Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 11004083
    Abstract: A system and method for authorizing a direct debit transaction is provided. A remotely accessible server receives a request from a clearing entity to conduct a direct debit transaction against a financial account of a consumer on behalf of a merchant, and checks whether the consumer has previously approved a debit against the account on behalf of the merchant. If the consumer has previously approved a debit on behalf of the merchant, an authorization message is generated and transmitted to the clearing entity. If the consumer has not previously approved a debit on behalf of the merchant, an electronic prompt is generated to an electronic device of the consumer requesting the consumer to approve or deny the debit. In response to the consumer indicating approval, a debit authorization message is generated and transmitted to the clearing entity, and a database is updated to indicate approval by the consumer.
    Type: Grant
    Filed: June 25, 2014
    Date of Patent: May 11, 2021
    Assignee: Visa Cape Town (Pty) Ltd
    Inventors: Owen David Meredith, Tiaan Cornelius Bakkes
  • Patent number: 11004073
    Abstract: A verification method comprises: by a target base station, receiving a verification request packet sent by an application if a mobile phone number verification succeeds, verifying validity of the stored mobile phone number according to the verification request packet, and sending the verification request packet to an operator server if the validity of the stored mobile phone number is verified. The application is configured to: perform an account verification on account information of a to-be-verified user; perform a mobile phone number verification on a user terminal in which the application is located; send an identification code of the application and the stored mobile phone number to a back-end server of the application, and send a verification request packet to the target base station; receive the verification notification returned by the back-end server, and determine, whether the verification of the to-be-verified user succeeds; and perform a fast payment signing process.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: May 11, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Yan Yu
  • Patent number: 11003341
    Abstract: Methods and systems for monitoring through graphical user interfaces are disclosed. In one aspect, a system is disclosed that includes a processor and data storage including instructions that, when executed by the processor, cause the system to perform operations. The operations include maintaining an input file including predetermined criteria for a plurality of factors, receiving a model dataset generated using a model, based on the input file and the model dataset, generating a first graphical user interface that includes a graphical illustration of a subset of the plurality of factors, a model risk for the model, and a selectable feature associated with a selected factor in the subset and a selected time period. The operations further include receiving through the first graphical user interface a selection of the selectable feature, and, in response, generating a second graphical user interface that recolors a portion of the first graphical user interface.
    Type: Grant
    Filed: February 4, 2020
    Date of Patent: May 11, 2021
    Assignee: Capital One Services, LLC
    Inventors: Seemit Sheth, Prashanta Saha, Huey-Meng Ning, Romit Dasgupta, Joydeep Dasgupta, Xinyu Chen, Sandeep Komatireddy
  • Patent number: 11004097
    Abstract: A computer-implemented method according to one embodiment includes receiving historical sales data, transforming a nonlinear, non-convex optimization model for weighting optimization into a linear optimization model, determining a number of historical periods of the historical sales data and weights to be applied to a historical conversion rate and a historical growth rate for the number of historical periods of the historical sales data, utilizing the nonlinear, non-convex optimization model or the linear optimization model, predicting a future optimal conversion rate and a future optimal growth rate by applying the weights to the historical conversion rate and the historical growth rate for the number of historical periods of the historical sales data, and applying the future optimal growth rate and the future optimal conversion rate to current sales pipeline data to determine future sales data.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: May 11, 2021
    Assignee: International Business Machines Corporation
    Inventors: Aly Megahed, Hamid Reza Motahari Nezhad, Peifeng Yin
  • Patent number: 10996373
    Abstract: A method for building and using soil models that determine soil properties from soil spectrum data is provided. In an embodiment, building soil model may be accomplished using soil spectrum data received via hyperspectral sensors from a land unit. A processor updates the soil spectrum data by removing interference signals from the soil spectrum data. Multiple ground sampling locations within the land unit are then determined based on the updated soil spectrum data. Soil property data are obtained from ground sampling at the ground sampling locations. Soil models that correlate the updated soil spectrum data with the soil property data are created based on the updated soil spectrum data and the soil property data. The soil models are sent to a storage for future use.
    Type: Grant
    Filed: July 6, 2020
    Date of Patent: May 4, 2021
    Assignee: THE CLIMATE CORPORATION
    Inventors: Haitao Xiang, Xianyuan Yang, Nick Koshnick, Nick Cisek
  • Patent number: 10996827
    Abstract: Embodiments of the present invention provide a system for rendering applications based on real-time accessibility assessment. The system is configured for identifying that a user is accessing an application on a user device, capturing real-time accessibility data associated with the user device of the user and real-time usage data associated with the user, wherein the real-time usage data is associated with usage of the application, validating the real-time accessibility data and the real-time usage data; inputting the real-time accessibility data and the real-time usage data into a machine learning model, analyzing the real-time accessibility data and the real-time usage data, via the machine learning model, generating an accessibility score based on analyzing the real-time accessibility data and the real-time usage data, and rendering the application based on the accessibility score.
    Type: Grant
    Filed: July 10, 2019
    Date of Patent: May 4, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Madhav Vaidyanath, Vinod Anbalagan, Thilagaraj Kannaiyan, Varshini Ramiya Vasudevan
  • Patent number: 10997599
    Abstract: A method for minimizing merchant data breach damage depends on computers and financial networks to carry out its steps. Every payment card transaction witnessed each day by a network server is assessed by a “jury” of fraud classification algorithms and assigned a fraud-risk-verdict. Those payment transactions receiving a high-risk-fraud verdict are retained and sorted into a table according to transaction date, cardholder, and merchant. The raw verdicts are normalized and standardized according to merchant size groups, e.g., to even the comparisons that will be made. A daily tally is made for each merchant of the number of suspected-card-visits, the number of highly-probable-card-visits, and the number of total-card-visits. A merchant data-breach alert is issued if a final score and sum of the normalized verdicts exceeds a threshold.
    Type: Grant
    Filed: October 3, 2019
    Date of Patent: May 4, 2021
    Inventor: Akli Adjaoute
  • Patent number: 10997643
    Abstract: A real estate offer management system includes a server in electronic communication with a user computer over the Internet. A user interface is provided by the server and includes a webpage for receiving seller preferences from the user computer. The seller preferences relate to a plurality of offer components for the sale of a property. An offer scorer receives a plurality of offers concerning the property and calculates scores for each offer using the seller preferences.
    Type: Grant
    Filed: September 8, 2015
    Date of Patent: May 4, 2021
    Assignee: Realogy Holdings Corp.
    Inventors: Alex Perriello, John Canniffe
  • Patent number: 10999270
    Abstract: An exemplary method comprises: generating, by at least one first computing node in the enterprise network or the reconciliation network, a first digital facilitator, wherein the first digital facilitator provides one or more parameters for accessing or distributing data on a distributed ledger in the enterprise network, wherein a private key is used for performing a computing operation, based on the data, in the enterprise network; associating identification information associated with the private key or associated with a custodian of the private key, wherein the identification information enables initiation or execution of one or more distributed ledger-based computing operations in the enterprise network or the reconciliation network; and transmitting, via the reconciliation network, reconciliation data associated with the one or more distribution ledger-based computing operations, wherein the reconciliation data is extracted based on one or parameters for accessing or distributing the data in the enterpris
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: May 4, 2021
    Assignee: Mox-SpeedChain, LLC
    Inventors: Daniel Cage, Padmakar Kankipati, Norman R. Silverman
  • Patent number: 10990937
    Abstract: An application platform configurable for processing a plurality of retail-branded credit cards is provided. Embodiments include a configurable front end comprising a graphical user interface layer that is configurable to a specific one of a plurality of retail-branded credit cards, a backend layer comprising credit card functionality for directly performing credit card transactions associated with a specific one of the plurality of retail-branded credit cards and a location service coupled with said front end and coupled with said backend for determining location information associated with a user of said specific one of said plurality of retail-branded credit cards.
    Type: Grant
    Filed: December 30, 2014
    Date of Patent: April 27, 2021
    Assignee: Comenity LLC
    Inventors: James Walz, David Nack
  • Patent number: 10990971
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.
    Type: Grant
    Filed: August 26, 2019
    Date of Patent: April 27, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Gregory Joseph Lloyd, Lauren Marie Zavodny, Tony England, Stephen Philip Selfridge, James Gregory Ronca
  • Patent number: 10988044
    Abstract: A charging station comprises a processor programmed to receive a vehicle identifier identifying a vehicle from a first digital entity; receive a payment authentication from a second digital entity; electronically identify an account associated with the vehicle identifier and the payment authentication; verify payment rights confirming a right to use the account to pay; and responsive to successful verification, activate the charging station to charge and process payment from the account.
    Type: Grant
    Filed: March 26, 2018
    Date of Patent: April 27, 2021
    Assignee: Ford Global Technologies, LLC
    Inventors: Dylan Erb, Alexander Bartlett, Jacob Wiles, Bikram Singh
  • Patent number: 10992594
    Abstract: A method may include, by a network resource optimization system, receiving from a network node a resource request, determining a plurality of network resources based on the resource request, and determining a subset of network resources from the plurality of network resources and a network resource from the subset based on a score of each network resource. The score of each network resource may be based on a rate of acceptance of communication requests received or a number of communication sessions established. The method may include, by the network resource optimization system, transmitting a communication request to the determined network resource and receiving an acceptance from the network resource. The method may include, by the network resource optimization system, causing a selection mechanism to be activated at the network node, receiving from the network node a selection, and initiating the communication session in response to the selection.
    Type: Grant
    Filed: October 15, 2019
    Date of Patent: April 27, 2021
    Assignee: HOMEADVISOR, INC.
    Inventors: John Casey Laird, David Paul Zeckser, William Brandon Ridenour, Craig Smith, Andrew Tilley
  • Patent number: 10990704
    Abstract: According to an example aspect of the present invention, there is provided an apparatus comprising at least one processing core, at least one memory including computer program code, the at least one memory and the computer program code being configured to, with the at least one processing core, cause the apparatus at least to compile a set of transactions in a block chain based resource management system that have taken place after the most recent block was established, establish a new block in the block chain, and in establishing the new block, for transactions associated with verification accept messages and lacking sufficient resources, cause transferring of the lacking resources from verification nodes having sent the verification accept messages.
    Type: Grant
    Filed: March 23, 2016
    Date of Patent: April 27, 2021
    Assignee: Nokia Technologies Oy
    Inventors: Troels Roennow, Hongwei Li, Enrique Martin Lopez
  • Patent number: 10990980
    Abstract: This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.
    Type: Grant
    Filed: July 30, 2019
    Date of Patent: April 27, 2021
    Assignee: Square, Inc.
    Inventors: Jacqueline Reses, Audrey Kim, Theodore Kosev, Andy Montgomery
  • Patent number: 10984434
    Abstract: Systems and methods relate to providing subscription accounts. A method includes receiving a request from a customer to open a subscription account, creating the subscription account for the customer, and deducting a subscription fee from the subscription account. The method also includes determining a benefit for the customer. The benefit is offered by a third-party vendor in exchange for a benefit fee. The method further includes reimbursing the benefit fee to the subscription account for the customer. The method additionally includes gathering financial information associated with the customer, analyzing the financial information to identify positive financial behavior of the customer, determining that the positive financial behavior meets a threshold, and offering the customer a reward based on the positive financial behavior meeting the threshold.
    Type: Grant
    Filed: July 2, 2019
    Date of Patent: April 20, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Amit Arya, Christie N. Green
  • Patent number: 10984470
    Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be redeemed using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to redeem a quantity of shares, electronically transmitting a quantity of digital math-based assets from one or more origin digital asset accounts to one or more destination digital asset accounts associated with the authorized participant, and canceling the quantity of shares from the authorized participant.
    Type: Grant
    Filed: March 28, 2018
    Date of Patent: April 20, 2021
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 10984482
    Abstract: A method for providing enhanced transaction detail for a financial transaction includes receiving transaction information for the financial transaction performed using a financial account held by an account holder, generating a transaction record for the financial transaction based on the transaction information, accessing a secondary account of the account holder, including identifying supplemental information for the financial transaction based on the transaction information, associating the supplemental information with the generated transaction record, and providing the transaction record, including the supplemental information, to the account holder.
    Type: Grant
    Filed: October 28, 2015
    Date of Patent: April 20, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Sivesh Thangarajah, Miranda Hill, Brian Pearce, Dominik Vltavsky
  • Patent number: 10984468
    Abstract: Systems and techniques are disclosed for accessing accounts associated with a user and estimating a value of an attribute associated with the user based upon the retrieved account information. Transaction data associated with an account at an external user account system is received. The transactions are categorized into transaction groups. For each transaction group, a confidence value that the group is associated with the attribute is estimated, based at least in part upon a distribution of transaction amounts for the transactions of the group over a time period associated with the group. An attribute value is estimated for each group, based at least in part upon the transaction amounts of the transaction of the group. In addition a value of the attribute for a future time period may be predicted based upon the transaction groups.
    Type: Grant
    Filed: May 20, 2016
    Date of Patent: April 20, 2021
    Assignee: Plaid Inc.
    Inventors: William Hockey, Sharon Rapoport
  • Patent number: 10984666
    Abstract: Disclosed herein are systems and methods of artificial intelligence learning systems. In some embodiments the artificial intelligence system presents options to users based on their life stage and personality profile. Family or group structures may be created within an application. Options may be created and presented based on the family structure such as chores may be assigned to children, money may be transferred between family members, and scores may be assigned to different users.
    Type: Grant
    Filed: November 3, 2017
    Date of Patent: April 20, 2021
    Assignee: Massachusetts Mutual Life Insurance Company
    Inventors: Damon Ryan Depaolo, Payton A. Shubrick, Emilia Daniela Holban, Jiby John, Gerald Lee, Deepak Jagasia, Cheri Kevane
  • Patent number: 10986135
    Abstract: A security management system may be remotely deployed (e.g., using a cloud-based architecture) to add security to an enterprise network. For example, the security management system may scan assets within the enterprise network for vulnerabilities and may receive data from these scans. The security management system may also receive data from other sources, and, as a result, the system may handle data having many different formats and attributes. When the security management system tries to associate data to assets, there may not be a globally unique identifier that is applicable for all received data. Provided in the present disclosure are exemplary techniques for tracking assets across a network using an asset correlation engine that can flexibly correlate data with assets based on attribute information.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: April 20, 2021
    Assignee: Qualys, Inc.
    Inventors: Sean M. Molloy, Matthew L. Wirges, Amol S. Sonawane
  • Patent number: 10984475
    Abstract: According to an embodiment of the present invention, an automated computer implemented system determines counterparty credit risk calculations. The system comprises a memory component; and a calculation engine programmed to: generate a computation graph of calculation components; build mappings of how each calculation component is connected; and perform path loop calculations where data is shuffled at each stage based on the mappings.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: April 20, 2021
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Matthew J. Potter, Rakesh R. Pillai, Matthias Arnsdorf, Bin Jia
  • Patent number: 10984478
    Abstract: A system and method that allows a user to interactively and iteratively create, manage, customize and price optimized annuity product composition is described.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: April 20, 2021
    Assignee: Optimus Structures LLC
    Inventors: Olga Smith, Jack Zeineh, Terry Nolan Taylor, William L. Davenport
  • Patent number: 10984472
    Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.
    Type: Grant
    Filed: January 9, 2019
    Date of Patent: April 20, 2021
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 10984426
    Abstract: Modeling appropriate comparable properties for a condo property includes accessing property data, and identifying candidate condo properties in the accessed property data to produce condo property data. A regression is performed using the property data, with the regression modeling the relationship between price and explanatory variables, and the explanatory variables including at least one variable that is specific to condo property assessment. The regression accommodates a modeling of comparable properties, such that a subject condo property and comparable properties may be identified and displayed.
    Type: Grant
    Filed: June 20, 2011
    Date of Patent: April 20, 2021
    Inventors: John D. Treadwell, Eric Rosenblatt, Hamilton Fout, Alexei M. Kisselev, Robert Mealey
  • Patent number: 10977290
    Abstract: A method for processing digital transactions includes receiving, from one or more source systems, a plurality of uncategorized digital transactions; and prioritizing the uncategorized digital transactions according to a key performance indicator (KPI) of each uncategorized digital transaction. A subset of the prioritized uncategorized digital transactions is communicated to a labeling system configured to apply a category label to each digital transaction. A subset of categorized digital transactions corresponding to the subset of the prioritized uncategorized digital transactions is received from the labeling system. Category label and a label confidence value are applied to each transaction of a remaining set of uncategorized digital transactions based on the subset of categorized digital transactions. The label confidence value is indicative of a confidence that a given label was correctly applied to a given transaction.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: April 13, 2021
    Assignee: Accenture Global Solutions Limited
    Inventors: Abhilash Alexander Miranda, Konstantinos Mammas
  • Patent number: 10977730
    Abstract: A crypto-machine learning enabled blockchain based profile pricer processes computer-readable instructions to determine requested information for a user that can be displayed on a user interface in real-time or near real-time of the user's request. In addition, the crypto-machine learning enabled blockchain based profile pricer processes provided data to be customized for the user based on a user profile stored in the memory as well as based on third party data stored in a database of related information. The pricer communicates the data to the user using blockchains via a smart contract using a private key and initiates a data transfer based on an input received from the user.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: April 13, 2021
    Assignee: Bank of America Corporation
    Inventors: Awadhesh Pratap Singh, Vinay Laxmikant Bade
  • Patent number: 10977726
    Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: April 13, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Marcie Apelt, Megan Edds, Keith Barron, Ashley Gibbs, Matthew Vischulis, Carl Ashby, Baining Hu, Yi Liu, David Schardt
  • Patent number: 10976867
    Abstract: A method of generating pen data includes periodically sampling an interaction of a pen on a sensor surface in which a detected pen tip pressure is greater than zero. Pen data including detected pen positions are reported. In response to a pen up event in which the detected pen tip pressure is zero, an intended end-of-stroke position of the pen tip is predicted based on a detected pen tip position occurring at least two, three, or more samples earlier than the sample at the pen up event. The predicted intended end-of-stroke position is reported in (1) the pen data for the sample at the pen up event, in place of the actual pen tip position detected at the pen up event, or in (2) the pen data for one or more samples preceding the pen up event, in place of the actual pen tip position in the one or more samples preceding the pen up event.
    Type: Grant
    Filed: March 6, 2020
    Date of Patent: April 13, 2021
    Assignee: Wacom Co., Ltd.
    Inventor: Konrad Wilhelm Pollmann
  • Patent number: 10970966
    Abstract: In a spontaneous eco-system of aftermarket brokered wagers different subscribers are registered to an aftermarket wager brokering computing system and a request received from one of the subscribers to import a wager pool of new wagers none of which are published in the aftermarket wager brokering system. For each of the new wagers, odds are then extracted from the request, and also an amount wagered, and yet further a list of participants owning the new wagers, none of whom are subscribed to the aftermarket wager brokering system other than the one of the subscribers from which the request is received. Finally, the extracted information is written to a registry, the new wagers published for aftermarket re-sale and an entry written to the registry responsive to an acquisition of a portion of one of the new wagers so as to indicate a fractional ownership of the one of the new wagers.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 6, 2021
    Assignee: HEDGEKINGS LLC
    Inventors: Eduardo Burillo, Jeffrey Gross
  • Patent number: 10970299
    Abstract: A method is provided to produce a custom calendar user interface (UI) display on an electronic device display screen comprising: providing a search query to a user device; sending the search query over the network to a server system; receiving over the network by one or more user devices from a server system, information that identifies one or more code objects that match the search query; using the identified one or more identified code objects by the one or more user devices to generate one or more visual content items within a calendar user interface (UI) grid display on their device display screens.
    Type: Grant
    Filed: September 18, 2020
    Date of Patent: April 6, 2021
    Assignee: Asana, Inc.
    Inventors: Joshua R. Smith, Anne DuBois, Cliff Chang, John Stahl, Jr., David Braginsky, Scott Alexander Smith
  • Patent number: 10970719
    Abstract: Techniques for identifying fraudulent transactions are described. In one example method, an operation sequence and time difference information associated with a transaction are identified by a server. A probability that the transaction is a fraudulent transaction is predicted based on a result provided by a deep learning network, where the deep learning network is trained to predict fraudulent transactions based on operation sequences and time differences associated with a plurality of transaction samples, and where the deep learning network provides the result in response to input including the operation sequence and the time difference information associated with the transaction.
    Type: Grant
    Filed: March 15, 2019
    Date of Patent: April 6, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Longfei Li
  • Patent number: 10970780
    Abstract: A service running on a server includes a method running on a server, for example as a cloud server. The method begins with receiving from a user using a zero-knowledge protocol, each of a unique token associated with the user, an identifier of a statement to be rated, a vote related to the statement; and a pledged quantity tied to a reputation of the user and the vote. The vote either supports or opposes a veracity of the statement. Next, a confirmation is made to ensure that the unique token is associated with the user. A difference is determined between the pledge quantity and a numerical rating of the reputation of the user. In response to confirming the unique token is associated with the user and the difference is non-negative, updating a rating of the statement using zero-knowledge verifiable computing.
    Type: Grant
    Filed: November 1, 2016
    Date of Patent: April 6, 2021
    Assignee: International Business Machines Corporation
    Inventors: James R. Kraemer, Jeb R. Linton
  • Patent number: 10970965
    Abstract: A suggestion method for aftermarket brokered wagers includes selecting a subscriber to an aftermarket brokered wager computing system and determining at least one profile characteristic for the subscriber. Thereafter, a set of available wagers owned by other subscribers are filtered according to the determined profile characteristic to produce a recommended wager owned by a specific one of the other subscribers. Consequently, a message is pushed to a mobile device of the selected subscriber recommending a fractional purchase of the recommended wager at odds established at a time of acquisition of the recommended wager irrespective of contemporaneous odds for the recommended wager. In response to the acceptance of the recommended fractional purchase by the selected subscriber, a registry entry is then written in the brokered wager computing system denoting a fractional ownership of the recommended wager by the selected subscriber along with the specific one of the other subscribers.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 6, 2021
    Assignee: HEDGEKINGS LLC
    Inventors: Eduardo Burillo, Jeffrey Gross
  • Patent number: 10970787
    Abstract: A system for autonomous issuance and management of insurance policies for computer and information technology related risks, including but not limited to business losses due to system availability, cloud computing failures, current and past data breaches, and data integrity issues. The system will use a variety of current risk information to assess the likelihood of business interruption or loss due to both accidental issues and malicious activity. Based on these assessments, the system will be able to autonomously issue policies, adjust premium pricing, process claims, and seek re-insurance opportunities with a minimum of human input.
    Type: Grant
    Filed: March 4, 2018
    Date of Patent: April 6, 2021
    Assignee: QOMPLX, Inc.
    Inventors: Jason Crabtree, Andrew Sellers
  • Patent number: 10970972
    Abstract: Embodiments of the present invention provide a method, system and computer program product for a wager registration for aftermarket brokered wagers. A wager registration method for aftermarket brokered wagers includes receiving from an initial bettor in an aftermarket brokered wager computing system a digital image of a physical wager established with a purveyor of wagers independent of the aftermarket brokered wager computing system. The method additionally includes validating an authenticity of the digital image and responsive to the validation, writing a record to a registry indicating one hundred percent (100%) ownership of the wager by the bettor at an amount and odds indicated by the image. The method yet further includes confirming the record upon receipt of the physical wager and subsequently updating the record in the registry to indicate only a fractional ownership of the wager responsive to a third-party aftermarket buyer purchasing a fractional share of the wager.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 6, 2021
    Assignee: HEDGEKINGS LLC
    Inventors: Eduardo Burillo, Jeffrey Gross
  • Patent number: 10967880
    Abstract: A system and method for disabling a function of a feature of a vehicle based on a validation request to a centralized validation authority, prior to a use of the feature includes determining that a condition is met as part of a startup sequence of the vehicle, transmitting the validation request to the centralized validation authority, in response to determining the condition is met, wherein the validation request is part of the startup sequence of the vehicle, receiving a validation decision from the centralized validation authority, and disabling the feature of the vehicle as a function of the receiving the validation decision.
    Type: Grant
    Filed: July 23, 2018
    Date of Patent: April 6, 2021
    Assignee: International Business Machines Corporation
    Inventors: Cesar Augusto Rodriguez Bravo, Gregory J. Boss, Rick A. Hamilton, II
  • Patent number: 10972344
    Abstract: Provided are methods and systems for adjusting subscriber policies. A method for adjusting of subscriber policies may include applying traffic enforcement rules to a data traffic associated with a subscriber. The method can further include determining network conditions associated with the data traffic. The method can include modifying, based on the determination of the network conditions, attributes according to attribute adjustment rules to obtain modified attributes. The method can further include modifying the traffic enforcement rules based on the modified attributes to obtain modified traffic enforcement rules.
    Type: Grant
    Filed: February 5, 2019
    Date of Patent: April 6, 2021
    Assignee: A10 Networks, Inc.
    Inventors: Gennady Dosovitsky, Kishore Inampudi
  • Patent number: 10963901
    Abstract: Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes, in response to a selection of registration for an account with an entity, calling an application programming interface (API) associated with a virtual wallet platform, and receiving from the virtual wallet platform, via the API, a token associated with the entity. The method also includes displaying the token to a user and receiving, from the virtual wallet platform, a packet of personal identifying information for the user. The method further includes populating an application for registration of the user for the account with the personal identifying information included in the packet, and, upon an input from the user, enrolling the user in a program associated with the entity, based on the personal identifying information included in the packet, and providing the account to the user.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: March 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Manash Bhattacharjee, Prashant Sharma, Joseph Damon Hayes
  • Patent number: 10963535
    Abstract: Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
    Type: Grant
    Filed: December 11, 2014
    Date of Patent: March 30, 2021
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Michael Strange, Robert J. Nies, Kirk Beitz
  • Patent number: 10963955
    Abstract: Apparatuses, methods, systems, and program products are disclosed for optimizing aggregation routing over a network. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to receive a request for aggregated account data accessible from a data aggregator server, select a data aggregator server from a plurality of data aggregator servers to service the request for the aggregated account data based on a plurality of factors associated with each of the plurality of data aggregator servers, format a request for the aggregated account data to be compatible with the selected data aggregator server, route the formatted request over the network to the selected data aggregator server, and receive the requested aggregated account data over the network from the selected data aggregator server.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: March 30, 2021
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 10965695
    Abstract: Systems and methods for matching and scoring sameness. In some embodiments, a computer-implemented method is provided, comprising acts of: identifying a plurality of first-degree anchor values from the first digital interaction, wherein the plurality of first-degree anchor values comprise first-degree anchor values X and Y; accessing a profile of the first-degree anchor value X, wherein: the profile of the first-degree anchor value X comprises a plurality of sets of second-degree anchor values; and each set of the plurality of sets of second-degree anchor values corresponds to a respective anchor type and comprises one or more second-degree anchor values of that anchor type; determining how closely the first-degree anchor values X and Y are associated; and generating an association score indicative of how closely the plurality of first-degree anchors are associated, based at least in part on how closely the first-degree anchor values X and Y are associated.
    Type: Grant
    Filed: June 8, 2017
    Date of Patent: March 30, 2021
    Assignee: Mastercard Technologies Canada ULC
    Inventors: Christopher Everett Bailey, Randy Lukashuk, Gary Wayne Richardson
  • Patent number: 10963796
    Abstract: The invention relates to a method and system that implements an assessment tool that assesses regulations. The system comprises: a server interface; a data store; and an assessment engine comprising a computer processor, coupled to the server interface and the data store, programmed to: identify a regulation; divide the regulation into a plurality of rules; convert each rule into a question, test and one or more conditions; present, via a user interface, a first question to a user; receive, via the user interface, a response to the first question; store, in the data store, the response; present, via the user interface, a subsequent question responsive to the response; store, in the data store, the subsequent question and corresponding response; and dynamically generate an audit trail of each question and answer combination.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: March 30, 2021
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Darin Ryan Marple, Herb D. Blatt, Celena Cross, Agim Perolli, Marina Levin
  • Patent number: 10963875
    Abstract: Financing obtained from a lender may be processed by a retailer in a manner similar to a credit card. For example, transaction data associated with a transaction to acquire one or more items from the retailer may be entered at a point of sale terminal of the retailer. A request may be sent for a temporary shopping pass associated with an account of a consumer at the lender. The temporary shopping pass may be used as a virtual payment instrument to access financing (e.g., a loan, a lease, or a credit) provided by the lender. After receiving the temporary shopping pass, the shopping pass data included in the temporary shopping pass, such as a one-time card number, may be entered into the point of sale terminal. The transaction may be completed by processing the shopping pass data as a credit card type tender using the point of sale terminal.
    Type: Grant
    Filed: September 8, 2014
    Date of Patent: March 30, 2021
    Assignee: Vyze, Inc.
    Inventors: Kristin Marie Alvarez, Terence Paul Spielman, Thomas G. Carter, Christopher James Smith, Victorino Cardenas, Jr.
  • Patent number: 10963954
    Abstract: Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. The current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value. The net value circuit computes a net value of accounts for the entity based on the determined current value and the aggregated temporal value.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: March 30, 2021
    Assignee: U.S. Bank National Association
    Inventor: Michael Orzechowski
  • Patent number: 10963958
    Abstract: The present disclosure provides systems, methods, and products for assessing collateral data, including appraisal data, and providing timely notification of any problems or anomalies identified for the collateral. A central server may access collateral data from a remote data source, apply rules to the collateral data to detect problems, and then create a notification describing the problems. The central server may rapidly transmit the notification to remote computing devices that were registered by a lender, so that the lender may act quickly to remediate the problems. A collateral viewer application that interacts with the notifications may also be provided to lenders.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: March 30, 2021
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Annette M. Best, Donald Rosenthal, Ferdinand T. Wang, Gary M. Skinner, Adrienne B. Lyne
  • Patent number: 10956911
    Abstract: A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing system during runtime, determining at least one data element associated with the indication of data or instructions, generating metadata based on at least one of the indication and the determined at least one data element, and periodically executing a job, the job reads the metadata and modifies a workflow of the processing system based on the metadata.
    Type: Grant
    Filed: April 12, 2019
    Date of Patent: March 23, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Bradley John Knoblauch
  • Patent number: 10956925
    Abstract: A method for performing transactions using an aggregate payment medium involves obtaining payee data associated with a payee, obtaining transaction data associated with a transaction to be performed between a payer and the payee, and determining, for each payment medium, a benefit and a cost associated with using the payment medium for the transaction. The method further includes obtaining, for each of the payment media, a return from using the payment medium for the transaction, based on the benefit and the cost, selecting, from the payment media, a payment medium with a highest return, and providing, by the aggregate payment medium, payment medium data associated with the selected payment medium to the payee to enable execution of the transaction.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: March 23, 2021
    Assignee: Intuit Inc.
    Inventors: Peter Ouyang, Ken Yocum, Leah Zhao, Ye Ji Kim, Crystal Chung, Andre Luis, Carol Ann Howe, Mohammad Daraghmeh
  • Patent number: 10956970
    Abstract: A set of dynamically-modifiable objects are maintained by a network system for a listing on an online marketplace. Each of the dynamically-modifiable objects includes a pointer referencing a corresponding one of a set of data records, each being associated with a respective asset for sale via the listing on the online marketplace. While the listing is active on the online marketplace, the network system can detect a change in status for a first data record that is referenced by a first pointer of a first dynamically-modifiable object. In response, the network system can identify a second data record not referenced by any pointers of the set of dynamically-modifiable objects and automatically update the first dynamically-modifiable object by de-referencing the first pointer from the first data record and referencing the first pointer to the second data record.
    Type: Grant
    Filed: January 16, 2018
    Date of Patent: March 23, 2021
    Assignee: Auction.com, LLC
    Inventors: Elizabeth O'Brien, Samuel Harrity
  • Patent number: 10958532
    Abstract: An example embodiment involves receiving an activity record including activity data, provider data, and description data; applying a first layer of a multi-layer machine learning (ML) model to predict that the activity record relates to software, applying a second layer of the multi-layer ML model to predict a provider name of a software application referenced in the activity record, applying a third layer of the multi-layer ML model to predict an application title of the software application referenced in the activity record, and storing, in a database, a configuration item indicating that the activity record relates to software, where the configuration item contains attributes including the provider name and the application title.
    Type: Grant
    Filed: November 9, 2018
    Date of Patent: March 23, 2021
    Assignee: ServiceNow, Inc.
    Inventor: Gavin Thomas Peterkin