Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 9940668
    Abstract: Switching between data aggregator servers. A method for switching between data aggregator servers may include tracking a first financial account using a PFM server, receiving, at the PFM server, first account identification data and first account transaction data for the first financial account from a first data aggregator server over a network, detecting, at the PFM server, that the first account transaction data of the first data aggregator server has become unavailable to the PFM server over the network and that a second data aggregator server is currently available to the PFM server over the network, and in response to the detecting, switching, at the PFM server, from the first data aggregator server to a second data aggregator server, the second data aggregator server configured to send data for the same financial accounts with different data fields and/or with different data formats than the first data aggregator server.
    Type: Grant
    Filed: March 1, 2016
    Date of Patent: April 10, 2018
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 9942238
    Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a first user associated with an online account, a first request to allow access, by a second user not associated with the online account, to the online account, send, in response to the first request, a second request to the second user for credentials, and receive, in response to the second request, credentials from the second user. The process is configured, when executing the instructions, to generate, for the online account based on the first and the credentials received from the second user, an access profile associated with the second user.
    Type: Grant
    Filed: August 28, 2015
    Date of Patent: April 10, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, William B. Belchee
  • Patent number: 9940681
    Abstract: Embodiments of the present invention provide methods, computer program products, and systems for a predictive approach to contract management. In one embodiment, acceptable contract parameters are predicted based, at least in part on historic data and specified thresholds of identified contract parameters. Predicting acceptable contract parameters can help reduce negotiation cycles.
    Type: Grant
    Filed: September 1, 2015
    Date of Patent: April 10, 2018
    Assignee: International Business Machines Corporation
    Inventors: Judy J. Kogut-O'Connell, Sanjeev V. Pradhan, Ajay Sinha, Sunil Sridhar
  • Patent number: 9930096
    Abstract: In general, the subject matter described in this specification can be embodied in methods, systems and program products. A server system receives from a plurality of computing devices indications that a user of each of the computing devices requested to receive posts that a first user authors. The server system receives from a first computing device a post that was authored by the first user. The post is transmitted from the server system to the plurality of computing devices. A score for the post is determined to satisfy a criteria for transmission to a second user who has not requested to receive posts authored by the first user. The determination uses a distance of the second user to the first user in a social network graph. In response, the post is transmitted from the server system to a second computing device that is associated with the second user.
    Type: Grant
    Filed: July 30, 2014
    Date of Patent: March 27, 2018
    Assignee: Google LLC
    Inventors: Todd Jackson, Andrew A. Bunner, Matthew Steiner, John Pongsajapan, Jessica Shih-Lan Cheng, Edward Ho, Sean McBride
  • Patent number: 9927252
    Abstract: Examples provided herein describe a navigation system to identify routes that take safety considerations into account. The system accesses safety data from various sources and computes safety data for individual road segments of a map database at multiple times for each road segment. The road segment safety data is used when determining routes for requested trips, including estimating the times that the various road segments on the route will be traversed and determining the safety of each road segment at that time.
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: March 27, 2018
    Assignee: Uber Technologies, Inc.
    Inventors: Karna Chokshi, Meron Alon, Sangick Jeon
  • Patent number: 9928490
    Abstract: A method and system for payment processing comprises receiving sender information, receiving a fund transfer request that includes an identifier for a recipient, accessing an information directory based on the identifier to obtain account information for the recipient, and sending funds according to the fund transfer request to the recipient. The identifier may be in the form of non-sensitive/publicly available information, such as an E-mail address, a phone number, or other information. The information directory can correlate the identifier with a recipient owned bank account. The fund transfer may occur from two accounts within a bank or may occur from bank accounts at different banks.
    Type: Grant
    Filed: January 15, 2010
    Date of Patent: March 27, 2018
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Adam E. Vancini, Imran Haider, Sri Saravana Muthu
  • Patent number: 9929743
    Abstract: A data transaction processing system receives electronic data transaction request messages from client computers over a data communication network and groups a subset of the electronic data transaction request messages. The data transaction processing system may preprocess the group of electronic data transaction request messages based on the other messages in the same group before forwarding the electronic data transaction request messages to a transaction processor.
    Type: Grant
    Filed: April 28, 2017
    Date of Patent: March 27, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: José Antonio Acuña-Rohter, Ari Studnitzer, Kyle D. Kavanagh, Pearce Peck-Walden, Eric Schuldt
  • Patent number: 9929913
    Abstract: Methods, computer program products, and systems are presented. Data characteristics describing data from IoT devices are identified. Data profiles representing the IoT devices are generated. The data profiles are grouped into data profile groupings based on one or more of analytics and machine learning. A mapping of the data profile groupings to virtual servers is determined.
    Type: Grant
    Filed: March 28, 2016
    Date of Patent: March 27, 2018
    Assignee: International Business Machines Corporation
    Inventors: Christopher J. Dawson, Eli M. Dow, Rick A. Hamilton, II, Jenny S. Li
  • Patent number: 9928320
    Abstract: Techniques for estimated compound probability distribution are described herein. Embodiments may include receiving, at a master node of a distributed system, a compound model specification comprising frequency models, severity models, and one or more adjustment functions, wherein at least one model of the frequency models and the severity models depend on one or more regressor and distributing the compound model specification to worker nodes of the distributed system, each of the worker nodes to at least generate a portion of samples for use in predicting compound distribution model estimates. Embodiments may also include predicting the compound distribution model estimates based on the sample portions of aggregate values and adjusted aggregate values.
    Type: Grant
    Filed: April 12, 2017
    Date of Patent: March 27, 2018
    Assignee: SAS Institute Inc.
    Inventors: Mahesh V. Joshi, Richard Potter, Jan Chvosta, Mark Roland Little
  • Patent number: 9929988
    Abstract: The present disclosure provides a financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.
    Type: Grant
    Filed: September 18, 2014
    Date of Patent: March 27, 2018
    Assignee: Bottomline Technologies (DE) Inc.
    Inventors: Leo Gil, Matthew Doherty, Brian Smith Mclaughlin
  • Patent number: 9922373
    Abstract: Techniques for buy-side order matching in the trading of financial instruments using a centralized matching engine having one or more storage devices including rules and order parameters for a plurality of buy-side parties. The centralized matching engine includes one or more transmitters and receivers communicatively coupled to a network and one or more processors operatively coupled to the one or more storage devices and the one or more transmitters and receivers. At least one message sent over the network by a plurality of buy-side parties and is received by the central matching engine to set the rules or order parameters. At least one order of at least two of the plurality of buy-side parties is matched based on the rules and the order parameters. A message is transmitted over the network to a sell-side party indicating that trade negotiation can commence.
    Type: Grant
    Filed: May 21, 2014
    Date of Patent: March 20, 2018
    Assignee: FIDESSA PLC
    Inventors: Dave Pearson, Russell Thornton, Paul Nokes
  • Patent number: 9922324
    Abstract: Disclosed are system and methods for purchasing items on a website or a mobile application using a single verification action. The disclosed technique allows a user to initiate a purchase transaction with a merchant via a mobile application on a mobile device and select a mobile payment application associated with a payment service system as a payment method. The mobile application then passes at least a transaction amount and a merchant identifier to the mobile payment application to handover processing of the purchase transaction to the mobile payment application. The mobile payment application, based on preference settings, if any, and otherwise default settings, determines whether to request a confirmation from the user to proceed with the purchase transaction. Once a decision to proceed with the purchase transaction is made, the mobile payment application sends a request to the payment service system to complete the purchase transaction by paying the merchant.
    Type: Grant
    Filed: May 21, 2014
    Date of Patent: March 20, 2018
    Assignee: Square, Inc.
    Inventors: Jesse Wilson, Brian Grassadonia, Matthew Rhodes
  • Patent number: 9915543
    Abstract: Systems and methods are disclosed for generating a display of one or more multi-dimensional navigation scores. The data source device may comprise a data source computer and a database storing historical data or real time data associated with a plurality of segments of road. A map data processing device may have a map data processing computer and memory storing computer-executable instructions. The map data processing device may determine a geographical location based on a location determining device, determine a segment of road associated with the geographical location, and/or receive, from the data source device, one or more of the historical data or real time data for the segment of road.
    Type: Grant
    Filed: June 15, 2016
    Date of Patent: March 13, 2018
    Assignee: Allstate Insurance Company
    Inventors: Sunil Chintakindi, Howard Hayes, Santhosh Thammi
  • Patent number: 9916582
    Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.
    Type: Grant
    Filed: January 26, 2015
    Date of Patent: March 13, 2018
    Assignee: III Holdings 1, LLC
    Inventors: Dilip Aidasani, Kimberly Alderfer, Kate T. King, Anup Anil Parekh, Abbas-Ali Hassan Rajwani, Stuart Rolinson
  • Patent number: 9916364
    Abstract: News search and browse experience is personalized based on user preferences. User attributes like a geographic location are obtained and news sources preferred by other users with attributes similar to those of a requesting user are identified. News sources that are popular across different user groups are eliminated and relevant news items from the remaining news sources are retrieved and presented to the requesting user.
    Type: Grant
    Filed: April 9, 2014
    Date of Patent: March 13, 2018
    Assignee: YAHOO HOLDINGS, INC.
    Inventors: Srinivas Vadrevu, Su-Lin Wu, Ben Shahshahani
  • Patent number: 9910905
    Abstract: Data from a plurality of data sources is provided to a multi-source data management system, which stores the data and provides it to a data accuracy system for purposes of assessing the accuracy of data records and the individual fields within data records. Data accuracy scores may be stored at the data management system with the data records to which they pertain. Accuracy scores may be periodically recalculated and monitored, and alerts provided if an accuracy score changes a predetermined amount over a given period of time. Also, data records may be provided by a data user for accuracy assessment, using other data records stored at the multi-sourced data management system.
    Type: Grant
    Filed: June 9, 2015
    Date of Patent: March 6, 2018
    Assignee: Early Warning Services, LLC
    Inventor: Frederick L. Wedgeworth, III
  • Patent number: 9904914
    Abstract: Systems, methods, and program products for performing cash sweep transactions with customer control are disclosed. A deposit sweep computer system may determine first allocations of funds for a plurality of customers. The system may determine for a first subset of the customers that their funds are allocated to respective different depository institutions than previously used for the respective customer. The system may generate and transmit to client devices associated with the first subset of customers machine-readable instructions to render respective destination institution management graphical user interfaces providing an indication of the respective different depository institutions along with accept options and reject options. The system may receive one or more selections of accept options or reject options. The system may then determine and execute second allocations based at least in part upon the first allocations and the one or more selections of the reject options.
    Type: Grant
    Filed: September 7, 2017
    Date of Patent: February 27, 2018
    Assignee: ISLAND INTELLECTUAL PROPERTY, LLC
    Inventors: Bruce R. Bent, II, Charles R. Buarque de Macedo
  • Patent number: 9904955
    Abstract: A system for electronic crime reduction is provided, comprising a computer system, a database, a malware de-compiler, a malware parser, and an inference engine. The database contains information that associates electronic crime attack signature data with at least one of an individual, a group, and a location. The malware de-compiler, when executed on the computer system, translates a first malware executable to an assembly language version. The first malware is associated with an electronic crime that has been committed. The malware parser, when executed on the computer system, analyzes the assembly language version to identify distinctive coding preferences used to develop the first malware. The inference engine, when executed on the computer system, analyzes the distinctive coding preferences identified by the malware parser application in combination with searching the database to identify one of an individual, a group, and a location associated with the electronic crime.
    Type: Grant
    Filed: June 18, 2014
    Date of Patent: February 27, 2018
    Assignee: FireEye, Inc.
    Inventors: John P. Watters, Jonathan M. Couch, Sam F. Stover, Michael J. Weinberger, Frederick Doyle, Gregory MacManus
  • Patent number: 9898767
    Abstract: A platform facilitates buyers, sellers, and third parties in obtaining information related to each other's transaction histories, such as a supplier's shipment history, the types of materials typically shipped, a supplier's customers, a supplier's expertise, what materials and how much a buyer purchases, buyer and shipper reliability, similarity between buyers, similarity between suppliers, and the like. The platform aggregates data from a variety of sources, including, without limitation, customs data associated with actual import/export transactions, non-public shipper records, and facilitates the generation of reports as to the quality of buyers and suppliers, the reports relating to a variety of parameters that are associated with buyer and supplier quality.
    Type: Grant
    Filed: September 17, 2014
    Date of Patent: February 20, 2018
    Assignee: Panjiva, Inc.
    Inventors: James Ryan Psota, Joshua Green
  • Patent number: 9898515
    Abstract: A system and method for processing raw transaction records received from multiple data sources. The system and method receive multiple raw transaction records from multiple data sources. Transaction pair records are generated from the raw transaction records. Location and entity fields including raw information are identified from the transaction pair records. The raw location and entity information is resolved to generate resolved location and entity information capable of aggregation and further processing, such as the deriving of analytics.
    Type: Grant
    Filed: October 29, 2014
    Date of Patent: February 20, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Vahram Avagyan, Andrea Fang, Robert J. Prior, Vipul V. Shah, Jonathan Scott Hajek
  • Patent number: 9898782
    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: June 27, 2014
    Date of Patent: February 20, 2018
    Assignee: WINKLEVOSS IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 9898728
    Abstract: A system for using a dynamic temporary credential with a portable communication device for use in a transaction with an electronic control point (e.g. point of sale, NFC access point) wherein the portable communication device has a geo-location module (e.g. GPS). The system has a centralized module that receives the portable communication device's current geo-location and transmits the dynamic temporary credential to the portable communication device and provides predictive transaction information—including the dynamic temporary credential and portable communication device's geo-location—to an authorization system operably associated with the electronic control point. The dynamic temporary credential has a predetermined time to live, which allows for the recycling of the dynamic credential, such recycling may take into account the geo-location for which the credential has been recently issued. A method for using a dynamic temporary credential with a portable communication device is also disclosed.
    Type: Grant
    Filed: April 16, 2012
    Date of Patent: February 20, 2018
    Assignee: GFA Worldwide, Inc.
    Inventors: David Brudnicki, Michael Craft, Hans Reisgies, Andrew Weinstein
  • Patent number: 9892460
    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: June 27, 2014
    Date of Patent: February 13, 2018
    Assignee: WINKLEVOSS IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 9893956
    Abstract: A method for managing the configuration of a telecommunications network, the method comprises remotely creating a data file containing attributes of managed objects for one or more network elements of the network, uploading the data file to a management system of the network, inspecting the data file and identifying managed objects having attributes which have been created, varied or deleted, producing a database of the identified managed objects and the values thereof, and analysing the data in the database to manage the configuration of the telecommunications network accordingly. Also disclosed are an apparatus for performing the method, a management system incorporating the or apparatus and a telecommunications network incorporating the management system.
    Type: Grant
    Filed: September 29, 2010
    Date of Patent: February 13, 2018
    Assignee: Telefonaktiebolaget LM Ericsson (publ)
    Inventors: David Cleary, Epifanio Salamanca, Michael Cremin
  • Patent number: 9892462
    Abstract: Systems and methods for automating best practices involved in the underwriting process are disclosed. A computer system performs a risk classification of a potential customer based on a set of factors, company's underwriting standards, and best practices gathered from top performing underwriters. The computer system is able to improve the quality of its output over time by learning from previous outcomes, updating underwriting standards, and updating best underwriting practices.
    Type: Grant
    Filed: December 19, 2014
    Date of Patent: February 13, 2018
    Assignee: Massachusetts Mutual Life Insurance Company
    Inventors: Gareth Ross, Tricia Walker
  • Patent number: 9894636
    Abstract: A system and method for sharing information about obstructions in a pathway informs a user and members of a network about an obstruction in a pathway. A user or members of network observe and record the obstruction, and share the information in a database. The information can be in the form of global positioning system coordinates, comments, images, audible alerts, and anecdotes. A geographical database and a global positioning system operatively connect to a portable communication device of user to alert and notify about the obstruction and also, provide additional information the pathway. The user and members of the network may verify and add information about the obstruction, and then share this updated information with other members of the network. Further, a proprietor of the pathway is notified about the obstruction, so as to remove or repair the obstruction, or process cost estimates and for litigation and insurance purposes.
    Type: Grant
    Filed: September 22, 2016
    Date of Patent: February 13, 2018
    Inventor: Kevin M Habberfield
  • Patent number: 9886694
    Abstract: A method for estimating web traffic to a website is disclosed. The method may include obtaining a first set of reporting information from a secured external source that directs traffic to the website. The first set of reporting information may have a corresponding portion of reporting information which is not provided from the secured external source. The method may include obtaining a second set of reporting information from a unsecured external source that directs traffic to the website. The second set of reporting information may be different than the first set of reporting information. The method may also include generating an estimation of the corresponding portion of reporting information which is not provided from the secured external source by correlating the second set of reporting information with the first set of reporting information.
    Type: Grant
    Filed: September 29, 2014
    Date of Patent: February 6, 2018
    Assignee: BRIGHTEDGE TECHNOLOGIES, INC.
    Inventors: Jimmy Yu, Sammy Yu, Lennon Liao, Lemuel S. Park, Thomas J. Ziola, Emeka Ajoku
  • Patent number: 9875491
    Abstract: A method and a system for facilitating lending between private parties, the private parties including a lendee and at least one lender. For example, a loan request from a lendee may be received, the loan request sent to at least one lender, the lender indicating acceptance of the loan request, notifying the lendee of the acceptance and transferring funds from a financial account of the lender to a financial account of the lendee.
    Type: Grant
    Filed: May 24, 2005
    Date of Patent: January 23, 2018
    Assignee: PayPal, Inc.
    Inventor: Michel Weksler
  • Patent number: 9870596
    Abstract: Community development is supported by a community rating. Community ratings for various communities are compared to identify a preferred community. Historical community ratings are determined for the preferred community. Community rating trends are identified for the community and these trends are used for predicting future community rating(s) to support development decisions.
    Type: Grant
    Filed: September 18, 2014
    Date of Patent: January 16, 2018
    Assignee: International Business Machines Corporation
    Inventors: Kyle R. Babinowich, Sailee S. Latkar, Joseph G. Schiavo, IV
  • Patent number: 9864979
    Abstract: When settlement terminal device performs a settlement process with a settlement destination device (for example, an acquirer or a settlement processor), settlement terminal device displays a screen regarding the settlement process on display unit of touch panel and detects an input operation of important key input reception icon displayed on display unit. CPU determines whether an input operation with respect to this important key input reception icon, that is, an operation for selecting important key input reception icon and dragging and dropping important key input reception icon to YES icon has been performed. When a drag and drop operation of important key input reception icon is detected, CPU executes content of the input operation with respect to important key input reception icon, and transmits a settlement processing request to the settlement destination device. Settlement terminal device facilitates the operator being conscious of an operation with respect to a specific target.
    Type: Grant
    Filed: May 6, 2015
    Date of Patent: January 9, 2018
    Assignee: Panasonic Intellectual Property Management Co., Ltd.
    Inventor: Makoto Sasaki
  • Patent number: 9866614
    Abstract: A system and method are presented for addressing or requesting different versions of a web resource. A first web server electronically connected to a computer network receives from a requestor a first web resource request. The first web resource request includes a bucket cookie and a first web resource address for a first web resource. The bucket cookie includes at least one resource-related bucket cookie value. A second web resource request is generated. The second web resource request corresponds to at least a second web resource required to fulfill the first web resource request. The second web resource request is different from the first web resource request and includes a second web resource address corresponding to the second web resource and including the bucket cookie. The second web resource request is transmitted to a second web server.
    Type: Grant
    Filed: December 28, 2016
    Date of Patent: January 9, 2018
    Assignee: Go Daddy Operating Company, LLC
    Inventors: Jeffrey M. Burke, Ricardo Canedo, Thomas J. Femiani, Michael J. Micco
  • Patent number: 9865002
    Abstract: Systems and methods for near-field communications with a mobile device are disclosed. In one embodiment, a computer-implemented method for near-field communication may comprise: detecting, by a source device located at a point-of-sale, the proximity of a receiving device; encoding purchase data on an audio signal with one or more ultrasonic frequencies; and transmitting the encoded purchase data to the receiving device, wherein the encoded purchase data is transmitted using a speaker of the source device.
    Type: Grant
    Filed: August 5, 2014
    Date of Patent: January 9, 2018
    Assignee: Facebook, Inc.
    Inventors: Abheek Anand, Soham Mazumdar
  • Patent number: 9866564
    Abstract: A system, method and computer program product for providing a secure data channel between a user and associates. The method may receive pushed information from an associate, including, e.g., an update to the user profile information, related information, or personalized content for the user. The method can convey to the user, personal information including a selectable union of the user profile information, the related information, and/or the personalized content. The method can further share access to the personal information to a family, where the family can include another user, users, or multiple related users. The pushed information can include textual, digitized audio, digitized video, graphical image, or other data, and can include prescription, automobile service, or purchased product information, or voicemail messages.
    Type: Grant
    Filed: October 20, 2014
    Date of Patent: January 9, 2018
    Assignee: Xylon LLC
    Inventors: David A. Bolnick, Robert M. Krauthamer, Steven Esses
  • Patent number: 9864976
    Abstract: A facility for initiating a funds transfer operation is described. The facility displays on a mobile device identity verification information for other people each associated with another mobile device within a maximum distance. For example, the displayed identity verification information may be a picture of the person. The user may select one of these in order to initiate a funds transfer operation to the selected person.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: January 9, 2018
    Assignee: Simple Finance Technology Corp.
    Inventors: Thomas Wanielista, Tad Fisher, Matthew Moyer, Colin Ruffenach, Tristan Waddington, Jarred Ward
  • Patent number: 9865014
    Abstract: A customer terminal of a “self-scanning shopping” system, which is configured to store at least one shopping session in a non volatile memory, includes a main processor, a product code reader, a location for non volatile storage of an open shopping session indicator and/or an identifier, either direct or indirect, of a shopping session, and a supervisor circuit. In a working operating state, the main processor periodically sends a heartbeat to the supervisor circuit. The supervisor circuit commands a reset of the main processor when, from the lack of receipt of the heartbeat, it detects a non working operating state of the main processor. The main processor, upon reset, checks whether there is an open shopping session based on the contents of said memory location and in the affirmative case restores said shopping session.
    Type: Grant
    Filed: December 21, 2012
    Date of Patent: January 9, 2018
    Assignee: DATALOGIC IP TECH S.R.L.
    Inventors: Sandro Codato, Paolo Mazzocato, Marco Lizza
  • Patent number: 9860389
    Abstract: A mobile virtual network operator is provided. The operator includes a server that is communicatively coupled to a mobile device. The mobile device includes application software provided by the virtual network operator for allowing phone call and data connectivity.
    Type: Grant
    Filed: September 26, 2016
    Date of Patent: January 2, 2018
    Assignee: Seven Networks, LLC
    Inventor: Trevor Fiatal
  • Patent number: 9858622
    Abstract: A system and method to facilitate providing vehicle insurance services includes correlating vehicle information with a specialty vehicle data identifier, storing the correlated vehicle information in a memory, and associating the correlated vehicle information with one or more discrete vehicle data identifiers, wherein in response to a search request of the memory, discrete vehicle data identifiers including vehicle information that substantially matches at least a portion of a search term are identified and compiled into an output provided in an accessible format.
    Type: Grant
    Filed: August 31, 2015
    Date of Patent: January 2, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Christina P. Mullen, William J. Leise, Douglas Albert Graff
  • Patent number: 9851701
    Abstract: A method, energy usage analysis device, and non-transitory computer readable medium that obtain an amount of energy generated from wind resources and thermal resources at a plurality of intervals over a specified time period. An amount of energy consumed by a user at each of the intervals is obtained. An energy source wind number value is generated for each of the intervals based on the respective amount of energy generated from the wind resources and the thermal resources. An energy consumption wind number value is generated for each of the intervals based on the respective energy source wind number value and the respective amount of energy consumed by the user. An overall wind number value is generated for the specified time period based on the energy consumption wind number values and the amount of energy consumed at each of the intervals. The overall wind number value is output.
    Type: Grant
    Filed: November 13, 2014
    Date of Patent: December 26, 2017
    Assignee: Sabreez, LLC
    Inventor: William Scott Hoppe
  • Patent number: 9852472
    Abstract: Systems and methods for implementing trading software that includes a computer, selling execute a sell transaction, and buying execute a buy transaction. An executing area on the computer display has a price offer indicator, a sell price indicator, a buy price indicator, and a percentage in point spread, whereby the price offer indicator defines a first price for a unit of a specified stock, bond, currency, and/or commodity to be traded shown at the stocks, bonds, currencies, and/or commodities data. The sell price indicator defines a second price to sell each unit to be traded shown at the stocks, bonds, currencies, and/or commodities data, positioned vertically below the sell price indicator. The buy price indicator defines the price to buy each unit, and the percentage in point spread defines a spread, being a difference between the buy price indicator and the sell price indicator.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: December 26, 2017
    Inventor: Martin Armando Martinez
  • Patent number: 9848001
    Abstract: Securing access to one or more applications in an enterprise zone (e.g., a set of protected applications) is disclosed. A last activity time associated with a use of at least one mobile application in the protected subset may be retrieved from a shared storage location associated with a protected subset of two or more protected mobile applications. It may be determined that the last activity time is within a session expiration time period associated with the protected subset. Access to one or more applications in the protected subset may be allowed without credential verification based at least in part on the determination.
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: December 19, 2017
    Assignee: MOBILE IRON, INC.
    Inventors: Mansu Kim, Joshua Sirota, Suresh Kumar Batchu
  • Patent number: 9842344
    Abstract: A shareholder investment system and method is provided. At least certain embodiments relate to processing of loyalty rewards such as rewards generated via the use of credit cards, debit cards, prepaid cards, etc. A payment processing system for financial transactions is enhanced to support reward transactions. The reward communications can be processed over the payment processing system together with payment transactions. Consumer's can accumulate monetary value associated with the rewards in a rewards account. The rewards are based on awards provided by conducting transactions using a rewards account associated with a shareholder rewards program or by conducting transactions with particular merchants participating in the rewards program. The accumulated monetary value can then be used for purchase of shares of stock of participating merchants.
    Type: Grant
    Filed: October 2, 2014
    Date of Patent: December 12, 2017
    Inventor: Glenn A. Bowman
  • Patent number: 9841961
    Abstract: A system and method manages communications between applications and multiple user computing systems, according to one embodiment. The method and system includes establishing one or more virtual assets in an asset computing environment and installing an application onto the one or more virtual assets in the asset computing environment, according to one embodiment. The system and method receives a first request from a first user computing system and a second request from a second user computing system and delivers the first request and the second request to the application, according to one embodiment. The system and method receives a first result from the application for the first request and a second result from the application for the second request and distributes the first result to the first user computing system and the second result to the second computing system, according to one embodiment.
    Type: Grant
    Filed: July 29, 2014
    Date of Patent: December 12, 2017
    Assignee: Intuit Inc.
    Inventor: Thomas Whitcomb
  • Patent number: 9843534
    Abstract: An approach is provided for managing the provisioning and utilization of resources. A management platform determines a request from a user for execution of one or more data processing tasks by a remote computing service. The management platform also processes and/or facilitates a processing of at least one execution constraint associated with the user, a group associated with the user, or a combination thereof to determine a maximum number of clusters, cluster instances, or a combination thereof of the remote computing service to be provisioned for fulfilling the request. The management platform further causes, at least in part, a provisioning of one or more clusters, one or more cluster instances, or a combination thereof to the user, the group, or a combination thereof to within the maximum number of clusters, cluster instances, or a combination thereof based on the at least one execution constraint.
    Type: Grant
    Filed: December 18, 2014
    Date of Patent: December 12, 2017
    Assignee: HERE Global B.V.
    Inventors: Brent D. McFarlin, James M. Burke, MacGregor Felix
  • Patent number: 9842354
    Abstract: A multistage online auction for electronic advertising is described including simulation. A first stage auction occurs internally within a demand-side platform where multiple advertiser clients compete to determine whose advertisement is submitted to at least one external auction site. Within the internal auction, an advertiser client optionally simulates their participation. All bidders enter a bid and campaign targeting parameters. A simulating bidder's campaign is processed in real time just as those of real bidders. Ad placement opportunities received from an external auction site are filtered for each campaign producing a list of targetable impressions. For each targetable impression, the client placing the highest real bid has their ad and bid submitted to the second stage external auction. A simulating bidder receives a report on targetable impressions for their campaign. A targetable impression for a simulated bid that is higher than any real bid is reported as a winnable impression.
    Type: Grant
    Filed: January 31, 2013
    Date of Patent: December 12, 2017
    Assignee: ADOBE SYSTEMS INCORPORATED
    Inventors: John Hughes, Adam Rose, Yen Pai
  • Patent number: 9836789
    Abstract: A system is provided for facilitating trading of financial instruments, comprising: (i) a requester module configured to obtain request for quotation (RFQ) information from one or more requesting users, the RFQ information comprising terms of a request for quotation; (ii) a responder module operatively connected to the requester module, the responder module configured to obtain response information from one or more responding users; (iii) a contract generation module operatively connected to the requester module and the responder module, wherein the contract generation module is configured to generate contracts to trade financial instruments based on the RFQ information and the response information; (iii) an interface module operatively connected to the requester module, the responder module, and the contract generation model, wherein the interface module is configured obtain order information based on the contracts trade financial instruments, from one or more qualifying users; and (iv) a transaction module
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: December 5, 2017
    Assignee: Integral Development Corporation
    Inventors: Vikas Srivastava, Patrick Barkhordarian, Harpal Sandhu
  • Patent number: 9836791
    Abstract: A computerized trading system receives buy and sell trade orders in financial instruments traded in the central trading system from user terminals connected to the central trading system is provided. Users and/or user terminals are associated with different offset spread values. The trading system transmits price information and associated offset spread values to different user terminals. Each of the user terminals displays an actual price for the instrument that corresponds to the combined price information and associated offset spread value.
    Type: Grant
    Filed: January 8, 2010
    Date of Patent: December 5, 2017
    Assignee: Nasdaq Technology AB
    Inventors: Daniel Jensen, Tobias Hallor
  • Patent number: 9830366
    Abstract: In one example embodiment, a system and method are shown for receiving data that include a time stamp. The system and method also include building an Online Analytical Processing (OLAP) cube that includes a dimension, the dimension acting as a schema for the data that include the time stamp. The system and method may also include populating the OLAP cube with an object, the object including the data and the time stamp as at least one attribute. The system and method may also include storing the OLAP cube.
    Type: Grant
    Filed: March 23, 2009
    Date of Patent: November 28, 2017
    Assignee: Thomson Reuters Global Resources
    Inventor: Steven Wagner
  • Patent number: 9830383
    Abstract: A computer-implemented method for decomposing a decision table includes decomposing, by a computer processor, a decision table into a first sub-table and a second sub-table. The decision table includes two or more columns, and the decomposition is based on a semantic model describing relations among the two or more columns of the decision table. The first sub-table and the second sub-table together represent the decision table.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: November 28, 2017
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Swaminathan Balasubramanian, Pierre C. Berlandier
  • Patent number: 9830651
    Abstract: A computing device receives a request to establish a crowdfunding project for a business, the request describing an amount of funding being requested by the business, and terms and conditions for owning shares in the business. The computing device generates a crowdfunding interface for the crowdfunding project, the interface including the amount of funding being requested, the terms and conditions for owning shares in the business, a share price, and an option for purchasing shares. The computing device receives, from investors and through the crowdfunding interface, requests to purchase a specified number of shares in the business. The computing device allocates, to each investor, the respective number of shares purchased. The computing device determines that the amount of funding being requested by the business has been satisfied. The computing device determines that the business is able to pay dividends. The computing device provides a respective dividend payment to each investor.
    Type: Grant
    Filed: January 29, 2014
    Date of Patent: November 28, 2017
    Assignee: SQUARE, INC.
    Inventor: Zach Brock
  • Patent number: 9830659
    Abstract: The method, system, and computer-readable medium generate and adjust retirement plans. Client information and projection parameters are received from a user and used to generate a first retirement plan. Default values for some information may be presented to verification based upon previously entered information. The first retirement plan is presented to the user simultaneously with a plurality of options to adjust the parameters, which are presented such that the user may adjust the parameters without obscuring the retirement plan information. Upon selection of an option by the user, the retirement plan is adjusted and presented in real-time, which may be implemented by the user's computer without communication with another computer. A reallocation option may be included to request quotes from additional parties, receive the quotes, and reallocate part or all of the value of a client asset to a different type of asset based upon the quotes.
    Type: Grant
    Filed: October 2, 2014
    Date of Patent: November 28, 2017
    Assignee: RETIREUP, INC.
    Inventors: Daniel Santner, Jeffrey P. Feinendegen