Patents Examined by Bijendra K Shrestha
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Patent number: 11775978Abstract: Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.Type: GrantFiled: May 19, 2021Date of Patent: October 3, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Michael Chang, John Chuprevich, Kevin R. Cieslak, Christopher P. Clausen, Jeffrey A. Cornman, Samuel Downing, Bryan Hall, Julio Jiron, Bryan Kroll, Samuel Martin, Traci Nguyen, Virginia Randle, Priyamvada Singh, Darrell L. Suen, Kenneth L. Wright
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Patent number: 11776058Abstract: A method comprising creating and storing, in computer memory, a financial graph having nodes and edges, wherein the nodes include first nodes representing assets and second nodes representing 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; obtaining, from an asset custodian data source, asset transaction data associated with one or more of the assets represented by the first nodes of the financial graph; transforming the asset transaction data into one or more stored transaction objects, wherein each transaction object is associated with a plurality of transaction effect objects; wherein each of the plurality of transaction effect objects is associated with a particular edge in the financial graph and represents one of a credit to an account type associated with the particular edge and a debit from an account type associated with the particular edge.Type: GrantFiled: September 10, 2021Date of Patent: October 3, 2023Assignee: Addepar, Inc.Inventors: Daniel Posch, Jason Mirra, Miroslav Kukla
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Patent number: 11769201Abstract: In various aspects, a computer receives bond market information in digital form via a network cloud from various combinations of a trading computer of an electronic trading platform and an information computer of an information source and the computer then transforms the bond market information into a bond market analysis. Accordingly, the bond market information, which is generally disorganized digital information existing on various combinations of the trading computer and the information computer, is transmitted to the computer via the network cloud and then transformed by the computer into an organized bond market analysis, which is also in digital form, and which may be displayed in various ways. The computer may automatically generate order information in digital form in response to the bond market analysis and the computer may communicate the order via the network cloud to the trading computer for execution.Type: GrantFiled: September 28, 2021Date of Patent: September 26, 2023Inventor: Robert J. Smith
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Patent number: 11769200Abstract: Systems and methods are provided for assessing an account takeover risk for one or more accounts of an individual. The account security procedures for each of a number of services with which the user has an account may be analyzed. Publicly accessible information regarding the user may also be collected and analyzed. The collected information and security procedures may be compared in order to determine one or more vulnerabilities to hostile account takeover of one or more of the analyzed accounts. An alert may be generated regarding a determined takeover risk, which may include suggested actions for remedying the risk.Type: GrantFiled: July 20, 2021Date of Patent: September 26, 2023Assignee: ConsumerInfo.com, Inc.Inventors: Mark Joseph Kapczynski, Michael John Dean, Herbert Harris Hunt, III
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Patent number: 11763392Abstract: Techniques for gamifying risk management services include associating a financial status of a user with a defensible position display element in a gameplay scenario, receiving risk management data regarding at least one risk management service secured by the user, associating the risk management service with at least one defensive display element in the gameplay scenario, and providing the defensible position display element and each defensive display element to a display to cause the display to visualize the defensible position display element protected by each defensive display element in the gameplay scenario.Type: GrantFiled: June 24, 2021Date of Patent: September 19, 2023Assignee: United Services Automobile Association (“USAA”)Inventors: Shane C. Osborne, Jaime Fernandez, Jr.
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Patent number: 11763387Abstract: The system and methodology of the present invention operate, in one embodiment, to provide a set of cloud-based applications through which creators, initial investors and secondary investors can all interact so that content catalogs can be valued, initially invested in and traded on a secondary basis. As a result, content creators can source valuable capital for growth and expansion as well as other purposes. Separately, the system and methodologies of the present invention provide the unique opportunity for investors to invest in an interesting asset class which is diverse from other typical investment vehicles. The ability to rely on automated valuations at the time of the initial offering as well as the liquidity provided via secondary trading enhances the desirability of the content catalog asset class as well as the revenue streams associated therewith.Type: GrantFiled: February 3, 2023Date of Patent: September 19, 2023Assignee: Sharematter Inc.Inventors: Georges Ayoub, Zeid Ayoub
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Patent number: 11748742Abstract: The present invention relates to the provision of an information processing device that can smoothly perform the migration of a system. An information processing device includes a processing unit including a first function of executing processing that uses service information stored in a recording medium, and a second function of executing processing that uses identification information regarding a service that is stored in a recording medium, and a determination unit configured to determine processing to be executed by the processing unit, on the basis of a request from an external device. In the information processing device, the processing unit executes processing determined on the basis of the request, and the first function is invalidated on the basis of an invalidation request from an external device.Type: GrantFiled: December 28, 2018Date of Patent: September 5, 2023Assignee: SONY CORPORATIONInventors: Yuhu Wang, Shino Ogasahara, Tsutomu Nakatsuru
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Patent number: 11748720Abstract: At least one computer-readable medium on which are stored instructions that, when executed by one or more processing devices, enable the one or more processing devices to perform a method. The method includes the steps of receiving over a network a request from an employing entity to facilitate an automatic savings program including savings accounts for employees of the employing entity, receiving over the network a request from an employee to participate in the automatic savings program, automatically routing at predetermined time intervals an employee-selected amount of the employee's wages to a savings account of the employee, receiving at least one request over the network from the employee to transfer funds from the savings account of the employee to an employee-designated destination, and initiating the requested fund transfer.Type: GrantFiled: December 14, 2021Date of Patent: September 5, 2023Assignee: SECURE, INC.Inventors: Devin Miller, Bassam Saliba, Zachary Scott Shannon, Elaine Gilbert Levey, Gopal Annasundaram
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Patent number: 11748808Abstract: A method and system for order management that allows access to additional pools of liquidity is described. Other embodiments are also described.Type: GrantFiled: July 8, 2021Date of Patent: September 5, 2023Assignee: CFPH, LLCInventors: Howard W. Lutnick, Dean P. Alderucci, Andrew Fishkind, Brian L. Gay, Kevin Foley, Mark Miller, Charles Plott
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Patent number: 11748809Abstract: A non-transitory computer-readable recording medium stores a trading program for causing a computer to execute a process including: acquiring a number of sell orders for each of sell limits and a number of buy orders for each of buy limits; executing one of pairings of one of the sell orders and one of the buy orders in which one of the sell limits of the one of the sell orders is equal to or lower than one of the buy limits of the one of the buy orders, among the pairings of the sell orders and the buy orders, based on the acquired number of the sell orders for each of the sell limits and the acquired number of the buy orders for each of the buy limits; and resolving an execution price for each of executions.Type: GrantFiled: August 24, 2021Date of Patent: September 5, 2023Assignee: FUJITSU LIMITEDInventors: Toshihiro Shimizu, Akihito Nakamura, Motohiro Kosaki, Akihiro Kuwabara
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Patent number: 11741547Abstract: A computer implemented of evaluating market participants' stock portfolios and distributing actionable environmental, social and governance (ESG) stock data over a network to multiple remote market participant terminals allowing market participants to easily rebalance their portfolios so that their investments align with their personal values or social tolerances. The method comprises receiving from multiple sources non-standardized electronic ESG data for a plurality of securities, mapping, scaling and normalizing the data to present a final impact score that the market participant can act upon.Type: GrantFiled: March 17, 2021Date of Patent: August 29, 2023Assignee: INTERACTIVE BROKERS LLCInventors: William Peterffy, Emerito Medalla, Sanjoy Ghosh, Yatharth Manuja, Konstantine Smaguine, Yakov Gorodnitsky
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Patent number: 11741546Abstract: A system includes a network interface circuit configured to facilitate data transmission over a network, and a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to receive a first analyst tracking information from a first analyst device configured to access resources related to a security, receive a second analyst tracking information from a second analyst device configured to access resources related to the security, receive a first analyst feedback response from the first analyst device, receive a second analyst feedback response from the second analyst device, and generate an integrated data synopsis based on the first analyst tracking information data set, the second analyst tracking information data set, the first analyst feedback response, and the second analyst feedback response, wherein the integrated data synopsis includes an integrated analyst rating score for the security.Type: GrantFiled: January 22, 2021Date of Patent: August 29, 2023Assignee: Wells Fargo Bank N.A.Inventors: Jennifer Blaha, Manjunath Boraiah, Joshua T. Demetry, Brian J. Jacobsen, Randy Mangelsen, Ann M. Miletti, Chris Rosato, Noah Wise
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Patent number: 11741473Abstract: In response to a request for risk assessment of a person-to-person (P2P) payment transaction, a risk assessment system returns a payer risk score, a payee risk score and a joint/fusion risk score. Risk scores are based on large amounts of data (including transaction data) provided by multiple financial institutions. The data is sorted and linked to individual people (e.g., common account holders), and assembled by a profile system into payee, payer and joint profiles for purposes of risk evaluation. A database associated with a profile system separately stores the profiles (and associated risk scores). Risk scores (payer, payee and joint) are provided for a transaction in response to a payer ID, a payee ID and transaction data.Type: GrantFiled: July 29, 2020Date of Patent: August 29, 2023Assignee: Early Warning Services, LLCInventors: David W. Barnhardt, Anthony J. Selway
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Patent number: 11734765Abstract: A computer-based apparatus for managing data based on performance of an underlying securities index including a memory element of a computer configured to store computer executable instructions and a processor for the computer, configured to execute the computer readable instructions to receive information on a lower buffer threshold against losses for an investment, and determine a total return on the investment during an outcome period o, wherein the total return is adjusted to fall above the buffer threshold.Type: GrantFiled: April 14, 2022Date of Patent: August 22, 2023Assignee: Innovator Capital Management, LLCInventors: H. Bruce Bond, John Wilder Southard, Jr., Graham Alexander Day
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Patent number: 11734659Abstract: Provided herein are methods and systems for a bill payment platform that enables consumers to make bill payments using simplified methods of communication, such as by using text messages or short messaging service (SMS) messages and the like, through message interfaces provided by the bill payment platform, which may include components for context-based notification, intelligent message interpretation, and regulatory compliance.Type: GrantFiled: October 8, 2021Date of Patent: August 22, 2023Assignee: Pay2Day Solutions, Inc.Inventor: Christopher J. Brunner
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Patent number: 11734693Abstract: Technologies for preprocessing transaction authorization records for clearing data batch file generation include a settlement processing server. The settlement processing server receives transaction authorization records corresponding to authorized transactions. The transaction authorization records are appended to an initial authorization stream. The initial authorization stream is closed and the transaction authorization records appended thereto are split into substreams. The settlement processing server preprocesses the transaction authorization records in each of the substreams. While the transaction authorization records appended to the substreams are preprocessed, the settlement processing server initializes another authorization stream and appends newly received transaction authorization records thereto. A clearing data batch file is generated based at least in part on the transaction authorization records appended to each of the substreams. Other embodiments are described and claimed.Type: GrantFiled: June 15, 2021Date of Patent: August 22, 2023Assignee: Worldpay, LLCInventors: Christopher M. Beatty, Erik William Baar
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Patent number: 11727490Abstract: An embodiment relates to a system comprising: a processor, a memory, and a database; wherein the processor configured to: receive a real-time data along with a real-time performance of the athlete; determine a recommendation, using a machine learning model comprising artificial intelligence of a recommendation engine, to a user of a stock of the athlete for a future period; determine, a stock price associated with the stock of the athlete in real-time based on a computation metric comprising the real-time performance of the athlete in the game and the historical performance of the athlete, wherein the stock price of the athlete is computed using a blockchain technology; wherein the blockchain technology is configured to facilitate at least one of a creation of transaction of the stock; and wherein a cyber security module is configured for providing security to the system.Type: GrantFiled: September 24, 2022Date of Patent: August 15, 2023Inventor: Aryan Thakker
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Patent number: 11727485Abstract: A data distribution system and method are described herein to improve the distribution of market information to subscribing client devices. Market information updates are provided to subscribing devices over a communication link every time a change in the market occurs. If a bandwidth limitation is reached on the communication link, the preferred embodiments switch to a second mode of transmission such that the market information updates are provided only at predetermined intervals. The preferred embodiment monitors the bandwidth consumption to determine what mode of transmission to apply, and in response, it can dynamically change between modes of transmission. By dynamically adjusting the mode of transmission to comport with the current network bandwidth, the preferred embodiments may provide a network friendly, data intensive, and fast response market information feed.Type: GrantFiled: February 25, 2021Date of Patent: August 15, 2023Assignee: Trading Technologies International, Inc.Inventor: Ryan N. Andrews
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Patent number: 11720866Abstract: A method for transferring funds to a second electronic computing device includes establishing a first pre-paid payment account on a first electronic computing device. The first pre-paid payment account is used to establish one or more second pre-paid payment accounts. The one or more second pre-paid payment accounts have a value that is less than or equal to the first pre-paid payment account. A first account identifier is obtained for one of the second pre-paid payment accounts. The first account identifier is sent to the second electronic computing device. The sending of the first account identifier to the second electronic computing device results in a transfer of ownership of the one more second pre-paid accounts from a first user at the first electronic computing device to a second user at the second electronic computing device.Type: GrantFiled: March 29, 2021Date of Patent: August 8, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Thomas B. Hayes
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Patent number: 11720958Abstract: Systems and methods relating to determining an address of a user by device location prior to sending a replacement card, the method being performed by a card management computing system associated with a card management entity. The method includes determining a location of a mobile device associated with a user via geolocation monitoring of the mobile device. The method further includes determining that a card associated with the user needs to be replaced. Upon determining that the card needs to be replaced, the method further includes determining an address for the user based on the geolocation monitoring. The method further includes sending instructions indicating a replacement card should be mailed to the determined address.Type: GrantFiled: May 3, 2021Date of Patent: August 8, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Jesse F. Lee, Ish Kumar Malhotra, Steven E. Puffer, Katherine M. Yee