Patents Examined by Scott C Anderson
  • Patent number: 11005646
    Abstract: A blockchain may be used as a stochastic timer. The posting of a blockchain solution for verification may be a trigger that determines an event schedule. Because the only entity that knows when the solution will be posted is the solving entity, the solving entity may be rewarded with the ability to potentially exploit this knowledge. However, because the solving of a blockchain is a competitive process, there is a risk that if the solving entity retains the solution for greater exploitation, then another entity will post the solution and therefore gain the benefit. A blockchain stochastic timer can thus provide the necessary incentive for entities to invest computational resources into blockchain solutions.
    Type: Grant
    Filed: May 23, 2018
    Date of Patent: May 11, 2021
    Assignee: International Business Machines Corporation
    Inventors: Jonathan Fry, Christopher J. Penny, James Demarest, Marc Bergendahl, Jean Wynne, Christopher J. Waskiewicz
  • Patent number: 10997588
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a sensor layer that may detect and identify a card free fall and/or subsequent impact, which may trigger a microcontroller to send a mobile notification to a cardholder notifying the user that the card has been dropped, and/or may disable or deactivate the card and/or a user account associated with the card, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.
    Type: Grant
    Filed: June 5, 2019
    Date of Patent: May 4, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, David Wurmfeld, Adam Koeppel, Kevin Kelly, James Zarakas
  • Patent number: 10997660
    Abstract: Techniques are disclosed to calculate a “life script.” The life script may include various behaviors and/or monetary allocations required for a user to meet one or more user-defined objectives. These objectives may indicate various lifestyle habits desired by the user such as where to live, a maximum commuting time to work, how often to travel, etc. Because each of these objectives requires the user to allocate his funds in a certain way and to live in accordance with a particular set of restraints, user information may be collected and aggregated from several sources to generate a user profile indicating the user's financial information, demographics, psychographics, and lifestyle information. The user profile may then be analyzed to calculate a constraint framework that guides the generation of a life script to allow the user to achieve the desired objectives.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: May 4, 2021
    Assignee: BlueOwl, LLC
    Inventors: Eric Webster, Susan Beigie, Kyle Schmitt, Leif Agerholm Roll, Kathleen Lenzini, Sarah Mineau
  • Patent number: 10990969
    Abstract: Payment readers can variously have kernels of different generations, capable of performing different (or different suites of) payment processing functions. A payment reader may be designed to obtain raw payment data from a payment device, process that data if appropriate, and transmit the data to a mobile device external to the payment reader, the mobile device having similar, more, or different processing resources than the payment reader. A mobile device is capable of determining the type and source of payment data received, for example on whether the data is processed or raw (processed data). The mobile device may then selectively determine whether and how to process the payment data and to transmit it to a payment server for approval of a payment transaction.
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: April 27, 2021
    Assignee: Square, Inc.
    Inventors: Murat Cat, Gokhan Aydeniz, Anthony Newpower
  • Patent number: 10991004
    Abstract: Computer-readable media, computer systems, and computing devices of a method for facilitating providing offers utilizing population densities are provided. In embodiments, a population density for a geographical space is determined based on locations of a plurality of user devices. The population density associated with the geographical space is used to determine to provide an electronic offer to a user. The electronic offer may be associated with an item in the geographical space to entice the user to move to the geographical space. In accordance with determining to provide an electronic offer to the user, the electronic offer is provided for viewing by the user via a user device.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: April 27, 2021
    Assignee: ADOBE INC.
    Inventors: Sachin Soni, Suryadeep Kumar Agrawal, Walter W. Chang, Anmol Dhawan, Ashish Duggal
  • Patent number: 10990955
    Abstract: A method for contactless withdrawal at an automated teller machine includes: receiving, by a receiver of a computing device, a first signal indicating proximity to a first predetermined geographic location; displaying, by a display interfaced with the computing device, a prompt associated with the predetermined geographic location; receiving, by an input device interfaced with the computing device, one or more parameters and a credential selection; receiving, by the computing device, a second signal indicating proximity to a second predetermined geographic location; and transmitting, by a transmitter of the computing device, at least the one or more parameters and credentials associated with the credential selection to an automated teller machine located at the second predetermined geographic location.
    Type: Grant
    Filed: May 10, 2019
    Date of Patent: April 27, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Susan Skelsey, Stephane Wyper, Peter Balsavias, Kelley McDermott
  • Patent number: 10984477
    Abstract: A computer-implemented method incorporating machine learning (e.g., a support vector machine) for predicting worldwide box office performance of a film prior to its release date, wherein the predicted performance determination is based upon a total audience size relative to a corresponding movie production budget. Total audience size estimate relative to movie production budget is based upon objective likely patterns of competitive dynamics on a particular date, without reliance upon potentially-misleading subjective evaluations.
    Type: Grant
    Filed: April 29, 2020
    Date of Patent: April 20, 2021
    Inventor: Michael C. Winfield
  • Patent number: 10984400
    Abstract: Systems and methods for using shared user inventory information to initiate peer-to-peer exchanges of digital assets that are usable within an online gaming platform are disclosed. Exemplary implementations may: receive a sharing request for information regarding a first user inventory; access a blockchain to obtain asset information; transfer the asset information in response to the sharing request; receive an offer request for the transfer of ownership of a first digital asset from a first user to a second user; if the offer according to the offer request is accepted, receive a transfer request and transfer the ownership of the first digital asset as requested.
    Type: Grant
    Filed: January 5, 2021
    Date of Patent: April 20, 2021
    Assignee: Mythical, Inc.
    Inventor: Rudy Koch
  • Patent number: 10977679
    Abstract: Systems and methods to dynamically combine offer data records in accordance with predetermined rules such that the data records that are required to be monitored for processing are reduced and the computation efficiency in processing the transactions and relevant offers is improved in a transaction handler configured on an electronic processing network to process a huge amount of transactions in real time and a rapidly increasing number of offers.
    Type: Grant
    Filed: June 7, 2019
    Date of Patent: April 13, 2021
    Assignee: Visa International Service Association
    Inventors: Ilker Celikyilmaz, Raman Chinnappan
  • Patent number: 10977740
    Abstract: Disclosed is a system and method to automatically identify property-related risks through the use of computer vision, sensors, and/or building information models (BIMs). The ability to automatically identify a variety of hazards helps mitigate the associated risks, and thus reduces the number of accidents or fatalities that would otherwise occur. In some embodiments, a “risk map” can be generated by mapping the identified risks for a given property.
    Type: Grant
    Filed: April 30, 2020
    Date of Patent: April 13, 2021
    Assignee: AMERICAN INTERNATIONAL GROUP, INC.
    Inventors: Siddhartha Dalal, Devasis Bassu, Promiti Dutta, Ashwath Aithal, Liangkai Zhang, Alvin Chou, Michael P. Castelli
  • Patent number: 10963961
    Abstract: Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: March 30, 2021
    Assignee: Experian Information Solutions, Inc.
    Inventors: Luz M. Torrez, Adam Thomas Kornegay
  • Patent number: 10963873
    Abstract: Systems and methods are provided for use in distributing one or more services to edge devices in a payment network and for monitoring distributed processing devices associated with the payment network by a network of nodes of the payment network. One exemplary method includes receiving, at a first node of the network of nodes, a request for data from a client and identifying, by the first node, a second node as including the data. The method also includes forwarding the request for the data to the second node, and providing the data to the client, by the first node, in response to the request, upon receipt of the data from the second node, whereby the network of nodes fulfills the request for the data even when the data is included in the second node and the request is received at the first node.
    Type: Grant
    Filed: April 14, 2017
    Date of Patent: March 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Proctor, Daniel E. Moore
  • Patent number: 10963917
    Abstract: A method of determining a fact of a visit of a user to a point of interest (POI) includes receiving a wireless device identifier of the user's wireless device and based thereon determining a set of local area communication features of a local area communication module of the wireless device. These features are inputted into a Machine Learning Algorithm (MLA) trained using a set of heuristics applied to training sets of local area communication features of training wireless devices. The MLA outputs, based on the set of local area communication features of the local area communication module of the wireless device, an indication of whether the user visited the POI. A server for executing the method is also provided.
    Type: Grant
    Filed: September 17, 2019
    Date of Patent: March 30, 2021
    Assignee: YANDEX EUROPE AG
    Inventors: Alexandr Leonidovich Shishkin, Irina Anatolievna Goltsman, Danil Vadimovich Petrov, Denis Evgenievich Shaposhnikov
  • Patent number: 10963965
    Abstract: Various examples are directed to computer-implemented systems and methods for providing a triage tool for investment advising. A method includes displaying by a processor of a computer, an image on a graphical user interface (GUI) of a device of a user. The image includes information related to financial account management for the user. Input options are provided to the user on the GUI including at least two directional swipe input options to obtain the user's positive or negative response to the image. The processor receives the user's response to the input options, and determines a profile of the user based on the user's response to the input options. The processor provides directed financial investment advice and tailored financial products, based on the profile of the user, to increase applicability and effectiveness of wealth management for the user.
    Type: Grant
    Filed: July 17, 2018
    Date of Patent: March 30, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Riley Warren Hughes, Waila Jameelah Skinner, Craig N. Strubing, Ashwin George Jose, Timothy J. Hykes
  • Patent number: 10949919
    Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: March 16, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Benjamin Tarmann, Richard R. Rhodes, Lokesh Awasthy, Denise DeRoeck, Jaime Skaggs, Jacob J. Alt, Shanna L. Phillips, Shyam Tummala, Matthew S. Meierotto, Richard D. Groonwald, Brian J. Hughes
  • Patent number: 10949854
    Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.
    Type: Grant
    Filed: August 14, 2019
    Date of Patent: March 16, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Timothy Kramme, Elizabeth Flowers, Reena Batra, Miriam Valero, Puneit Dua, Shanna L Phillips, Russell Ruestman, Bradley A Craig
  • Patent number: 10949910
    Abstract: A media enhanced shopping cart system comprises a shopping cart, a locationing component, and a display component for displaying at least one advertisement for a product based on the location of the shopping cart within the store, wherein the locationing component is further operable to determine a location of the product within the store relative to the shopping cart, and wherein the display component is further operable to display an indication of the location of the advertised product relative to the location of the shopping cart.
    Type: Grant
    Filed: November 18, 2014
    Date of Patent: March 16, 2021
    Assignee: Media Cart Holdings, Inc.
    Inventors: Steve Carpenter, David Brice
  • Patent number: 10949837
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for providing P2P lending through mobile wallets. The P2P lending may utilize a central registry or be a fully distributed P2P system. In some examples, the use of a network accessible P2P loan service may simplify the discovery and communication with other mobile wallets throughout the process of obtaining a loan.
    Type: Grant
    Filed: August 5, 2020
    Date of Patent: March 16, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Ramanathan Ramanathan
  • Patent number: 10949814
    Abstract: Intelligent vehicle repair estimating techniques include an image processing component that extracts image attributes from one or more images of a damaged vehicle, and utilizes the attributes to predict an initial set of parts that are globally-identified. Based on a jurisdiction associated with the damaged vehicle, the initial set of parts is transformed into a set of jurisdictionally-based repairs (e.g., parts, labor operations, time intervals, costs, etc.), which may be included in a draft vehicle repair estimate. An estimate refinement component iteratively modifies/refines the draft estimate using a machine-only loop nested within a larger human-machine loop, where system-generated modifications are incrementally incorporated into the draft within the smaller loop, and user-generated modifications are incrementally incorporated into the draft within the larger loop.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: March 16, 2021
    Assignee: CCC INFORMATION SERVICES INC.
    Inventors: Ronald Nelson, John L. Haller, Christoph Plenio, Ehsan Mohammady Ardehaly, Ranjini Vaidyanathan
  • Patent number: 10943301
    Abstract: Techniques for building and managing data models are provided. According to certain aspects, systems and methods may enable a user to input parameters associated with building one or more data models, including parameters associated with sampling, binning, and other factors. The systems and methods may automatically generate program code that corresponds to the inputted parameters and display the program code for review by the user. The systems and methods may build the data models and generate charts and plots depicting aspects of the data models. Additionally, the systems and methods may combine data models and select champion data models.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: March 9, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Weixin Wu, Phillip Sangpil Moon, Scott Farris