Accounting Patents (Class 705/30)
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Patent number: 11997508Abstract: A processing system may obtain usage volume information for endpoint devices for at least one cell site of a cellular network, determine at least one earning value of the at least one cell site based upon a summation of an earning metric of each of the endpoint devices for the at least one cell site, the earning metric comprising for each of the endpoint devices in a given time period: a total earning for the cellular network from the endpoint device times a ratio of the usage volume via the at least one cell site divided by the total usage volume via the cellular network, train a prediction model to predict an earning value of a new cell site, based upon geospatial features of the at least one cell site as predictor factors, and determine a predicted earning value of the new cell site via the prediction model.Type: GrantFiled: September 5, 2022Date of Patent: May 28, 2024Assignee: AT&T Intellect ual Property I, L.P.Inventors: Velin Kounev, Yaron Kanza, Arun Jotshi
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Patent number: 11995589Abstract: A system and method for processing requirements in an enterprise resource planning (ERP)/human resources information system (HRIS)/human capital management (HCM) are disclosed. The system comprises a computing device having a processor and a computer-readable medium to store a set of instructions executed by the processor, a database for storing a plurality of requirements from the documents or spreadsheets, and a user virtual machine device to perform different tasks across different modules of ERP/HRIS/HCM. The processor maps the configuration requirements to an ERP/HRIS/HCM instance and provides ability to configure, validate, compare against different environments/instances, and test at the speed, frequency, and precision provided the scale of complexity within configuration requirements and instances. Further, Robotic process automation (RPA) is configured to process the requirements in the ERP/HRIS/HCM systems for automation.Type: GrantFiled: March 3, 2023Date of Patent: May 28, 2024Assignee: Wolka Technologies, LLCInventor: Aly Boghani
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Patent number: 11983780Abstract: Disclosed is system that determines tax liability of entity. The system comprises server arrangement and database arrangement coupled in communication with server arrangement.Type: GrantFiled: August 6, 2019Date of Patent: May 14, 2024Assignee: EY GMBH & CO. KG WIRTSCHAFTSP ÜFUNGSGESELL SCHAFTInventors: Reinhard Dalz, Nikola Bubalo
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Patent number: 11981341Abstract: An example apparatus includes a profile manager to determine whether a user of a vehicle has a corresponding profile stored in memory based on a personalized vehicle key associated with the user, in response to determining that the profile for the user is not available, receive one or more inputs from the user via a display, the one or more inputs including a loading condition threshold and a corresponding response to exceeding the loading condition threshold, and generate the profile for the user based on the one more inputs from the user; and a vehicle feature modifier to modify a feature of the vehicle when a load condition of the vehicle satisfies the loading condition threshold to limit or disable operation of the vehicle based on the corresponding response to exceeding the loading condition threshold, the feature modified based upon the profile.Type: GrantFiled: June 25, 2021Date of Patent: May 14, 2024Assignee: Ford Global Technologies, LLCInventors: Andrew Niedert, Peter Simeon Lazarevski, Anton Rogness, Elliott Pearson, Joshua Rajasingh
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Patent number: 11983387Abstract: In some implementations, a system may receive interaction data indicating an interaction time and amount. The system may categorize the interaction in a category of a plurality of categories. For each category, the system may compare a total category amount with an average category amount. The system may determine, for each category, a proportion of the total category amount relative to a total account amount. The system may transmit, to a user device, user interface data associated with a ring-shaped user interface element that includes a plurality of segments corresponding to the plurality of categories. The user interface data indicates a width of a particular segment that is based on the comparison of the total category amount for a corresponding category with the average category amount, and an arc length that is based on the proportion of the total category amount for the corresponding category to the total account amount.Type: GrantFiled: March 14, 2023Date of Patent: May 14, 2024Assignee: Capital One Services, LLCInventors: Erik Jay Salazar De Leon, Thomas Dohan, II, Xiang Lan, Min Jung Kim, Vivian Wang, Jennifer L. Ellison
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Patent number: 11978025Abstract: A transfer request is received from a terminal, in which the transfer request carries a user identity (ID) of a first user, a user ID of a second user, and a virtual card ID of the first user; the virtual card is transferred from user account of first user to user account of second user, based on the user ID of the first user, the user ID of the second user and the virtual card ID; an image for transferring the virtual card is obtained; an image library of the virtual card is obtained; an image ID and the image are stored into the image library of the virtual card.Type: GrantFiled: March 30, 2021Date of Patent: May 7, 2024Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventors: Dacheng Zhuo, Wenrui Zhang, Meng Xiang, Jiandong Lin, Zhouwei Zhu
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Patent number: 11972439Abstract: A computer implemented application and system for providing accurate and remotely facilitated certifications of tenants eligible to participate in an affordable housing program, including federally funded and other government types affordable/low-income housing programs. The computer implemented application and system facilitates completion of all steps and elements required for multiple types of certifications, including move in certifications, interim certifications, transfer certifications, annual certifications, and move out certifications. The computer application facilitates remote certification to minimize the difficulties that have been experienced by tenants in providing documents, verifications, and correct answers to affordable housing program forms and questionnaires in person as well as any type a change occurs related to income, status, or household makeup about which the tenant has to notify the affordable/low-income housing program.Type: GrantFiled: September 6, 2022Date of Patent: April 30, 2024Inventor: Christyn Bowen
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Patent number: 11966921Abstract: Disclosed herein are systems and methods for a system for authorizing proxy number token requests. The system may comprise a memory storing instructions and at least one processor configured to execute instructions to perform operations. These operations may comprise receiving a first request to use a proxy number token to complete a first action associated with a first entity; authorizing the first request; receiving a second request to use the proxy number token to complete a second action associated with a second entity; determining a modifiable relationship data binding associated with the first and second entities, the modifiable relationship data binding comprising multiple parameters; determining that the second request satisfies the parameters; and authorizing the second request based on a determination that the second request satisfies the parameters.Type: GrantFiled: April 20, 2021Date of Patent: April 23, 2024Assignee: Capital One Services, LLCInventors: Allison Fenichel, Amanda Sneider, Niyati Shah
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Patent number: 11960499Abstract: A data processing method according to an embodiment acquires data including a plurality of records, divides the data based on external condition identification information such as a user ID to generate data sets Di for respective external conditions, divides each of the data sets Di based on label information indicating whether the record corresponds to a positive label indicating that a predetermined event has occurred or a negative label indicating that the predetermined event has not occurred to generate two data sets Di+ and Di? for the respective label information, generates difference data for a combination of a record included in one data set of the two data sets and a record included in the other data set, combines the generated difference data to generate integrated data Dnew, performs statistical analysis using Dnew, and outputs a result of performing the statistical analysis.Type: GrantFiled: January 18, 2019Date of Patent: April 16, 2024Assignee: NIPPON TELEGRAPH AND TELEPHONE CORPORATIONInventors: Manabu Yoshida, Miyuki Imada, Ippei Shake, Akinori Fujino, Hisashi Kurasawa
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Patent number: 11961148Abstract: Embodiments of the present methods and systems are directed to a system and method for managing and editing accounting periods. Particularly, the embodiments are directed to a financial management system that allows for the recordation of financial transactions without first requiring the creation of a user-defined accounting period, and that further allows for the creation, modification, and closure of defined accounting periods.Type: GrantFiled: February 7, 2023Date of Patent: April 16, 2024Assignee: Zuora, Inc.Inventors: Lei Jin, John Banks
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Patent number: 11948152Abstract: When a loan payment failure occurs, a loan server can retry a payment from a client's financial institution sources rather than immediately charging the client for the payment failure. The payment retry is scheduled on a Friday that is at least three days after the payment failure. If a payment failure from the financial institution sources to the loan server occurs between a Friday and the following Monday the payment retry by the loan server to the financial institution sources will occur on the first following Friday and if the payment failure occurs on Tuesday, Wednesday or Thursday, the payment retry will occur on the second following Friday which is the Friday of the following week from the failure date.Type: GrantFiled: June 15, 2022Date of Patent: April 2, 2024Assignee: Affirm, Inc.Inventors: Youyou Yang, Daniel Kaufman, Edward Oistacher
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Patent number: 11947521Abstract: A processor may identify a plurality of data sets subject to upcoming update processing in a next update cycle. For each of the plurality of data sets, the processor may determine a probability that data included in the data set has changed since a most recent update processing. The processor may exclude a first subset of the plurality of data sets having respective probabilities below a threshold value from the upcoming update processing until the respective probabilities are determined again in a subsequent update cycle. The processor may perform the upcoming update processing on the plurality of the data sets not included in the first subset, where the upcoming update processing may include obtaining updated data from at least one external data source.Type: GrantFiled: December 6, 2022Date of Patent: April 2, 2024Assignee: Intuit Inc.Inventors: Aleksandr Kim, Itay Margolin, Yair Horesh
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Patent number: 11947880Abstract: Determining solar panel placement enables sales representatives and homeowners to modify a solar power system by adding or removing solar panels or arrays of solar panels, or changing module type. The user sees the corresponding solar energy production update instantly in a user interface. Determining solar panel placement includes receiving data corresponding to an installation location. A maximum solar panel design is determined based on the installation location. Energy production is determined for a solar panel on each section of a roof of an installation location, and the energy production and energy offset are dynamically displayed in real time when any solar panel or array is selected or deselected.Type: GrantFiled: December 30, 2020Date of Patent: April 2, 2024Assignee: SUNPOWER CORPORATIONInventors: Jake Wachman, Matt Moone, Anthony Garzolini, Jeff Southard
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Patent number: 11941230Abstract: Methods and apparatus, including computer program products, implementing and using techniques for providing a customized representation of a business process involving one or more organizational entities that are accessible through a network. A user interface that can display a customized representation of a business process is provided. User information, including user privileges associated with the business process, is stored in a central repository that is accessible through the network. A request to view the business process is received from a first user through the user interface. The user privileges for the first user are retrieved from the central repository. A customized representation of the business process is displayed with the user interface. The customized representation is in compliance with the retrieved user privileges for the first user.Type: GrantFiled: May 18, 2021Date of Patent: March 26, 2024Assignee: Salesforce, Inc.Inventors: Mangesh P. Bhandarkar, Michael K. Dewey
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Patent number: 11941675Abstract: A trusted data bank organizes and manages access to streams of personal data owned by users with their permission. The data bank accepts incoming streams of personal data from users (such as financial, utility account, medical, insurance, activity, hobby, life style, consumer preferences, commercial transactions, telematics or smart home data, etc.), and applies user-defined privacy directives. The data bank receives personal data stream criteria and offers for goods, services, discounts, or incentives from personal data consumers (end users). The data bank may compare available streams of personal data and associated privacy directives for potential matches with criteria specified by consumers of personal data, and display offers to qualifying owners of personal data streams. If the owner accepts the offer, the data bank facilitates supplying the personal data stream to the consumer of personal data, and retains the ability to discontinue access to the stream at the owner's request.Type: GrantFiled: October 23, 2020Date of Patent: March 26, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Mark E. Clauss, Todd Binion
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Patent number: 11941714Abstract: Techniques described herein are directed to analyzing intellectual-property data according to provide various intellectual property related services to organizations. In particular implementations, information related to products and/or services may be obtained from a number of data sources. Additionally, information related to intellectual-property assets, such as patents, trademarks, copyrights, trade secrets, and know-how, may be obtained. In various situations, the intellectual-property assets may be mapped to respective products and/or services. The mappings between the products and/or services and intellectual-property assets may be used to provide intellectual property related services that correspond to the intellectual-property assets, such as valuation services, strategy-related services, or risk-related services.Type: GrantFiled: July 3, 2019Date of Patent: March 26, 2024Assignee: AON RISK SERVICES, INC. OF MARYLANDInventors: Lewis C. Lee, Daniel Crouse, David Craig Andrews, Samuel Cameron Fleming
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Patent number: 11934376Abstract: A database management engine provides a user interface that allows users to access and modify employee information in a database. The database includes entries for employees, and each database entry includes identifying information about the associated employee. A user can request to modify data within database entries, for instance in order to update information associated with an employee. Responsive to the request, the database management engine identifies liabilities associated with the database modification stemming from associated tax laws. Based on the identified tax liabilities, the engine computes the aggregate tax liability owed by the employer and/or employee. Before modifying a database entry, the engine modifies the user interface to include interface elements detailing the computed aggregate tax liability. The user explicitly can be required to confirm the database modification in view of the aggregate tax liability.Type: GrantFiled: March 29, 2023Date of Patent: March 19, 2024Assignee: ZENPAYROLL, INC.Inventors: Michael Kelly Sutton, Stephen Walter Hopkins, Matthew Charles Wilde, Alexander Scott Gerstein, Julia Hara Chin Lee, Michael Ryan Nierstedt, Nicholas Giancarlo Gervasi, Matan Zruya, Robert Douglas Gill, Jr., Bria Nicole Fincher, Ningjing Su, Ryan Kwong, Sheng Xiang Lei, Ketki Warudkar Duvvuru
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Patent number: 11935135Abstract: A method may include executing a baseline classifier on unreviewed transaction features of an unreviewed transaction record to obtain a baseline account identifier, and executing a comparison model on (i) an unreviewed transaction vector of the unreviewed transaction record and (ii) reviewed transaction vectors to obtain comparison scores. The reviewed transaction vectors may correspond to reviewed transaction records each having a user-approved account identifier. The method may further include selecting, using the comparison scores, a reviewed transaction record. The reviewed transaction record may correspond to a comparison score. The comparison score may correspond to a user-approved account identifier of the reviewed transaction record.Type: GrantFiled: January 29, 2021Date of Patent: March 19, 2024Assignee: Intuit Inc.Inventors: Juan Liu, Lei Pei, Ying Sun
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Patent number: 11928878Abstract: A system and method for domain aware document classification and information extraction from consumer documents are disclosed. A particular embodiment is configured to: establish, by use of a data processor and a data network, a data connection with at least one applicant platform; receive an upload of documents from the applicant platform via the data network; classify each document as being of a particular document type; determine an information extraction strategy based on a document type classification of a particular document; and extract information from the particular document based on the information extraction strategy.Type: GrantFiled: December 28, 2020Date of Patent: March 12, 2024Assignee: Informed, Inc.Inventors: Jatin Agrawal, Ashwin Kannan, Harshil Prajapati, Bharath Rengarajan, Eric Harvey, Emma Wei
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Patent number: 11924217Abstract: A system for data security includes a processor and a computer-readable storage medium having instructions stored thereon that cause the processor to perform operations including: (i) logging data access events initiated by a user; (ii) generating a user profile of the user, the user profile including a size and a type of data accessed by each data access event; (iii) receiving a new data access event initiated by the user including a size and a type of data requested by the new data access event; (iv) comparing the size and the type of the requested data of the new data access event to the user profile; (v) determining that the new data access event initiated by the user does not correspond to the data included in the user profile; (vi) restricting the requested data associated with the new data access event; and (vii) transmitting the restricted data to the user.Type: GrantFiled: February 16, 2023Date of Patent: March 5, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Vaidya Balasubramanian Pillai, Gregory Debo
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Patent number: 11924270Abstract: Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.Type: GrantFiled: March 9, 2022Date of Patent: March 5, 2024Assignee: Visa Europe LimitedInventor: Boris Taratine
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Patent number: 11914154Abstract: Intelligent application of reserves to transactions are described. In an example, server(s) associated with a payment processing service receive, from a point-of-sale (POS) device operated by a merchant, transaction data associated with a payment transaction between the merchant and a customer. Based on a predictive model, the server(s) can determine a level of risk associated with the merchant and/or the payment transaction and can determine a portion of the transaction to withhold from a settlement amount of the payment transaction based at least in part on the level of risk. The portion can be deposited into a reserves account associated with the payment processing service to satisfy costs associated with chargeback requests.Type: GrantFiled: July 26, 2022Date of Patent: February 27, 2024Assignee: Block, Inc.Inventors: Brian Mullins, Jeana Williams, Natalie Tarabay
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Patent number: 11915003Abstract: Disclosed are a process parasitism-based branch prediction method and device for serverless computing, an electronic device, and a readable storage medium. The method includes: receiving a calling request of a user for a target function; when capacity expansion is required, scheduling a container executing the target function to a new server that has not executed the target function in a preset period of time, wherein a parasitic process is pre-added to a base image of the container; triggering the parasitic process when the container is initialized on the new server, the parasitic process being used for initiating a system call, and triggering a system kernel to select a target template function according to the type of the target function and copying the target template function N times; using execution data of the copied N target template functions as training data to train a branch predictor on the new server.Type: GrantFiled: August 31, 2023Date of Patent: February 27, 2024Assignee: SHENZHEN INSTITUTES OF ADVANCED TECHNOLOGYInventors: Kejiang Ye, Yanying Lin, Chengzhong Xu
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Patent number: 11914908Abstract: A print management system includes a printing apparatus, a first acquisition section that acquires print information indicating a print status, a second acquisition section that acquires collection information indicating a collection status of waste paper, and a provision instruction section that gives an instruction to provide a benefit to a user of the printing apparatus based on both the print information and the collection information.Type: GrantFiled: March 27, 2023Date of Patent: February 27, 2024Assignee: Seiko Epson CorporationInventors: Takahiro Wakasa, Toshifumi Sakai
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Patent number: 11908023Abstract: Certain aspects of the present disclosure provide techniques for generating a user interface to prompt users of a software application to perform an action in the software application. The method generally includes generating historical transaction time gap data for transactions in the account. A probability distribution is generated based on the historical time gap data. The probability distribution represents a probability that a transaction related to the account has been performed after an elapsed time from a previous transaction. A probability that an unrecorded transaction exists for an account based on the probability distribution and a time difference between a most recent transaction and a current time. The probability that an unrecorded transaction exists is determined to exceed a threshold probability, and a user interface is generated and displayed to a user of the software application including a prompt for the user to enter new transactions for the account.Type: GrantFiled: July 29, 2019Date of Patent: February 20, 2024Assignee: Intuit, Inc.Inventors: Meng Chen, Lei Pei, Yueyue Gu, Zhicheng Xue, Linxia Liao
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Patent number: 11907956Abstract: Systems and methods for automated notification and resolution of trigger events are disclosed. According to one embodiment, a method for automated notification and resolution of trigger events may include: (1) monitoring, by a backend computer program, an account for a trigger condition; (2) generating, by the backend computer program, a voice notification for the trigger condition; (3) communicating, by the backend computer program, the voice notification to an electronic device associated with the account and a link to a network location to resolve the trigger condition; (4) presenting, by the backend computer program and at the network location to resolve the trigger condition, one or more resolution options; (5) receiving, by the backend computer program and at the network location to resolve the trigger condition, a selection of one of the one or more resolution options; and (6) executing, by the backend computer program, the selected resolution option.Type: GrantFiled: December 7, 2021Date of Patent: February 20, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Hetal Sanghvi, Tejal Vora, Candice Noronha, Vinesh Mehta, Ismail Tinwala
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Patent number: 11900358Abstract: Systems and methods for providing an integrated secondary communication network are provided. A method may include receiving an indication of a pre-determined trigger event, and presenting, via a user interface of a smart card, an option to perform a limited subset of a set of financial services. The set of financial services may be provided to a user of the smart card by a financial institution in connection with an account to which the smart card is keyed. The method may include the smart card bypassing the primary communication network, in response to receipt of a selection to perform a service from the limited subset of the set of financial services, and transmitting, via a transmitter of the smart card to a gateway of the secondary communication network, communication packets requesting the service.Type: GrantFiled: May 27, 2022Date of Patent: February 13, 2024Assignee: Bank of America CorporationInventors: Sheetal Bhatia, Sandeep Kumar Chauhan
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Patent number: 11900476Abstract: There are provided systems and methods for code generation and tracking for automatic data synchronization in a data management system. A user associated with an entity, such as an employee of an organization, may purchase an item utilizing a payment instrument or card provided by the organization. In order to provide proper expense allocation, the organization may require receipt matching and storage per use of the payment instrument. An expense management system may provide digital code generation and output on a corresponding physical or digital receipt so that when the receipt is provided to the expense management system, the codes may be matched to backend data stored by the system. The receipts may be processed by extracting text data from an image of a receipt to determine the codes. The codes may then be used to search a database of codes to match to digital transaction data.Type: GrantFiled: August 22, 2022Date of Patent: February 13, 2024Assignee: Brex Inc.Inventors: Pedro Franceschi, Ignacio Corderi
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Patent number: 11893636Abstract: The Multichannel Master Feeder Exchange Mechanism Apparatuses, Methods and Systems (“MMFEM”) transforms user share purchase, redemption request inputs via MMFEM components into fund share transaction records outputs. A processor-implemented non-transparent, master-feeder, master-feeder investment vehicle management, multichannel datastructure apparatus, comprising a processor and memory. The MMFEM memory having instructions to instantiate a multichannel asset vehicle configuration datapath and create a the multichannel vehicle data structure. The MMFEM may then determine a plurality of investment share data structures for the multichannel asset vehicle data structure and facilitate a transaction of investment shares data structures of the multichannel investment vehicle data structure based on the determined share price, wherein a master fund establishes a data feed for feeder funds to track.Type: GrantFiled: September 24, 2014Date of Patent: February 6, 2024Assignee: FMR LLCInventors: Marc R Bryant, Gregory A Friedman, Scott Kirk O'Reilly, Ralph Joseph Wolf
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Patent number: 11882338Abstract: A video distribution server according to one embodiment of the present invention encourages communication among viewers of a live video, while strengthening the relationship between a distributor of the live video and each of the viewers. The server provides a live video distribution service for distributing and viewing live videos to users via user terminals. The server generates a combo when an input of an item by each of a plurality of viewers of the live video satisfies a predetermined combo condition, thus encouraging communication among the viewers of the live video. In addition, the benefit is given to the distributor upon the generation of the combo, which may strengthen the relationship between the distributor and each of the viewers.Type: GrantFiled: May 14, 2021Date of Patent: January 23, 2024Assignee: DeNA Co., Ltd.Inventors: Daisuke Mizuta, Mari Kurihara, Tomoya Hirano, Eri Matsuda
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Patent number: 11880852Abstract: Systems as described herein may include predicting item level data based on merchant advertisement information. A transaction pattern may be detected. The merchant advertisement information may be retrieved and parsed to generate a price list. A number of transactions that each shares a common payment amount may be determined and the number may reach a threshold value. Items from the price list may be matched with the common payment amount. The transaction records may be updated to indicate likely item level transaction information. In a variety of embodiments, the likely transaction information may be presented to a user.Type: GrantFiled: September 27, 2022Date of Patent: January 23, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Adam Vukich, George Bergeron
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Patent number: 11875325Abstract: Systems and methods disclosed herein for the client-side management of recurring payment transactions. An account holder can interact with a consumer computing device, such as a smart phone or tablet computer, to provide billing parameters for recurring payments to a merchant. The billing parameters can be updated over time by the account holder.Type: GrantFiled: December 5, 2022Date of Patent: January 16, 2024Assignee: Worldpay, LLCInventor: Snehal Desai
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Patent number: 11875294Abstract: A method to provide multi-objective recommendations. The method includes receiving user input indicating a plurality of objectives, where each of the plurality of objectives indicates a desired goal for a field of interest, receiving user input indicating a plurality of actionable fields, receiving user input indicating selection of one of a plurality of records in a data set, determining, based on applying an evolutionary algorithm, one or more candidate changes to values of the plurality of actionable fields of the selected record, determining, for each of the one or more candidate changes, a multi-objective score for that candidate change, selecting one or more of the one or more candidate changes to recommend to a user based on the multi-objective scores of the one or more candidate changes, and providing, for display to the user, the selected one or more candidate changes as recommended changes.Type: GrantFiled: September 23, 2020Date of Patent: January 16, 2024Assignee: Salesforce, Inc.Inventors: Lingtao Zhang, Chang Lu, Sybil Shim, Amit Kumar
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Patent number: 11875587Abstract: An information processing system includes circuitry. The circuitry causes a terminal apparatus to display a setting screen for setting an extraction area for extracting, from a tabular image, an item value for each of one or more extraction target items. The setting screen displays, on the tabular image, an extraction guide representing the extraction area according to each of the one or more extraction target items. The circuitry further receives an operation of setting a position of the extraction guide on the setting screen.Type: GrantFiled: January 12, 2021Date of Patent: January 16, 2024Assignee: Ricoh Company, Ltd.Inventors: Hiroshi Kobayashi, Yoshiharu Tojo, Fumihiro Teshima
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Patent number: 11875397Abstract: Image-based processing of sources of financial information for financial transactions is provided. A device is enabled to acquire one or more images including a representation of a source of financial information. The device can validate the source, independent of the financial information in a preliminary analysis. If the source is validated, one or more images are used to acquire the financial information. The financial information is then validated. If the financial information is valid, authorization of the financial transaction can be initiated.Type: GrantFiled: September 3, 2019Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventors: Michael Mettler, Josh Bleecher Snyder
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Patent number: 11869011Abstract: A system for stable and streamlined transaction approval includes a rule management server and an authorizer server that operates independently of the rule management server. The rule management server is configured to receive a transaction rule associated with an account specified by a client entered through a portal generated by a graphical user interface. The server is further configured to identify data relevant to the transaction rule and transmit the transaction rule and the data identified to an authorizer server. The authorizer server is configured to receive transaction data related to a pending transaction of the credit card and apply the transaction rule to the transaction data and the data identified by the rule management server to determine whether to approve the pending transaction. The authorizer server operates independent of the rule management server and can be optimized to approve transactions quickly and operate in a stable condition.Type: GrantFiled: June 17, 2021Date of Patent: January 9, 2024Assignee: RAMP BUSINESS CORPORATIONInventors: Calvin Jun-Gong Lee, Veeral Dilip Patel, Paul Alexander Meier, Karim Atiyeh, Ariel Petren Langer, Ori Ephraim Goldfield, Geoffrey Jacques Charles
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Patent number: 11869096Abstract: Various embodiments are related to receiving, by a system and from a user interface associated with an application, provided by the system and executing on a computing device of a user, an input for configuring early payment of at least a percentage of earned pay of the user; and initiating, by the system, an electronic transfer of a payment for at least the percentage of the earned pay of the user to an account of the user, wherein the electronic transfer occurs prior to a scheduled paycheck for the earned pay.Type: GrantFiled: December 17, 2021Date of Patent: January 9, 2024Assignee: Block, Inc.Inventors: Paul Aaron, Cody Rose
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Patent number: 11861536Abstract: Techniques for community-based spend analysis in a software as a service computing environment are disclosed. The techniques leverage information available about community spend to provide new insights into a particular customer's spend. The new insights result from receiving a request for an optimization recommendation, importing spend data comprising a plurality of spend data lines, and using a trained deep learning classifier to classify the spend data lines in a set of standard spend categories to compute a first and second aggregate of monetary amounts. An optimization recommendation is sent to the customer based on a comparison of the first and second aggregate of monetary amounts is sent to a particular customer.Type: GrantFiled: February 24, 2021Date of Patent: January 2, 2024Assignee: Coupa Software IncorporatedInventors: Scott Harris, Vincent Toesca
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Patent number: 11861580Abstract: A system for processing a transaction by a user at a transaction point comprising: a data processing module configured to generate a transaction signal when an initiation of the transaction at a POST device of a transaction point by the user using a transaction initiator is detected, wherein the transaction signal comprises a transaction data; a data delivery module configured to transmit the transaction data from the POS device to a remote processor and optionally to a secondary computer based device of the user; a tagging module configured to enable the user to tag the transaction data when a prompt is displayed on the hand held computer based device; and a report generation module configured to generate a report corresponding to any client selected by the user through the hand held computer based device of the user.Type: GrantFiled: March 21, 2020Date of Patent: January 2, 2024Inventors: Robert William Graham, David B Johnson
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Patent number: 11863388Abstract: Energy-aware configurations can be utilized to operate a network based on sustainability-related metrics. In many embodiments, a suitable device includes a processor, a memory commutatively coupled to the processor, a plurality of elements, a communication port, and an energy-aware topology logic configured to collect topology data from one or more network devices, wherein each of the one or more network devices include a plurality of elements. The energy-aware topology logic can receive power source data and power usage data related to plurality of elements and generate an element energy coefficient (EEC) for a plurality of elements. Subsequently, the energy-aware topology logic can also generate an energy-aware configuration for at least one of the one or more network devices, and then pass the generated energy-aware configuration to the at least one network device, wherein the energy-aware configuration is configured to steer traffic based on at least one sustainability-related metric.Type: GrantFiled: March 31, 2023Date of Patent: January 2, 2024Assignee: CISCO TECHNOLOGY, INC.Inventors: Carlos Pignataro, Eric A. Voit, Nagendra Kumar Nainar, Marcelo Yannuzzi
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Patent number: 11854091Abstract: A method and apparatus is described for performing transaction tracing. The method may include mapping one or more funds flow transactions into each account to one or more funds flow transactions out of said each account based on a first-in-first-out ordering. The method may also include generating an initial graph from the mappings of the transactions for each said account. Furthermore, the method may include transforming the initial graph to a function graph, wherein the functional graph is a directed pseudoforest where each node has an out degree of at most one. Then, the method may include for a node in the functional graph, performing a trace of the transaction generating a set of transactions that contributed to the transaction.Type: GrantFiled: November 28, 2022Date of Patent: December 26, 2023Assignee: STRIPE, INC.Inventors: Robert Ying, Cale Horeff, Miguel Flores, Jeremiah Clemenson, Andy Zhang
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Patent number: 11848957Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.Type: GrantFiled: September 29, 2022Date of Patent: December 19, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Traci H. Nguyen, Nairobi N. Kim, Ian Jensen, Upul Hanwella, Brian J. Hanafee, Christopher Wayne Howser, Ajay Panikkar, Michael Chang
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Patent number: 11836808Abstract: A system and method of tracking sales tax. The present invention separates and logs each sales tax for each purchase, which eliminates the need for keeping physical receipts on a yearly basis and having to tally sales tax when preparing tax returns.Type: GrantFiled: June 25, 2020Date of Patent: December 5, 2023Inventor: Jenjer Monique Sawyer
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Patent number: 11836717Abstract: A method of processing a payment including receiving a payment lookup request, identifying a user network account on a blockchain network, sending a payment authorization request to and receiving authorization from a user, transferring ownership of an in-network token responsive to the authorization, sending a debit request to a user financial account, receiving a debit response from the user financial account, sending a credit request to a receiver financial account, and receiving a credit response from the receiver financial account.Type: GrantFiled: September 11, 2019Date of Patent: December 5, 2023Inventor: Vijay Madisetti
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Patent number: 11836776Abstract: In various example embodiments, a system and method for a Listing Engine that translates a first listing from a first language to a second language. The first listing includes an image(s) of a first item. The Listing Engine provides as input to an encoded neural network model a portion(s) of a translated first listing and a portions(s) of a second listing in the second language. The second listing includes an image(s) of a second item. The Listing Engine receives from the encoded neural network model a first feature vector for the translated first listing and a second feature vector for the second listing. The first and the second feature vectors both include at least one type of image signature feature and at least one type of listing text-based feature.Type: GrantFiled: November 15, 2022Date of Patent: December 5, 2023Assignee: EBAY INC.Inventors: Sanjika Hewavitharana, Evgeny Matusov, Robinson Piramuthu, Hassan Sawaf
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Patent number: 11838373Abstract: Embodiments of the present disclosure may provide a streamlined process for performing operations, such as data sharing and data replication, using multiple accounts. A global identity (also referred to as an organization user) may be employed, where the global identity may have access to multiple accounts across the same or different deployments. The global identity may switch between accounts from its login session and perform various tasks in the context of different accounts without undergoing further authentication.Type: GrantFiled: January 4, 2023Date of Patent: December 5, 2023Assignee: Snowflake Inc.Inventors: Khalid Zaman Bijon, Damien Carru, Christopher Peter Child, Eric Karlson, Zheng Mi
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Patent number: 11836211Abstract: Mechanisms for generating different lines of questioning based on evaluation of a previous line of questioning are provided. A set of evidential data specifying a plurality of concept entities and input specifying a scenario to be evaluated are received. The scenario specifies a hypothetical link between at least two of the concept entities. A first set of questions corresponding to the at least two information concept entities are evaluated based on the set of evidential data. Based on results of evaluating the first set of questions, a second set of questions is automatically generated to further expand upon and investigate the results of evaluating the first set of questions. The second set of questions are processed and an indication of the scenario and a corresponding measure of support for or against the scenario being a valid scenario is output.Type: GrantFiled: November 21, 2014Date of Patent: December 5, 2023Assignee: International Business Machines CorporationInventors: Darryl M. Adderly, Corville O. Allen, Robert K. Tucker
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Patent number: 11829964Abstract: The disclosed technique enables a payer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the payment amount should be apportioned the payer and additional payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the payer's mobile device and a remote payment service system (PSS). The payment amount is transferred from the payer to the payee. The mobile payment application enables the payer to identify additional payers and specify how the payment amount should be apportioned between the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to the payer to carry out the specified apportionment.Type: GrantFiled: June 1, 2022Date of Patent: November 28, 2023Assignee: Block, Inc.Inventors: Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
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Patent number: 11830071Abstract: 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: October 11, 2021Date of Patent: November 28, 2023Assignee: Wells Fargo Bank, N.A.Inventor: Jordan D. Vardon
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Patent number: 11823201Abstract: A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.Type: GrantFiled: February 4, 2021Date of Patent: November 21, 2023Assignee: Visa International Service AssociationInventors: Clive Alan Wintle, Thomas Purves, Prasad Madhukar Gore, Shipra Jha