Patents Assigned to FMR LLC
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Publication number: 20130304797Abstract: Methods and apparatuses, including computer program products, are described for providing an integrated suite of cloud-based, hosted, and internal applications. A server receives from a client device a request to access a portal comprising a plurality of cloud-based, hosted, and internal applications. The server determines an identity of the user, and one or more applications of the plurality of applications available for access by the user. The server establishes a link with one or more computing devices hosting the one or more available applications for providing functionality of the available applications. The server authenticates the user automatically for each of the available applications, and translates communications between the server and each of the applications based on a mapping configuration. The server integrates the established links into a user interface that provide access to each of the available applications, and provides the integrated user interface to the client device.Type: ApplicationFiled: May 8, 2012Publication date: November 14, 2013Applicant: FMR LLCInventors: Christopher Warren, John P. Hake, Edward O'Brien
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Publication number: 20130304644Abstract: A financial account is established using a mobile computing device. A digital image of an applicant's identification having text based components is captured. The digital image of the identification is processed to recognize at least a portion of the text based components. The portion of the text based components is used to complete an application for the financial account. The digital image of the identification is transmitted to a regulatory body. Verification of the identity of the applicant is received from the regulatory body. The financial account for the applicant is established.Type: ApplicationFiled: May 9, 2012Publication date: November 14, 2013Applicant: FMR LLCInventors: Boris Olegovich Kalinichenko, Joseph G. Ferra
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Patent number: 8583467Abstract: A computer-implemented method is provided for optimizing scheduling and resource allocation for a workflow. The method includes receiving i) resource information representing resources available for allocation to the workflow and ii) one or more workflow constraints. The method determines one or more probable sequences for executing the workflow. Each probable sequence includes tasks usable to execute at least a portion of the workflow. Each task is assigned a probability of task execution. The method assigns a probability of sequence execution to each of the probable sequences based on the probability of task execution of the tasks forming the probable sequence. The method further determines an optimized scenario for scheduling the workflow based on the probable sequences. The optimized scenario can have an optimized probability of completion.Type: GrantFiled: August 23, 2012Date of Patent: November 12, 2013Assignee: FMR LLCInventors: Sean Morris, Peter Keane, Igor Nikolaev, Tom Mulligan
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Patent number: 8583472Abstract: Methods and apparatus, including computer program products, for measuring how well interactive components of a service facility that are accessible to users through a communication network perform in serving users, the interactive components being a proper subset of all of the interactive components of the service facility, and using the results of the measuring to evaluate the performance of the service facility with respect to a target performance.Type: GrantFiled: September 10, 2004Date of Patent: November 12, 2013Assignee: FMR LLCInventors: Louis A. Iannucci, Robert J. Ronan, Peter E. Kulis
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Patent number: 8584219Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.Type: GrantFiled: November 7, 2012Date of Patent: November 12, 2013Assignee: FMR LLCInventors: Robert C. Toole, Jonathan Hromi, John McDonough, Hadley Rupert Stern, Seth Warren Brooks
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Patent number: 8583766Abstract: Performing A/B testing of content of a webpage includes selecting one of at least two different versions of the webpage to be displayed to a user through an interactive user interface (e.g., a web browser) based on an identification code, such as an Internet Protocol address or tracker identifier supplied by a cookie, associated with the user.Type: GrantFiled: May 19, 2011Date of Patent: November 12, 2013Assignee: FMR LLCInventors: Eleri Dixon, Emily Enos, Scott Brodmerkle
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Patent number: 8566191Abstract: An annuity is provided to an annuitant based on the performance of an investment. Assets of the investment are automatically reallocated over time and the annuity payment may change based on the performance of the automatically allocated assets. In some examples, the assets are automatically reallocated based on a demographic, which can include an age, a range of ages, and/or a gender.Type: GrantFiled: July 5, 2005Date of Patent: October 22, 2013Assignee: FMR LLCInventors: Jonthan Shelon, Ren Cheng
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Patent number: 8543716Abstract: A computer-implemented method of directing data from a first computing device to a second computing device is provided. The second computing device opens communication with a server. The server provides a unique identifier to the second computing device, and the second computing device remains available to received data. The first computing device transmits a request for data to be displayed to the server. The server (or a third device) transmits the data to be displayed to the second computing device. Once the data is displayed and/or acknowledged, the second computing device ceases to display the data and disconnects from the server.Type: GrantFiled: November 13, 2012Date of Patent: September 24, 2013Assignee: FMR LLCInventors: Paul Rashidi, Jeanne Mackin, Mark Kelly
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Patent number: 8533017Abstract: Methods and apparatuses are described for determining a succession planning track for a registered investment advisor. A server generates a plurality of paired statement sets associated with business and personal goals, and each statement in the statement sets is associated with one or more succession planning tracks. The server receives a statement selection for each set of paired statements, determines one or more preliminary tracks, and generates a first set of business and personal value statements associated with the preliminary tracks. The server receives a priority ranking for at least two of the value statements and determines one or more intermediate tracks. The server generates a checklist with a second set of value statements associated with the intermediate tracks. The server receives a set of responses to the second set of value statements, determines a final track, and generates a succession action plan corresponding to the final track.Type: GrantFiled: February 13, 2013Date of Patent: September 10, 2013Assignee: FMR LLCInventors: Waldemar Roy Kohl, Ashley Marie Reichert, Beverly Diana Flaxington
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Patent number: 8532628Abstract: Described are methods and systems, including computer program products, for registering, configuring, and invoking actionable alerts. For example, an alert action is determined based on an alert. The alert is sent to a device based on an alert logic and the alert action is sent to the device based on a device capability. A received communication is identified as a response from the first device based on the alert requesting performance of the alert action.Type: GrantFiled: June 16, 2006Date of Patent: September 10, 2013Assignee: FMR LLCInventors: Boris Olegovich Kalinichenko, Joseph G. Ferra
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Patent number: 8527382Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.Type: GrantFiled: December 17, 2003Date of Patent: September 3, 2013Assignee: FMR LLCInventors: John McDonough, Steve Elterich
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Patent number: 8527302Abstract: Described are computer-based methods and apparatuses, including computer program products, for managing insurance plans. Multiple bids are received from multiple reinsurance companies for the price of a unit of an insurance product (e.g., a fixed annuity paying ten dollars a month starting at the age of sixty five). The unit of the insurance product is associated with a set of one or more risk factors (e.g., age, range of ages). A bid is selected from the bids based on a relationship between the bids (e.g., lowest bid, lowest weighted bid). The selected bid is associated with a selected reinsurance company. Units of the insurance product associated with the selected bid are offered to participants associated with the set of one or more risk factors.Type: GrantFiled: December 27, 2007Date of Patent: September 3, 2013Assignee: FMR LLCInventors: William Joseph Johnson, Jr., Mark C. Leonard, Ross Mark Krinsky, Stephen Luke Deschenes
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Publication number: 20130226836Abstract: Methods and apparatuses are described generating a funding and investment strategy associated with an underfunded pension plan. A computing device determines an amount of funding required to fund the pension plan to a predetermined liability limit, where the amount of funding required is adjusted for (i) an expected return on pension plan assets, (ii) governmental premiums imposed on underfunded pension plans, and (iii) tax deduction amounts. The computing device determines an amount of debt to incur based on the amount of funding required, and contributes the incurred debt amount into the pension plan as a pension plan asset. The computing device generates a strategic plan for investing the contributed pension plan asset in long-duration bonds, where the long-duration bonds have a higher yield curve than the incurred debt interest rate. The computing device acquires long-duration bonds that have characteristics consistent with the strategic plan.Type: ApplicationFiled: February 22, 2013Publication date: August 29, 2013Applicant: FMR LLCInventor: FMR LLC
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Patent number: 8522345Abstract: There are methods and apparatus, including computer program products, for managing hierarchical reference data. There is a Web page for access by a user, where the Web page includes (i) data representing a hierarchy and (ii) rules defining modifications that are permitted to be made to data. The user is enabled to make a real-time modification to the data based on the rules.Type: GrantFiled: November 1, 2010Date of Patent: August 27, 2013Assignee: FMR LLCInventors: Dinesh Sharma, Mark Goldsmith, Venkat Narsimha Karedla, Brian G. Salloway, Michael Murphy
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Patent number: 8505077Abstract: Described are methods, systems, and apparatus, including computer program products for providing authentication for service provisioning. One or more executable authentication rules are provided for determining access by a user to one or more services. At least a first executable authentication rule is selected from the one or more executable authentication rules. The first executable authentication rule is for determining access by the user to at least a first service from the one or more services, wherein selecting the first executable authentication rule is based on: a characteristic of the user, a characteristic of a request, a characteristic of an acquisition point, or any combination thereof. A rules credential is generated. The rules credential includes the first executable authentication rule.Type: GrantFiled: May 1, 2007Date of Patent: August 6, 2013Assignee: FMR LLCInventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, Alexander L. Popowycz, Michael Francis LoPiano
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Publication number: 20130191141Abstract: System and method for providing participants, and in particular employees, a choice of how to allocate their non-typical benefits, i.e. earned reward amounts or incentives of an employee wellness program, and to manage these additional benefits in conjunction with other employee benefit programs such as health benefits, retirement benefits, 401(k) plans etc. in a manner that provides maximum benefit, interaction, and understanding of selected benefit allocation. The system provides increased user control to increase the perceived value of the rewards earned as well as increase to the participants' engagement in the behavior being incentivized. The system also provides a way to integrate various benefit programs providing a more user friendly and efficient system that encourages employee interaction and understanding.Type: ApplicationFiled: October 30, 2012Publication date: July 25, 2013Applicant: FMR LLCInventor: FMR LLC
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Patent number: 8488774Abstract: A predictive call routing system that includes a real-time decision engine to receive information about a customer and identify a skill that is useful for providing service to the caller. The decision engine identifies the skill by generating scores for a plurality of statistical models using the statistical models and parameters associated with the caller, each statistical model representing a correlation between a subset of parameters and an action that may be performed or requested to be performed by the caller, the score for each statistical model being generated using the statistical model and the subset of parameters associated with the statistical model, and identifies a skill based on the scores. The system includes a call router to route a call from the customer to a representative who has the skill.Type: GrantFiled: July 23, 2007Date of Patent: July 16, 2013Assignee: FMR LLCInventors: Anil Mahalaha, Daniel L. Tonelli, Barry Berk
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Patent number: 8484711Abstract: System and method configured to provide an access management system configuration that provides the benefits of single sign-on while reducing internal hardware and administration maintenance costs. The system is reconfigured to provide an access control module that directs authentication network traffic such that access management agents are not required to be installed on the application server for each protected application. The system provides a redirection of a login request from the application server to an external security gateway that authenticates the user via policy and sends authenticated user credentials on a back channel to the access control module to obtain a session cookie which is redirected back to the user so the user can establish a session with the application. The solution reduces the plethora of agents to be maintained and upgraded in order to remain compatible with the evolving hosting software, reducing both hardware and administration maintenance costs.Type: GrantFiled: October 31, 2012Date of Patent: July 9, 2013Assignee: FMR LLCInventors: Michael Timothy Coletta, Kevin W. Park, Jon Alexander Lenzer
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Patent number: 8474028Abstract: A method for using multiple channels to access a resource, wherein a first user requests a resource that requires an indication of approval from a second user, a token value is transmitted to the first user on the first channel, and the second user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the first user is allowed access to the resource on the first. The first and second user may be independently authenticated in some implementations and not independently authenticated in other implementations.Type: GrantFiled: May 22, 2007Date of Patent: June 25, 2013Assignee: FMR LLCInventors: Rajandra Laxman Kulkarni, Adam Greenberg, Anthony M. Marotto, William A. Thornton, III
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Patent number: 8433628Abstract: Forecasting financial market activity includes a host system and a graphical processing unit in data communication with the server. Forecasting financial market activity also includes a computer program product residing on the host system, the computer program product including instructions for causing the host system to send one or more financial models to the graphical processing unit; and a computer program product residing on the graphical processing unit for causing the graphical processing unit to: receive the financial models and a list of types of market data associated with each financial model; generate one or more engine instances; structure the received market data; receive instructions, from the host system, to run an identified financial model; clone at least part of the structured market data; run the engine instances; and generate, in real time, forecast data indicative of an expected market performance.Type: GrantFiled: December 29, 2008Date of Patent: April 30, 2013Assignee: FMR LLCInventor: Jacob C. Lindeman