Abstract: The invention relates to a computer implemented campaign management system (CAMS), the system including a graphical user interface (GUI), the management system (CAMS) processing a plurality of participant records (PREC) according to a user-configured process structure (PS) of a plurality of configured logic templates (CLT); wherein the participant records (PREC) comprise participant attributes (PA), and wherein the processing of participant records involves processing or modification of one or more of the participant attributes (PA) of the participant record (PREC), wherein the management system reads, processes and/or modifies participant attributes (PA) of participant records (PREC) by a sequence of one of more executable program fragments (EPF) according to the process structure (PS) and wherein the execution of one of more executable program fragments (EPF) can be suspended in response to user action (UACT) and/or participant action (PACT) and wherein the execution of the process structure can be resumed
Type:
Grant
Filed:
July 2, 2020
Date of Patent:
May 23, 2023
Assignee:
BSI Business Systems Integration AG
Inventors:
Andreas Bur, Paolo Emilio Andrea Bazzi, Beat Schwarzentrub
Abstract: The process of obtaining an insurance quote is currently based on information provided by filing online forms. Insurance companies use the consumer input data from online the forms to provide a quote for property insurance and for insurance underwriting. To complete the underwriting, the insurance companies have to make assumptions on various factors; for example, the structure and layout of a consumer's home, what type of content the consumer owns, its value, and its condition, among several others. It is desirable to get more accurate data on the consumer content, the structure and layout of the home, as well as other factors (e.g., hazards such as whether a house is on a canyon) in an automated fashion which would let insurance companies underwrite policies with a more accurate risk profile as well as save costs by not having to send an onsite inspector.
Type:
Grant
Filed:
March 5, 2021
Date of Patent:
May 23, 2023
Assignee:
YEMBO, INC.
Inventors:
Devin Waltman, Siddharth Mohan, Anoop Jakka, Marc Eder, Maciej Halber, Zachary Rattner
Abstract: A system for constructing an environmental, social and governance (ESG) optimized investment portfolio includes an ESG database, an alpha database, a user interface, and an ESG optimization engine. The ESG database includes ESG data for one or more investment products used to construct an investment portfolio. The alpha database includes alpha data for the one or more investment products used to construct the investment portfolio and the alpha data comprise rate of return data for the one or more investment products. The user interface is used for receiving a user's input for selecting an ESG optimization factor.
Abstract: In order to provide agile and dynamic portfolio management, systems and methods for underwriting and portfolio management include an ecosystem including a platform, including processing devices, communication interfaces, runtime environments, and databases, where the databases are configured to store ecosystem data, where the ecosystem data includes data associated with a plurality of systems. A service layer is in communication with the platform, the service layer including containers executed in the runtime environment and configured to implement microservices, where each of the containers include: at least one microservice and a datastore device configured to store domain-specific data. An orchestrator is in communication with the service layer, the orchestrator to schedule execution of the microservices according to bounded contexts coordinated with composite application programming interfaces (API) interfacing with a microservice specific API.
Type:
Grant
Filed:
July 14, 2021
Date of Patent:
May 16, 2023
Assignee:
Capital One Services, LLC
Inventors:
Jim Brocato, Alberto Silva, Victor Lombardi, Christopher Bowers
Abstract: An artificial intelligence-based multi-channel system and method to evaluate a buyer or consumer's intent to purchase benefits products. The system and method determine the buyer or consumer's needs, identifies and presents relevant benefits products based on eligibility to the buyer or consumer. The system and method can transfer the buyer or consumer to a producer to facilitate an enrollment process for the benefits products.
Abstract: Methods, systems, and computer program products for data filtering with fuzzy attribute association are provided herein. A computer-implemented method includes obtaining one or more rules, specified by an expert, that define a partial ranking of a plurality of fuzzy pairings between (i) a plurality of item attributes for items in a data catalog and (ii) a plurality of user attributes related to said items; generating an interactive session with the expert to resolve one or more ambiguities in the one or more rules; and deriving a scoring function based at least in part on (i) the one or more rules and (ii) the resolved one or more ambiguities, wherein the scoring function generates a comparative score between any two items of said data catalog for a given one of the users associated with the plurality of attributes.
Type:
Grant
Filed:
March 26, 2020
Date of Patent:
May 9, 2023
Assignee:
International Business Machines Corporation
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.
Abstract: In some embodiments, a method includes in response to an integration tag included in a webpage at a first user interface being executed at a mobile device, receiving a mobile device identifier and a request to retrieve a purchase identifier. The method includes sending a first signal causing a frame to be provided within the webpage at the first user interface. The method includes in response to a first user input, receiving a Hyper Text Transfer Protocol (HTTP) POST request and determining a uniform resource identifier (URI). The method includes retrieving purchase information and sending a HTTP response message including the URI of the second user interface and the purchase information to deeplink to the second user interface and to cause the second user interface to be rendered at the mobile device with the purchase information pre-populated in an input field of a text message.
Type:
Grant
Filed:
August 15, 2022
Date of Patent:
May 2, 2023
Assignee:
Attentive Mobile Inc.
Inventors:
Brian Long, Brooke Burdge, Andrew Jones, Eric Miao, Ryan Tsang, Ethan Lo, Elyssa Albert
Abstract: A computer-implemented method includes: obtaining, by a computing device, an original Personal Account Number (PAN) to be transformed; transforming, by the computing device, the original PAN to form a transformed PAN; performing, by the computing device, a verification on the transformed PAN; determining, by the computing device, whether the transformed PAN passes verification; and storing or outputting, by the computing device, the transformed PAN based on determining that the transformed PAN does not pass verification, wherein the original PAN is later recovered from the transformed PAN to process a transaction.
Type:
Grant
Filed:
November 8, 2018
Date of Patent:
April 25, 2023
Assignee:
INTERNATIONAL BUSINESS MACHINES CORPORATION
Abstract: A performance internet marketing self-optimizing, anthropomorphic, artificial intelligence-based system and method to quote, compare and purchase benefits products from a benefits provider. The system and method collects information from an online advertising platform during the process and returns the collected information to the online advertising platform for optimization of the online advertising platform.
Abstract: According to an aspect, a system for automating pricing desk operations is described. The system includes an input module configured to receive a proposed offer in relation to a financial product and associated context information; a machine learning module trained to classify offers according to positive or negative client; a processing module configured to optimize the proposed and an output module configured to transmit the optimized offer for communication to the client. According to additional aspects, a corresponding computer-implemented method, non-transitory computer-readable medium, and systems and methods for training a machine learning module are also described.
Type:
Grant
Filed:
July 21, 2021
Date of Patent:
April 25, 2023
Assignee:
BANQUE NATIONALE DU CANADA
Inventors:
Eric Charton, Yann-Edern L'Hour, Marie-Eve Malette, Julien Rizkallah-Leroux, Michel Descoteaux
Abstract: There is provided a method and system for carrying out two factor authentication, which renders an augmented reality environment or a virtual reality environment at the user device to depict an authentication object, and when a user interaction with the authentication object is detected, an authentication code received from an issuer server is displayed at the user device.
Type:
Grant
Filed:
April 18, 2018
Date of Patent:
April 25, 2023
Assignee:
MASTERCARD ASIA/PACIFIC PTE. LTD.
Inventors:
Rajat Maheshwari, Sunitha Miryala, Philip Wei Ping Yen
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:
February 5, 2021
Date of Patent:
April 25, 2023
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
Abstract: A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data, store the transaction data in a database, and perform a look up within the database. The CPP computing device is also configured to build a merchant table, receive a card list, and compare a plurality of flagged account identifiers in the card list to account identifiers in the merchant table. The CPP computing device is further configured to retrieve a unique merchant identifier and/or a merchant name identifier associated with the merchant table account identifiers matched with the flagged account identifiers, aggregate the unique merchant identifier using the merchant name identifier, and determine a first number of the flagged account identifiers associated with the merchant name identifier.
Type:
Grant
Filed:
May 24, 2021
Date of Patent:
April 18, 2023
Assignee:
MASTERCARD INTERNATIONAL INCORPORATED
Inventors:
Joshua A. Allbright, Christopher John Merz
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.
Abstract: The disclosure is directed to a trading platform and, more particularly, to systems and processes for simplifying market based investments using market sentiment and dynamic risk assessment profiles. A method implemented in a computer infrastructure has computer executable code tangibly embodied on a computer readable storage medium having programming instructions operable to: determine dynamic risk assessment profiles of different users; obtain trading information from disparate electronic sources; generate at least one investment opportunity with a risk profile using the trading information and matching the investment opportunity with the dynamic risk assessment profiles of a selected user or of the different users; and provide at least one trading recipe which is configured to convert the at least one investment opportunity into a simplified executable trade for the selected user.
Type:
Grant
Filed:
May 21, 2021
Date of Patent:
April 4, 2023
Assignee:
TTC HOLDINGS INC.
Inventors:
Matthew B. Trevathan, Matthew A. Terry, Andrew M. Calderon
Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.
Type:
Grant
Filed:
June 18, 2020
Date of Patent:
March 28, 2023
Assignee:
JPMORGAN CHASE BANK, N.A.
Inventors:
W. David Thomas, Claimonte Nelson, Dennis Bowers, Michael S. Hartman, Steven Noel Roth, Jagan Devisetty, Nagesh Chalasani, Jason J. Kim, Marianna Dulkina, Suzanne Dimant, Vakul Garg, Ajit Nalla, Daniel A. Haas, James Hennessey, Keith Reichenbach, Richard S. Bunke, Seth Goldkrantz, Stephani L. Breault, Steven Aller, Vidyasankar Narayanan, Wade A. Stratton, Margaret F. Evans, Kapil Bansal
Abstract: Embodiments provide an alert management and real-time remediation system. The system receives an electronic file that includes an overdraft allowance information data structure comprising overdraft allowance information and automatically parses the overdraft allowance information into overdraft allowance events for the associated customers. The system sends overdraft allowance notification messages to the associated customers. The message includes a link to an authentication interface of an institution associated with the customer. After the customer is authenticated, the system provides a user interface that displays overdraft allowance information for each overdraft allowance event associated with the customer and a display element for a payment option. Responsive to the customer selecting the payment option, the system sends a payment message that causes a transfer of a payment to the institution.
Abstract: The present teachings a method including: receiving a beacon signal, from a beacon signal provider when a user mobile device is within a range of the beacon signal provider; generating a first notification to transmit from the user mobile device to one or more contact mobile devices based on an associated protocol; transmitting the first notification to the one or more contact mobile devices; and receiving a shopping request from the one or more contact mobile devices; wherein communication between the user and the one or more contacts is automatically facilitated so that the user is relieved of establishing and maintaining communication with one or more contacts; and wherein communication with the one or more contacts by the first notification is undertaken substantially instantaneously upon receiving the beacon signal.
Abstract: Decentralized machine learning to build models is performed at nodes where local training datasets are generated. A blockchain platform may be used to coordinate decentralized machine learning over a series of iterations. For each iteration, a distributed ledger may be used to coordinate the nodes. Rules in the form of smart contracts may enforce node participation in an iteration of model building and parameter sharing, as well as provide logic for electing a node that serves as a master node for the iteration. The master node obtains model parameters from the nodes and generates final parameters based on the obtained parameters. The master node may write its state to the distributed ledger indicating that the final parameters are available. Each node, via its copy of the distributed ledger, may discover the master node's state and obtain and apply the final parameters to its local model, thereby learning from other nodes.
Type:
Grant
Filed:
October 17, 2018
Date of Patent:
March 14, 2023
Assignee:
Hewlett Packard Enterprise Development LP