Patents Examined by Xavier M. Bennett
  • Patent number: 11574365
    Abstract: Methods, apparatus, systems, computing devices, computing entities, and/or the like for generating a pre-approval token for a claim payment request based at least in part on draft claim data. The pre-approval token may be appended to a final, formalized claim relating to the draft claim during a formal claim submission process to retrieve and apply the results of the pre-approval review to facilitate formal claim resolution.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: February 7, 2023
    Assignee: Optum, Inc.
    Inventor: Kurt Indermaur
  • Patent number: 11526867
    Abstract: In an example embodiment, a method for push payment decision routing in relation to a transaction is provided. An example method comprises issuing a virtual payment identifier to a mobile device and receiving payment rules from a mobile device. The user-defined rules include parameters for invoking at least one push payment to be made via the virtual payment identifier for the transaction. Instructions to implement or pay for the transaction as a pull payment are received and, based on the rules, the transaction is completed or paid for a push payment.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: December 13, 2022
    Assignee: Stripe, Inc.
    Inventors: Michael David Dahn, Eduardo Serrano
  • Patent number: 11514455
    Abstract: Method, system and non-transitory computer-readable medium configured to store instructions for implementing a method for providing automated collateral eligibility services implemented by one or more collateral management service (CMS) devices between a client and at least one other party. The method includes receiving a collateral eligibility schedule setup request from a client device. The collateral eligibility schedule setup request includes one or more attributes and one or more rules. The method further includes initiating a current collateral eligibility schedule based on the received collateral eligibility schedule setup request; transmitting a notification to the at least one other party to review the current collateral eligibility schedule; receiving approval of the current collateral eligibility schedule from the at least one other party; and activating the approved current collateral eligibility schedule.
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: November 29, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: James Curran Dickinson, Talia Faye Klein
  • Patent number: 11488251
    Abstract: Various examples described herein are directed to systems and methods for managing multi-party transactions. A payment management system may receive a premium payment message from a user computing device. The premium payment message may describe a premium payment towards a health insurance policy held by a user of the user computing device. The payment management system may initiate a deposit of the premium payment to a premium account associated with the user. The payment management system may also receive a payment instruction from a payer system of a payer associated with the health insurance policy. The payment management system may select a first patient payment source and initiate a transfer of a payment amount to a provider.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: November 1, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Jason Robert Birgenheier
  • Patent number: 11481845
    Abstract: The present invention relates to a method, a system, and the associated software. With respect to the method, it is best characterized as a method of providing a user with an estimate of an aviation insurance premium from one or more vendors. The method may include receiving an aircraft identification input, transmitting user input information to one or more aviation insurance vendors, and displaying received aviation insurance premium estimates from one or more vendors. The system is best characterized as a system for administering aviation insurance estimates. In order to accomplish desired objectives, the system employs certain associated software to allow users to receive multiple aviation insurance premium quotes from one or more vendors.
    Type: Grant
    Filed: February 1, 2019
    Date of Patent: October 25, 2022
    Inventor: Matthew R. White
  • Patent number: 11468446
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for payment services are provided.
    Type: Grant
    Filed: May 28, 2019
    Date of Patent: October 11, 2022
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventors: Chao Li, Hua Zhao, Chunjie Dong, Hong Jin, Lijie Zhang
  • Patent number: 11436573
    Abstract: The present invention provides a data processing method and an apparatus. When a payment server makes a payment based on a payment amount and a payment instrument of a payer, the payment server has obtained merchant information and commodity information of a commodity to be paid for, and after the payment is successful, establishes a correspondence between a service verification code, the merchant information, and the commodity information. Therefore, after the payment server sends the service verification code to a terminal corresponding to the payer, a user can perform verification on a payment system based on the service verification code. This improves verification efficiency and decreases transaction costs.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: September 6, 2022
    Assignee: HUAWEI TECHNOLOGIES CO., LTD.
    Inventor: Heng Jiang
  • Patent number: 11429963
    Abstract: The present invention relates to providing a financial transaction and, more particularly, to a system and method for proceeding with a financial transaction in a financial terminal such as an automated teller machine (ATM) using an approval number resulting from pre-approval. The present invention is directed to providing a system and method for proceeding with a financial transaction, such as a cash withdrawal or a purchase of a gift certificate, by obtaining transaction approval in advance with a portable terminal through communication with a financial institution server or the like and then transferring only a result of the transaction approval to an ATM or the like.
    Type: Grant
    Filed: April 27, 2017
    Date of Patent: August 30, 2022
    Assignee: HAREX INFOTECH INC.
    Inventors: Kyung Yang Park, Dae Yeon Kim, Moon Ho Yang, Hoon Joon Jung
  • Patent number: 11410234
    Abstract: Systems and methods for dynamic implementation of exchange traded funds. In one embodiment, a method for dynamic implementation of exchange traded funds may include: (1) receiving a start of day value for a holding comprising a plurality of funds; (2) calculating a current value for the holding by applying a plurality of conducted trades after the start of day value involving at least one fund in the holding; (3) applying a plurality of open orders to at least one of the funds in the holding; (4) determining a per unit fund basket based on the current value; (5) optimizing the per unit fund basket; (6) compliance checking the per unit fund basket; (7) adjusting the per unit fund basket by using tax lot information to harvest a highest tax lot and a lowest tax lot; and (8) rebalancing the per-unit basket to match a next day index.
    Type: Grant
    Filed: August 24, 2018
    Date of Patent: August 9, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Brij Agarwal, Joanna M. Gallegos, Paul Edward Shield, Jr.
  • Patent number: 11403646
    Abstract: Point-of-sale (POS) e-commerce transaction verification via a mobile device such as a smart phone, smart watch, tablet, PC, appliance or personal assistant rather than numeric keypad on POS device. Near field communication (NFC), quick response (QR) code, push notification and executable application embodiments disclosed.
    Type: Grant
    Filed: March 1, 2019
    Date of Patent: August 2, 2022
    Assignee: Shopify Inc.
    Inventor: David Grant Seal
  • Patent number: 11373258
    Abstract: An electronic mortgage portfolio asset auction system includes at least one host computing device that assembles a mortgage asset inventory from received mortgage asset data of a plurality of financial institutions for bidding. The host computing device filters the mortgage asset inventory in view of a bidder's mortgage asset purchase criteria to identify mortgage assets corresponding to the bid order, generates at least one ranked list of the identified mortgage assets by applying financial institution preference criteria, and presents the at least one ranked list to the first one of the plurality of financial institutions.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: June 28, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Gautam Chopra, Sibasis Mohanty, Ashish Mathew
  • Patent number: 11373236
    Abstract: A method for processing requests to consolidate loans includes receiving, from one or more third party electronic computing devices, information regarding outstanding loans for a user that are issued by one or more third party lenders. The information is sent to a user electronic computing device. A selection is received of loans the user wishes to refinance or consolidate. A benefits analysis is performed for the loans. Based on the benefits analysis, a determination is made of whether any of the outstanding loans can be consolidated, and whether any of the loans are excluded from being consolidated. Consolidated loan information is sent to the user electronic computing device regarding a consolidated loan for any of the loans that can be consolidated. Exclusion information is sent to the user electronic computing device regarding any of the loans that are excluded from being consolidated.
    Type: Grant
    Filed: November 2, 2018
    Date of Patent: June 28, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Hayes Patrick Reed, Jason Michael Reiter, Steven Michael Schuler, Donna Syrovatka, Jane Turpin, Aaron John Ziegler
  • Patent number: 11341479
    Abstract: A payment system is disclosed including a point of sale device and an issuer. A payment device can be used to initiate a first payment request with a contactless reader. The first payment request is transmitted to an issuer. If the issuer refuses the payment request, then the point of sale device stores information related to the payment device (such as the Primary Account Number) in a storage unit. When a second payment request is received from the payment device the point of sale device can check whether information related to the payment device matches the information stored in the storage unit. If a match is found, then the point of sale device can request verification from a user by way of a user verification unit.
    Type: Grant
    Filed: August 23, 2018
    Date of Patent: May 24, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Bruno Carpreau
  • Patent number: 11321771
    Abstract: System and method configured to evaluate financial transaction information and detect overdraft transaction events regardless of the financial institution associated with the event.
    Type: Grant
    Filed: June 3, 2019
    Date of Patent: May 3, 2022
    Assignee: Intuit Inc.
    Inventors: Yair Horesh, Yehezkel S. Resheff, Daniel Ben David, Daniel Vaisman
  • Patent number: 11315107
    Abstract: Systems and methods for automatically enabling and disabling a purchase card based on predetermined preferences set by a cardholder are provided. The systems and methods enable users to set preferences in advance, and then automatically determine whether to accept or decline a transaction based on the preset preferences. The systems and methods may also implement a learning algorithm to develop preferences based on historical cardholder behavior.
    Type: Grant
    Filed: March 13, 2019
    Date of Patent: April 26, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Nicholas Fisher, Dipak K. Mukhopadhyay, Howard Abramowitz, Gabriella M. Tolotta, Priyanka Malkoti, Noor Shadid, Edward Zlatsen, James P. White, III, John L. Oliver, III, Eric Han Kai Chang, Sudheer K. Vankadara
  • Patent number: 11276112
    Abstract: Certain aspects of the present disclosure provide techniques for predicting a transaction time based on user position data. In certain aspects, a method for predicting a transaction time based on user position data includes obtaining a transaction record and one or more user positions associated with a user. The method also includes obtaining one or more business records associated with each respective user position. The method further includes calculating one or more similarity scores, where each similarity score is based on a similarity between a respective business record and the transaction record. The method also includes associating the transaction record with a business record based on a maximum similarity score of the one or more similarity scores. The method further includes determining a predicted transaction time for the transaction record based on at least a timestamp of a user position associated with the business record associated with the transaction record.
    Type: Grant
    Filed: March 26, 2018
    Date of Patent: March 15, 2022
    Assignee: INTUIT INC.
    Inventor: Grace Wu
  • Patent number: 11244399
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of intelligent portfolio replication. The innovation receives an investment action request from a user. The investment action request is associated with a user investment account having a destination portfolio. The investment action request indicates a target portfolio. The target portfolio includes investments that are accessed. Allocations of each investment in the target portfolio are determined. The innovation determines trades that replicate the target portfolio using the determined allocations and a designated value of the destination portfolio. The trades are executed such that the target portfolio is replicated in the destination portfolio according to the allocations.
    Type: Grant
    Filed: August 8, 2018
    Date of Patent: February 8, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Zamsheer Basheer
  • Patent number: 11238433
    Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.
    Type: Grant
    Filed: December 29, 2017
    Date of Patent: February 1, 2022
    Assignee: PayPal, Inc.
    Inventors: Prashant Jamkhedkar, Patrick Babcock, Anant Ganapathy, Haoyu Xue, Jie Leng, Amarnath Kulkarni
  • Patent number: 11227269
    Abstract: An artificial intelligence system for managing a consumer relationship is provided. The artificial intelligence system includes: one or more client entities; a storage device configured to store data related to actions and characteristics of the one or more client entities, the actions and characteristics relating to payment of accounts receivable; one or more machine learning server devices configured to generate and update a machine learning model based on previous actions and characteristics of said one or more client entities; and predict future actions of the one or more client entities with respect to the payment of accounts receivable, based on the machine learning model.
    Type: Grant
    Filed: November 6, 2018
    Date of Patent: January 18, 2022
    Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: Leonardo Collares, Andre Souza
  • Patent number: 11170446
    Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: November 9, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: David W. Thurber