Did You Know...
...that Thomas Edison's patent application on his phonograph was approved by the Patent Office in just seven weeks? In contrast, it took Gordon Gould, the inventor of the laser, 30 years to obtain his patent -- finally awarded in 1988!
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| Number | Title | Issue Date |
| 8185550 | Systems and methods for event-based provisioning of elevated system privileges Methods and systems for providing elevated system access to users based on an alert from a monitoring tool or a request for change (RFC). Using the alert or RFC information, a provisioning server may reference the name of an impacted system against a database of pri... | 05/22/2012 |
| 8185457 | Transaction risk analyzer Methods and systems are disclosed for automatically identifying and managing potentially fraudulent transactions without adversely impacting legitimate customers. In one implementation, the methods and systems provide a transaction risk analyzer for analyzing a risk... | 05/22/2012 |
| 8185417 | System and method for providing multiple real-time pricing quotes based on optional consumer variables A method and system for providing multiple real-time pricing quotes based on optional consumer variables is disclosed. A user accesses a web site and is provided with a web page enabling the user to choose a product with multiple optional features. Upon selection of... | 05/22/2012 |
| 8180655 | Systems and methods for processing vehicle or driver performance data Apparatus and methods to process vehicle or driver behavior data are described herein. In some examples, the behavior data is used by a premium calculating engine to derive a premium for a vehicle insurance policy using the data. The behavior data may be associated ... | 05/15/2012 |
| 8171111 | Systems and methods for non-specific address routing The present disclosure provides a system and method for online continuity. Online continuity can include a number of Internet or intranet access points via which one or more network addresses can be advertised. A client can be provided with availability of an applic... | 05/01/2012 |
| 8171037 | System and method for reference number expansion Method and system are disclosed for expanding a reference number range without altering existing data storage length. Such reference numbers may include employee numbers, social security numbers, customer account numbers, and the like. The method/system takes advant... | 05/01/2012 |
| 8170892 | System and method for establishing rates for an automobile insurance policy Automobile insurance rates are established by performing calculations for defining a single tier placement dependent upon a combination of mutually exclusive factors based on applicant data. The factors include a household driving record gradient, a stability gradie... | 05/01/2012 |
| 8160904 | System and method to provide process status update information Disclosed are systems and methods to provide process status update information. The systems and methods provide techniques to communicate with a party about a process in which the party has an interest, provide the party with an identifier, the identifier related to... | 04/17/2012 |
| 8159342 | Systems and methods for wireless object tracking A system for object tracking may comprise at least one subsystem that couples an electronic signal emitting and receiving device to an object to be tracked, at least one subsystem that assigns an identifier to the object, at least one subsystem that registers the id... | 04/17/2012 |
| 8157164 | Systems and methods for providing financial card via automated teller machine An institution system may approve a user for a financial card. The institution system may notify the user that an application for the financial card has been approved and may advise the user to go to an automated teller machine (ATM) to obtain the financial card. Th... | 04/17/2012 |
| 8156024 | Systems and methods for directing disposition of certificate of deposit The disposition of funds in a certificate of deposit (CD) may be specified at or near the time the CD is applied for. The depositor may specify disposition of funds such as transferring the funds to an account, paying a bill, donating the funds to charity, rolling o... | 04/10/2012 |
| 8150748 | Systems and methods for dynamic configuration of software agents for transfer operations Systems and methods for providing the dynamic configuration of software agents for transfer operations are described. The apparatus may include a transaction processor to receive and execute transfer requests, an object execution engine to retrieve one or more softw... | 04/03/2012 |
| 8146810 | Systems and methods for automated reward redemption System and methods for transaction processing using a rewards account are described. The method may include: receiving a transaction containing a transaction type, formatting a message based on the transaction type and sending the message. The method may alternately... | 04/03/2012 |
| 8146805 | Systems and methods for depositing cash into deposit account A deposit card may be issued to a user that allows the user to go to a merchant and deposit cash into a deposit account of the user using information from the deposit card. The deposit card is unidirectional as it only can be used to deposit money into the deposit a... | 04/03/2012 |
| 8145565 | Credit card account shadowing Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made ... | 03/27/2012 |
| 8145564 | Systems and methods for supporting extended pay date options on an insurance policy A recurring automatic payment date may be set for an insurance policy premium based on customer preference. A server may receive a customer-specified day of a month and/or a request for bimonthly withdrawals, such as may be entered via a user interface on an insuran... | 03/27/2012 |
| 8135658 | Systems and methods for providing real-time over-ride capability Decision software implements a decision process that handles and decides a request from a requestor in a generally automated manner. The decision software denies the request according to a predefined standard. Information relating to the request and the denial decis... | 03/13/2012 |
| 8132016 | Method, system, and computer program product for the authentication of multiple users in a common session A first information handling system (“IHS”) receives identification information of a first user of a second IHS. The first IHS initiates a network session in response to authenticating the identification information of the first user. Within the network session,... | 03/06/2012 |
| 8126962 | Systems and methods for tracking user activity at website A data source generates a requested page for an electronic network site to include inserted tracking parameters to aid in tracking the activities of the user at the site. The site receives the generated page with the inserted tracking parameters and returns to a use... | 02/28/2012 |
| 8126745 | Digital asset insurance Digital assets may be insured against loss. The digital assets may comprise commercial products and/or user-generated data. An insurance product may provide either for monetary reimbursement or replacement (e.g., repurchase) of the digital assets and/or for backup s... | 02/28/2012 |
| 8121947 | Methods and systems for electronic transfer of financial accounts between financial institutions A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using inform... | 02/21/2012 |
| 8121938 | Comprehensive online loan transaction Method and system for conducting a commercial transaction requiring a monetary loan online to allow a consumer or borrower to access a lending institution over a network connection and apply for a monetary loan online. The loan application is processed in real time ... | 02/21/2012 |
| 8112332 | Financial assessment systems and methods Financial assessment systems, methods and graphical user interfaces are described. Financial information for an individual is received and integrated in a financial plan. A synopsis view of the financial plan is graphically presented. The synopsis view of the financ... | 02/07/2012 |
| 8109436 | Secure card Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that activates the card and a second number written to the card at activation awa... | 02/07/2012 |
| 8106769 | Systems and methods for automated house damage detection and reporting A system for automated house damage detection and reporting may comprise at least one subsystem configured for receiving a damage detection signal detecting potential damage to a building from at least one sensor operably connected to the building, and at least one ... | 01/31/2012 |
| 8103693 | Systems and methods for sharing data from web accessed calculators Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives... | 01/24/2012 |
| 8103582 | Multi-purpose transaction account A transaction account is disclosed that includes attributes of a checking or savings account in that, for example, an account holder earns interest on a positive balance in the account. The transaction account additionally includes attributes of a credit-card-type a... | 01/24/2012 |
| 8099349 | Certificate of deposit consolidation A user may schedule certificates of deposit (CDs) to be consolidated at maturity into an annuity, long term care insurance, or life insurance. The user provides information pertaining to their certificates of deposits, such as amount and maturity dates, and recommen... | 01/17/2012 |
| 8083141 | Systems and methods for transactions with a headless automated teller machine or point of sale device Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device us... | 12/27/2011 |
| 8083129 | Systems and methods for electronic document delivery, execution, and return To expedite electronic delivery and return of a document, the document is sent to an electronic mail system and stored in an electronic form thereat. The recipient is informed that the document is available thereto at any of a plurality of merchants where the docume... | 12/27/2011 |
| 8082577 | Systems and methods for deployment of secure shell devices A shell device with minimal software and/or hardware resources can download from a server configuration information and/or user data in order to allow the shell device to communicate with other computing devices (whether cell phones, personal digital assistants, lap... | 12/20/2011 |
| 8073715 | Systems and methods for providing enhanced service using public records Systems and methods for providing enhanced service using public records are described. A financial institution may obtain property data from public records regarding a property associated with a customer. The retrieved property data may be compared with existing cus... | 12/06/2011 |
| 8072926 | Systems and methods for device emulation on mobile channel A user may access a website via a mobile channel using a mobile device. As the user is logged into the website, the user may call or otherwise contact a representative via another communications channel with the mobile device or another user device, such as a phone ... | 12/06/2011 |
| 8069240 | Performance tuning of IT services Methods and systems are disclosed for modeling the performance of an IT service. The methods and systems take a holistic approach by treating the entire IT service instead of the individual nodes. In one implementation, the methods and systems provide a tool for map... | 11/29/2011 |
| 8069068 | Systems and methods for insuring stored food A person may store food to prepare for an emergency. An insurance policy may be issue to cover the stored food against loss, theft, spoilage, etc. In issuing the insurance policy and setting the premium, the insurer may take various factors into account, such as the... | 11/29/2011 |
| 8065209 | System and method for bundling financial services products with a mortgage in connection with a move event Financial products, such as a mortgage, homeowner's insurance, and various forms of life insurance, can be packaged together and marketed around a move event. A customer can apply for a mortgage on a web site. As part of the application process, certain data is coll... | 11/22/2011 |
| 8061602 | Systems and methods for price searching on a mobile device Price searching on a mobile device is provided. A system for obtaining pricing information comprises at least one subsystem that electronically reads a price and product data of a product using a mobile device, at least one subsystem that searches for other availabl... | 11/22/2011 |
| 8058988 | Systems and methods for wireless object tracking A system for object tracking may comprise at least one subsystem that couples an electronic signal emitting and receiving device to an object to be tracked, at least one subsystem that assigns an identifier to the object, at least one subsystem that registers the id... | 11/15/2011 |
| 8051103 | Systems and methods for creating documents from templates A merge application creates a particular set of documents for a particular matter. The merge application receives a selection of a particular master template corresponding to the particular set of documents, where the selected master template specifies a plurality o... | 11/01/2011 |
| 8051002 | Performance based auto loans Disclosed are systems and methods for providing a loan having an interest rate and a loan period. The systems and methods dynamically adjust the interest rate during the loan period based on actual payment performance of a borrower, thereby resulting in an improved ... | 11/01/2011 |
