Patents Examined by Scott S. Trotter
  • Patent number: 12046112
    Abstract: A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.
    Type: Grant
    Filed: January 5, 2023
    Date of Patent: July 23, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Orsolya Oldroyd, Paul Vittimberga
  • Patent number: 12045822
    Abstract: Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.
    Type: Grant
    Filed: March 24, 2022
    Date of Patent: July 23, 2024
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Bhagya Lakshmi Sudha Lavanya Mallidi, Puneetha Polasa, Sandeep Kumar Chauhan
  • Patent number: 12039621
    Abstract: An integrated computerized system, method, and non-transitory computer readable media oriented to mobile computerized devices such as tablet computers and Smartphones, for assisting users in conducting site visits and tours to various real properties of interest. The method comprises various software modules, including software modules to assist in various numeric comparative property evaluation schemes, modules to automatically present building floor plans and other information at defined tour locations, and modules to show images or CAD drawings of proposed property modifications (often using augmented reality techniques). Other modules may additionally help manage the tour, including semi-automatic notification of tour itinerary changes, management of tour route instructions, and audio or text narration during selected portions of the tour.
    Type: Grant
    Filed: November 12, 2021
    Date of Patent: July 16, 2024
    Inventor: Donald Charles Catalano
  • Patent number: 12028357
    Abstract: In some aspects, a computing system can generate entity links between a primary entity object identifying a primary entity for multiple accounts and secondary entity objects identifying secondary entities from the accounts. The computing system can determine a rate at which secondary users change on the accounts. The computing system can update, based on the determined rate, the primary entity object to include a fraud-facilitation flag. The computing system can also service a query from a client system regarding a presence of a fraud warning for a target consumer associated with a consumer system that accesses a service provided with the client system. For instance, the computing system can generate a fraud warning based on the target consumer being identified in a secondary entity object associated with the primary entity object having the fraud-facilitation flag. The computing system can transmit the fraud warning to the client system.
    Type: Grant
    Filed: July 22, 2022
    Date of Patent: July 2, 2024
    Assignee: EQUIFAX INC.
    Inventors: Chris Brown, Rakesh Patel, John Mullinax, Troy Cole, Julio Farach, Lee Grice, Patrick Wadkins, Erik Strong, Cordell Boynes
  • Patent number: 12014351
    Abstract: A transaction is detected on a transaction terminal. A first code is presented on a display of the transaction terminal that is encoded with an identifier and a passcode for a wireless connection between the transaction terminal and a mobile device operated by a customer. The mobile device processes the code to wirelessly connect to the transaction terminal using the identifier and the passcode. A second code is presented on a display of the transaction terminal. The second code when captured by the mobile device causes a transaction interface to be remoted from the transaction terminal to the mobile device over the wireless connection. The transaction continues with interactions provided on the mobile device and processed on the transaction terminal without any customer touching of the display of the transaction terminal and without any customer touching of any keys or keypad of the transaction terminal.
    Type: Grant
    Filed: December 3, 2021
    Date of Patent: June 18, 2024
    Assignee: NCR Corporation
    Inventors: William Harrison McGraw, IV, Deepak Aladahalli Puttaswamy, Michael David Hartman
  • Patent number: 12014419
    Abstract: Systems and methods are provided for processing multi-dimensional orders. A data transaction request message is received at a data transaction system. The data transaction request message includes data representative of at least a first function for a first attribute of a commodity and a second function for a second attribute of the commodity. The data transaction system identifies a set of solutions described by the first function and the second function. The set of solutions including values for different variations of the object that the participant who submitted the data transaction request message is willing to offer or receive for the respective variation. The data transaction system attempts to match one or more of the values from the set of solutions to previously received but unsatisfied electronic data transaction request messages counter thereto stored in an order book data structure.
    Type: Grant
    Filed: April 20, 2022
    Date of Patent: June 18, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Carrick John Pierce, David Nathaniel Hoff
  • Patent number: 12014377
    Abstract: Methods, apparatus, systems and articles of manufacture to securely handle chip card data are disclosed. An example method includes providing, by executing an instruction with a first processor of a client device, an application programming interface (API) in a web client of the client device, in response to detecting, in the web client at the client device, a query from a server for card data, operating, by executing an instruction with the first processor of the client device, the API in the web client at the client device to obtain the card data stored on a chip of a chip card communicatively coupled to the client device, and sending, by executing an instruction with the first processor of the client device, the card data to the server.
    Type: Grant
    Filed: November 1, 2021
    Date of Patent: June 18, 2024
    Assignee: INTEL CORPORATION
    Inventors: Josh Triplett, Philip Hanson, Justin Moore
  • Patent number: 12008538
    Abstract: Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.
    Type: Grant
    Filed: September 21, 2022
    Date of Patent: June 11, 2024
    Assignee: PAYMENTUS CORPORATION
    Inventor: Dushyant Sharma
  • Patent number: 12008646
    Abstract: The present embodiments relate to intelligently throttling a modification message based on a period of time that a trade order is required to remain in a market. In an embodiment, intelligently throttling a modification message includes intelligently selecting a transmission time of a modification message based on a period of time that a trade order is required to remain in a market. The modification message is transmitted at the selected time to ensure that the modification order is received at an electronic exchange at or shortly after, but not before, the period of time has expired. As a result, the modification order is accepted (e.g., not rejected) by the electronic exchange. The modification order does not need to be resent to the electronic exchange.
    Type: Grant
    Filed: June 22, 2022
    Date of Patent: June 11, 2024
    Assignee: Trading Technologies International, Inc.
    Inventor: Michael Unetich
  • Patent number: 12002038
    Abstract: A processing unit and a mobile identity information controlled financial account device may communicate. The processing unit receives at least one digital representation of a biometric, obtains identity information using the at least one digital representation of the biometric, and determines whether or not to transmit an authorization signal to the mobile identity information controlled financial account device that enables use of the mobile identity information controlled financial account device in at least one transaction involving at least one financial account. The mobile identity information controlled financial account device may be usable for the at least one transaction when the mobile identity information controlled financial account device receives the authorization signal.
    Type: Grant
    Filed: January 24, 2023
    Date of Patent: June 4, 2024
    Assignee: SECURE IDENTITY, LLC
    Inventors: Matthew Snyder, Joe Trelin
  • Patent number: 12002305
    Abstract: A vehicle analytics (VA) computing device may be configured to: (i) receive, from the connected vehicle, telematics data corresponding to the connected vehicle; (ii) identify a plurality of trips of the vehicle based upon the telematics data; (iii) store the telematics data corresponding to each trip of the plurality of trips in a database in association with a trip identifier corresponding to the trip; (iv) determine, for each of the plurality of trips, a number of passengers present in the vehicle; (v) store the determined number of passengers in the database in association with the trip identifier corresponding to the trip; and (vi) calculate an insurance premium associated with an insurance policy based upon the determined number of passengers in the vehicle.
    Type: Grant
    Filed: February 3, 2020
    Date of Patent: June 4, 2024
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Ryan Michael Gross, Joseph Robert Brannan, Brian N. Harvey
  • Patent number: 11995636
    Abstract: Provided, in an aspect, is a method for performing an online transaction using a graphical construct. The method can include receiving, by a client device, inputs to generate the graphical construct; transmitting to a server in communication with the client device, a request to generate the graphical construct; receiving, by the client device, the generated graphical construct and a summary information from the server; displaying, through a user interface of the client device, a summary screen including the generated graphical construct and the summary information; embedding, by the client device, the generated graphical construct on a third-party application running on the client device; sending, by the client device, a transaction request to perform the online transaction using the generated graphical construct; and presenting for display, through the user interface of the client device, a notification including a status of the online transaction.
    Type: Grant
    Filed: August 15, 2022
    Date of Patent: May 28, 2024
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 11995624
    Abstract: This disclosure describes, in part, a payment service that associates customer profiles with an identifier of a payment instrument, and then uses the customer profiles to identify a customer that is using the payment instrument during a transaction with a merchant. For instance, in some examples, the payment service can identify preferences of customers using transaction information that includes an identifier for a payment instrument, and associate the preferences with respective customer profiles. The payment service can then receive transaction information associated with a transaction between a customer and a merchant, identify preferences of the customer using the transaction information, compare the preferences of the customer with preferences stored in the customer profiles, and identify the customer based on the comparing. The payment service can further generate a receipt for the transaction and send the receipt to contact information of the customer.
    Type: Grant
    Filed: September 9, 2021
    Date of Patent: May 28, 2024
    Assignee: Block, Inc.
    Inventors: Victor Tsou, Damon McCormick, Kathryne Hawthorne, Alan Fineberg
  • Patent number: 11995654
    Abstract: A system and method for predictive pre-authorization of transactions using biometrics which uses wireless mobile devices and biometric scanning to automatically predict pre-authorized transaction amounts in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, verifies the customer with a biometrics verification database, generates a pre-authorization amount with an authorization generator, and automatically deducts payments for purchases from a pre-authorized customer account.
    Type: Grant
    Filed: February 4, 2022
    Date of Patent: May 28, 2024
    Assignee: ROCKSPOON, INC.
    Inventor: Nagib Georges Mimassi
  • Patent number: 11989731
    Abstract: Systems and methods are provided for use in provisioning accounts to mobile devices. One example method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.
    Type: Grant
    Filed: June 7, 2022
    Date of Patent: May 21, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Prashant Sharma, Rajat Maheshwari
  • Patent number: 11983529
    Abstract: Systems, computer program products, and methods are described herein for detection and recordation of functional code logic components on a distributed development platform. The present invention is configured to retrieve, from a source code repository, a source code script, wherein the source code script is associated with a first user; initiate a machine learning model on the source code script; determine, using the machine learning model, at least one functional code logic component from the source code script; initiate an NFT source code mapping engine on the at least one functional code logic component; generate, using the NFT source code mapping engine, a NFT for the at least one functional code logic component, wherein the NFT comprises the at least one functional code logic component and information associated with the first user; and record the NFT in a distributed ledger.
    Type: Grant
    Filed: January 18, 2022
    Date of Patent: May 14, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Shailendra Singh, Kamlesh Kanayalal Gangaramani
  • Patent number: 11983777
    Abstract: An underwriting estimator predictive machine learning model receives as inputs a limited number of details about an applicant, and outputs an immediate underwriting estimate of risk class. A preliminary pre-screening review redirects applicants with one or more screening impairments to a human-in-the-loop quick quote process. Model inputs include estimator inputs data that are pre-selected from the dataset of impairments data after excluding the screening impairments from the dataset of impairments. The underwriting estimator model may incorporate alternative pathways that output individualized underwriting estimates for some applicants and cohort-level marginal distributions for other applicants. Model outputs also include explanation files providing interpretability of underwriting estimates. The explanation files may include additive feature attribution data and rule based natural language explanations.
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: May 14, 2024
    Assignee: Massachusetts Mutual Life Insurance Company
    Inventors: Stacy Metzger, Daniel Garant, Marc Maier, Hayley Carlotto
  • Patent number: 11983690
    Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.
    Type: Grant
    Filed: January 26, 2023
    Date of Patent: May 14, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax
  • Patent number: 11983766
    Abstract: A method of analyzing debt management capability information by a computing device working with a plurality of user equipments (UEs) and operating under the control of at least one processor includes receiving debt repayment information for each round from the plurality of UEs according to a debt assessment scenario set up with a plurality of rounds. The method further includes determining a number of groups into which users of the plurality of UEs are to be grouped, based on the debt repayment information, grouping the users into as many groups as the number of groups created based on the debt repayment information, and deriving characteristics of each of the groups according to debt management capability characteristics of the users.
    Type: Grant
    Filed: December 23, 2020
    Date of Patent: May 14, 2024
    Assignee: AJOU UNIVERSITY INDUSTRY-ACADEMIC COOPERATION FOUNDATION
    Inventor: Do Yeong Kim
  • Patent number: 11978118
    Abstract: Aspects of the disclosure relate to implementation of a recursive hierarchic blockchain for event validation and processing. A computing platform may receive event data from first and second data sources. The computing platform may store, in a first distributed ledger, an event record for each event from the first data source and may store, in a second distributed ledger, an event record for each event from both data sources. In response to determining that a validation condition for a current block of the second distributed ledger has been satisfied, the computing platform may compute a hash and generate a numeric representation of the first distributed ledger. In a new block of the second distributed ledger, the computing platform may store the hash and the numeric representation. The computing platform may write, to the new block of the second distributed ledger, additional event data from both data sources.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: May 7, 2024
    Assignee: Bank of America Corporation
    Inventor: Maharaj Mukherjee