Patents Examined by Kito R Robinson
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Patent number: 11875323Abstract: Methods for performing a touchless transaction at a communication terminal leveraging a smart contact lens is provided. Methods may include initiating a pairing of the smart contact lens to the communication terminal and in response to the pairing displaying on a graphical user interface (“GUI”) of the communication terminal, a plurality of selectable option buttons. Methods may further include tracking a focus of the user's eyes on the GUI. When a first deliberate eye blink gesture is identified while the user's eye is focusing on the GUI, methods may include determining a point of focus of the user's eye and identifying a selectable option button that is located within a pre-determined range of the point of focus. Methods may further include determining a transaction type corresponding to the selected option button and transmitting an instruction to the communication terminal to initiate a transaction corresponding to the transaction type.Type: GrantFiled: October 5, 2021Date of Patent: January 16, 2024Assignee: Bank of America CorporationInventor: Shailendra Singh
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Patent number: 11869007Abstract: Aspects of the disclosure relate to geocoding geocode datasets in KYC blockchain data blocks for spatial analytical risk modeling. In some embodiments, a computing platform may receive a client request to initiate a transaction with an enterprise organization. Using financial documentation and identification documentation associated with the client request, the computing platform may generate geocode coordinates and may identify a series of geographic risk factors. The computing platform may translate the geocode coordinates and the geographic risk factors into analytical overlays. The computing platform may stack the analytical overlays to generate an interactive spatial risk analysis model. The enterprise organization may use the interactive spatial analytical risk model to analyze the client request, and to determine whether to approve or deny the client request.Type: GrantFiled: July 16, 2021Date of Patent: January 9, 2024Assignee: Bank of America CorporationInventor: Sujatha Balaji
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Patent number: 11869009Abstract: Methods, systems, and computer program products for implementing a payment orchestrator simulation process. A simulation initiation request including a user selected rules configuration is received at a simulation server via a simulation user interface on a user device. Rule events information associated with the simulation initiation request is obtained from a rule events server. A rule evaluation request is sent to a rules engine. Rule evaluation information associated with the rule evaluation request is obtained from the rules engine. Simulation results based on the rule evaluation information are determined. The simulation results are sent to the user device via the simulation user interface.Type: GrantFiled: November 16, 2021Date of Patent: January 9, 2024Assignee: Amadeus S.A.S.Inventors: Angelina Petra Babic, Pablo Javier Clemente Sánchez, Miguel Lahoz García
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Patent number: 11869002Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.Type: GrantFiled: October 28, 2021Date of Patent: January 9, 2024Assignee: PayPal, Inc.Inventors: Aditya Jain, Piyush Neupane, Yogesh Krishna Kandlur
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Patent number: 11861710Abstract: An illustrative computing device may include a processor and a non-transitory memory device for storing a data structure capable of being compressed, where the data structure includes a plurality of data elements and each of the plurality of data elements includes a date field and a quantity field. The computing device may process instructions to arrange the plurality of data elements in a consecutive series in date order based on a value stored in the date field of each data element, determine whether a gap appears in the consecutive series of data elements based on a value stored in the quantity field of each element, remove the determined gaps in each of the data elements, and repeat the determining and removing steps until a predetermined criterion has been reached.Type: GrantFiled: February 7, 2023Date of Patent: January 2, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Suzanne Sprague, Sean Downey, Robert Taylor, Dhiraj Bawadhankar, Stephen Hurst, Matthew Simpson, Frederick Sturm
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Patent number: 11854078Abstract: Geographical mapping and linking of security and risk indicator data. Cross-references are created between location indicators and geo-spatial areas based on a statistical algorithm, in accordance with geo-spatial data. The cross-references are stored in a first data table. A credit risk indicator (CRI) is generated for each geo-spatial area based on other data, forming CRI data that is stored in second data table. A security associated with one of the location indicators is identified among security data. A first link is created between the security and a geo-spatial area based on the cross-references in the first data table. Based on the first link, a second link is created between an indicator among the CRI data in the second data table and the security. The second link is used to form instrument-level data for the security that includes the indicator. The instrument-level data is stored in a third data table.Type: GrantFiled: March 16, 2023Date of Patent: December 26, 2023Assignee: Intercontinental Exchange Holdings, Inc.Inventors: Richard Jones, Vincent Procacci, Spencer Gallagher, Caroline Tom, Ralph Harary
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Patent number: 11854084Abstract: A system and method are provided for intentionally delaying an execution of an executable instruction by determining if a current executable instruction is received from a predefined source for which all executable instructions are to be intentionally delayed. When so, the system sets a sequence time associated with the instruction equal to a receipt time plus a delay time. The system saves the instruction in an intentional delay queue for future execution. When the current executable instruction is received from a source that is not the predefined source, the system determines if a condition for immediate processing of the current executable instruction is present. When so, the system executes the instruction immediately. Otherwise, it performs an intentional delay determination that determines whether the current executable instruction has been intentionally delayed. When the current executable instruction has been intentionally delayed, the system executes the instruction immediately.Type: GrantFiled: June 13, 2023Date of Patent: December 26, 2023Assignee: NYSE Chicago, Inc.Inventor: Steven I. Givot
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Patent number: 11854076Abstract: A specialized mortgage constant calculator may include at least four different modes, each mode associated with a graphical user interface tailored to the mode and displayed on an electronic display. In addition, the mortgage constant calculator may include an adjustable table with a persistent, adjustable frame of reference and other navigational tools that facilitate use of a table that may be far larger than a display area of the electronic display.Type: GrantFiled: June 10, 2021Date of Patent: December 26, 2023Assignee: MTL Ventures LLCInventors: Mark Thomas Lambert, Jon Voss
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Patent number: 11847704Abstract: Management of a position concentration risk of an account includes the establishment of a threshold level for an aggregate trader position. The aggregate trader position may be associated with one or more customer accounts that are managed by one or more clearing firms. An actual parameter value associated with each of the customer accounts is aggregated to determine an aggregate parameter value, which is compared against the established threshold value. If, based on the comparison between the aggregate parameter value and the established threshold value, it is determined that the aggregate parameter value meets or exceeds the established threshold value, an advisory alert is generated, which may be automatic. The advisory alert is then communicated or otherwise provided to one or more authorized entities.Type: GrantFiled: April 14, 2023Date of Patent: December 19, 2023Assignee: Intercontinental Exchange Holdings, Inc.Inventors: Thomas Hammond, Thomas Farley, Raymond J. Cummings
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Patent number: 11849042Abstract: A method includes an authorizing entity computer receiving a request for a virtual access credential from a communication device operated by a user. The authorizing entity computer can then transmit the virtual access credential to the communication device operated by the user. The authorizing entity computer can then receive an authorization request message comprising the virtual access credential from an access device associated with a resource provider for an interaction between the user and the resource provider. The authorizing entity computer can then determine an account identifier linked to the virtual access credential. The account identifier being associated with an account maintained by an external entity computer that is external to the authorizing entity computer. The authorizing entity computer can then determine that the interaction is authorized based upon determining the account identifier associated with the virtual access credential.Type: GrantFiled: May 17, 2019Date of Patent: December 19, 2023Assignee: Visa International Service AssociationInventors: Gilles Verstraeten, Pedro Sousa, Mark Pettit, Prarthana Mitra
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Patent number: 11847697Abstract: 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: GrantFiled: March 15, 2021Date of Patent: December 19, 2023Assignee: Cboe Exchange, Inc.Inventor: Joseph Green
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Patent number: 11842342Abstract: An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase.Type: GrantFiled: February 20, 2020Date of Patent: December 12, 2023Assignee: Fidelity Information Services, LLCInventors: Matthew Dragiff, James English
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Patent number: 11842343Abstract: An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programmed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programmed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase.Type: GrantFiled: April 8, 2020Date of Patent: December 12, 2023Assignee: Fidelity Information Services, LLCInventors: Matthew Dragiff, James English
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Patent number: 11842354Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors. The one or more computer-readable storage media have instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive a request from a user device to process an electronic transaction, identify an anomaly, transmit data corresponding to the anomaly to an interactive dashboard, receive a first response from the interactive dashboard, transmit an indication of one or more rule violations and instructions, receive a second response from the interactive dashboard, update the profile of a user.Type: GrantFiled: September 10, 2021Date of Patent: December 12, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Kelley Chamberlain, David J. Dietrich, Valeria J. Gray-Lindsey, Michael Knorr, Robert L Kosicki, Duane F. Lindquist, Michael Mangieri, Maria V. Marmolejos, Jacqueline A. Monteferrario, Yonesy F Nunez, Leonard J. Valentino
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Patent number: 11829867Abstract: A learning device receives, for each target, learning data that represents the source of generation of a tensor including a plurality of elements which multi-dimensionally represent the features of the target over a period of time set in advance. When the target satisfies a condition set in advance, the learning device identifies the period of time corresponding to the condition in the learning data. Subsequently, the learning device generates a weighted tensor corresponding to the learning data that is at least either before or after the concerned period of time.Type: GrantFiled: May 24, 2019Date of Patent: November 28, 2023Assignee: FUJITSU LIMITEDInventors: Satoko Iwakura, Shunichi Watanabe, Tetsuyoshi Shiota, Izumi Nitta, Daisuke Fukuda
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Patent number: 11823149Abstract: Systems and methods provided herein may include a card replacement system. The system may include an automated teller machine in data communication with a server. The automated teller machine may include an input device; a processor; a replacement card storage containing at least one replacement card, wherein the at least one replacement cards may include a magnetic stripe and a chip; a magnetic stripe writer; a chip writer; and an embossing device. The processor may be configured to: receive a replacement card request via the input device; request replacement card information from the server; encode replacement card information onto the replacement card using the magnetic stripe writer and the chip writer; and emboss user information onto the replacement card using the embossing device.Type: GrantFiled: January 30, 2023Date of Patent: November 21, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Austen Novis, Eric Loucks, Brian Lee
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Patent number: 11823164Abstract: A method comprises receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the customer payment systems receiving cash from customers of a plurality of stores. The method further comprises receiving, by the provider institution computing system via the network, a cash request from a user device of a user. The provider institution computing system selects one of the plurality of customer payment systems based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents. The method further comprises sending, by the provider institution computing system to a selected delivery agent device, a message comprising location data of the selected customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices.Type: GrantFiled: October 22, 2019Date of Patent: November 21, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Darren M. Goetz, Ashish B. Kurani, Joann Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
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Patent number: 11823264Abstract: Systems and techniques are disclosed for reducing regulatory capital requirements for market participants with financial positions. Participant positions are received in a database for matching the participant positions. Additionally, participant assessed theoretical value by position, capital requirement reduction benefit for closing transactions and penalty for opening transactions by position, compression cost constraints, and zero or more custom constraints specifying acceptable risk profile in a portfolio of trades are received from each participant. A set of trades between a plurality of participants that delivers a capital requirement reduction to each of the plurality of participants, while simultaneously satisfying all participant specified cost and risk constraints is calculated. A time period to review and approve compression portfolios prior to consummating trades is provided.Type: GrantFiled: June 17, 2021Date of Patent: November 21, 2023Assignee: Cboe Exchange, Inc.Inventors: Brett Johnson, Robert Hocking, Michael Izhaky, Joseph Green
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Patent number: 11816663Abstract: A currency management system excels in security, and includes legal tender as a management target. A transaction information management device (TIMD) receives first transaction (Tr) information from a user terminal, and an account information management device receives second Tr information from the TIMD. The (TIMD) receives third Tr information from the account information management device, and a currency information management device receives fourth Tr information from the TIMD. The TIMD receives fifth Tr information from the currency information management device, and the TIMD sends sixth Tr information to a user terminal. The TIMD stores in the transaction information management device the first to sixth Tr information; and the account information management device and the currency information management device receive the first to sixth Tr information from the TIMD, and store the information in the account information management device and currency information management device respectively.Type: GrantFiled: December 1, 2020Date of Patent: November 14, 2023Assignee: GVE LTD.Inventors: Keita Takamatsu, Koji Fusa, Yu Kusakabe
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Patent number: 11803842Abstract: Disclosed is a system (100, 200) for authenticating a digital transaction by implementing a multi-party computation protocol. The system comprises a first set of first nodes (102) configured to generate a first data (104), wherein each of the first nodes, from the first set of first nodes, in a second set of first nodes (102A) is an independent party and a server arrangement (106) communicably coupled with the first set of first nodes. The server arrangement is configured to receive the first data from the first set of first nodes, generate a second data (108), verify whether a number of other of the first nodes (102B) not in the second set of first nodes is equal to or at most only one greater than a number of first nodes in the second set of first nodes and authenticate the digital transaction based on the verification, using the secret shares in the first data and the second data.Type: GrantFiled: June 18, 2021Date of Patent: October 31, 2023Inventors: Hakim Mamoni, Gabrielle Maureen Patrick