Patents Examined by Bijendra K Shrestha
  • Patent number: 12387220
    Abstract: A method of generating a transaction card includes receiving, at one or more servers, an input identifying a card spending limitation based on the input, receiving, at the one or more servers, an input identifying one or more usage constraints, generating, a usage rule set based on the one or more usage constraints, generating a transaction card based on the spending limitation and the usage rule set, and sending the transaction card to a consumer. The usage rule set comprises executable code for verifying that the usage constraints are met by one or more transaction parameters, and the transaction card is only valid when the usage rule set is satisfied.
    Type: Grant
    Filed: October 11, 2023
    Date of Patent: August 12, 2025
    Assignee: STREAMSOURCE TECHNOLOGIES, INC.
    Inventors: Tushar Srivastava, Prerit Srivastava
  • Patent number: 12387264
    Abstract: A method is provided for compressing data in an exchange computer system. The method includes receiving position data indicative of a position held with respect to a financial instrument by an exchange participant from among a plurality of exchange participants, and receiving constraint data indicative of one or more constraints on compression defined by the exchange participant. The exchange computer system compresses data based on the position data and the constraint data, resulting in, for each of the plurality of exchange participants, a new allocation of position sizes relative to positions held prior to compression. The new allocation of position sizes is such that a set of long positions held by the plurality of exchange participants with respect to the financial instrument are cancelled out by a set of short positions held by the plurality of exchange participants with respect to the financial instrument.
    Type: Grant
    Filed: December 18, 2023
    Date of Patent: August 12, 2025
    Assignee: Cboe Exchange, Inc.
    Inventor: Joseph Green
  • Patent number: 12380505
    Abstract: A system includes a processing circuit that is configured to establish a wireless connection with an analyst device; detect a trigger event based on detecting a mentioning of a security from the analyst device; in response to detecting the trigger event, receive analyst tracking information from the analyst device relating to the security; generate a data synopsis for the security based on the received analyst tracking information; and provide a graphical user interface to a manager computing device depicting the data synopsis.
    Type: Grant
    Filed: May 14, 2024
    Date of Patent: August 5, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jennifer Blaha, Manjunath Boraiah, Joshua T. Demetry, Brian J. Jacobsen, Randy Mangelsen, Ann M. Miletti, Chris Rosato, Noah Wise
  • Patent number: 12373889
    Abstract: Implementations of systems for tracking and trading assets may include an order book module configured to generate an order book, an exchange module configured to retrieve holdings information associated with a user, a tracking module configured to calculate a delta of a rate of exchange between two assets recorded within the order book, a block module configured to generate one or more blocks, each block representative of an asset of the first plurality of assets, and a trade module configured to transmit a trade request to the one of the brokerage, the exchange, or the brokerage and the exchange. The trade module may be configured to receive, from a user, a single trade request between a first asset and a second asset. The trade module may be configured to calculate a plurality of trade routes between the first asset and the second asset through one or more “medium” assets.
    Type: Grant
    Filed: November 17, 2023
    Date of Patent: July 29, 2025
    Assignee: Enyxus LLC
    Inventors: James A. Foura, Vincenzo Marrocco
  • Patent number: 12361490
    Abstract: Disclosed are various data processing systems, user interfaces, application programming interfaces, and related operations for commodity financial data processing scenarios. In some implementations, a system may provide a graphical user interface (GUI) to customize a financial strategy associated with a commodity delivery contract. The GUI may include an interactive graph representation having a vertical axis and a horizontal axis, with the vertical axis corresponding to price values and the horizontal axis corresponding to time values of the financial strategy. The interactive graph representation may provide a vertical user interface control which is capable of horizontal movement to select a time value, and a horizontal user interface control which is capable of vertical movement to select a price value of the financial strategy. An accompanying information display of the GUI may display the time value and the price value and related information obtained for the strategy.
    Type: Grant
    Filed: May 11, 2022
    Date of Patent: July 15, 2025
    Assignee: CARGILL, INCORPORATED
    Inventors: David Matthew Pellinger, Jeff Klock
  • Patent number: 12340423
    Abstract: Techniques for gamifying risk management services include associating a financial status of a user with a defensible position display element in a gameplay scenario, receiving risk management data regarding at least one risk management service secured by the user, associating the risk management service with at least one defensive display element in the gameplay scenario, and providing the defensible position display element and each defensive display element to a display to cause the display to visualize the defensible position display element protected by each defensive display element in the gameplay scenario.
    Type: Grant
    Filed: May 17, 2024
    Date of Patent: June 24, 2025
    Assignee: United Services Automobile Association (“USAA”)
    Inventors: Shane C. Osborne, Jaime Fernandez, Jr.
  • Patent number: 12333611
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to process audio and visual data. One of the methods includes receiving, from a mobile device, image data and audio data, wherein the image data and audio data were obtained within the same time frame. The method includes processing the image data to identify a first set of facts. The method includes processing the audio data to identify a second set of facts. The method includes processing meta-data associated with the image data to identify a third set of facts. The method also includes performing at least one process using the first set of facts, the second set of facts, and the third set of facts.
    Type: Grant
    Filed: March 18, 2024
    Date of Patent: June 17, 2025
    Assignee: United Services Automobile Association (USAA)
    Inventors: Gregory David Hansen, Andre R. Buentello
  • Patent number: 12333510
    Abstract: An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.
    Type: Grant
    Filed: December 6, 2023
    Date of Patent: June 17, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Andrew Grossman, Rachel Collins, Edward Abbott, Jeremy Phillips
  • Patent number: 12333604
    Abstract: Provided herein are systems, methods, and articles for generating and handling units or records derived from non-commodifiable work products, and the like. The disclosure provides for generating a certification record, including receiving work product data and generating a digitized record derived from the work product data.
    Type: Grant
    Filed: September 29, 2023
    Date of Patent: June 17, 2025
    Inventors: Alexander Economides, Dorothy Haraminac, Tri Nguyen
  • Patent number: 12321908
    Abstract: Systems and methods for mobile application integration are described. These may include receiving a payment request a mobile application, sending a payment application detection request, receiving a detection response, and sending a customized user interface to the mobile device. The customized user interfaces are determined by whether an associated payment application is present on the mobile device and whether the mobile device is authenticated with the payment processing platform. These techniques can allow for a better user experience when interacting with the payment processing platform.
    Type: Grant
    Filed: December 29, 2021
    Date of Patent: June 3, 2025
    Assignee: PAYPAL, INC.
    Inventors: Prasanna Annamalai, Harish Annam, Arun Arumugam, Madar Areef Hussain Shaik
  • Patent number: 12321987
    Abstract: A distributed trading platform comprising: a first participant system of a liquidity provider configured to determine a first order that is stored in a first order management system; a central system configured to determine a plurality of second orders based on the first order, an aggression level and market data; and a second participant system of a liquidity taker configured to determine that a contra order is stored in a second order management system, determine a single second order of the plurality of second orders that the liquidity taker is qualified to view based on a third quantity of the contra order, and populate a second trader interface with information soliciting submission of the contra order to the distributed trading platform for matching with the single second order.
    Type: Grant
    Filed: June 4, 2024
    Date of Patent: June 3, 2025
    Assignee: CFPH, LLC
    Inventors: Peter McGovern, Kevin Foley
  • Patent number: 12321939
    Abstract: Methods and systems are presented for providing a framework for facilitating electronic transactions by dynamically managing and sharing user data with multiple online platforms. As a user accesses one or more online platforms, a connect system that is integrated with the online platforms interacts with the user and obtain, from the user, user data that is usable for completing transactions between the user and the online platforms. The user data is stored in a user profile associated with the user and linked to an identifier of the user. When the user subsequently accesses an online platform, the connect system authenticates the user based on an identifier associated with the user, and share at least a portion of the user data stored in the user profile with the online platform to facilitate a transaction between the user and the online platform.
    Type: Grant
    Filed: August 18, 2023
    Date of Patent: June 3, 2025
    Assignee: PAYPAL, INC.
    Inventors: Rohit Basu, Abhishek Kakani, Meggan Marie Dunne, Andrew Throener, Trini George, Michael LaRosa
  • Patent number: 12293356
    Abstract: A control method includes: obtaining first transaction data that includes a first variable indicating first information on a first contract made between a first user and a second user, and a second variable set to a predetermined value indicating second information is undetermined; storing the first transaction data into the distributed ledger; executing storing processing of reading out the second variable, and storing it into a rewritable storage in a server; obtaining second transaction data that includes a third variable indicating third information on a second contract made between the first user and a third user, and a change command for changing the second variable, based on the third variable; storing the second transaction data into the distributed ledger; and executing change processing of changing, according to the change command, the second variable from the predetermined value, after the second transaction data is stored into the distributed ledger.
    Type: Grant
    Filed: June 13, 2022
    Date of Patent: May 6, 2025
    Assignee: PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA
    Inventors: Yuji Unagami, Junji Michiyama, Junichiro Soeda, Motoji Ohmori, Tetsuji Fuchikami, Yuuki Hirose, Naohisa Nishida, Masahiro Taguchi
  • Patent number: 12282904
    Abstract: An electronic communication device (ECD) includes a memory that stores software instructions; and a processor that executes the software instructions. When executed by the processor, the software instructions cause the ECD to: generate and send formatted inquiries and formatted instructions for virtual notes of a national digital currency to a central system that tracks all instances of virtual notes of the national digital currency; and receive responses to the formatted inquiries and confirmations of the formatted instructions from the central system if the formatted inquiries and formatted instructions comply with a predetermined format required by the central system to process the formatted inquiries and formatted instructions.
    Type: Grant
    Filed: February 9, 2022
    Date of Patent: April 22, 2025
    Assignee: NATIONAL CURRENCY TECHNOLOGIES, INC.
    Inventors: Joshua M. Povsner, Duncan Parker
  • Patent number: 12282956
    Abstract: Methods and systems are provided for securing distributed shares of an electronic wallet. An example method includes provisioning a plurality of devices each hosting an e-wallet share with enhanced privacy identification (EPID) private keys for the e-wallet share. A signature is posted for the e-wallet share to a blockchain. A determination is made as to whether the e-wallet share is compromised, and, if so, posting a revocation list comprising the signature for the e-wallet share to a blockchain.
    Type: Grant
    Filed: February 10, 2022
    Date of Patent: April 22, 2025
    Assignee: Intel Corporation
    Inventors: Michael Nolan, Davide Carboni, Ned M. Smith
  • Patent number: 12282910
    Abstract: Methods, systems, and computer readable medium are provided for generating, by a secure processor, a plurality of configurable data entry elements configured into a webpage, receiving sensitive data entered via the plurality of configurable data entry elements during a user data entry session, generating a hidden controller iframe in the webpage, aggregating, by the hidden controller iframe, the sensitive data across the plurality of configurable data entry elements, and directing aggregated sensitive data to the secure processor hosted by a first server separate from a second server hosting the webpage.
    Type: Grant
    Filed: March 22, 2024
    Date of Patent: April 22, 2025
    Assignee: Stripe, Inc.
    Inventor: Yue Bu
  • Patent number: 12277605
    Abstract: The system and methodology of the present invention operate, in one embodiment, to provide a set of cloud-based applications through which creators, initial investors and secondary investors can all interact so that content catalogs can be valued, initially invested in and traded on a secondary basis. As a result, content creators can source valuable capital for growth and expansion as well as other purposes. Separately, the system and methodologies of the present invention provide the unique opportunity for investors to invest in an interesting asset class which is diverse from other typical investment vehicles. The ability to rely on automated valuations at the time of the initial offering as well as the liquidity provided via secondary trading enhances the desirability of the content catalog asset class as well as the revenue streams associated therewith.
    Type: Grant
    Filed: August 16, 2023
    Date of Patent: April 15, 2025
    Assignee: Sharematter Inc.
    Inventors: Georges Ayoub, Zeid Ayoub
  • Patent number: 12271950
    Abstract: A method, system and program product including receiving data, including historical prices, volumes, and trading strategy model parameters; executing at least one of an analysis, performance testing and scoring of the trading strategy model's process; performing a series of trading strategy model calculations including a Sharpe ratio score calculation that compares performances of different trading strategy models; analyzing the performance of the trading strategy model by running different combinations of the trading strategy model parameters; detecting overfitting; implementing a distribution of said input data to said analysis, Strategy Stats Calculation, and/or All-Parameters Analysis modules; calculating a score of an overall performance of the trading strategy model by normalizing single scores and combining the single scores into groups; implementing a distribution at least one of, score calculations, analysis data, and recommendations to said output module.
    Type: Grant
    Filed: September 5, 2024
    Date of Patent: April 8, 2025
    Inventor: Francesco Parrella
  • Patent number: 12260309
    Abstract: Systems and methods to train and/or utilize a machine learning model to classify smart contracts in transactions recorded on a transaction log stored in immutable distributed electronic storage, are described herein. Exemplary implementations may: obtain transaction information characterizing transactions recorded on a transaction log stored in immutable distributed electronic storage; obtain classification information identifying contract classes of the transactions; aggregate transaction information and classification information into model training information; provide the model training information to a machine learning model to train the machine learning model and generate a trained machine learning model; and/or perform other operations.
    Type: Grant
    Filed: October 11, 2024
    Date of Patent: March 25, 2025
    Assignee: Hindsight VIP, Inc.
    Inventors: Chandler Skylo Schaak, Nicholas Kilbourn Fulton
  • Patent number: 12260381
    Abstract: A computer implemented method, system and non-transitory computer-readable device for a remote deposit environment activating, on a client device, a financial application, wherein the financial application is configured to instantiate a customer interface (UI) on the client device. Upon receiving a customer request, based on interactions with the UI, the method implements an electronic deposit of a financial instrument by activating a camera on the client device to generate a live stream of image data of a field of view of at least one camera, wherein the live stream includes imagery of at least a portion of the financial instrument. The method continues by extracting, based on the live stream of image data and by an optical character recognition program resident on the client device, one or more data fields from the financial instrument and communicating the extracted one or more data fields to a remote deposit server to complete the electronic deposit.
    Type: Grant
    Filed: November 7, 2023
    Date of Patent: March 25, 2025
    Assignee: Capital One Services, LLC
    Inventors: Keegan Franklin, James Brighter, Megan OBrien, John Maillett, Jane Justiz