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DATA IN-DATA OUT PATENTS 2015

January 6, 2015

Total 705 Class patents issued: 81Data In-Data Out patents: at the very least, 16

PATENT DATA IN DATA OUTSystem and methods for content-based financial decision making support; US 8,930,247 B1; 1/6/2015; Class 705/35; 14 claims; assigned to FinancialSharp, Inc.

Proprietary information contained within a knowledge base; process of using database enables financial professionals to identify, analyze, and construct data analysis patterns based on individual domain knowledge and preferences.

Content-based decision-making support.

Frip: Database + some hardware = patent. So there, Alice.

System and method of evaluating an investment portfolio; US 8,930,250 B1; 1/6/2015; Class 705/35; 16 claims; assigned to Edward Jones & Co.

Portfolio; process involves categorizing assets, establishing thresholds, and identifying assets not in compliance.

Executed transactions. Frip: Multiple steps = patent. Forget Alice.

Debt trending systems and methods; US 8,930,251 B2; 1/6/2015; Class 705/35; 24 claims; assigned to Consumerinfo.com, Inc.

Credit reports and other financial data; process includes generating debt trending information that indicates in the form of lists, tables, graphs, charts, etc., information regarding multiple debt accounts associated with the user.

Total periodic payment amount indicating an amount the consumer must pay on a periodic basis to reach a selected payoff date.

Frip: Complexity = patent. Take that, Alice

Electronic financial management and analysis system and related methods; US 8,930,252 B2; 1/6/2015; Class 705/35; 17 claims; assigned to Globys, Inc.

Billing information from one or more billers; process involves a user-defined analysis.

One or more user-defined reports.

Frip: Software per se? Alice, what became of you?

Interactive systems and methods for estate planning related activities; US 8,930,253 B1; 1/6/2015; Class 705/36R; 17 claims; assigned to The Guardian Life Insurance Company of America.

Grantor information including a life expectancy state and a current financial state; key assets; process is interactive as facts and assumptions are changed.

Analyzed and illustrated projected financial state.

Frip: Interactive software? Is that the new patent line in the sand?

Financial methodology to valuate and predict the news impact of major events on financial instruments; US 8,930,254 B2; 1/6/2015; Class 705/36R; 20 claims; assigned to CommEq Asset Management Ltd.

Event having an association with a financial instrument; media data; process includes classifying the event into predefined event classes, predicting media coverage and impacts, and other stuff.

Prediction of event’s financial impact.

Frip: Can you keep it off of Twitter? That’s where the real clowns are.

Methods and systems for combining securities and carbon credits; US 8,930,255 B2; 1/6/2015; Class 705/36R; 20 claims; assigned to CFPH, LLC.

At least one security excluded from an investment fund; process involves calculating a carbon footprint for the security, determining a first amount of carbon credit necessary to neutralize the carbon footprint, and purchasing a second amount of carbon credit.

Generation of a financial instrument with a partially neutralized carbon footprint, the instrument and second amount of carbon credit being stored in a trust.

Frip: Alice utters a moan.

Dynamically activating and deactivating one or more elements of a trading tool; US 8,930,258 B2; 1/6/2015; Class 705/37; 20 claims; assigned to Trading Technologies International, Inc.

Trade data and market data; process involves dynamically activating and deactivating elements on the trading screen.

Altered trading screen.

Frip: For TTI, adjust something, get a patent.

Method and apparatus for monitoring and evaluating limit order trading; US 8,930,259 B2; 1/6/2015; Class 705/37; 18 claims; assigned to Goldman, Sachs & Co.

Option limit order; real time feed of option market data that is used in real time to identify at least one of a trade-through and a trade-at transaction relevant to the option limit order.

Alert on the basis of the identification of a trade-through transaction or a trade-at transaction.

Frip: How can you deny a patent for something so down in the weeds?

Method and system for generating a fraud risk score using telephony channel based audio and non-audio data; US 8,930,261 B2; 1/6/2015; Class 705/38; 17 claims; assigned to Verint Americas Inc.

Audio and non-audio channel data; process involves determining a telephony channel risk score from at least one of audio channel data and non-audio channel data of an individual.

Fraud risk score.

Frip: OK, so you got a BS in EE. Big deal.

Credit data analysis; US 8,930,263 B1; 1/6/2015; Class 705/38; 22 claims; assigned to ConsumerInfo.com, Inc.

Credit information relating to a consumer and a number of high scorers; process involves calculating scores for the high scorers.

Transmission of consumer credit information and high scorers’ values.

Frip: Always setting the bar higher than you.

Methods, software programs, and systems for managing one or more liabilities; US 8,930,264 B1; 1/6/2015; Class 705/38; 17 claims; assigned to Goldman, Sachs & Co.

Setting an expected maturity and a legal maturity for a bond, budgeting for debt service, and making payments, all by computer.

Variable rate municipal bond.

Frip: Have Hal make another bond. I’m goin’ to Starbucks.

Monitoring retail transactions associated with a financial institution-based merchant offer program and determining savings metrics; US 8,930,265 B2; 1/6/2015; Class 705/39; 11 claims; assigned to Bank of America Corporation.

Financial institution accounts; process involves monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program.

Determination and analysis of savings metrics, and provision of savings metrics and lost savings metrics to the financial institution customer.

Frip: Savings metrics, what we live for.

Automated transactions clearing system and method; US 8,930,267 B1; 1/6/2015; Class 705/39; 25 claims; assigned to JPMorgan Chase Bank, N.A.

Transaction data; process involves parsing transaction data and verifying the integrity of financial and non-financial transactions that traverse through a plurality of financial systems making up one or more system workflows.

Report on verification of transaction data.

Frip: Clearing system stuff.

System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment; US 8,930,269 B2; 1/6/2015; Class 705/39; 18 claims; assigned to State Farm Mutual Automobile Insurance Company.

Monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy), log data relating to vehicle operator impairment for further analysis, and send the data to a server for analysis.

Scored monitoring results to determine whether to change a property and casualty insurance rate charged to vehicle operator and/or vehicle owner and/or vehicle policy.

Frip: Big Bro.

System and method for a mobile wallet; US 8,930,271 B1; 1/6/2015; Class 705/41; 24 claims; assigned to Wells Fargo Bank, N.A.

On a mobile device, at least one offer from at least one merchant at an offer computer system.

Offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service.

Frip: Another reason to not go mobile.

January 13, 2015


PATENT DATA IN DATA OUTMunicipal bond tracking and evaluation system; US 8,935,181 B2; 1/13/2015; Class 705/36R; 20 claims.

User-selected debt security identifiers and rate data for at least two select debt securities from at least one networked security rate serve; meta data associated with the two select debt securities; process involves matching the debt-related data with the meta data.

Various analytical reports.

Frip: Data in-data out, piece of cake.

January 20, 2015


PATENT DATA IN DATA OUT

Systems and methods of facilitating trading of instruments; US 8,938,397 B2; 1/20/2015; Class 705/37; 36 claims; assigned to ICAP Services North America LLC.

Credit status of a first party with respect to at least one other party on a computerized trading system; system involves a master node, intermediate nodes, and a master trader credit matrix.

Allowance or denial of trades.

Frip: Nodes = patent.

Management of biometric information; US 8,938,398 B2; 1/20/2015; Class 705/44; 16 claims; assigned to Early Warning Services, LLC.

Biometric information; database of biometric information; financial transaction information; process involves fraud-detection analysis.

Alert to the requesting party when the biometric information associated with the specified individual is suspicious. Frip: Aren’t we all suspicious?

January 27, 2015


PATENT DATA IN DATA OUTSystem and method for enabling channel community ratings in an IP marketplace; US 8,942,998 B2; Class 705/26.63; 20 claims; assigned to American Express Travel Related Services Company, Inc.

Data on IP assets; inquiry from a buyer that includes requested IP asset attributes; system establishes an IP trading marketplace.

Determination of a first channel to present to a user.

Frip: Complexity = patentability.

February 3, 2015


PATENT DATA IN DATA OUTManaging an insurance product with an insurance value chain; US 8,949,138 B2; 2/3/2015; Class 705/4; 18 claims; assigned to Quanis Licensing Limited (MU).

Specification of an insurance policy having a set of attributes; Sets of values corresponding to the set of attributes; process includes deriving the sets of values through negotiations with stake holders of an insurance value chain.

Versions of the insurance policy.

Frip: Stretching Alice a bit?

Fraud detection system automatic rule manipulator; US 8,949,150 B2; 2/3/2015; Class 705/39; 20 claims; assigned to Visa International Service Association.

Transaction data; fraud detection rules; process involves automatically converting the transaction data to correspond to the currency contained in the fraud detection rules.

A message based on the evaluation of the converted transaction total in the first currency with the fraud detection rule. Frip: Where do Bitcoins enter the picture?

February 10, 2015


PATENT DATA IN DATA OUTMethod and apparatus for provisioning financial data; US 8,954,352 B1; 2/10/2015; Class 705/35; 20 claims; assigned to AT&T Intellectual Property II, L.P.

Financial data records from a plurality of unrelated financial entities, wherein each of the financial data records comprises tax data of a registered customer of the communications network; a provisioning authorization key from each of the plurality of unrelated financial entities.

Storage of data records.

Frip: Patent on a form of the Cloud?

February 17, 2015


PATENT DATA IN DATA OUTTrade execution methods and systems; US 8,959,031 B2; 2/17/2015; Class 705/37; 20 claims; assigned to Liquidnet Holdings, Inc.

Notification message, sent from an execution venue and received by each of a plurality of smart order routers, wherein the message notifies each of the smart order routers about the presence of a non-displayed priced order at the execution venue; at least one order from a smart order router to the execution venue to execute against the non-displayed priced order.

Executed order.

Frip: So many ways to describe the trading of securities.

Systems and methods for verification of remotely deposited checks; US 8,959,033 B1; 2/17/2015; Class 705/45; 27 claims; assigned to USAA.

Check images from customers, said check images corresponding to at least one payor check; process involves verifying the validity of remotely deposited checks.

Automatic initiation of a deposit of funds associated with the payor check into a customer account. Frip: Checks are so yesterday.

February 24, 2015


PATENT DATA IN DATA OUTRequesting reimbursement for transactions; US 8,965,798 B1; 2/24/2015; Class 705/30; 20 claims; assigned to The PNC Financial Services Group, Inc.

Transaction list for a customer, the transactions being on the customer's account at the financial institution; reimbursement request and details from the customer.

Reimbursement request to the appropriate recipient.

Frip: Online banking gettin' outta control.

Systems, methods, and computer readable media for conducting an electronic transaction via a backend server system; US 8,965,800 B2; 2/24/2015; Class 705/30; 35 claims; assigned to MasterCard International Incorporated.

Backend server system address and an identification code; process includes interfacing a mobile device with a touch point, and other stuff.

Determination as to whether one or more electronic certificates associated with the mobile device identifier are applicable for use in the electronic transaction. Frip: Flow chart patent?

Swap index; US 8,965,804 B2; 2/24/2015; Class 705/37; 18 claims.

Real-time market data; results of synthetic purchasing and selling of synthetic interest rate swaps utilizing the market data.

Index values, one subset reflecting the plain-vanilla swap, another reflecting a spread between two specific terms of years, and a third reflecting two spreads, sometimes referred to as a butterfly.

Frip: Can't understand it? Give it a patent.

Coupon bearing sponsor account transaction authorization; US 8,965,810 B2; 2/24/2015; Class 705/64; 20 claims; assigned to Visa U.S.A. Inc.

Coupon from a consumer to a merchant to obtain a discount; process involves several verification procedures.

Processed transaction.

Frip: Another one of those flow chart patents?

March 3, 2015


PATENT DATA IN DATA OUTSystem and method for enabling custom portfolio definition in an IP marketplace; US 8,972,271 B2; 3/3/2015; Class 705/2; 20 claims; assigned to American Express Travel Related Services Company, Inc.

Data on IP assets; process involves providing an automated platform to enable intellectual property transactions.

Characterization, rating, and valuation of IP assets.

Frip: And how did AMEX get into this business?

Transaction authorization system for a mobile commerce device; US 8,972,286 B2; 3/3/2015; Class 705/26.1; 31 claims; assigned to Bank of America Corporation.

Single input into a mobile device. Transmission of payment information from a mobile device to a point-of-sale terminal. Frip: One click debt creation.

Financial transaction annotations; US 8,972,292 B2; 3/3/2015; Class 705/30; 22 claims; assigned to Bank of America Corporation.

An indication of a transaction involving a first bank account stored in a memory device; process involves sending a request for ancillary information about the transaction to a party associated with the first bank account, receiving ancillary information, and associating, in the memory device, the received ancillary information with the transaction.

An annotation regarding the transaction.

Frip: Annotate your growing debt with a smiley face.

Surcharge auditing; US 8,972,293 B2; 3/3/2015; Class 705/30; 22 claims; assigned to Bank of America Corporation.

A transaction record; process involves transaction-level auditing.

Determination of compliance with surcharge rules in connection with a transaction between two or more transaction participants.

Frip: An attempt to convert a software patent into a machine patent?

Dynamic visual statistical data display and method for limited display device; US 8,972,295 B2; 3/3/2015; Class 705/36R; 25 claims; assigned to Visible Market, Inc.

Data such as trading activity of securities or other business statistics.

Display of large data sets and associated statistics on devices with limited-size display screens, for example a smartphone or tablet.

Frip: Here’s a thought. If you’re engaged in securities trading using a mobile device, perhaps you need to reconsider. (Obvious that an old guy wrote this.)

System and method for conducting a transaction at a financial transaction terminal using a mobile device; US 8,972,297 B2; 3/3/2015; Class 705/43; 21 claims; assigned to Citibank, N.A.

Request from a user, from a mobile device, to conduct a transaction using a financial transaction terminal; process involves determining, by the mobile device, a location of the user, transmitting the location of the user and the requested transaction, and establishing a communication session with the nearest financial transaction terminal.

Communications established with a financial transaction terminal.

Frip: And Citi’s has added to the metadata it already has on you.

March 10, 2015


PATENT DATA IN DATA OUTBilling account reject solution; US 8,977,564 B2; 3/10/2015; Class 705/34; 13 claims; assigned to Bank of America Corporation.

Employee identification number input into a graphical user interface; billing account number.

Determination if the billing account number includes a number of consecutive identical digits equal to or greater than a threshold of consecutive identical digits.

Frip: Trying to stay one step ahead of the bad guys.

Interprogram communication using messages related to groups of orders; US 8,977,565 B2; 3/10/2015; Class 705/35; 28 claims; assigned to CFPH, LLC.

Indication of a first order and a second order from a remote system; a third order; dark pool of liquidity.

Execution of trades. Frip: Making it complex enough to confuse the Examiner will almost guarantee you a patent.

Virtual world reversion rights; US 8,977,566 B2; 3/10/2015; Class 705/35; 24 claims; assigned to The Invention Science Fund I, LLC.

Identification of a particular virtual object or virtual right to transfer in a virtual world from a donor party to a recipient party; disqualification factor.

Transfer of the particular virtual object or virtual right, which transfer is triggered by a disqualification factor involving the donor party.

Frip: What is all this virtual gobble-de-gook, anyway?

Recordation of electronic payment transaction information; US 8,977,567 B2; 3/10/2015; Class 705/39; 22 claims; assigned to Visa International Service Association.

Transaction-related data that is appended to a transaction record or transaction identifier, the data and record or identifier being stored in a mobile payment device and/or provided to an Issuer, who may use the data to supplement an account statement.

Determination by the account holder if a transaction is valid by providing information that helps the account holder recall the location or other aspect of the transaction.

Frip: But what if the account holder can’t recall the recall?

System and method including chip-based device processing for transaction; US 8,977,570 B2; 3/10/2015; Class 705/44; 20 claims; assigned to Visa International Service Association.

Payment device data in a first format (e.g., chip type); authorization request message in a second format (e.g., legacy type).

Generation of a new authorization request in the first format that is forwarded to the issuer for approval.

Frip: When is the U.S. finally gonna adopt the more secure chip technology?

Systems and methods for image monitoring of check during mobile deposit; US 8,977,571 B1; 3/10/2015; Class 705/45; 20 claims; assigned to USAA.

Image of a check that is in the field of view of a camera associated with a mobile device; monitoring criteria; process involves capturing the image when the monitoring criteria are met.

Deposit of the check in the user’s bank account based on the image.

Frip: Congress will soon be passing a law requiring everyone to have a mobile device containing a camera.

March 17, 2015


PATENT DATA IN DATA OUTSystems and methods for evaluating adherence to a project control process; US 8,983,855 B1; 3/17/2015; Class 705/2; 18 claims; assigned to McKesson Financial Holdings (BM).

Project to be audited, the project maybe being a data delivery project implemented to deliver confidential healthcare information; process may include evaluation of adherence of the project to a project control process.

Results of the audit and a process adoption score.

Frip: Patent on a paperwork processing activity?

Automated encoding of delta operators; US 8,983,866 B2; 3/17/2015; Class 705/37; 23 claims; assigned to IBM.

First input value associated with a first data field; if first data field is associated with a delta operation, selecting a second input value associated with a corresponding second data field of a previously transmitted message; process relates to data communications, and, in some cases, to high-speed data transmission of financial information.

A message of some sort involving compressed data. Frip: No problem.

Multi-dimensional credibility scoring; US 8,983,867 B2; 3/17/2015; Class 705/38; 20 claims; assigned to Credibility Corp.

Credibility data pertaining to different dimensional aspects of overall credibility, the dimensions relating to stability, transparency, trustworthiness, and sentiment.

Multi-dimensional entity credibility score.

Frip: Ya’ got about as much credibility as a post. A termite-riddled post.

Using location information in electronic commerce; US 8,983,868 B1; 3/17/2015; Class 705/44; 26 claims; assigned to Google, Inc.

Request to purchase an item using an account of a user; process involves determining the location of the user.

Processed purchase request based on the determined likelihood of the user being at the determined location.

Frip: Big Bro knows more about you than you do.

March 24, 2015


PATENT DATA IN DATA OUTLaser identification devices and methods; US 8,990,118 B1; 3/24/2015; Class 705/56; 6 claims; assigned to USAA.

Data for an application including transactional data associated with a user, the data being accessed from a computerized database; process involves systems and methods to select objects from an electronic display, and lasers.

Provision to a retailer of user-associated data from an electromagnetic signal.

Frip: And you can use your laser to blow drones out of the sky.

Leveraging procurement across companies and company groups; US 8,990,120 B2; 3/24/2015; Class 705/64; 20 claims; assigned to IBM.

User profile for each person authorized by a customer company to access procurement services; process involves associating each company with a company group of related companies; the user profile specifying for each user a user company and company group, and more.

Control of user access to procurement resources, and stuff. Frip: If this ain’t a software patent, then what is?

Establishment of a secure session between a card reader and a mobile device; US 8,990,121 B1; 3/24/2015; Class 705/71; 3 claims; assigned to Square, Inc.

Initiation of a session between a POS software module and a mobile card reader coupled to the mobile device; process includes determining that a digital signature has been validated by the mobile card reader.

Encrypted communication with the mobile card reader by using a generated secure session key.

Frip: Yeah! secret stuff.

Assessing quality of user reviews; US 8,990,124 B2; 3/24/2015; Class 705/347; 15 claims; assigned to Microsoft Technology Licensing, LLC.

Review received at a computer device through a network; metadata associated with the author, the metadata including the reviewer’s past history of reviews.

Score for the reviewer.

Frip: Microsoft getting tired of negative reviews of its products. Solution? Big Bro stuff.

March 31, 2015


PATENT DATA IN DATA OUTPerformance dashboard monitoring for the knowledge management system; US 8,996,397 B2; 3/31/2015; Class 705/7.39; 26 claims; assigned to Bank of America Corporation.

Information related to two or more incidents, where each incident is associated with one or more of a business channel, sub-channel, or application; process provides a method, system, computer program product, or a combination of the foregoing for creating a knowledge management system including a performance dashboard monitoring system that is standardized and centralized across the channels and sub-channels in an organization.

Display on a user interface of the information related to the incident on a channel, sub-channel, application, or individual incident level.

Frip: Data, data, data.

Method and apparatus for performing a financial transaction; US 8,996,407 B2; 3/31/2015; Class 705/14.73; 21 claims; assigned to Intuit Inc.

Parameters for a financial transaction; process involves analyzing the parameters to determine financial benefits of using one or more subsets of financial sources from a set of financial sources.

Selection and use of a subset of financial sources that substantially maximizes the financial benefits for the user.

Frip: “Parameters” is always an impressive word to include in a patent application.

Processing purchase transactions; US 8,996,408 B1; 3/31/2015; Class 705/26.1; 28 claims; assigned to Google Inc.

Description of one or more items identified by a buyer for purchase, each item being represented as an object in a hierarchical data structure; process involves executing a processing on the hierarchical data structure to generate purchasing information.

Display information describing a display of the generated purchasing information. Frip: Patent on a description of a display?

Method and system for automatically obtaining and categorizing cash transaction data using a mobile computing system; US 8,996,417 B1; 3/31/2015; Class 705/30; 18 claims; assigned to Intuit Inc.

Geo-location data indicating the position of a mobile computing system; cash transaction triggers that indicate a possible cash transaction; process involves detecting a cash transaction trigger, recording the geo-location of the user mobile computing system, identifying a business associated with the geo-location, and generating a potential cash transaction entry.

Potential cash transaction entry.

Frip: Big Bro knows where you at.

April 7, 2015


PATENT DATA IN DATA OUTDevice and method for building claim assessment; US 9,002,719 B2; 4/7/2015; Class 705/4; 18 claims; assigned to State Farm Mutual Automobile Insurance Company.

One or more images of a claimed object, such as a building or vehicle; process involves comparing the images to reference images and generating an estimate of financial damages to the object.

A claim assessment based on previous comparisons and generated estimates.

Frip: Meet your new insurance agent, Hal the Computer.

Systems and methods for determining a quantitative retail sentiment index from client behavior; US 9,002,740 B2; 4/7/2015; Class 705/36R; 20 claims; assigned to TD Ameritrade IP Company, Inc.

Historical price values for a plurality of securities; process includes calculating a volatility score for each of the plurality of securities and calculating a reference volatility score for a benchmark.

A sentiment index. Frip: Why not call it a sentimental index? Makes it sound more romantic.

April 14, 2015


PATENT DATA IN DATA OUTFacilitating corporate tenders/dutch auction tenders and computer-implemented methods and computer systems thereof; US 9,009,062 B2; 4/14/2015; Class 705/12; 14 claims; assigned to Broadridge Financial Solutions, Inc.

Electronic Tender voting request to conduct a Tender voting that is limited to a plurality of qualified employees; process involves selecting from the group of Tender voting types consisting of: i) a Tender offer, ii) an All-or-None Tender offer, and iii) a Dutch Tender auction.

Code to identify the plurality of employees; code to generate a plurality of programmed visual computer screens to allow the plurality of employees to submit Tender votes; and code to dynamically output a report identifying a progress of the Tender voting.

Frip: Well, how ‘bout that, eh?

Mobile expense capture and reporting; US 9,009,070 B2; 4/14/2015; Class 705/24; 20 claims; assigned to Microsoft Technology Licensing, LLC.

User-entered expense related information; process enables users to accept/reject/edit prompted values for various entries.

Transmission of the expense information wirelessly to an expense management service through a defined interface to automatically fill fields of the expense management service such that the expense management service is configured to perform one or more accounting services. Frip: Put a lot of words together, get a patent.

System and method for providing a live register receipt; US 9,009,071 B1; 4/14/2015; Class 705/24; 20 claims; assigned to USAA.

Live register receipt application; process includes receiving and forwarding unique vendor register identification information and forwarding that information to the live register receipt provider.

Synchronous display at a customer mobile device of a vendor point of sale register receipt in the process of being created.

Frip: After Alice, a successful process patent must have beaucoup verbiage.

April 21, 2015


PATENT DATA IN DATA OUTControlled creation of reports from table views; US 9,015,073 B2; 4/21/2015; Class 705/36R; 19 claims; assigned to Addepar, Inc.

Graph having nodes and edges, the nodes representing financial assets and any one or more of: accounts in which one or more of the assets are held, individuals who own one or more of the assets, or legal entities who own one or more of the assets; one or more bucketing factors and one or more column factors; process involves the computer traversing the graph and creating a list of a plurality of paths of nodes and edges in the graph, applying the bucketing factors to the paths to result in associating each set among a plurality of sets of the nodes with a different value node among a plurality of value nodes, and applying the column factors to the paths and the value nodes to result in associating column result values with the value nodes.

Display of a table view by forming rows based on the value nodes and forming columns based on the column result values.

Frip: Very useful, I’m sure.

Device and method for facilitating financial transactions; US 9,015,074 B2; 4/21/2015; Class 705/44; 17 claims; assigned to Mazooma Technical Services, Inc.

A dollar amount to be associated to a stored-value financial instrument being issued to a user; process involves give and take with a debit agent residing on a network processing and communication device.

Transfer of funds from a selected non-integrated financial institution to the stored-value financial instrument. Frip: Flow chart patent?

Audit trails for electronic financial transactions; US 9,015,078 B2; 4/21/2015; Class 705/75; 16 claims; assigned to Lenovo (Singapore) Pte. Ltd. (SG).

Transmission of a currency amount in an attempt to confirm a financial transaction; receipt of a confirmation indicator for the financial transaction; storage of at least the currency amount in non-volatile memory; hashing at least the currency amount to generate a hash and storing the hash in a secure non-volatile memory; hashing at least the currency amount stored in the non-volatile memory to generate a verification hash.

Comparison of the verification hash to the hash stored in the secure non-volatile memory.

Frip: Hash and hashing?

April 28, 2015


PATENT DATA IN DATA OUTMethod and system for implementing effective governance of transactions between trading partners; US 9,020,850 B1; 4/28/2015; Class 705/35; 32 claims; assigned to JPMorgan Chase Bank, N.A.

A first independent log from a first trading partner wherein the first independent log comprises at least one request log entry associated with a transaction wherein the request log entry comprises at least a request identifier; a second independent log from a second trading partner wherein the second independent log comprises at least one reply log entry associated with the transaction between the first trading partner and the second trading partner, wherein the reply log entry comprises at least a reply identifier; process involves matching the at least one request log entry and the at least one reply log entry based on one or more of the request identifier and the reply identifier at a third party interface.

Identification of non-matching log entries at the third party interface, and forwarding of the non-matching log entries.

Frip: Alice has taken all the fun out of searching for bogus patents.

Apparatus and method of a distributed capital system; US 9,020,851 B2; 4/28/2015; Class 705/37; 16 claims.

User request to execute at least one financial transaction with at least one of a number of parties, each of the parties corresponding to a data processing system on the network; real-time financial information relating to the financial transaction.

Confirmation that the financial transaction with the at least one party can take place prior to execution of the financial transaction. Frip: Exchange a little info, get a patent.

May 5, 2015


PATENT DATA IN DATA OUTReadable indicia for healthcare payment codes; US 9,026,453 B2; 5/5/2015; Class 705/2; 23 claims; assigned to Bank of America Corporation.

Indication of a user transaction; process includes generation of a readable indicia based on an analysis of the products of the transaction, and presentation of payment information or options.

Instructions from user to transmit payment.

Frip: BofA gettin’ down in the dirt of payment stuff.

System, method, and computer program product for increasing inventory turnover using targeted consumer offers; US 9,026,457 B2; 5/5/2015; Class 705/10; 20 claims; assigned to American Express Travel Related Services Company, Inc.

Consumer, merchant, and transactional data from a closed loop network and external sources; process involves extensive data mining to determine the excess merchant inventory and demand patterns at different times and different locations for merchants and groups of merchants, and to determine consumer demand patterns.

Targeted consumer offers.

Frip: Us poor consumers don’t stand a chance.

Automatic activation of mobile payment mechanisms based on identified mobile payment types accepted by a merchant; US 9,026,460 B2; 5/5/2015; Class 705/17; 15 claims; assigned to Bank of America Corporation.

Automated determination of the geographical location at which a mobile device is currently located.

Automatic activation of mobile payment mechanisms on the mobile communication device based on the automated determination of the mobile payment type(s) accepted by the merchant at which the mobile communication device user is currently located. Frip: No need to worry about oldsters forgetting where they are and what they’re about.

Enhanced mobile application for assisting users at a point of transaction. US 9,026,461 B2; 5/5/2015; Class 705/18; 18 claims; assigned to Bank of America Corporation.

Indication that user has activated a point-of-transaction application; process includes providing communication between point-of-transaction system and user device.

Selection of payment device for transaction based on user payment authentication.

Frip: BofA sees the future in this mobile payment stuff.

Financial audit scoping workbench; US 9,026,466 B2; 5/5/2015; Class 705/30; 29 claims; assigned to Oracle International Corporation.

Financial data extracted from a financial manager; process involves mapping the financial data to compliance data from a compliance manager, selecting one or more mapped perspectives based on a selection criteria, and more.

Assessment plan for selected one or more controls within the audit scope.

Frip: Oracle has a way with words, and uses a heck of a lot of them.

Systems and methods for monitoring and detecting fraudulent uses of business applications; US 9,026,467 B2; 5/5/2015; Class 705/35; 38 claims; assigned to FIS Financial Compliance Solutions, LLC.

Raw log data; process involves archiving the data in a manner that facilitates efficient access and processing of the data, allows for investigation of potentially fraudulent usage scenarios, and uses the results of the investigation to identify patterns of data that correspond to high risk usage scenarios and/or process steps.

Detection of high risk usage scenarios and issuance of appropriate alerts and reports.

Frip: Chasing the bad guys in the Information Age.

Calculation of a price of a security based on volatility detection; US 9,026,470 B2; 5/5/2015; Class 705/37; 27 claims; assigned to The NASDAQ OMX Group, Inc.

Trade request; process includes determining volatility in prices of quotations for a security before the security is released for trading, comparing the determined volatility to a volatility threshold, and calculating an adjusted price of the quotations based on the output of the determined volatility in the prices.

Releasing the security for trading, with the security having the adjusted price that is based on the outcome of comparing.

Frip: Well, why not?

May 12, 2015


PATENT DATA IN DATA OUTRebate automation; US 9,031,859 B2; 5/12/2015; Class 705/14.1; 25 claims; assigned to Visa U.S.A. Inc.

Information that a request has been made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder; process involves determining whether a rebate is authorized.

If rebate authorized, it is given and debited against the account of the sponsor financially responsible for the rebate.

Frip: And how is this not merely data in-data out?

Systems and methods to aggregate demand; US 9,031,860 B2; 5/12/2015; Class 705/14.1; 20 claims; assigned to Visa U.S.A. Inc.

Data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; process involves processing a plurality of transactions and determining whether predefined purchase requirements are satisfied.

Provision of pre-defined benefit. Frip: Is this creating or destroying jobs?

Systems and methods for use of transaction data for customers; US 9,031,866 B1; 5/12/2015; Class 705/26.1; 25 claims; assigned to JPMorgan Chase Bank, N.A.

Transaction data regarding a plurality of transactions effected at a plurality of merchants; request for information from a customer, the request including parameters such as activities of similarly situated customers and the identification of optimum merchants.

Response to the customer.

Frip: Sorta like a Google of shopping?

Methods and apparatus for analysing and/or pre-processing financial accounting data; US 9,031,873 B2; 5/12/2015; Class 705/35; 26 claims; assigned to Future Route Limited (GB).

Uploaded financial accounting data; process involves identifying anomalies, abstracting data to correspond to a pre-stored accounting ontology, and checking the data for violation of a particular state to identify inconsistent combinations of values in the data.

Display of anomalies.

Frip: Using words like “ontology” will get you a patent 9 times outta 10.

Method and apparatus for validating an appraisal report and providing an appraisal score; US 9,031,881 B2; 5/12/2015; Class 705/313; 15 claims; assigned to Corelogics Solutions, LLC.

Appraisal data for a property; property data for the property.

Appraisal score and validation of appraisal report.

Frip: My property is appraised for peanuts.

May 19, 2015


PATENT DATA IN DATA OUTSystem and method for intelligent customer data analytics; US 9,037,481 B2; 5/19/2015; Class 705/4; 24 claims; assigned to Hartford Fire Insurance Company.

Insurance business process having a series of business process actions; point of service customer interaction data associated with the insurance business process; external third-party information associated with a context of the insurance business process.

Trend that may be analytically mapped to a first business process action in the insurance business process, and recommended changes to the first business process action.

Frip: Head hurt.Online shopping experience modification; US 9,037,495 B2; 5/19/2015; Class 705/26.1; 21 claims; assigned to Bank of America Corporation.

Merchant data and financial institution data associated with the user; process may involve a merchant opt-in to modify a user’s online shopping experience.

Specific shopping offers geared to the user. Frip: BofA’s never ending quest to know more about you than you do.

System and method for a mobile wallet; US 9,037,509 B1; 5/19/2015; Class 705/41; 20 claims; assigned to Wells Fargo Bank, N.A.

Shopping image captured by a mobile computing device; process involves determining a geographic location and a direction of the mobile computing device while capturing the image.

Display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device, and generation of the at least one offer based on the past transactions of the user.

Frip: Does your smart phone do all your thinking for you?

May 26, 2015


PATENT DATA IN DATA OUTDefining marketing strategies through derived e-commerce patterns; US 9,043,220 B2; 5/26/2015; Class 705/35; 22 claims; assigned to IBM.

Information related to customer interactions associated with a plurality of customers; process involves analyzing the information to identify patterns, selecting patterns to define a marketing strategy for a marketer, and defining a marketing strategy based on the selected patterns.

Marketing Strategy.

Frip: Sounds so simple. But this is Big Blue.

Systems, apparatus and methods for mobile companion prepaid card; US 9,043,240 B2; 5/26/2015; Class 705/41; 27 claims; assigned to MasterCard International Incorporated.

Approval request from an agent device for a mobile companion prepaid card for a consumer, the request coming from a wallet provider computer; process includes determining an issuer financial institution, receiving and validating cardholder verification data, and other stuff.

Activation of the mobile companion prepaid card, and transmission of a confirmation message to the consumer’s mobile device. Frip: Hackers are smacking their lips.

June 2, 2015

Total G06Q Subclass patents issued: 80Data In-Data Out patents: at the very least, 9

PATENT DATA IN DATA OUTReadable indicia for medical office payment; US 9,047,595 B2; 6/2/2015; CPC G06Q 20/20; 20 claims; assigned to Bank of America Corporation.

Indication of a user transaction; process involves generating and initiating presentation of readable indicia, including payment information, at a point of sale transaction for a medical treatment, and receiving the user’s concurrence or alteration of the indicia.

Payment.

Frip: This is Dr. BofA.

Systems and methods for financial transaction through card reader in communication with third party financial institution with encrypted information; US 9,047,598 B1; 6/2/2015; CPC G06Q 20/322; 20 claims; assigned to Square, Inc.

Information, obtained through a card reader, on a financial transaction; process involves communication with a third party financial institution or payment network to authorize the transaction.

Encrypted information to a third party payment system authorizing the financial transaction. Frip: Hacker says, “easy pickings.”

Method and apparatus for wirelessly processing a financial transaction using a wireless payment card reader; US 9,047,599 B1; 6/2/2015; CPC G06Q 20/322; 15 claims; assigned to Marvell International LTD.

Information from a payment card; process involves a verification module, a security module, a transmitter, a mobile device, a receiver, and an indicator, all working seamlessly.

Indication that the reader has correctly read the information and the payment system has approved the data and the identifying information.

Frip: Hackerville!Method and apparatus for settling payments using mobile devices; US 9,047,601 B2; 6/2/2015; CPC G06Q 20/3227; 16 claims; assigned to RFCyber Corporation.

Electronic invoice loaded in a mobile device that is embedded with a secure element; process involves a NFC (near field communication) device.

Payment authorization.

Frip: Which hackers can get here first, Asian or Eastern European?

Systems and methods for facilitating the approval and use of a credit account via mobile commerce; US 9,047,617 B2; 6/2/2015; CPC G06Q 30/0222; 20 claims; assigned to First Data Corporation.

Application for a credit account from a consumer mobile device; data inputs.

Notification of approval and transmission of the credit account number to a merchant point-of-sale device to facilitate a purchase at a merchant location.

Frip: Are hackers paying off the PTO?

Dynamic determination of appropriate payment account; US 9,047,636 B2; 6/2/2015; CPC G06Q 40/00; 51 claims; assigned to Bank of America Corporation.

Transaction data from a customer purchase, the data being received by a financial institution; data associated with two or more payment accounts available to the customer at the financial institution.

Implementation by the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.

Frip: Hey BofA, buy me some stuff.

Method and system for converting printed checks into pre-paid debit card funds; US 9,047,637 B1; 6/2/2015; CPC G06Q 40/00; 20 claims; assigned to Intuit, Inc.

A pre-paid debit or credit card account, and an associated pre-paid debit or credit card, of a consumer; a paper check; process enables a consumer to scan the check at a check conversion station.

Approval of the transfer of at least part of the funds indicated by the check data to the balance of the pre-paid debit or credit card.

Frip: What’s a check?

Service participation acknowledgement system; US 9,047,639 B1; 6/2/2015; CPC G06Q 40/02; 35 claims; assigned to Bank of America Corporation.

Transaction information; process involves determining that the related account will meet a pre-defined condition as a result of the transaction, presenting the user information associated with a service to address the condition, receiving the user’s consent, and presenting the user with a confirmation message.

Confirmation message.

Frip: How computer-literate need the user be to successfully participate in this interaction?

Exceeded account threshold service involving exceeded account threshold magnetic stripe; US 9,047,640 B2; 6/2/2015; CPC G06Q 40/02; 34 claims; assigned to Bank of America Corporation.

Transaction information; process involves determining that the account will incur an account exceeding available funds or credit, allowing the user to select continuing with the transaction anyway, and authorizing the transaction.

Authorized transaction.

Frip: Patent Abstract was not written in English.

June 9, 2015


PATENT DATA IN DATA OUTAutomated straight-through processing in an electronic discovery system; US 9,053,454 B2; 6/9/2015; CPC G06Q 10/10; 18 claims; assigned to Bank of America Corporation.

Electronic data; system involves electronic discovery processes, such as, but not limited to, data collection, barcoding, source-to-processing, quality control, third-party network data transfer, and data analysis platform loading, all to be automatically initiated and performed in pipeline fashion.

Organized data.

Frip: Document reviewers, welcome to the ranks of the unemployed. BofA, thanks a lot.

Generating readable indicia customized for product information; US 9,053,490 B2; 6/9/2015; CPC G06Q 30/02; 21 claims; assigned to Bank of America Corporation.

Product selection information, and actions performed by the user based on the user’s website history; shipping information; discount information.

Readable indicia configured to provide instructions for purchasing and shipping the product. Frip: The ol’ “readable indicia” patent, eh?

System and method for converting automated clearing house data; US 9,053,512 B1; 6/9/2015; CPC G06Q 40/00; 19 claims; assigned to Bank of America Corporation.

Automated clearing house data; process involves determining ACH data conversion rules and converting the ACH data.

Converted ACH data.

Frip: Gimme a break.

June 16, 2015


PATENT DATA IN DATA OUTSystems and methods for managing information associated with legal, compliance and regulatory risk; US 9,058,581 B2; 6/19/2015; CPC G06Q 10/0635; 20 claims; assigned to Goldman, Sachs & Co.

Information possibly associated with risk; process partly involves determining risk-relevant information that is not redundant to information already in a risk database.

Addition of non-redundant information to the risk database.

Frip: Goldman, taking it easy.

Systems and methods for distribution of cash; US 9,058,598 B1; 6/19/2015; CPC G06Q 20/10; 20 claims; assigned to JPMorgan Chase Bank, N.A.

Data related to cash usage at branch banks; process involves forecasting cash needs.

Cash transfer requests. Frip: Does this mean other banks will no longer be able to forecast cash needs without JP’s permission?

Circular rotational interface for display of consumer credit information; US 9,058,627 B1; 6/19/2015; CPC G06Q 40/025; 20 claims; assigned to ConsumerInfo.com, Inc.

Consumer credit information. Circular visual interface of a consumer’s credit information.

Frip: And where are you in the circle?

June 23, 2015


PATENT DATA IN DATA OUTRemote capture of multiple deposit items using a grid; US 9,064,248 B2; 6/23/2015; CPC G06Q 20/042; 18 claims; assigned to Bank of America Corporation.

Image showing multiple deposit items, the image being captured by a remote capture device.

Transmission of the deposit item information to a server located remotely from the processor.

Frip: Take a picture, email it, get a patent.

Proxy card payment with digital receipt delivery; US 9,064,249 B1; 6/23/2015; CPC G06Q 20/0453; 25 claims; assigned to Square, Inc.

Indication of a payment transaction between a payer and a payee, the payment transaction involving use of a payment object associated with the payer; process is interactive and allows the consumer to carry a single card rather than multiple cards.

Interactive digital receipt. Frip: Well, I guess.

System and method for billing an account; US 9,064,250 B1; 6/23/2015; CPC G06Q 20/0453; 25 claims; assigned to USAA.

Accounts; process relates to sending separate bills to a secondary account holder designated by a primary account holder.

Bills.

Frip: Mom, Dad, pay my bills.

Products and processes for utilizing order data and related data; US 9,064,256 B2; 6/23/2015; CPC G06Q 20/405; 12 claims; assigned to CFPH, LLC.

An encrypted query, in which the query indicates at least one security, and at least one price; process involves determining whether the encrypted query corresponds to any order in an encrypted data set that represents orders.

Response, and after receiving any resulting order data, encrypted order data to yield the encrypted data that represents orders.

Frip: Encryption. Cool.

System and method for management and delivery of content and rules; US 9,064,273 B2; 6/23/2015; CPC G06Q 30/0271; 3 claims; assigned to JPMorgan Chase Bank, N.A.

A plurality of data and a plurality of content, the content being associated with the data based on a plurality of rules; process involves packaging and integrating the data, content, and rules.

Distribution of the integrated data and content through one or more presentation channels.

Frip: JP is beginning to sound geeky.

System and method of providing a financial investment recommendation using a portfolio planner; US 9,064,284 B1; 6/23/2015; CPC G06Q 40/04; 21 claims; assigned to USAA.

Financial asset information from a customer.

Recommendation with product-level detail on specific financial products to invest in, along with an action plan.

Frip: Chinese hacking stocks, that’s where you should put your money.

June 30, 2015


PATENT DATA IN DATA OUTMethod of matching hedge funds and investors and apparatus therefor; US 9,070,165 B2; 6/30/2015; CPC G06Q 40/06; 20 claims.

Information regarding investors; information relating to hedge funds; all the stuff being in databases.

Direct interaction and information flow between hedge funds and investors.

Frip: Didn’t Dodge-Frank outlaw hedge funds?

Systems and methods for adjusting insurance processes using data from telematics-enabled portable devices; US 9,070,168 B2; 6/30/2015; CPC G06Q 40/08; 19 claims; assigned to Hartford Fire Insurance Company.

Telematics data; process involves a communication link between a smartphone and a vehicle computer, the smartphone holder being configured to keep the smartphone in a stable, known position and orientation with respect to the vehicle, such that data from an accelerometer in the smartphone can be calibrated.

Transmission of smartphone accelerometer data and telematics data. Frip: Your insurance company monitoring your driving.

July 7, 2015


PATENT DATA IN DATA OUTConsistent interface for financial instrument impairment expected cash flow analytical result; US 9,076,112 B2; 7/7/2015; CPC G06Q 10/06; 12 claims; assigned to SAP SE (DE).

Data on business transactions. Interfaces that are suitable for use across industries, across businesses, and across different departments within a business.

Frip: SAP, making the difficult sound more difficult.

Apparatus, method and computer-readable media for pre-processing information associated with a negotiable instrument to identify options for processing the negotiable instrument; US 9,076,135 B2; 7/7/2015; CPC G06Q 20/10; 22 claims; assigned to Bank of America Corporation.

Image of a portion of a negotiable instrument, the portion including a quick response code and a convenience area; process includes determining information associated with the negotiable instrument based on data from the quick response code, and other stuff.

Based on the determined amount of the negotiable instrument, provision of processing options for the user. Frip: In other words, trusting a computer to do what’s right.

Automated financial data aggregation; US 9,076,182 B2; 7/7/2015; CPC G06Q 40/00; 24 claims; assigned to Yodlee, Inc.

User request for financial information, assistance, or something.

In response to determining that a site-specific script for extracting financial data from a particular financial institution website is not available, generation of a site map of web pages and web page segments in the financial institution website.

Frip: How many passwords do you need for this?

Multi-laterally traded contract settlement mode modification; US 9,076,183 B2; 7/7/2015; CPC G06Q 40/04; 18 claims; assigned to Chicago Mercantile Exchange Inc.

Stored data defining a multilaterally-traded contract type and specifying final settlement of contracts conforming to the contract type by delivery of a defined quantity of a commodity; additional data indicating potential invocation of an alternate cash settlement mode for a plurality of contracts; further data indicating that the alternate cash settlement mode is invoked for a group of contracts.

Transmission of data to indicate cash final settlement of each contract of the group by payment of a cash settlement value instead of by delivery of the defined quantity of the commodity.

Frip: Say what?

July 14, 2015



Virtualization and secure processing of data; US 9,082,119 B2; 7/14/2015; CPC G06Q 20/3823; 8 claims; assigned to Royal Bank of Canada (CA).

Selection by a user of a mobile communication device; the process providing systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data.

The creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes.

Frip: Hardware, software, processes, systems, exactly what is being patented?

Apparatus and method for management of electronic notices; US 9,082,150 B2; 7/14/2015; CPC G06Q 40/02; 21 claims; assigned to Bank of America Corporation.

Information associated with services based at least in part upon user preferences.

Various interactive displays. Frip: Tough to tell whether the “apparatus” being patented is generic or unique.

Financial-service structured content manager; US 9,082,151 B2; 7/14/2015; CPC G06Q 40/025; 20 claims; assigned to NCINO, Inc.

Loan request; process involves set of chronicles, massaging them, and producing something.

Results of a determination.

Frip: Head hurt for the week.

Numerical modelling apparatus and method for pricing, trading and risk assessment; US 9,082,152 B2; 7/14/2015; CPC G06Q 40/08; 7 claims.

Information relating to a set of assets; process involves providing a set of Risk Relation Matrices and playing with them.

Numeric model that outputs the components of risk vectors as a risk vector data set.

Frip: Math major.July 21, 2015



Accruing and/or providing digital currency for media consumption; US 9,087,326 B2; 7/21/2015; CPC G06Q 20/06; 29 claims; assigned to WildTangent, Inc.

Request sent to a digital currency server by a digital currency server watchdog module; process involves querying a user account associated with a user, by the digital currency server, to determine if a condition regarding the user account is satisfied.

Automatically crediting the user account with one or more digital tokens, by the digital currency server, if the condition is satisfied, wherein the one or more digital tokens comprise a digital record or representation of credit redeemable for licensing of digital media content.

Frip: Any idea what this means?

Multidimensional personal behavioral tomography; US 9,087,335 B2; 7/21/2015; CPC G06Q 30/02; 15 claims; assigned to American Express Travel Related Services Company, Inc.

Information regarding each of a number of consumers, including demographic information, data regarding spending habits, and information as to how such attributes may have changed over time; process involves correlating the attributes to produce composite dimensions.

Plot of consumers in a multi-dimensional space, and identification of common and unique attributes. Frip: Sounds like all that pre-Alice stuff sounded like. Guess the PTO let it slip through for old time’s sake.

Ordering checks using a mobile device; US 9,087,354 B1; 7/21/2015; CPC G06Q 30/0601; 22 claims; assigned to Intuit Inc.

An image of a check, obtained using a mobile device; process involves analyzing, using a computer processor of the mobile device and based on a pre-determined check template, the image to generate account information of the check, including a checking account number, a name of the account holder, and an address of the account holder.

Submitting to an identified check ordering service, using the mobile device, an order of the set of paper checks for the account holder based on the account information of the account holder.

Frip: Why would a mobile device owner even need paper checks?

Method and system for displaying a cursor on a trading screen; US 9,087,360 B2; 7/21/2015; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International, Inc.

Changes in market conditions. Automatic rearrangement of market information on a screen.

Frip: TTI! Haven’t seen you in a month of Sundays. Guess Alice put a crimp in your patenting style.

July 28, 2015


PATENT DATA IN DATA OUTSelecting a preferred payment instrument; US 9,092,767 B1; 7/28/2015; CPC G06Q 20/227; 21 claims; assigned to Google Inc.

Data associated with a pending transaction; process involves associating a plurality of financial accounts with a user proxy account, establishing a model for the user account, and a bunch of other stuff.

Modified model that is used in a subsequent selection of a financial account for a subsequent transaction.

Frip: Key term in this patent is “proxy account,” which appears to be nowhere defined.

Apparatus, system and method for stimulating and securing retail transactions; US 9,092,770 B2; 7/28/2015; CPC G06Q 20/322; 4 claims; assigned to SecureCheck, LLC.

Consumer data comprising device use data, prior purchase data, and location data; video surveillance data related to at least one consumer having the consumer device data; process includes providing digital signage data to a plurality of in-store items available for purchase.

Communication with at least one consumer via at least the digital signage. Frip: The English language took a beating on this one.

System and method for financial transformation; US 9,092,824 B2; 7/28/2015; CPC G06Q 40/02; 32 claims; assigned to IBM.

Financial stuff; process involves in one aspect establishing a hub and spoke network of models including at least a process model as the hub and at least a components model, a value driver model, an applications model, and a solutions model as the spokes connected to the process model, a plurality of correlations being inferred among said models using daisy-chain analysis that navigate the hub and spoke network of models.

Bunch of analyses, including heat map analysis, application shortfall analysis, organization shortfall analysis, solution analysis, and business case analysis.

Frip: Okay, IBM, take a deep breath, relax, it’ll all be over soon.

Data sharing platform; US 9,092,828 B2; 7/28/2015; CPC G06Q 50/01; 20 claims; assigned to MasterCard International Incorporated.

Transaction data; process allows a plurality of payment card account holders that make payments with a payment card network to share payment card transaction data with at least one of a third party social network, a third party social matching web site, and a third party rating web site.

Shared data.

Frip: And the underlying purpose of sharing financial data is...?

August 4, 2015



Presentation of an interactive user interface; US 9,098,815 B2; 8/4/2015; CPC G06Q 10/04; 8 claims; assigned to Bank of America Corporation.

Information on specific risk situations.

User interface display that may include a master risk landscape map with nodes representing risks and links representing correlations between the risks, the visual appearance of the nodes and links possibly providing information about their characteristics, such as risk likelihood, risks severity, risk detectability, and/or strength of interconnectivity.

Frip: And this is not software per se?

Interactive query tool; US 9,098,827 B2; 8/4/2015; CPC G06Q 10/10; 13 claims; assigned to Bank of America Corporation.

Interactive query message from a user; process involves an automated processing system that extracts one or more keywords from the interactive query message and obtains response information from a data structure based on the one or more keywords.

Interactive response through instant messaging, or if message was not addressed to the automated processing system, response by a support group in a chat room system. Frip: Does this really need a patent?

Search and display of human resources information; US 9,098,831 B1; 8/4/2015; CPC G06Q 10/105; 12 claims; assigned to The PNC Financial Services Group, Inc.

Human resources data and related transactions; invention provides enhanced processes, methods, tools, strategies, and techniques for processing, managing, analyzing, or communicating human resources information within a computing environment.

Human resources information.

Frip: Betchca’ lotta passwords to remember.

Smart phone system and method; US 9,098,842 B2; 8/4/2015; CPC G06Q 20/20; 16 claims; assigned to American Express Travel Related Services Company, Inc.

Declined transaction at a merchant point of sale; process involves a passively pushed message in response to and substantially in concert with the declined transaction.

Possible resolution of the point of sale decline in real time.

Frip: “Passively pushed message” sounds conspiratorial.

Method and apparatus for simplifying the handling of complex payment transactions; US 9,098,851 B2; 8/4/2015; CPC G06Q 20/4037; 17 claims; assigned to MasterCard International Inc.

Presentation of a payment device to a merchant; process involves charging a predetermined amount, which may, in general, be zero, less than, the same as, or greater than a (yet-to-be-determined) final transaction amount, upon first presentation.

Calculation of a final transaction amount and a variable adjustment value.

Frip: This is something, alright.

Method and system for monitoring and detecting fraud in targeted benefits; US 9,098,852 B1; 8/4/2015; CPC G06Q 20/409; 22 claims; assigned to JPMorgan Chase Bank, N.A.

Participant data associated with a participant of a targeted benefit program wherein the participant data comprises geographical data associated with the participant and a participating merchant; process involves applying data linking to the participant data where a plurality of filters are applied to the participant data to identify potential fraud.

Recommended response to the identified potential fraud.

Frip: Your life online in this electronic age.

Dynamic payment methods and devices; US 9,098,869 B2; 8/4/2015; CPC G06Q 30/04; 11 claims; assigned to Telefonaktiebolaget L M Ericsson (SE).

Information identifying at least one user introduced billing gateway, wherein the user introduced billing gateway comprises a payment method associated with the user's preference for payment to a merchant; process involves receiving other billing gateways.

Selection of a billing gateway.

Frip: Must be something in the water in Sweden.

Financial-service structured content manager; US 9,098,875 B2; 8/4/2015; CPC G06Q 40/025; 20 claims; assigned to nCino, Inc.

Information pertaining to each of a set of financial objects; process involves content objects, a chronicles platform, buckets, and other stuff.

Detection of a content object and association of same with a bucket.

Frip: Say what?

System and method for displaying and analyzing financial correlation data; US 9,098,877 B2; 8/4/2015; CPC G06Q 40/06; 30 claims; assigned to The Capital Group Companies, Inc.

Financial instruments, portfolios, indices, asset classes; process involves matrices, Euclidean space and distances, and other stuff math majors wallow in.

Display of financial instruments, portfolios, indices, and asset classes in a Euclidean space corresponding to M dimensions of the eigenvalues, or something.

Frip: Say what again?

Stratified composite portfolios of investment securities; US 9,098,878 B2; 8/4/2015; CPC G06Q 40/06; 30 claims; assigned to Locus, LP (BM).

Investment securities; process involves stratifying the investment securities according to attributes that correlate to a specific asset risk, and assigning relative portfolio weights to the components based on their stratified positions.

Stratified composite portfolio of investment securities. Frip: Alice? Where you be?

August 11, 2015


PATENT DATA IN DATA OUTPredictive retirement toolset; US 9,104,991 B2; 8/11/2015; CPC G06Q 10/06; 15 claims; assigned to Bank of America Corporation.

Attribute data corresponding to an application; process includes translating, by a processing device, at least some of the received attribute data into one or more translated values based at least in part on one or more predetermined values and conditioning, by the processing device, the one or more translated values.

Probability value indicating the probability of retirement of the application.

Frip: If BofA can get patents for software per se, why can’t others?

Prepopulating application forms using real-time video analysis of identified objects; US 9,105,011 B2; 8/11/2015; CPC G06Q 10/10; 17 claims; assigned to Bank of America Corporation.

Request associated with populating one or more documents with information associated with a user; images captured in a real-time video stream.

Populated document. Frip: Video analysis, augmented reality, smart phones, the human race doesn’t stand a chance.

Method and system for depositing funds at a point of sale terminal; US 9,105,019 B1; 8/11/2015; CPC G06Q 20/20; 10 claims; assigned to Intuit Inc.

A deposit request by a point of sale (POS) terminal, the deposit request including a virtual account number and a deposit amount that matches an amount of funds received; process involves identifying a financial account number associated with the virtual account number.

Deposit of funds matching the deposit amount into a financial account corresponding to the financial account number.

Frip: Remember, if you don’t believe, you’ll never get rich.

Transaction device and processing system; US 9,105,020 B2; 8/11/2015; CPC G06Q 20/20; 17 claims; assigned to Bank of America Corporation.

Transaction by a customer; an account number; process involves identifying at least one characteristic of the transaction and selecting a recommended account.

Determination of whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of a first account.

Frip: Really?Methods and systems for providing a best price guarantee; US 9,105,022 B1; 8/11/2015; CPC G06Q 20/201; 14 claims; assigned to Citibank, N.A.

Purchase information from a financial customer who has a credit or debit card issued by the financial institution; stored product information corresponding to the received purchased product description, the stored product information comprising a lowest price datum; process involves comparing the lowest price datum to the purchase price.

If the lowest price datum is less than the purchase price, generating a claim form for the financial customer.

Frip: At least Citibank’s patent, unlike BofA’s, is somewhat understandable.

Transaction effects; US 9,105,062 B2; 8/11/2015; CPC G06Q 40/06; 8 claims; assigned to Addepar, Inc.

See also US 9,105,064.

Assets, accounts, and transaction data.

Display on a financial graph having nodes and edges.

Frip: Is “watch your nodes and edges” similar to “watch your ps and qs”?

August 18, 2015



Transaction device and processing system; US 9,111,269 B2; 8/18/2015; CPC G06Q 20/20; 20 claims; assigned to Bank of America.

Information identifying at least one characteristic of a proposed transaction; process includes identifying a plurality of accounts associated with the customer, and selecting a first account from among the plurality of accounts based on the characteristic.

Transaction request, comprising an account number associated with the first account, to a point of sale receiver associated with the merchant concerned.

Frip: And now no other financial institution can do this?

System and method for controlling financial transactions over a wireless network; US 9,111,271 B2; 8/18/2015; CPC G06Q 20/206; 30 claims; assigned to Unwired Planet, LLC.

Identification, by a customer using a wireless device, of a point of sale; process involves correlation, by a financial system, of the customer with a transaction amount entered by the merchant at the identified point of sale.

Eventually, a completed transaction. Frip: Wireless, the Holy Grail.

Mobile payments; US 9,111,272 B2; 8/18/2015; CPC G06Q 20/322; 20 claims; assigned to Bizmodeline Co., Ltd.

Payment request received at a computing device from a purchaser terminal.

Processed payment transaction if pertinent information verified.

Frip: It’s so easy to do stuff on the internets.

Payment processing; US 9,111,274 B2; 8/18/2015; CPC G06Q 20/3255; 16 claims; assigned to Sony Corporation.

Payment information; process involves back and forth communications.

Message reminders and maybe completed transactions.

Frip: Sometimes methinks applicants are just yanking the PTO’s chain.

Method and system for determining point of sale authorization; US 9,111,278 B1; 8/18/2015; CPC G06Q 20/4016; 16 claims; assigned to JPMorgan Chase Bank, N.A.

Sale authorization request for a transaction from a customer at a merchant; process involves accessing profile data, applying rules, applying a scoring algorithm, and more.

Response to the authorization request.

Frip: Pure data in-data out.

August 25, 2015



Apparatus and method for providing transaction history information, account history information, and/or charge-back information; US 9,117,230 B2; 8/25/2015; CPC G06Q 30/06; 52 claims; assigned to GTJ Ventures, LLC.

Information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction.

Report or message to a merchant, vendor, or provider of a good, product, or service regarding a charge-back regarding a previous transaction involving the individual.

Frip: Can’t get away with nothing these days.

System and method for a mobile wallet; US 9,117,242 B1; 8/25/2015; CPC G06Q 40/00; 22 claims; assigned to Wells Fargo Bank, N.A.

Request from a mobile device to initiate a transaction, and a selection of a stored value card from among a plurality of stored value cards as a payment option.

Completed transaction, and the reduction of the value card by the amount of the transaction. Frip: Aren’t all wallets mobile?

System and method for management and analysis of electronic trade orders; US 9,117,244 B2; 8/25/2015; CPC G06Q 40/04; 28 claims; assigned to Trading Technologies International, Inc.

Detection of a hedge order; process involves using order descriptor identifiers in relation to orders being used in trading strategies.

Orders per the trading strategy.

Frip: TTI, catchin’ on to the post-Alice world.

Systems and methods to perform credit valuation adjustment analyses; US 9,117,245 B1; 8/25/2015; CPC G06Q 40/06; 15 claims; assigned to Goldman, Sachs & Co.

Information associated with existing and proposed credit positions involving a first party and counterparties; process involves various net present value calculations.

The final net present value.

Frip: Involves those evil things that almost destroyed the world in 2008—credit default swaps.

Systems methods and computer program products for encoding and decoding tax return data; US 9,117,247 B2; 8/25/2015; CPC G06Q 40/123; 23 claims; assigned to Intuit Inc.

Two-dimensional machine-readable representation of tax data.

Electronically filed tax return.

Frip: April 15 no longer a big deal.

September 1, 2015


PATENT DATA IN DATA OUTPredictive geolocation based receipt retrieval for post transaction activity; US 9,123,045 B2; 9/1/2015; CPC G06Q 30/01; 19 claims; assigned to Bank of America Corporation.

Receipt associated with a user’s transaction with a merchant; indication of the geographic location of the user; process involves identifying one or more merchants relative in location to the geographic location of the user, retrieving receipts of the merchants, and retrieving products associated with the receipts for possible post-transaction actions.

List of one or more products identified in order of categorization to the user.

Frip: Maybe this makes sense to someone.

Method and system for maintaining privacy in scoring of consumer spending behavior; US 9,123,054 B1; 9/1/2015; CPC G06Q 30/0201; 30 claims; assigned to MasterCard International Incorporated.

Consumer characteristics; process involves two computing systems and various steps designed to disguise consumer identities and characteristics.

Consumer behavior scores that maintain consumer privacy. Frip: Mum’s the word.

Customizable macro-based order entry protocol and system; US 9,123,076 B2; 9/1/2015; CPC G06Q 40/04; 17 claims; assigned to The NASDAQ OMX Group, Inc.

Initial order data message containing a macro that establishes the initial parameters for an order and a unique ID; subsequent, and potentially smaller sized data messages containing the unique ID as well as relevant order details for placing an order; process envisions a much broader concept of reducing message sizes to help improve overall latency and is not limited to order entry.

A complete order data message.

Frip: Latency, another one of those weird Information Age concepts.

September 8, 2015


PATENT DATA IN DATA OUTDelivering financial services to remote devices; US 9,129,279 B1; 9/8/2015; CPC G06Q 20/30; 21 claims; assigned to Citicorp Development Center, Inc.

Information from a consumer; process involves delivering financial services to a plurality of different devices.

Formatted outputs for the consumer.

Frip: Ought to be a law of only one device per person.

Automated contactless access device location system and method; US 9,129,281 B2; 9/8/2015; CPC G06Q 20/352; 17 claims; assigned to Visa International Service Association.

Transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location; location database.

Map data. Frip: Soon they will know where you are, all the time.

Systems and methods for computing performance metrics for a sourcing department; US 9,129,299 B1; 9/8/2015; CPC G06Q 30/0206; 19 claims; assigned to Morgan Stanley.

Data about sourcing deals. Transmittal of the overall run-rate impact, the unit price change impact, the quantity change impact, and the joint impact of price and quantity changes in one or more electronic files to an end user computer system via an IP data network.

Frip: Morgan Stanley, down in the weeds.

Fraud detection system audit capability; US 9,129,321 B2; 9/8/2015; CPC G06Q 30/06; 20 claims; assigned to Visa International Service Association.

An audit log of modifications made by a user to a selection of fraud detection rules in a merchant profile.

Details of modifications made to a merchant profile.

Frip: A bit of software searching, eh?

Systems and methods for price searching and intelligent shopping lists on a mobile device; US 9,129,332 B1; 9/8/2015; CPC G06Q 30/0639; 22 claims; assigned to USAA.

Input data containing product identification information; process involves price searching and intelligent shopping lists on a mobile device.

Location information of a product identified by the product identification information.

Frip: Could’a used this today while shopping. Couldn’t find a bottle of port amongst all the wine.

Apparatuses, methods and systems for remote deposit capture with enhanced image detection; US 9,129,340 B1; 9/8/2015; CPC G06Q 40/02; 22 claims; assigned to USAA.

Check image captured by a scanner, a camera, and/or the like.

Processed deposit request.

Frip: What’s a check?

September 15, 2015


PATENT DATA IN DATA OUTAdvanced systems and methods for geographical card; US 9,135,611 B1; 9/15/2015; CPC G06Q 20/20; 33 claims; assigned to USAA.

Purchase using a transaction control card; process involves processing information related to the transaction control card and purchase item data related to the purchase item.

Determination as to whether the purchase item is disallowed for purchase.

Frip: Rename a card, get a patent.

System and method for controlling financial transactions over a wireless network; US 9,135,613 B2; 9/15/2015; CPC G06Q 20/206; 18 claims; assigned to Unwired Planet, LLC.

Identification, by a customer, of a point of sale and the amount of a transaction at that point of sale; process involves communicating the data to a central service and then transmitting to the wireless device for display at the wireless device.

Acceptance or rejection of the transaction by the customer. Frip: Over Frip’s head.

Methods and systems for performing authentication in consumer transactions; US 9,135,621 B2; 9/15/2015; CPC G06Q 20/382; 16 claims; assigned to Visa International Service Association.

Authentication information from a cardholder; process involves providing authentication information to an issuer, and determining whether the authentication information is valid.

Authenticated information, or not.

Frip: Nuances here escape Frip.

Graphical representation of financial information; US 9,135,659 B1; 9/15/2015; CPC G06Q 40/04; 20 claims.

Financial items; process involves arranging the financial items into a tree, wherein the arrangements are limited by prohibiting cyclic-equivalent sequences and reverse-cyclic-equivalent sequences for arranging at least three financial items that are children of a financial item that is the root node in the tree.

Planar depiction of the tree on a display device.

Frip: Thank goodness! No cyclic-equivalent sequences.

System and method for electronic spread trading in real and synthetically generated markets; US 9,135,660 B2; 9/15/2015; CPC G06Q 40/04; 17 claims; assigned to Trading Technologies International, Inc.

Real time market data; process permits analysis of synthetic and real markets that offer interchangeable tradable objects to find market opportunities on which a trader may capitalize.

Orders to real markets, synthetic markets, or both.

Frip: Synthetic markets, synthetic money.

System and method for determining the liquidity of a credit; US 9,135,661 B2; 9/15/2015; CPC G06Q 40/06; 21 claims; assigned to Goldman, Sachs & Co.

Bonds for inclusion in a broad index composition, the bonds being selected based on a broad bond index selection criteria; process involves applying a disqualification criteria to the bonds in the broad index to identify bonds that are qualified entrants into the liquid bond index, and assigning a liquidity score to each of the identified bonds.

Liquid bond index.

Frip: And you thought Goldman was an old fuddy-duddy.

Method and system for communicating financial news; US 9,135,662 B2; 9/15/2015; CPC G06Q 40/06; 20 claims; assigned to Algo Innovations, LLC.

Continuous feed of relevant data extracted from a machine-readable data broadcast of financial news analytic data and/or a trading exchange data.

Reformulated data to provide a more efficient display and understanding.

Frip: Reformulate data, get a patent.

September 22, 2015


PATENT DATA IN DATA OUTMethod and system for managing reward reversal after posting; US 9,141, 967 B2; 9/22/2015; CPC G06Q 30/0226; 18 claims; assigned to Visa U.S.A. Inc.

Information relating to a previously completed transaction that is to be reversed, the transaction being associated with an account linked to a loyalty program.

Transaction reversal and updated associate account.

Frip: Earth-shaking stuff, eh?

User interface for semi-fungible trading; US 9,141, 993 B2; 9/22/2015; CPC G06Q 40/04; 7 claims; assigned to Trading Technologies International, Inc.

Market information having bids and offers for each of a plurality of semi-fungible and non-fungible goods.

Display consisting of a differential value axis having a plurality of differential values, each differential value representing a difference between values of a plurality of products determined according to at least the market information, a bid indicator along the differential value axis according to the market information, and an offer indicator along the differential value axis according to the market information. Frip: Another graphic display patent. The possibilities are endless.

Systems and methods for activity evaluation; US 9,141, 994 B2; 9/22/2015; CPC G06Q 40/08; 20 claims; assigned to Hartford Fire Insurance Company.

Data from sensors monitoring user activity, the sensors being worn by the user or placed in the user environment.

Recommendations or adjustments to the terms of an insurance policy covering the user.

Frip: Wow! Big Bro is definitely watching!

September 29, 2015



Systems and methods for analysis and linkage between different transaction data providers; US 9,147,183 B2; 9/29/2015; CPC G06Q 20/10; 16 claims; assigned to MasterCard International Incorporated.

First set of de-identified transaction data from a first transaction data source; second set of de-identified transaction data from a second transaction data source; process involves filtering data, creating data sets, removing identifier data, and processing de-identified data using a probabilistic engine.

Linkage between data in each data set.

Frip: You just gotta hope they know what they’re doing.

October 6, 2015


PATENT DATA IN DATA OUTCredit card imaging for mobile payment and other applications; US 9,152,959 B2; 10/6/2015; CPC G06Q 20/3274; 16 claims; assigned to Visa U.S.A. Inc.

Request for credit image data from a mobile payment device; process involves retrieving a master image layer and a design image layer from memory based on an identity of the mobile payment device, and processing the master image layer and the design image layer to generate the credit image data.

Transmission of the credit image data to the mobile payment device and completion of a payment transaction.

Frip: More complexity in an increasingly complex world.

Gift card transaction processing; US 9,152,963 B2; 10/6/2015; CPC G06Q 20/40; 20 claims; assigned to Bank of America Corporation.

Information associated with a transaction executed using a payment method associated with an account, the information including an alias associated with the account and an amount of the transaction; process involves determining, based on accessing a database, whether the alias is associated with a gift card, and if so, determining whether the transaction qualifies for the gift card.

Application of the balance of the gift card to the amount of the transaction. Frip: Does anybody give tangible gifts anymore?

Method and devices for inter-terminal payments; US 9,152,965 B2; 10/6/2015; CPC G06Q 20/42; 14 claims; assigned to Telefonaktiebolaget LM Ericsson (SE).

Payment relevant data of a payee; process involves transmitting the data to the payment device of a payer, which triggers the transaction of financial value at a trusted third party by a message.

Completion and confirmation of the transaction.

Frip: Send messages back and forth, get a patent.

Systems and methods for processing transactions; US 9,152,974 B1; 10/6/2015; CPC G06Q 30/0228; 17 claims; assigned to American Express Travel Related Services Company, Inc.

Identifier that associates a funds request with a rewards currency request, wherein the funds request comprises a request to apply funds to a split transaction and the rewards currency request comprises a request to apply rewards currency to the split transaction

Resolution of dispute consisting of crediting the rewards amount to the rewards account and crediting the reduced amount to the transaction account, wherein the reduced amount is the amount of the transaction less the monetary value associated with the rewards currency request.

Frip: Say what?Methods and system for visually designing trading strategies and execution thereof; US 9,152,996 B2; 10/6/2015; CPC G06Q 40/04; 21 claims; assigned to KnowVera, LLC.

An alert strategy, representing a strategy diagram made on a computer screen from a plurality of provided pre-programmed components; a selection of at least one trading instrument for the alert strategy; process involves validating the alert strategy, the validation including generating, real-time, a smart chart for the alert strategy.

Execution of the alert strategy for the trading instrument based, at least in part, on one of: i) historical market data and/or ii) real-time market data.

Frip: Gibberish, or is Frip just obtuse?

Method for buying and selling stocks and securities; US 9,152,997 B2; 10/6/2015; CPC G06Q 40/06; 11 claims.

Certain stock price information and calculated parameters including a line chart for the trailing 12 months price of the stock being examined, the 10-day Simple Moving Average (SMA) of the stock, the 50-day SMA of the stock, the 20-day Price Channel, and a linear regression trend line; process involves display of the information and parameters on a graphic display.

Buy, sell, or take no action indicator.

Frip: Data in, data out.

Investor relations systems and methods; US 9,152,998 B2; 10/6/2015; CPC G06Q 40/06; 7 claims; assigned to TSX Inc.

Query in an intermediate language, the intermediate language specific to a vertical domain, the query comprising multiple query terms from a user expressing the user's intent; process involves parsing the intermediate language query into multiple query terms.

Data retrieval language query having data retrieval terms specific to retrieving data from the data store.

Frip: “Parsing.” The term has gotta be worth a patent.

October 13, 2015


PATENT DATA IN DATA OUTSystems and methods for rapidly provisioning functionality to one or more mobile communication devices; US 9,159,063 B1; 10/13/2015; CPC G06Q 20/3226; 20 claims; assigned to American Express Travel Related Services Company, Inc.

Request transmitted by a mobile device to receive application functionality; process includes receiving a preformed perso-script that comprises a file that includes customer information and is prepended by a key rotation portion, and processing, by the mobile communication device, the key rotation portion to rotate to a new set of encryption keys.

Result of the key rotation.

Frip: Hackers are licking their chops at the challenge.

System for encoding customer data; US 9,159,069 B1; 10/13/2015; CPC G06Q 30/01; 20 claims; assigned to Bank of America Corporation.

Rules; customer data. Generated customer profile code associated with a customer identifier, the profile code being communicated to a third party if the customer identifier matches the third party data. Frip: Does this mean no more need for passwords? Probably not.

Method and computer readable medium for facilitating asynchronous communication between a server and client computer; US 9,159,093 B1; 10/13/2015; CPC G06Q 30/0623; 13 claims; assigned to USAA.

Request for information; detected client action.

Determination whether communication with the server is required to respond to the client action and, if the communication is not necessary, responding to the client action without communicating with the server regarding the response.

Frip: Is life really this complicated?

Image processing; US 9,159,101 B1; 10/13/2015; CPC G06Q 40/02; 27 claims; assigned to USAA.

Image of a check; process involves scanning the check into one or more files.

Presentation of the images contained in the files through the banking system for payment.

Frip: Here’s the Word file with my check’s image. Pay me.

System and method for dynamically determining quantity for risk management; US 9,159,103 B2; 10/13/2015; CPC G06Q 40/04; 26 claims; assigned to Trading Technologies International, Inc.

Positioning of an order icon by a trader at a desired price or price-derivative value on a graphical interface; process involves dynamically determining an order quantity based on the order price and a selected risk management formula, with the trader being able to change the price or the price-related value for one or more orders by moving the order icons relative to a price axis on a graphical interface.

Submission of orders to an electronic exchange.

Frip: TTI is surviving in a post-Alice world.

Computer-implemented methods and computer systems for an electronic financial platform; US 9,159,104 B1; 10/13/2015; CPC G06Q 40/04; 24 claims; assigned to Green Key Technologies LLC.

Passive indication of interest (IOI) for a financial instrument from a trader, where the passive IOI is a bid or an offer and a resting liquidity; another IOI that is an aggressive IOI, where the aggressive IOI is available to be immediately crossed at the price; process involves classifying the passive trader as at least a trading type that is subject to a decline ratio calculation for crossing the passive IOIs.

Determination, in real-time, of an allocation of the aggressive IOI to the trader submitting the passive IOI based on the decline ratio of the trader.

Frip: Passive, aggressive? Is this about securities trading or sex?

October 20, 2015


PATENT DATA IN DATA OUTRemote synchronization of pin-pad records with a central transactions database; US 9,165,298 B2; 10/20/2015; CPC G06Q 20/40; 11 claims; assigned to The Toronto-Dominion Bank (CA).

Authorization code, received by a gateway, for a transaction authorized using one of a plurality of pin-pad terminals, each terminal having a memory storing particulars of at least one authorized transaction authorized using the terminal, and a running total value of all transactions authorized using the pin-pad terminal; among other stuff, process involves request to gateway to close out all saved transactions and request for an additional transaction.

Closing by the gateway of all the saved transactions authorized using the one terminal, and responding to the authorization request message by providing the one terminal with a remote synchronization command commanding the one terminal to clear the running total from the memory.

Frip: Huh?

October 27, 2015


PATENT DATA IN DATA OUTMobile check generator; US 9,171,296 B1; 10/27/2015; CPC G06Q 20/0425; 18 claims; assigned to Bank of America Corporation.

Request, from the user, to perform a transaction with a merchant; input from the user about at least one of the check fields.

Display of a generated virtual check with the check fields populated based on the user input.

Frip: Virtual money is cool.

System and method for checkless cash advance settlement; US 9,171,303 B2; 10/27/2015; CPC G06Q 20/40; 20 claims; assigned to Everi Payments, Inc.

Information from a customer, most likely of a gambling establishment, relating to a desired transaction dollar amount; process involves customer identification, validation, and other stuff.

Disbursing of cash. Frip: And all within the friendly confines of a casino.

Commercial card packet; US 9,171,331 B1; 10/27/2015; CPC G06Q 40/02; 16 claims; assigned to Bank of America Corporation.

Information associated with issuing a card to a customer; process involves multiple users in the issuing financial institution have various degrees of access to the activity.

A completed review of the card application.

Frip: Lotsa steps make a patent?

Equity/interest rate hybrid risk mitigation system and method; US 9,171,332 B2; 10/27/2015; CPC G06Q 40/04; 27 claims; assigned to Hartford Fire Insurance Company.

Risks associated with the issuance of an insurance instrument; process involves a complex system for determining hedging transactions that utilize hybrid derivatives.

Hedging transactions.

Frip: Patent on a financial instrument. Shades of 4 or 5 years ago.

Tax data clustering; US 9,171,334 B1; 10/27/2015; CPC G06Q 40/123; 18 claims; assigned to Palantir Technologies Inc.

Data on financial and tax stuff; process involves a lengthy process of generating and analyzing “seeds.”

Cluster scores.

Frip: Ah ha! Data In-Data Out.

Cumulative connectedness; US 9,171,336 B2; 10/27/2015; CPC G06Q 50/01; 27 claims; assigned to Bank of America Corporation.

Information associated with a social network; process involves data mining a social network.

Cumulative connectedness weight factor.

Frip: “Cumulative connectedness.” Sounds like a sex game of some sort. You sure you should be doing this, BofA?

November 3, 2015


PATENT DATA IN DATA OUTAuthentication of financial transactions via wireless communication link; US 9,177,311 B2; 11/3/2015; CPC G06Q 20/3224; 30 claims; assigned to Empire Technology Development LLC.

Request for a financial transaction, received by a computing apparatus; embodiments of the disclosure relating to cellular phones, and more particularly, to autonomous, non-interactive context-based services (beyond traditional telephony and personal information management applications) on a cellular phone.

Authenticated transaction.

Frip: Patent Office secret--if you can’t figure out what the heck it is, give it a patent.

System and method for providing contactless payment with a near field communications attachment; US 9,177,312 B1; 11/3/2015; CPC G06Q 20/3278; 23 claims; assigned to Capital One Financial Corporation.

Payment initiation instruction from a customer; process involves a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.

Data related to payment. Frip: Don’t near filed communication antennas cause impotence in rats?

November 10, 2015


PATENT DATA IN DATA OUTSystems and methods for user authentication via mobile device; US 9,183,554 B1; 11/10/2015; CPC G06Q 20/388; 18 claims; assigned to USAA.

A gesture provided by a mobile device to an automated teller machine (ATM) or point of sale (POS) terminal, the gesture being provided using a touchscreen of the mobile device; process involves comparing the gesture to a stored gesture provided by the user during an earlier registration of the financial card.

Authentication if there is a match between the gesture provided by the user via the mobile device and the previously stored gesture.

Frip: Would shooting the bird be a valid gesture? And what if everyone uses it?

Virtual accounts linked to financial accounts; US 9,183,591 B2; 11/10/2015; CPC G06Q 40/02; 20 claims; assigned to IBM.

Financial accounts; process involves generating virtual accounts that are linked to financial accounts.

Virtual accounts having alphanumeric identifiers different from an alphanumeric identifier of a financial account to which the virtual account is linked. Frip: I’m wantin’ me a virtual woman.

Systems and methods for graphically enabled retirement planning; US 9,183,592 B2; 11/10/2015; CPC G06Q 40/08; 18 claims; assigned to Hartford Fire Insurance Company.

User retirement goals; process involves initially categorizing the goals as basic expenses or optional expenses, displaying the categorized results as icons on a screen, and allowing the user to move the icons among the categories.

Re-categorized goals.

Frip: A software per se patent perchance?

Customizable insurance system; US 9,183,593 B2; 11/10/2015; CPC G06Q 40/08; 22 claims; assigned to Progressive Casualty Insurance Company.

Applicant data; process involves use of a self-service communication channel.

Coverage details on insurance policies allowed under the applicant’s governmental law and tailored to the applicant’s price or coverage preferences or both.

Frip: Gee thanks, Flo.

November 17, 2015


PATENT DATA IN DATA OUTMethods, systems, and articles of manufacture for fulfilling a loan request of a business entity; US 9,189,789 B1; 11/17/15; CPC G06Q 30/00; 17 claims; assigned to Intuit Inc.

Loan request from a business entity; process involves identifying or creating borrower and lender profiles, and matching the loan request for the business entity using compatibility criteria included in or associated with the profiles.

Determinations of compatibility between business entity requesting a loan and a lender.

Frip: Compatibility. Something the world is sorely lacking.

User interface for an electronic trading system; US 9,189,815 B2; 11/17/15; CPC G06Q 40/04; 26 claims; assigned to Trading Technologies International Inc.

Bid, order, and trading information; process involves a real-time graphic display.

Graphic displays. Frip: Software per se?

November 24, 2015



Systems and methods for an analysis cycle to determine interest merchants; US 9,195,988 B2; 11/24/2015; CPC G06Q 30/0201; 19 claims; assigned to American Express Travel Related Services Company, Inc.

Seed merchant relevant to a topic interest; process involves identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining all merchants visited by the identified consumers, scoring the merchants based on at least one of network connectivity, activity, and merchant over index, where the scoring generates a list of scored merchants.

Updated seed merchant in response to the list of scored merchants relative to a scoring threshold, scored list of identified consumers based on at least one of a number of distinct merchants in transaction and over-indexing, and so much more.

Frip: Don’t suppose “seed” refers to those things from which plants grow.

System and method for a mobile wallet; US 9,195,994 B1; 11/24/2015; CPC G06Q 30/0255; 18 claims; assigned to Wells Fargo Bank, N.A.

Search request from a mobile computing device located in a store, the search request requesting the location of a product within the store, wherein the search request includes an image captured by the mobile computing device.

A display that includes the image and that identifies the locations of merchants that have at least one offer available for a user of the mobile device based on the geographic location and the direction of the mobile computing device, and generation of the at least one offer based on the past transactions of the user. Frip: Big Bro keeping track of you.

Automated valuation model with customizable neighborhood determination; US 9,195,998 B2; 11/24/2015; CPC G06Q 30/0278; 12 claims; assigned to Fannie Mae.

User defined geographic area; process involves applying an automated valuation model to property data for properties within the defined geographic area.

Display of map image with locations of properties.

Frip: Wasn’t Fannie abolished some years back?

Methods and systems for routing e-invoices; US 9,195,999 B2; 11/24/2015; CPC G06Q 30/04; 15 claims; assigned to MasterCard International Incorporated.

Electronic invoice in a first electronic invoice format via a network; process involves translating the electronic invoice from the first electronic invoice format to an intermediary electronic invoice format, and then to a second electronic invoice format that is different than the first electronic invoice format.

Transmission of the second electronic invoice via the network.

Frip: At a loss for words.

December 1, 2015


PATENT DATA IN DATA OUTSecure financial transaction processing using location information; US 9,202,206 B2; 12/1/2015; CPC G06Q 20/04; 15 claims; assigned to eCardless Bancorp, Ltd.

Order by a user; process involves a customer having a customer account set up at a bank with associated account information that includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized global positioning satellite or other secure location information, authorized user identification, authorized telephone caller identification, and/or other account information.

Validated order after customer account information is verified or authenticated.

Frip: Where you at? I’m here.

Transferring money using email; US 9,202,207 B2; 12/1/2015; CPC G06Q 20/10; 14 claims; assigned to Square, Inc.

User input, at a user device, of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system.

After confirmation, initiated transfer Frip: Here’s some money, Dude.

December 8, 2015


PATENT DATA IN DATA OUTIncident management for automated teller machines; US 9,208,479 B2; 12/8/2015; CPC G06Q 10/20; 21 claims; assigned to Bank of America Corporation.

Outage data from an ATM in an ATM system.

Severity level of the outage and the appropriate recovery procedure.

Frip: ATMs, a step backward in humankind’s history.

Systems and methods for digital spend based targeting and measurement; US 9,208,510 B1; 12/8/2015; CPC G06Q 30/0255; 21 claims; assigned to American Express Travel Related Services Company, Inc.

Customer spend and/or browsing behavior.

Targeted advertisements, and measurements of the effectiveness and relevance of those advertisements. Frip: We’re all just a bunch of bits and bytes in Big Bro’s database.

Systems and methods for cash positioning and reporting; US 9,208,522 B2; 12/8/2015; CPC G06Q 40/02; 11 claims; assigned to Bank of America Corporation.

An indication from a user that he or she desires to update a store of data that might include cash positioning and cash reporting information; process may include retrieving bank account information.

Updated spreadsheets and stuff.

Frip: And nobody is doing anything similar?

Systems and methods for expense management; US 9,208,528 B2; 12/8/2015; CPC G06Q 40/125; 20 claims; assigned to American Express Travel Related Services Company, Inc.

Transaction receipts; process involves extracting information from the receipts and matching the extracted information to one or more of a plurality of Records of Charge.

Expense report.

Frip: A patent on accounting.

December 15, 2015



Regulation compliant data integration for financial institutions; US 9,213,966 B2; 12/15/2015; CPC G06Q 20/10; 20 claims; assigned to Intuit Inc.

Request by a user to access financial data; process involves a flow chart process to get from here to there.

Financial management report for the user.

Frip: Rad, man.Processing of co-mingled paper correspondence; US 9,213,970 B1; 12/15/2015; CPC G06Q 20/30; 21 claims; assigned to Bank of America Corporation.

Co-mingled paper correspondence received at a central location; apparatus and methods provide an ability to translate transaction information extracted from the co-mingled correspondence to a payment time, and may use custom scan templates to improve reliability and accuracy of information extracted from co-mingled correspondence.

Credit of a payment amount to the customer account number. Frip: BofA solves the paper problem.

Remote revocation of application access based on non-co-location of a transaction vehicle and a mobile device; US 9,213,974 B2; 12/15/2015; CPC G06Q 20/40; 19 claims; assigned to Bank of America Corporation.

Transactions of a user; process involves monitoring one or more transactions involving a transaction vehicle of a user and determining whether or not the transaction vehicle of the user the mobile device of the user are co-located.

If the mobile device of the user and the transaction vehicle of the user are not co-located, reconfiguration of one or more applications accessible to the mobile device is accomplished.

Frip: BofA, watching out for ya.

Adaptive policies and protections for securing financial transaction data at rest; US 9,213,975 B2; 12/15/2015; CPC G06Q 20/40; 19 claims; assigned to American Express Travel Related Services Company, Inc.

A plurality of codes over a communication network based on input provided by way of a user interface displaying a plurality of images; process involves generating an alphanumeric string that associates each one of the plurality of codes with a respective one of the plurality of images and with a respective one of a plurality of alphanumeric characters.

Determination as to whether to grant authorization.

Frip: Cyber-stuff.

Authentication of a data card using a transit verification value; US 9,213,977 B2; 12/15/2015; CPC G06Q 20/4097; 18 claims; assigned to Visa U.S.A. Inc.

Data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string that includes a transit verification value; process involves processing access transaction application data for selective authorization of the transaction.

Determination of whether to grant authentication.

Frip: Everybody is doing cyber-stuff.

December 22, 2015


PATENT DATA IN DATA OUTSystems and methods for initiating payment from a client device; US 9,218,595 B2; 12/22/2015; CPC G06Q 20/322; assigned to Capital One Financial Corporation.

Motion pattern associated with a physical drawing action performed on a mobile client device by a user; process involves determining a financial service function based on the detected motion pattern, analyzing the pattern based on predefined criteria, and verifying the user.

Automatic initiation, by the mobile client device, of the financial service function

Frip: What’s wrong with keyboards?

Method and apparatus for providing real time mutable credit card information; US 9,218,596 B2; 12/22/2015; CPC G06Q 20/341; assigned to Bank of America Corporation.

Instruction to a smartphone for a request for a dynamic transaction authorization number; apparatus involves a Bluetooth low energy device and a memory configured to store the dynamic authorization number.

Dynamic magnetic strip comprising a digital representation of the dynamic transaction authorization number. Frip: Is this an apparatus, a system, or a process?

Wireless devices for storing a financial account card and methods for storing card data in a wireless device; US 9,218,597 B2; 12/22/2015; CPC G06Q 20/3567; assigned to Capital One Financial Corporation.

First and second financial card data; transaction type data.

Based on the transaction type data, automatic selection of the first or second financial card data, and communication of the selected card data for use in the transaction.

Frip: Wireless, that’s what’s happnin’.

Method and system for automatic chargeback reimbursement for product returns; US 9,218,599 B1; 12/22/2015; CPC G06Q 20/407; assigned to MasterCard International Incorporated.

Indication, received by a receiving device, of a product return, the indication including a specific account identifier, a product amount, and a merchant identifier; account profiles; process involves identifying in the account database a specific account profile.

Transmission of the generated chargeback request.

Frip: Flowchart patent.

Method and interface for historical display of market information; US 9,218,625 B2; 12/22/2015; CPC G06Q 40/06; assigned to Trading Technologies International, Inc.

Market Information. Display of bid and ask information.

Frip: TTI, in spite of Alice, still getting patents on graphic displays.

December 29, 2015


PATENT DATA IN DATA OUTPreparing preliminary transaction work for a mobile banking customer; US 9,224,113 B2; 12/29/2015; CPC G06Q 10/063114; 20 claims; assigned to Bank of America Corporation.

Information associated with an intended transaction before the user enters the facility; process involves doing preliminary work associated with the transaction.

Preliminary work associated with the transaction.

Frip: Big, Big Bro stuff.

Systems and methods for remote deposit of checks; US 9,224,136 B1; 12/29/2015; CPC G06Q 20/0425; 18 claims; assigned to USAA.

An account identification number, check amount indication, and check image, where the check image is an image of a check captured by a camera; process involves performing optical character recognition on the check image to determine a routing number for the check image, and validating the routing number.

Check deposit initiation. Frip: How about instead of an image of a check, an image of real money?

Apparatus and method for point of sale terminal fraud detection; US 9,224,146 B2; 12/29/2015; CPC G06Q 20/4016; 23 claims; assigned to The Toronto Dominion Bank.

Detecting a violation of one or more security parameters at a payment terminal being monitored; process includes classifying the detected one or more violations.

Transmittal of notice of the potential one or more violations to a centralized terminal management server, and initiation of appropriate action.

Frip: Is multiple account numbers on a card a security violation?

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