert the user input into a machine structured plan description (MSPD) that defines the benefit plan. The MSPD can be used by a plan documentation generator to generate one or more plan documents that explain the benefits and/or indicate how to manually adjudicate claims submitted in association with the benefit plan. The MSPD can also be used to automatically adjudicate claims. Plan analysis tools can be used to evaluate an MSPD to validate a new or edited benefit plan and/or provide user feedback on the benefit plan so that users, if desired, can revise the MSPD via the plan authoring tool.
    Type: Grant
    Filed: August 21, 2018
    Date of Patent: February 4, 2020
    Assignee: Collective Health, Inc.
    Inventors: Asif Khalak, Sergio Martinez-Ortuno, Henning Chiv, Michelle Alicia Gard, Emma Louise Wise
  • Patent number: 10540723
    Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: January 21, 2020
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
  • Patent number: 10482499
    Abstract: A method for conducting a transaction between a merchant and a customer, a merchant device, and a computer storage medium for instructing a computing device to execute a method for conducting a transaction between a merchant and a customer are disclosed. The method includes establishing a secure wireless connection between a merchant device and a customer device, real-time synchronizing, via the secure connection, a shopping cart of the customer between the merchant and the customer devices, determining, via the secure connection, at least one payment option for checking out the shopping cart, and processing, at a transaction processing device, the payment based on a selected payment option out of the at least one payment option.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: November 19, 2019
    Assignee: Mastercard Asia Pacific Pte. Ltd.
    Inventors: Jiaming Li, Donghao Huang, Jie Zhang, Bensam Joyson, Douglas Tan, Yong How Chin
  • Patent number: 10475127
    Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: November 12, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann
  • Patent number: 10417866
    Abstract: The present invention is provides a novel electronic settlement technique which is capable of supplying a deposit so as to continue the play of a game after a deposit available in a game facility has been consumed. A negotiable-value providing device is transmits to a user terminal device a deposit supply demand message demanding supply of a premises deposit upon receipt of a transfer demand message. A user terminal device is transmits a transfer demand message to a management server upon receipt of the deposit supply demand message. Upon receipt of the deposit supply demand message, the management server is transmits to a financial institute system a transfer request message requesting a predetermined transfer of a predetermined amount of money from a user bank account. Upon receipt of a transfer completion message, a premises server is transmits a provision instructing message instructing provision of a negotiable-value to the negotiable-value providing device.
    Type: Grant
    Filed: March 23, 2011
    Date of Patent: September 17, 2019
    Assignee: Universal Entertainment Corporation
    Inventor: Nobuyuki Nonaka
  • Patent number: 10402909
    Abstract: A plan authoring tool can receive user input describing parameters of benefits of a benefit plan. The plan authoring tool can convert the user input into a machine structured plan description (MSPD) that defines the benefit plan. The MSPD can be used by a plan documentation generator to generate one or more plan documents that explain the benefits and/or indicate how to manually adjudicate claims submitted in association with the benefit plan. The MSPD can also be used to automatically adjudicate claims. Plan analysis tools can be used to evaluate an MSPD to validate a new or edited benefit plan and/or provide user feedback on the benefit plan so that users, if desired, can revise the MSPD via the plan authoring tool.
    Type: Grant
    Filed: August 21, 2018
    Date of Patent: September 3, 2019
    Assignee: Collective Health, Inc.
    Inventors: Asif Khalak, Sergio Martinez-Ortuno, Michelle Alicia Gard, Henning Chiv
  • Patent number: 10387962
    Abstract: In systems and methods for accident scene reconstruction, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may be analyzed and, based upon the analysis of the accident data, a sequence of events occurring before, during, and/or after the vehicle accident may be determined. Based upon the determined sequence of events, a virtual reconstruction of the vehicle accident and/or a scene of the vehicle accident may be generated. The virtual reconstruction may include images of vehicles and/or road, weather, traffic, or construction conditions at the time of the accident. Based upon the virtual reconstruction, fault of the driver, or lack thereof, for the accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: August 20, 2019
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Thomas Michael Potter, Mark E. Clauss, Dustin Ryan Carter, Douglas Albert Graff, Megan Michal Baumann, Atlanta Bonnom, Craig Cope, Jennifer Luella Lawyer, Curtis Simpson, Nathan W. Baumann