Patents Assigned to Charles Schwab & Co., Inc.
  • Publication number: 20240146820
    Abstract: A method includes assigning unique symbols to pages of a website, respectively. The method includes obtaining page symbol sequences of browsing sessions, respectively. Each browsing session corresponds to a visitor of the website. For each browsing session, the page symbol sequence of the browsing session is a sequence of symbols that corresponds, respectively, to a sequence of pages of the website visited during the browsing session by the corresponding visitor. The method includes generating a master string including the page symbol sequences, generating a suffix array corresponding to the master string, and generating a longest common prefix (LCP) array corresponding to the suffix array. The method includes, based on the suffix array and LCP array, determining one or more most common n-step subsequences of pages (n is an integer greater than 1).
    Type: Application
    Filed: January 10, 2024
    Publication date: May 2, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Sean Ming-Yin LAW, Kenneth Edward ANGEL
  • Publication number: 20240143687
    Abstract: A system and method builds functions into a web page sourced by a primary server and that would otherwise report to a set of one or more other servers actions performed by users of the web page when they interact with its elements so that the interactions instead report to the user of the web page. The system and method then causes the browser to simulate such interactions with all such web page elements, thereby causing the functions to report the information that would have been sent to the other server, and an identifier of the other server.
    Type: Application
    Filed: December 20, 2023
    Publication date: May 2, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventor: Deem Luis BELOZERCO
  • Publication number: 20240143567
    Abstract: A system stores instructions including, in response to receiving user input, identifying a first event type and a first security identifier and obtaining a first set of event dates from the event database and, for each event date of the first set of event dates, obtaining a corresponding event value on the corresponding event date of the first security identifier. The instructions include, for a first day related to each event date of the first set of event dates: obtaining a corresponding value on the first day of the first security identifier, determining a corresponding difference value between the corresponding event value and the corresponding value, and storing the corresponding difference value in a set of difference values. The instructions include calculating an average difference on the first day using the set of difference values and displaying the average difference and an event indicator corresponding to the first event type.
    Type: Application
    Filed: January 11, 2024
    Publication date: May 2, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventor: John Scott KULA
  • Publication number: 20240134494
    Abstract: A system facilitates real-time user interactions in a virtual environment of a user application accessible by multiple computing devices. System instructions include receiving a set of defined topics including a defined topic from a first computing device of the computing devices. The instructions include receiving, from at least one of the computing devices, data representing machine-readable text converted from a verbal conversation between two or more users in the virtual environment. The instructions include identifying a set of topics from the data representing machine-readable text. The instructions include comparing the identified set of topics from the data representing machine-readable text to the set of defined topics. The instructions include, in response to detecting a match between a topic of the identified set of topics and the defined topic of the set of defined topics, transmitting, to the first computing device, a notification of the matching defined topic.
    Type: Application
    Filed: January 3, 2024
    Publication date: April 25, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Jeffrey Michael FREISTHLER, Justin Wayne WEBSTER, Christopher Nathan MELNICK, Bryan EDELMAN, Nathan Ralph HOGGE, Jacob Patrick SULLIVAN
  • Patent number: 11962553
    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: Grant
    Filed: September 28, 2020
    Date of Patent: April 16, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Richard Alan Adams, Ronald Glenn Martel, Jr., Daniel Sass, Glenn A. Rose
  • Publication number: 20240113913
    Abstract: A system, method and computer program product collects and provides for display operational status data in several levels of detail about multiple client computer systems.
    Type: Application
    Filed: November 30, 2023
    Publication date: April 4, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventor: Jonathan S. BARTH
  • Publication number: 20240111758
    Abstract: A computationally-efficient system for encoding a message object implements instructions including determining a token of the message object. The token identifies a structure of the message object. The instructions include obtaining a dictionary definition based on the token. The dictionary definition describes the structure of the message. The message includes multiple entries. Each of the entries is characterized by a data type and a field identifier. The dictionary definition defines an order of the entries. The instructions include, according to an order specified by the dictionary definition, selecting each entry of a set of entries in the message in sequence and writing the entry to a byte queue exclusive of the data type and the field identifier. The instructions include initiating transmission of the byte queue over a communications network.
    Type: Application
    Filed: December 12, 2023
    Publication date: April 4, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventor: Eric TESSE
  • Publication number: 20240095087
    Abstract: A system includes a processor and memory, storing asset identifiers. The asset identifiers correspond to (i) a respective index and (ii) a respective category. The memory stores instructions for execution by the processor. The instructions include, in response to receiving a request signal from a user device, obtaining a set of asset identifiers corresponding to a first index indicated in the request signal and filtering the set of asset identifiers based on a first category indicated in the request signal. The instructions include generating an adjusted set of asset identifiers by, for each category represented in the filtered set of asset identifiers, adjusting a representation ratio of the asset identifiers associated with the corresponding category in response to the request signal including the representation ratio associated with the corresponding category, and transforming an interface of the user device by rendering a graphical depiction of the adjusted set of asset identifiers.
    Type: Application
    Filed: November 30, 2023
    Publication date: March 21, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventors: Travis ROTHLISBERGER, Sohaib SAEED
  • Publication number: 20240078601
    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 first raw dataset, the first raw dataset including a plurality of transactions for analysis, each transaction of the plurality of transactions associated with a user account of a plurality of user accounts, generate at least one transaction time series based on the first raw dataset, determine changepoints in the first raw dataset by performing changepoint detection analysis on the generated at least one transaction time series, and generate at least one potential fraud alert based on the determined changepoints.
    Type: Application
    Filed: August 24, 2022
    Publication date: March 7, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventors: Sean Ming-Yin LAW, Kim CHEN
  • Patent number: 11924380
    Abstract: A method includes selecting a customer of a company; constructing a digital footprint of the selected customer. The method includes inputting the digital footprint to an artificial intelligence (AI) engine. The method includes obtaining one or more probability values from the AI engine based on the input digital footprint. The method includes selecting a call driver, from among a plurality of call drivers, as a predicted call driver. The method includes providing the predicted call driver to a call center associated with the company.
    Type: Grant
    Filed: August 16, 2022
    Date of Patent: March 5, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Nafiseh Saberian, Ravindra Reddy Tappeta Venkata, Stephen Filios, Logan Sommers Ahlstrom, Abhilash Krishnankutty Nair
  • Publication number: 20240073213
    Abstract: A system and method detects and handles replay attacks using counters maintained for each of several different periods for various values of IP addresses and browser description attributes encountered.
    Type: Application
    Filed: November 6, 2023
    Publication date: February 29, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventor: Steven HADLER
  • Patent number: 11917028
    Abstract: A method includes assigning unique symbols to pages of a website, respectively. The method includes obtaining page symbol sequences of browsing sessions, respectively. Each browsing session corresponds to a visitor of the website. For each browsing session, the page symbol sequence of the browsing session is a sequence of symbols that corresponds, respectively, to a sequence of pages of the website visited during the browsing session by the corresponding visitor. The method includes generating a master string including the page symbol sequences, generating a suffix array corresponding to the master string, and generating a longest common prefix (LCP) array corresponding to the suffix array. The method includes, based on the suffix array and LCP array, determining one or more most common n-step subsequences of pages (n is an integer greater than 1).
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: February 27, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Sean Ming-Yin Law, Kenneth Edward Angel
  • Patent number: 11914576
    Abstract: A computationally-efficient object conversion system maintains multiple objects. Each object includes an array of characters and a hash value. Instructions include maintaining strings in a one-to-one relationship with the objects. The instructions include, for each object, calculating the hash value in response to values being written to the array of the object. The instructions include defining an equals method that, for first and second objects, returns a true value in response to values of the array of the first object matching values of the array of the second object. The instructions include defining a hash method that, for a selected object, returns the hash value. The instructions include, in response to a request including a request string, determining whether one of the strings is equal to the request string and, if so, returning the object related to the one of the strings.
    Type: Grant
    Filed: July 20, 2021
    Date of Patent: February 27, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventor: Eric Tesse
  • Patent number: 11907206
    Abstract: A memory management system implements instructions including maintaining multiple pool data structures, each associated with a linked list of objects and including a head pointer pointing to the first element in the linked list. The instructions include, in response to a first object no longer being needed, recycling the first object by identifying a first pool data structure that corresponds to the first object and inserting the first object into the linked list without deallocating the memory for the first object. The instructions include, in response to a new object request, identifying a second pool data structure according to a feature of the new object. If the corresponding linked list is empty, memory is allocated for the new object and the new object is assigned to the second pool data structure. If the linked list is not empty, the first object is removed from the linked list and returned.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: February 20, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventor: Eric Tesse
  • Patent number: 11907189
    Abstract: A system stores instructions including, in response to receiving user input, identifying a first event type and a first security identifier and obtaining a first set of event dates from the event database and, for each event date of the first set of event dates, obtaining a corresponding event value on the corresponding event date of the first security identifier. The instructions include, for a first day related to each event date of the first set of event dates: obtaining a corresponding value on the first day of the first security identifier, determining a corresponding difference value between the corresponding event value and the corresponding value, and storing the corresponding difference value in a set of difference values. The instructions include calculating an average difference on the first day using the set of difference values and displaying the average difference and an event indicator corresponding to the first event type.
    Type: Grant
    Filed: August 6, 2020
    Date of Patent: February 20, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventor: John Scott Kula
  • Publication number: 20240054151
    Abstract: A system includes instructions for execution by at least one processor, including, in response to an event, obtaining a first set of alerts stored in the alert database corresponding to a first scenario of a set of scenarios and selecting a first model of a set of models corresponding to the first scenario and identifying a first set of features stored in the features database corresponding to the first scenario. The instructions include, for each alert of the first set of alerts, identifying a first identifier included in the alert, retrieving the first set of features of the first identifier from the parameter database, determining a score using the first model based on the retrieved first set of features, and adding the alert and the score to a result list. The instructions include displaying, on a user device, the result list including the first set of alerts and corresponding scores.
    Type: Application
    Filed: October 24, 2023
    Publication date: February 15, 2024
    Applicant: Charles Schwab & Co., Inc
    Inventors: Stephen FILIOS, Logan Sommers AHLSTROM, Katie Marie DIGILIO, Ravindra Reddy TAPPETA VENKATA, Eric John HAINS
  • Patent number: 11899901
    Abstract: A system facilitates real-time user interactions in a virtual environment of a user application accessible by multiple computing devices. System instructions include receiving a set of defined topics including a defined topic from a first computing device of the computing devices. The instructions include receiving, from at least one of the computing devices, data representing machine-readable text converted from a verbal conversation between two or more users in the virtual environment. The instructions include identifying a set of topics from the data representing machine-readable text. The instructions include comparing the identified set of topics from the data representing machine-readable text to the set of defined topics. The instructions include, in response to detecting a match between a topic of the identified set of topics and the defined topic of the set of defined topics, transmitting, to the first computing device, a notification of the matching defined topic.
    Type: Grant
    Filed: July 19, 2021
    Date of Patent: February 13, 2024
    Assignee: Charles Schwab & Co., Inc.
    Inventors: Jeffrey Michael Freisthler, Justin Wayne Webster, Christopher Nathan Melnick, Bryan Edelman, Nathan Ralph Hogge, Jacob Patrick Sullivan
  • Patent number: 11899737
    Abstract: A system and method builds functions into a web page sourced by a primary server and that would otherwise report to a set of one or more other servers actions performed by users of the web page when they interact with its elements so that the interactions instead report to the user of the web page. The system and method then causes the browser to simulate such interactions with all such web page elements, thereby causing the functions to report the information that would have been sent to the other server, and an identifier of the other server.
    Type: Grant
    Filed: April 20, 2021
    Date of Patent: February 13, 2024
    Assignee: Charles Schwab & Co., Inc.
    Inventor: Deem Luis Belozerco
  • Publication number: 20240048546
    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: Application
    Filed: September 29, 2023
    Publication date: February 8, 2024
    Applicant: Charles Schwab & Co., Inc.
    Inventor: William PAGE
  • Patent number: 11886923
    Abstract: A system includes a processor and memory that stores asset identifiers. The asset identifiers correspond to a respective index and a respective category. The memory stores instructions for execution by the processor. The instructions include, in response to receiving a request signal from a user device, obtaining a set of asset identifiers corresponding to a first index indicated in the request signal and filtering the set of asset identifiers based on a first category indicated in the request signal. The instructions include generating an adjusted set of asset identifiers by, for each category represented in the filtered set of asset identifiers, adjusting a representation ratio of the asset identifiers associated with the corresponding category in response to the request signal including the representation ratio associated with the corresponding category, and transforming an interface of the user device by rendering a graphical depiction of the adjusted set of asset identifiers.
    Type: Grant
    Filed: November 22, 2020
    Date of Patent: January 30, 2024
    Assignee: CHARLES SCHWAB & CO., INC.
    Inventors: Travis Rothlisberger, Sohaib Saeed