Patents Examined by Ojo O. Oyebisi
  • Patent number: 12008641
    Abstract: Systems and methods are described to facilitate an efficient on-boarding experience for users joining a financial institution, while maintaining the integrity of certain operations to determine whether the users are eligible for certain financial products based on the personal information of the users. For instance, a first server may perform an approval process by receiving a request to verify an identity of the user using a digital identity service, sending to a second server a request to obtain one or more categories of personal information about the user, receiving personal information associated with the one or more categories selected by or authorized by the user, determining, based on at least some of the received personal information, that the user is approved for a payment card, and sending information associated with the payment card to a mobile device.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: June 11, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Patrick Adam, Benjamin Goos, Gabriel Carlos Fernandez, Christopher Paul Blanchard, Gage Robert Lynch
  • Patent number: 11995620
    Abstract: This disclosure provides methods and systems for performing authentication in a virtual reality environment. In some implementations, the system receives a request for access to a virtual reality financial center requiring authentication from a user. The system can collect user identification information that identifies the user and verification information required to verify the user's identity via a virtual reality platform.
    Type: Grant
    Filed: July 20, 2022
    Date of Patent: May 28, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Adrian Borunda, Richard Tanner, Jeffrey Joseph Szcinski, Cale Riley Spratt, Jerry Allen Phelps
  • Patent number: 11989759
    Abstract: Disclosed systems and methods incorporate machine learning to assess damage to vehicles. An example method includes: accessing image data representing one or more digital images of damage to a vehicle; selecting, using one or more processors, an applicable machine learning algorithm from a plurality of different trained machine learning algorithms, wherein the plurality of different machine learning algorithms are trained for respective different combinations of one or more of vehicle make, vehicle model, vehicle year, or area of damage; processing the image data, with the applicable machine learning algorithm using one or more processors, to determine assessed damage for the vehicle; accessing actual damage information for the vehicle; determining, using one or more processors, differences between the actual damage and the assessed damage; and iterating, using one or more processors, the applicable machine learning algorithm based on the differences to improve its damage assessment accuracy.
    Type: Grant
    Filed: May 27, 2022
    Date of Patent: May 21, 2024
    Inventors: Brian Mark Fields, Lee Marvin John Assam
  • Patent number: 11972430
    Abstract: An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores.
    Type: Grant
    Filed: May 17, 2022
    Date of Patent: April 30, 2024
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11941695
    Abstract: An exchange through which swap contracts may be traded. Embodiments may allow a trader to announce a potential crossing before the crossing is requested. The user may then request the crossing between two parties. An announcement window may be kept open through a chaining of announcements. An interloper with a same price but better time than a party to the cross may be kept out of interloping in the cross. A ticker symbol system may list a clearinghouse to be used to execute a requested cross.
    Type: Grant
    Filed: August 15, 2022
    Date of Patent: March 26, 2024
    Assignee: BGC PARTNERS, INC.
    Inventors: Rich Jaycobs, Howard W. Lutnick, Mike Sweeting
  • Patent number: 11935048
    Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for managing blockchain-based trustable transaction services. One of the methods includes: storing order data of an order between a buyer and a seller on a blockchain of a blockchain network, the order data including one or more payment conditions and data of a trustable undertaking (TU) service for the order, verifying that the buyer has the TU service for the order guaranteed by the buyer financial institution, generating a smart contract for the order based on the order data on the blockchain, and executing the smart contract to automatically instruct the buyer financial institution to make a payment of the order for the buyer to the seller according to the TU service for the order in response to determining that a payment condition for the payment specified in the smart contract is met.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: March 19, 2024
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventors: Qisheng Ma, Feifei Jin, Xuan Tao
  • Patent number: 11928744
    Abstract: A service engine determines whether there is a potential lack of transaction tax compliance in a plurality of jurisdictions for a plurality of entities. The service engine generates and/or transmits tax compliance data which may include information about potential lack of tax compliance of an entity in various jurisdictions based on rules about establishing nexus for purposes of remitting transaction tax in the jurisdictions. The tax compliance data may include a notification about the generation of the information, such as a notification to the entity that there exists a potential lack of tax compliance of that entity in specific jurisdictions. The service engine may update the tax compliance data dynamically and send corresponding notifications, automatically in real time or near real time for the applicable entity as sales of the entity change and/or rules for establishing nexus change for various jurisdictions.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: March 12, 2024
    Assignee: Avalara, Inc.
    Inventors: Seth Therrien, Jonathan Parramore, Sujoy Paul, Trevor Thomas, Kelly Woznicki, Jacob Wallace Bixby, Kevin Robert Halverson
  • Patent number: 11922414
    Abstract: A mempool of a miner of a blockchain system is accessed. The mempool contains at least a first transaction and a second transaction. A determination is made that the first transaction and the second transaction are related to each other. In response to the determination, the first transaction and the second transaction are linked. The linking of the first and second transactions comprises aggregating data associated with the first transaction and the second transaction into an aggregated data set. The aggregated data set is written into a single block of the blockchain system.
    Type: Grant
    Filed: December 30, 2021
    Date of Patent: March 5, 2024
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 11917510
    Abstract: One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location.
    Type: Grant
    Filed: September 30, 2021
    Date of Patent: February 27, 2024
    Assignee: PAYPAL, INC.
    Inventors: Kent Griffin, John Hastings Granbery, Hill Ferguson, David Marcus, Michael Charles Todasco
  • Patent number: 11908017
    Abstract: Document creation systems and methods are provided for a potential risk relationship between an enterprise and an entity. A back-end application computer server may include a data collection engine to exchange information with a remote entity device associated with the entity. A bundle creation engine may receive the information about the entity and automatically and dynamically create a potential bundle of optional risk relationship components (each associated with an electronic file representing an optional risk relationship component document). A presentation engine may present information about the potential bundle and receive an indication of a selected subset of the potential bundle of optional risk relationship components. A final document construction engine may automatically construct, based on the selected subset and associated electronic files representing component documents, an electronic file representing a risk relationship package document to be transmitted to the remote entity device.
    Type: Grant
    Filed: May 11, 2021
    Date of Patent: February 20, 2024
    Inventors: Kristin Elizabeth Atherton, Bruce D. Betancourt, Lauren Charlotte Elliott, Laura O'Connor Hanson, Barkley Scott Harris, M. Gary Letscher, Diana Reihl, Catherine M. Sommer
  • Patent number: 11900338
    Abstract: Systems and methods are provided for processing global CBDC transactions in a blockchain supported network, where domestic and foreign banking institutions may provide mutual hosting of a consortium blockchain to allow more seamless and direct CBDC supported transactions, and CBDC exchanges in real-time or near-real time.
    Type: Grant
    Filed: September 17, 2021
    Date of Patent: February 13, 2024
    Assignee: TraDove, Inc.
    Inventor: Jun Yan
  • Patent number: 11900356
    Abstract: A customer uses a mobile device to verbally request an offer that includes an incentive to transact at a merchant's brick and mortar store in the customer's local community in exchange for the merchant's agreement to make an auditable donation to a charity serving the local community. Business rules limit the merchant's charitable donations over calendar periods, which donations can be made directly by the merchant to the community charity, or indirectly to the charity by way of a blind donation made by the merchant to a donation disbursement agency acting on the merchant's behalf to satisfy the merchant's commitment to donate.
    Type: Grant
    Filed: April 8, 2021
    Date of Patent: February 13, 2024
    Inventor: Terrance Patrick Tietzen
  • Patent number: 11900473
    Abstract: A method of preventing healthcare fraud-waste-abuse uses artificial intelligence machines to limit financial losses. Healthcare payment request claims are analyzed by predictive models and their behavioral details are compared to running profiles unique to each healthcare provider submitting the claims. A decision results that the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive. If it is, a second analysis of a group behavioral in which the healthcare provider is clustered using unsupervised learning algorithms and compared to a running profile unique to each group of healthcare providers submitting the claims. An overriding decision results if the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive according to group behavior.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: February 13, 2024
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11887185
    Abstract: The invention provides a method and system for a financial institution for capturing the business of a financial services customer. The system may include a data access system for obtaining and storing data; and an analysis system for processing the data. The analysis system (1) selects a study group of customers from the data; (2) observes the study group so as to produce a profile of each study group customer's financial information; (3) produces a mathematical representation of an interrelationship between study group customers' profiles and the data; (4) applies the mathematical representation to customers not within the study group in order to estimate those customers' profiles; (5) identifies a portion of the customer's monetary flow eligible to be conducted through the financial institution, the identification based in part on the customer's profile; and (6) does not require direct input from the customer.
    Type: Grant
    Filed: July 25, 2019
    Date of Patent: January 30, 2024
    Inventors: Christopher R. Conrad, Chris Hurlebaus, Guoxing Sha, Pavel Nedanov
  • Patent number: 11887122
    Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for payment based on wireless communication and biological features. One of the methods includes determining at least one wireless communications device is within a wireless communication range of a payment collection system. Data specifying at least one account associated with the at least one wireless communications device and data specifying a biometric feature associated with the at least one account is obtained from a payment platform. The payment collection system collects a target biometric feature of a target user. In response to determining that the target biometric feature matches the biometric feature associated with the at least one account, a target account of the target user is determined based on the at least one account, and a deduction operation is performed on the target account.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: January 30, 2024
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventor: Jinliang Zhou
  • Patent number: 11875397
    Abstract: Image-based processing of sources of financial information for financial transactions is provided. A device is enabled to acquire one or more images including a representation of a source of financial information. The device can validate the source, independent of the financial information in a preliminary analysis. If the source is validated, one or more images are used to acquire the financial information. The financial information is then validated. If the financial information is valid, authorization of the financial transaction can be initiated.
    Type: Grant
    Filed: September 3, 2019
    Date of Patent: January 16, 2024
    Assignee: PAYPAL, INC.
    Inventors: Michael Mettler, Josh Bleecher Snyder
  • Patent number: 11854089
    Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.
    Type: Grant
    Filed: November 12, 2021
    Date of Patent: December 26, 2023
    Assignee: Allstate Insurance Company
    Inventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
  • Patent number: 11853854
    Abstract: An automated method of predictive model development first cleans up raw supervised and unsupervised training data with a step that uses an algorithm to make every field of every record consistent, cohesive, and productive. Then the resulting flat data is given texture in a next step by a data enrichment algorithm that culls fields that do not contribute to predictive model building and that adds new fields computed from data combinations that are tested to add value to later steps that build different types of predictive models. Another late step for building smart-agents and their entity profiles uses another algorithm that benefits greatly from the cleaned and highly enriched training data. The predictive models and smart-agents and their entity profiles are then rendered as deliverable predictive model markup language documents in a final step executed by a specialized algorithm.
    Type: Grant
    Filed: January 20, 2021
    Date of Patent: December 26, 2023
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 11847658
    Abstract: A system for crowdsourcing annotations for transactions includes a crowdsourcing annotation database and a processor. The database stores crowdsourced annotations associated with merchants. The crowdsourced annotations are shared among, and contributed by, users of a community. The processor receives transaction data for a transaction by a user with a merchant. Relevant crowdsourced annotations associated with the merchant are retrieved from the database and sent to the user to enable to the user to annotate the transaction. The user provides an annotation for the transaction. The system dynamically updates the database based on the annotation provided by the user.
    Type: Grant
    Filed: September 2, 2020
    Date of Patent: December 19, 2023
    Inventors: Bryant Yee, Mykhaylo Bulgakov, George Leon Bergeron, IV
  • Patent number: 11836703
    Abstract: Embodiments of the present specification provide methods and apparatuses for generating two-dimensional codes. One method comprising: receiving, by a secure element chip comprised in a two-dimensional code display device, code information comprising an account identifier of an account associated with the two-dimensional code display device; in response to obtaining a digital certificate for a private key stored in the secure element chip, signing, by the security element chip, the code information by using the private key to generate signed code information; and providing, the signed code information to the two-dimensional code display device for the two-dimensional code display device to generate and display a two-dimensional code based on the code information, wherein the two-dimensional code comprises information associated with the account identifier and changes dynamically over time.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: December 5, 2023
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Zhe Han, Mengxue Zheng, Jun Wu