Patents by Inventor Michael Burger
Michael Burger has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20200327610Abstract: In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.Type: ApplicationFiled: February 13, 2020Publication date: October 15, 2020Inventors: JANICE ANNE ROHN, JULIA E. FEGEL, JEFFREY BRYAN MAHACEK, MICHAEL BURGER
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Patent number: 10740762Abstract: Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.Type: GrantFiled: December 17, 2018Date of Patent: August 11, 2020Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
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Publication number: 20200216008Abstract: The present invention relates to an airbag module (1), comprising a housing (2), a cover (3) connected to the housing (2) for forming a receiving space, a gas generator (4) arranged in the receiving space, an airbag arranged in the receiving space and a plate (5) for securing the airbag module (1) on a steering wheel, characterized in that the housing (2), the cover (3), the gas generator (4) and the airbag form an assembly, which is connected to the plate (5) via at least one releasable securing device (6), wherein at least the cover (3) of the assembly and the plate (5) can be moved relative to one another in a parallel direction (7) in relation to the plate (5) when the securing device (6) is partially released, and are secured relative to one another in a parallel direction (7) in relation to the plate (5) when the securing device (6) is tightened.Type: ApplicationFiled: September 11, 2018Publication date: July 9, 2020Inventors: Michael BURGER, Peter CHRISTOPH, Remi BAILLIVET
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Patent number: 10685336Abstract: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.Type: GrantFiled: October 5, 2018Date of Patent: June 16, 2020Assignee: Consumerinfo.com, Inc.Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
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Patent number: 10642999Abstract: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.Type: GrantFiled: August 24, 2018Date of Patent: May 5, 2020Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Mark Joseph Kapczynski
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Patent number: 10565643Abstract: In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.Type: GrantFiled: February 10, 2017Date of Patent: February 18, 2020Assignee: CONSUMERINFO.COM, INC.Inventors: Janice Anne Rohn, Julia E. Fegel, Jeffrey Bryan Mahacek, Michael Burger
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Publication number: 20190277704Abstract: A thermostat method includes receiving temperature readings from a remote temperature sensor; operating a processor in a first mode and a second mode, where the processor uses more average power when operating in the second mode than when operating in the first mode; and repeatedly transitioning the processor between operating in the first mode and operating in the second mode. Transitions from operating in the first mode to operating the second mode are caused at least in part by an expiration of a first time interval. The thermostat receives one or more of the temperature readings from the remote temperature sensor while the processor is operating in the second mode. The method also includes adjusting a length of the first time interval based at least in part on an estimate of how fast the temperature readings from the remote temperature sensor are approaching a threshold.Type: ApplicationFiled: April 16, 2018Publication date: September 12, 2019Applicant: Google LLCInventor: Eric Michael Burger
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Publication number: 20190259030Abstract: Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.Type: ApplicationFiled: December 17, 2018Publication date: August 22, 2019Inventor: Michael Burger
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Patent number: 10169761Abstract: Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.Type: GrantFiled: March 15, 2017Date of Patent: January 1, 2019Assignee: ConsumerInfo.com Inc.Inventor: Michael Burger
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Publication number: 20180365445Abstract: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.Type: ApplicationFiled: August 24, 2018Publication date: December 20, 2018Inventors: Michael Burger, Mark Joseph Kapczynski
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Patent number: 10115079Abstract: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.Type: GrantFiled: April 26, 2017Date of Patent: October 30, 2018Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
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Patent number: 10061936Abstract: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.Type: GrantFiled: December 27, 2016Date of Patent: August 28, 2018Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Mark Joseph Kapczynski
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Publication number: 20170372251Abstract: The invention relates to a system for simulating sensors that in particular measure a distance between the sensor and an object, that measure geometrical dimensions of the object, that measure positions of the object, that measure material, contrast, color, luminescence, brightness or transparency of the object, that measure polarization of the light reflected by the object or that measure a magnetic field strength.Type: ApplicationFiled: June 23, 2017Publication date: December 28, 2017Inventors: Gerhard ALT, Patrick BORNSTEIN, Davorin JAKSIC, Daniel KIETZ, Christoph MÄRKLE, Michael BURGER, Armin VOGELBACHER, Michael STINGL, Simone SCHWARZ
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Publication number: 20170228820Abstract: In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.Type: ApplicationFiled: February 10, 2017Publication date: August 10, 2017Inventors: JANICE ANNE ROHN, JULIA E. FEGEL, JEFFREY BRYAN MAHACEK, MICHAEL BURGER
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Patent number: 9665854Abstract: Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.Type: GrantFiled: June 15, 2012Date of Patent: May 30, 2017Assignee: ConsumerInfo.com, Inc.Inventors: Michael Burger, Michael John Dean, Mark Joseph Kapczynski, Nelson Yu
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Patent number: 9633322Abstract: Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.Type: GrantFiled: March 13, 2014Date of Patent: April 25, 2017Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
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Patent number: 9573928Abstract: The present invention relates to novel amides and a process for preparing these amides.Type: GrantFiled: September 30, 2014Date of Patent: February 21, 2017Assignee: Novartis AGInventors: Olivier Loiseleur, Daniel Kaufmann, Stephan Abel, Hans Michael Bürger, Mark Meisenbach, Beat Schmitz, Gottfried Sedelmeier
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Patent number: 9569797Abstract: In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.Type: GrantFiled: December 15, 2011Date of Patent: February 14, 2017Assignee: CONSUMERINFO.COM, INC.Inventors: Janice Anne Rohn, Julia E. Fegel, Jeffrey Bryan Mahacek, Michael Burger
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Patent number: 9558519Abstract: A computing device is configured to acquire or access credit or reporting data associated with a consumer. The computing device then is configured to analyze the credit or reporting data to determine reporting cycles for accounts associated with the consumer. For example, the computing device may determine that credit information for a particular account may be updated at a regular interval (e.g., once a month on the 3rd) or some other more complex cycle. The computing device can subsequently used the determined reporting cycles to predict the next reporting dates for respective accounts and provide the information, for instance, to the consumer.Type: GrantFiled: April 29, 2011Date of Patent: January 31, 2017Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
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Patent number: 9542553Abstract: In an embodiment, a computing system, such as a monitoring computer, receives a request from a user to monitor an account of the user with an online service provider. The request may include personal information and user preferences for one or more protective actions. The system periodically monitors external data sources for indications of changes to personal information associated with the account, and detects changes or attempted changes to personal information associated with the account. The system may determine risk levels associated with detected changes or attempted changes, and transmit a notification to the user via a communication channel selected based on the determined risk level and/or the user preferences. The system may also initiate protective actions, so that further unauthorized access to the account may be prevented.Type: GrantFiled: August 6, 2015Date of Patent: January 10, 2017Assignee: Consumerinfo.com, Inc.Inventors: Michael Burger, Mark Joseph Kapczynski