Patents Examined by Robert R Niquette
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Patent number: 11488092Abstract: Various embodiments provide systems, methods, and computer program products for dynamically monitoring transport of a plurality of packages potentially containing regulated goods so as to ensure compliance with one or more regulations within a plurality of jurisdictions. The embodiments utilize one or more computer processors or one or more executable portions to: receive transport data associated with the transport of at least one of the plurality of packages and regulatory data associated with the at least one jurisdiction in which transport occurs; determine whether the one of the plurality of packages contains at least one regulated good; if the presence of at least one regulated good is determined, validate consignor data and the transport data; whereby in response to an unsuccessful validation, at least one report is generated to prevent or otherwise mitigate transport of the one of the plurality of packages in the at least one identified jurisdiction.Type: GrantFiled: November 6, 2020Date of Patent: November 1, 2022Assignee: UNITED PARCEL SERVICE OF AMERICA, INC.Inventors: Dave Gittings, Bradley Cook
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Patent number: 11475522Abstract: The disclosed embodiments relate to a user interface which enables a trader to define a bilaterally negotiated strategy, including the agreed upon total price, and the component transactions, and automatically, e.g. with a single action, calculate at least one set of prices for all of the component transactions which mathematically net out to the agreed upon total price, conforms to fair and reasonable live market prices, and adheres to venue pricing rules, such as tick increment/size.Type: GrantFiled: May 28, 2021Date of Patent: October 18, 2022Assignee: Chicago Mercantile Exchange Inc.Inventors: David Vincent Scuilli, Carrick John Pierce, Nicholas Joseph Howard, Michael Cameron Stanley, Anthony George Andriacchi
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Patent number: 11455624Abstract: A payment system for a transaction between a user and a merchant includes establishing user account and merchant accounts with an mCreds processing agent, loading consumer credit into a consumer account of a user computing device associated with a permanent identifier, identifying a desired transaction by the user on a computer server; accessing a merchant account, authenticating the user by comparing a provided user credential provided by the user with the user credential present in the database, authenticating the user computing device by comparing a provided user device identifier with the permanent user device identifier present in the database, and processing a debit to the user mCreds account and a credit to the merchant mobile credit account.Type: GrantFiled: April 17, 2020Date of Patent: September 27, 2022Assignee: Dave's Slingshot, LLCInventors: John Leonard Snyder, Andrew Anthony Boemi, Peter Charles Vogelberger
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Patent number: 11449932Abstract: A query request is forwarded to a plurality of service provider servers by a proxy server that determines a serial number based on the query request. An encrypted query result corresponding to the query request is received from each service provider server, and a copy of the encrypted query result is stored as a result to be audited in a blockchain that associated with each service provider server. An audit request is sent to at least one service provider server. The result to be audited is obtained from the blockchain corresponding to the service provider server. As a standard result, an encrypted query result is received from the service provider server. As an audit, the standard result received from the service provider server is compared with the result to be audited that obtained from the blockchain that associated with the service provider server.Type: GrantFiled: August 6, 2021Date of Patent: September 20, 2022Assignee: Advanced New Technologies Co., Ltd.Inventor: Pengfei Ying
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Patent number: 11429948Abstract: Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request.Type: GrantFiled: April 15, 2015Date of Patent: August 30, 2022Assignee: CAPITAL ONE SERVICES, LLCInventor: Andy Lipshultz
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Patent number: 11429965Abstract: A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memoType: GrantFiled: January 28, 2021Date of Patent: August 30, 2022Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Chandra Balasubramanian, Gary Bender, Mark Carlson, Edward Katzin, Francis M. Sherwin
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Patent number: 11416865Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.Type: GrantFiled: June 2, 2020Date of Patent: August 16, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Amitabh Awasthi
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Patent number: 11416945Abstract: Instances of claim data are received by an apparatus. Each instance of claim data corresponds to an entity. A claim vector is generated for each instance of claim data. The claim vector is added to a group of claim vectors that all correspond to a same entity. Each group of claim vectors is aggregated to generate an entity vector corresponding to the entity. Based at least in part on the entity vector and (a) an entity profile corresponding to the corresponding entity or (b) an entity cluster with which the entity is associated, at least one behavior signal value is determined for the entity. A behavior signal is amended to include the behavior signal value. The behavior signal comprises at least two behavior signal values. Each of the behavior signal values are associated with a different time period. The behavior signal is provided for display via an interactive user interface and/or further processing.Type: GrantFiled: January 21, 2020Date of Patent: August 16, 2022Assignee: Optum Services (Ireland) LimitedInventors: Ghasem Heyrani-Nobari, Jose Antonio Sierra Padilla
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Patent number: 11410745Abstract: Techniques are described that facilitate determining potential cancer gene therapy targets by joint modeling of cancer survival events. In one embodiment, a computer-implemented comprises employing, by a device operatively coupled to a processor, a multi-task learning model to determine active genetic factors respectively associated with different types of cancer based on cancer survival data and patient genomic data for groups of patients that respectively survived the different types of cancer. The computer-implemented method further comprises, determining, by the device, common active genetic factors of the active genetic factors that are shared between two or more types of cancer of the different types of cancer.Type: GrantFiled: June 18, 2018Date of Patent: August 9, 2022Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Zhaonan Sun, Zach Shahn, Ping Zhang, Fei Wang, Jianying Hu
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Patent number: 11403713Abstract: Aspects of the disclosures provide for configuring and transferring multiple data files including image data files using a mobile computing device. A mobile computing device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile computing device. The mobile computing device itself may also analyze the image files.Type: GrantFiled: September 21, 2020Date of Patent: August 2, 2022Assignee: ALLSTATE INSURANCE COMPANYInventors: Jennifer A. Brandmaier, Mark E. Faga, Robert H. Johnson, Daniel Koza, William Loo, Clint J. Marlow, Kurt M. Stricker
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Patent number: 11403611Abstract: A system and method for third-party food and dining ordering control, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them such as a parent setting up an account for a child or a doctor setting up an account for a patient, allowing the parent or doctor or other administrator to regulate what the sub-user such as the child or patient may purchase, in keeping with budget, diet, and lifestyle restrictions, and which may utilize zero-step authentication to allow for seamless use of the service at certain establishments.Type: GrantFiled: January 9, 2022Date of Patent: August 2, 2022Assignee: ROCKSPOON, INC.Inventor: Nagib Georges Mimassi
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Patent number: 11403708Abstract: A computerized financial risk management system is disclosed that includes risk tolerance test, expectation reality check and real-time risk monitor using graphs of returns and risks. Real-time risks are calculated daily based on a set of rolling short-term, medium-term and long-term time windows and graphs of annualized returns and risks for said set of time windows are provided for analysis.Type: GrantFiled: May 21, 2019Date of Patent: August 2, 2022Assignee: ANDES WEALTH TECHNOLOGIES, INCInventor: Jian Helen Yang
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Patent number: 11397945Abstract: Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.Type: GrantFiled: March 20, 2020Date of Patent: July 26, 2022Assignee: Worldpay, LLCInventors: Patrick James Moran, Nancy Joann Vance, Michele Suzanne Herron, Thomas Edward Rafferty
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Patent number: 11397986Abstract: In one implementation, a computer-implemented method, executed on a computing device and configured to effectuate a trading platform, includes: maintaining an omnibus (multi-client) cryptocurrency trading wallet for a plurality of clients; and maintaining a segregated (individual-client) cryptocurrency transfer wallet for each of the plurality of clients, thus defining a plurality of segregated (individual-client) cryptocurrency transfer wallets.Type: GrantFiled: September 30, 2019Date of Patent: July 26, 2022Assignee: STRIKE DERIVATIVES INC.Inventors: Charles R. Walden, Andrew D. Lawrence, Marcus J. Harte, Nikita Karpov, Brendan P. Flood, Benjamin A. Holzman
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Patent number: 11393027Abstract: Method and systems for monetizing financial brokerage accounts are disclosed. One aspect for certain embodiments includes mining data from financial brokerage accounts and monetizing the mined data and providing to the customer an unlimited number of free trades for an unlimited period of time.Type: GrantFiled: December 26, 2018Date of Patent: July 19, 2022Inventor: Andrew Garrett Sycoff
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Patent number: 11392953Abstract: An analytics computing system for analyzing payment transaction data to identify merchants having a recurring payment program is provided. The analytics computing system is configured to receive first payment transaction data for a plurality of transactions associated with a merchant, generate an actual transaction amount distribution, compare the actual transaction amount distribution to a stored model distribution, compare an angle distance to a predefined threshold value, and identify whether the merchant is a merchant performing recurring payment transactions. The analytics computing system is also configured to store that the merchant is a recurring payment merchant and alert an analyst that the merchant is a recurring payment merchant by transmitting an alert message to a user computing device in communication with the analytics computing device.Type: GrantFiled: August 31, 2020Date of Patent: July 19, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Joshua A. Allbright, Christopher John Merz
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Patent number: 11379918Abstract: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate. A computing device may determine a first remnant swap and a second remnant swap to blend the plurality of swaps using the determined fixed rates. This may reduce the gross notional and/or the total clearing line items associated with the original swaps. In some cases, the computing device may determine one single swap for blending the plurality of swaps.Type: GrantFiled: March 26, 2021Date of Patent: July 5, 2022Assignee: Chicago Mercantile Exchange Inc.Inventors: Wansu Zhan, Dhiraj Bawadhankar
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Patent number: 11373240Abstract: In some embodiments, the instant invention provides for specifically programming a computer machine to perform at lease: receiving, from a trader, a passive indication of interest (IOI) for a financial instrument, where the passive IOI is a bid or an offer and a resting liquidity; classifying the trader as at least: a trading type that is subject to a decline ratio calculation for crossing the passive IOIs, where the decline ratio calculation identifies how many eligible aggressive IOIs have been previously declined by the trader out of a total number of all eligible aggressive IOIs that were offered to such trader; receiving, from another trader, another IOI that is an aggressive IOI, where the aggressive IOI is available to be immediately crossed at the price; and determining, in real-time, an allocation of the aggressive IOI to the trader submitted the passive IOI based on the decline ratio of the trader.Type: GrantFiled: October 14, 2020Date of Patent: June 28, 2022Assignee: GREEN KEY TECHNOLOGIES, INC.Inventors: Anthony Tassone, Matt Martorello, Justin Martorello
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Patent number: 11367136Abstract: Systems and methods are disclosed that provide real-time pre-trade risk assessments for multiple parties. In one embodiment, a Programmable Logic Device (PLD) may be embedded within an Automated Trading Systems (ATS) architecture by utilizing the Intel socket G or the PCIe interface to provide pre-trade risk functionality. The system may also provide a method for interacting with the ATS DRAM or L1 cache to provide faster access to orders in ATS memory for PLDs. The system may use the Quick Path Interconnect between an embedded processor and a PLD to transfer memory maps. The system may also add additional libraries to an ATS processor to accelerate the transfer or memory maps to a PLD. The system also may use system interrupts to cancel erroneous orders within an ATS processor from a PLD housed within the same physical architecture.Type: GrantFiled: October 30, 2019Date of Patent: June 21, 2022Assignee: FIXNETIX LIMITEDInventors: Marcus Perrett, Paul Ellis, Hugh Hughes
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Patent number: 11361318Abstract: A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, byType: GrantFiled: January 3, 2020Date of Patent: June 14, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Cindi Pitz, Roopa Vaidya, Michael Cardamone