Patents by Inventor Teresa Ho

Teresa Ho 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).

  • Publication number: 20240087467
    Abstract: A virtual environment may be provided, the virtual environment including a procedurally generated virtual landscape. The virtual landscape may include various components, such as natural terrain elements, infrastructural elements, and residential/commercial properties, that are automatically generated based upon procedural rules so as to provide uniqueness of any one virtual landscape. A user may enter the virtual environment and, via various virtual tools, identify aspects of the generated virtual landscape that affect risk to one or more of the properties therein.
    Type: Application
    Filed: November 14, 2023
    Publication date: March 14, 2024
    Inventors: Rebecca A. Little, Bryan R. Nussbaum, Deanna L. Stockweather, Nathan C. Summers, Vicki King, Teresa Ho
  • Patent number: 11847937
    Abstract: A virtual environment may be provided, the virtual environment including a procedurally generated virtual landscape. The virtual landscape may include various components, such as natural terrain elements, infrastructural elements, and residential/commercial properties, that are automatically generated based upon procedural rules so as to provide uniqueness of any one virtual landscape. A user may enter the virtual environment and, via various virtual tools, identify aspects of the generated virtual landscape that affect risk to one or more of the properties therein.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: December 19, 2023
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Rebecca A. Little, Bryan R. Nussbaum, Deanna L. Stockweather, Nathan C. Summers, Vicki King, Teresa Ho
  • Publication number: 20200394694
    Abstract: Provided is an emergency management system including at least one processor in communication with an electronic payment processing network, the electronic payment processing network including a transaction processing system, a plurality of merchant systems associated with merchant locations, and a plurality of issuer systems. The at least one processor is programmed or configured to retrieve, from the electronic payment processing network, transaction data associated with a plurality of transactions and determine an operational status of at least one first entity associated with the plurality of transactions based on the difference between a first transaction count and a second transaction count, and in response to determining the operation status of the at least one first entity, automatically communicate a message to at least one second entity based on the operational status of the at least one first entity.
    Type: Application
    Filed: August 27, 2020
    Publication date: December 17, 2020
    Inventors: Mahesh Joshi, Ankur Raina, Teresa Ho, Todd Winners
  • Patent number: 10783566
    Abstract: Provided is a system for determining a status of at least one merchant during or after an emergency event including at least one processor to retrieve historical transaction data for at least one merchant associated with a merchant category code (MCC), determine a first transaction count for the at least one merchant based on the historical transaction data for the at least one merchant, retrieve current transaction data for the at least one merchant, determine a second transaction count for the at least one merchant based on the current transaction data for the at least one merchant, classify the at least one merchant based at least partially on a comparison between the first transaction count and the second transaction count, and display a classification of the at least one merchant based on classifying the at least one merchant. A method and computer program product are also disclosed.
    Type: Grant
    Filed: July 13, 2018
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Mahesh Joshi, Ankur Raina, Teresa Ho, Todd Winners
  • Publication number: 20190019232
    Abstract: Provided is a system for determining a status of at least one merchant during or after an emergency event including at least one processor to retrieve historical transaction data for at least one merchant associated with a merchant category code (MCC), determine a first transaction count for the at least one merchant based on the historical transaction data for the at least one merchant, retrieve current transaction data for the at least one merchant, determine a second transaction count for the at least one merchant based on the current transaction data for the at least one merchant, classify the at least one merchant based at least partially on a comparison between the first transaction count and the second transaction count, and display a classification of the at least one merchant based on classifying the at least one merchant. A method and computer program product are also disclosed.
    Type: Application
    Filed: July 13, 2018
    Publication date: January 17, 2019
    Inventors: Mahesh Joshi, Ankur Raina, Teresa Ho, Todd Winners