Patents Issued in November 12, 2020
  • Publication number: 20200357027
    Abstract: A driving support system capable of collecting usage fees from a user using the system, and including an information acquiring part which acquires, from a vehicle side capable of acquiring marker identification information for identifying a detected magnetic marker, upload information including the marker identification information, a marker database having marker position data recorded therein as being linked to the marker identification information, an information providing part which provides the vehicle side with support information including the marker position data, a usage fee totalizing part which totalizes the usage fees to be charged to the vehicle side in accordance with a history of providing the support information, and a payment request part which transmits a withdrawal request to external server of a financial institution which manages an account from which the usage fees are withdrawn.
    Type: Application
    Filed: January 11, 2019
    Publication date: November 12, 2020
    Inventors: Michiharu YAMAMOTO, Tomohiko NAGAO, Hitoshi AOYAMA
  • Publication number: 20200357028
    Abstract: A computerised apparatus and method for increasing/optimizing retail market share/sales of a retailer/service provider and for decreasing/optimizing advertising expenses, use programmed modules and a user-interface, and include steps/modules for (a) creating and entering an advertisement-response module including parameters reflecting present/historical ad-expense, present/historical sales and present/historical promotions/incentives of said retailer into a programmed computer to obtain at least a first output; (b) creating and entering into said programmed computer a demand-forecast module including predetermined market-related parameters to obtain a second output, said at least first output being connected for ongoing processing; and (c) using said first and second outputs as computerized inputs into an advertisement expense-optimizer module to obtain a recommendation of permissible/projected future total advertisement expenses for said retailer/service provider.
    Type: Application
    Filed: July 20, 2020
    Publication date: November 12, 2020
    Inventor: Papa Rao S. Avasarala
  • Publication number: 20200357029
    Abstract: The invention relates to a method for assessing damage to a motor vehicle on the basis of at least one image file of the damaged motor vehicle, the method comprising the following steps: ascertaining, on the basis of the at least one image file, for a plurality of prespecified vehicle zones of the motor vehicle, whether there is damage to the vehicle zone, using a first database, which contains information regarding the vehicle zones of the motor vehicle, and using an artificial neural network, which is trained to detect damage in prespecified vehicle zones of motor vehicles determining damage severity in the vehicle zones in which damage has been ascertained, this determination being made on the basis of the image file and using the first database and the artificial neural network; establishing a degree of damage for each individual vehicle part within each damaged vehicle zone on the basis of the damage severity in the damaged vehicle zone by means of a second database, which specifies each vehicle part
    Type: Application
    Filed: May 8, 2020
    Publication date: November 12, 2020
    Inventors: Andreas Witte, Nicolas Witte, Sebastian Schoenen
  • Publication number: 20200357030
    Abstract: A monitoring platform may obtain information that identifies a product or service and may collect one or more reviews associated with the product or service from a plurality of sources, wherein each review includes respective review information. The monitoring platform may process the one or more reviews to determine respective additional review information associated with each review of the one or more reviews. The monitoring platform may select, using a machine learning model, a particular review, of the one or more reviews, based on the review information and the additional review information associated with the one or more reviews. The monitoring platform may cause display, on a display of a client device, of a prompt for a response to the particular review and may obtain the response from the client device. The monitoring platform may cause the response to be posted to a source associated with the particular review.
    Type: Application
    Filed: May 7, 2019
    Publication date: November 12, 2020
    Inventors: Jerry WAGNER, Mario MUNOZ
  • Publication number: 20200357031
    Abstract: Disclosed herein are system, method, and computer program product embodiments for pooling requirements, such as placing of multiple purchase orders, while preserving the privacy of the requirements provided by requesters placing the orders. The approach involves receiving first encrypted information comprising a first request from a first client and second encrypted information comprising a second request from a second client. An encrypted intersection result of the first request and the second request can then be calculated using the first encrypted information and the second encrypted information, in their encrypted form without the need to decrypt either.
    Type: Application
    Filed: May 10, 2019
    Publication date: November 12, 2020
    Inventors: Axel Schroepfer, Kilian Becher, Marcel Muth, Mirko Schaefer
  • Publication number: 20200357032
    Abstract: A customer service assistance apparatus 10 is provided with a video image acquisition unit 11 that acquires a video image of the inside of a store, a specifying unit 12 that specifies a product that a customer in the store is interested in and attributes of the customer based on the acquired video image, an information acquisition unit 13 that searches a specific database using the specified product and attributes as queries, and acquires content corresponding to the product and attributes that serve as queries, and the transmission unit 14 that transmits the acquired content to a terminal apparatus that is used by a store salesperson of the store.
    Type: Application
    Filed: November 6, 2018
    Publication date: November 12, 2020
    Applicant: NEC CORPORATION
    Inventors: Junko WATANABE, Hiromi YAMAGUCHI, Shinji NAKADAI
  • Publication number: 20200357033
    Abstract: Methods and systems are provided for supporting purchasing of goods or services from a provider. An example system may comprise a database operable to maintain identification data of a consumer; and a server operable to receive a purchase request from the consumer. The server may then add an alias to the purchase request, where the alias corresponds to the identification data of the consumer, and forward the purchase request with the alias to the provider. The aliased identification data is not accessible to the provider. In an example method, a server, in a communication network, may receive a purchase request sent by a consumer through the communication network. The server, which may maintain identification data of the consumer, may then substitute the identification data of the consumer with an alias, and may forward the purchase request with the alias to the provider. The identification data is not accessible to the provider.
    Type: Application
    Filed: August 19, 2014
    Publication date: November 12, 2020
    Inventors: Roger Lagadec, Didier Durand, Christophe Taddei
  • Publication number: 20200357034
    Abstract: A system and method for the management of services offered to subscribers by service providers are provided. A service management component manages service plan options that are provided by one or more service providers and that are made available to subscribers. The service management component processes requests from one or more service provider components to dynamically update service plan information. Such requests may include requests to add or delete service plans, add or delete features to a service plan, add or delete rule sets associated with a service plan, and the like. In this embodiment, the service management component maintains various data stores associated with available service plans and with current subscriber information that facilitate a mapping of updated service plan options to subscribers. Accordingly, the service management component manages a framework that allows the management of the mapping information.
    Type: Application
    Filed: July 24, 2020
    Publication date: November 12, 2020
    Inventor: Sheida Saedifaez
  • Publication number: 20200357035
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of shopping for large ticket items. The innovation provides a product portal through which a customer can shop for items digitally over an internet. Availability information can be provided regarding the item to the customer. Customer information is received from the customer. The customer information can include financial data. A customer financial capability is determined based on the financial data to determine whether the customer can purchase the item. A dynamic credit offer can be generated based on the customer financial capability and a cost associated with the item such that an alternate item or ancillary items may be offered depending on the customer financial capability. A demonstration is scheduled based on a demonstration availability and the customer availability.
    Type: Application
    Filed: June 8, 2018
    Publication date: November 12, 2020
    Inventor: Andres J. Saenz
  • Publication number: 20200357036
    Abstract: Embodiments provide computer apparatuses, computer systems and computer-executable methods for recommending a commercial item or entity to a consumer based on geographic zone data. The method includes receiving a first predetermined geographic zone, a first importance score associated with a consumer for the first predetermined geographic zone, and a second importance score associated with a commercial item or entity for the first predetermined geographic zone. The method also includes programmatically generating an overlap score based on the first and second importance scores, and programmatically generating a relevancy score based on the overlap score, the relevancy score indicating a probability that the commercial item or entity is of relevance to the consumer. The method further includes, based on the relevancy score, transmitting instructions to a computing device associated with the consumer to cause the computing device to render a representation of the commercial item or entity.
    Type: Application
    Filed: May 26, 2020
    Publication date: November 12, 2020
    Inventor: Daniel Langdon
  • Publication number: 20200357037
    Abstract: Embodiments provide computer apparatuses, computer systems and computer-executable methods for recommending a commercial item or entity to a consumer based on geographic zone data. The method includes receiving a first predetermined geographic zone, a first importance score associated with a consumer for the first predetermined geographic zone, and a second importance score associated with a commercial item or entity for the first predetermined geographic zone. The method also includes programmatically generating an overlap score based on the first and second importance scores, and programmatically generating a relevancy score based on the overlap score, the relevancy score indicating a probability that the commercial item or entity is of relevance to the consumer. The method further includes, based on the relevancy score, transmitting instructions to a computing device associated with the consumer to cause the computing device to render a representation of the commercial item or entity.
    Type: Application
    Filed: May 29, 2020
    Publication date: November 12, 2020
    Inventor: Daniel Langdon
  • Publication number: 20200357038
    Abstract: A computer-implemented product palletizing system and a method of product palletizing which includes processor in communication with a memory element containing a computer code executable to coordinate the discrete activities of one or more pickers and conveyor product sorting assembly to allocate a plurality of products to a plurality of pallets.
    Type: Application
    Filed: July 31, 2020
    Publication date: November 12, 2020
    Applicant: Encompass Technologies, LLP
    Inventor: Jonathan W. O'Neil
  • Publication number: 20200357039
    Abstract: Systems and methods for implementing point of advertising purchasing include using mass media publications configured for or containing service, product or vendor transmittable signals, such as from radio frequency identification tags. In a preferred arrangement, a consumer perceiving an advertisement of the mass media publication may activate a reader in a portable communications device, such as a smart mobile or cellular phone, to receive information from the radio frequency signal associated with the advertisement to identify a vendor, product or service associated with the radio frequency identification. The smart mobile phone or communications device of the consumer may communicate with a system of a vendor across a network to order a product or product information from a system of the vendor over the network by using the information from the radio frequency identification.
    Type: Application
    Filed: July 30, 2020
    Publication date: November 12, 2020
    Applicant: TTN HOLDINGS, LLC
    Inventors: Barry Bryant, Paul Staudt
  • Publication number: 20200357040
    Abstract: Systems, computer programs, and methods for coordinating automated components and employee activities to facilitate fulfillment of orders for items and/or services sold by retailers and made available for delivery or pick-up at a retail location are provided. In some embodiments, the methods comprise: receiving an order; selecting a preferred source location for each retail item in the order; preparing a first portion of the order at a fulfillment center; preparing a second portion of the order at a first store; preparing a third portion of the order at a second store; combining the first and second order portions and loading the combined order portions onto a transportation vehicle for transfer to the second store; and assembling the order including the first, second, and third order portions at the second store.
    Type: Application
    Filed: May 9, 2019
    Publication date: November 12, 2020
    Inventors: Kedar Dilip Patel, David Lee Goans, JR.
  • Publication number: 20200357041
    Abstract: A computer-implemented method for providing electronic recommendation engines and displays of an apparel subscription application may comprise determining a status of the user as being a valid user of electronic closet recommendation engines and displays of an apparel subscription application; determining, if the user is a valid user, a presence of apparel data in an assistant section of an electronic record corresponding to the user in a database of the electronic closet recommendation engines and displays; and launching the assistant section of a user interface of the apparel subscription application, if the apparel data is present in the assistant section of the electronic record.
    Type: Application
    Filed: November 27, 2019
    Publication date: November 12, 2020
    Inventors: Arnab BHATTACHARYA, Georgiy GOLDENBERG, Aurelien LABONNE
  • Publication number: 20200357042
    Abstract: Systems and methods according to present principles involved highlighting objects such as on a store shelf. Highlighting is displayed by projecting a light directly on the object by means of a light source or may alternatively be indicated by displaying an indicator or image of the object on a display screen. Information about the targeted object may appear in a headmounted display, on a user's mobile device, or may be projected on a surface via the projector. Information provided to a user may include comparison product data, data about potential allergens, and the like. Highlighting can also be employed to suggest items of interest to the user. For example, products may be recommended to a user through analysis of user data and such products illuminated by a projector as a user walks through a store. Other highlighted objects may be those on a user grocery list or the like.
    Type: Application
    Filed: May 26, 2020
    Publication date: November 12, 2020
    Inventors: Charles McCoy, Leo Pedlow, True Xiong
  • Publication number: 20200357043
    Abstract: Systems and methods for generating event templates for requested event types are described herein. In an embodiment, a server computer receives transactional data describing transactions between a plurality of computing devices. The server computer uses the transactional data to identify a plurality of instances of a particular event type by determining, for each instance, that a plurality of transactions associated with a particular computing device relate to an event of the particular event type. The server computer uses the transactional data related to the plurality of instances of the particular event type to determine a plurality of items for the particular event type. When the server computer receives a request from a client computing device to generate an event, the server computer generates and displays an event template which identifies the plurality of items.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Inventors: Justin Mehta, Andrew Miller, Scott Harris
  • Publication number: 20200357044
    Abstract: Online products and priorities of the online products are obtained, where the online products are waiting to be displayed on a product shelf. The product shelf includes at least two display slots, where each display slot of the at least two display slots displays one online product. An attention ranking of each display slot is determined based on a distance between each display slot and a visual center of the product shelf. An online product is displayed with a higher obtained priority in a particular display slot with a greater determined attention ranking.
    Type: Application
    Filed: July 28, 2020
    Publication date: November 12, 2020
    Applicant: Alibaba Group Holding Limited
    Inventor: Jie Li
  • Publication number: 20200357045
    Abstract: Aspects of this disclosure include technologies to detect unpackaged, unlabeled, or mislabeled products based on product images. Leveraging from improved machine learning techniques, the disclosed technical solution can reduce a full product space for product search to a partial product space. Accordingly, a limited number of product candidates in the partial product space may be visually presented for user evaluation. Sometimes, a product candidate is to be comparatively presented with a live image of the product via a uniquely designed graphic user interface, which further improves the confidence of the user and the accuracy of the underlying transaction.
    Type: Application
    Filed: June 27, 2019
    Publication date: November 12, 2020
    Inventors: SHENG GUO, HAOZHI ZHANG, WEILIN HUANG, TIANGANG ZHANG, YU GAO, LE YIN, MATTHEW ROBERT SCOTT
  • Publication number: 20200357046
    Abstract: Portable hand-held battery powered massagers and systems that allows for automated rental of the massager are disclosed. The system allow for the massagers to be freely rented anywhere within a vicinity without physical security and includes mobile devices and remote computing operating systems that communicate with each other and the massager. Activation of the massager is initiated automatically upon rental via independent control over the transmission of the power source to the electric motor that drives the massager tip. Built in GPS tracks, locates, and deters theft of massagers. Expiration of the rental time deactivates the massager and renders it inoperable.
    Type: Application
    Filed: May 7, 2020
    Publication date: November 12, 2020
    Inventor: Tristan William McGann
  • Publication number: 20200357047
    Abstract: A method and system of executing an online auction is presented. The system includes broker/agent-designed auction interfaces that have property listings, and displays select ones of the property listings from multiple brokers on a multi-tenant auction list user interface. Each of the property listings on the auction list user interface includes a link which, upon activation, launches the broker-designed auction interface where bids may be submitted.
    Type: Application
    Filed: May 7, 2020
    Publication date: November 12, 2020
    Inventors: David R. Stevenson, Kielo K. Stevenson, Harri J. Salomaa
  • Publication number: 20200357048
    Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.
    Type: Application
    Filed: December 9, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Christopher TAYLOR, Kelly CRAVENS, Nina MAKAN, Vivek SIMKHADA, Lun ZHANG, Bonnie HENRY, Patricia GRAZIOSE
  • Publication number: 20200357049
    Abstract: The subject disclosure relates to systems, methods, and devices that generate a financial behavior predictive model based on the one or more insights. In an aspect, the disclosure includes a system that can curate data from one or more data sources based on relevancy to behavioral data associated with a user financial profile to generate curated data.
    Type: Application
    Filed: April 25, 2020
    Publication date: November 12, 2020
    Inventors: SHERYL O'CONNOR, PHIL LUBINSKI, THOMAS O'CONNOR
  • Publication number: 20200357050
    Abstract: Methods and systems for automatically providing dynamic content for facilitating a transaction are described herein. An online marketplace is accessed by a client device over a network. A user identifier associated with the client device is passed to a payment service provider via a merchant system associated with the online market place. Dynamic content is generated by the payment service provider in response to the user identifier and subsequently served to the client device over the network.
    Type: Application
    Filed: May 26, 2020
    Publication date: November 12, 2020
    Inventors: Hugo Olliphant, Ray Tanaka, Alan Tien, Roy Vella
  • Publication number: 20200357051
    Abstract: Intelligently determining terms of conditional finance offers is described. In an example, a computing device can generate, at a first time, a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a term of the finance offer. At a second time, the computing device can determine whether to modify the term of the finance offer. The computing device can determine whether the term or the modified term of the finance offer is satisfied and can finalize the finance offer after the term or the modified term of the finance offer is satisfied, wherein finalizing the finance offer enables a buyer to purchase the item from the merchant using funds associated with the finance offer.
    Type: Application
    Filed: May 7, 2019
    Publication date: November 12, 2020
    Inventors: Taylor Hunt, Xingjie Liu
  • Publication number: 20200357052
    Abstract: Using a source of funds for multiple events associated with a finance offer and subsequently issued loan is described. In an example, a computing device can generate a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a down payment term of the finance offer. The computing device can receive, from a buyer, payment information associated with a source of funds for satisfying the down payment term of the finance offer and based at least in part on a determination that the down payment term has been satisfied the finance offer can be satisfied. In an example, the payment information, and the source of funds, can be involved with at least one other event associated with the finance offer or a loan generated responsive to finalizing the finance offer.
    Type: Application
    Filed: May 7, 2019
    Publication date: November 12, 2020
    Inventors: Taylor Hunt, Xingjie Liu
  • Publication number: 20200357053
    Abstract: A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor generates prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers. The revenue forecaster employs the historical POS data to predict future POS data for establishments corresponding to the each of the subscribers and employs the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period. The offer processor generates and transmits the capital product offers corresponding to the each of the subscribers, where the capital product offers comprise the payback period, the prices, and maximum dollar amounts that are a percentage of the predicted total revenues.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Inventors: Clement Masson, Alexander H. Hails, Benjamin Gordon
  • Publication number: 20200357054
    Abstract: A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor generates prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers. The revenue forecaster is coupled to the rate processor and is configured to employ the configured to employ the historical POS data and locations of establishments corresponding to the each of said subscribers to predict future POS data for the establishments corresponding to the each of the subscribers, and to employ the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Inventors: Kevin A. Vo, Jared J. Rand, Alan Z. Zhao
  • Publication number: 20200357055
    Abstract: A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers, and where each historical POS datum comprises an indicator denoting a season of the year in which the datum was generated. The revenue forecaster employs the historical POS data to predict future POS data for establishments corresponding to the each of the subscribers and employs the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Inventors: Alan Z. Zhao, Kevin A. Vo, Jared J. Rand
  • Publication number: 20200357056
    Abstract: A system for automated origination of capital client engagement is provided. The system includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to perform a binary logistic regression on subscriber data and metrics derived from historical POS data corresponding to subscribers of a point-of-sale (POS) subscription service to generate logistic regression coefficients that are used to calculate probability of default (PD) values for each of the subscribers, and configured to employ new subscriber data and metrics to generate updated PD values for the each of the subscribers.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Inventors: Alexander H. Hails, Clement Masson, Benjamin Gordon
  • Publication number: 20200357057
    Abstract: A system for dynamic origination of capital is provided. The system includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to perform a binary logistic regression on subscriber data and metrics derived from historical POS data corresponding to subscribers of a point-of-sale (POS) subscription service to generate logistic regression coefficients that are used to calculate probability of default (PD) values for each of the subscribers, and configured to employ new subscriber data and metrics to generate updated PD values for the each of the subscribers.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Inventors: Benjamin Gordon, Alexander H. Hails, Clement Masson
  • Publication number: 20200357058
    Abstract: A system for dynamic origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate a price for a capital product offer to a first subscriber of a point-of-sale (POS) subscription service, where the interest rate is generated by employing a probability of default (PD) value that is derived from historical POS data corresponding to all subscribers. The revenue forecaster is coupled to the rate processor and is configured to employ first historical POS data for an establishment corresponding to the first subscriber to predict future POS data using a neural network trained on the historical data corresponding to all subscribers, and to employ the future POS data to generate a predicted total revenue over a payback period for the first subscriber.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Inventors: Jared J. Rand, Kevin A. Vo, Alan Z. Zhao
  • Publication number: 20200357059
    Abstract: The present disclosure relates generally to a calculated probability that an income value has been misrepresented in a risk analysis system. For example, the system may apply first data to a first machine learning (ML) model to determine a conservative income prediction associated with the data and apply second data to a second ML model to determine a probability that an overstatement of the income value would result in a change in an approval determination.
    Type: Application
    Filed: May 7, 2019
    Publication date: November 12, 2020
    Applicant: PointPredictive Inc.
    Inventors: Michael J. Kennedy, Gregory Gancarz, Shi Shu
  • Publication number: 20200357060
    Abstract: An embodiment includes executing a machine learning risk prediction model representing a set of credit report data features and a default label space associated with transactions via a data processing system; receiving a request to approve an electronic application for a user; storing credit report data for the user in a user record; extracting a set of credit report data attributes from the user record; creating a feature vector comprising features representing the set of credit report data attributes extracted from the user record; determining a predicted default risk score for the user, comprising processing the feature vector using the machine learning risk prediction model; and updating the first user record for the first user by adding the predicted default risk score to the first user record, wherein the predicted default risk score is used by a data processing system to control an online application approval process.
    Type: Application
    Filed: May 11, 2020
    Publication date: November 12, 2020
    Inventors: Ruslana Dalinina, David Scott Boren, David Luan Nguyen, Gilad Meron Ashpis
  • Publication number: 20200357061
    Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.
    Type: Application
    Filed: May 26, 2020
    Publication date: November 12, 2020
    Inventors: Scott Edward Painter, Bowen Li, Mason Grey McLead, Matthew Donovan Cragin, Craig Michael Nehamen
  • Publication number: 20200357062
    Abstract: Provided is process, including: obtaining interaction-event records; determining, based on at least some of the interaction-event records, sets of event-risk scores, wherein: at least some respective event-risk scores are indicative of an effective of a respective risk ascribed by a first entity to a respective aspect of a second entity; and at least some respective event-risk scores are based on both: respective contributions of respective corresponding events to a subsequent event, and a risk ascribed to a subsequent event; and storing the sets of event-risk scores in memory.
    Type: Application
    Filed: July 23, 2020
    Publication date: November 12, 2020
    Inventors: Jean Belanger, Alain Briancon, James Stojanov, Gabriel M. Silberman
  • Publication number: 20200357063
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Publication number: 20200357064
    Abstract: A method, computer program product, and computer system for receiving, via the computing device, a visual representation of a tangible asset. The visual representation of the tangible asset may be divided into a plurality of portions. The plurality of portions of the visual representation of the tangible asset may be provided to at least one computing device for display within a graphical user interface of the at least one computing device. A user selection of at least one portion of the plurality of portions of the visual representation of the tangible asset may be received from the at least one computing device. The at least one selected portion of the visual representation of the tangible asset may be associated with the user.
    Type: Application
    Filed: May 7, 2020
    Publication date: November 12, 2020
    Inventors: Roozbeh Borhani, Jeremy Rosser
  • Publication number: 20200357065
    Abstract: Systems 100, 1000, methods, and machine-interpretable programming or other instruction products for the management of data transmission by multiple networked computing resources 106, 1106. In particular, the disclosure relates to the synchronization of related requests for transmitting data using distributed network resources.
    Type: Application
    Filed: May 21, 2020
    Publication date: November 12, 2020
    Inventors: Daniel AISEN, Bradley KATSUYAMA, Robert PARK, John SCHWALL, Richard STEINER, Allen ZHANG, Thomas L. POPEJOY
  • Publication number: 20200357066
    Abstract: A graphical user interface related to non-standard settlement trading in financial instruments is provided. The graphical user interface preferably includes a selectable portion of a display screen related to a financial instrument and a selectable tab for accessing a selectable portion of the display screen related to one or a plurality of non-standard settlement positions with respect to the financial instrument. In one embodiment of the invention, when the tab is selected, access is provided to the selectable portion of the display screen related to the plurality of non-standard settlement positions.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Inventor: Timothy H. Heaton
  • Publication number: 20200357067
    Abstract: The technology detects undesirable data packets. Data packets are received from multiple sources at one or more packet switches in a data communications network. The one or more packet switches route the data packets to one or more intended destination computing nodes and also transmit a copy of all the data packets received in the data communications network to a network capture device. The network capture device processes the data packets, detects financial data packets, and transmits the detected financial data packets for analysis by a risk exposure computer system that performs automatic financial risk analysis based on the detected financial data packets.
    Type: Application
    Filed: July 28, 2020
    Publication date: November 12, 2020
    Inventors: Brian KREIDER, Stephen COOPER
  • Publication number: 20200357068
    Abstract: A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity. As an example, the modification of how the market update is provided to the client entity may include providing less data in relation to market updates, and sending the market updates less frequently.
    Type: Application
    Filed: July 28, 2020
    Publication date: November 12, 2020
    Inventors: Stephen A. Schwarz, Michael J. Burns
  • Publication number: 20200357069
    Abstract: A financial planning system automatically chooses products and financing for goals in an individual's financial plan or financial strategy, in accordance with desired product characteristics, financing templates, and test criteria provided by the individual. The financial planning system automatically commits to product purchases and loans on behalf of the individual. Financing alone can be selected for goals, and automatically committed. Products without financing can be selected for goals, and automatically purchased. Reduced (anonymized) versions of the financial plans are automatically analyzed to create product demand curves by product type, and loan demand curves by loan type, and these demand curves are respectively sent to product suppliers and loan providers, to encourage commercial offers in accordance with the individuals' financial plans or financial strategies.
    Type: Application
    Filed: December 30, 2019
    Publication date: November 12, 2020
    Applicant: Wealth Technologies Inc.
    Inventors: Arthur M. Berd, Rohit M. D'Souza
  • Publication number: 20200357070
    Abstract: A technique to provide a return from an aggregate of an investment in a cash equivalent account and a leveraged index product account over a time period that is substantially equivalent to a multiple of the return of a theoretical position in an underlying index for the period of time is provided by calculating in a computer system a benchmark exposure of the theoretical position in the underlying index corresponding to the index used in the leveraged index fund; and based on the benchmark exposure, determining whether to initiate a transaction to re-allocate funds from the leveraged index product to a cash equivalent account or from the cash equivalent account to the leveraged index product according to the determined daily benchmark exposure.
    Type: Application
    Filed: May 22, 2020
    Publication date: November 12, 2020
    Inventor: Daniel D. O'Neill
  • Publication number: 20200357071
    Abstract: A system and method for providing personal investment recommendation to individuals according to their purchasing information.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Inventors: Jane BARRATT, Peter ZDANOWICZ
  • Publication number: 20200357072
    Abstract: Techniques for displaying market depth information for a financial instrument including a plurality of bid and ask order metrics at corresponding prices of the market instrument and associated time information. A graphical representation of the market depth information, with axes corresponding to time and price, is aligned with color gradients corresponding to one or more metrics including, for example, bid and ask order volume, order count, or order consideration, generated based on the market depth information. The graphical representation of the market depth information and the color gradients are displayed using a display device.
    Type: Application
    Filed: July 29, 2020
    Publication date: November 12, 2020
    Applicant: FIDESSA TRADING UK LIMITED
    Inventors: Bruce Bland, Oleh Danyliv
  • Publication number: 20200357073
    Abstract: The disclosed systems and methods facilitate identifying beneficiaries of matured insurance policies. In a preferred embodiment, the systems and methods leverage one or more websites, such as social media websites, to allow customers, family members, and other beneficiaries to search for and receive information about unclaimed matured policy proceeds. Optionally, users may also search for and receive information related to in-force policies. In cases where the insured is living, the systems and methods can update address and social security number records, enabling more effective policy administration and customer service going forward. The systems and methods may further distribute the matured policy proceeds to the identified beneficiary.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Inventors: Kathleen Schoos, Debra Cruz, Lawrence Vranka
  • Publication number: 20200357074
    Abstract: An insurance server accesses communications from at least one social media platform. The accessed communications include at least one of text data or image data. The insurance server determines a portion of the communications corresponds to a category of activity. For this category of activity, the insurance server determines a level of risk based on a potential for injury. Based on the level of risk for the category of activity, the insurance server identifies at least one insurance product. The insurance server further identifies a set of users associated with the portion of the communications and insures this set of users for the category of activity based on the at least one insurance product.
    Type: Application
    Filed: July 28, 2020
    Publication date: November 12, 2020
    Inventor: Terrance Luciani
  • Publication number: 20200357075
    Abstract: A system for managing insurance contracts is configured to (i) store a user profile of a user and a current user insurance contract associated with the user, the user profile including user preferences, (ii) access telematics data associated with the user, (iii) based upon the telematics data, generate a usage profile associated with the user, the usage profile including usage characteristics, (iv) associate the usage profile with the user profile, (v) receive offers for insurance contracts from a plurality of insurance providers, wherein each of the offers includes coverage options and target usage characteristics, (vi) for each of the offers, compare the corresponding coverage options to the user preferences and the target usage characteristics to the usage characteristics associated with the user, (vii) automatically determine a desired offer based upon the comparison, and (viii) electronically update the current user insurance contract based upon the desired offer.
    Type: Application
    Filed: July 28, 2020
    Publication date: November 12, 2020
    Inventor: Eric Dahl
  • Publication number: 20200357076
    Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. If a number of risk units in a risk unit account is below a predetermined threshold, a notification may be transmitted to the user and/or a predetermined number of risk units may be automatically added to the risk unit account.
    Type: Application
    Filed: July 29, 2020
    Publication date: November 12, 2020
    Inventors: Edward A. Biemer, Grady Irey, Caryl M. Styrsky