Patents Examined by Edward Chang
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Patent number: 11636545Abstract: Systems and methods for performing an exchange for physicals (EFP) may comprise receiving, with a matching engine module in communication with a processor, EFP data comprising an amount of securities to be traded and a price. The matching engine module may calculate a first delta percentage between the EFP data and an index based on the amount, the price, and an index value. The matching engine module may calculate a residual delta based on the first delta percentage and an index notional value. The matching engine module may attribute the residual delta to the securities.Type: GrantFiled: March 2, 2022Date of Patent: April 25, 2023Assignee: LIFFE Administration and ManagementInventors: Benoit Andre Lamour, Anais Fabienne Christiane Dony
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Patent number: 11615502Abstract: Methods, systems, processes and others are provided for digital administration of gaming units including, for example, receiving a real-time request for gaming units; determining that the gaming unit administration application executing on the mobile device is located at the particular gaming location of the gaming establishment; determining that the real-time request for gaming units does not exceed the gaming unit limit of the account pre-approved by the gaming establishment; identifying a gamer distribution module associated with the particular gaming location for the current gaming activity associated with the request; and providing an authorization to distribute to the gamer associated with the request one or more requested gaming units.Type: GrantFiled: September 25, 2019Date of Patent: March 28, 2023Assignee: CHIP-UP, LLCInventors: Marcellino Manilla, John Victor Heutsche
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Patent number: 11587184Abstract: Systems and methods are described for automatically evaluating a claim submitted to an insurance carrier. Claim information and at least one image associated with the claim may be received, where the image has been submitted to a carrier as supporting evidence of a service performed by a submitter of the claim. The system may provide image data and other claim information from the submitted claim as input to machine learning models configured to identify whether the image data, such as a radiograph, supports the other data in the claim submission, such as a treatment code.Type: GrantFiled: January 15, 2021Date of Patent: February 21, 2023Assignee: Pearl Inc.Inventors: Joshua Alexander Tabak, Adam Michael Wilbert, Mustafa Alammar, Rohit Sanjay Annigeri, Cambron Neil Carter, Ophir Tanz
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Patent number: 11580602Abstract: Various embodiments are directed to systems and methods for processing a discretion order in a dark pool matching environment. A first order to buy or sell a trading product is received from a computer of a first trader. The first order has a first price and a first size. A second order to buy or sell the trading product that is contra to the first order is received from a second trader. The second order defines a second quantity and a price range of possible prices at which the second order can be executed. The price range comprises at least a second price. The second quantity of the trading product is reserved in an OMS of the second trader such that the second quantity of the second order is permitted by the OMS to be executed at any price within the price range. The second order is received before or after the first order is received. A processor determines that the first price of the first order is within the price range of the second order.Type: GrantFiled: November 6, 2020Date of Patent: February 14, 2023Assignee: CFPH, LLCInventor: Kevin Foley
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Patent number: 11574315Abstract: A method and system identify assistance offerings that are likely to be relevant to users of a data management system. The method and system utilize a multivariate random forest regression machine learning process to train an assistance offerings recommendation model to recommend relevant assistance offerings to users of the data management system. The multivariate random forest regression machine learning process replaces zero values in the training set data with negative numbers to increase the accuracy of the machine learning process.Type: GrantFiled: December 17, 2020Date of Patent: February 7, 2023Assignee: Intuit Inc.Inventors: Linxia Liao, Ngoc Nhung Ho, Bei Huang, Meng Chen
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Patent number: 11574316Abstract: A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method may include receiving, at the commerce platform, a request from a user system that identifies an account at the commerce platform and includes a capability requested for the account, where the requested capability corresponds to a desired functionality of the account. The method may also include mapping the requested capability to a compliance plan that defines a set of account data to be collected before activation of the capability for the account by the commerce platform. Furthermore, the method may include transmitting a message, generated by the commerce platform, that comprises a listing of additional data to be provided by the user system before activation of the capability for the account, where the additional data comprises a minimal set of account data defined by the compliance plan less any data already associated with the account at the commerce platform.Type: GrantFiled: February 14, 2020Date of Patent: February 7, 2023Assignee: STRIPE, INC.Inventors: Andrew G. Hoskins, Jay Shah, Matthew William Janiga, Peter Cronin Terrill
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Patent number: 11532005Abstract: A computer device and method for processing informatic data from one or more sensor devices associated with a property are provided herein. A first set of informatics data of a first property at a first period of time are analyzed to identify a first operating characteristic associated operating the first property. Operational changes to be implemented at a second property are identified based upon an operational efficiency of the first operating characteristic over a second operating characteristic of the second property. Second sensor data of the second property is used to determine that at least one of the identified operational changes has been implemented. Provision of a discount, a rebate, a monetary transfer, or any combination thereof is provided based upon the implementation.Type: GrantFiled: November 16, 2020Date of Patent: December 20, 2022Assignee: United Services Automobile Association (USAA)Inventors: Ramsey Devereaux, David C. Ault, Christina N. Nickel, Elizabeth J. Rubin, Daniela Wheeler, Justin D. Haslam, Thuy Hugos, Spencer Read, Ann C. Tarrillion
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Patent number: 11521201Abstract: A mobile device is provided. The mobile device includes a display unit, a sensor configured to sense user's touch done on a surface of the display unit in a disabled state of the display unit, a storage unit configured to store preset gesture information, a controller configured to enable the display unit when a user's touch operation matched with the gesture information is sensed, execute a wallet application, and display an execution screen, and a communication unit configured to transmit information for a selected payment option to an external apparatus when the payment option is selected on the execution screen and perform a payment. The payment is simply done.Type: GrantFiled: September 18, 2020Date of Patent: December 6, 2022Assignee: SAMSUNG ELECTRONICS CO., LTD.Inventors: Young-ho Rhee, Jae-hwan Kim
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Patent number: 11461742Abstract: Example systems, methods and apparatus to process medical prescription order rejections are disclosed. An example computer-implemented method, executed by one or more processors, to process a medical prescription order rejection, the method comprising submitting, using one or more processors, a first order for a medical prescription to a third-party entity for payment, when the first order is rejected by the third-party entity, processing, with a machine learning model, the first order to form a second order for the medical prescription, submitting, using one or more processors, the second order for the medical prescription to a third-party entity for payment, and when the second order is approved by the third-party entity, notifying, using one or more processors, a prescription fulfillment entity that the medical prescription is available to be fulfilled.Type: GrantFiled: October 30, 2019Date of Patent: October 4, 2022Assignee: WALGREEN CO.Inventors: Lawrence Salud, Joseph Anthony Kuta, Nicholas J. Leners
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Patent number: 11461765Abstract: The present disclosure relates to an account system for optimizing transactions for a user. In one implementation, the system may include at least one processor and a storage medium storing instructions that, when executed, configure the at least one processor to perform operations. The operations may include receiving, from the merchant system, merchant information for the transaction, retrieving, based on the account number, a database record from a database, the database record comprising the plurality of financial accounts associated with the user and user preferences, determining financial account data associated with each of the plurality of financial accounts, determining, using an optimization algorithm, a preferred financial account from the plurality of financial accounts based on the financial account data, the user preferences, and the merchant information, and selecting, based on the determination, the preferred financial account to complete the transaction.Type: GrantFiled: March 4, 2020Date of Patent: October 4, 2022Assignee: Capital One Services LLCInventor: Austen Novis
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Patent number: 11461744Abstract: Techniques are disclosed relating to determining characteristics associated with attempts to request access an online system. A security test that changes one or more parameters associated with accessing the online system may be implemented for a determined time interval. The parameters changed may include user interface parameters, security threshold parameters, and addresses of servlets in the online system. Access requests received during the security test may be compared to access requests received before and after the security test to determine characteristics of scripted access requests (e.g., automated attacks by one or more malicious users) and legitimate access requests to the online system. The present techniques enhance computer system security and can bolster network bandwidth by allowing malicious access requests to be more easily identified and filtered out.Type: GrantFiled: December 9, 2019Date of Patent: October 4, 2022Assignee: PayPal, Inc.Inventor: George Chen Kaidi
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Patent number: 11449951Abstract: An approach is provided for automatically performing claim preemptive subrogation. An intelligent agent in an artificial intelligence system is activated. An occurrence of a vehicular event is detected. Using the intelligent agent, a mesh network of devices positioned within an environment surrounding the vehicular event is established. Property, event, and environmental data describing the vehicular event is collected and stored in a blockchain node. A smart contract is established on the blockchain node. The smart contract provides authorized parties with an access to the stored property, event, and environmental data. Based on the stored property, event, and environmental data and rule(s), a preemptive subrogation is performed by determining a cause of the vehicular event.Type: GrantFiled: May 18, 2021Date of Patent: September 20, 2022Assignee: International Business Machines CorporationInventors: Ira L. Allen, Michael Jack Martine, Stan Kevin Daley, Mark Carter, Sarah Diane Green
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Patent number: 11449946Abstract: Systems and methods are disclosed for using a hub to automate recovery after a critical event during shared mobility services. One method may include, receiving, by a computing device and from a user device, a notification of a critical event during a shared mobility service; receiving natural language input associated with a first aspect of the critical event; parsing the natural language input and identifying a first value corresponding to the first aspect; determining, based on the first value, a second aspect (e.g., severity of damage) of the critical event; requesting the user device to send images of the second aspect; after receiving the images, determining a second value corresponding to the second aspect; generating, by the computing device and via a user interface of the user device, a representation of the critical event; receiving, from the user device, an approval of the representation; and generating a damage assessment.Type: GrantFiled: January 10, 2020Date of Patent: September 20, 2022Assignee: ALLSTATE INSURANCE COMPANYInventors: Christopher Paul Gutsell, Connor Walsh, John P. Kelsh, Rebecca Harasymczuk
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Patent number: 11449846Abstract: Computer implemented systems and methods are provided for an automatic teller machine. In some embodiments, an automatic teller machine may comprise a touch-sensitive display, one or more memory devices storing instructions, and one or more processors. The one or more processors may be configured to receive authentication data associated with a user, retrieve user profile information based on the authentication data, determine user interface attributes based on the user profile information; and generate an automatic teller machine interface based on the user profile information.Type: GrantFiled: November 20, 2020Date of Patent: September 20, 2022Assignee: Capital One Services, LLCInventor: David Wurmfeld
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Patent number: 11449950Abstract: Methods, computer-readable media, software, and apparatuses include receiving, from a plurality of risk information sources, risk information associated with a user account, wherein the risk information includes a plurality of risk components, determining, for each of the plurality of risk components, an impact score and a risk probability by applying a machine learning model to risk information associated with the user account, generating an interactive risk index dashboard including a plurality of interactive risk index elements, wherein each of the plurality of interactive risk index elements is associated with a risk component of the plurality of risk components, and displaying, on the display of the apparatus, the interactive risk index dashboard, wherein each of the plurality of interactive risk index elements is displayed in a portion of the interactive risk index dashboard in accordance with a respective determined impact score and risk probability.Type: GrantFiled: February 19, 2021Date of Patent: September 20, 2022Assignee: Allstate Insurance CompanyInventors: Sunil Chintakindi, Howard Hayes, Matei Stroila
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Patent number: 11436594Abstract: An apparatus and method for user identity control are provided. The apparatus includes a communication unit, a storage unit including a unique ID and a plurality of sections, each section including different identity information, and a controller for, in response to a transaction request, transmitting a request for identity information to an authorization server via the communication unit, and for, in response to authorization information received from the authorization server, transmitting identity information to a third party to complete the transaction according to the received authorization information.Type: GrantFiled: February 4, 2013Date of Patent: September 6, 2022Assignee: Samsung Electronics Co., Ltd.Inventors: Xu Cao, Aamer Khani, Ruifeng Xu, Benny Wong, Shigong Liu
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Patent number: 11397992Abstract: Systems and methods are described for managing fleet services. In an example, a vehicle selected from a plurality of vehicles presented in the user interface is received. A selected vehicle insurance for the vehicle is then received. A total cost for a lease of the vehicle and vehicle insurance associated with the selected vehicle insurance is determined. A lease of the vehicle and corresponding vehicle insurance is provided by the lessor. Other systems and methods are described.Type: GrantFiled: September 6, 2019Date of Patent: July 26, 2022Assignee: United Services Automobile Association (USAA)Inventors: Peter D. Raubenheimer, James M. Spears, Crystal J. Taylor
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Patent number: 11380171Abstract: A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.Type: GrantFiled: March 18, 2019Date of Patent: July 5, 2022Assignee: FAIR ISAAC CORPORATIONInventors: Yonghui Chen, Gregory Gancarz, Scott M. Zoldi
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Patent number: 11329929Abstract: Networks, systems and methods for dynamically filtering market data are disclosed. Streams of market data may be buffered or stored in a queue when inbound rates exceed distribution or publication limitations. Inclusive messages in the queue may be removed, replaced or aggregated, reducing the number of messages to be published when distribution limitations are no longer exceeded.Type: GrantFiled: October 26, 2020Date of Patent: May 10, 2022Assignee: Chicago Mercantile Exchange Inc.Inventors: Paul J. Callaway, Dennis M. Genetski, Adrien Gracia, James Krause, Vijay Menon
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Patent number: 11308558Abstract: Systems and methods for performing an exchange for physicals (EFP) may comprise receiving, with a matching engine module in communication with a processor, EFP data comprising an amount of securities to be traded and a price. The matching engine module may calculate a first delta percentage between the EFP data and an index based on the amount, the price, and an index value. The matching engine module may calculate a residual delta based on the first delta percentage and an index notional value. The matching engine module may attribute the residual delta to the securities.Type: GrantFiled: April 20, 2021Date of Patent: April 19, 2022Assignee: LIFFE Administration and ManagementInventors: Benoit Andre Lamour, Anais Fabienne Christiane Dony