Patents Assigned to XEROS LIMITED
  • Publication number: 20240070635
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Application
    Filed: September 15, 2023
    Publication date: February 29, 2024
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 11908050
    Abstract: A graphical user interface for display on a display screen of a user device is configured for display in a window occupying all or a portion of the display screen and has a first frame occupying a first frame region of the window. The first frame illustrates, adjacent to one another in a first dimension, graph visual elements each representing a respective graph data entry from a continuous subset among a sequence of graph data entries, each of the sequence having a defined placement and a quantitative value. The continuous subset is determined in response to selective zooming and/or scrolling of the first frame region by user interaction. The graph visual elements each have, in a second dimension, a linear extent or position determined according to the size of the first frame region in the second dimension, the quantitative value of the respective graph data entry, and dynamic scaling factor.
    Type: Grant
    Filed: March 24, 2023
    Date of Patent: February 20, 2024
    Assignee: Xero Limited
    Inventors: Diego Granados Diaz, Hayden Thomas Doward
  • Patent number: 11861695
    Abstract: Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.
    Type: Grant
    Filed: June 28, 2022
    Date of Patent: January 2, 2024
    Assignee: Xero Limited
    Inventors: Kieran Gorman, Craig Walker
  • Publication number: 20230418858
    Abstract: A method comprises determining token(s) from financial documents and determining a set of preliminary attribute labels for the token(s), wherein the set is associated with attribute type(s). The method further comprises providing the set for each token to an attribute prediction model to determine, for the token, a confidence value for each attribute type(s), determining subsets of token, each subset being associated with a respective document of the plurality of documents and determining a set of refined labels for each document based on the confidence values, wherein the set of refined labels comprises a value for attribute type(s).
    Type: Application
    Filed: September 8, 2023
    Publication date: December 28, 2023
    Applicant: Xero Limited
    Inventors: Soon-Ee Cheah, Rebecca Dridan
  • Publication number: 20230409644
    Abstract: A method comprises determining a plurality of documents and for each document of the plurality of documents: (i) providing the document to a numerical representation generation model; (ii) generating, by the numerical representation generation model, a numerical representation of the document; and (iii) determining a document score for the document based on the numerical representation. The method further comprises c) providing the document scores to a clustering module; d) determining, by the clustering module, one or more clusters, each cluster being associated with a class of the documents; e) outputting. by the clustering module, a cluster identifier indicative of the class of each document; and f) associating each document with its respective cluster identifier.
    Type: Application
    Filed: August 19, 2021
    Publication date: December 21, 2023
    Applicant: Xero Limited
    Inventors: Yu Wu, Salim Fakhouri, Mohamed Khodeir, Jerome Gleyzes, Soon-Ee Cheah
  • Publication number: 20230385953
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: August 7, 2023
    Publication date: November 30, 2023
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 11803826
    Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    Type: Grant
    Filed: May 24, 2022
    Date of Patent: October 31, 2023
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20230325940
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: June 15, 2023
    Publication date: October 12, 2023
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20230325941
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Application
    Filed: June 15, 2023
    Publication date: October 12, 2023
    Applicant: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Patent number: 11783433
    Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: October 10, 2023
    Assignee: Xero Limited
    Inventors: Rodney Kenneth Drury, Matthew John Vickers
  • Publication number: 20230297619
    Abstract: Methods comprising determining a dataset of entries, each comprising an entity identifier and associated application identifier(s) are provided. One method comprises determining a set of application pairs from the dataset; determining a correlation score for each application pair based; responsive to the correlation score exceeding a threshold correlation value: determining application identifiers of the application pair as being correlated; providing a correlation write request comprising the applications identifiers of the pair to an app recommender database.
    Type: Application
    Filed: May 24, 2023
    Publication date: September 21, 2023
    Applicant: Xero Limited
    Inventors: Kendra Vlant, Soon-Ee Cheah, Rebecca Dridan, Shannon Pace
  • Publication number: 20230222574
    Abstract: A mobile banking reconciliation application allows a user to reconcile a business's records with banking records associated with one or more accounts of the business. The mobile banking reconciliation application can access an accounting system to obtain business records and banking records associated with the business. The banking records and business records may be displayed as a set of cards that a user can scroll and/or flip through (e.g., using the touch screen of a mobile device). The related business records displayed may be a suggestion that is based on a determination that the banking record likely matches the business record. The user may identify the appropriate business record for the particular bank record being reconciled from existing business records, or the user may create a new business record.
    Type: Application
    Filed: March 21, 2023
    Publication date: July 13, 2023
    Applicant: Xero Limited
    Inventor: Brock Stephen Abernethy
  • Publication number: 20230169438
    Abstract: A system with access to regularly updated information regarding an entity can generate information regarding the performance of that entity. For example, values of various key performance indicators (KPIs) can be determined. One or more of the values can be compared to a corresponding threshold or range. Based on the results of the comparisons, an alert can be generated and sent to a user associated with the entity, a user interface (UI) that presents information to the user about the entity can include information regarding the KPIs, or both. The system may have access to data regarding a number of similar entities. Using the data for the similar entities, one or more benchmarks for the KPIs of the entity can be determined. The KPIs can be compared to the benchmarks and the results shown in a UI, an alert, or both.
    Type: Application
    Filed: January 30, 2023
    Publication date: June 1, 2023
    Applicant: Xero Limited
    Inventors: Tim Mole, Grant Anderson
  • Patent number: 11645710
    Abstract: A mobile banking reconciliation application allows a user to reconcile a business's records with banking records associated with one or more accounts of the business. The mobile banking reconciliation application can access an accounting system to obtain business records and banking records associated with the business. The banking records and business records may be displayed as a set of cards that a user can scroll and/or flip through (e.g., using the touch screen of a mobile device). The related business records displayed may be a suggestion that is based on a determination that the banking record likely matches the business record. The user may identify the appropriate business record for the particular bank record being reconciled from existing business records, or the user may create a new business record.
    Type: Grant
    Filed: July 15, 2021
    Date of Patent: May 9, 2023
    Assignee: Xero Limited
    Inventor: Brock Stephen Abernethy
  • Patent number: 11610172
    Abstract: A system with access to regularly updated information regarding an entity can generate information regarding the performance of that entity. For example, values of various key performance indicators (KPIs) can be determined. One or more of the values can be compared to a corresponding threshold or range. Based on the results of the comparisons, an alert can be generated and sent to a user associated with the entity, a user interface (UI) that presents information to the user about the entity can include information regarding the KPIs, or both. The system may have access to data regarding a number of similar entities. Using the data for the similar entities, one or more benchmarks for the KPIs of the entity can be determined. The KPIs can be compared to the benchmarks and the results shown in a UI, an alert, or both.
    Type: Grant
    Filed: February 7, 2022
    Date of Patent: March 21, 2023
    Assignee: Xero Limited
    Inventors: Tim Mole, Grant Anderson
  • Publication number: 20220298712
    Abstract: This invention relates to a filter which is especially for filtering microfibres which can, for example, originate from the washing of textiles. The filter is rotatable around an axis of rotation. The filter provides good filtering efficiency and improved resistance to blocking.
    Type: Application
    Filed: August 20, 2020
    Publication date: September 22, 2022
    Applicant: Xeros Limited
    Inventors: Joseph MATTLEY, James Richard PEASE, Thomas Andrew COBB, Gareth Evan Lyn JONES
  • Publication number: 20220259790
    Abstract: A baffle for use with a treatment machine wherein the treatment machine is configured to treat substrates in the presence of solid particles and wherein the treatment machine comprises a drum and a door for loading a substrate into the drum. The baffle comprises a tub connector portion connecting the baffle to a tub of the treatment machine. The baffle also comprises a door contacting portion for contacting the door of the treatment machine when in use and the door is in a closed configuration. The baffle also comprises a barrier extending between the tub connector portion and the door contacting portion; and wherein the barrier is inclined so that when in use, solid particles deposited on the barrier are diverted into the drum of the treatment machine. There is also provided a treatment machine comprising the baffle and a method of treating a substrate in said treatment machine.
    Type: Application
    Filed: July 22, 2020
    Publication date: August 18, 2022
    Applicants: Xeros Limited, Xeros Limited
    Inventors: Gareth Evan Lyn JONES, Liam ROBERTS, Joseph MATTLEY, Thomas Andrew COBB
  • Patent number: 11414633
    Abstract: A method for cleaning a substrate which is or comprises a textile, the method comprising agitating the substrate and a cleaning composition comprising: i. cleaning particles comprising a thermoplastic polyamide and a hydrophilic material at least part of which is located inside the cleaning particle, said cleaning particles having an average particle size of from 1 to 100 mm; and ii. a liquid medium. An apparatus suitable for performing said method comprising a rotatable cleaning chamber and a particle storage tank containing the cleaning particles. Use of the cleaning particles for cleaning a substrate which is or comprises a textile.
    Type: Grant
    Filed: July 28, 2016
    Date of Patent: August 16, 2022
    Assignee: Xeros Limited
    Inventors: Robert Andrew Bird, Stephen Derek Jenkins, Philipp Kloke, Simon Kniesel, Shyam Sathyanarayana, Martina Schoemer
  • Patent number: 11410229
    Abstract: Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.
    Type: Grant
    Filed: December 28, 2020
    Date of Patent: August 9, 2022
    Assignee: Xero Limited
    Inventors: Kieran Gorman, Craig Walker
  • Patent number: 11399062
    Abstract: In various example embodiments, a system and method for automated data reconciliation processing is presented. The system receives a data movement request with a first status indicator and appends a unique request code to the data movement request. The system causes presentation of the data movement request at a client device and receives a movement response from a second server via a network. The system modifies the first status indicator of the data movement request to a second status indicator to provisionally reflect the receipt of the movement response and verifies the indication of movement from a receiving entity.
    Type: Grant
    Filed: August 6, 2018
    Date of Patent: July 26, 2022
    Assignee: Xero Limited
    Inventors: Dinesh Katyal, Matthew John Vickers