Patents Issued in January 9, 2024
  • Patent number: 11869035
    Abstract: An advertisement distribution system, method, and computer readable medium (collectively, the “System”) is provided. The System may request posts containing a subject tag from social media operators. The posts may be made by merchants having a relationship with the System. The System may filter the posts based on filters, geographic data, and member preferences. The System may distribute the posts to members having a relationship with the System.
    Type: Grant
    Filed: January 17, 2020
    Date of Patent: January 9, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jonathan J. Carroll, Hans-Jurgen Greiner, Padmaja Kodavanti, Gopinath Kondapally, Kevin H. Ringger, James Jerome Smart-Foster, Arun Swamy
  • Patent number: 11869036
    Abstract: A method includes storing one or more interest indicators for providing communications for resources associated with a plurality of second service providers, and then receiving, a fulfillment request from an application in an end user device. The fulfillment request being for resources to be fulfilled by a first service provider. The method also includes determining one or more interest indicators from the retrieved interest indicators associated with the second service providers and providing one or more communications associated with at least one of the determined one or more interest indicators of one or more second service providers to the application along with a display of a service provider identifier of the first service provider or the resources to be fulfilled by the first service provider.
    Type: Grant
    Filed: March 17, 2022
    Date of Patent: January 9, 2024
    Assignee: DoorDash, Inc.
    Inventors: Erik Zhang, Ujjwal Gulecha
  • Patent number: 11869037
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, provide a marketplace platform accessed within various application environments, such as a gaming environment associated with a video game. The market platform automatically determines product advertisements that appropriate for presentation within the gaming environment based on an application of trained machine learning and artificial intelligence models to selected elements of input data, and facilitates a purchase of advertised products without a user's exit from the gaming environment by maintaining centralized elements of profile data characterizing the user.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: January 9, 2024
    Inventor: Nicholas Francesco Longano
  • Patent number: 11869038
    Abstract: An adaptive bit rate system uses adaptive streaming to deliver content to client devices capable of adaptive bit rate streaming. Techniques for advertisement management include monitoring ad skipping by an adaptive bit rate client device that receives media chunks from the adaptive bit rate system. Techniques include monitoring a client action or inaction as it relates to advertisement skipping for future advertisement selections.
    Type: Grant
    Filed: June 24, 2014
    Date of Patent: January 9, 2024
    Assignee: ARRIS Enterprises LLC
    Inventor: David M. Bjordammen
  • Patent number: 11869039
    Abstract: Techniques for identifying content displayed by a content presentation system associated with a physical environment, detecting a gesture of a user located within the physical environment, and storing information associated with the gesture in relation to the displayed content are disclosed.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: January 9, 2024
    Assignee: WideOrbit LLC
    Inventor: Christopher M. Riding
  • Patent number: 11869040
    Abstract: The present teaching relates to analyzing user behavior associated with web contents. Information related to user interactions associated with a content item placed on a reference property is first obtained. A measurement associated with each user interaction of the content item is determined based on the obtained information. An analyzing model for the content item which characterizes statistics of the measurements associated with the content item is further constructed. A measurement threshold to be used to determine a cost of placing the content item on a target property is further determined using the constructed analyzing model.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: January 9, 2024
    Assignee: YAHOO AD TECH LLC
    Inventors: Gabriele Tolomei, Ayman Farahat, Mounia Lalmas
  • Patent number: 11869041
    Abstract: A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer.
    Type: Grant
    Filed: January 6, 2022
    Date of Patent: January 9, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
  • Patent number: 11869042
    Abstract: A bidding assistance device includes a ratio calculation unit configured to calculate a ratio of an actual advertising cost index to a goal advertising cost index, the actual advertising cost index being based on an advertising delivery performance at a bidding time in an advertising period, the goal advertising cost index being requested by an advertiser in the advertising period, an adjustment factor calculation unit configured to calculate an adjustment factor from the ratio and from a relationship between the advertising period and the bidding time, the adjustment factor being used to adjust a bid price of an advertisement, and a determination unit configured to determine the bid price at the bidding time using the adjustment factor calculated by the adjustment factor calculation unit, the goal advertising cost index, and a forecast effectiveness index forecast from advertising effectiveness, the advertising effectiveness being obtained from the advertising delivery performance.
    Type: Grant
    Filed: August 25, 2022
    Date of Patent: January 9, 2024
    Assignee: Rakuten Group, Inc.
    Inventor: Carlos Kobashikawa
  • Patent number: 11869043
    Abstract: An adaptive bidding system for networked advertising. A bid request is received from an exchange over a network. Each bid request represents the opportunity to bid on an advertising opportunity. A processing time limit is determined based at least in part on a network latency measurement and an exchange reported timeout. The execution of one or more tasks is initiated by the adaptive bidding system. A response is determined from one or more results which are available before the processing time limit expires. The execution of any tasks that have not completed execution before the processing time limit expires are terminated. The response is provided to the exchange.
    Type: Grant
    Filed: November 28, 2022
    Date of Patent: January 9, 2024
    Assignee: Quantcast Corporation
    Inventors: Crispin Edward Harold Flowerday, Faraaz Aejaz Sareshwala, Damian John Reeves
  • Patent number: 11869044
    Abstract: A system, method and computer program product for interfacing a decision engine and a marketing engine in order to provide vendor-related data in response to decision-related data is disclosed. In at least one embodiment, the system and method may include providing a decision engine on a user-accessible network, interfacing a marketing engine with the decision engine on the network; receiving a plurality of user inputs with the decision engine; processing decision-related data with the decision engine in accordance with the plurality of user inputs; sharing the decision-related data with the marketing engine; processing the decision-related data with the marketing engine; and transmitting vendor-related data via the network.
    Type: Grant
    Filed: September 28, 2020
    Date of Patent: January 9, 2024
    Assignee: Four Charm Technologies, LLC
    Inventor: Rawdon W. Kellogg
  • Patent number: 11869045
    Abstract: Systems and methods are disclosed for automatically determining property value, the systems and methods perform operations comprising: receiving, by a server, subject real-estate property listing information associated with a subject real-estate property; identifying a plurality of comparable real-estate property listings based on attributes of the subject real-estate property listing information; processing the subject real-estate property listing information together with the plurality of comparable real-estate property listings using a trained machine learning technique to predict a value for the subject real-estate property, the trained machine learning technique being trained to jointly establish a relationship between weights assigned to a set of training comparable real-estate property listings and value adjustments of the set of training comparable real-estate property listings and a value of a real-estate property of interest; and performing an action with respect to the subject real-estate property
    Type: Grant
    Filed: September 20, 2022
    Date of Patent: January 9, 2024
    Assignee: Opendoor Labs Inc.
    Inventor: Michael Andrew Stewart
  • Patent number: 11869046
    Abstract: Users form custom-defined communities for performing a defined activity amongst themselves. An actor defines the activity and restrictions associated with the activity. Members of the community place requests for the actor to perform member-specific actions during the activity on behalf of the members. The actor performs the activity with the member-specific actions and arranges procurement of results associated with each of the members. The actor and the members may also settle up with one another at least upon procurement. The activity is crowd sourced within the custom-defined community, thereby reducing the need for the members to each individually perform the activity.
    Type: Grant
    Filed: October 14, 2022
    Date of Patent: January 9, 2024
    Assignee: NCR Voyix Corporation
    Inventors: Arnold Bacalla Lara, Melvin Gellecania Bacus, Alain Rex Mata Banilad, Mayla Venessa Juab Capin, Hard Harry Soterol Nadela, Gilbert Grafia Tumulak, Jr.
  • Patent number: 11869047
    Abstract: The subject technology receives session data from a set of users associated with a retail website. The subject technology generates, using at least one machine learning model, a purchase intent prediction based at least in part on the session data. The subject technology determines a set of sessions that correspond to conversions on the retail website based on the session data. The subject technology generates a combination of data using first data from the purchase intent prediction with second data based on the set of sessions that correspond to conversions. The subject technology generates information related to a missed purchase segment based at least in part on the combination of data. The subject technology provides the information for display on a client device.
    Type: Grant
    Filed: April 29, 2022
    Date of Patent: January 9, 2024
    Assignee: Content Square SAS
    Inventors: Sharone Dayan, Mohammad Reza Loghmani
  • Patent number: 11869048
    Abstract: The subject disclosure provides techniques for enriching user reviews and providing improved user recommendations using data collected by autonomous vehicles (AVs). In some aspects, a process of the disclosed technology includes steps for receiving a ride request wherein the ride request specifies a pick-up location associated with a user identifier (ID), navigating an autonomous vehicle to the pick-up location to provide ride service for a user associated with the user ID, and receiving review information from the user, wherein the review information relates to a product or service consumed by the user. In some aspects, the process can also include steps for associating the review information with the user ID, and enriching the review information using trip information associated with the user ID. Systems and computer-readable media are also provided.
    Type: Grant
    Filed: June 12, 2019
    Date of Patent: January 9, 2024
    Assignee: GM Cruise Holdings LLC
    Inventor: Mohamed Mostafa ElShenawy
  • Patent number: 11869049
    Abstract: A system and method for connecting hair and beauty consumers directly with individual service providers, and more particularly to an automated system and method for allowing consumers and individual service providers to directly interact via a plurality of online mobile platforms. The system comprises a mobile computing device configured to receive user input data from a user at the mobile computing device, receive third-party data from individual service providers at the mobile computing device, and create a list of available individual services providers that meet a set of selected requirements of a user at the mobile computing device, wherein the list of available services is based at least in part on the user input data and the third-party data.
    Type: Grant
    Filed: October 13, 2021
    Date of Patent: January 9, 2024
    Inventors: Roman Kikirov, Semion Kikirov
  • Patent number: 11869050
    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: Grant
    Filed: June 27, 2022
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jerry Wagner, Mario Munoz
  • Patent number: 11869051
    Abstract: Embodiments of the present disclosure describe techniques for monitoring usage of data listings and pricing data listings based thereon. Metadata comprising a pricing plan may be added to a data listing to generate a monetized data listing. The monetized data listing may be imported to the consumer account. The usage data of the monetized data listing and listing data of the monetized data listing may be exported to a data warehousing and analysis module. A usage level for a set of jobs processed using the monetized data listing during a current incremental interval of a current billing interval may be calculated and combined with a usage level of all previous incremental intervals of the current billing interval to generate a cumulative usage record. An invoice for the billing interval may be generated based on the cumulative usage record.
    Type: Grant
    Filed: March 31, 2022
    Date of Patent: January 9, 2024
    Assignee: Snowflake Inc.
    Inventors: Benoit Dageville, Sameer Deshpande, Eric Dorf, Subramanian Muralidhar, Chao Ren, Dangfu Wang
  • Patent number: 11869052
    Abstract: A non-transitory computer readable medium may include executable instructions which, when executed by a processor, cause the processor to provide for a non-destructive testing (NDT) ecosystem. The NDT ecosystem includes a repository of digital content, and a store configured to sell the digital content to a customer, wherein the digital content is executable by a NDT device and wherein the digital content is created by a plurality of entities.
    Type: Grant
    Filed: June 14, 2019
    Date of Patent: January 9, 2024
    Assignee: BAKER HUGHES HOLDINGS LLC
    Inventors: Sekhar Soorianarayanan, Robert Carroll Ward, Michael Christopher Domke, Scott Leo Sbihli, Francois Xavier De Fromont, Jason Howard Messinger
  • Patent number: 11869053
    Abstract: Systems and methods are provided for receiving image data from a mobile device; identifying, based on the image data, an item and a product characteristic of the item; generating listing data of the item based on the product characteristic; determining that the item is associated with a product category; identifying a set of listings associated with the product category; applying a decay formula to the set of listings to generate a discounted number of sales and a discounted number of impressions at least one listing of the set of listings; determining a ratio of the discounted number of sales to the discounted number of impressions; determining a ranking of the set of listings based on the ratio; generating a price estimate of the item based on the ranking of the set of listings based on the ratio of the discounted number of sales to the discounted number of impressions; and causing display of a user interface including a request to list the item, the user interface including the listing data and the price e
    Type: Grant
    Filed: June 3, 2021
    Date of Patent: January 9, 2024
    Assignee: EBAY INC.
    Inventor: Seng Tien Jonathan Teo
  • Patent number: 11869054
    Abstract: Method and system to facilitate transactions in a particular on-line trading platform from a third party web site may be utilized beneficially to enhance a user's experience in purchasing items referenced on third party web pages. When a user encounters, on a third party web site, a presentation of an item that is linked to a listing maintained by the on-line trading platform, the user may simply click on the presentation of the item, which causes presentation of a visual control selectable to launch a transaction processing flow facilitated by the on-line trading platform, without requiring the user to leave the third party web site.
    Type: Grant
    Filed: June 15, 2022
    Date of Patent: January 9, 2024
    Assignee: EBAY INC.
    Inventors: Marc Peter Hosein, Selina Lam, Han-Shen Yuan
  • Patent number: 11869055
    Abstract: An online concierge system generates a graph connecting items with attributes of the items and other items. Hence, the graph includes nodes corresponding to attributes and nodes corresponding to items, with an item connected to attributes of the item in the graph. Example attributes include a brand, a category, a department, or any other suitable information about the item. When the online concierge system receives a search query to identify one or more items from a customer, the online concierge system parses the search query into combinations of terms and compares different combinations of terms to the graph to determine connections between different combinations of terms in the graph. Based on measures of connectedness between combinations of terms and connections in the graph, items are identified from one or more combinations of terms. Information about the identified items is presented to the customer.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: January 9, 2024
    Assignee: Maplebear Inc.
    Inventors: Tejaswi Tenneti, Aditya Subramanian, Shrikar Archak, Tyler Russell Tate, Jonathan Lennart Bender
  • Patent number: 11869056
    Abstract: Disclosed is a system and method for dynamically designing a custom product. The method is initiated using custom software, which permits user interaction via a graphical user interface. An HTML drawing element is provided in a display area of the graphical user interface, configured to display graphics drawn using a program executable by the computing device, the program comprising instructions to draw the custom product as a plurality of line segments. The program is executed to render the plurality of line segments, which are displayed as a first displayed version of the custom product in the display area. A length dimension value is received in an entry field of the display interface, to update one or more of the line segments. The program is re-executed to render the updated line segments, which are displayed as an updated displayed version of the custom product in the display area.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: January 9, 2024
    Assignee: TILE REDI, LLC
    Inventors: Joseph R. Cook, Kristin E. Cook, Sean Boes, Alex Costa
  • Patent number: 11869057
    Abstract: Various embodiments described herein utilize multiple levels of generative adversarial networks (GANs) to facilitate generation of digital images based on user-provided images. Some embodiments comprise a first generative adversarial network (GAN) and a second GAN coupled to the first GAN, where the first GAN includes an image generator and at least two discriminators, and the second GAN includes an image generator and at least one discriminator. According to some embodiments, the (first) image generator of the first GAN is trained by processing a user-provided image using the first GAN. For some embodiments, the user-provided image and the first generated image, generated by processing the user-provided image using the first GAN, are combined to produce a combined image. For some embodiments, the (second) image generator of the second GAN is trained by processing the combined image using the second GAN.
    Type: Grant
    Filed: December 1, 2021
    Date of Patent: January 9, 2024
    Assignee: eBay Inc.
    Inventors: Mohammadhadi Kiapour, Shuai Zheng, Robinson Piramuthu, Omid Poursaeed
  • Patent number: 11869058
    Abstract: A method for returning a results page responsive to a user search query, such as a search query on a web site, may include receiving a search query from a user, determining, responsive to the query, a set of relevant products from a plurality of product listings based on a similarity of the user query to the respective product listings, retrieving inventory information respective of each of the relevant products, the inventory information comprising one or more available fulfillment channels respective of each of the relevant products, ranking the relevant products with respect to each other according to the inventory information, and returning, to the user, a search result comprising a list of the relevant products, ordered according to the ranking.
    Type: Grant
    Filed: September 30, 2022
    Date of Patent: January 9, 2024
    Assignee: Home Depot Product Authority, LLC
    Inventors: Muhammad Abeer, Bhavin Vithalani
  • Patent number: 11869059
    Abstract: Embodiments of systems and methods for the aggregation, analysis, display and monetization of pricing data for commodities in general, and which may be particularly useful applied to vehicles are disclosed. Specifically, in certain embodiments, historical transaction data associated with a particular vehicle configuration may be obtained and processed to determine pricing data associated with the vehicle configuration. The historical transaction data or determined pricing data may then be presented in an intuitive manner.
    Type: Grant
    Filed: February 10, 2023
    Date of Patent: January 9, 2024
    Assignee: TrueCar, Inc.
    Inventors: Thomas Taira, Scott Painter, Chris Taylor, Robert Taylor, Michael D. Swinson
  • Patent number: 11869060
    Abstract: A method comprises extracting data for one or more assets corresponding to a user, and analyzing the data using one or more machine learning models. The analyzing comprises predicting whether the one or more assets will require at least one of replacement and service. In the method, one or more entitlement recommendations for the user are generated based on the analysis, and the one or more entitlement recommendations are transmitted to the user.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: January 9, 2024
    Assignee: Dell Products L.P.
    Inventors: Parminder Singh Sethi, Sathish Kumar Bikumala, Deepak Gowda
  • Patent number: 11869061
    Abstract: Apparatus and method for providing contextual recommendations based on user state are disclosed herein. In some embodiments, sensor data corresponding to at least one sensor included in an item worn by a user is received. A user state is determined based on the received sensor data. In response to a state change being satisfied by at least the user state, a recommendation is determined based on the user state and a profile associated with the user. The recommendation may be presented on an electronic mobile device associated with the user.
    Type: Grant
    Filed: February 16, 2021
    Date of Patent: January 9, 2024
    Assignee: eBay Inc.
    Inventors: Anurag Bhardwaj, Neelakantan Sundaresan, Robinson Piramuthu
  • Patent number: 11869062
    Abstract: A cross-entity and cross-retailer platform is provided that captures transaction data, indexes, and stores the data in a cloud-accessible data store. A service is provided that custom processes retailer and entity-defined workflows based on purchase transactions using the data store. The service also generates and maintains correlations between items, the transactions, geographical locations, retailers, and stores of the retailers. The correlations are provided as timely retail recommendations to the retailers and entities for suggested changes that are likely to optimize purchase transactions. The entities may comprise manufacturers of an item, a supplier of the item, a distributor of the item, and a Consumer Packaging Goods (CPG) company of the item.
    Type: Grant
    Filed: May 28, 2021
    Date of Patent: January 9, 2024
    Assignee: NCR Voyix Corporation
    Inventors: Christopher John Costello, Matthew Robert Burris, Itamar David Laserson, Norman Leonard Trujillo
  • Patent number: 11869063
    Abstract: Aspects described herein may relate to methods, systems, and apparatuses that provide new capabilities for recommending purchases to a user based on the user's past purchasing history and the purchase history of others. A new descriptor referred to as “purchase embeddings” is disclosed, which are data records in a new multi-dimensional space for describing and tracking purchases of goods and services.
    Type: Grant
    Filed: July 1, 2021
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kate Key, Anh Truong, Jeremy Goodsitt, Galen Rafferty, Austin Walters, Vincent Pham
  • Patent number: 11869064
    Abstract: A properly sized article of clothing, such as footwear, can be identified by performing a 3D scan of a corresponding portion of a user's body and comparing the size, shape, and external volume of the corresponding portion of the user's body with known sizes, shapes, and internal volumes of articles of clothing offered by a retailer. This process can increase the ability of retailers to match consumers with properly fitting articles of clothing, such as footwear. Additionally, the proper size, and best fitting styles of footwear can be recommended to the user from a variety of offerings provided by the retailer. 3D scanning the user's body allows both retailers and customers to account for subtle size differences that exist in various clothing products and allow consumers to be matched with the best fitting clothing without the need to purchase or return multiple items.
    Type: Grant
    Filed: February 13, 2023
    Date of Patent: January 9, 2024
    Inventor: Hobin Soekawan
  • Patent number: 11869065
    Abstract: This disclosure describes systems and techniques for identifying events that occur within an environment using image data captured at the environment. For example, one or more cameras may generate image data representative of a user interacting with an item on the shelf. This image data may be used to generate feature data associated with the user and the item, which may be analyzed by one or more classifiers for identifying an interaction between the user and the item. The systems and techniques may then generate interaction data, which in turn may be analyzed by one or more additional classifiers for identifying an event, such as the user picking a particular item from the shelf within the environment. Event data indicative of the event may then be used to update a virtual cart of the user.
    Type: Grant
    Filed: February 11, 2019
    Date of Patent: January 9, 2024
    Assignee: Amazon Technologies, Inc.
    Inventors: Jayakrishnan Kumar Eledath, Nikhil Chacko, Alessandro Bergamo, Kaustav Kundu, Marian Nasr Amin George, Jingjing Liu, Nishitkumar Ashokkumar Desai, Pahal Kamlesh Dalal, Keshav Nand Tripathi
  • Patent number: 11869066
    Abstract: Apparatus and associated methods relate to an automatic ordering method including a network-connected machine-readable code scanner identifying a product, and a network-connected weigh scale identifying a current weight of the product, the method further triggering an automatic order process when the current weight crosses a predetermined threshold. In an illustrative example, the automatic order process may send a signal to a user's network-connected personal device containing a notification that the products current weight has crossed the predetermined threshold. The user may be presented one or more options, for example, regarding product purchase. In some examples, user setup selections may provide input to a function that determines the predetermined weight threshold. Various examples may include a network server. Online merchants providing online ordering of the product may also connect to the network server, for example.
    Type: Grant
    Filed: February 6, 2018
    Date of Patent: January 9, 2024
    Assignee: HONEYWELL INTERNATIONAL INC.
    Inventors: Adam Dewey McBrady, Teresa Marta, Stephan Bork, Tong Shang
  • Patent number: 11869067
    Abstract: Guiding purchasing via smartphone by, determining, via smartphone input of a user, the smartphone user's intent to purchase a given product. At least one sequence of tasks to purchase each of a plurality of products is determined. The determined intent to purchase the given product is associated with a determined sequence of tasks to purchase one of the products in the plurality of products. The smartphone user's current state in the associated sequence of tasks is determined. The smartphone user is notified, via the smartphone, of the next uncompleted task from the associated sequence of tasks based on the smartphone user's current state in the associated sequence of tasks.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: January 9, 2024
    Assignee: Google LLC
    Inventors: Raghava Viswa Mani Kiran Peddinti, Lakshmi Kumar Dabbiru
  • Patent number: 11869068
    Abstract: Systems, apparatuses, and methods of an event-based automatic transaction on behalf of a user include and not limited to, determining, based on a plurality of information sources including a plurality of news information sources independent of a particular physical location, a probability of an event occurring, the probability being based on a predetermined percentage of news information sources indicating that the event is going to occur or is occurring, in response to the probability of the event occurring satisfying a predetermined threshold corresponding to the predetermined percentage, determining a location impacted by the event, in response to determining that the location of the user is proximate to the location impacted by the event, initiating a transaction with a mobile banking client application linked to an authorized financial account on behalf of the user, the authorized financial account being associated with the user and provided by the financial institution computing system.
    Type: Grant
    Filed: January 18, 2022
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Himanshu Baral, David J. Hiltgen, Christine Rein, Laura B. Smith
  • Patent number: 11869069
    Abstract: Apparatuses, systems, methods, and computer program products are disclosed for externally held account discovery and aggregation. A method includes aggregating transactions of a first service provider from one or more servers to a trusted hardware device. A method includes identifying, on a trusted hardware device, one or more transactions of a first service provider between an account of a user with the first service provider and an account of the user with a second service provider. A method includes prompting a user for electronic credentials for an account of the user with a second service provider. A method includes accessing data of a user from a second service provider on behalf of the user using electronic credentials.
    Type: Grant
    Filed: January 31, 2018
    Date of Patent: January 9, 2024
    Assignee: MX TECHNOLOGIES, INC.
    Inventors: Daniel Ries, John Ryan Caldwell
  • Patent number: 11869070
    Abstract: In an aspect, a method performed at a server includes: receiving an electronic message indicating an expected transfer, the message indicating at least a quantity of resources associated with the expected transfer and a value date associated with the expected transfer; detecting a trigger condition associated with the expected transfer; in response to detecting the trigger condition associated with the expected transfer, determining whether a transfer associated with the expected transfer has been made; and in response to determining that the expected transfer has not been made, providing a notification to a client device associated with a recipient of the expected transfer.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: January 9, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Carlos Alejandro Kade, Anne Marie Morissette, Vijay Kumar, Caroline Bandiera, Adriann Teresa Coe
  • Patent number: 11869071
    Abstract: Disclosed is an example approach in which news alerts are scanned in real-time or near real-time, relevant alerts identified through a topic extraction model, and associated actors identified through an entity extraction model. An entity resolution model may be applied to determine which actors are clients. The topic extraction, entity extraction, and/or entity resolution models may apply, for example, natural language processing models. The alert may be enriched by being packaged with client and transactional data to generate an enriched alert. A predictive model may be applied to the enriched alert to identify events with a high probability of law enforcement referral, and the enriched alert may be automatically transmitted to certain identified devices. The predictive model is trained using a combination of news alerts and data on clients and transactions, yielding enhanced predictions.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Angelica Bullard, Mauricio Flores, Ian Kloville, Jeremy Norvell, Sameer Shetty, Michael Traverso
  • Patent number: 11869072
    Abstract: Systems and methods for permitting a buyer of a mobile home to apply for a mortgage by taking digital photographs of documents with his or her mobile device are disclosed. The borrower's mobile device may include subsystems for processing the image, optimizing it, and converting the image into a file type that may be acceptable by a lender. A loan facilitation platform performs additional processing to determine whether the document may be deemed acceptable by a lender. If so, the processed documents may be sent to a lender. The systems and method disclosed herein improve the mortgage application review and approval process and bring greater transparency to it.
    Type: Grant
    Filed: April 5, 2021
    Date of Patent: January 9, 2024
    Assignee: Braustin Homes, Inc.
    Inventor: Alberto Brandon Pina
  • Patent number: 11869073
    Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).
    Type: Grant
    Filed: September 1, 2021
    Date of Patent: January 9, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Sang Woo Choi, Timothy Davison, Garrett Rielly Rapport
  • Patent number: 11869074
    Abstract: A system for generating video content may include a bank database that has a first set of data associated with an account status of an individual. The system may also include a credit provider database that includes a second set of data associated with a credit status of the individual and at least one processor. At least one processor may receive an indication that the credit status of the individual has changed, retrieve the first set of data from the bank database and the second set of data from the credit provider database, generate a personalized financial video associated with the individual based on the first set of data and the second set of data, and transmit the personalized financial video to a computing device associated with the individual.
    Type: Grant
    Filed: June 15, 2022
    Date of Patent: January 9, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christine Catsifas, Scott Pollock, Marcos Rosenburg, Vikram Parekh, Marty Lee Mendivil, Staci Rohde, Evan Sobinovsky, Mikel Van Cleve
  • Patent number: 11869075
    Abstract: Techniques and apparatus for an interactive element presentation process are described. In one embodiment, for example, an apparatus may include a storage device and logic, at least a portion of the logic implemented in circuitry coupled to the storage device. The logic may operate to maintain a platform database of services selection information based on user selections of a plurality of services, receive an onboarding request from a user device to register a user with a service platform requiring background verification, determine an onboarding request result, and transmit an eligible set of the plurality of service options for presentation on a user device based on a user level of approval and services selection information. Other embodiments are described.
    Type: Grant
    Filed: July 28, 2022
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeremy Phillips, Elizabeth Epstein
  • Patent number: 11869076
    Abstract: Techniques are described for reducing the number of transactions required to perform operations for services that support many-to-many relationships between entities. A one-to-many operation that involves an entity of a first type and multiple entities of a second type may be performed in two asynchronous phases: a one-to-intermediary phase and an intermediary-to-many phase. During the one-to-intermediary phase, a single transaction is performed between the entity of the first type and an intermediary. During the intermediary-to-many phase, a distinct transaction is performed between the intermediary and each of the entities of the second type that are involved in the one-to-many operation. The transaction performed for a particular entity of the second type during the intermediary-to-many phase may aggregate all changes that affect the particular entity, thereby significantly reducing the number of transactions performed by the system.
    Type: Grant
    Filed: February 2, 2018
    Date of Patent: January 9, 2024
    Assignee: LENDINGCLUB BANK, NATIONAL ASSOCIATION
    Inventor: Shanmughavadivelu Gopalakrishna
  • Patent number: 11869077
    Abstract: A fraud prevention server that includes an electronic processor and a memory. The memory includes an online application origination (OAO) service and a plurality of OAO models, each of the plurality of OAO models differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device. When executing the OAO service, the electronic processor is configured to receive form data from a client server, determine a best OAO model from a plurality of OAO models with deep-learning, determine a fraud score of the online application based on the best OAO model, and control the client server to approve, hold, or deny the online application based on the fraud score that is determined.
    Type: Grant
    Filed: October 7, 2021
    Date of Patent: January 9, 2024
    Assignee: MASTERCARD TECHNOLOGIES CANADA ULC
    Inventors: Ashish Kumar, Sangam Verma, Tanmoy Bhowmik, Karamjit Singh, John Hearty, Sik Suen Chan
  • Patent number: 11869078
    Abstract: A method for generating a prediction of a latency of a transaction processing system includes: sampling a first plurality of messages from a database that stores data indicative of messages previously processed by the transaction processing system including a characteristic and a processing time of each previously processed message; generating latency tables based upon the characteristics and the processing times of the sampled first plurality of messages; determining a characteristic of each of a second plurality of messages being processed by the transaction processing system; selecting, for each of the second plurality of messages, a latency table from the plurality of latency tables based upon the respective determined characteristic; simulating a processing time for each of the second plurality of messages based upon the respective selected latency table; and generating a latency prediction for the transaction processing system based upon the simulated processing times for the second plurality of message
    Type: Grant
    Filed: April 15, 2021
    Date of Patent: January 9, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Jose Antonio Acuña-Rohter, Paul Callaway, Kyle D. Kavanagh, Christopher Walsh, Sherry Bryant, Elisa Lugo, Joshua Hoffberg
  • Patent number: 11869079
    Abstract: A method for executing a trade is provided that includes communicating financial information to a handheld device via a network, the financial information being associated with a trade that can be initiated by the handheld device. The handheld device is connected to the network via a Push to Trade™ protocol. The method also includes executing the trade on behalf of the end user.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: January 9, 2024
    Assignee: CFPH, LLC
    Inventors: Darrin Michael Mylet, Lee M. Amaitis
  • Patent number: 11869080
    Abstract: Certain embodiments provide systems, methods, and apparatus for trading in a distributed server architecture. An example method includes receiving, by a computing device, a definition for a trading strategy, wherein the trading strategy includes a first tradeable object and a second tradeable object. The example method includes selecting, by the computing device, a first server to process one or more trade orders for the first tradeable object and a second server to process one or more trade orders for the second tradeable object. The example method includes sending, by the computing device, the definition for the trading strategy to the first server and the second server.
    Type: Grant
    Filed: July 2, 2021
    Date of Patent: January 9, 2024
    Assignee: Trading Technologies International, Inc.
    Inventors: Patricia A. Messina, Bharat Mittal
  • Patent number: 11869081
    Abstract: Systems and methods for implementing a confirmation period are disclosed. An example method includes identifying a market condition associated with a quantity of a tradeable object of a trading strategy, wherein the market condition triggers an adjustment to the trading strategy; initiating a confirmation period in response to the market condition; when a reevaluation of the market condition during the confirmation period indicates that the market condition has ceased, preventing the adjustment to the trading strategy; and when the market condition persists throughout the confirmation period, proceeding with the adjustment to the trading strategy.
    Type: Grant
    Filed: January 5, 2022
    Date of Patent: January 9, 2024
    Assignee: Trading Technologies International, Inc.
    Inventor: Patricia A Messina
  • Patent number: 11869082
    Abstract: An apparatus, method, and non-transitory medium for betting on weather predictions are disclosed herein. A plurality of longitude and latitude coordinate pairs may be received from a remote device. The display device may render data on a graphical user interface representing a binary option based on whether a storm will make landfall within the certain radius. The display device may show a plurality of landfall probabilities on the map. A request to purchase the binary option may be received. It may be determined whether the landfall location corresponds to a zip code associated with the given longitude latitude pair in the memory.
    Type: Grant
    Filed: April 26, 2022
    Date of Patent: January 9, 2024
    Assignee: CFPH, LLC
    Inventor: Rich Jaycobs
  • Patent number: 11869083
    Abstract: The invention relates to systems and methods for distributing market data. In one implementation, the system may generate a new encryption key at each market data update, and use that key to encrypt each market participant's data in that update before it is sent. Among other factors, characteristics of modern computer networks may cause participants to be sent (and to receive) their encrypted data in that update at different times. After the participants have all been sent their data in that update the system may then simultaneously transmit to those participants the key that will enable them to decipher their data. In an implementation, the key may be transmitted via a multicast transport protocol which can be used to ensure all recipients receive it at the same time. In this manner the invention may ensure that although participants receive their data in a given update at different times, they are unable to decipher that data until substantially the same time.
    Type: Grant
    Filed: May 23, 2022
    Date of Patent: January 9, 2024
    Assignee: Refinitiv US Organization LLC
    Inventor: Hayden Paul Melton
  • Patent number: 11869084
    Abstract: The invention relates to systems and methods that provide a user interface for use with an electronic trading system. The interface notifies the user that the price at which he or she may have attempted to trade has changed and presents the user with the opportunity to submit, modify or cancel the trade command. The user may configure the trading system to enable such a notification based on the time span for the price change, the number of increments of the price change, a combination thereof or any other appropriate consideration for protecting against the occurrence of erroneous price entries. Subsequent trade commands, such as those entered by third parties, may be used to validate prices and execute trades at these prices.
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: January 9, 2024
    Assignee: BGC PARTNERS, INC.
    Inventors: Howard W. Lutnick, Kevin M. Foley, Joseph C. Noviello, Lon Steger, Matthew Claus, Michael Sweeting