Patents Examined by Scott C Anderson
  • Patent number: 11922448
    Abstract: In supply-side information processing apparatus comprising at least one computer processor, a method for providing a user with intent-based ads may include: (1) receiving, from an intent broker, intent identifiers for intent categories of user intents; (2) communicating the intent identifiers to a demand-side platform, the demand-side platform comprising a plurality of advertisers and merchants; (3) receiving, from a supply-side SDK on a user electronic device, personal data for a user, wherein the supply-side SDK captures the personal data from a publisher application executed on the user electronic device; (4) retrieving, based on the personal data and from the intent broker, a user intent identifier for the user, the user intent identifier matching one of the intent categories; (5) communicating the user intent identifier to the supply-side SDK, wherein the supply-side SDK requests an intent-based ad from the demand-side platform using the user intent identifier.
    Type: Grant
    Filed: March 21, 2022
    Date of Patent: March 5, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Tuan Dao, Howard Spector, Ralph Darmo
  • Patent number: 11922402
    Abstract: Systems and methods are provided that authorize blockchain network transactions based on a work requirement. A blockchain network has a plurality of nodes. At least one node of the plurality of nodes is configured to determine whether a token has satisfied a work requirement. The work requirement represents participation of performing work within the blockchain network. The at least one node is further configured to approve a transaction as a function of determining that the work requirement has been satisfied and, to disapprove the transaction as a function of determining that the work requirement has not been satisfied. By enabling the transaction to be approved based on a work requirement, the token, for example, can be authenticated as having an inherent functional value. In this way, the blockchain network or token exchange can attest to the token not being a security, which would be subject to federal securities and regulations.
    Type: Grant
    Filed: August 11, 2022
    Date of Patent: March 5, 2024
    Assignee: FRONTAGE ROAD HOLDINGS, LLC
    Inventors: Josh Williams, Raymond A. Chiapuzio, Michael B. Li
  • Patent number: 11922502
    Abstract: Example methods, apparatus, and computer readable storage media are described and disclosed. An example method includes depicting a strategy node in a graphical user interface presented by a computing device. The strategy node represents a trading strategy associated with two or more tradeable objects. The example method includes generating a graphical connector between the strategy node and one of a plurality of contract nodes including at least a first contract node and a second contract node. Each contract node represents a contract associated with one of the tradeable objects. The example method includes repositioning, in response to an input received via the graphical interface, an endpoint of the graphical connector from the first contract node specified by the trading strategy to the second contract node. The example method also includes generating an updated trading strategy based on the trading strategy and the second contract node.
    Type: Grant
    Filed: December 9, 2022
    Date of Patent: March 5, 2024
    Assignee: Trading Technologies International, Inc.
    Inventor: Scott F. Singer
  • Patent number: 11922527
    Abstract: A system may include a first computing system that may include at least one processor. The at least one processor may receive a request for identification information associated with a user of the first computing device, such that the request is received from a second computing device. The at least one processor may then receive information regarding an entity associated with the second computing device, retrieve data comprising the identification information from a storage component, generate additional data comprising a portion of the identification information based on the information regarding the entity, and send the additional data to the second computing device.
    Type: Grant
    Filed: November 23, 2021
    Date of Patent: March 5, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Nathaniel Brett Wiatrek, Nathan Ryan Johnson, Julia Beatrice Isaac, Joshua Dowdy, Angela Dorothea Bowen, Jasmine Minjeong Jeong, Oscar Roberto Tijerina, Kevin Anthony Kossow
  • Patent number: 11922294
    Abstract: Systems and components for use with neural networks. An execution block and a system architecture using that execution block are disclosed. The execution block uses a fully connected stack of layers and one output is a forecast for a time series while another output is a backcast that can be used to determine a residual from the input to the execution block. The execution block uses a waveform generator sub-unit whose parameters can be judiciously selected to thereby constrain the possible set of waveforms generated. By doing so, the execution block specializes its function. The system using the execution block has been shown to be better than the state of the art in providing solutions to the time series problem.
    Type: Grant
    Filed: April 21, 2020
    Date of Patent: March 5, 2024
    Assignee: ServiceNow Canada Inc.
    Inventors: Boris Oreshkin, Dmitri Carpov
  • Patent number: 11911662
    Abstract: This application discloses a method to use sensors for games of skill relating to physical exercise. The method may employ the use of sensors that can collect data, including location using GPS, sense barometric pressure, steps walked, blood oxygen levels, navigational directions, gyroscopic movement, heart rate, and many other data types. Players may challenge other players to competitions wherein the players make a challenge wherein a winning player is rewarded a wager. Data collected by the sensors may be used for metrics to determine the winning player.
    Type: Grant
    Filed: November 22, 2022
    Date of Patent: February 27, 2024
    Assignee: Wunup LLC
    Inventor: Blake Richards
  • Patent number: 11907935
    Abstract: A system and method for reducing blockchain transaction delay are disclosed. The system consists of a trusted coin wallet framework that implements a trusted execution environment to initiate currency transactions between two clients. The trusted coin wallet framework includes an API proxy and a trusted shadow wallet. The method used by the trusted coin wallet framework involves interaction between the trusted shadow wallet and a peer trusted wallet owned by the other client, via the API proxy, from within the trusted execution environment. During these operations, the blockchain infrastructure is independently validating the transaction.
    Type: Grant
    Filed: September 1, 2021
    Date of Patent: February 20, 2024
    Assignee: Intel Corporation
    Inventors: Oleg Pogorelik, Guy Itzhaki, Rami Burstein
  • Patent number: 11907934
    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: January 9, 2023
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Ramanathan Ramanathan
  • Patent number: 11900355
    Abstract: The present disclosure generally relates to managing the use of transfer accounts using an electronic device. In accordance with some embodiments, user interfaces for inputting information about a secure credential to an electronic device are described. In accordance with some embodiments, user interfaces for managing the use of a credential provisioned on an electronic device that operates on stored power are described. In accordance with some embodiments, user interfaces for managing the use of a transfer account associated with different credentials on an electronic device are described.
    Type: Grant
    Filed: October 20, 2022
    Date of Patent: February 13, 2024
    Assignee: Apple Inc.
    Inventors: Marcel Van Os, Kristin M. Canavan, Allison W. Dryer
  • Patent number: 11893564
    Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.
    Type: Grant
    Filed: September 10, 2021
    Date of Patent: February 6, 2024
    Assignee: SYNCHRONY BANK
    Inventors: Michael Storiale, Lisa Hammond, William Kievit, Tiffanie Terry, Carter Hudson, Jake Miller
  • Patent number: 11887186
    Abstract: Computer systems and methods for managing resources are described.
    Type: Grant
    Filed: May 18, 2021
    Date of Patent: January 30, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Carlos Alejandro Kade, Anne Marie Morissette, Vijay Kumar, Caroline Bandiera, Adriann Teresa Coe
  • Patent number: 11887071
    Abstract: Systems and methods are described for monitoring content consumption. A method may comprise determining, by a device, content accessed by one or more user devices. The method may comprise causing a distributed ledger record to be generated. The distributed ledger record may comprise an indication of the content. The distributed ledger record may be stored on a distributed ledger. The distributed ledger may comprise other records indicating content accessed by a plurality of other devices.
    Type: Grant
    Filed: April 25, 2022
    Date of Patent: January 30, 2024
    Assignee: COMCAST CABLE COMMUNICATIONS, LLC
    Inventors: Abhijeet Vijay Mulye, Bernard Burg
  • Patent number: 11887127
    Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.
    Type: Grant
    Filed: March 24, 2022
    Date of Patent: January 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Abhinav Bhagwati Agrawal, Riken Shah, Joshua M. Wilbur, Samuel Fahler, Colleen Kerr, Jeffrey Samitt
  • Patent number: 11875410
    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: March 10, 2021
    Date of Patent: January 16, 2024
    Assignee: AMERICAN INTERNATIONAL GROUP, INC.
    Inventors: Siddhartha Dalal, Devasis Bassu, Promiti Dutta, Ashwath Aithal, Liangkai Zhang, Alvin Chou, Michael P. Castelli
  • Patent number: 11875318
    Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for processing a transaction. In one embodiment, a system is introduced that enables a communication between applications. The communication occurs through the use of one or more gestures that enable the request for information, funds, items for purchase and the like. In another embodiment, a system if introduced that enables a unified multi-marketplace communication. The communication includes the use of gestures for the transfer of information, funds, items for purchase, discounts, etc., using a unifying entity. The unifying entity can be a financial institution, payment provider, or the like that may be used to carry a transaction between applications allowing for a single checkout.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: January 16, 2024
    Assignee: PAYPAL, INC.
    Inventor: Rahul Nair
  • Patent number: 11861035
    Abstract: A computer-implemented method comprises linking a private AI model to a public AI model to thereby form a combined AI model comprising the private AI model and the public AI model; and training the combined AI model with private samples while keeping the public AI model fixed so that only the private AI model is trained with the private samples.
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: January 2, 2024
    Assignee: International Business Machines Corporation
    Inventors: Minsik Cho, Bumsoo Kang, Chungkuk Yoo
  • Patent number: 11861714
    Abstract: The described technology displays, at a GUI, a graph of one or more financial curves having one or more actionable indicators indicative of one or more tradable events associated with modeling and/or trading at least one market asset or financial instrument at a financial marketplace. The one or more indicators display a current real-time market value of a tradable event associated with the market asset or financial instrument. Input is received at the GUI from a trader to perform an action associated with the financial curve. In response to receiving the input, the action is initiated and the results are displayed at the GUI.
    Type: Grant
    Filed: April 14, 2022
    Date of Patent: January 2, 2024
    Assignee: Geneva Technologies, LLC
    Inventor: Robert S. Creamer
  • Patent number: 11861503
    Abstract: Embodiments relate to system for automatically predicting payer response to claims. In an embodiment, the system receives claim data associated with a claim. The system identifies a set of claim features of the claim data, and generates an input vector with at least a portion of the set of claim features. The system applies the input vector to a trained model. A first portion of the neural network is configured to generate an embedding representing the input vector with a lower dimensionality than the input vector. A second portion of the neural network is configured to generate a prediction of whether the claim will be denied based on the embedding. The system provides the prediction for display on a user interface of a user device. The prediction may further include denial reason codes and a response date estimation to indicate if, when, and why a claim will be denied.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: January 2, 2024
    Assignee: AKASA, Inc.
    Inventors: Byung-Hak Kim, Hariraam Varun Ganapathi, Andrew Atwal
  • Patent number: 11853982
    Abstract: A network computing system to provide an account management service for guiding user actions and providing users with information to facilitate decision making. In providing the account management services, the network computer system makes predictive determinations about the actions of service providers, in connection with specific actions of individual users.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: December 26, 2023
    Assignee: Freedom Financial Network, LLC
    Inventors: Michael Woodward, Jon Pedley, Jason Pack, John McCormick, Ryan Sepiol
  • Patent number: 11854074
    Abstract: A distributed computing system facilitates automatic loan agreements between syndicate participants. The system includes a blockchain comprising circuitry embodying a plurality of blockchain services. A membership service registers participants to the syndicate, generates a unique identifier for each of the participants, and verifies that a respective entity is a node on the blockchain. An oracle service retrievably stores loan terms templates provided by the participants via a centrally managed entity. A smart contracts service receives financial and/or geo-location data associated with the plurality of syndicate participants. A predictive analytics service uses the data to determine whether a first syndicate participant has an excess of funds and whether a second syndicate participant has a lack of funds. A loan service automatically facilitates a loan agreement between the first participant and the second participant.
    Type: Grant
    Filed: January 12, 2021
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz