Patents Examined by Scott S. Trotter
  • Patent number: 10275831
    Abstract: Disclosed is a system implementing smart beta factor deposition based on assets in an existing portfolio. The system typically includes a processor, a memory, and a module stored in the memory. The module is typically configured to: retrieve factor data for one or more securities associated with an existing portfolio; determine a score for beta factor models for the securities; receive threshold conditions associated with the existing portfolio; defining a plurality of factor sleeves for an investment portfolio; for each factor sleeve's beta factor model, determine a score of each of a plurality of securities; select one or more securities based on the score of each security according to the factor sleeve's beta factor model and the score of each of the securities in the existing portfolio until the factor sleeve's size has been reached; and combine the positions of each factor sleeve to create the investment portfolio.
    Type: Grant
    Filed: June 19, 2015
    Date of Patent: April 30, 2019
    Assignee: Bank of America Corporation
    Inventor: Steven K. Stearns
  • Patent number: 10248954
    Abstract: One embodiment of the present invention provides a system that facilitates identity verification based on various features of a card. During operation, a server receives a request for identity verification, where the request corresponds to an account and includes an image of a verifiable card. The server extracts a card feature from the verifiable card image for use as a verifiable card feature. In response to determining that the verifiable card feature matches a corresponding card feature of a registered card of the account, the server determines successful identity verification.
    Type: Grant
    Filed: June 15, 2015
    Date of Patent: April 2, 2019
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Weian Jin, Jie Zhang
  • Patent number: 10242365
    Abstract: A domain-specific hardwired symbolic eCommerce machine is described that processes information via the hardwired mapping of symbols from one or more domains onto other such domains, computing and communicating with improved security and reduced power consumption because it has no CPU, no Random Access Memory (RAM), no instruction registers, no Instruction Set Architecture (ISA), no operating system (OS) and no applications programming. The machine provides web services by recognizing legal requests such as HTTP POST request and responding with an HTML web page. In some embodiments, the machine has no unconstrained RAM into which malware may insert itself and needs no anti-virus software.
    Type: Grant
    Filed: August 13, 2015
    Date of Patent: March 26, 2019
    Assignee: Hackproof Technologies Inc.
    Inventor: Joseph Mitola, III
  • Patent number: 10223674
    Abstract: The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.
    Type: Grant
    Filed: February 15, 2012
    Date of Patent: March 5, 2019
    Assignee: Riavera Corp.
    Inventor: Mark Itwaru
  • Patent number: 10223662
    Abstract: Generating a filtered view of an insurance product model is disclosed. A master insurance product model comprising a plurality of insurance policy elements is accessed. Each insurance policy element has a set of one or more availability indicators that indicate one or more conditions under which the insurance policy element is available. A specification of a set of filtering criteria specifying at least one value corresponding to at least one of the set of availability indicators is obtained. The master insurance product model is examined using the set of filtering criteria to generate a resulting insurance product model, wherein the resulting insurance product model is used as a basis for generating specific insurance policies. The resulting insurance product model is presented in a display.
    Type: Grant
    Filed: May 7, 2014
    Date of Patent: March 5, 2019
    Assignee: Guidewire Software, Inc.
    Inventors: Matthew Carl Hamilton, Marilyn Joyce Schneider Hollinger, Diana Elizabeth Jaffe
  • Patent number: 10210498
    Abstract: A method performed by a smart appliance includes linking the smart appliance to a financial account of a user. The method also includes monitoring an operation parameter of the smart appliance, and detecting an operational issue of the smart appliance based on the operation parameter. In addition, the method includes communicating the operational issue to a smart appliance payment system. The method further includes detecting, based on the operation parameter, resolution of the operational issue upon completion of a service event on the smart appliance. Still further, the method includes transferring payment for the service event from the financial account of the user upon detecting the resolution of the operational issue.
    Type: Grant
    Filed: February 2, 2015
    Date of Patent: February 19, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Uma Meyyappan, Sivesh Thangarajah, James Dalton Cahill, Ramanathan Ramanathan, Bipin Sahni
  • Patent number: 10204382
    Abstract: A method and system identifies users who benefit from filing itemized deductions over standardized deductions to reduce an average time consumed for users preparing tax returns with a tax return preparation system, according to one embodiment. The method and system receives user data that is associated with a user, and applies the user data to a predictive model to cause the predictive model to determine a likelihood that the user will decrease his/her taxable income by filing an itemized deduction, according to one embodiment. The method and system deemphasizes and/or postpones the presentation of tax return questions that are related to the itemized deduction, if the likelihood that the user will decrease his/her taxable income by filing the itemized deduction is below a threshold, to reduce a quantity of time consumed by the user to prepare his/her tax return with a tax return preparation system, according to one embodiment.
    Type: Grant
    Filed: May 29, 2015
    Date of Patent: February 12, 2019
    Assignee: Intuit Inc.
    Inventors: Yao H. Morin, Massimo Mascaro, Preetam Kumar Ojha
  • Patent number: 10186000
    Abstract: A system, method and media for providing a simplified, personalized tax interview to a user preparing a tax return for a taxpayer by determining which portions of a full tax interview are relevant to the return being prepared and then presenting only those relevant portions to the user. To make this determination, one or more prototypes (each representing one or more underlying characteristics associated with the return that inform the relevant portions of the tax interview) are determined for the return based on information already known before the tax interview is presented and may be updated based on information entered during the tax interview.
    Type: Grant
    Filed: February 24, 2015
    Date of Patent: January 22, 2019
    Assignee: HRB Innovations, Inc.
    Inventors: Jason Houseworth, Heather Watts, Daniel D. Martin
  • Patent number: 10181122
    Abstract: Systems and methods for mobile authentication for web payments are disclosed. In some implementations, a proxy server receives, from a computing device different from a mobile device, a request from a user to process a web payment via a payment account associated with the mobile device, the web payment being associated with an online merchant. The proxy server verifies that the mobile device is associated with the user. The proxy server transmits, to a commerce server of the online merchant, payment information for the web payment in response to verifying that the mobile device is associated with the user.
    Type: Grant
    Filed: October 31, 2013
    Date of Patent: January 15, 2019
    Assignee: Cellco Partnership
    Inventors: Mohammad Raheel Khalid, Ji Hoon Kim, Cory Michael Bruno, Paul Berman, Mauricio Pati Caldeira de Andrada, Samir Vaidya
  • Patent number: 10176534
    Abstract: A method and system improve retention of a user of a tax return preparation system by personalizing a tax return preparation interview with questions that are at least partially based on user data processed by one or more predictive models, according to one embodiment. The method and system include receiving user data that is associated with a user, and applying the user data to one or more predictive models to cause the one or more predictive models to generate predictive output data, according to one embodiment. The predictive output data are scores for a subset of questions, and scores represent a relevance to the user of each of the subset of questions, according to one embodiment. The method and system include presenting selected ones of the subset of questions to the user, at least partially based on the scores, to personalize a tax return preparation interview for the user.
    Type: Grant
    Filed: April 20, 2015
    Date of Patent: January 8, 2019
    Assignee: Intuit Inc.
    Inventors: Massimo Mascaro, Yao H. Morin
  • Patent number: 10169828
    Abstract: A method and system applies analytics models to a tax return preparation system to determine a likelihood of qualification for an earned income tax credit by a user, according to one embodiment. The method and system receive user data and applying the user data to a predictive model to cause the predictive model to determine, at least partially based on the user data, a likelihood of qualification for an earned income tax credit for the user, according to one embodiment. The method and system display, for the user, an estimated tax return benefit to the user, at least partially based on the likelihood of qualification for the earned income tax credit exceeding a predetermined threshold, to reduce delays in presenting estimated earned income tax credit benefits to the user during a tax return preparation session in a tax return preparation system, according to one embodiment.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: January 1, 2019
    Assignee: Intuit Inc.
    Inventors: Yao H. Morin, Massimo Mascaro, Preetam Kumar Ojha, Joel R. Minton
  • Patent number: 10140628
    Abstract: Example methods, apparatus, systems and machine readable media are disclosed herein for analyzing response data from subjects exposed to media. An example method includes collecting electroencephalography data from a brain of a subject exposed to an advertisement. The example method also includes determining neuro-response data from the electroencephalography data, the neuro-response data representative of interaction between a first frequency band and a second frequency band of the electroencephalography data, the second frequency band being different than the first frequency band. In addition, the example method includes determining resonance to the advertisement based on the neuro-response data and identifying one or more priming levels for one or more locations in a source material based on an attribute of the source material. The example method also includes selecting a first one of the one or more locations for inclusion of the advertisement based on the resonance and the priming levels.
    Type: Grant
    Filed: December 28, 2012
    Date of Patent: November 27, 2018
    Assignee: The Nielsen Company, (US), LLC
    Inventors: Anantha Pradeep, Robert T. Knight, Ramachandran Gurumoorthy
  • Patent number: 10134040
    Abstract: Embodiments of the invention relate in part to determining a testing model and providing a testing transaction score for transactions. The testing transaction score may indicate a likelihood that the transaction is a testing transaction. One embodiment of the invention discloses a method comprising receiving a first authorization message for a first transaction using an account, determining a testing transaction score for the first transaction using a testing model, and determining that the first transaction is a testing transaction based on the testing transaction score, wherein the testing transaction score for the first transaction is used for declining a second transaction using the same account conducted after the first transaction.
    Type: Grant
    Filed: April 28, 2014
    Date of Patent: November 20, 2018
    Assignee: Visa International Service Association
    Inventors: Charles Ding, Aoyu Chen, Suyun Xu, Kevin Siegel
  • Patent number: 10127572
    Abstract: Example methods, apparatus, systems and machine readable media are disclosed herein for selecting advertisement or entertainment location based on neuro-response data. An example method includes analyzing first neuro-response data from a first subject exposed to source material. The example method also includes identifying a candidate location in the source material for introduction of an advertisement or entertainment based on the first neuro-response data. In addition, the example method includes analyzing second neuro-response data from at least one of the first subject and a second subject exposed to a combination of the source material and the advertisement or entertainment inserted in the candidate location. The example also includes determining an effectiveness of the advertisement or entertainment based on the second neuro-response data.
    Type: Grant
    Filed: December 28, 2012
    Date of Patent: November 13, 2018
    Assignee: The Nielsen Company, (US), LLC
    Inventors: Anantha Pradeep, Robert T. Knight, Ramachandran Gurumoorthy
  • Patent number: 10127533
    Abstract: Managing user devices associated with a digital wallet account comprises associating, using one or more computing devices, one or more user computing devices with a digital wallet account of a user, each of the associated one or more user computing devices being activated to conduct financial transactions with a merchant utilizing the digital wallet account; presenting the associated user computing devices in a list of associated user computing devices; receiving a request to deactivate a particular user computing device from the list of associated user computing devices; deactivating the particular user computing device, the deactivation being sufficient to prevent the user computing device from conducting transactions with a merchant utilizing the digital wallet account; and presenting a deactivated status of the particular user computing device.
    Type: Grant
    Filed: December 30, 2012
    Date of Patent: November 13, 2018
    Assignee: GOOGLE LLC
    Inventors: Mark William Andrews, Peter Malcolm Gwinn, Erick John Armbrust, Petra Cross, Christopher Michael Petersen
  • Patent number: 10115163
    Abstract: An insurance policy management system for administering and managing insurance inquiries related to disability and leave management via an interactive voice response platform that communicates with combined short term disability/leave management resources and clinical intake nurse resources.
    Type: Grant
    Filed: December 23, 2013
    Date of Patent: October 30, 2018
    Assignee: Hartford Fire Insurance Company
    Inventors: Sarah Elizabeth Bailey, Elizabeth Monique Collins-Mashkovich, Christopher W. Lancaster
  • Patent number: 10109018
    Abstract: Audit performance systems and methods can be used to provide objective assessment of the performance of claim administrators. Data from audits performed by one or more insurance broker consultants can be input into the audit performance system, and analyzed, to generate reports that compare the performance of a selected claim administrator to an industry standard level of performance or to one or more other claim administrators.
    Type: Grant
    Filed: July 5, 2017
    Date of Patent: October 23, 2018
    Assignee: Aon Global Operations Limited (Singapore Branch)
    Inventors: Kevin Combes, Paul Braun, Larry Joe Galusha
  • Patent number: 10102585
    Abstract: Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.
    Type: Grant
    Filed: April 22, 2015
    Date of Patent: October 16, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ronny S. Bryant, Shawn M. Call, Daryoush Hakimi-Boushehri, John H. Weekes, Jennifer Criswell, Todd Binion, Jackie O. Jordan, II, Elisabeth McDermeit, John Donovan
  • Patent number: 10102590
    Abstract: This disclosure relates to gathering, storing, analyzing and distributing data acquired by unmanned vehicles after catastrophes. The vehicles can be terrestrial, aerial, nautical, or multi-mode. The gathering phase of the process may being by receiving requests from the interested consumers as to the type of information desired, and this information is used to determine and/or configure the mission. The storage phase may include pre-processing data during the mission, and optionally storing the data in a cloud network. The analysis phase may be performed vehicle-side, server-side, or a combination thereof.
    Type: Grant
    Filed: October 2, 2015
    Date of Patent: October 16, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Scott Farnsworth, Justin Dax Haslam, Kathleen L. Swain, Teddy Joseph Edmond Voutour, Jess W. Gingrich, Michael J. Allen, Anthony G. Castiglione, Jordan A. Newmark
  • Patent number: 10089476
    Abstract: Customers of a service provider are able to provision compartments of the accounts. The both the accounts and the compartments, in some embodiments, may have associated computing resources and identities. One or more identities of the account may be authorized to perform administrative operations in the compartment. Identities of the compartment may lack the ability to perform any administrative actions outside of the compartment but inside of the account.
    Type: Grant
    Filed: June 3, 2014
    Date of Patent: October 2, 2018
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventors: Gregory Branchek Roth, Anders Samuelsson, Bradley Jeffery Behm