Patents Examined by Williams E Rankins
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Patent number: 12243099Abstract: An Online Software Platform (OSP) may receive a first dataset from a remote client device, and compute an estimated resource, from the first dataset and also per stored digital rules. The OSP may then communicate an aspect of the resource to the remote client device and receive a confirmation of the first dataset. The OSP may then process the first dataset, for matching it with another dataset, either internally or by outsourcing. Either way, the OSP may establish that the first dataset has been matched with a compatible second dataset. The OSP may then input a resource for the first dataset, which is determined according to stored digital rules. The OSP may further create one or more notifications and documents about the matching and the resource, and make them available to the remote client device or even to the device of another remote entity.Type: GrantFiled: October 3, 2023Date of Patent: March 4, 2025Assignee: Avalara, Inc.Inventors: Gregory T. Kavounas, Mark Janzen, Rahul Aggarwal, Bilkay Rose
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Patent number: 12243028Abstract: In one embodiment, a method includes receiving first payment data and a first identifier of a first user, wherein the first payment data is linked to the first identifier and stored in a datastore of the payment service and in association with a first user account of the payment service; receiving, second payment data and a second identifier of a second user, wherein the second payment data is linked to the second identifier and stored in the datastore and in association with a second user account of the payment service; receiving a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including the first identifier; and in response to receiving the request, identifying the first user account and the second user account; and causing the near-instantaneous transfer of the payment to a financial account of the first user.Type: GrantFiled: October 14, 2022Date of Patent: March 4, 2025Assignee: Block, Inc.Inventors: Robert Andersen, Brian Grassadonia
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Patent number: 12229760Abstract: A method can include intercepting, by an interceptor positioned between a transfer system and a transfer settlement system, a transaction prior to the transaction being provided to the transfer settlement system. The method can include confirming that data from the transaction matches information in an immutable ledger to which parameters of the transaction have been provided by a notary system that confirms the parameters of the transaction and applies a signature using a private key to the transaction in response to confirming the parameters. The method can include, in response to confirming that the data matches the information, providing the transaction for settlement by the transfer settlement system.Type: GrantFiled: September 22, 2023Date of Patent: February 18, 2025Assignee: Truist BankInventors: Amy Rose, David Stone, Scott Travis Leith, William Mark Connolly
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Patent number: 12223493Abstract: A method may include a first party computer program: (1) receiving, a first real-time communication comprising a first offer for a first amount from a second party computer program; (2) partially accepting the first offer, causing first funds to be transferred to a second party account from a first party account; sending a second real-time communication to the second computer program comprising a partial acceptance of the first offer and a second offer for a second amount; (3) receiving, from the second computer program, partial acceptance of the second offer and a third offer for a third amount, causing second funds to be transferred to the second party account from the first party account; and (4) accepting the third offer, causing third funds to be transferred to the second party account associated from the first party account.Type: GrantFiled: December 5, 2022Date of Patent: February 11, 2025Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Raghu Vudathu, Christy Lillie, Joe Martei, Bodhi Hwang
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Patent number: 12217305Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.Type: GrantFiled: October 17, 2022Date of Patent: February 4, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Bipin M. Sahni, Nikolai Stroke
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Patent number: 12175480Abstract: Technology for determining an insurance fraud risk associated with a user comprises receiving, at an enterprise, a call or a chat from a user device associated with the user. Data associated with the call or the chat is analyzed to determine if at least one factor indicating fraud is present. A weighted level of possible fraud associated with the at least one factor is determined. The weighted level of possible fraud is compared to at least one weight threshold. The user is identified as an increased fraud risk based on the weighted level of possible fraud meeting or exceeding the at least one weight threshold.Type: GrantFiled: May 15, 2023Date of Patent: December 24, 2024Assignee: United Services Automobile Association (USAA)Inventor: David Patrick Dixon
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Patent number: 12165211Abstract: A method of determining an injury segment includes receiving a loss report, analyzing the loss report using a 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 receive a loss report, analyze the loss report using a 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 receive a loss report, analyze the loss report using a trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment.Type: GrantFiled: August 1, 2022Date of Patent: December 10, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: John Westhues, Leann Dionesotes, David Ruby, John Dillard
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Patent number: 12159310Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.Type: GrantFiled: March 1, 2024Date of Patent: December 3, 2024Assignee: United Services Automobile Association (USAA)Inventors: Michael Patrick Bueche, Jr., Bharat Prasad, Minya Liang, Reynaldo Medina, Charles Lee Oakes, III
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Patent number: 12154176Abstract: Provided is a method and system for automating property inspection for prevention of insurance claims or losses using an Artificial Intelligence (AI)-based classifier. The method and system includes accessing digital images corresponding to a property. A trained AI-based classifier classifies the digital images into one or more AI containers based on inspection points and sub-inspection points in relation to the property. Each AI container comprises one or more secondary AI models. The one or more secondary AI models in a respective AI container, detect a condition pertaining to one or more components identified in the digital images, by analyzing the digital images based on the inspection points and sub-inspection points associated with the respective AI container. A signal indicative of insurance loss based on the detected condition pertaining to the one or more components is then derived. An inspection report providing recommendations for action plans is further generated.Type: GrantFiled: December 22, 2022Date of Patent: November 26, 2024Assignee: Chrp Technologies, IncInventors: Chin Ma, Micah Kalisch
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Patent number: 12147967Abstract: A wearable computing device, such as a smart glass device, may be used to facilitate touchless and/or frictionless transactions at computing devices in the vicinity of the wearable computing device based on a dynamic non-fungible token (NFT). The smart glass device captures biometric information of a user, such as an iris image, and generates the NFT based on the biometric information, a geographic location and a time. The NFT is authenticated via a blockchain by an authentication system at a remote network. Upon validation, the smart glass device presents user interface screens to initiate the transaction. A computing device receives a request message to complete the transaction based on the NFT.Type: GrantFiled: July 27, 2022Date of Patent: November 19, 2024Assignee: Bank of America CorporationInventor: Maneesh Sethia
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Patent number: 12141805Abstract: In certain embodiments, image-feature malicious-activity detection and access prevention may be facilitated, where an activity notification associated with a transaction triggers feature detection for at least one image related to a different transaction. In some embodiments, a first image (received in connection with a first transaction) may be associated with the first transaction, and a second image (received in connection with a second transaction) may be associated with a second transaction. In response to a malicious activity notification associated with the first transaction, an identifying characteristic (e.g., a facial feature) detected in the first image may be used to determine whether to prevent access to an account related to the second transaction. As an example, in response to determining that the identifying characteristic is present in the second image, access to the account related to the second transaction may be prevented.Type: GrantFiled: March 3, 2023Date of Patent: November 12, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
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Patent number: 12141881Abstract: 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: GrantFiled: May 19, 2023Date of Patent: November 12, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Jennifer Yingying Weng, Nikhil Joshi, Guo Chen, Siwen Yang, Zijiang Yang, Xiaowen Xu, Shuo Liu, Sebastiano Rossi
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Patent number: 12136125Abstract: 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: GrantFiled: March 17, 2023Date of Patent: November 5, 2024Assignee: NEX Services North America LLCInventors: Michael Merold, John E. Schoen
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Patent number: 12125020Abstract: According to one embodiment, a transaction processing system for retail stores that sell optionally deliverable commodities includes a communication network connectable to a mobile user terminal permitting a customer to register items for purchase on a sales floor of a store. A transaction processing server stories commodity codes for items sold by the store. Each commodity code is associated with a deliverable flag indicating whether the item is deliverable. A processor of the server is configured to: determine whether a registered commodity code is a deliverable commodity based on the deliverable flag value associated with the registered commodity code; cause the mobile user terminal to display a decision screen for receiving a selection input from the customer to have the item delivered or not; and register the customer's selection in conjunction with the registered commodity code to permit settlement of the sales transaction including the deliverable commodity.Type: GrantFiled: March 14, 2023Date of Patent: October 22, 2024Assignee: Toshiba Tec Kabushiki KaishaInventor: Yusuke Minoura
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Patent number: 12118857Abstract: 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: GrantFiled: July 12, 2023Date of Patent: October 15, 2024Assignee: AdrenalineIPInventors: Casey Alexander Huke, John Cronin, Joseph W. Beyers, Michael D'Andrea
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Patent number: 12093916Abstract: A system includes a processor and a data storage medium where the processor is caused to define a first set of account controls for a first user of a customer account based on customer information where the first set of account controls comprise first permissions and first restrictions, define a second set of account controls for a second user of the customer account where the second set of account controls comprise second permissions and second restrictions, determine that a control criteria has met a threshold, automatically adjust the first set of account controls to increase the first permissions and decrease the first restrictions, and transmit a notification to a first user device associated with the first user and to a second user device associated with the second user, the notification indicating that the first set of account controls have been adjusted.Type: GrantFiled: April 28, 2022Date of Patent: September 17, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Sharon Terry
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Patent number: 12079788Abstract: A method for issuing a personalized financial transaction card including receiving customer information and card information from a customer at the branch location, the card information including a card PIN, inputting the customer information and at least some the card information into a data processing terminal at the branch, communicating the customer information and the card information across a network to a card services provider, entering the PIN into a PIN database, generating a reference number, storing the reference number and at least some of the customer data and card data in a card file, retrieving the PIN from the PIN database, using the retrieved PIN to apply calculations to the card file, securely sending the card file from the card services provider across the network to the branch location, and using information from the card file, printing the financial transaction card for the customer at the branch location.Type: GrantFiled: April 25, 2023Date of Patent: September 3, 2024Assignee: CPI CARD GROUP—TENNESSEE, INC.Inventors: Bobby Smith, James White
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Patent number: 12073411Abstract: A computer-implemented method is provided. A first transaction from a sender made via the sender PSP server to a receiver via a receiver PSP server is identified. When the first transaction is pending, at least one subsequent transaction from the sender to the receiver is detected. Transaction parameters of the at least one subsequent transaction is compared with transaction parameters of the first transaction for determining that the first transaction and the at least one subsequent transaction are associated with a single payment. One or more messages are transmitted, when one of the first transaction and the at least one subsequent transaction is identified as successful to indicate that one of the first transaction and the at least one subsequent transaction is successful and to discard other transactions.Type: GrantFiled: June 11, 2020Date of Patent: August 27, 2024Assignee: Visa International Service AssociationInventors: Rakesh Ramamurthy, Sandeep Doddipalli, Rajeev Gangapura Cho Iyer, Sriram Sethumadhavan, Sudhir Krishna V L, Alkondan Chockalinga Mooppanar
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Patent number: 12045799Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.Type: GrantFiled: December 7, 2022Date of Patent: July 23, 2024Assignee: Visa International Service AssociationInventors: Pamela Ghosh, Rajagopal Prabhakar, Sachin Ramchandani, Pramod Mulani, Hemanth Kumar Manoharan
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Patent number: 12033155Abstract: Like many credit card payments, virtual card payments are subject to fraudulent transactions. To lower this possibility, data collected from a settlement transaction is stored including a merchant category code, a tax identification number, a merchant identification and an IP address of the processing terminal. Subsequent payments from the same payor to the same payee are verified against the previous settlement transaction data to minimize the possibility of fraud.Type: GrantFiled: February 7, 2023Date of Patent: July 9, 2024Assignee: VPAY, INC.Inventor: Robert M. Allen