Patents by Inventor Michael Kirch
Michael Kirch 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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Patent number: 11074660Abstract: Systems and methods are disclosed for financial planning based on actual cash positions for financial accounts associated with an entity and planned cash out and cash in amounts for the entity. In an embodiment, a system comprises a processor configured to render an interactive graphical user interface (“GUI”) on a display device. The GUI has a plurality of selectable, actionable user interface elements such as tabs. In an embodiment, the GUI comprises a first tab selectable to display actual and planned net amount information of a cash position and actual and planned net amount graphs, the net amount information being cash out amounts subtracted from cash in amounts. The GUI comprises a second tab operable to display actual and planned cash in amount information and actual and cash in amount graphs. In an embodiment, the GUI comprises a third tab operable to display actual and planned cash out amount information and actual and planned cash out amount graphs.Type: GrantFiled: December 6, 2013Date of Patent: July 27, 2021Assignee: The PNC Financial Services Group, Inc.Inventors: Thomas Kunz, Michael Golden, Michael Kirch, Darcel Steber, Janet Hoyt, Peter Bird, Francisca Barros, Daniel DeRuntz, Islam Elsedoudi, Anna Engström, Michelle Kwasny, Scott Mackie, Stacey McCullough, Pierre-Alexandre Poirier, Todd Vanderlin, Colin Raney
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Patent number: 10552917Abstract: Systems and methods are disclosed for managing cash out transactions for an entity's accounts. In an embodiment, a system comprises a processor configured to render an interactive graphical user interface (GUI) for a cash out center on a display device. The GUI includes plurality of selectable, actionable user interface (UI) elements. The cash out center displays past and committed, unconfirmed Cash Out transactions, which can be edited, deleted, and committed (or re-committed) by selecting UI elements. A UI element is selectable to add new payees and new Cash Out transactions. In embodiments, methods employ the Cash Out center to add, edit, schedule and delete Cash Out transactions such as outgoing transfers, expenses, payments, bills, and payables.Type: GrantFiled: December 6, 2013Date of Patent: February 4, 2020Assignee: The PNC Financial Services Group, Inc.Inventors: Thomas Kunz, Michael Golden, Michael Kirch, Darcel Steber, Janet Hoyt, Peter Bird, Francisca Barros, Daniel DeRuntz, Islam Elsedoudi, Anna Engström, Michelle Kwasny, Scott Mackie, Stacey McCullough, Pierre-Alexandre Poirier, Todd Vanderlin, Colin Raney
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Patent number: 10402910Abstract: Systems and methods are disclosed for managing cash flow, including incoming and outgoing transactions, and mitigating unconfirmed cash shortfalls for an entity's accounts. In an embodiment, a system comprises a processor configured to render an interactive graphical user interface (“GUI”) for the cash flow timeline on a display device. The cash flow timeline displays past and unconfirmed Cash In and Cash Out transactions and any cash shortfalls, which can be mitigated by selecting automatically displayed options. The GUI has a plurality of selectable, actionable user interface (“UI”) elements. In an embodiment, the GUI comprises a UI element selectable to display bar graphs for selected time periods of the cash flow timeline. The GUI also comprises Cash In and Cash Out centers. In embodiments, methods employ the Cash In/Out centers to add, edit, schedule and delete Cash In and Cash Out transactions such as transfers, expenses, bills, receivables, and payables.Type: GrantFiled: December 6, 2013Date of Patent: September 3, 2019Assignee: The PNC Financial Services Group, Inc.Inventors: Thomas Kunz, Michael Golden, Michael Kirch, Darcel Steber, Janet Hoyt, Peter Bird, Francisca Barros, Daniel DeRuntz, Islam Elsedoudi, Anna Engström, Michelle Kwasny, Scott Mackie, Stacey McCullough, Pierre-Alexandre Poirier, Todd Vanderlin, Colin Raney
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Patent number: 9965808Abstract: Systems and methods are disclosed for managing cash in transactions for an entity's accounts. In an embodiment, a system comprises a processor configured to render an interactive graphical user interface (GUI) for a cash in center on a display device. The GUI includes plurality of selectable, actionable user interface (UI) elements. The cash in center displays past, unconfirmed and ‘confirmed’ Cash in transactions, which can be edited, deleted, and scheduled (or re-scheduled) by selecting UI elements. A UI element is selectable to add new customers and new Cash in transactions. In embodiments, methods employ the Cash in center to add, edit, project, and delete Cash in transactions such as incoming transfers, credits, customer payments, and receivables. The methods and system also enable entities to place Cash In transaction in a confirmed status to indicate that an incoming customer payment, credit, or transfer is being processed.Type: GrantFiled: December 6, 2013Date of Patent: May 8, 2018Assignee: The PNC Financial Services Group, Inc.Inventors: Thomas Kunz, Michael Golden, Michael Kirch, Darcel Steber, Janet Hoyt, Peter Bird, Francisca Barros, Daniel DeRuntz, Islam Elsedoudi, Anna Engström, Michelle Kwasny, Scott Mackie, Stacey McCullough, Pierre-Alexandre Poirier, Todd Vanderlin, Colin Raney
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Publication number: 20160141128Abstract: A temperature-dependent switch has a housing whereon a first and at least one second connection surface are arranged for the galvanic attachment of connection leads. Within the housing a temperature-dependent switching mechanism is arranged, which produces or opens an electrically conductive connection between the two connection surfaces depending on the temperature of said switching mechanism. The connection leads are connected via the inner ends thereof to the connection surfaces by one-sided spot welding.Type: ApplicationFiled: November 12, 2015Publication date: May 19, 2016Inventors: Michael KIRCH, René NEUMANN, Hans-Christian LIEHR
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Patent number: 8990333Abstract: A method, system, apparatus, and device provides alert information to a user of a device.Type: GrantFiled: July 18, 2014Date of Patent: March 24, 2015Assignee: Weather Decision Technologies, Inc.Inventors: James T. Johnson, Lee M. Robb, Clair L. Hehnly, Jr., Xuechao Yu, Caleb Creed, Karl Michael Kirch
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Publication number: 20150061818Abstract: A temperature-dependent switch arranged with a housing has a temperature-dependent switching mechanism comprising a snap-action disc, on which at least one outer contact region and at least one inner contact region are provided. A movable contact part held on the inner contact region interacts with a first contact surface connected to a first external connection on an upper part of the housing. The at least one outer contact region is connected at least in sections permanently to a second contact surface connected to a second external connection on a lower part of the housing. The snap-action disc lifts off the movable contact part from the first contact surface depending on the temperature of the switching mechanism. The snap-action disc has at least one compensation section between the at least one outer contact region and the at least one inner contact region.Type: ApplicationFiled: August 20, 2014Publication date: March 5, 2015Inventors: Elfriede KLASCHEWSKI, Tan Le NGUYEN, René NEUMANN, Michael ZELENY, Michael KIRCH, Rainer MITSCHELE, Hans-Christian LIEHR
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Publication number: 20140327547Abstract: A method, system, apparatus, and device provides alert information to a user of a device.Type: ApplicationFiled: July 18, 2014Publication date: November 6, 2014Applicant: Weather Decision TechnologiesInventors: James T. Johnson, Lee M. Robb, Clair L. Hehnly, JR., Xuechao Yu, Caleb Creed, Karl Michael Kirch
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Publication number: 20140225709Abstract: A temperature-dependent switch has a first and a second stationary counter contact and a temperature-dependent switching mechanism comprising a temperature-dependent snap-action disc bearing a contact element and having a geometric high-temperature configuration and a geometric low-temperature configuration, and a bi-stable spring disc with two geometric configurations with temperature-independent stability. The switching mechanism produces an electrically conductive connection between the two counter contacts via the contact element. The spring disc presses the contact element either against the first counter contact or keeps it spaced apart therefrom. The snap-action disc is supported with its rim on the switch during the switching and in the process the spring disc flips from its first stable configuration into its second stable configuration, in which it remains even when the snap-action disc flips back.Type: ApplicationFiled: February 18, 2014Publication date: August 14, 2014Inventors: Michael KIRCH, Elfriede KLASCHEWSKI, René NEUMANN
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Publication number: 20140156351Abstract: The present disclosure is directed towards apparatuses, systems and methods to facilitate the pricing, sales and delivery of a commodity fuel to a Customer. In one embodiment, the disclosure teaches a Fuel Offer Generator that facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers can buy these fuel offers such that they may later exercise the fuel offers so their fuel costs are locked-in at desired levels (e.g., they may be set to strike prices). The Fuel Offer Generator also can establish a Premium Price that will be part of the fuel offer. The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases.Type: ApplicationFiled: June 27, 2013Publication date: June 5, 2014Inventors: Michael Kirch, Saurabh H. Sanghvi, Daniel Sharfman
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Publication number: 20130339211Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator that facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels. The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. A customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator employs a geographical fuel pump location metric as well as consumer purchasing behavior to establish the pricing of fuel offerings.Type: ApplicationFiled: May 24, 2013Publication date: December 19, 2013Applicant: GOLDMAN, SACHS & COInventors: Michael Kirch, Daniel Sharfman, Saurabh H. Sanghvi
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Patent number: 8504465Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. Ultimately, a customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. While the Fuel Offer Generator may place various constraints on redemption, it will employ various consumer behavior metrics to establish the pricing of fuel offerings.Type: GrantFiled: December 27, 2011Date of Patent: August 6, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8484124Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels. The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. Ultimately, a customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator employs a redemption condition based on a retail fuel pump price metric to establish the pricing of fuel offerings.Type: GrantFiled: December 28, 2011Date of Patent: July 9, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8478684Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. A customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator determines which metrics are relevant to pricing the fuel offering and then employs those determined metrics to establish the pricing of fuel offerings.Type: GrantFiled: December 28, 2011Date of Patent: July 2, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8478685Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. A customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator employs a geographical fuel pump location metric as well as consumer redemption to establish the pricing of fuel offerings.Type: GrantFiled: January 11, 2012Date of Patent: July 2, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8478683Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. A customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator determines which metrics are relevant to pricing the fuel offering and then employs those determined metrics to establish the pricing of fuel offerings.Type: GrantFiled: December 23, 2011Date of Patent: July 2, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8452694Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels. The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. A customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator employs a geographical fuel pump location metric as well as consumer purchasing behavior to establish the pricing of fuel offerings.Type: GrantFiled: January 13, 2012Date of Patent: May 28, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8442901Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. Ultimately, a customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator allows for the management of regional fuel price offerings and allows for fuel offering redemption based on fuel pump prices.Type: GrantFiled: December 23, 2011Date of Patent: May 14, 2013Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
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Patent number: 8326731Abstract: The present disclosure is directed towards apparatuses, systems and methods to facilitate the pricing, sales and delivery of a commodity fuel to a Customer. In one embodiment, the disclosure teaches a Fuel Offer Generator that facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers can buy these fuel offers such that they may later exercise the fuel offers so their fuel costs are locked-in at desired levels (e.g., they may be set to strike prices). The Fuel Offer Generator also can establish a Premium Price that will be part of the fuel offer. The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases.Type: GrantFiled: April 9, 2007Date of Patent: December 4, 2012Assignee: Goldman, Sachs & Co.Inventors: Michael Kirch, Daniel Sharfman, Saurabh H. Sanghvi
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Publication number: 20120290459Abstract: The present disclosure is directed to facilitating pricing, sales and delivery of a commodity. In one embodiment, a Fuel Offer Generator facilitates the purchase and management of fuel offerings. The Fuel Offer Generator allows Customers interested in securing fuel to obtain an offer for fuel at lock-in prices for various tenors. Fuel Customers may later exercise the fuel offers so their fuel costs are locked-in at desired levels The Fuel Offer Generator may generate hedges to counteract fuel related risks stemming from fuel offer purchases. A customer that purchases a fuel offering can exercise their fuel offering order at a specified price and redeem any difference between the market price for their purchased fuel and the price specified in their fuel offering order. The Fuel Offer Generator employs a geographical fuel pump location metric as well as consumer redemption to establish the pricing of fuel offerings.Type: ApplicationFiled: January 11, 2012Publication date: November 15, 2012Inventors: Michael Kirch, Daniel Sharfman, Saurabh H. Sanghvi