Patents Examined by Frantzy Poinvil
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Patent number: 11200620Abstract: Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.Type: GrantFiled: May 3, 2018Date of Patent: December 14, 2021Assignee: CONSUMERINFO.COM, INC.Inventors: Michael John Dean, Mark Joseph Kapczynski
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Patent number: 11195191Abstract: There is provided a method of generating on a computer a prioritized listing of customers. The method includes establishing a data communications link to a database including financial payment information related to a financial transaction of an existing vehicle of each customer. The method includes retrieving an existing payment amount based upon the financial payment information. The method includes calculating a new payment amount. The method further includes deriving a payment difference score based upon a difference between the existing payment amount and the new payment amount. The method includes determining a behavior factor. The method includes deriving on a computer a behavior score based upon the behavior factor. The method includes determining a purchase behavior prediction score based upon the payment difference score and the behavior score. The method further includes ranking each customer based upon the determined purchase behavior prediction score.Type: GrantFiled: February 6, 2019Date of Patent: December 7, 2021Assignee: AUTOMOTIVEMASTERMIND, INC.Inventors: Marco G Schnabl, Johannes Gnauck
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Patent number: 11182855Abstract: Provided is a customer facing risk ratio for trading desks that deal primarily in derivatives in order to determine conformance with government regulations as it relates to financial entities. The customer facing risk ratio is a metric that measures customer facing risk exposure for trading desks of the financial entity. The metric may be utilized to determine conformance to various regulations as it relates to derivative transactions. The customer facing risk ratio may be utilized to measure the proportion of customer facing risk exposure compared to the total risk exposure for each trading desk of a financial entity.Type: GrantFiled: December 2, 2019Date of Patent: November 23, 2021Assignee: WELLS FARGO BANK, N.A.Inventor: Jordan D. Vardon
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Patent number: 11176586Abstract: A personalized data analysis method is provided, so as to find features having discrimination capability from target analysis items. In particular, a data analysis method includes: acquiring sample data; selecting discriminative features of the sample data; determining, for a target analysis item, whether it has a discriminative feature; and correlating the target analysis item with the discriminative feature in response to having the discriminative feature.Type: GrantFiled: September 26, 2013Date of Patent: November 16, 2021Assignee: International Business Machines CorporationInventors: Shiwan Zhao, Xian Wu, Quan Yuan
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Patent number: 11170440Abstract: Apparatus for stimulating trading in a limited-liquidity financial instrument are provided. One the method may include receiving a trade of liquidity for the limited-liquidity financial instrument. The receiving may include receiving a first order. The first order may correspond to a price and volume associated with a pre-determined bid-offer spread. The order may be executable only in conjunction with a counterorder that trades with the first order and includes a commitment to make a two-way market in the financial instrument at the predetermined bid-offer spread. In certain embodiments, when the first order is received from a first entity and the counterorder is received from a second entity, the method may also include receiving a bid price and an offer price from a second entity. The method may also include receiving an instruction from the first entity to select one of the bid and the offer and to execute a trade therewith.Type: GrantFiled: February 11, 2019Date of Patent: November 9, 2021Assignee: GFI Group Inc.Inventors: Francesco Cicero, Simon Prest
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Patent number: 11164178Abstract: A system and method for adding a virtual credit account to a mobile device is disclosed. The system receives a contact information for a customer at a store's electronic device, the contact information comprising: at least one of a device identifier (ID) and a user ID, the contact information being part of a request for a pre-existing credit account to be added to the customer's mobile device. An access to an account lookup/verification for the pre-existing credit account is provided to the customer's mobile device, the access generate an out-of-band verification. the request for the pre-existing credit account to be added to the customer's mobile device in conjunction with the out-of-band verification is provided by the customer's mobile device. The pre-existing credit account is then added to the customer's mobile device in a digital format allowing the customer to make a purchase.Type: GrantFiled: December 10, 2019Date of Patent: November 2, 2021Assignee: Comenity LLCInventors: Chris Anderson, Jess Lawrence, Manoj Ram Tammina
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Patent number: 11151665Abstract: Systems and methods for facilitating participative support among users are disclosed. The users may include content-providing users that provide user-provided content to other users. Exemplary implementations may: obtain items of user-provided content; effectuate presentations of the items of user-provided content through user interfaces to the users; receive revenue information from the users, wherein the revenue information represents received revenue for the content-providing users, including a participative-support exchange between a second user and the content-providing user of an amount of a currency being exchanged for a portion of particular (future) revenue received by the content-providing user; determine the particular revenue for the content-providing user, based on the received revenue information; determine and distribute the portion of the particular revenue to the second user, in accordance with the participative-support exchange.Type: GrantFiled: February 26, 2021Date of Patent: October 19, 2021Assignee: HEIR APPARENT, INC.Inventors: Summer Watson, Lynette Perkins
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Patent number: 11144919Abstract: Provided are computer-implemented methods for guaranteeing a payment authorization response. Computer-implemented methods may include determining that a payment authorization response message for a payment transaction was not received from a transaction service provider system within a predetermined period of time after a payment authorization request message for the payment transaction was transmitted to the transaction service provider system; generating a supplemental payment authorization request message for the payment transaction based on the payment authorization request message; determining that the payment transaction is authorized based on a quantitative risk score associated with the supplemental payment authorization request message and an insurer rate associated with the supplemental payment authorization request message; and transmitting a supplemental payment authorization response message to a merchant system based on determining that the payment transaction is authorized.Type: GrantFiled: October 17, 2019Date of Patent: October 12, 2021Assignee: Visa International Service AssociationInventors: Gurpreet Singh Bhasin, Biju Abraham
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Patent number: 11138586Abstract: The present invention provides a system as a computer server platform and application programming software installed in primary devices of users for exchanging and trading digital asset securely and anonymously between two users of the system where said digital asset is registered under a device account of a primary device of a user with the system using a unique device account name. The present invention respects “privacy by design” in GDPR by using device account based-on anonymized data instead of personal account based-on personal data of prior art to ensure the system does not collect, store and process users' personal data in the course of device accounts' set-up and transactions of digital assets.Type: GrantFiled: March 23, 2020Date of Patent: October 5, 2021Assignee: DAXCHAIN LIMITEDInventors: Maggie Phan, Anthony Phan
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Patent number: 11138576Abstract: A method for minimizing inter-bank settlement through incremental updates stored via blockchains includes storing three blockchains: a balance blockchain updated periodically that includes an available balance for a plurality of blockchain wallets, a credit blockchain that includes credits made to a blockchain wallet, and a debit blockchain that includes payments made from the blockchain wallet. Holds are placed on related transaction accounts to enable the blockchain wallets to utilize payments made thereto without the need for a transaction account, where the holds are only updated when necessary based on periodic updates to the balance blockchain, thus minimizing settlements performed by the issuing institutions, thus reducing inter-bank settlements and enabling payees to receive payments from a transaction account without their own.Type: GrantFiled: November 25, 2019Date of Patent: October 5, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur Arora, Aditya Koduri, Shubhangi Sengar
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Patent number: 11138595Abstract: A method for maintaining transaction integrity for transactions performed over a public network includes: receiving a transaction message corresponding to an original transaction, the transaction message including a unique, client-assigned, first identifier; in response to receiving the transaction message, assigning a unique, second identifier to the original transaction; generating a request to process the original transaction including at least a portion of the transaction message and the second identifier; transmitting the request to an issuer server to process the original transaction; receiving a first response from the issuer server in connection with the original transaction; in response to the first response, generating a second response corresponding to the original transaction including the first identifier and the second identifier; and transmitting the second response to the client.Type: GrantFiled: May 30, 2017Date of Patent: October 5, 2021Assignee: Visa International Service AssociationInventors: Libby A. Kurien, Glenn Powell, Murali Krishnan Sreenivasan, Anand Pandya, Bishenjit Paul Choudhury, David Tseselsky, Galileo Olmos
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Patent number: 11132686Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.Type: GrantFiled: May 17, 2016Date of Patent: September 28, 2021Assignee: Visa International Service AssociationInventors: Brad Nightengale, Karl Newland, Kevin Siegel, Zhongxiao Jiang, Sharon Rowberry
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Patent number: 11120512Abstract: A method and system for generation of a customized financial document template in a financial management system, according to one embodiment. The method and system includes receiving a financial document that includes a plurality of data entries, according to one embodiment. The method and system includes mapping the plurality of data entries to a plurality of data fields of the financial management system, according to one embodiment. Mapping the plurality of data entries includes identifying characteristics of each of the plurality of data entries, and determining a relevance of the plurality of the data fields to the plurality of the data entries, at least partially based on the characteristics of the plurality of data entries, according to one embodiment. The method and system includes populating a custom financial document template, at least partially based on the mapping of the plurality of data entries to the plurality of data fields.Type: GrantFiled: December 28, 2017Date of Patent: September 14, 2021Assignee: Intuit Inc.Inventors: Bala Dutt, Rahul Vankudothu, Prabhat Hegde, Anurag Tyagi, Sunil Tandra Sishtla, Sandeep Gupta
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Patent number: 11120435Abstract: Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s).Type: GrantFiled: April 9, 2021Date of Patent: September 14, 2021Assignee: Intercontinental Exchange Holdings, Inc.Inventor: Jerry Perullo
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Patent number: 11113740Abstract: A system comprising a computer-readable storage medium storing at least one program, and a computer-implemented method for enhancing and personalizing an interactive marketplace. The method may include receiving one or more images depicting one or more products owned by a user and identifying the one or more products based on a comparison of the one or more images to a product database. The method may further include determining a market value for each of the one or more products. In response to determining the market value of at least one product exceeds a predefined threshold value, an alert is transmitted to a computing device of the user.Type: GrantFiled: November 2, 2017Date of Patent: September 7, 2021Assignee: eBay Inc.Inventors: Michael George Lenahan, Ben Lucas Mitchell, Chahn Chung, Myra Sandoval, Timothy Sean Suglian, Matthew Bret MacLaurin, James Ross Skorupski, Jesse Wolfe, Hsin-Yi Chien, Marie Jeanette Floyd Tahir, Jai Dandekar, Healey Cypher
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Patent number: 11113686Abstract: A computer-implemented method includes receiving a request for a financial transaction between a mobile wallet of a user and a merchant; generating a displayable and scannable transaction code; sending the transaction code to one of a mobile device or the merchant for the other of the mobile device and the merchant to scan to request a transfer of funds from the mobile wallet of the user to the merchant; generating a verification request to confirm the information included in a transfer request; receiving a verification response confirming the information included in the transfer request; and transferring funds to the merchant upon receiving the verification response.Type: GrantFiled: August 20, 2018Date of Patent: September 7, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
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Patent number: 11107076Abstract: The disclosed embodiments provide a system that verifies user access to accounts.Type: GrantFiled: March 13, 2018Date of Patent: August 31, 2021Assignee: INTUIT, INC.Inventor: Andrew B. Firstenberger
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Patent number: 11107163Abstract: A system for presenting operational data is disclosed. The system includes a storage element to store a plurality of insurance policies and a product designer module to: maintain an insurance product model that specifies possible configurations of insurance policy products associated with the plurality of insurance policies; obtain operational data pertaining to a set of existing insurance transactional data associated with the insurance policies; and present to be displayed: at least a portion of the insurance product model comprising a set of insurance product model elements and at least some of the operational data corresponding to the set of insurance product model elements.Type: GrantFiled: May 29, 2019Date of Patent: August 31, 2021Assignee: Guidewire Software, Inc.Inventors: Benjamin David Brantley, Diana Elizabeth Jaffe
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Patent number: 11107158Abstract: One embodiment of a system for automatically generating code for attributes includes a credit bureau data that store stores credit bureau convention information and an attribute generation system that communicates with the credit data store to detect rules associated with respective credit bureaus.Type: GrantFiled: March 18, 2019Date of Patent: August 31, 2021Assignee: Experian Information Solutions, Inc.Inventors: Hua Hu, Luz M. Torrez
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Patent number: 11107175Abstract: An approach is provided for performing ride-sharing functions based on joint motion using multiple sensor data. The approach, for example, involves retrieving a joint motion prediction indicating whether at least two devices are traveling in a same transportation vehicle. The joint motion prediction is computed based on sensor data collected from the at least two devices using at least one sensor type from among a plurality of sensor types. Each sensor type of the plurality of sensor types is associated with a respective joint motion classifier configured to compute a sensor-type joint motion prediction that is used for generating the joint motion prediction. The approach also involves initiating a ride-sharing function for respective users of the at least two devices based on the joint motion prediction.Type: GrantFiled: November 12, 2019Date of Patent: August 31, 2021Assignee: HERE Global B.V.Inventors: Silviu Zilberman, Herman Ravkin, Daniel Schmidt, Harel Primack, Natalia Skorokhod, Ofri Rom