Patents Examined by Hao Fu
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Patent number: 11978123Abstract: An example operation may include one or more of detecting, by a transport, a potential damage event, recording, by the transport, a first media file via at least one sensor on the transport, accessing, by the transport, a second media file on at least one other transport within a predefined distance of the transport, analyzing, by the transport, the first media file and the second media file to identify portions that correlate to the potential damage event, and determining an actual damage event has occurred based on the analysis.Type: GrantFiled: August 28, 2022Date of Patent: May 7, 2024Assignee: TOYOTA MOTOR NORTH AMERICA, INC.Inventors: Neil Dutta, Anil Nagpal
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Patent number: 11961065Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the wireless or near field communication (“NFC”) functionality of mobile devices and payment terminals for use in payment, loyalty, and offer and coupon transactions.Type: GrantFiled: April 20, 2021Date of Patent: April 16, 2024Assignee: PAYPAL, INC.Inventor: Kevin Laracey
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Patent number: 11948148Abstract: A method including receiving a request based on a sender initiating a funds transfer, wherein the funds transfer is for the sender to make a payment to a non-financial institution. The sender has a sender account at a sender financial institution. The method also can include obtaining sender identifying information from the sender. The method additionally can include sending at least a recipient public identifier and a payment amount for the payment to the sender financial institution to cause the sender financial institution to send a funds transfer request to a computer-implemented funds transfer network to initiate the payment from the sender account at the sender financial institution to a recipient account at a recipient financial institution. The funds transfer request does not include an account number of the recipient account. The computer-implemented funds transfer network is operated by an entity that is different from the recipient financial institution and the sender financial institution.Type: GrantFiled: March 13, 2023Date of Patent: April 2, 2024Assignee: EARLY WARNING SERVICES, LLCInventors: Clinton Gilliam, III, Melissa Lowry, Michael Joseph Kennedy, Sergei Lilichenko
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Patent number: 11941633Abstract: The disclosure describes an apparatus having programmed instructions that when executed cause the apparatus to receive, via a communication network, information regarding suspicious fraud activity at a first location involving a plurality of transaction cards; monitor changes over a first time interval to received information regarding suspicious fraud activity at the first location; and identify a point-of-compromise (POC) location based on monitored changes surpassing a threshold indicating suspicious fraud activity at the first location over the first time interval.Type: GrantFiled: October 28, 2020Date of Patent: March 26, 2024Assignee: U.S. Bancorp, National AssociationInventors: Christopher Kallas, Xiaoqiao Wei
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Patent number: 11935116Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.Type: GrantFiled: November 3, 2020Date of Patent: March 19, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Pankaj Parekh, Steve Perez, Keith Clithero, Daniel Sanford, Bill Wurz
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Patent number: 11928740Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.Type: GrantFiled: October 6, 2021Date of Patent: March 12, 2024Assignee: PROGRESSIVE CASUALTY INSURANCE COMPANYInventors: Richard Hutchinson, William Everett, David Pratt, Raymond Ling
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Patent number: 11861945Abstract: In certain embodiments, transaction data retrieval from a postage vendor system database may be facilitated (e.g., via label generation with multiple barcode representations of a portion of a postage tracking identifier, where the tracking identifier is generated based on a carrier-specific tracking identifier unique within a carrier system with respect to accounts recognized by the carrier system). In some embodiments, the tracking identifier may be generated such that (i) the tracking identifier comprises the carrier-specific tracking identifier and (ii) enables a mail piece associated with a postage transaction to be tracked within the carrier system, and the tracking identifier portion is allocated to the postage transaction in one or more databases of the vendor system. An indicium identifier may be generated to comprise the tracking identifier portion, thereby enabling the vendor system to identify the postage transaction using one of the two identifiers without the other one of the identifiers.Type: GrantFiled: July 14, 2020Date of Patent: January 2, 2024Assignees: PSI SYSTEMS, INC., STAMPS.COM INC.Inventor: Harry T. Whitehouse
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Patent number: 11854081Abstract: Systems and methods for transforming an electronic portfolio. A system includes an electronic crossing platform that receives data defining trade orders of the electronic portfolio during an initial time period; compares portions of the data to determine an imbalance of the trade orders remaining after the initial time period and receives, during a final time period, a final trade order from a fund agent device to offset the remaining imbalance. The platform receives, after the final time period, a benchmark value of the electronic portfolio from a fund device; compares the final trade order with the remaining imbalance to determine an adjustment value; converts the benchmark value to a final value by applying the adjustment value to the benchmark value; and transforms the electronic portfolio into the transformed portfolio by creating paired buy and sell orders among the trade orders received during the initial time period at the final value.Type: GrantFiled: March 29, 2023Date of Patent: December 26, 2023Assignee: NYSE Group, Inc.Inventors: Clifford Weber, Thomas Champion, Laura V. Morrison
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Patent number: 11847654Abstract: Methods, systems, and computer program products for learning continuous embedding space of real time payment (RTP) transactions are provided. A method may include receiving RTP data including a plurality of attributes, including a sender and a receiver. One attribute is selected as a target attribute. The remaining attributes are input into a first machine learning model (e.g., NLP model), comprising at least one embedding layer and one hidden layer, which is trained to predict the target attribute. After the model is trained, each of the remaining attributes are converted to a first vector using the at least one embedding layer of the machine learning model to form a first set of vectors. The first set of vectors are stored and subsequently input into a second machine learning model to perform at least one second task different than the first task.Type: GrantFiled: September 30, 2021Date of Patent: December 19, 2023Assignee: Visa International Service AssociationInventors: Shi Cao, Xiao Tian, Chiranjeet Chetia
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Patent number: 11803834Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.Type: GrantFiled: September 30, 2021Date of Patent: October 31, 2023Assignee: PAYPAL, INC.Inventor: Max Edward Metral
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Patent number: 11734691Abstract: A computer-implemented method uses a context node to identify sister nodes. The method includes receiving, by a processor, input data. The input data includes a plurality of messages, each message containing a set of message data. The method further includes, generating, by a pattern detector, and based on the input data, a network graph, where the network graph includes a plurality of nodes. The method also includes selecting a first context node. The method includes determining a first pattern for the first context node. The method further includes identifying, based on the first pattern, a first sister node. The method also includes outputting, by a network interface, the first sister node and the network graph.Type: GrantFiled: October 29, 2020Date of Patent: August 22, 2023Assignee: International Business Machines CorporationInventors: Srinivasan S. Muthuswamy, Subhendu Das
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Patent number: 11704736Abstract: Various examples are directed to providing portfolio management tools. For example, a system may generate a portfolio management user interface comprising a first table and a first rebalancing button. The first table may comprise an asset class name column; a model portfolio column indicating asset class weights in a model portfolio; a test portfolio column indicating asset class weights in a test portfolio; a modification column indicating modifications to asset class weights; a modified portfolio column indicating asset class weights in a modified portfolio; and a plurality of rows comprising a first row for a first asset class of the asset classes and a second row for a second asset class of the asset classes. The system may receive an indication that the user selected the rebalancing button and generate a first set of modifications to asset class weights to reduce a difference between the test portfolio and the model portfolio.Type: GrantFiled: May 14, 2021Date of Patent: July 18, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Justin Morris Krieger, Sae Lee, Zar John Toolan, Gaurav Bhagat, Sooyoung Moon Cho
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Patent number: 11688016Abstract: A system and method for processing and administering insurance policy premium discounts for mobile device disabling technology to promote safer driver is disclosed. An insurance policy premium discount is determined based on the level of disabling technology implemented by a user on a user's mobile device.Type: GrantFiled: April 6, 2021Date of Patent: June 27, 2023Assignee: Hartford Fire Insurance CompanyInventors: James A. Russo, Kelly J. McLaughlin, Lawrence J. Opena, Cindy S. DeLeón
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Patent number: 11661073Abstract: Embodiments may monitor operation of a machine and provide feedback to maintain use within certain parameters. Mobile personal communication device sensors are each configured to monitor at least one machine parameter (speed, acceleration, location, etc.), generate a signal encapsulating the monitored machine parameter, and transmit the generated sensor signals to a control unit of the communication device. The control unit may receive the generated sensor signals, store the received signals, and selectively combine the received signals. The communication device also includes a transmitter coupled to the control unit capable of transmitting the combined signal. A transceiver remote from the machine may determine a current machine condition and compare that condition to received conditions from other machines. Feedback may then be provided to adjust operation of the machine based on the comparison. For example, an operator interface may provide audio and/or visual feedback to the operator of a vehicle.Type: GrantFiled: August 23, 2018Date of Patent: May 30, 2023Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Henry Z. Kowal, Maureen King, Andrew J. Schneider, Scott A. Luc, David K. Hagen
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Patent number: 11663603Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: GrantFiled: September 4, 2019Date of Patent: May 30, 2023Assignee: The Toronto-Dominion BankInventors: Salim Jivraj, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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Patent number: 11663665Abstract: The disclosed embodiments generally relate to a slicer order quantity reduction tool. An example method for reducing a quantity of a slicer order includes calculating a collective quantity associated with available ones of a plurality of child orders; comparing the collective quantity and a reduction amount received in connection with a quantity reduction request for the slicer order; and determining, when the comparison indicates that the available ones of the child orders have insufficient quantity to meet the reduction amount, whether inflight ones of the plurality of child orders collectively have sufficient quantity to make up a shortfall of the available ones of the child orders.Type: GrantFiled: December 27, 2019Date of Patent: May 30, 2023Assignee: Trading Technologies International, Inc.Inventors: William Tigard Baker, Andrew Theodore Renalds, Iliar Mangutov
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Patent number: 11651431Abstract: Systems and methods for transforming an electronic portfolio. A system includes an electronic crossing platform that receives data defining trade orders of the electronic portfolio during an initial time period; compares portions of the data to determine an imbalance of the trade orders remaining after the initial time period and receives, during a final time period, a final trade order from a fund agent device to offset the remaining imbalance. The platform receives, after the final time period, a benchmark value of the electronic portfolio from a fund device; compares the final trade order with the remaining imbalance to determine an adjustment value; converts the benchmark value to a final value by applying the adjustment value to the benchmark value; and transforms the electronic portfolio into the transformed portfolio by creating paired buy and sell orders among the trade orders received during the initial time period at the final value.Type: GrantFiled: August 8, 2022Date of Patent: May 16, 2023Assignee: NYSE Group, Inc.Inventors: Clifford Weber, Thomas Champion, Laura V. Morrison
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Patent number: 11636547Abstract: An insurance server for using a tokenized icon to provide an insurance quote or submit an insurance claim may include a processor programmed to receive an image from a user application, and data associated with the image, wherein at least a portion of the obtained data is associated as metadata with the tokenized icon. The processor may instruct the user application to use an icon associated with the tokenized icon as a first graphical object, and to modify, in response to an association of the first graphical object with a second graphical object in the user application, the metadata of the tokenized icon based upon data associated with the second graphical object. The processor may transmit the virtual quote or proposed insurance claim to the user application, the virtual quote or proposed insurance claim being based upon the modified metadata. As a result, the online customer experience may be enhanced.Type: GrantFiled: November 22, 2019Date of Patent: April 25, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: Timothy Joel Davis
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Patent number: 11615476Abstract: The present technology relates to an information processing device, an information processing method, that facilitate comparisons between insurances. The information processing device includes an acquisition unit that acquires an output from one sensor or outputs from a plurality of sensors different from each other as behavior-monitoring data items of a user, and a diagnosis-result prediction unit that predicts a diagnosis result about one insurance or diagnosis results about a plurality of insurances for the user on the basis of a prediction model calculated in advance by learning for the one insurance or each of the plurality of insurances and on the basis of the behavior-monitoring data items. The present technology is applicable to comparison systems.Type: GrantFiled: December 8, 2017Date of Patent: March 28, 2023Assignee: SONY CORPORATIONInventors: Shingo Takamatsu, Naoki Ide, Akira Fukui, Yasufumi Tanaka
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Patent number: 11605077Abstract: A method including receiving a request based on a sender initiating a funds transfer. The funds transfer is for the sender to make a payment to a non-financial institution. The sender has a sender account at a sender financial institution. The method also can include obtaining sender identifying information from the sender. The method additionally can include sending at least (a) the sender identifying information, (b) a recipient public identifier, and (c) a payment amount for the payment to the sender financial institution to cause the sender financial institution to (i) determine a funds availability of the sender account to initiate the funds transfer for the payment amount and (ii) send a funds transfer request to a computer-implemented funds transfer network to initiate the payment from the sender account at the sender financial institution to a recipient account at a recipient financial institution. The funds transfer request can include the recipient public identifier and the payment amount.Type: GrantFiled: May 6, 2022Date of Patent: March 14, 2023Assignee: EARLY WARNING SERVICES, LLCInventors: Clinton Gilliam, III, Melissa Lowry, Michael Joseph Kennedy, Sergei Lilichenko