Daniel H Struble

US Patent:

8626656, Jan 7, 2014

Filed:

Apr 28, 2010

Appl. No.:

12/768876

Inventors:

James John Kelly - Hockessin DE, US
Todd Adam Sandler - Gladwyne PA, US
Daniel Lloyd Struble - Newark DE, US
Rudolph Christian Wolfs - Hockessin DE, US

Assignee:

ING Direct N.V. - Hoofddorp

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

A system and method for securing financial information in payment instruments including generating a pseudorandom number sequence, generating an activation code, including a unique pseudorandom number of the sequence with each payment instrument of a plurality of payment instruments and issuing the plurality of payment instruments with the activation code to a customer. The activation code is associated with customer identifying information and each unique pseudorandom number of the sequence included with each payment instrument of the plurality of payment instrument. The plurality of payment instruments is activated with the activation code. A received payment instrument of the plurality of payment instruments is authenticated if the customer and the unique pseudorandom number of the sequence included on the received payment instrument are authenticated and if the plurality of payment instruments are activated.

US Patent:

20110270754, Nov 3, 2011

Filed:

Dec 17, 2010

Appl. No.:

12/971713

Inventors:

James John Kelly - Hockessin DE, US
Todd Adam Sandler - Gladwyne PA, US
Daniel Lloyd Struble - Newark DE, US
Rudolph Christian Wolfs - Hockessin DE, US
Joseph DeLiberis - Gibbstown NJ, US

Assignee:

ING DIRECT, FSB - Wilmington DE

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.

US Patent:

20200302552, Sep 24, 2020

Filed:

Jun 8, 2020

Appl. No.:

16/895228

Inventors:

- McLean VA, US
Daniel L. Struble - Newark DE, US
Mohamed Lafeer - Fairfax VA, US
Robert D. Rowley - Garnet Valley PA, US
Nondini A. Naqui - Philadelphia PA, US
Sarah Calandro - Austin TX, US
Colin Hart - Arlington VA, US

International Classification:

G06Q 40/00

Abstract:

A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

US Patent:

20200279275, Sep 3, 2020

Filed:

May 15, 2020

Appl. No.:

16/875318

Inventors:

- McLean VA, US
Todd Adam Sandler - Gladwyne PA, US
Daniel Lloyd Struble - Newark DE, US
Rudolph Christian Wolfs - Fort Meyers Beach FL, US
Joseph DeLiberis - Gibbstown NJ, US

International Classification:

G06Q 30/00
G06Q 20/04
G06Q 20/10
G06Q 20/34
G06Q 20/40

Abstract:

A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.

US Patent:

20190066229, Feb 28, 2019

Filed:

Oct 29, 2018

Appl. No.:

16/174061

Inventors:

- McLean VA, US
Daniel L. Struble - Newark DE, US
Mohamed Lafeer - Fairfax VA, US
Robert D. Rowley - Garnet Valley PA, US
Nondini A. Naqui - Philadelphia PA, US
Sarah Calandro - Austin TX, US
Colin Hart - Arlington VA, US

International Classification:

G06Q 40/00

Abstract:

A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

US Patent:

20180012234, Jan 11, 2018

Filed:

Jul 21, 2017

Appl. No.:

15/655971

Inventors:

- McLean VA, US
Todd Adam SANDLER - Gladwyne PA, US
Daniel Lloyd STRUBLE - Newark NJ, US
Rudolph Christian WOLFS - Hockessin DE, US
Joseph DeLIBERIS - Gibbstown NJ, US

International Classification:

G06Q 30/00
G06Q 20/10
G06Q 20/04
G06Q 20/40
G06Q 20/34

Abstract:

A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.

US Patent:

20150206252, Jul 23, 2015

Filed:

Jan 21, 2015

Appl. No.:

14/601631

Inventors:

- McLean VA, US
Daniel L. STRUBLE - Newark DE, US
Mohamed LAFEER - Fairfax VA, US
Robert D. ROWLEY - Garnet Valley PA, US
Nondini A. NAQUI - Philadelphia PA, US

International Classification:

G06Q 40/00
G06N 5/04

Abstract:

A system and method include a financial data storage that stores internal account data, external account data, and transaction data, a communications interface that receives, via a network, external account data from an external data source and transaction data from a merchant, a database manager that cooperates with the communications interface to store the received external account data in the financial data storage and the received transaction data from the merchant, an account balance prediction processor that determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data, determines recurring income data based on at least one of: the internal account data and the external account data, determines a predicted financial transaction using a predictive model based on the at least one recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive model based on the recurring income data and the prediction time period, and calculates a predicted account balance based on the total predicted financial transactions and the predicted income, a transaction monitor that receives actual financial transaction data and actual income data, compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data, an alert transmitter that transmits, via a network in cooperation with the communications interface, an alert to an account holder based on the comparison.