Patents Assigned to Charles Schwab & Co.
  • Publication number: 20240362350
    Abstract: A device, method, and non-transitory computer readable medium for obfuscating text data by selectively masking incoming tokens within the text data based on allowed tokens within an allow list, and storing a result thereof within a memory.
    Type: Application
    Filed: April 25, 2023
    Publication date: October 31, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Valerie Roth, Brandon Lind, Stephanie Lucas, Maribel Mendoza
  • Publication number: 20240356945
    Abstract: A server for detecting anomalies associated with users accessing a network is caused to receive a dataset including static data and dynamic data. The static data includes location data of resources associated with the network and user data, and the dynamic data includes user access events. The server is further caused to detect, with a plurality of unsupervised machine learning models, an anomaly associated with a user accessing the network based on the static data and the dynamic data, determine whether the detected anomaly is critical, and in response to determining the detected anomaly is critical, generate and transmit a security alert specific to the detected anomaly to a security operation center. Other example servers, systems, apparatuses, methods, and non-transitory computer readable medium for detecting anomalies associated with users accessing a network are also disclosed.
    Type: Application
    Filed: April 20, 2023
    Publication date: October 24, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventors: Rajneesh KUMAR, William WALKER, Bashar ABOUSEIDO
  • Patent number: 12124599
    Abstract: A method includes storing a test database of tests and corresponding test rules, storing a user information database, storing a profile database, and storing a threshold database including thresholds corresponding to test scores and similarity scores. The method includes, in response to receiving interaction parameters of an interaction performed by a user, identifying a set of tests based on the interaction parameters. The method includes, for each of the set of tests: calculating a score using user data of the user, corresponding test rules, and the interaction parameters; adjusting the score based on the user's profile; obtaining a threshold corresponding to the identified test; and, in response to the score exceeding the threshold, categorizing the interaction within a first category. The method also includes generating and transmitting an alert in response to the interaction being categorized within the first category.
    Type: Grant
    Filed: September 21, 2023
    Date of Patent: October 22, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Randal Scott Howell, Eric John Hains, Justin Wayne Webster
  • Publication number: 20240338703
    Abstract: A system, apparatus, method, and non-transitory computer readable medium for performing co-trading changepoint detection may include a server caused to, receive a transaction dataset, the transaction dataset including a plurality of transactions for analysis, each transaction of the plurality of transactions associated with a user account involved in the transaction, a transaction object involved in the transaction, and transaction timestamp information corresponding to a time of occurrence of the transaction, the user account being one of a plurality of user accounts, generate a first network graph based on the transaction dataset, the first network graph including object nodes and user account nodes representing each of the transactions of the transaction dataset, transform the first network graph into at least one time-dependent transformed graph, and generate at least one potential fraud alert based on results of the network analysis.
    Type: Application
    Filed: April 10, 2023
    Publication date: October 10, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventors: Logan AHLSTROM, Jeff FREISTHLER
  • Publication number: 20240330892
    Abstract: A system and method identifies a score for a user using the user's response to questions from a number of different financial and other-than-financial planning dimensions.
    Type: Application
    Filed: June 10, 2024
    Publication date: October 3, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Mark RIEPE, Mark JAMISON
  • Publication number: 20240330382
    Abstract: A recommendation system includes a content similarity analyzer configured to determine a first set of content item identifiers similar to a set of viewed content items based on respective similarity scores and add them to a first list. A similar user content extraction module identifies a set of similar user identifiers from a user similarity database; obtains, based on respective viewing histories of the set, a second set of content item identifiers; and adds them to the first list. The recommendation system includes a content filter configured to select a subset of content item identifiers from the first list based on the corresponding similarity scores between content item identifiers of the first list and a viewing history. The content filter is configured to transmit the subset of content item identifiers for display of the corresponding content items via a web portal on a user interface of a first user device.
    Type: Application
    Filed: June 12, 2024
    Publication date: October 3, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Logan Sommers AHLSTROM, Ravindra Reddy TAPPETA VENKATA, Sean Ming-Yin LAW, Joseph Clark WALSTON, Raviteja LOKINENI, Dayanand NARREGUDEM
  • Publication number: 20240311912
    Abstract: A system and method graphically displays and receives order status and allows order status to be replayed in time.
    Type: Application
    Filed: May 24, 2024
    Publication date: September 19, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Konstantinos P. KONSTANTINIDES, Martin P. WRIGHT, Eliel R. JOHNSON
  • Publication number: 20240311916
    Abstract: A system includes a processor and a memory. The memory stores a parameter database including parameters for entities and instructions for execution by the processor. The instructions include, in response to receiving a request control signal including a scaling factor from a user device, obtaining a set of actions and a corresponding equivalence value for each action from the parameter database. The instructions include filtering the set of actions based on the corresponding equivalence value of the set of actions. The instructions include, for each action of the filtered set of actions, obtaining a set of parameters from the parameter database, computing a recommendation factor based on the set of parameters, and adding the corresponding action to a recommendation list in response to the recommendation factor being less than a threshold. The instructions include transforming an interface of the user device by rendering a graphical depiction of the recommendation list.
    Type: Application
    Filed: September 28, 2020
    Publication date: September 19, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventors: Harrison W. NAPPER, Chris Raymond JENNINGS
  • Publication number: 20240311914
    Abstract: A system and method operates a family of exchange traded funds or mutual funds with different weighted average maturities.
    Type: Application
    Filed: May 29, 2024
    Publication date: September 19, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Walter W. BETTINGER II, Marie A. CHANDOHA, Jonathan DE ST PAER
  • Publication number: 20240305624
    Abstract: An authentication system has instructions including, in response to receiving a page request, determining a page identifier based on the page request and comparing the page identifier to a set of pages. The instructions include, in response to the page identifier matching a first page of the set of pages, obtaining a first profile corresponding to the first page and retrieving the first page from a first website corresponding to the first page. The instructions include, based on the first page, generating a new page according to the first profile and transmitting the new page to the browsing device. The instructions include, in response to receiving a selection from the new page on the browsing device, forwarding login credentials of the first profile to the first website and, in response to receiving a return page from the first website, forwarding the return page to the browsing device for display.
    Type: Application
    Filed: September 14, 2020
    Publication date: September 12, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventor: John Scott KULA
  • Publication number: 20240305667
    Abstract: An authentication system includes an authentication module and a user history database storing order information that includes, for each of multiple logins of the first user to a web property, at least one of: an indication of an order of hypertext transfer protocol (HTTP) headers that were previously received at the authentication module during the login, and an indication of an order of navigator object properties that were previously returned to the authentication module during the login. The authentication module is configured to: receive, from a web browser of a first entity attempting to log in to the web property, credentials of the first user; determine order information of the first entity's web browser; perform a comparison operation based on the order information of the first user and that of the first entity, and determine whether to allow the first entity to log in based on the comparison operation.
    Type: Application
    Filed: May 21, 2024
    Publication date: September 12, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventor: John Scott KULA
  • Patent number: 12088575
    Abstract: A system and method allows a matching system to mediate requests for information among different computer systems without storing information that can be used to log into those computer systems.
    Type: Grant
    Filed: September 29, 2023
    Date of Patent: September 10, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventor: William Page
  • Patent number: 12071296
    Abstract: A computer server includes processor and memory hardware. The processor hardware executes instructions including parsing a hypertext transfer protocol (HTTP) request from a first user agent to identify a first data object matching a set of characteristics and generating a new data element based on the HTTP request. The instructions include, in response to the first data object being present: extracting a first set of serialized data elements and serializing them with the new data element to generate a second data object. The instructions include, in response to the first data object being absent and a user associated with the first user agent being identifiable: determining a second set of serialized data elements based on an identity of the user, and serializing them with the new data element to generate the second data object. The instructions include transmitting an HTTP response including the second data object.
    Type: Grant
    Filed: July 17, 2023
    Date of Patent: August 27, 2024
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Kevin Michael Wysocki, Michelle Schroeder
  • Patent number: 12045839
    Abstract: A system and method reduces or minimizes the number of characteristic values required to evaluate a rule by selecting elements of the rule in an order most likely to allow evaluation of the rule without requiring evaluation of other elements of the rule. The selection may be a function of one or both of the structure of the rule and the probability that an element will resolve to a particular value of true or false.
    Type: Grant
    Filed: August 20, 2021
    Date of Patent: July 23, 2024
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Anshuman Mishra, Charles E. Gotlieb
  • Patent number: 12033129
    Abstract: A system and method identifies a score for a user using the user's response to questions from a number of different financial and other-than-financial planning dimensions.
    Type: Grant
    Filed: July 19, 2022
    Date of Patent: July 9, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Mark Riepe, Mark Jamison
  • Patent number: 12032813
    Abstract: A system and method animates bar graphs into roll graphs and roll graphs into bar graphs for securities analysis and trading.
    Type: Grant
    Filed: August 27, 2020
    Date of Patent: July 9, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Saurabh Singhal, Charles E. Gotlieb
  • Publication number: 20240223522
    Abstract: A method of operating a proxy module connected in between a third-party scheduling service and a mail server in a communications network includes receiving, at the proxy module, a request to access a resource of a first agent. The method includes generating a first determination results by determining whether a request type of the received request is an allowed request type. The method includes generating a second determination result by determining whether the first agent is an allowed agent. The method includes, based on the first and second determination results, formatting the received request in accordance with a format associated with the mail server and providing the formatted request to the mail server.
    Type: Application
    Filed: January 16, 2024
    Publication date: July 4, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Richard Alan ADAMS, Ronald Glenn MARTEL, JR., Daniel SASS, Glenn A. ROSE
  • Patent number: 12026775
    Abstract: A system and method graphically displays and receives order status and allows order status to be replayed in time.
    Type: Grant
    Filed: January 4, 2022
    Date of Patent: July 2, 2024
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Konstantinos P. Konstantinides, Martin P. Wright, Eliel R. Johnson
  • Patent number: 12026210
    Abstract: A recommendation system includes a content similarity analyzer configured to determine a first set of content item identifiers similar to a set of viewed content items based on respective similarity scores and add them to a first list. A similar user content extraction module identifies a set of similar user identifiers from a user similarity database; obtains, based on respective viewing histories of the set, a second set of content item identifiers; and adds them to the first list. The recommendation system includes a content filter configured to select a subset of content item identifiers from the first list based on the corresponding similarity scores between content item identifiers of the first list and a viewing history. The content filter is configured to transmit the subset of content item identifiers for display of the corresponding content items via a web portal on a user interface of a first user device.
    Type: Grant
    Filed: November 29, 2022
    Date of Patent: July 2, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Logan Sommers Ahlstrom, Ravindra Reddy Tappeta Venkata, Sean Ming-Yin Law, Joseph Clark Walston, Raviteja Lokineni, Dayanand Narregudem
  • Patent number: 12026774
    Abstract: A system and method operates a family of exchange traded funds or mutual funds with different weighted average maturities.
    Type: Grant
    Filed: October 19, 2021
    Date of Patent: July 2, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Walter W. Bettinger, II, Marie A. Chandoha, Jonathan De St Paer