Patents Examined by Ryan D Donlon
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Patent number: 11010763Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for transmitting push notification data to a computing device, the push notification data being processable by the computing device to display a push notification, receiving biometric data, the biometric data being provided from user input responsive to the push notification, determining that a user providing the user input is authenticated at least partially based on the biometric data, and inducing execution of a transaction in response to determining that the user is authenticated.Type: GrantFiled: September 27, 2016Date of Patent: May 18, 2021Assignee: United Services Automobile Association (USAA)Inventor: Ryan Fillinger
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Patent number: 10817940Abstract: An apparatus, method, and non-transitory medium for betting on weather predictions are disclosed herein. A plurality of longitude and latitude coordinate pairs may be received from a remote device. The display device may render data on a graphical user interface representing a binary option based on whether a storm will make landfall within the certain radius. The display device may show a plurality of landfall probabilities on the map. A request to purchase the binary option may be received. It may be determined whether the landfall location corresponds to a zip code associated with the given longitude latitude pair in the memory.Type: GrantFiled: June 26, 2017Date of Patent: October 27, 2020Assignee: CFPH, LLCInventor: Rich Jaycobs
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Patent number: 10692136Abstract: A system and method for opening an account at an institution. First information of a user may be received from a mobile device, and second information of the user may be received from the mobile device, the second information being converted from an image of a primary document. The first information may then be validated against the second information, and an account opened for the user if the first information validates against the second information. The step of receiving first information may include receiving optical character recognition data converted from an image of a secondary document such as a driver's license. The step of receiving second information may include receiving optical character recognition data converted from an image of the primary document such as a personal check, a debit card, a credit card, etc.Type: GrantFiled: September 21, 2012Date of Patent: June 23, 2020Assignee: CAPITAL ONE SERVICES, LLCInventor: David Pinski
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Patent number: 10672077Abstract: Pursuant to some embodiments, systems, methods, apparatus and computer program code for proactive underwriting are provided. Pursuant to some embodiments, a computer implemented processing method is provided which includes identifying, by an insurance processing platform, an action by an entity that matches at least a first trigger rule. A proactive underwriting template is selected based on the at least first trigger rule, where the proactive underwriting template defines a number of data items required to complete the proactive underwriting template. The insurance processing platform is operated to automatically collect data associated with the plurality of required data items, and to perform a proactive underwriting analysis using the collected data. An underwriting determination is then rendered based on the proactive underwriting analysis.Type: GrantFiled: June 14, 2013Date of Patent: June 2, 2020Assignee: Hartford Fire Insurance CompanyInventors: Ryan Owen Denning, Mushter Munib Moin, Deborah L. Perschy
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Patent number: 10621678Abstract: Systems, methods and articles of manufacture for preparing an electronic tax return for a taxpayer which automatically access tax documents from sources of tax documents, such as financial institutions at which the taxpayer has an account. The system receives a request from a tax preparer for tax data regarding a taxpayer. The system analyzes a prior year tax return for the taxpayer and identifies tax documents used to prepare the tax return. The system identifies the source and the type of tax document. The system generates a request to the taxpayer to access the tax documents for the current tax year. The request allows the taxpayer to provide account credentials to access the tax documents from the source. The system accesses the tax documents from the source using the account credentials. The system converts the tax documents into a standard data structure which is automatically imported into a tax return.Type: GrantFiled: January 25, 2017Date of Patent: April 14, 2020Assignee: INTUIT INC.Inventors: Kissoon John Ramotar, Steven Karl Wheelis, Lior Y. Sharon, Preetha Veeraraghavan
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Patent number: 10496981Abstract: Peer-to-peer type communications are facilitated in a secure communication device. As consistent with one or more example embodiments, near-field communications are effected (150, 152) using a secure payment protocol conforming to a predefined certification standard for the secure payment protocol (100). Communication operability is transmitted (152) under the secure payment protocol and used to identify other protocols/applications under which communications can be effected. This information is used to effect P2P protocol communications (160), where applicable, and to do so while complying with the secure payment protocol.Type: GrantFiled: June 4, 2013Date of Patent: December 3, 2019Assignee: NXP B.V.Inventor: Jeremy Geslin
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Patent number: 10430845Abstract: A purchase request system efficiently procures goods and services by recognizing purchase authority levels of users within an enterprise, division, or project team. Administrators establish authority levels to ensure that purchase requests within a user's authority level are automatically processed and submitted to vendors for fulfillment of orders, while purchase requests beyond a user's authority level are routed according to a determined protocol. Determined protocols include routing the purchase request to a designated user with a different authority level for disposition, rejection of the purchase request, or modification of the purchase request in accordance with the determined protocol. Users may select from multiple payment methods to complete a purchase transaction and may access the purchasing system in real time to determine the status of an order at any point in the life cycle of the purchase request, from submission of the request to payment for received goods and services.Type: GrantFiled: October 23, 2006Date of Patent: October 1, 2019Assignee: ADVENTIVE, INC.Inventors: David A. Koretz, Rob Chamberlin, James Simpson
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Patent number: 10304063Abstract: A method (400, 500) of advertising. The method can include communicating to a client (106) a hyperlink corresponding to a virtual world (300) and associating with the hyperlink an identifier corresponding to an advertisement (302) to be presented to a user (108) in the virtual world during a user session. The method also can include identifying an identifier (114) corresponding to an advertisement to be displayed in a virtual world during a user session in response to receiving a request (116) from a client identifying a uniform resource identifier corresponding to the virtual world, and presenting the advertisement within the virtual world during the user session. A method (600) of providing financial incentives for advertising can include receiving an advertising activity indicator (120, 122) and processing the advertising activity indicator to determine financial incentives to be provided to an entity associated with the website.Type: GrantFiled: December 12, 2007Date of Patent: May 28, 2019Assignee: Google Technology Holdings LLCInventor: Stuart S. Kreitzer
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Patent number: 10242359Abstract: A method and/or computer program product generates and displays a secondary currency value derived from an initial currency value that is presented in an electronic publication on an electronic display. An electronic publication, which is an unstructured text document that includes an initial currency value that is based on a monetary currency, is received. The unstructured text document is data mined to determine a temporal context of the initial currency value. The temporal context describes a first time period during which the initial currency value was utilized in the electronic publication. The initial currency value is extracted from the electronic publication and converted into a secondary currency value that is based on the monetary currency. The secondary currency value, which is derived for a second time period, is displayed in the electronic publication while the electronic publication is being displayed on an electronic display.Type: GrantFiled: March 18, 2015Date of Patent: March 26, 2019Assignee: International Business Machines CorporationInventors: James E. Bostick, John M. Ganci, Jr., Sarbajit K. Rakshit, Craig M. Trim
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Patent number: 10019762Abstract: A computer implemented method for determining one or more idling time windows from a vehicle trip is presented. A data server may receive, via a computer network, a plurality of telematics data originating from a client computing device and identify primary movement data from the plurality of telematics data. The data server may also measure a total variance from the plurality of telematics data at one or more time stamps and determine an average total variance for an entire trip from the plurality of telematics data. The data server may further normalize total variance at the one or more time stamps using the generated average and determine one or more idling time windows from the normalized total variance.Type: GrantFiled: May 15, 2014Date of Patent: July 10, 2018Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Sunish Shreenarayan Menon, David James Dosher, Scott Thomas Christensen
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Patent number: 10007902Abstract: In one aspect, the present application is directed to a communications network, a computer system, a computer-implemented method, and a computer program product for providing a femtocell-based infrastructure for mobile electronic payment. In an aspect, the communications network may include a mobile operator network; a local area in the mobile operator network, wherein the local area is under coverage of at least one femtocell; and a femtocell-based payment system connected to the mobile operator network, wherein the femtocell-based payment system is operable to provide mobile electronic payment via a user device recognized by the at least one femtocell within the local area and notified by the femtocell-based payment system.Type: GrantFiled: February 4, 2014Date of Patent: June 26, 2018Assignee: ACCENTURE GLOBAL SERVICES LIMITEDInventors: Giuseppe Capuozzo, Gianluca D'Angelo, Orlando Onorato, Alessandro Imparato, Daniele D'Errico
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Patent number: 10002303Abstract: A method and system are disclosed for identifying in real time duplicate financial documents processed by a financial institution or check clearinghouse. A collection of hash values representative of previously processed financial documents are maintained in a memory, such as a GPU memory. When a new financial document enters the financial institution or check clearinghouse for processing, one or more features of the financial document are captured. A hash value is generated from the one or more features of the financial document. A search is performed in the collection of hash values for a matching hash value. If a match is found, a potential fraudulent event or operational error may be indicated. If a match is not found, the hash value representative of the new financial document is added to the collection of hash values.Type: GrantFiled: May 14, 2012Date of Patent: June 19, 2018Assignee: SYMCOR INC.Inventors: John Wall, Paul van den Ende, Brian Salway, John Loeser, Edward Jose Mamede, Felix Chih-Han Wu, Marius Dan Stroe
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Patent number: 10002392Abstract: The technology disclosed relates to manipulating and visualizing database objects that represent layers and parts of layers in an insurance or other risk transfer program. In particular, a special purpose database system replaces manual use of spreadsheets and supports data visualization. The technology disclosed provides systems and methods for processing and displaying database objects that build a composite coverage structure capable of representing a complex program of multiple insurance policies or other risk transfer instruments during planning and placement. Reporting from the database of progress against the composite coverage structure and updating objects using a visual interface are described.Type: GrantFiled: April 17, 2015Date of Patent: June 19, 2018Assignee: OnRisk, Inc.Inventors: Francis Joseph Sweeney, John Arthur Daves Kelley, William Harvey
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Patent number: 9996878Abstract: A vehicle is engineered in which a piece of hardware, an in-vehicle display, is installed and through which an insured may interface with various insurance modules. The in-vehicle display presents various pieces of graphical user interface to assist the insured in operating the vehicle depending on driving exigencies and circumstances, so as to improve vehicle technologies.Type: GrantFiled: March 11, 2015Date of Patent: June 12, 2018Assignee: LIBERTY MUTUAL INSURANCE COMPANYInventors: Michael Scott Fox, Brian Stephen Piccolo
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Patent number: 9965756Abstract: To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer's point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed.Type: GrantFiled: March 11, 2013Date of Patent: May 8, 2018Assignee: Digimarc CorporationInventors: Bruce L. Davis, Tony F. Rodriguez
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Patent number: 9846876Abstract: The invention concerns a system for exchanging a ticket with chips and vice versa, applies a ticket or voucher system to a gaming table in a casino and comprises an accounting system.Type: GrantFiled: December 18, 2012Date of Patent: December 19, 2017Assignee: COUNT R GMBHInventor: Rainer Seyer
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Patent number: 9842368Abstract: The disclosure details the implementation of an APPARATUSES, METHODS AND SYSTEMS FOR A HIGH DENSITY FINANCIAL ASSET INFORMATION DISPLAY. The disclosure teaches a High Density Financial Asset Information Display which provides a high density, straightforward, unified, compact, dynamic and comprehensive display interface that presents users with a high volume of easy to understand financial asset information including the current buy and sell prices, the current price direction, the amount of time the asset pair is traded at each price, and the change in price over multiple time frames. The High Density Financial Asset Information Display is dynamically updated with the latest financial information and is formatted to convey relevant changes in the information of interest in a way that is easily understood by users.Type: GrantFiled: October 3, 2013Date of Patent: December 12, 2017Assignee: Goldman Sachs & Co. LLCInventor: Stephen Richard Schonberg
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Patent number: 9836787Abstract: One or more financial accounts associated with a user are designated for balance monitoring and balance display. Balance increments are then defined and a unique balance indicator image, symbol, or display, is associated with each defined balance increment. One or more websites, and/or applications, are then designated to display the balance indicator images, symbols, or displays, and whenever one of the designated websites or applications is accessed, data indicating a current balance in the designated one or more financial accounts is obtained. The current balance amount is then encoded using the appropriate balance indicator image, symbol, or display, and the appropriate balance indicator image, symbol, or display, is displayed on a display device associated with the user computing system as part of, on, in, or through, the accessed designated website or application.Type: GrantFiled: October 14, 2011Date of Patent: December 5, 2017Assignee: Intuit Inc.Inventors: Matthew James Homier, Patricia Powell
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Patent number: 9830588Abstract: To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer's point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed.Type: GrantFiled: April 29, 2013Date of Patent: November 28, 2017Assignee: Digimarc CorporationInventors: Bruce L. Davis, Tony F. Rodriguez
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Patent number: 9406089Abstract: Methods, systems and computer program products for processing video of tax documents and associated verbal input provided by a user and populating at least a portion of an electronic tax return with processing results. A video/voice processor associated with a tax return preparation application executed by a computing apparatus such as mobile communication device receives a video of a tax document and voice data. The document type is determined using video and/or voice data. Voice to text conversion can be used to determine what a user said about the document to determine the document type. Tax data determined from the video is used to populate a field of the electronic tax return. A front facing camera may be used to take a video of a tax document while a rear facing camera is used to detect a facial expression, which may result in certain dialogue with the user.Type: GrantFiled: April 30, 2013Date of Patent: August 2, 2016Assignee: INTUIT INC.Inventors: Kenichi Mori, Justin C. Marr, Catherine M. H. Harriss