Patents Examined by Virpi H Kanervo
-
Patent number: 11410238Abstract: Various systems and methods for trade order processing in an electronic trading environment are provided. The order processing includes initiating a first thread of instructions at a computing device to send a first trade order onto an electronic exchange. However, if one or more trade orders are identified during the process to send the first trade order, then the one or more orders are queued. When the first trade order is sent to the electronic exchange, then a second thread of instructions is initiated at the computing device to send the queued one or more trade orders (substantially together, if there is more than one) on to the electronic exchange.Type: GrantFiled: June 3, 2020Date of Patent: August 9, 2022Assignee: Trading Technologies International, Inc.Inventors: Alexander V. Foygel, Bharat Mittal
-
Patent number: 11410152Abstract: The electronic device may invoke a host application. The device may display a first host user interface on the display, the first host user interface including a first host user interface component associated with a child application. In response, the device may invoke, using the host application, the child application executed at the electronic device. The device may transmit, using the host application, a request for data associated with a child user interface component to the child application. The device may transmit, using the child application, the request for data associated with the child user interface component to a child application server, wherein the data associated with the child user interface component is inaccessible by the host application. The device may receive, using the child application, the data associated with the child user interface component from the child application server. The device may display the child user interface component.Type: GrantFiled: July 10, 2020Date of Patent: August 9, 2022Assignee: SYNCHRONY BANKInventors: Jason Chen, Patrick Caraher, Abha Kataria, Darren Robinson, Derk Doijer, Alex Muller, Michael Cook, James Oldham, Daniel Murphy, Amanda Schaufler, Timothy Christensen, Amable De Los Santos
-
Patent number: 11403703Abstract: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document. The method may also include identifying a document type for the responsive loan application document and confirming that the responsive loan application document is a valid document. Finally, the method may also include sending loan application status information to the customer device based on the confirmation.Type: GrantFiled: October 21, 2020Date of Patent: August 2, 2022Assignee: Capital One Services, LLCInventors: Mitchell H. Ruebush, Stephen Payne
-
Patent number: 11393030Abstract: A system and method are provided for defining slop parameters to an individual spread order or a customized group of orders. The system and method may be used to, for example, define inside slop, outside slop, and/or adjustable range parameters to one or more orders. The inside slop, outside slop, and/or adjustable range parameters may be input by a trader, and, among other things, allow a trader to prioritize orders, set parameters so that some orders are re-priced more aggressively than other spread orders. Alternatively, slop parameters associated with a spread order may also apply more restrictive slop parameters to orders within the same adjustable range. Slop parameters associated with a spread order can also be configured and modified by a trader based on the trader's preferences. Other features and advantages are described herein.Type: GrantFiled: May 22, 2020Date of Patent: July 19, 2022Assignee: TRADING TECHNOLOGIES INTERNATIONAL, INC.Inventors: Thomas R. Zagara, Scott F. Singer
-
Patent number: 11379818Abstract: Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The mobile payment application generates a unique code. The code is read by the point of sale terminal, which is then provided to the payment management system. The payment management system contracts the account issuer and authenticates the code, thereby receiving a primary account number. Account number and transaction information is used to authorize the transaction via payment systems. The payment system accepts or declines the transaction in a response. Tokens may be generated for the account number, and value added services may be generated based upon user behaviors.Type: GrantFiled: May 29, 2020Date of Patent: July 5, 2022Assignee: Worldpay, LLCInventors: Travis Lee Priest, Daniel J. Ourada, Matthew D. Ozvat, Daniel J. Murphy, Nicholas G. Nayfack, Charles E. Watts
-
Patent number: 11354654Abstract: According to one embodiments, an electronic money management system includes a fund charging controller and a deduction unit. The controller performs a control in a manner such that, if a transaction is made on a user's terminal through an electronic money service of a first country to charge a designated amount of funds in a currency of a second country the designated amount of funds in the currency of the second country is charged based on an exchange rate at time of the transaction. The currency of the second country differs from a currency of the first country. The deduction unit, if an electronic money service of the second country is used on the terminal, deduct an amount used from the currency of the second country charged by the controller.Type: GrantFiled: August 12, 2020Date of Patent: June 7, 2022Assignee: NTT Communications CorporationInventors: Haruhisa Higashide, Yasuhide Katou, Mitsuya Tomoda, Kentaro Numa
-
Patent number: 11334867Abstract: Embodiments provide a method for facilitating a payment transaction at a POS terminal. The method includes receiving, by a server system associated with a payment network, a machine-readable code comprising information corresponding to a merchant and a dynamic token. The machine-readable code is valid for only a pre-defined interval. The method includes sending, by the server system, a notification associated with the machine-readable code received from the customer device, to a merchant device for approval of the payment transaction. The method further includes receiving, by the server system, a merchant defined transaction code from the merchant device in response to receipt of the notification at the merchant device. The merchant defined transaction code indicates a nature of the payment transaction. facilitating, by the server system, the payment transaction upon receipt of the merchant defined transaction code from the merchant device.Type: GrantFiled: June 4, 2019Date of Patent: May 17, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Piyush Sharma, Navneet Jain
-
Patent number: 11315198Abstract: Systems and methods for performing data analysis include receiving data for performing analysis from a user. A value associated with a variable is extracted from a first file based on the data. The value associated with the variable is loaded into a second file, the second file including a formula referencing the variable. An output is generated based on the data by calculating the formula based on the value associated with the variable.Type: GrantFiled: July 29, 2016Date of Patent: April 26, 2022Assignee: The Bureau of National Affairs, Inc.Inventors: Rajesh Vantipalli, Sarah Goretski, Mark Baker, Diane Tinney, Kenneth B. Crutchfield
-
Patent number: 11295285Abstract: A system including voice, video, and chat capability at financial services kiosks (e.g., ATMs) is disclosed. The voice, video, and chat and capabilities may be implemented using Web Real-Time Communication (WebRTC). A customer can complete all transactions and interactions with a live person in real time at the financial services kiosk. The financial services kiosk can be located anywhere in the world and only requires an Internet connection to support the system. The live person is remotely located from the financial services kiosk and can be available 24/7. The live person may be a teller or specialist located in a contact center.Type: GrantFiled: April 4, 2017Date of Patent: April 5, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventor: Prashant Desai
-
Patent number: 11257148Abstract: A method includes displaying a financial services document on a display screen of an electronic computing device. The financial services document is displayed on a first section of the display screen and on a second section of the display screen. An action is performed on the financial services document on the first section of the display screen without changing the display of the financial services document on the second section of the display screen. An action is performed on the financial services document on the second section of the display screen without changing the display of the financial services document on the first section of the display screen.Type: GrantFiled: May 16, 2019Date of Patent: February 22, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Andrew James Fournier, Kourtney Eidam
-
Patent number: 11250436Abstract: A method for establishing an index of usability associated with a replacement payment card is provided. The method may include receiving a payment card replacement request in a vending facility. The method may further include identifying at least one possible risk factor associated with a user utilizing the replacement payment card. The method may also include creating a risk assessment based on the at least one identified possible risk factor. The method may further include establishing an index of usability for the replacement payment card based on the created assessment, whereby a value of the index of usability correlates to a plurality of restrictions placed on using the replacement payment card. The method may also include storing the established index of usability in a database.Type: GrantFiled: May 12, 2020Date of Patent: February 15, 2022Assignee: International Business Machines CorporationInventors: Itzhack Goldberg, Rick A. Hamilton, II, Shawn P. Mullen, Clifford A. Pickover
-
Patent number: 11250396Abstract: The present disclosure generally relates to a system and method for providing an action-based donation platform. An exemplary electronic device displays a plurality of graphical representations corresponding to a plurality of activities and displays a first graphical representation corresponding to a contribution goal. The electronic device receives a user input specifying an activity and a contribution amount corresponding to an instance of the activity. Based on the user input, the electronic device adds a second graphical representation corresponding to the specified activity to the plurality of graphical representations. The electronic device receives a user selection of the second graphical representation, and in response to receiving the user selection of the second graphical representation, displays an indication of a contribution corresponding to the contribution goal.Type: GrantFiled: September 21, 2018Date of Patent: February 15, 2022Inventors: Nam C. Quach, Charlene Chen
-
Patent number: 11244401Abstract: A device and method is disclosed for automatically grouping data based on characteristics. The device and method include a communication interface for receiving data for component information, a storage medium for storing the received data, and a processor for performing an analysis on the received data to determine parameters included within the data and processing the data using correlations within the data to group or isolate data points. The correlations enable the processor to identify attributes associated with particular groups of the data.Type: GrantFiled: October 30, 2015Date of Patent: February 8, 2022Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Arthur Paul Drennan, III, Tracey Ellen Steger
-
Patent number: 11244413Abstract: A method for equity sharing of a property, equity sharing of a property, the method including: receiving details of a property inputted by a user; short listing the property for funding once score of the property is greater than a threshold; dividing the property into a plurality of equity shares, wherein each equity share indicates a fraction of ownership of the property; determining equity rate, wherein the equity rate is rate for each equity share; receiving an input from an investor searching for the property; providing option to the investor to purchase one or more equity shares; receiving indication of number of equity shares to be purchased by the investor; determining amount to be paid by the investor based on number of equity shares and the equity rate; transferring the amount to a trust; and storing ownership data including fractional ownership of the investor based on number of equity shares purchased by the investor.Type: GrantFiled: March 13, 2018Date of Patent: February 8, 2022Assignee: Zeehaus Inc.Inventors: Justin Lee, Abhijeet Misra, Prateek Gupta
-
Patent number: 11238527Abstract: A benefit-provision system is operated by an administrator to provide a benefit from a source, which may be an administrator, to a benefit-eligible recipient who is part of or associated with a sponsored applicant group for which access to the benefit-provision system is being sponsored by a sponsor. A method thereof provides a benefit by an administrator from a source to a benefit-eligible recipient who is part of or associated with a sponsored applicant group for which access to a benefit-provision system is being sponsored by a sponsor.Type: GrantFiled: October 7, 2014Date of Patent: February 1, 2022Assignee: KASHABLE LLCInventors: Einat Steklov Hahn, Rishi Kumar
-
Patent number: 11222335Abstract: In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.Type: GrantFiled: April 14, 2020Date of Patent: January 11, 2022Assignee: PayPal, Inc.Inventors: Shilpa Dhar, Jeff Harrell, Cody Evol, Cristina Escutia
-
Patent number: 11210643Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. Upon receiving a request to provide cash redemption to a third party from a provider client terminal, the system may allocate an amount of cash to a temporary financial account and generate a temporary access code that may be used to access the cash in the temporary financial account. The system may transmit the temporary access code to a recipient client terminal and upon an ATM terminal's receipt of the input access code, the system may authorize the withdrawal of the amount of cash.Type: GrantFiled: June 24, 2019Date of Patent: December 28, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Angela Baber, Peter Davey, Abhinav Agrawal, Walter Avery Miller
-
Patent number: 11170358Abstract: A secure transaction method, system, and non-transitory computer readable medium, for authorizing a transaction between a user having a personal communication device, a service provider, and a payment provider, include requesting a distribution of a location challenge code to the service provider and a distribution of a biometric data request to the personal communication device of the user, verifying the biometric data of the user based on a match of received biometric data from the user and with biometric data of the user stored in a storage unit, verifying that the location challenge code sent from the personal communication device of the user matches the distributed location challenge code, and sending a verification of authentication of the location challenge code and the match to the payment provider.Type: GrantFiled: April 29, 2016Date of Patent: November 9, 2021Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Jonathan H. Connell, Nalini K. Ratha, Roberto Sicconi
-
Patent number: 11151537Abstract: A program for running on a processor of a portable payment device is adapted for carrying out a payment interaction and permitting ticket storage in a memory of the portable payment device. The program is configured to interact with an access point and includes a set of instructions, a first code portion and a second code portion. The set of instructions, when executed by the processor, causes the portable payment device to perform the steps of: responsive to a first message from said access point, executing the first code portion; and responsive to a second message from the access point, executing the second code portion. The first code portion includes first instructions corresponding to the payment interaction. The second code portion includes instructions corresponding to the payment interaction and second instructions corresponding to the ticket interaction.Type: GrantFiled: December 6, 2019Date of Patent: October 19, 2021Assignee: VISA EUROPE LIMITEDInventors: Omar Rifaat, Dave Wilson
-
Patent number: 11126990Abstract: A geographic location is received in which a payment recipient is to perform a task. A geolocation system determines that the recipient is at the geographic location based on information received from a mobile device of the recipient. Payment is electronically transferred to the recipient for completion of the task via a payment network. The payment is transferred responsive to determining that the recipient is at the geographic location.Type: GrantFiled: October 25, 2019Date of Patent: September 21, 2021Assignee: Wells Fargo Bank, N.A.Inventor: Haila Fine