Patents Examined by Virpi H Kanervo
  • Patent number: 10977629
    Abstract: Systems, methods, and other embodiments associated with transmission of messages over a blockchain network are described. In one embodiment, a method includes extracting message data from a source database. The message data is evaluated to identify a message type of the message. A message template is selected from a set of message templates based upon the message template corresponding to the message type of the message. The message data is decomposed into a set of parameter values that are populated into the message template to create a transaction message in the blockchain message format. The transaction message is routed to a blockchain node for routing over the blockchain network.
    Type: Grant
    Filed: September 21, 2018
    Date of Patent: April 13, 2021
    Assignee: Oracle Financial Services Software Limited
    Inventor: Mahendran Muthu Pandian
  • Patent number: 10977738
    Abstract: In an illustrative embodiment, systems and methods for monitoring insurance claims include identifying, based on predetermined monitoring frequency, insurance claims identified for vulnerability detection processing. Vulnerability detection features may be extracted from data files of the claims, which provide an indication of claim handling deficiencies that can cause claim leakage. A trained vulnerability detection data model can be used to detect claim handling vulnerabilities within the extracted vulnerability detection features where each of the vulnerabilities may include a likelihood of the vulnerability resulting in claim leakage. The vulnerability detection data model may be trained with a data set customized to a respective insurance provider for each claim. Vulnerability scores indicating an overall likelihood of claim leakage can be calculated for the claims based on the detected claim handling vulnerabilities.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: April 13, 2021
    Assignee: Futurity Group, Inc.
    Inventors: John Wang, Michael Cummings, Hari Nathan, Ching Lau
  • Patent number: 10970736
    Abstract: The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive customer data and location data from a client device. The one or more processors may also execute the software instructions to identify a customer and a merchant based on the received data. The one or more processors may also execute the software instructions to determine an applicable customer service option based on at least the identified merchant and the identified customer, the customer service option including at least an option to activate a credit card secondary benefit, and transmit a notification to the client device, the notification including the customer service option when the identified customer is eligible for the determined customer service option.
    Type: Grant
    Filed: September 6, 2019
    Date of Patent: April 6, 2021
    Assignee: Capital One Services, LLC
    Inventors: Moshe Benjamin, Lawrence Douglas
  • Patent number: 10922768
    Abstract: A system for storing data related to a transaction and for facilitating the transaction from at least one of a plurality of payment sources, the system comprises a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, a recipient identifier, and account information related to a recipient account for the recipient maintained with a financial institution, the application server further configured to receive transaction data from a user device associated with a payment from at least one of a plurality of payment sources and related to the transaction, the transaction data comprising the transaction identifier and the recipient identifier, generate an electronic check based on the transaction data, and forward the electronic check and recipient account information to the financial institution to cause a deposit into the recipient account.
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922767
    Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: an application server coupled with a database and configured to store information associated with a plurality of transactions, the information including account information related to a user account maintained by a first financial institution, a recipient identifier, and account information related to a recipient account maintained with a second financial institution, the application server further configured to: receive transaction data associated with a payment of the transaction, the transaction data comprising an identifier and user account information; identify the recipient account information based on a comparison of the received identifier against the stored recipient identifier; generate transfer instructions data based on the transaction data and recipient account information; and forward the transfer instructions data to the first financial institution based on the user account informatio
    Type: Grant
    Filed: March 2, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922770
    Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, an escrow agent identifier and account information related to an escrow agent account maintained with a financial institution, the application server further configured to: receive transaction data associated with a payment from an account of a buyer related to the transaction, an identification of an escrow agent, and a transaction identifier related to the transaction from a device associated with an agent of the buyer, the transaction being between the buyer and a seller; forward the transaction data to the financial institution to cause a deposit into the escrow agent account based on a comparison of the identified escrow agent with the escrow agent identifier associated with the transaction, wherein the e
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922769
    Abstract: A system for storing data related to a transaction and for facilitating exchange of the data related thereto, the system comprises a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier and a plurality of identifiers of parties related to the transaction, the parties registered with the application server based on the associated identifier, the application server further configured to associate identifiers of one or more parties with the transaction based in part on a transaction identifier provided by a device associated with the one or more parties, receive data representative of one or more documents from the device, store data representative of one or more documents and an association of the data related to the transaction based in part on the identifier of the party and the transaction identifier, and, in response to receiving the data representative of the one or more
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922766
    Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, and escrow agent identifier, and account information related to an escrow agent account for the escrow agent maintained with a financial institution, the application server further configured to receive an image of the a check associated with a payment related to the transaction from a buyer or buyer agent, forward the check image, payment information, and escrow agent account information to the financial institution to cause a deposit into the escrow agent account, and generate and send notifications to the escrow agent and buyer or buyer agent.
    Type: Grant
    Filed: February 2, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10891622
    Abstract: Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. The OBO issuer service computer then determines that an authentication value of the received purchase transaction authorization request message matches the authentication value of the stored authentication message, stores a record of the match, and transmits the purchase transaction authorization request to the payment network for purchase authorization processing.
    Type: Grant
    Filed: October 29, 2015
    Date of Patent: January 12, 2021
    Assignee: Mastercard International Incorporated
    Inventors: Peter J. Groarke, Brian John Piel
  • Patent number: 10853880
    Abstract: A trade exchange system and method provide transparency and accountability for each idea producer and each follower of each idea producer with respect to trades executed based on a trade idea circulated by the idea producer. The trade exchange system and method may use application-programming interfaces (APIs) to gather data from a brokerage entity in order to verify the trades executed in response to the trade idea by the idea producer and the follower.
    Type: Grant
    Filed: April 17, 2017
    Date of Patent: December 1, 2020
    Assignee: Trade Exchange Group, Inc.
    Inventor: Michael Anton
  • Patent number: 10853777
    Abstract: A computer-implemented method includes receiving, from a mobile device, a deposit request including a first check image for funds to be deposited into a user account, determining a risk level associated with the deposit request, requesting a second check image having a restricted endorsement based on the risk level, receiving the second check image having the restricted endorsement, determining a confidence level based on the restricted endorsement, and transferring the funds to the user account based on the confidence level.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: December 1, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Al Hecht
  • Patent number: 10846667
    Abstract: A computer-implemented method includes receiving, from a mobile device, a deposit request including a first check image for funds to be deposited into a user account, determining a risk level associated with the deposit request, requesting a second check image having a restricted endorsement based on the risk level, receiving the second check image having the restricted endorsement, determining a confidence level based on the restricted endorsement, and transferring the funds to the user account based on the confidence level.
    Type: Grant
    Filed: September 25, 2014
    Date of Patent: November 24, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Al Hecht
  • Patent number: 10846695
    Abstract: An electronic device and a payment method are provided. The electronic device includes a first communication circuitry configured to support a first payment function, a second communication circuitry configured to support a second payment function, and a processor configured to operatively connect with each of the first communication circuitry and the second communication circuitry, to output a first user interface (UI) corresponding to a payment request, to obtain payment related information using at least one of the first communication circuitry, the second communication circuitry, or a sensor circuitry operatively connected with the processor, and to output a second UI based on the payment related information.
    Type: Grant
    Filed: July 14, 2016
    Date of Patent: November 24, 2020
    Assignee: Samsung Electronics Co., Ltd
    Inventors: Ki Bong Kim, June Yeob Kim, Seon Sook Lee, Young Jun Jung
  • Patent number: 10839455
    Abstract: 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: Grant
    Filed: February 19, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Mitchell H. Ruebush, Stephen Payne
  • Patent number: 10803460
    Abstract: 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: Grant
    Filed: July 14, 2016
    Date of Patent: October 13, 2020
    Assignee: International Business Machines Corporation
    Inventors: Itzhack Goldberg, Rick A. Hamilton, II, Shawn P. Mullen, Clifford A. Pickover
  • Patent number: 10789588
    Abstract: Systems and methods for blending a plurality of FX forwards may include determining a signed sum of notional values associated with each of the primary currency component and the settlement currency component of each of the plurality of FX forwards for use in blending the plurality of FX forwards, each of the plurality of FX forwards having matching economics and a different associated fixed rate. A computing device may determine one or more remnant FX forwards to blend the plurality of FX forwards based, at least in part, using the determined sums of the notional values. This may reduce the gross notional and/or the total clearing line items associated with the original FX forwards. In some cases, the computing device may determine a single currency FX forward for blending the plurality of FX forwards.
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: September 29, 2020
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Simon Burnham, Dhiraj Bawadhankar, Steve Dayon, John Redfield, Fateen Sharaby
  • Patent number: 10783576
    Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.
    Type: Grant
    Filed: September 24, 2019
    Date of Patent: September 22, 2020
    Assignee: APPLE INC.
    Inventors: Marcel Van Os, Charles Tesan Ahn, Jae Woo Chang, Teofila Connor, Jarad Fisher, Nicholas V. King, Pedro Mari, Mischa McLachlan, Ashish Nagre, Glen W. Steele, Alan C. Dye
  • Patent number: 10776770
    Abstract: 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: Grant
    Filed: October 19, 2016
    Date of Patent: September 15, 2020
    Assignee: Synchrony Bank
    Inventors: Jason Chen, Patrick Joseph Caraher, Abha Kataria, Darren Antoine Robinson, Derk Carel Doijer, Alex Muller, Michael Cook, James Oldham, Daniel Murphy, Amanda Schaufler, Timothy Christensen, Amable De Los Santos
  • Patent number: 10755350
    Abstract: An improved method and system to create and write a security trading strategy, back test the strategy and automatically execute and monitor the strategy in an Internet based trading environment. Upon occurrence of a market trigger condition, the automated process automatically generates entry and exit orders and sends the entry and exit orders to the market to be filled. A restriction check is also performed on the entry and exit orders. The automated process further monitors the entry and exit orders once they have been sent to be filled and intelligently modifies the entry and exit orders depending on market and strategy conditions.
    Type: Grant
    Filed: September 29, 2011
    Date of Patent: August 25, 2020
    Assignee: TradeStation Technologies, Inc.
    Inventors: William R. Cruz, Ralph L. Cruz, Peter A. Parandjuk
  • Patent number: 10748214
    Abstract: Method and system providing integration of investment fund data. One system includes a database configured to store financial data pertaining to financial assets. The system further includes a display application configured to create a display for displaying financial data pertaining to the financial assets. The display includes a first view adapted to display a list of financial transactions related to the financial assets. The display further includes a second view adapted to display asset metrics associated with the financial assets. The display application enables a user to select via the first view a particular financial transaction that is associated with a particular financial asset. The display application further presents via the second view an asset metric associated with the particular financial asset and one or more asset metrics associated with other financial assets held by the investment fund that were issued by an issuer of the particular financial asset.
    Type: Grant
    Filed: August 11, 2009
    Date of Patent: August 18, 2020
    Assignee: CE TM HOLDINGS LLC
    Inventors: Kenneth C. Griffin, Tom Miglis