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).

  • Patent number: 11983770
    Abstract: 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: Grant
    Filed: November 25, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Patent number: 11538107
    Abstract: 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: Grant
    Filed: February 12, 2021
    Date of Patent: December 27, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Patent number: 10949921
    Abstract: 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: Grant
    Filed: June 3, 2019
    Date of Patent: March 16, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Patent number: 10311512
    Abstract: 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: Grant
    Filed: September 2, 2016
    Date of Patent: June 4, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Publication number: 20180260908
    Abstract: 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: Application
    Filed: May 11, 2018
    Publication date: September 13, 2018
    Inventors: Fred Collopy, Craig Allen Nard, Himanshu S. Amin, Gregory Turocy, Patrica Sue Murphy, Ronald Charles Krosky, David Noonan, Gustavo Arnaldo Narvaez, Brian Asquith
  • Patent number: 9996884
    Abstract: 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: Grant
    Filed: July 21, 2015
    Date of Patent: June 12, 2018
    Assignee: Great Lakes Incubator, LLC
    Inventors: Fred Collopy, Craig Allen Nard, Himanshu S. Amin, Gregory Turocy, Patrica Sue Murphy, Ronald Charles Krosky, David Noonan, Gustavo Arnaldo Narvaez, Brian Asquith
  • Publication number: 20150324927
    Abstract: 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: Application
    Filed: July 21, 2015
    Publication date: November 12, 2015
    Applicant: Great Lakes Incubator, LLC
    Inventors: 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
  • Publication number: 20130255280
    Abstract: 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: Application
    Filed: April 3, 2012
    Publication date: October 3, 2013
    Inventors: Thomas John Murphy, Denis Napoleon Jean, Marietta Sue Murphy, Johanna Julia Adler
  • Publication number: 20100131300
    Abstract: 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: Application
    Filed: February 27, 2009
    Publication date: May 27, 2010
    Inventors: 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