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).

  • Patent number: 11074660
    Abstract: 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: Grant
    Filed: December 6, 2013
    Date of Patent: July 27, 2021
    Assignee: 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
  • Patent number: 10552917
    Abstract: 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: Grant
    Filed: December 6, 2013
    Date of Patent: February 4, 2020
    Assignee: 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
  • Patent number: 10402910
    Abstract: 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: Grant
    Filed: December 6, 2013
    Date of Patent: September 3, 2019
    Assignee: 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
  • Patent number: 9965808
    Abstract: 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: Grant
    Filed: December 6, 2013
    Date of Patent: May 8, 2018
    Assignee: 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
  • Publication number: 20160141128
    Abstract: 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: Application
    Filed: November 12, 2015
    Publication date: May 19, 2016
    Inventors: Michael KIRCH, René NEUMANN, Hans-Christian LIEHR
  • Patent number: 8990333
    Abstract: A method, system, apparatus, and device provides alert information to a user of a device.
    Type: Grant
    Filed: July 18, 2014
    Date of Patent: March 24, 2015
    Assignee: Weather Decision Technologies, Inc.
    Inventors: James T. Johnson, Lee M. Robb, Clair L. Hehnly, Jr., Xuechao Yu, Caleb Creed, Karl Michael Kirch
  • Publication number: 20150061818
    Abstract: 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: Application
    Filed: August 20, 2014
    Publication date: March 5, 2015
    Inventors: Elfriede KLASCHEWSKI, Tan Le NGUYEN, René NEUMANN, Michael ZELENY, Michael KIRCH, Rainer MITSCHELE, Hans-Christian LIEHR
  • Publication number: 20140327547
    Abstract: A method, system, apparatus, and device provides alert information to a user of a device.
    Type: Application
    Filed: July 18, 2014
    Publication date: November 6, 2014
    Applicant: Weather Decision Technologies
    Inventors: James T. Johnson, Lee M. Robb, Clair L. Hehnly, JR., Xuechao Yu, Caleb Creed, Karl Michael Kirch
  • Publication number: 20140225709
    Abstract: 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: Application
    Filed: February 18, 2014
    Publication date: August 14, 2014
    Inventors: Michael KIRCH, Elfriede KLASCHEWSKI, René NEUMANN
  • Publication number: 20140156351
    Abstract: 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: Application
    Filed: June 27, 2013
    Publication date: June 5, 2014
    Inventors: Michael Kirch, Saurabh H. Sanghvi, Daniel Sharfman
  • Publication number: 20130339211
    Abstract: 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: Application
    Filed: May 24, 2013
    Publication date: December 19, 2013
    Applicant: GOLDMAN, SACHS & CO
    Inventors: Michael Kirch, Daniel Sharfman, Saurabh H. Sanghvi
  • Patent number: 8504465
    Abstract: 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: Grant
    Filed: December 27, 2011
    Date of Patent: August 6, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8484124
    Abstract: 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: Grant
    Filed: December 28, 2011
    Date of Patent: July 9, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8478684
    Abstract: 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: Grant
    Filed: December 28, 2011
    Date of Patent: July 2, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8478685
    Abstract: 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: Grant
    Filed: January 11, 2012
    Date of Patent: July 2, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8478683
    Abstract: 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: Grant
    Filed: December 23, 2011
    Date of Patent: July 2, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8452694
    Abstract: 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: Grant
    Filed: January 13, 2012
    Date of Patent: May 28, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8442901
    Abstract: 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: Grant
    Filed: December 23, 2011
    Date of Patent: May 14, 2013
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Saurabh Sanghvi, Daniel Sharfman
  • Patent number: 8326731
    Abstract: 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: Grant
    Filed: April 9, 2007
    Date of Patent: December 4, 2012
    Assignee: Goldman, Sachs & Co.
    Inventors: Michael Kirch, Daniel Sharfman, Saurabh H. Sanghvi
  • Publication number: 20120290459
    Abstract: 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: Application
    Filed: January 11, 2012
    Publication date: November 15, 2012
    Inventors: Michael Kirch, Daniel Sharfman, Saurabh H. Sanghvi