Patents Examined by Stephanie Ziegle
  • Patent number: 10108719
    Abstract: A system and method operates on a client device and acquires a suspect list of user products based on information derived from the client device. The system normalizes the list, and the user confirms the accuracy of the product list. The user product list is sent to a server where the user product list is compared to other lists using collaborative filtering techniques. The collaborative filtering techniques determine products of interest for the use and the level of interest of the user. The system computes a similarity measure based upon the number of similar products that match the user's product list and rankings provided by the user and others. Demographic and behavioral data may also be used in performing the comparison and the similarity measure. The system acquires editorial rankings of products from other users and provides a ranked list of recommended products based upon the editorial rankings.
    Type: Grant
    Filed: March 14, 2011
    Date of Patent: October 23, 2018
    Assignee: CBS Interactive Inc.
    Inventors: Scott Bedard, Greg Kasavin, Patrick Cashman Andrus
  • Patent number: 10089691
    Abstract: Methods and systems for detecting inaccurate insurance claims associated with a loss event are provided. An insurance provider may receive loss event data associated with the loss event from a variety of sources. The insurance provider may also receive an insurance claim submission from the claimant customer that indicates an insured property and a claimed amount of damage to the insured property. The insurance provider examines the loss event data to estimate an actual amount of damage experienced by the property as a result of the loss event, and compares the actual amount of damage to the claimed amount of damage. Based on the comparison, the insurance provider may approve the insurance claim, deny the insurance claim, or flag the insurance claim. The systems and methods thus aim to reduce fraudulent or otherwise inaccurate insurance claim filings.
    Type: Grant
    Filed: December 4, 2013
    Date of Patent: October 2, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Michael K. Cook
  • Patent number: 10002389
    Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.
    Type: Grant
    Filed: November 27, 2017
    Date of Patent: June 19, 2018
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 9990613
    Abstract: Introduced here is a technology that enables a bill payer, who is an account holder at a financial institution (e.g., a bank), to send a bill payment to a bill payee by submitting, via a financial application of the financial institution, the bill payee's identifier and a bill payment amount, where funds for the bill payment amount are transferred directly to the bill payee substantially instantaneously upon the bill payer's request. The technology involves communication between a computer system of a financial institution (“financial institution system”), a mobile financial application installed on a bill payer's mobile device, and a third-party, remote computer system of a payment service (“PSS”). Upon receiving the identifier and amount from the financial institution system, the PSS identifies payment card information of the bill payer and the bill payee, and executes, or triggers execution of, the transfer of funds for the bill payment.
    Type: Grant
    Filed: December 12, 2014
    Date of Patent: June 5, 2018
    Assignee: Square, Inc.
    Inventors: Anish Bhatt, Charles Kimble
  • Patent number: 8010390
    Abstract: Methods and systems are provided for processing claims. A claim management case is created for an insured in response to a notice of a claim. One or more insurance policies covering the insured are associated with the claim management case. At least one process is performed at a claim management case level to fulfill an information requirement that applies to at least two of the insurance policies associated with the claim management case. Claims are adjudicated under the one or more of the insurance policies covering the insured.
    Type: Grant
    Filed: June 29, 2007
    Date of Patent: August 30, 2011
    Assignee: Computer Sciences Corporation
    Inventors: Julian F. Wait, Jess V. Knifton
  • Patent number: 8010389
    Abstract: Methods and systems are provided for processing claims. A claim management case is created for an insured in response to a notice of a claim. One or more insurance policies covering the insured are associated with the claim management case. In some embodiments, all of the insurance policies covering the insured are associated with the claim management case. At least one process relating to the claim management case is performed at a claim management case level. The process performed at the claim management case level applies to at least one of the insurance policies associated with the claim management case. The processes performed at the claim management case level may apply to all the insurance policies associated with the claim management case. One or more processes relating to the claim management case are performed at a policy level.
    Type: Grant
    Filed: June 29, 2007
    Date of Patent: August 30, 2011
    Assignee: Computer Sciences Corporation
    Inventors: Julian F. Wait, Jess V. Knifton
  • Patent number: 8010391
    Abstract: Methods and systems are provided for processing claims. A hierarchy may be created for claims specific to the insured that includes a claim management case level, a policy level, and a coverage level. The claim management case level may include a claim management case node. The policy level may include one or more policy nodes. Each of the policy nodes may relate to an insurance policy covering the insured. The one or more insurance policies covering the insured are associated with the claim management case. The coverage level may include one or more coverage nodes. Each of the coverage nodes may relate to an insurance coverage covering the insured. Each of the insurance coverages may be associated with one of the insurance policies.
    Type: Grant
    Filed: June 29, 2007
    Date of Patent: August 30, 2011
    Assignee: Computer Sciences Corporation
    Inventors: Julian F. Wait, Jess V. Knifton
  • Patent number: 8000986
    Abstract: Methods and systems are provided for processing claims. A hierarchy is created including a claim management case level and a policy level. The claim management case level includes a claim management case node. The claim management case node relates to a designee under a first insurance policy. The policy level includes one or more policy nodes. Each of the policy nodes is associated with an insurance policy relating to the designee. At least one process for the claim management case is performed at the claim management case level. The process applies to at least one insurance policy relating to the designee.
    Type: Grant
    Filed: June 29, 2007
    Date of Patent: August 16, 2011
    Assignee: Computer Sciences Corporation
    Inventors: Julian F. Wait, Jess V. Knifton
  • Patent number: 7885890
    Abstract: A credit approval and authorization system includes a credit request device, such as a terminal, located in a sales location, such as a store. The credit request device is operable to receive customer-related information, including a credit request, and to communicate the customer-related information to a credit analysis module. If the credit request is approved by the credit analysis module, the credit analysis module generates a conditional offer and the credit request device directs the customer to a point of sale system, such as a cash register, within the sales location, for manual verification of the customer's identity by an employee of the merchant. If the conditional offer is accepted and the identity of the customer is verified at the point of sale system, an activation module operates to establish a credit account. The system also includes an authorization module operable to determine whether to authorize use of the credit account to make a purchase.
    Type: Grant
    Filed: January 17, 2007
    Date of Patent: February 8, 2011
    Assignee: HSBC Finance Corporation
    Inventor: Scott Haertel
  • Patent number: 7844532
    Abstract: A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and quantity information for one or more of the regions may be consolidated from price and quantity information from plurality of un-consolidated price levels.
    Type: Grant
    Filed: July 14, 2009
    Date of Patent: November 30, 2010
    Assignee: Trading Technologies International Inc.
    Inventor: Scott F. Singer
  • Patent number: 7577607
    Abstract: A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and quantity information for one or more of the regions may be consolidated from price and quantity information from plurality of unconsolidated price levels.
    Type: Grant
    Filed: May 2, 2006
    Date of Patent: August 18, 2009
    Assignee: Trading Technologies International Inc.
    Inventor: Scott F. Singer
  • Patent number: 7577602
    Abstract: A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and quantity information for one or more of the regions may be consolidated from price and quantity information from plurality of un-consolidated price levels.
    Type: Grant
    Filed: November 26, 2002
    Date of Patent: August 18, 2009
    Assignee: Trading Technologies International Inc.
    Inventor: Scott Singer
  • Patent number: 7571128
    Abstract: A method and computer system for structuring two-vehicle financing. A price for a first vehicle having a first fuel economy is determined, and an average amount that the first vehicle will be driven each month is estimated. These steps are repeated for a second vehicle having a second fuel economy. Loan/lease terms are determined for both vehicles combined. A monthly transportation cost for the first and second vehicles combined is calculated based on the monthly loan or lease payment and the estimated amount that the first and second vehicles will be driven each month, respectively.
    Type: Grant
    Filed: January 26, 2006
    Date of Patent: August 4, 2009
    Assignee: Ford Motor Company
    Inventor: Gregory Brown