Patents Issued in January 2, 2024
-
Patent number: 11861681Abstract: Systems and methods for integrated retail and ecommerce shopping platforms. A shopping system for selling products including: a shopping facility including a primary product storage area; at least one showroom; at least one delivery location; a transport system for moving products between locations within the primary product storage area, the at least one showroom and the at least one delivery location; an inventory control system; a network server in operational communication with the inventory control system and the transport system, the network server adapted to transmit interactive shopping interface pages over a network; and a customer client device associated with one of the customers adapted to receive and display the interactive shopping interface pages, for selectively displaying product information about the products sold by the shopping system, and receiving customer input regarding the selecting and deselecting of one or more of the products for possible purchase by the customer.Type: GrantFiled: December 20, 2022Date of Patent: January 2, 2024Assignee: Shopfulfill IP LLCInventor: Shlomo Chopp
-
Patent number: 11861682Abstract: In some embodiments, apparatuses and methods are provided herein useful to facilitating the vehicle pick up of orders at shopping facilities. In some embodiments, there is provided a system including: an electronic interface for receiving an order corresponding to a customer and for receiving a time period during which the customer requests to pick up the order; a control circuit configured to: determine the location of the customer; determine a plurality of shopping facilities near the customer's location; determine when the order would be available for pick up; determine the subset of shopping facilities where the order would be available within the time period requested by the customer; transmit the location to the customer; and at least one shopping facility where the order is made available for pick up by the customer during the requested time period.Type: GrantFiled: February 12, 2021Date of Patent: January 2, 2024Assignee: WALMART APOLLO, LLCInventors: Todd D. Mattingly, Bruce W. Wilkinson
-
Patent number: 11861683Abstract: A system includes N location indicators and a mobile scanning device. The N location indicators are configured to be arranged throughout a store that includes a plurality of stocked items for picking according to one or more electronic customer orders. Each of the N location indicators is configured to transmit a different location signal. The mobile scanning device includes a display. The mobile scanning device is configured to wirelessly receive an electronic customer order comprising a plurality of ordered items indicating which of the stocked items are to be picked, detect at least one of the N location signals, and arrange at least some of the plurality of ordered items on the display based on which of the at least one of the N location signals is detected.Type: GrantFiled: July 11, 2022Date of Patent: January 2, 2024Inventor: Thomas Francis
-
Patent number: 11861684Abstract: There are provided systems and methods for location-based data tracking for dynamic data presentation on mobile devices. A user's device may be used to track user data for the user, including locations visited by the user and activities by the user at the locations. These may be correlated to likely behavior by the user at the location so that a predicted activity by the user at a location may be determined. Thus, when a user visits a location, the predicted activity of the user at the location may be determined. Using the predicted activity, application data for an application may be generated and may be dynamically presented through one or more interfaces of the user's device. This may be presented without user input at the location so that the user may quickly perform the activity through the user's device.Type: GrantFiled: October 29, 2021Date of Patent: January 2, 2024Assignee: PAYPAL, INC.Inventors: Venkatesh J. Ramesh, Rajkumar Baskaran
-
Patent number: 11861685Abstract: A method and a virtual dressing system (VDS) for rendering a representation of a user in outfits from a virtual wardrobe are provided. The VDS acquires images of outfits via scanning using a camera or from a user device to store the images in a virtual wardrobe. The VDS acquires and displays on an interactive full-length display panel weather information of predetermined locations. The VDS scans the body of the user to generate a user image and selects outfits appropriate to the acquired weather and dimensions of the generated user image from images of outfits in the virtual wardrobe or in preselected locations on a computer network. The VDS displays the images of the selected outfits. On receiving a choice of an outfit from the user, the VDS renders a representation of the user in the chosen outfit on the full-length interactive display panel, updating the rendition on request.Type: GrantFiled: May 3, 2021Date of Patent: January 2, 2024Inventor: Uchenna Cornelia Imoh
-
Patent number: 11861686Abstract: A system and method for a website building system (WBS) hosting multiple websites, and a message system to generate at least one actionable widget card (AWC), where the AWC has elements comprising at least content, fields and attributes and implements at least e-commerce related operations for a product, the message system includes a card creator to create at least one AWC according to a trigger from a website associated with the product, stored pre-defined rules concerning card definitions or pre-defined widget card parameters and a card transformer to transform at least one of: content, fields and attributes of the at least one AWC according to transformation rules to create at least one new AWC, where a transformation is according to at least one of: a user request, related elements and product similarity.Type: GrantFiled: August 9, 2021Date of Patent: January 2, 2024Assignee: Wix.com Ltd.Inventors: Reuven J. Sherwin, Tal Kol, Adi Zellner, Yonatan Biri, Shachar Burg, Ethan Sharabi, Liat Karpel Gurwicz, Roni Ben-Aharon
-
Patent number: 11861687Abstract: A system for conducting a computer-based, simultaneous, multiple round, descending clock auction for basic generation services includes a web server for receiving bid data for one or more users for basic generation service products, an application server host application software, which processes the one or more bids according to at least one auction rule, tracks the auction, monitors the auction, and/or determines when to end the auction, and a database server, which stores auction data. A method of conducting a computer-based, simultaneous, multiple round, descending clock auction for basic generation services includes the repeating steps of receiving bids indicating desired tranche units of basic generation service products, calculating next round prices for each product, and sending round results to bidders. The system for and method of conducting a computer-based auction includes receiving and processing a withdrawal request or a switch request from at least one of the qualified bidders.Type: GrantFiled: April 9, 2018Date of Patent: January 2, 2024Assignees: Public Service Electric & Gas Company, Atlantic City Electric Company, Jersey Central Power & Light Company, Rockland Electric CompanyInventors: Chantale Lacasse, Frederick W. Lark, Eugene Meehan, Anthony R. Robinson, David Salant, Colin J. Loxley, Gerald W. Schirra, Robert Taylor
-
Patent number: 11861688Abstract: Bid values submitted for various keywords can take into account the recovery propensity between paid search and organic search. When submitting a bid to a search engine provider for a keyword, an entity may get a certain level of performance in return. If not submitting a bid, however, the entity will likely still get some level of performance, although likely less than for paid search. In order to optimize for a parameter such as impressions, purchases, or profit, the recovery propensity can be taken into account in order to adjust the bid price, taking into account the relative performance of paid and organic search and then optimizing for the determined goal. Organic search data in some embodiments can be obtained through testing or modeling, or a combination thereof.Type: GrantFiled: August 13, 2019Date of Patent: January 2, 2024Assignee: Amazon Technologies, Inc.Inventors: Rohit Gupta, Ayman Omar Farahat, Han Wu, Pragyana K. Mishra, Rohan Gurappagouda Patil, Douglas Wong
-
Patent number: 11861689Abstract: A data management system includes a storage device configured to store financial data for a plurality of financial transactions, the financial data for the plurality of financial transactions being associated with a plurality of different accounts of a user, each of the plurality of financial transactions being associated with one of a plurality of transaction categories. The system further includes a server coupled to the storage device and configured to retrieve the financial data for the plurality of financial transactions from the data storage device; receive a request from the user to generate a budget for the user, the budget including budget cash flow amounts for the plurality of transaction categories, determine an average cash flow amount for each of the plurality of transaction categories, the average cash flow amount for each of the transaction categories being based on the financial data for financial transactions associated with the transaction category.Type: GrantFiled: October 25, 2019Date of Patent: January 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Matthew Krakowiecki, Pearl Kolling, Jack Mackouse, Kevin Rhein, Elizabeth Hoople, Kathy Yee, Brian Paul McMahon, Brett David Ehrlich
-
Patent number: 11861690Abstract: A system and method of transferring funds includes a communication module configured to provide a user or automated process with an option of setting up an automatic fund transfer from a first payment channel to a second payment channel.Type: GrantFiled: May 7, 2009Date of Patent: January 2, 2024Assignee: Regions BankInventor: Benjamin T. Wallach
-
Patent number: 11861691Abstract: A computing device is configured to acquire or access credit or reporting data associated with a consumer. The computing device then is configured to analyze the credit or reporting data to determine reporting cycles for accounts associated with the consumer. For example, the computing device may determine that credit information for a particular account may be updated at a regular interval (e.g., once a month on the 3rd) or some other more complex cycle. The computing device can subsequently used the determined reporting cycles to predict the next reporting dates for respective accounts and provide the information, for instance, to the consumer.Type: GrantFiled: November 16, 2016Date of Patent: January 2, 2024Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
-
Patent number: 11861692Abstract: Methods, systems, and computer-readable storage media for receiving a first bank statement at a hybrid pipeline including a set of lookup tables and a deep learning (DL) model that can each be used to determine customer IDs from bank statements, providing a first key based on data associated with the first bank statement, and determining that the first key is included in a first lookup table of the set of lookup tables, and in response: identifying a first set of customer IDs from the first lookup table, the first set of customer IDs including one or more customer IDs, and outputting the first set of customer IDs to computer-executable software that matches the first bank statement to one or more electronic documents at least partially based on the first set of customer IDs.Type: GrantFiled: June 4, 2019Date of Patent: January 2, 2024Assignee: SAP SEInventors: Auguste Byiringiro, Jiatai Qiang, Atreya Biswas, Sean Saito
-
Patent number: 11861693Abstract: A system for detects and manages recurring transactions incurred by members of a client organization. The system includes a computing server that is configured to classify named entities into a category of transacting named entities. For example, the computing server classifies a list of named entities that offer subscription services and hence, create recurring transactions with the client organization. The computing server receives transaction data and determines that a target transacting named entity extracted from the received data belongs to the category (e.g., there is a named entity in the received transaction data that has sold a service to the client organization more than once). The computing server may then determine the presence and frequency of a subscription transaction series in the received transaction data, and cause a predicted a timing of an upcoming transaction in the subscription transaction series to be displayed in a graphical user interface (GUI).Type: GrantFiled: July 30, 2021Date of Patent: January 2, 2024Assignee: RAMP BUSINESS CORPORATIONInventors: Ori Ephraim Goldfield, Calvin Jun-Gong Lee, Geoffrey Jacques Charles, Ariel Petren Langer, Diego D Zaks Barrios
-
Patent number: 11861694Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.Type: GrantFiled: August 24, 2021Date of Patent: January 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Nathan Mahoney, Luis Daniel Silva, Gunjan C. Vijayvergia, Jason Paul Hendry
-
Patent number: 11861695Abstract: Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.Type: GrantFiled: June 28, 2022Date of Patent: January 2, 2024Assignee: Xero LimitedInventors: Kieran Gorman, Craig Walker
-
Patent number: 11861696Abstract: A systems and method facilitates obtaining accountant prepared financial statements associated with a client. A financial statement user initiates the process such as when a client has requested a loan and the financial statement user initiates an underwriting process. An identity of an accountant or client is received at a confirmation system from the financial statement user via the communications network. The identified accountant or client identifies the other party to the confirmation system via the communications network. Financial statements associated with the client are received from the identified accountant via the communications network. The received financial statements include financial information associated with the client. Permissions associated with the financial statements are received from the client via the communications network. The financial statements are provided via the communications network to the financial statement user in accordance with the permissions provided by the client.Type: GrantFiled: February 14, 2014Date of Patent: January 2, 2024Assignee: Capital Confirmation, Inc.Inventor: Charles Brian Fox
-
Patent number: 11861697Abstract: Techniques are described for determining and tracking fractional ownership interests in an asset, using a distributed ledger. Shares in an asset, such as a house, may be offered for sale through a marketplace. Sales of the shares, and information regarding the asset, may be tracked using a distributed ledger system, such as one or more blockchains that provide immutable and secure data storage distributed across a plurality of nodes. Embodiments provide individuals with liquidity options and/or pricing options for selling shares in their home, allowing individuals to securitize interest in their own equity in the home and pre-sell shares in some of that equity without selling the entire property and without taking out a loan.Type: GrantFiled: September 13, 2019Date of Patent: January 2, 2024Assignee: United Services Automobile Association (USAA)Inventors: Sacha Melquiades De'Angeli, Philip Andrew Leal
-
Patent number: 11861698Abstract: A device receives transaction data associated with an individual that is participating in a transaction for a vehicle. The device identifies transaction term values relating to the transaction. The device determines scores indicating likelihoods of the transaction term values contributing to prevention of completion of the transaction. The device receives vehicle inventory data describing vehicles. The device identifies one or more recommended vehicles, of the vehicles, based on performing a vehicle search of the vehicles described by the vehicle inventory data, where the vehicle search identifies the one or more recommended vehicles based on one or more filters. The device provides vehicle offer data for the one or more recommended vehicles to one or more other devices to permit the one or more other devices to use the vehicle offer data as part of another transaction for a particular vehicle of the one or more vehicles.Type: GrantFiled: January 22, 2021Date of Patent: January 2, 2024Assignee: Capital One Services, LLCInventors: Jason Hoover, Micah Price, Qiaochu Tang, Stephen Wylie, Geoffrey Dagley
-
Patent number: 11861699Abstract: In some examples, a system receives first transaction data for first transactions processed by a payment service, and uses a first model to determine, based on the first transaction data, that a probability of default for a user of the payment service satisfies a threshold. The system generates, based on a first financing factor, a first offer of credit for the user, and sends the first offer to the user. The system determines, based on third party information, that the user has additional income, and receives, from one or more of the third-party systems, second transaction data indicating the additional income. The system uses a machine learning model included in the first model to determine a second financing factor based on the second transaction data, and generates, based on the first financing factor and the second financing factor, a second offer of credit to send to the user.Type: GrantFiled: October 8, 2021Date of Patent: January 2, 2024Assignee: BLOCK, INC.Inventors: Juan Ignacio Santa Cruz Masoni, Philip Spanoudes, Melissa Doerken, Jerome Weiss
-
Patent number: 11861700Abstract: A method of completing a purchase transaction that includes a loan includes receiving, by a transaction processing logic, a loan application from a network. The method also includes generating, by the transaction processing logic, a plurality of loan terms for the loan application. The method also includes receiving, by the transaction processing logic, a transaction package from the network, where the transaction package includes at least one of the plurality of loan terms and a purchase price. The method also includes tendering, by the transaction processing logic, the purchase price according to the transaction package. The method also includes setting up, by the transaction processing logic, a loan in an account database according to the transaction package.Type: GrantFiled: January 31, 2022Date of Patent: January 2, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Nikolai Stroke
-
Patent number: 11861701Abstract: A tool for synthetic order recovery is provided.Type: GrantFiled: December 14, 2020Date of Patent: January 2, 2024Assignee: Trading Technologies International, Inc.Inventors: William Tigard Baker, Andrew Gottemoller, Filip Fracz
-
Patent number: 11861702Abstract: The disclosure provides a method and an apparatus for renewable-energy allocation based on reinforcement learning for an energy aggregator having an energy storage system (ESS) to coordinate renewable-energy allocation between energy suppliers and energy demanders. In the method, historical power-generation data of each supplier is collected and adapted to generate a renewable-energy index representing uncertainty of renewable energy. Multiple market indexes related to renewable-energy market dynamics are collected and integrated with the renewable-energy index and electricity information of the ESS to generate multiple states of a Markov decision process. The states are inputted to a reinforcement learning model to determine a price for the suppliers and the demanders. According to a supply amount and a demand amount proposed by the suppliers and the demanders in response to the price, the ESS coordinates the supply and demand of the renewable energy, and the reinforcement learning model is updated.Type: GrantFiled: April 26, 2021Date of Patent: January 2, 2024Assignee: National Tsing Hua UniversityInventors: Yu-Chieh Chuang, Wei-Yu Chiu
-
Patent number: 11861703Abstract: The disclosed embodiments relate to systems and methods for matching orders for a financial product. A first order for a financial product is received. The first order includes a preference for a first order book. An order processer selects a first hardware match processor based on the preference. A first hardware match processor attempts to match the first order with a previously received order in the first order book. A second order for the financial product is received. The second order includes a preference for a second order book. The order processor selects a second hardware match processor based on the preference. A second hardware match processor attempts to match the second order with a previously received order in the second order book. The first and second hardware match processors use different matching algorithms.Type: GrantFiled: October 8, 2021Date of Patent: January 2, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: José Antonio Acuña-Rohter, Pearce Peck-Walden, Ari Studnitzer
-
Patent number: 11861704Abstract: A system for providing a persona-driven and artificially-intelligent avatar is disclosed. The avatar may be utilized to represent an artificially-intelligent virtual assistant that may perform actions on behalf of a user, such as actions related to personal shopping for the user. Notably, the avatar may influence artificial intelligence algorithms supporting the functionality of the virtual assistant via quantifiable traits of a persona of the avatar. In particular, the quantifiable traits of the persona of the avatar may be utilized to range bound the controlling parameters of the algorithms such that the virtual assistant represented by the avatar performs actions that conform to the ranged-bounded controlling parameters. Metrics corresponding to the performance of the virtual assistant may be tracked, and the system may modify parameters of the virtual assistant based on the metrics so as to adjust future actions performed by the virtual assistant for the user.Type: GrantFiled: April 12, 2022Date of Patent: January 2, 2024Assignee: Graphen, Inc.Inventors: Ching-Yung Lin, Danny Lo-Tien Yeh, Yizhou Shen, Yihan Wang, Yuting An, Xinwei Li
-
Patent number: 11861705Abstract: System and method for aggressively trading a spread trading strategy in an electronic environment are provided herein. According to the example embodiments, a trader may configure the automated trading tool to trade as aggressively as possible by leaning on a price without an associated quantity. This allows a trader to possibly obtain a more profitable price as well as get filled faster. Traders submit an order for a spread and the automated trading tool calculates the quote order price based on a defined level of aggressiveness, the leaned on price, and the desired spread price. Based on the level of defined aggressiveness and the gap in the market, the automated trading tool may lean on a mildly, moderately, or extremely aggressive price.Type: GrantFiled: June 20, 2022Date of Patent: January 2, 2024Assignee: TRADING TECHNOLOGIES INTERNATIONAL, INC.Inventors: Nicholas G Kontos, Sagy Pundak Mintz, Alexander D. Deitz
-
Patent number: 11861706Abstract: The present embodiments include methods, systems, and computer program products that provide tools for use in any type of electronic trading environment. In one aspect, leaning manager includes software that can be implemented on any type of computer device for tracking and/or coordinating the buying and selling of available market quantities by multiple automated or semi-automated trading tools. For instance, if more than one automated or semi-automated trading tool is leaning on the same tradeable object then the leaning manager may track and/or coordinate such action. The trading tools can use the tracked information and/or the allocated quantities and their prices to enhance their trading strategies.Type: GrantFiled: June 29, 2022Date of Patent: January 2, 2024Assignee: Trading Technologies International, Inc.Inventors: Scott F. Singer, Michael J. Burns, Mark A. Musgrave
-
Patent number: 11861707Abstract: The described technology relates to electronic continuous trading systems, and matching data records representing inventories with variant characteristics such as, variant length, variant data types, etc. Example implementations provide for generating instrument descriptors that include unitary-valued attributes and set-valued attributes, and the use of both types of attributes in trade decision making.Type: GrantFiled: June 30, 2022Date of Patent: January 2, 2024Assignees: NASDAQ TECHNOLOGY AB, NYIAX, INC.Inventors: Richard Payne, Valery Gridnev, Mark Grinbaum, Sergey Tsoy, Carolina Abenante
-
Patent number: 11861708Abstract: The disclosed embodiments relate to the electronic communication of messages via a communications network reflective of substantially continuously updated data in an electronic transaction processing system. The disclosed embodiments conserver electronic communications resources, e.g. bandwidth, while preserving real time delivery of critical data via selective or conditional publication and transmission of messages.Type: GrantFiled: August 5, 2022Date of Patent: January 2, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Pearce Ian Peck-Walden, Zachary Bonig, Craig Richard LeVeille, Dileep Chakravarthi Konduru
-
Patent number: 11861709Abstract: An electronic trading system is configured to trade credit default swap (CDS) futures contracts on an open exchange. The CDS futures contract allows the buyer and seller isolate and trade the credit risk of a third party. The third pay may be a corporation, sovereign government, or any entity that issues bonds or notes. The CDS futures contract seller effectively pays the premium over time in increments determined by market rates and through the natural operation of the open market. The CDS futures contract buyer makes a contingency payment if the CDS futures contract goes in-the-money (ITM). Both sides of the contract are guaranteed by the exchange as a counterparty.Type: GrantFiled: January 23, 2023Date of Patent: January 2, 2024Assignee: Chicago Mercantile Exchange Inc.Inventor: David Andrew Boberski
-
Patent number: 11861710Abstract: An illustrative computing device may include a processor and a non-transitory memory device for storing a data structure capable of being compressed, where the data structure includes a plurality of data elements and each of the plurality of data elements includes a date field and a quantity field. The computing device may process instructions to arrange the plurality of data elements in a consecutive series in date order based on a value stored in the date field of each data element, determine whether a gap appears in the consecutive series of data elements based on a value stored in the quantity field of each element, remove the determined gaps in each of the data elements, and repeat the determining and removing steps until a predetermined criterion has been reached.Type: GrantFiled: February 7, 2023Date of Patent: January 2, 2024Assignee: Chicago Mercantile Exchange Inc.Inventors: Suzanne Sprague, Sean Downey, Robert Taylor, Dhiraj Bawadhankar, Stephen Hurst, Matthew Simpson, Frederick Sturm
-
Patent number: 11861711Abstract: Auctioning mechanisms adapted to improve the integrity of dark order block trading are provided.Type: GrantFiled: April 18, 2023Date of Patent: January 2, 2024Assignee: NYSE Holdings LLCInventors: Alicia Suminski, Anais Fabienne Christiane Dony
-
Patent number: 11861712Abstract: The Multiple Modular Asset Class Constructor Apparatuses, Methods and Systems (“MMACC”) transforms collateralized equity obligation structure parameters, asset search, tranche selections inputs via MMACC components into asset income distribution message, principal distribution message outputs. A capital structure input may be obtained from a system user via a first data structure that specifies dividend allocation and capital allocation for a first equity tranche, and dividend allocation and capital allocation for a second equity tranche. Dividend allocation and capital allocation for the first equity tranche, and dividend allocation and capital allocation for the second equity tranche may be determined. A second data structure may be generated that maps dividend allocation and capital allocation of an index to the first equity tranche and to the second equity tranche. Shares of the first equity tranche and shares of the second equity tranche may be generated using the second data structure.Type: GrantFiled: December 3, 2015Date of Patent: January 2, 2024Assignee: FMR LLCInventors: Matthew Kenigsberg, Prasenjit Mazumdar, Keith Quinton
-
Patent number: 11861713Abstract: A method, system, and computer program product for analyzing financial risk of a financial security. A video is displayed by the computer system on a mobile display system. Object detection is performed on the video to identify a fixed asset in the video. The computer system identifies a financial security supported by the fixed asset identified in the video. An overlay of financial data about the financial security is displayed in association with the fixed asset in the video. The financial data includes a financial model of the financial security and an assumption of the financial model. The assumption of the financial model is updated based on a status of the fixed asset in the video. The financial risk of the financial security is analyzed based on the financial model and the assumption that was updated.Type: GrantFiled: January 21, 2020Date of Patent: January 2, 2024Assignee: S&P Global Inc.Inventor: Cesar Romero
-
Patent number: 11861714Abstract: 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: GrantFiled: April 14, 2022Date of Patent: January 2, 2024Assignee: Geneva Technologies, LLCInventor: Robert S. Creamer
-
Patent number: 11861715Abstract: A computer-implemented method for generating an indication of whether a vehicle crash has occurred is presented. It may be determined whether data output by a base sensor(s) of a mobile computing device indicates that a vehicle crash condition has occurred. An additional sensor(s) of the mobile computing device may begin outputting additional sensor data when the data output by the base sensor(s) indicates that the vehicle crash condition has occurred. The additional sensor(s) may be caused to output the additional sensor data for an amount of time after the additional sensor(s) begins outputting the additional sensor data. An indication of whether a crash of a vehicle has occurred may be generated based on the additional sensor data output by the additional sensor(s) for the amount of time after the additional sensor(s) begins outputting the additional sensor data.Type: GrantFiled: June 30, 2016Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Eric Bellas, Shawn M. Call, Gregory Dwayne Carter, Ronald R. Duehr, Jeffrey David Hevrin, Sara Elizabeth Collins
-
Patent number: 11861716Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a home or other structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the home. Electrical activity may be correlated with respective electrical devices to build an electrical profile associated with the structure. In response to a claimed damage to the structure or to electric devices therein, some electrical activity may be compared to the electrical profile to determine whether the damage occurred voluntarily or involuntarily.Type: GrantFiled: June 16, 2017Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Erin Ann Olander, Christopher N. Kawakita, Jeff Riblet
-
Patent number: 11861717Abstract: A computing system may receive a verification of benefits (VoB) request that identifies a subscriber and a healthcare provider that submitted the VoB request. The VoB request may comprise a request for the computing system to verify that a health insurance policy of the subscriber is active. In response to determining that the health insurance policy of the identified subscriber is active, the computing system may determine whether to send a subscriber alert to the subscriber. The subscriber alert may notify the subscriber that the healthcare provider has been requested to perform a healthcare action for the subscriber in the future as of a time the healthcare provider submitted the VoB request. Based on a determination to send the subscriber alert, the computing system may initiate a process to send the subscriber alert.Type: GrantFiled: April 26, 2019Date of Patent: January 2, 2024Assignee: OPTUM, INC.Inventors: Brad K. Sitler, Thomas R. Gilbertson
-
Patent number: 11861718Abstract: Improved computer modeling techniques, and uses thereof, are described herein. A set of unstructured textual data is received. Certain textual data is removed from the set of unstructured data to form an initial vocabulary set of textual data. One or more bigrams are added to the vocabulary set of textual data to form a final vocabulary set of textual data. The final vocabulary set of textual data is divided into a plurality of subsets of textual data based on type. A model is trained using each of the plurality of subsets of textual data to form a plurality of trained models, each corresponding to one of the types.Type: GrantFiled: May 15, 2019Date of Patent: January 2, 2024Assignee: Nationwide Mutual Insurance CompanyInventors: John Kemp, Spencer Herath, Thomas Michael Winningham, Shannon Terry, Christopher P. Nicholas, Kapwon Choi, Benjamin A. Ogorek
-
Patent number: 11861719Abstract: A method comprises receiving geographic location data indicative of two or more locations of a vehicle, wherein the vehicle is insured by a first insurance policy. The method further comprises determining a second rating area covering a second location among the two or more locations of the vehicle, wherein the second rating area is different than the first rating area. The method further comprises determining that the second rating area requires a second insurance policy different from the first insurance policy and generating the second insurance policy for the vehicle based on at least the second rating area, wherein the second insurance policy has a second set of coverage parameters different from the first set of coverage parameters. The method further comprises offering the second insurance policy to an owner of the vehicle.Type: GrantFiled: June 18, 2019Date of Patent: January 2, 2024Assignee: United Services Automobile Association (USAA)Inventor: James H. Hunt
-
Patent number: 11861720Abstract: To extract information from a customer's insurance card, an insurance policy recordation system obtains a scanned image of an insurance card and analyzes text in the insurance card image to identify labels describing insurance policy characteristics and insurance policy values corresponding to the insurance policy characteristics. The insurance policy recordation system compares the identified insurance policy values to a set of stored identifiers associated with various insurance plans. If the insurance policy values match one or more of the identifiers, the insurance policy recordation system may determine that the insurance policy values are valid and that the customer has the matching insurance plan. The insurance policy recordation system may obtain additional insurance policy information for the customer based on the stored information in association with the matching insurance plan.Type: GrantFiled: August 5, 2019Date of Patent: January 2, 2024Assignee: WALGREEN CO.Inventors: Adam Robert Snopek, Renata Lurye, Oliver Derza
-
Patent number: 11861721Abstract: Systems and methods are provided for maintaining up-to-date insurance information at a mobile device. In some example embodiments, insurance information associated with an insurance customer is obtained, and an insurance card image is generated based on the insurance information. A connection is established with a mobile device associated with the insurance customer, and the insurance card image is provided to the mobile device. Receipt of the insurance card image at the mobile device causes the mobile device to store the insurance card image. A response is initiated upon determining that the insurance card image was displayed at the mobile device. Telematics information is also analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.Type: GrantFiled: January 13, 2020Date of Patent: January 2, 2024Assignee: Allstate Insurance CompanyInventors: Roger A. Tye, Richard J. Desiderio, Jr., Laura Fischer-Klein, Steven T. Leckman
-
Patent number: 11861722Abstract: A computing system for generating a list of items predicted to be associated with a candidate user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to generate a predictive possession model, receive personal data associated with the candidate user, predict a first set of items owned by the candidate user, assign a value and a range of predesignated values for each item included in the first set of items, cause the first set of items and their corresponding values to be displayed on a user device of the candidate user, and prompt the candidate user to input confirmation data including one of a confirmation that the first set of items accurately describes a set of actual items possessed by the candidate user and a confirmation that the values corresponding to the first set of items are satisfactory.Type: GrantFiled: February 18, 2020Date of Patent: January 2, 2024Assignee: BLUEOWL, LLCInventor: Kenneth Jason Sanchez
-
Patent number: 11861723Abstract: Systems and methods for generation and use of vendor management platform architectures are disclosed. A compliance component may be utilized to receive user input data indicating supply contracts between a client and a vendor. The user input data may be utilized to determine insurable obligations associated with the supply contract and provide indications as to whether or not the vendor is compliant with the insurable obligation required by the supply contract. An exposure assessment component may be utilized to determine an exposure score associated with a client account and/or a vendor account based on various compliance factors, spending amounts, and/or properties associated with at least one of goods and/or services that a vendor will supply to a client.Type: GrantFiled: June 22, 2020Date of Patent: January 2, 2024Assignee: AON RISK SERVICES, INC. OF MARYLANDInventors: Lewis C. Lee, Louise Janice Luvina Bowman, Samuel Cameron Fleming, David Christopher Ledgerwood, Jesus Gonzalez
-
Patent number: 11861724Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.Type: GrantFiled: November 24, 2021Date of Patent: January 2, 2024Assignee: Allstate Insurance CompanyInventors: Andrew L. Carbery, Daniel Koza, Christopher G. Plachta, Philip Peter Ramirez
-
Patent number: 11861725Abstract: Aspects of the invention are directed to methods and systems for efficiently communicating data between an insurer and a non-referral repair shop, e.g., vehicle repair shops that are normally not preapproved by the insurer to perform the estimating and repair work. The methods and systems described herein are particularly useful for insurers utilizing non-referral repair shops for servicing vehicles involved in insurance claims. According to aspects of this invention, the insured may be able to select a non-referral repair shop, not delegated or preapproved by the insurer, thereby generally allowing the insured to select any available vehicle repair shop.Type: GrantFiled: February 28, 2022Date of Patent: January 2, 2024Assignee: Allstate Insurance CompanyInventors: Randall M. Hanson, James A. Ledder, Charles Ronald O'halloran
-
Patent number: 11861726Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for conducting collaborative real-time inspections of insured properties. The system may include several workstations, each operated by a different user with a respective role in processing an insurance claim. The system also may include a server system configured to receive an indication of an insured property to be inspected by users at the workstations using an unmanned aerial vehicle (UAV) configured to collect aerial imagery, provide, substantially in real time during an inspection session, aerial imagery of the insured property to each of the workstations, receive, substantially in real time during the inspection session, information related to the insured property being inspected from the workstations, and generate a database record descriptive of the inspection session. The aerial imagery may be used to verify dimensions of insured homes or estimate home damage resulting from fire, wind, hail, water, or hurricanes.Type: GrantFiled: April 27, 2022Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: Stuart D. Kenney
-
Patent number: 11861727Abstract: A system for analyzing the environment of a vehicle i) receives a plurality of data from at least one sensor associated with a vehicle, such that the plurality of data includes at least one environmental condition at a location; (ii) analyzes the plurality of data to determine the at least one environmental condition at the location; (iii) determines a condition of a building at the location based upon the at least one environmental condition; (iv) determines an insurance product for the building based upon the determined condition associated with the building; and (v) generates an insurance quote for the insurance product. As a result, the speed and accuracy of insurance providers learning about potential clients and the conditions of the potential client's property and needs is increased.Type: GrantFiled: August 3, 2022Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Nathan Tofte, Cole Nave
-
Patent number: 11861728Abstract: 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: GrantFiled: August 11, 2022Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Weixin Wu, Philip Sangpil Moon, Scott Farris
-
Patent number: 11861729Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim such as sending data to a smart contract deployed on the shared ledger. The parties to the subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.Type: GrantFiled: October 11, 2022Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Shawn M. Call, Jaime Skaggs, Eric Bellas, Douglas A. Graff, William J. Leise, Vicki King, Jacob J. Alt, Eric R. Moore, Stacie A. McCullough
-
Patent number: 11861730Abstract: Methods and systems for maintaining a distributed ledger and/or blockchain of transactions and/or events pertaining to autonomous vehicles and/or smart contracts are provided. One or more processors may monitor one or more sensors associated with an autonomous vehicle. Based upon the outputs of the sensors, a change in condition of the autonomous vehicle may be detected. The condition may relate to operation, or an operational state of the vehicle and/or a condition associated with a smart contract. The processors may generate a transaction describing the detected change in the condition of the vehicle. The transaction may be transmitted to an enforcement server. As a result, an up-to-date ledger of autonomous vehicle and/or smart contract transactions and/or events may be maintained.Type: GrantFiled: December 22, 2022Date of Patent: January 2, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Matthew L. Floyd, Alvin Hon-wai Yu, Antwuan Murphy, Brittney Benzio, Lindsi Brantley, Matthew S. Delaney, Matthew Vulich, Matthew S. Rodriguez, Neha Goel, Sabrina Collins, Annie Pudlo Murillo