Patents by Inventor Sue Murphy
Sue Murphy 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: 11983770Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.Type: GrantFiled: November 25, 2022Date of Patent: May 14, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
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Patent number: 11538107Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.Type: GrantFiled: February 12, 2021Date of Patent: December 27, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
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Patent number: 10949921Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.Type: GrantFiled: June 3, 2019Date of Patent: March 16, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
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Patent number: 10311512Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.Type: GrantFiled: September 2, 2016Date of Patent: June 4, 2019Assignee: WELLS FARGO BANK, N.A.Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
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Publication number: 20180260908Abstract: Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use—the selected rate is conveyed upon the interface.Type: ApplicationFiled: May 11, 2018Publication date: September 13, 2018Inventors: Fred Collopy, Craig Allen Nard, Himanshu S. Amin, Gregory Turocy, Patrica Sue Murphy, Ronald Charles Krosky, David Noonan, Gustavo Arnaldo Narvaez, Brian Asquith
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Patent number: 9996884Abstract: Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use—the selected rate is conveyed upon the interface.Type: GrantFiled: July 21, 2015Date of Patent: June 12, 2018Assignee: Great Lakes Incubator, LLCInventors: Fred Collopy, Craig Allen Nard, Himanshu S. Amin, Gregory Turocy, Patrica Sue Murphy, Ronald Charles Krosky, David Noonan, Gustavo Arnaldo Narvaez, Brian Asquith
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Publication number: 20150324927Abstract: Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use—the selected rate is conveyed upon the interface.Type: ApplicationFiled: July 21, 2015Publication date: November 12, 2015Applicant: Great Lakes Incubator, LLCInventors: Fred Collopy, Craig Allen Nard, Himanshu S. Amin, Gregory Turocy, Seyed Vahid Sharifi Takieh, Patrica Sue Murphy, Ronald Charles Krosky, David Noonan, Gustavo Arnaldo Narvaez, Brian Asquith
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Publication number: 20130255280Abstract: A portable water-generating device for obtaining water from ambient air including a thermoelectric cooling device having a cold side and a hot side, a thermally-conductive cold sink having multiple cold sink fins of a first size thermally coupled to the cold side and a thermally-conductive heat sink with multiple heat sink fins of a second size thermally coupled to the hot side. Air-movement devices move ambient air into the device and over the cold sink fins. The ambient air is cooled as it passes over the cold sink fins causing water to condense on the cold sink fins and to collect into a collecting tray. The water is then pumped through a multi-stage filtration and mineralization system and into a dispensing water reservoir for immediate or later use.Type: ApplicationFiled: April 3, 2012Publication date: October 3, 2013Inventors: Thomas John Murphy, Denis Napoleon Jean, Marietta Sue Murphy, Johanna Julia Adler
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Publication number: 20100131300Abstract: Real-time insurance rates can be generated and presented to a driver—as the rate changes, the change can be shown through an interface. Different factors can be evaluated and based upon a result of the evaluation, the rate can be determined. The determination can be performed locally at a vehicle as well as by an insurance company. A bidding process can be used where different insurance companies supply rates and a user or automated process selects the rate for use - the selected rate is conveyed upon the interface.Type: ApplicationFiled: February 27, 2009Publication date: May 27, 2010Inventors: Fred Collopy, Craig Allen Nard, Himanshu S. Amin, Gregory Turocy, Seyed Vahid Sharifi Takieh, Patrica Sue Murphy, Ronald Charles Krosky, David Noonan, Gustavo Arnaldo Narvaez, Brian Asquith