Patents Issued in February 20, 2024
  • Patent number: 11907979
    Abstract: Methods and systems are presented for enhancing a merchant product webpage by providing additional content associated with a product being displayed on the merchant product webpage. A product catalog stores product records corresponding to data associated with different products. As a webpage is accessed by a user device, data is extracted from the merchant product webpage. The extracted data is used to identify one or more product records in the product catalog that are potential matches to the webpage. When multiple product records are identified, a remote server is used to access and interact with the webpage separate from the user device. Additional data is extracted from the webpage based on interactions by the remote server with the webpage. The additional data is used to determine a single product record for the webpage. The webpage is modified based on the single product record.
    Type: Grant
    Filed: December 27, 2021
    Date of Patent: February 20, 2024
    Assignee: PayPal, Inc.
    Inventors: Michael Brawer, David Phillips, Anthony Le, Kaan Erdener
  • Patent number: 11907980
    Abstract: A method and system for improved management of a purchase order comprises searching online for at least one product or group of products similar to each other to be ordered from a generic supplier and obtaining a confirmation of availability. The step of searching for the product to be ordered from the generic supplier can be extended to search for the product or the group of products or alternative products available at at least one alternative supplier. The product or group of products or the alternative products found at the alternative supplier are inserted into a shopping cart of the alternative supplier and compared with the product or the group of products of the generic supplier. The extension of the search is started automatically by a search and compare software application authorized by the user and provided by the alternative supplier.
    Type: Grant
    Filed: February 16, 2021
    Date of Patent: February 20, 2024
    Assignee: Ingram Micro S.r.l.
    Inventors: Antonio Masenza, Pietro Viccardi
  • Patent number: 11907981
    Abstract: Embodiments herein disclose computer-implemented methods, computer program products and computer systems for context based online garage offering. The computer-implemented method may include receiving listing data from the seller users corresponding to items offered for sale, wherein the one or more seller users and one or more buyer users are registered with a web-based exchange platform based on user registration data; determining a seller context for the items based on the user registration data and the listing data; receiving historical item data for the items; determining disposal costs versus carry costs for the items based on the historical item data; determine potential buyers based on the listing data and potential buyer activity of the buyers; determining a buyer context based on the user registration data and the potential buyer activity; generating offer data for the items; and presenting the offer data to the seller users via a computing device user interface.
    Type: Grant
    Filed: April 21, 2021
    Date of Patent: February 20, 2024
    Assignee: International Business Machines Corporation
    Inventors: Shikhar Kwatra, Raghuveer Prasad Nagar, Jeremy R. Fox, Mauro Marzorati
  • Patent number: 11907982
    Abstract: Systems and methods are provided for coordinating an Unmanned Vehicle (UV) to perform authenticated delivery of goods. A method for coordinating a delivery may include instructing, via a communication network, a user device to collect user preferences on delivery logistics. The method may also include receiving the user preferences from the user device. The method may also include receiving user financial data from a financial service provider server. The method may also include receiving real-time information comprising location information of a UV and a user device. The method may also include authorizing the delivery of the package if an authentication process is satisfied based on the user preferences, the user financial data, and the real-time information. The method may also include transmitting to the UV a command to complete the delivery, if the delivery is authorized. The method may also include transmitting to the UV an abort command, if the delivery is not authorized.
    Type: Grant
    Filed: December 7, 2021
    Date of Patent: February 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeremy J. Phillips, Kevin S. Park, Shane F. Blackman
  • Patent number: 11907983
    Abstract: A method and apparatus for a commerce platform providing proof of application ownership of a network distributable application are described. The method may include receiving a request to approve an application developed by a merchant system, wherein the application includes an application programming interface (API) component, a software development kit (SDK) component, or a combination thereof provided by the commerce platform to the merchant system. The method may also include generating a unique identifier (ID) for the application to be included as metadata within the application. Furthermore, the method may include obtaining, from an application information system, data describing the application, and extracting an ID from metadata in the data obtained by the application information system.
    Type: Grant
    Filed: March 4, 2022
    Date of Patent: February 20, 2024
    Assignee: STRIPE, INC.
    Inventor: Joseph Patrick Kirwin
  • Patent number: 11907984
    Abstract: A method for processing a chargeback request associated with at least one online transaction associated with a user includes: receiving a chargeback message associated with the at least one online transaction; based at least partially on the unfamiliar merchant name in the chargeback message, determining at least one potential familiar merchant name associated with the at least one unfamiliar merchant name; scanning a browser history of the user including browser data; determining whether the user visited a website associated with the at least one potential familiar merchant name; and generating and communicating a recommendation message including the at least one potential familiar merchant name. A system for processing a chargeback request associated with at least one online transaction associated with a user is also disclosed.
    Type: Grant
    Filed: August 29, 2022
    Date of Patent: February 20, 2024
    Assignee: Visa International Service Association
    Inventors: Rohit Sukhija, Aditya Ashok Kale
  • Patent number: 11907985
    Abstract: The present technology pertains to a distributed server system for verifying vendors. The distributed server system comprises one or more nodes on a distributed network; a communication interface of a first node that communicates over a communication network with the one or more nodes on the distributed network, wherein the communication interface receives information about a unique seal associated with a product in response to a query; and a processor of the first node that executes instructions stored in memory, wherein execution of the instructions by the processor verifies that a vendor is associated with the unique seal has been appended to a distributed ledger, determines a match between the unique seal and the vendor; and, after determining the match, confirms that the vendor is a certified vendor of the product.
    Type: Grant
    Filed: September 22, 2022
    Date of Patent: February 20, 2024
    Assignee: Cisco Technology, Inc.
    Inventors: D. Brice Achkir, Pavan Mettu
  • Patent number: 11907986
    Abstract: At least one database is organized as a plurality of records, wherein each record contains information associated with one individual person, and a portion of the information is customizable into at least one dynamically productizable dataset. When a request for a plurality of productized datasets is received, and when the request defines fields common to each of the plurality of productized information sets, the database is searched to find records that match the defined fields of the request. Information is retrieved from at least some of the found records that match the defined fields, and at least some of the retrieved information is formed into the plurality of productized datasets. The plurality of productized datasets is communicated to a source of the request.
    Type: Grant
    Filed: May 26, 2021
    Date of Patent: February 20, 2024
    Assignee: Canary Medical Switzerland AG
    Inventors: Michael E. Raynor, William L. Hunter
  • Patent number: 11907987
    Abstract: A computer-implemented method for determining image similarity includes determining, by a first neural network, a first feature value associated with a first characteristic of a first product based on an image of the first product. The method also includes determining, by a second neural network, a second feature value associated with a second characteristic of the first product based on the image of the first product. The method further involves calculating a first vector space distance between the first feature value and a third feature value associated with the first characteristic of a second product, and calculating a second vector space distance between the second feature value and a fourth feature value associated with the second characteristic of the second product. Additionally, the method includes determining a similarity value based on the first vector space distance and the second vector space distance.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: February 20, 2024
    Assignee: Home Depot Product Authority, LLC
    Inventors: Estelle Afshar, Matthew Hagen, Huiming Qu
  • Patent number: 11907988
    Abstract: The present invention provides systems and methods for providing interactive visual images in a mobile-based crowdsourcing platform. More specifically, the system of the present invention includes a plurality of remote mobile devices and a visual imaging system configured to communicate and exchange data with a cloud-based service, such as a crowdsourcing platform. The crowdsourcing platform generally provides a geolocation service based on the crowdsourcing, or polling, of users of the mobile devices, in addition to visual data captured by the visual imaging system, so as to determine location and movement of the users within a specific environment. The system is further configured to automatically render an augmented or virtual reality floor plan or layout of a location based on the user data and visual data.
    Type: Grant
    Filed: December 15, 2021
    Date of Patent: February 20, 2024
    Assignee: CrowdComfort, Inc.
    Inventor: B. Eric Graham
  • Patent number: 11907989
    Abstract: An interface is rendered on a user-operated device. Selections are made with respect to a first set of options by the user operating the interface. A list of potential food dishes for further selection by the user is presented within the interface based on the selections. A food dish selection is received from the user through the interface. A recipe for the selected food dish is generated and presented within the interface based on the food dish selection and a list of ingredients needed for the recipe are generated as a shopping list for the user to obtain at a store. In an embodiment, a navigation route to obtain the ingredients within the store is provided to the user when the user is at the store, allowing the user to traverse the route within the store and obtain each of the ingredients.
    Type: Grant
    Filed: October 28, 2021
    Date of Patent: February 20, 2024
    Assignee: NCR Voyix Corporation
    Inventors: Kip Oliver Morgan, Gina Torcivia Bennett, Kelli Lee, James Naoki Shaw
  • Patent number: 11907990
    Abstract: A method, computer system, and computer program product for determining a desirability of a product attribute are provided. The embodiment may include extracting a plurality of product features corresponding to one or more products. The embodiment may also include analyzing a plurality of product reviews to determine a sentiment toward the extracted product features. The embodiment may further include calculating a desirability score for each product feature. The embodiment may also include, in response to receiving a user query associated with a product, identifying a product feature to which the received user query relates. The embodiment may further include generating a response to the received user query based on the calculated desirability score.
    Type: Grant
    Filed: September 28, 2017
    Date of Patent: February 20, 2024
    Assignee: International Business Machines Corporation
    Inventors: Donna K. Byron, Carmine DiMascio, Florian Pinel
  • Patent number: 11907991
    Abstract: Systems and methods for item price assignment. A line recommendation engine receives unassigned records from a queue and stores one or more line recommendations for the unassigned item record in a recommendation database. The line recommendation engine can determine a new line should be recommended, and/or which existing lines the unassigned item record could be assigned to. A user interface can display the one or more line recommendations for the unassigned item record to a user and receive an input indicating a selected line identifier for the unassigned item record. A machine learning engine can modify a parameter of the line recommendation engine based on the selected line identifier.
    Type: Grant
    Filed: August 21, 2019
    Date of Patent: February 20, 2024
    Assignee: Walmart Apollo, LLC
    Inventors: Scott MacKenzie, Luis Fernando Jover, Avinash M. Jade, Mohit Batham
  • Patent number: 11907992
    Abstract: Computer-implemented methods and systems for colour-based image tagging and colour-based searching. The method may include identifying, using image analysis, one or more dominant colours of a product based on an image of the product and receiving selection of at least one of the one or more dominant colours. In response to receiving the selection of the at least one of the one or more dominant colours, a search for products matching the at least one of the one or more dominant colours may be initiated to obtain one or more results of the searching, the one or more results including at least one product matching the at least one of the one or more dominant colours.
    Type: Grant
    Filed: April 4, 2022
    Date of Patent: February 20, 2024
    Assignee: Shopify Inc.
    Inventors: Niklas Itaenen, Kshetrajna Raghavan, Xiaoxiao Li, Kyle Bruce Tate, Siphumelele Langeni, Peng Yu
  • Patent number: 11907993
    Abstract: Techniques are described for determining a value metric for each of a plurality of payment cards, and recommending payment card(s) based on their respective value metrics. Implementations provide a recommendation engine that analyzes user data and card data, and recommends payment card(s) that may be suitable for a user. The engine consumes usage data and credit score and uses that information, along with characteristics of various available cards, to develop a value metric for each payment card that indicates how valuable owning the card would be to the particular user, such as how much money the user can expect to make or lose every year if they use the card as indicated, given the card's interest rate, rewards, fees, and so forth. The engine can rank the cards according to their value metrics, and the top-ranked card(s) are presented to the user as recommendations in a user interface.
    Type: Grant
    Filed: August 20, 2019
    Date of Patent: February 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Patrick Kelley, Jarrod Lawrence Joplin, Daniel Ronald Zaharia, Carly Jean Stevens, Sean Holstien, Cornelius Williams, Trisha Suzanne Mock, Elainie B. Hicks, Christopher Gregory, John Griffin, Ryan Clark, Audra Kelley
  • Patent number: 11907994
    Abstract: A method including receiving an input regarding a mattress assembly from an end user, the input including an indication of a desired feel and a plurality of current layers included in the mattress assembly, querying a database using the received input, receiving a list of layers and a layer arrangement from the database in response to the query, determining if the plurality of current layers matches the list of layers, identifying at least one of a specialty layer or a replacement layer when the plurality of current layers do not match the list of layers, determining a recommendation including the list of layers, an indication of a cost of the identified at least one of the specialty layer or the replacement layer when the plurality of current layers does not match the list of layers, and the layer arrangement, and sending the recommendation to the end user.
    Type: Grant
    Filed: February 1, 2021
    Date of Patent: February 20, 2024
    Assignee: Ahhfactor LLC
    Inventor: Christopher E. Nolte
  • Patent number: 11907995
    Abstract: There are provided systems and methods for edge computing storage nodes based on location and activities for user data separate from cloud computing environments. A service provider, such as an online transaction processor, may provide additional services for to users via edge computing systems and edge computing storage nodes. The service may be for data that may be predictively loaded to the edge computing storage node for a particular location, where the edge computing storage node may reside more locally to the location on a network so that data may be served quicker and with less network resource consumption than providing data from a remote cloud computing storage. The data may be predicted to be needed or useful to the user at the location using a user profile for the user, monitored user activities, and/or one or more machine learning models that predict user behaviors at the location.
    Type: Grant
    Filed: July 30, 2021
    Date of Patent: February 20, 2024
    Assignee: PAYPAL, INC.
    Inventors: Michael Charles Todasco, Patrick Babcock, Avik Chatterjee
  • Patent number: 11907996
    Abstract: An item recommendation control platform is disclosed. The item recommendation control platform presents an administrative user one or more user interfaces at which recommendation rules may be defined. Each of the recommendation rules may be associated with one or more nodes within a retail website, such as an item detail page or an item category page. The recommendation rules may be selected, defined, and prioritized, such that one or more item recommendation rules may be reflected within a given item recommendation presented on a retail website. The item recommendation rules can include one or more filters, the filters controlling which items may be recommended to a given user based, for example, on item availability or shipping availability.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: February 20, 2024
    Assignee: Target Brands, Inc.
    Inventors: Jacob Portnoy, Anupama Joshi, Sayon Majumdar, Ken Dombeck
  • Patent number: 11907997
    Abstract: Methods, systems, and apparatuses are described herein for providing purchase recommendations by analyzing social networks using machine learning. A machine learning model may be trained to select one or more of the first plurality of users. Purchase intention data that indicates an intention of a first user to acquire a type of asset may be received. Social networking data that comprises a plurality of associations between a second plurality of users may be received. Purchase history data indicating one or more purchases, of one or more assets associated with the type of asset, made by the second plurality of users may be received. The trained machine learning model may be provided the data. In return, the trained machine learning model may provide an indication of a second user. A notification may be sent to the second user.
    Type: Grant
    Filed: September 29, 2021
    Date of Patent: February 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Micah Price, Avid Ghamsari, Qiaochu Tang, Geoffrey Dagley, Staeven Duckworth
  • Patent number: 11907998
    Abstract: In some embodiments, purchase systems and methods are provided. Some embodiments comprise one or more processors configured to receive, at a point of sale device, a request to use self-checkout through a user computing device; couple the point of sale device with the user computing device by: display by the point of sale device a coupling code configured to be scanned by the user computing device; receive the coupling code by a server system; and interpret, at the server system, the coupling code to identify the point of sale device; cause contents of an electronic shopping cart associated with a transaction to be transmitted to the identified point of sale device; receive a customer identifier associated with the transaction; and conclude, on the point of sale device, the transaction based on the coupling of the point of sale device with the user computing device.
    Type: Grant
    Filed: January 26, 2022
    Date of Patent: February 20, 2024
    Assignee: Walmart Apollo, LLC
    Inventors: Anirvan Karmakar, Sreenu Valeti, Sreejith Sreedharan, Ananda Pillareddy
  • Patent number: 11907999
    Abstract: This application relates to apparatus and methods for automatically determining item relevancy based on textual information. In some examples, a computing device receives a search query, and a plurality of items corresponding to the search query. The computing device may identify one or more features of the search query. The computing device may generate relevancy values for each of the items based on the features of the search query, and features of each of the plurality of items. For example, the computing device may generate, for each of the items, a plurality of relevance values, each relevance value generated based on a feature of the search query and corresponding features of the item. The computing device may transmit the generated relevancy values for the plurality of items. In some examples, the computing device may rank the plurality of items based on the generated relevancy values.
    Type: Grant
    Filed: January 25, 2023
    Date of Patent: February 20, 2024
    Assignee: Walmart Apollo, LLC
    Inventors: Rahul Iyer, Shashank Kedia, Anirudha Sundaresan, Shubham Gupta, Praveenkumar Kanumala, Stephen Dean Guo, Kannan Achan
  • Patent number: 11908000
    Abstract: In an example embodiment, when a user creates a consignment issue item for a given product in a sales order, the system will reserve/temporarily allocate the available quantity in consignment stock. A synchronous call to lock the inventor makes a tentative update to the inventory stock on the quantity required for the request product on the created issue item. This update is tentative because the locked quantity should be released if the user decides not to save the document, but it also should be locked so that it is not available to another user who is also trying to create an issue item in a different sales order document for the same product in a parallel session. The allocation may also change several times before saving the document by additional synchronous calls that again update the tentative allocations. When the user finally decides the final state of the issue item, it asynchronously sends either a confirmation or compensate message based on whether the document was saved or not saved.
    Type: Grant
    Filed: March 4, 2022
    Date of Patent: February 20, 2024
    Assignee: SAP SE
    Inventors: V Krishna Anaparthi, Iris Zimmermann, Uday Kamte, Suanka Srivastava
  • Patent number: 11908001
    Abstract: Information related to apparently successful matches between two entities is collected, and culled based on a later indication that the match failed. Matches between two entities may be generated based on comparative information with other entities who appear to share some characteristics or preferences. Matches may be based on actual actions, in contrast to expressed preferences. Actual actions may be taken into account in addition to expressed preferences. Generation of matches may take into account geographical and/or temporal proximity and/or likelihood of receiving a response, in addition to other attributes of an entity. Matching algorithms may be updated based on entity input. Potential matches may be presented to third party entities for evaluation.
    Type: Grant
    Filed: September 1, 2020
    Date of Patent: February 20, 2024
    Assignee: PLENTYOFFISH MEDIA ULC
    Inventors: Markus Frind, Steve Oldridge
  • Patent number: 11908002
    Abstract: A method of delivering advertising in an online environment includes determining a context of a user operating a client computer to interact with an e-commerce website, where the determined context representing an intent of the user to locate a product for purchase, defining a relation between one or more of a plurality of advertisements and the product based on at least one of a plurality of relevance types, and displaying, to the user, at least one of the advertisements having the relation to the product.
    Type: Grant
    Filed: October 13, 2021
    Date of Patent: February 20, 2024
    Assignee: Black Crow AI, Inc.
    Inventors: Joshua Feuerstein, Richard Harris, Joshua Hartmann, Adam R. Pritchard, Arun Rajan, Kurt Schrader, Jonathan Taqqu, Damon Tassone
  • Patent number: 11908003
    Abstract: A computer-implemented method for providing a personalized interface to a user based on whether the user is serious about making a purchase may include: obtaining customer identification data and customer input data a customer, wherein the customer input data comprises a request from the customer; determining a request status of the customer based on the customer identification data and the customer input data; obtaining customer interface activity data of the customer based on the request status; obtaining customer purchasing data of the customer based on the request status; generating a prediction model based on the customer interface activity data and the customer purchasing data; training the generated prediction model by classifying the customer based on the customer interface activity data and the customer purchasing data; obtaining user identification data and user interface activity data of a user via a user device, the user interface activity data indicating interactive activities between the user an
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: February 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Micah Price, Chi-san Ho, Yue Duan
  • Patent number: 11908004
    Abstract: A communication system enabling a first wireless subscriber in need of an instant credit line to use a creditee module on a portable wireless communication device to request credit from a second subscriber that has available credit at a financial institution. The second subscriber uses a creditor module on their device to generate rules for the extension of a credit line guaranteed by the financial institution of the second subscriber. If the rules are met, a credit authorization code is generated by the system and forwarded to the creditee module of the first subscriber's device such that the code can be subsequently used to complete a transaction initiated by the first subscriber to pay a vendor. The vendor may then employ a vendor's module to access the issued credit as prescribed by the creditor module.
    Type: Grant
    Filed: July 22, 2021
    Date of Patent: February 20, 2024
    Inventor: Mundi Fomukong
  • Patent number: 11908005
    Abstract: Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.
    Type: Grant
    Filed: August 8, 2022
    Date of Patent: February 20, 2024
    Inventors: Magali Courbage, Richard Rodenbusch, Jean-Dominique Morani
  • Patent number: 11908006
    Abstract: A computer implemented method for cross asset correlation includes receiving, by a processor, portfolio data for a plurality of portfolios, determining, by the processor, a single portfolio performance vector for each of the plurality of portfolios based on a portfolio specific model, determining, by the processor, a joint portfolio performance vector for the plurality of portfolios based on portfolio specific models, determining, by the processor, for each portfolio, a portfolio specific scalar based on the single portfolio performance vector and the joint portfolio performance vector; and modifying, by the processor, a portfolio risk based on the portfolio specific model and the portfolio specific scalar.
    Type: Grant
    Filed: December 20, 2018
    Date of Patent: February 20, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Florian Huchedé, Robert Hayes, Abdoulaye Gory, David Henri Nicolay
  • Patent number: 11908007
    Abstract: This invention relates to systems and methods for processing and visualizing data related to trading strategies for exchange-traded equities based upon real-time options data.
    Type: Grant
    Filed: August 17, 2020
    Date of Patent: February 20, 2024
    Assignee: OptionsAI, LLC
    Inventors: John L. Foley, Alexander Griffiths, Calvin C. Lagator, Demetrios Lyristis
  • Patent number: 11908008
    Abstract: An exchange computer system for improving risk management is described. A user may create a risk profile that includes a risk threshold, and may identify a set of one or more security transaction orders to be associated with the risk profile. The exchange computer system may receive the risk profile from a user device, determine that the set of one or more security transaction orders are associated with the risk profile, and monitor the one or more security transaction orders included in the set. Based on the monitoring, the exchange computer system may determine that the risk threshold is satisfied. In response to determining that the risk threshold is satisfied, the exchange computer system may alert the user and cancel the one or more security transaction orders included in the set.
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: February 20, 2024
    Assignee: Cboe Exchange, Inc.
    Inventors: Luca Samman, Kevin Carrai, Adam Inzirillo
  • Patent number: 11908009
    Abstract: Methods and systems are disclosed for determining changes or revisions to a set of data and providing a user with a computerized graphical depiction of these changes through the use of multiple geometric shapes, the positioning of which shapes relative to one another and the size of which shapes relative to one another depict the changes to the user.
    Type: Grant
    Filed: August 20, 2021
    Date of Patent: February 20, 2024
    Assignee: CFPH, LLC
    Inventors: Todd Berlent, Jeffrey Stephens, Luis Fernandez
  • Patent number: 11908010
    Abstract: A computer implemented method for determining implied orders in an electronic trading system is provided. The method comprises receiving a first set of one or more real orders, wherein the orders are not tradable against each other. One or more implied orders are identified within the first set of real orders. Market data corresponding to the implied orders can also be identified. At least one additional order is received and the tradability of the additional order is determined against the real or implied orders within the first set of real orders. A resting set of orders is determined from those real and implied orders within the first set of orders not affected by the tradability of the additional order. Implied orders are determined from within the set of resting orders.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: February 20, 2024
    Assignee: New York Mercantile Exchange, Inc.
    Inventors: Andrew Milne, Aleksandr Sedlin
  • Patent number: 11908011
    Abstract: A computer-implemented method for performing a token escrow swap on a network of nodes is disclosed herein. The method includes performing a buy operation including receiving an indication of a buy order placed by a buyer node through a broker-dealer node. The indication of the buy order includes attributes of the buy order. The method further includes creating an unsigned token allowance transaction for the buy order and an unsigned buy order transaction and sending the unsigned token allowance transaction for the buy order and the unsigned buy order transaction to the broker-dealer node. Doing so enables signing the unsigned token allowance transaction for the buy order by the buyer node and signing the unsigned buy order transaction by the broker-dealer node for a token escrow swap node.
    Type: Grant
    Filed: December 9, 2021
    Date of Patent: February 20, 2024
    Assignee: Forge Global, Inc.
    Inventor: Greg Brogger
  • Patent number: 11908012
    Abstract: A computer-implemented method for performing a digital currency escrow swap on a network of nodes is disclosed. The method includes placing transfer orders through an intermediate node and sending signed transfer order transactions with digital wallets to an escrow swap node. The method further includes performing a transfer-in order finishing operation by requesting a transfer of digital currency to the escrow swap node and receiving the digital currency via the transfer-in node. For each sell order, digital securities are transferred to the escrow swap node via the transfer-out node. The digital securities are sent from the escrow swap node. For each transfer-out order, the digital currency is sent to the transfer-out node. The method includes an analogous operation to finish a transfer-out order.
    Type: Grant
    Filed: December 9, 2021
    Date of Patent: February 20, 2024
    Assignee: Forge Global, Inc.
    Inventor: Greg Brogger
  • Patent number: 11908013
    Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.
    Type: Grant
    Filed: March 1, 2022
    Date of Patent: February 20, 2024
    Assignee: Nasdaq Technology AB
    Inventor: Kandan Venkataraman
  • Patent number: 11908014
    Abstract: Systems and methods for distributed ledger-based intraday trading are disclosed. In one embodiment, a method may include: receiving a digital representation of an amount of collateral for a cash borrower; receiving a digital representation of an amount of cash for a cash provider; receiving agreement from the cash borrower and the cash provider to terms of an intraday trade comprising a duration of the intraday trade, a collateral trade amount of the collateral, and a cash trade amount of cash; a smart contract executing the intraday trade by providing the trade amount of the digital collateral to the cash provider and the cash trade amount of the digital cash to the cash borrower; and the smart contract returning the trade amount of the digital collateral to the cash borrower and the cash trade amount of the digital cash to the cash provider at the completion of the intraday trade.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: February 20, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Scott Andrew Lucas, Christine Moy
  • Patent number: 11908015
    Abstract: Various embodiments disclosed herein relate to order entry. In the electronic trading process, order entry involves setting one or more order entry parameters, sending one or more order entry parameters, or both setting and sending one or more order entry parameters. As will be described in more detail below, various order entry actions, such as moving a cursor across an order entry line, moving a cursor into an order entry region, pressing an order entry button, or performing a gesture, may be used to trigger the setting, sending, or both setting and sending of one or more order entry parameters. At least some embodiments relate to enabling an order entry action before the order entry action is able to set, send, or both set and send one or more order entry parameters.
    Type: Grant
    Filed: July 11, 2022
    Date of Patent: February 20, 2024
    Assignee: Trading Technologies International, Inc.
    Inventor: Brian J. Buck
  • Patent number: 11908016
    Abstract: A computer-implemented method monitors a customer to detect money laundering activity at a first computer system by receiving a set of data related to at least a portion of transactional information of the customer, and transforming the set of data into a money laundering risk score of the customer. The method includes selecting a monitoring level to monitor data related to transactions of the customer based on the money laundering risk score. A first monitoring level is selected in response to the money laundering risk score being greater than a threshold. A second monitoring level is selected in response to the money laundering risk score being less than the threshold. The method includes transmitting at least a portion of personal data associated with the customer when the first monitoring level is selected and the first monitoring method detects that the customer matches a condition.
    Type: Grant
    Filed: January 31, 2023
    Date of Patent: February 20, 2024
    Assignee: AI OASIS, INC.
    Inventors: Yuh-shen Song, Catherine Lew, Alexander Song, Victoria Song
  • Patent number: 11908017
    Abstract: Document creation systems and methods are provided for a potential risk relationship between an enterprise and an entity. A back-end application computer server may include a data collection engine to exchange information with a remote entity device associated with the entity. A bundle creation engine may receive the information about the entity and automatically and dynamically create a potential bundle of optional risk relationship components (each associated with an electronic file representing an optional risk relationship component document). A presentation engine may present information about the potential bundle and receive an indication of a selected subset of the potential bundle of optional risk relationship components. A final document construction engine may automatically construct, based on the selected subset and associated electronic files representing component documents, an electronic file representing a risk relationship package document to be transmitted to the remote entity device.
    Type: Grant
    Filed: May 11, 2021
    Date of Patent: February 20, 2024
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Kristin Elizabeth Atherton, Bruce D. Betancourt, Lauren Charlotte Elliott, Laura O'Connor Hanson, Barkley Scott Harris, M. Gary Letscher, Diana Reihl, Catherine M. Sommer
  • Patent number: 11908018
    Abstract: A system for presenting operational data is disclosed. The system includes a storage element to store a plurality of insurance policies and a product designer module to: maintain an insurance product model that specifies possible configurations of insurance policy products associated with the plurality of insurance policies; obtain operational data pertaining to a set of existing insurance transactional data associated with the insurance policies; and present to be displayed: at least a portion of the insurance product model comprising a set of insurance product model elements and at least some of the operational data corresponding to the set of insurance product model elements.
    Type: Grant
    Filed: July 27, 2021
    Date of Patent: February 20, 2024
    Assignee: Guidewire Software, Inc.
    Inventors: Benjamin David Brantley, Diana Elizabeth Jaffe
  • Patent number: 11908019
    Abstract: Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, in particular, utilizing evidence oracles as part of the subrogation process. An exemplary embodiment includes receiving recorded data from one or more connected devices at a geographic location; analyzing the recorded data, wherein analyzing the recorded data includes determining that an collision has occurred involving one or more vehicles; generating a transaction including the data indicative of the collision based upon the analysis; and transmitting the transaction to at least one other participant in the distributed ledger network.
    Type: Grant
    Filed: February 28, 2022
    Date of Patent: February 20, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: William J. Leise, Douglas A. Graff, Anthony McCoy, Jaime Skaggs, Shawn M. Call, Stacie A. McCullough, Wendy H. Clayton, Melinda Teresa Magerkurth, Kim E. Flesher, Travis Charles Runge
  • Patent number: 11908020
    Abstract: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.
    Type: Grant
    Filed: March 21, 2022
    Date of Patent: February 20, 2024
    Assignee: BLUEOWL, LLC
    Inventors: David Sharnoff, Shilpi Bansal, Aaron Lehmann, Vijay Dewangan
  • Patent number: 11908021
    Abstract: A computer-implemented method includes presenting, by a workbench application, a first user interface that includes a notes field in which free-form text may be entered by the user, receiving, by the workbench application, free-form text that the user entered in the notes field, analyzing, by the workbench application, the free-form text to identify relevant keyword(s), and presenting a second user interface for a data reporting application. The method also includes identifying, by the workbench application, one or more data entry fields of the second user interface corresponding to the keyword(s), automatically populating, by the workbench application and via an API, the one or more data entry fields of the second user interface based upon the one or more keywords, and causing, by the workbench application via the API, the linked data reporting application to store data for the one or more data entry fields in a data storage record.
    Type: Grant
    Filed: August 31, 2022
    Date of Patent: February 20, 2024
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: John H. Jenkins, Andrew J. Feit, Christina M. Boring, Chadd Eugene Grove, Brent D. Hellewell, Beth Craig, Kevin Stuepfert, Robert S. Loy, Scott M. Wirtjes, Scott E. Lackey, Manuela Holt, David Kuriyan Schuster, Jeremy M. Miller
  • Patent number: 11908022
    Abstract: Devices, systems, and methods herein relate to generating a machine learning model for providing access to earned income. In some embodiments, an apparatus includes a memory and a processor. The processor may be configured to receive calibration datasets including (1) historical time data indicating time worked by a set of users and (2) historical earnings data indicating earnings made by the set of users. The processor may be configured to construct, based on the calibration datasets, a model for identifying anomalous data. The processor may be configured to receive, from a compute device associated with an entity, raw data for a current time period. The processor may be configured to process the raw data by removing anomalous data to produce processed data. The processor may be configured to determine an available balance for each user from the set of users based on the processed data.
    Type: Grant
    Filed: August 30, 2022
    Date of Patent: February 20, 2024
    Assignee: Daily Pay, Inc.
    Inventors: Jason Lee, Robert Louis Law, II, Konstantin Getmanchuk
  • Patent number: 11908023
    Abstract: Certain aspects of the present disclosure provide techniques for generating a user interface to prompt users of a software application to perform an action in the software application. The method generally includes generating historical transaction time gap data for transactions in the account. A probability distribution is generated based on the historical time gap data. The probability distribution represents a probability that a transaction related to the account has been performed after an elapsed time from a previous transaction. A probability that an unrecorded transaction exists for an account based on the probability distribution and a time difference between a most recent transaction and a current time. The probability that an unrecorded transaction exists is determined to exceed a threshold probability, and a user interface is generated and displayed to a user of the software application including a prompt for the user to enter new transactions for the account.
    Type: Grant
    Filed: July 29, 2019
    Date of Patent: February 20, 2024
    Assignee: Intuit, Inc.
    Inventors: Meng Chen, Lei Pei, Yueyue Gu, Zhicheng Xue, Linxia Liao
  • Patent number: 11908024
    Abstract: Techniques for scanning physical media on physical items and providing information about those physical items are provided. In one technique, based on a printed medium of a physical item, a mobile device generates digital scan data that reflects multiple individual items that are referenced on the printed medium. The mobile device sends, over a computer network, to a remote server, the digital scan data or data that identifies individual items. The remote server determines a toxicity metric for each individual item. The remote server generates, based solely on each toxicity metric, a safeness rating of the physical item. Rating data is generated based on the safeness rating and presented on a screen of the mobile device in association with data that identifies the physical item.
    Type: Grant
    Filed: August 21, 2023
    Date of Patent: February 20, 2024
    Assignee: Good Clean Collective, Inc.
    Inventor: Lily Tse
  • Patent number: 11908025
    Abstract: A method for controlling application of agrichemical products, comprises acquiring remotely sensed digital image data; developing a prescription to apply at least one agrichemical product in a variable manner based on at least the digital image data, wherein the prescription describes a plurality of passes of a particular autonomous vehicle over a field to apply the at least one agrichemical product; applying the at least one agrichemical product to a crop in the variable manner by the particular autonomous vehicle according to the prescription.
    Type: Grant
    Filed: December 10, 2020
    Date of Patent: February 20, 2024
    Assignee: CLIMATE LLC
    Inventor: Nick Nissing
  • Patent number: 11908026
    Abstract: In some examples, a computing device may receive, from a plurality of merchant devices associated with a plurality of merchants, respectively, electronic communications indicating pickup locations associated with the respective merchants. The computing device may access map information to determine a group of the respective pickup locations within a threshold distance of each other, the group of respective pickup locations corresponding to a group of the merchants. The computing device may send, to a buyer device, based at least on the pickup locations determined to be within the threshold distance of each other, merchant information that causes, at least in part, an application on the buyer device to present a user interface including information about the group of merchants, the information about the group of merchants including an indication that items ordered from the merchants in the group of merchants are available for combined delivery.
    Type: Grant
    Filed: March 9, 2021
    Date of Patent: February 20, 2024
    Assignee: DOORDASH, INC.
    Inventors: Benjamin R. Bernstein, Jeffrey Frank Iacono, Jesse Lee Reiss
  • Patent number: 11908027
    Abstract: Methods and systems that allow a recipient to electronically receive documents and accept service of process include receiving personally identifiable information about the recipient, generating a retrieval code specific to the recipient and/or the documents, and causing the retrieval code to be displayed on a page or device for delivery to the recipient. Later, the methods and systems receive user input including the retrieval code, verify that the user is the recipient, provide the recipient access to the electronic documents, and offer the recipient electronic delivery of the electronic documents. If the recipient agrees to the offer of electronic delivery, the methods and systems cause the electronic documents to be electronically delivered to the recipient; and after they deliver the documents in full, they present an acceptance document acknowledging and accepting the service of the electronic documents upon the recipient, and ask the recipient to execute it.
    Type: Grant
    Filed: February 3, 2023
    Date of Patent: February 20, 2024
    Inventors: Alexander J L Theoharis, Timothy D. Dinehart, Diane I. Conrad, Daniel Beier, Brandon H. Fuller, James J. MacLeod, Emily A. Barnard, David Thorn, Akshitha Vaddi, Aaron Cushman
  • Patent number: 11908028
    Abstract: A method and system for providing curriculum management services. In an operation, a user may access curriculum management system from a computer terminal. A user may send information and/or commands to a processing module. A user may enter or update information stored in one or more databases. A user may select or be assigned one or more objectives from an objective dataset. An objective module may access one or more databases containing information from one or more objective datasets. Given an objective from an objective set, processing module may request a course dataset from a course module. Information regarding a user's pathways may be sent to a display module for viewing by the user.
    Type: Grant
    Filed: September 26, 2015
    Date of Patent: February 20, 2024
    Inventor: Michael Olenick