Patents Examined by William E Rankins
  • Patent number: 11410181
    Abstract: Provided techniques manage and predict future events. For example, in a payment implementation, a supplier, at any given point in time, has multiple customer debtors that may owe payments (e.g., have outstanding invoices). Utilizing historical attributes for a given customer debtor payment predictions may be determined. By analyzing outstanding debts associated with this debtor customer an amount owed may be calculated and a predicted payment (e.g., a payment that has not yet been indicated by that debtor customer) created. Events may be provided to a second system to correlate predictions across multiple debtor collectors. Correlated information may be used to predict cash flow needs of an organization. Alternatively, optimization of help desk systems may be provided based on predictions from analysis of multiple events in an Event-driven feed back system. Provided techniques may be generalized to other applications as well.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: August 9, 2022
    Assignee: HighRadius Corporation
    Inventors: Vishal Shah, Sonali Nanda, Srinivasa Jami
  • Patent number: 11410170
    Abstract: The invention relates to methods, systems and computer program products for securing one time passwords (OTP) for use in OTP based authorization of electronic payment transactions. The invention involves transmission and display of an OTP at a user device in response to a prior determination that a user operating the user device is authorized to implement a payment transaction through a payment account associated with the payment transaction. The invention implements this through transmission to the user device associated with the identified payment account, a data message initiating a process for verification of identity of a user operating the user device. Responsive to determining that the user operating the user device is authorized to operate the payment account, displaying the OTP on the user device for implementation of the payment transaction.
    Type: Grant
    Filed: September 3, 2020
    Date of Patent: August 9, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Jitendra Singh Wadhwa, Rukuma Viegas, Rajesh Pralhadrao Mahalle
  • Patent number: 11410164
    Abstract: Systems and method relating to a distributed ledger currency rail are provided. A computer-implemented method includes receiving a funds transfer request message including an amount, a sender, and a recipient; examining the funds transfer request message to identify a sending financial institution associated with the sender and a receiving financial institution associated with the recipient; and determining whether the sending financial institution and the receiving financial institution each operates a node on a permissioned distributed ledger network.
    Type: Grant
    Filed: December 14, 2020
    Date of Patent: August 9, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mayur Chheda, Luiz Fernando Flor da Silva, Matthew Shepherd, Kurt Paul Stevens, June Ann Wroblewski, Sean Zhang
  • Patent number: 11410256
    Abstract: The invention relates to field of filing legal documents via the cloud (100, 130). The best mode of this invention is considered to be cloud based internet filing and storage system of legal documents that allows the user to compose and file documents, based on computer generated attorney instructions, forms and letter templates, without actually hiring an attorney. The invention has the advantage of providing legally correct advice at an affordable price to the end customer in multiple jurisdictions and substantive fields at once.
    Type: Grant
    Filed: September 1, 2020
    Date of Patent: August 9, 2022
    Inventor: Mikko Vaananen
  • Patent number: 11403712
    Abstract: A method of determining an injury segment includes training a machine learning model, receiving a loss report, analyzing the loss report using the trained model to determine a severity of an injury, determining, based on the severity of the injury, an injury segment, and storing, via a processor, an indication of the injury segment. A computer system includes a processor configured to train a machine learning model, receive a loss report, analyze the loss report using the trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment. A non-transitory computer readable medium containing program instructions that when executed cause a computer to train a machine learning model, receive a loss report, analyze the loss report using the trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment.
    Type: Grant
    Filed: October 13, 2020
    Date of Patent: August 2, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John Westhues, Leann Dionesotes, David Ruby, John Dillard
  • Patent number: 11403726
    Abstract: Systems and computer-implemented methods for a bet exchange. The bet exchange receives bet orders from users and matches bet-for orders with bet-against orders to generate instances of standardized bet contracts. The bet-for orders are bets on a bet event occurring, and bet-against orders are bets on a bet event not occurring. The bet events are listed in contests based on a real-life event. The bet events have a standardized payout amount, which transfers to the user that made the bet-for order when the bet event occurs, or to the user that made the bet-against order when the bet event does not occur.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: August 2, 2022
    Assignee: THE BET EXCHANGE LLC
    Inventor: Robert J. Cullen
  • Patent number: 11379934
    Abstract: A social media streaming system, includes a server and at least one client device. The server includes a server-trading module. The client device includes a display component and an input component. The input component is configured to receive a trading request, and send the trading request to the server. When the server receiving the trading request, subsequently, the server-trading module generates a trading log based on the trading request. The client device is enabled to delete the trading request after the trading log is generated.
    Type: Grant
    Filed: December 22, 2020
    Date of Patent: July 5, 2022
    Inventor: Hui Ju Yang
  • Patent number: 11379929
    Abstract: System, method and media for the provision of relevant information, tax regulations and other advice for the preparation of the return to the user of the tax preparation system. This can be done by developing a profile of the taxpayer as the user moves through the process of preparing the tax return. When a user views a tip or help article, the impact on the outcome of the return is noted. If the impact is a positive one, then the tip or help article may be automatically presented to future users with similar taxpayer profiles. In this way, users can maximize the benefit of the return for the taxpayer while increasing the accuracy of the prepared return.
    Type: Grant
    Filed: August 26, 2015
    Date of Patent: July 5, 2022
    Assignee: HRB Innovations, Inc.
    Inventors: Eric Roebuck, Jason Houseworth
  • Patent number: 11367134
    Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.
    Type: Grant
    Filed: May 26, 2020
    Date of Patent: June 21, 2022
    Assignee: FAIR IP, LLC
    Inventors: Scott Edward Painter, Bowen Li, Mason Grey McLead, Matthew Donovan Cragin, Craig Michael Nehamen
  • Patent number: 11367152
    Abstract: A physical container (e.g., a battery) may be filled up (charged) or emptied (discharged) with energy commensurate with requirements to post a particular amount of collateral. The disclosure provides computing systems and methods for processing data using a novel combination of wavelet techniques and rolling techniques to more efficiently detect seasonality in particular products (e.g., energy products) to more accurately model and determine collateral/margin requirements. A clearinghouse computing device may be configured to generate a margin requirement for a portfolio of products and may include a processor to process instructions that cause the clearinghouse computing device to perform wavelet decomposition and rolling methods on a historical database of records.
    Type: Grant
    Filed: September 25, 2020
    Date of Patent: June 21, 2022
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Jennifer Yingying Weng, Nikhil Joshi, Guo Chen, Siwen Yang, Zijiang Yang, Xiaowen Xu, Shuo Liu, Sebastiano Rossi
  • Patent number: 11361388
    Abstract: A system for generating and managing usage-based contracts using blockchains configured to (i) store an insurance contract for a currently occurring or upcoming trip, where the insurance contract is to insure the driver, passenger, and/or vehicle during the trip, where the insurance contract includes terms, conditions, or other clauses (e.g., mileage limitations, limitations on autonomous vehicle operation, etc.) and is in a blockchain structure, and where several nodes store copies of the insurance contract in the blockchain structure; (ii) receive, from the driver and/or (autonomous) vehicle, a requested modification of one or more terms, conditions, or other clauses of the insurance contract, (iii) transmit the requested modification to an insurance auction network, (iv) receive a response to the request from the insurance auction network; and (v) store the response in a new block in the insurance contract (e.g., a smart contract) to facilitate providing trip insurance in a transparent manner.
    Type: Grant
    Filed: July 22, 2020
    Date of Patent: June 14, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Matthew L. Floyd
  • Patent number: 11361627
    Abstract: The present disclosure provides a method to determine if a user had placed a wager and verify that the wager was placed before the wagering market closed in a play-by-play wagering network. This method provides the ability to receive a wager from a user and allows the wagering network to receive a timestamp from the user's device to determine if the wager was placed before the market closing. Also, this method provides the ability to verify that there is no fraud, malicious activity, or cheating from the user by verifying that through a 3rd party network, such as the user's network connecting the user to the internet, that the timestamps provided by the network are correct and allowing the user to confirm their wager if received a few moments after the market has closed.
    Type: Grant
    Filed: August 16, 2021
    Date of Patent: June 14, 2022
    Assignee: AdrenalineIP
    Inventors: Casey Alexander Huke, John Cronin, Joseph W. Beyers, Michael D'Andrea
  • Patent number: 11354740
    Abstract: According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, electronic data including buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by electronically determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding one or more trading orders. For example, if a trader subsequently submits another trading order that would trade with the outlying trading order, an electronic alert message may be sent to the trader and the subsequent trading order may be prevented from trading with the outlying trading order at least temporarily.
    Type: Grant
    Filed: October 19, 2020
    Date of Patent: June 7, 2022
    Inventors: Joseph C. Noviello, Michael Sweeting, Howard W. Lutnick
  • Patent number: 11348189
    Abstract: A system for masking tax data during collaborative preparation of an electronic tax return, the system includes a server computer having a tax return preparation program running thereon. The system also includes a tax return preparation computer having a first browser program running thereon. The system further includes a support computer having a second browser program running thereon. Moreover, the system includes a network operatively coupling the server computer, tax return preparation computer, and the support computer. The first browser includes a masking module configured to automatically mask a tax datum without user intervention before transmitting the tax datum to the server computer for subsequent transmission to the support computer. The tax datum is masked in real time during collaborative preparation of the electronic tax return.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: May 31, 2022
    Assignee: Intuit Inc.
    Inventors: Amir R. Eftekhari, Paul F. Hubbard, Andrew Scott Jeddeloh, Tyler Thomas Krupicka
  • Patent number: 11334873
    Abstract: A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.
    Type: Grant
    Filed: September 7, 2020
    Date of Patent: May 17, 2022
    Assignee: ENPULZ, LLC
    Inventor: James D. Bennett
  • Patent number: 11328268
    Abstract: Disclosed is a system for authenticating checks using a mixed reality environment. The system includes a financial instrumentation central database for storing financial and identification data related to the checks, and a reality glasses coupled to the financial instrumentation central database. The reality glass includes a memory unit for storing a plurality of modules, a camera to capture the image of the check, a reality display; and a wearable processor coupled to the memory unit for processing the stored plurality of modules. The wearable processor is coupled to the financial instrumentation central database, to the camera to process captured images of the check.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: May 10, 2022
    Assignee: Bottomline Technologies Ltd.
    Inventors: Shay Bhubhut, Richard A Baker, Jr., Piyush Gupta
  • Patent number: 11328354
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for preapproving a loan. An example method includes receiving, from an online marketplace server device, a preapproval request provided by a user for a loan preapproval to purchase a first property. The example method further includes obtaining credit information associated with the user from a credit server device. The example method further includes generating a preapproval data structure based on the preapproval request and the credit information. The example method further includes generating a preapproval token based on the generated preapproval data structure. Subsequently, the example method includes transmitting the generated preapproval token to the online marketplace server device.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: May 10, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Ximing Zhao
  • Patent number: 11321682
    Abstract: A method including receiving a funds transfer request from a sender through a computer network to facilitate a transfer of funds to a recipient. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include automatically transmitting an invitation to the recipient to join the computer-implemented funds transfer payment network. The invitation can be directed to the recipient using the token for the recipient from the funds transfer request by sending the invitation to the recipient using the token. The method further can include receiving a response to the invitation from the recipient. The method additionally can include collecting identifying information that identifies the recipient. The method further can include creating a record for the recipient in a database of registered users contained in the computer-implemented funds transfer payment network.
    Type: Grant
    Filed: August 26, 2019
    Date of Patent: May 3, 2022
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Sri Saravana Muthu, John G. Feldman, Esther Pigg, Jeffrey Cornman, Alfonso McMillian
  • Patent number: 11295313
    Abstract: A financial management system may include a device processor and a non-transitory computer readable medium including instructions, executable by the processor. The computer readable medium may include instructions for receiving purchase information regarding a pending purchase of a system user using an account; sending the purchase information, along with a request for approval of the purchase, to one or more personal electronic devices of a guardian of the account; receiving a response selected by the guardian; and selectively permitting the purchase based on the response selected by the guardian.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: April 5, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventor: Ryan Thomas Russell
  • Patent number: 11295384
    Abstract: Orders received by an electronic trading system are processed in batches based on the instrument to which an order relates. An incoming order is assigned to a queue of a queue set that makes up the batch according to a random process. Where orders are received from related trading parties, they are assigned to the same queue set according to their time of receipt. The batch has a random duration within defined minimum and maximum durations and at the end of the batch, the orders held in the queues are transferred to a matching thread of the trading system sequentially with one order being removed from each queue and a number of passes of the queues completed until orders have been removed.
    Type: Grant
    Filed: February 24, 2020
    Date of Patent: April 5, 2022
    Assignee: NEX Services North America LLC
    Inventors: Michael Merold, John E. Schoen