Patents Examined by Rajesh Khattar
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Patent number: 9754245Abstract: 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: GrantFiled: March 12, 2013Date of Patent: September 5, 2017Assignee: Amazon Technologies, Inc.Inventors: Alan Greame Davison, Amitpal Singh Bhutani, Justin Michael Bonnar, Robert Benjamin Brydon, Bryan Christopher Castillo, Dennis Scott Doctor, Thomas Luke Kovarik, Aatish Suresh Mandelecha, John Matthew Nienart
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Patent number: 9747597Abstract: A mobile device is utilized for a mobile payment system. The mobile device includes an identity module for storing an identity data; a communication module for communicating with a client and receiving a start signal to generate a notification signal; a processing module for executing an application program to obtain an authentication information according to the notification signal and determining whether the authentication information is legal according to a checking information to generate a switching signal; and a switching module for determining whether to connect the communication module and the identity module according to the switching signal; wherein the communication module reads the identity data stored in the identity module to obtain an identity result according to a conduction of the switching module, and transmits the identity result to the client.Type: GrantFiled: December 27, 2013Date of Patent: August 29, 2017Assignee: Wistron CorporationInventor: Tung-Ming Wu
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Patent number: 9684934Abstract: An enhanced claims settlement apparatus may process insurance claims rapidly and accurately. The apparatus may first receive a notification of loss associated with an insured item (e.g., car, boat, truck, home, etc.). The apparatus may then apply various algorithms for using sensors to identify, analyze, and estimate the cost of damage associated with the insured item. The sensors that are a part of the enhanced claims settlement server may include cameras, tactile sensors, electromagnetic sensors, etc. that may communicate data to a processor associated with the server. Once the data has been generated and analyzed by the sensors, a claim settlement file may be transmitted to a claimant.Type: GrantFiled: September 21, 2016Date of Patent: June 20, 2017Assignee: Allstate Insurance CompanyInventors: Thomas Joseph Wilson, II, Stephen Lawrence Ihm
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Patent number: 9665858Abstract: A method of managing a cardless payment transaction between a customer and a merchant includes receiving, from a device of a customer, an indication of consent to join the customer to a cardless payment transaction, where the cardless payment transaction is between one or more other customers and the merchant; receiving from the customer device, location data indicating that the customer device is in proximity with the merchant; joining the customer with the cardless payment transaction between the one or more other customers and the merchant; receiving transaction data between the merchant and each customer; and submitting, for each customer associated with the cardless payment transaction, a transaction between the merchant and the customer to a financial service for authorization.Type: GrantFiled: October 11, 2012Date of Patent: May 30, 2017Assignee: Square, Inc.Inventor: Abhay Kumar
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Patent number: 9613353Abstract: A method of entering a passcode is disclosed. In one embodiment, the method includes: calculating locations of tactile inputs on the input component to interact with the passcode entry interface based at least partially on the recorded motion readings; and determining the passcode based at least in part on the tactile inputs by mapping the tactile inputs to a geometric layout of interactive elements of the passcode entry interface.Type: GrantFiled: December 26, 2013Date of Patent: April 4, 2017Assignee: Square, Inc.Inventor: Oliver S. C. Quigley
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Patent number: 9582834Abstract: 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: GrantFiled: October 4, 2016Date of Patent: February 28, 2017Assignee: B3, LLCInventors: Paul Bradford Blessman, Robert Colton Biedenbach
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Patent number: 9569759Abstract: 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: GrantFiled: June 20, 2014Date of Patent: February 14, 2017Assignee: PAYPAL, INC.Inventor: Srinivas Gangapurkar
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Patent number: 9483796Abstract: 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: GrantFiled: May 4, 2016Date of Patent: November 1, 2016Assignee: B3, LLCInventors: Paul Bradford Blessman, Robert Colton Biedenbach
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Patent number: 9424606Abstract: An enhanced claims settlement apparatus may process insurance claims rapidly and accurately. The apparatus may first receive a notification of loss associated with an insured item (e.g., car, boat, truck, home, etc.). The apparatus may then apply various algorithms for using sensors to identify, analyze, and estimate the cost of damage associated with the insured item. The sensors that are a part of the enhanced claims settlement server may include cameras, tactile sensors, electromagnetic sensors, etc. that may communicate data to a processor associated with the server. Once the data has been generated and analyzed by the sensors, a claim settlement file may be transmitted to a claimant.Type: GrantFiled: April 27, 2012Date of Patent: August 23, 2016Assignee: Allstate Insurance CompanyInventors: Thomas Joseph Wilson, II, Stephen Lawrence Ihm
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Patent number: 9342850Abstract: Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. One of the disclosed embodiments is a method for generating a bid value for purchasing electricity in a market-based resource allocation system. In this embodiment, a desired performance value indicative of a user's desired performance level for an electrical device is received. Price information from an electricity futures market is received. A bid value for purchasing electricity from a local resource allocation market sufficient to operate the electrical device at the desired performance level is computed. In this embodiment, the computing is performed based at least in part on the desired performance value and based at least in part on the price information from the electricity futures market.Type: GrantFiled: March 18, 2013Date of Patent: May 17, 2016Assignee: Battelle Memorial InstituteInventors: David P. Chassin, Jason C. Fuller, Robert G. Pratt, Nirupama Prakash Kumar, Andrew R. Fisher
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Patent number: 9269108Abstract: Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. One of the disclosed embodiments is a method for generating a bid value for purchasing electricity in a market-based resource allocation system. In this embodiment, a desired performance value indicative of a user's desired performance level for an electrical device is received. Price information from an electricity futures market is received. A bid value for purchasing electricity from a local resource allocation market sufficient to operate the electrical device at the desired performance level is computed. In this embodiment, the computing is performed based at least in part on the desired performance value and based at least in part on the price information from the electricity futures market.Type: GrantFiled: March 18, 2013Date of Patent: February 23, 2016Assignee: Battelle Memorial InstituteInventors: David P. Chassin, Jason C. Fuller, Robert G. Pratt, Nirupama Prakash Kumar, Andrew R. Fisher
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Patent number: 9245297Abstract: Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. One of the disclosed embodiments is a method for generating a bid value for purchasing electricity in a market-based resource allocation system. In this embodiment, a desired performance value indicative of a user's desired performance level for an electrical device is received. Price information from an electricity futures market is received. A bid value for purchasing electricity from a local resource allocation market sufficient to operate the electrical device at the desired performance level is computed. In this embodiment, the computing is performed based at least in part on the desired performance value and based at least in part on the price information from the electricity futures market.Type: GrantFiled: April 28, 2011Date of Patent: January 26, 2016Assignee: Battelle Memorial InstituteInventors: David P. Chassin, Jason C. Fuller, Robert G. Pratt, Nirupama Prakash Kumar, Andrew R. Fisher
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Patent number: 9240026Abstract: Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. One of the disclosed embodiments is a method for generating a bid value for purchasing electricity in a market-based resource allocation system. In this embodiment, a desired performance value indicative of a user's desired performance level for an electrical device is received. Price information from an electricity futures market is received. A bid value for purchasing electricity from a local resource allocation market sufficient to operate the electrical device at the desired performance level is computed. In this embodiment, the computing is performed based at least in part on the desired performance value and based at least in part on the price information from the electricity futures market.Type: GrantFiled: March 18, 2013Date of Patent: January 19, 2016Assignee: Battelle Memorial InstituteInventors: David P. Chassin, Jason C. Fuller, Robert G. Pratt, Nirupama Prakash Kumar, Andrew R. Fisher
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Patent number: 9002732Abstract: A computerized method and system for keeping popular advertisements active are provided. Example embodiments may include identifying one or more expiring online content from a plurality of online contents. A popularity of the one or more expiring online content may be determined; and an expiration date of the one or more expiring online content may be extended based on the popularity.Type: GrantFiled: April 14, 2008Date of Patent: April 7, 2015Assignee: eBay Inc.Inventor: Sergey Petrov
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Patent number: 8805704Abstract: Disclosed is a novel insurance product that provides additional reinsurance coverage to mitigate risks associated with catastrophic events which adversely affect property and casualty insurance rates. The reinsurance product contains one or more tiers of protection which allows a purchaser to vary the coverage related to one or more catastrophic events, such as an earthquake, a hurricane, or a flood.Type: GrantFiled: October 25, 2007Date of Patent: August 12, 2014Assignee: Hartford Fire Insurance CompanyInventors: Christopher M. Lewis, Richard L. Alleyne
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Patent number: 8781954Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.Type: GrantFiled: February 23, 2012Date of Patent: July 15, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Venkat Varadachary
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Patent number: 8768802Abstract: A system and method for matching transaction records to merchant records of a merchant profile database is provided, the transaction records containing transaction data of financial presentation devices that are presentable to a plurality of merchants, the transaction data including merchant identifying data that identifies the merchant for the transaction. The system includes a memory storing a plurality of transaction records, a merchant profile database storing a plurality of merchant profile records, a processor, and a match logic module executable by the processor and adapted to recognize a plurality of variations in the merchant identifying data contained in the transaction records, the match logic module operable to match each of the transaction records to an associated merchant profile record in the merchant profile database according to the recognized variations in the merchant identifying data.Type: GrantFiled: December 3, 2009Date of Patent: July 1, 2014Assignee: Visa U.S.A. Inc.Inventors: Traci Engle, Bryan Carroll
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Patent number: 8768811Abstract: A server computer and a multitude of client computers form a network computing system that is scalable and adapted to continue to evaluate the performance characteristics of a number of genes generated using a software application. Each client computer continues to periodically receive data associated with the stored genes stored in its memory. Using this data, the client computers evaluate the performance characteristic of their genes by comparing a solution provided by the gene with the periodically received data associated with that gene. Accordingly, the performance characteristic of each gene may be updated and varied with each periodically received data. The performance characteristic of a gene defines its fitness. The genes may be virtual asset traders that recommend trading options. The genes may be assigned initially to different classes to improve convergence but may later be decided to merge with genes of other classes to improve diversity.Type: GrantFiled: April 28, 2010Date of Patent: July 1, 2014Assignee: Genetic Finance (Barbados) LimitedInventors: Babak Hodjat, Hormoz Shahrzad
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Patent number: 8762241Abstract: 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: GrantFiled: September 10, 2010Date of Patent: June 24, 2014Assignee: Ebay Inc.Inventor: Srinivas Gangapurkar
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Patent number: 8762238Abstract: Transaction-based interactions are facilitated using recurring transaction processing approaches. According to an example embodiment of the present invention, recurring transactions are managed using rules applicable to parties to the transactions (e.g., as can be automatically associated with the recurring transactions based on information in the transactions and the rules). In this regard, transaction information is processed in accordance with rules characterizing the recurring nature of the transaction to which the information applies. Such transaction recurrence may be implemented, for example, using a cyclic, event-driven or other recurring type of condition. Payment related aspects of the transaction are also carried out based on the transaction processing and related recurring characteristics.Type: GrantFiled: June 9, 2005Date of Patent: June 24, 2014Assignee: Syncada LLCInventors: Dean W. Hahn-Carlson, Kevin M. Armstrong