Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 11663042
    Abstract: A system generates electronic alerts through predictive analysis of resource conversions. The system may continuously monitor executed resource transfers to generate historical resource transfer data. Based on the historical resource transfer data, the system may generate a predicted outcome of executing transfers of resources in a first format compared to transfers of resources in a second format. The predicted outcome may then be implemented by the system to select a resource format for transfers occurring in the future and/or at specified intervals.
    Type: Grant
    Filed: December 30, 2021
    Date of Patent: May 30, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Lee Ann Proud, Martha Sain McClellan, Joseph Benjamin Castinado, Kathleen Hanko Trombley
  • Patent number: 11663448
    Abstract: Systems, methods, and computer program products are provided for determining an event parameter are provided. Event data can be matched to a grid comprising gridlines and cells defined by the gridlines. The grid can be mapped to a predetermined area. Each cell can comprise a number of events per predetermined time interval. The cells can be sorted into classes based on the number of events occurring during the predetermined time interval to produce a classified data set. Features can be extracted from the classified data set. The extracted features can be processed using a classifier to determine the event parameter for a future time interval in at least one cell of the cells, for example, crime events. The classifier can comprise a neural network. Systems can comprise one or more of a processor, a neural network, and a user interface.
    Type: Grant
    Filed: June 28, 2019
    Date of Patent: May 30, 2023
    Assignee: Conduent Business Services, LLC
    Inventor: Niraj Kumar
  • Patent number: 11663582
    Abstract: A payment intermediary vaults credit card data of a consumer for regular, simplified payments to one or more merchants. Consumer authorizes intermediary to charge the credit card so that intermediary can, in turn, pay a selected merchant. Intermediary tracks the interchange fees incurred on the first card transaction (between consumer and intermediary) and then automatically selects a payment card account with a higher interchange rate than that incurred on the first card transaction to pay merchant.
    Type: Grant
    Filed: April 13, 2021
    Date of Patent: May 30, 2023
    Assignee: VPay, Inc.
    Inventor: Robert M. Allen
  • Patent number: 11663662
    Abstract: There are provided systems and methods for automatic adjustment of limits based on machine learning forecasting. An entity, such as company or other entity, may purchase items utilizing a payment instrument or card provided to the company by a credit provider system or entity. In order to provide proper underwriting for credit extensions, such as balances and limits of extendable credit, the credit provider system may utilize a forecasting machine learning (ML) model trained to predict a future global balance of funds or a likelihood of repayment of the extended credit limit. This may be based on information retrievable balances from a banking system and a staleness of this data. When the data is stale and has not been updated, the forecasted balance may have a wider range, and thus risk factors may designate less risky and lower limits.
    Type: Grant
    Filed: December 22, 2021
    Date of Patent: May 30, 2023
    Assignee: Brex Inc.
    Inventors: Bryant Chen, Lillian Xu, Jeanette Jin
  • Patent number: 11663676
    Abstract: Methods provide cognitive management of multiple subaccounts wherein processors are configured to determine an expense type for an input of an expense event to a linked account structure that links subaccounts that are each associated to different respective ones of a plurality of group members. In response to determining that the input expense event expense type most-strongly matches an expense type of a nearby in time calendar expense, methods allocate expense costs of the input expense to member subaccounts pursuant to a first expense allocation rule utilized in the nearby calendar event for allocating expenses. In response to determining that the input expense event expense type does not match the expense types of a nearby calendar events, methods further allocate the input expense event costs pursuant to a second expense allocation rule selected as a function matching the input event expense type to behavior data of a member.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: May 30, 2023
    Assignee: International Business Machines Corporation
    Inventors: Fabio Cerri, Alice Guidotti, Bernardo Pastorelli, Leonardo Rosati
  • Patent number: 11657461
    Abstract: A system for data collection is disclosed. The system may include a data collection circuit to monitor a status of a loan and the loan's collateral, and a smart contract circuit automatically initiate at a substitution, a removal, or an addition of one or items from the collateral for the loan based on a smart lending contract in response to one of the status of the loan or the status of the collateral for the loan. The system may also include a blockchain service circuit to interpret a plurality of access control features for at least one party associated with the loan and record the substitution, removal, or addition in a distributed ledger for the loan.
    Type: Grant
    Filed: March 2, 2020
    Date of Patent: May 23, 2023
    Assignee: Strong Force TX Portfolio 2018, LLC
    Inventor: Charles Howard Cella
  • Patent number: 11657411
    Abstract: The present invention provides a system, method, software and data structure for independently predicting attitudinal and message responsiveness, using a plurality of attitudinal or other identification classifications and a plurality of message content or version classifications, for a selected population of a plurality of entities, such as individuals or households, represented in a data repository. The plurality of predictive attitudinal (or identification) classifications and plurality of predictive message content (ore version) classifications have been determined using a plurality of predictive models developed from a sample population and applied to a reference population represented in the data repository, such as attitudinal, behavioral, or demographic models. For each predictive attitudinal (or identification) classification, at least one predominant predictive message content or version classification is independently determined.
    Type: Grant
    Filed: October 15, 2020
    Date of Patent: May 23, 2023
    Assignee: Experian Marketing Solutions, LLC
    Inventors: Marc Christian Fanelli, Patricia Kay Gormley, Kymberly Ann Kulle, Thomas G. Nocerino, Kaushik Sanyal
  • Patent number: 11651341
    Abstract: Technologies for enhancing payment transactions include a payment gateway computing system. The payment gateway computing system receives authorization request messages from point of sale systems of one or more betting-related merchants. The transactional information for each of the plurality of authorization requests is cataloged into a repository as historical payment data. A risk profile based on the historical payment data associated with a cardholder is generated. The risk profile can be correlated to transactional velocity or other parameter. The risk profile is transmitted to one of a plurality of payment vehicle issuers that can utilize the risk profile for authorization decisioning. Therefore, the payment vehicle issuer can make authorization decisioning with expanding insight into the cardholder's gaming-related purchase activity.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: May 16, 2023
    Assignee: Worldpay, LLC
    Inventor: Joseph A. Pappano
  • Patent number: 11651351
    Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: May 16, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
  • Patent number: 11651434
    Abstract: A specialized computer matching system programmed to match orders for financial instruments of any type; where orders are matched at a price equal to the best available price or within the best available prices in the market; where priority of matching orders is ranked by price; where orders at the same price may be further ranked based on other attributes; where orders may optionally specify that the order sender is willing to pay a fee to (or receive a rebate by) an Order Matching Entity (i.e., a fee/rebate contingency (FRC)); where an order's optional FRC must be met in order to match the order; and where an order which cannot be matched solely because its FRC rate prevents it from matching with another order temporarily yields priority—other than price priority—to other orders ranked below to permit those orders to be matched.
    Type: Grant
    Filed: November 16, 2022
    Date of Patent: May 16, 2023
    Assignee: NYSE Chicago, Inc.
    Inventor: Steven I. Givot
  • Patent number: 11651401
    Abstract: The present invention provides, among other aspects, methods, systems, devices and software products (computer program products) for creating and maintaining a transactional platform and network for offering, providing, selling and purchasing services, content and time.
    Type: Grant
    Filed: January 14, 2021
    Date of Patent: May 16, 2023
    Assignee: MINE ZERO GMBH
    Inventor: Rolf Herken
  • Patent number: 11636536
    Abstract: According to an aspect, a system for automating pricing desk operations is described. The system includes an input module configured to receive a proposed offer in relation to a financial product and associated context information; a machine learning module trained to classify offers according to positive or negative client; a processing module configured to optimize the proposed and an output module configured to transmit the optimized offer for communication to the client. According to additional aspects, a corresponding computer-implemented method, non-transitory computer-readable medium, and systems and methods for training a machine learning module are also described.
    Type: Grant
    Filed: July 21, 2021
    Date of Patent: April 25, 2023
    Assignee: BANQUE NATIONALE DU CANADA
    Inventors: Eric Charton, Yann-Edern L'Hour, Marie-Eve Malette, Julien Rizkallah-Leroux, Michel Descoteaux
  • Patent number: 11636418
    Abstract: A method and system for repairing data with incongruent or incompatible types that detects anomalies in human resources data, and if anomalies are present in the data, then suggests to a user corrections and synchronizing actions that better match patterns in the data, specifically listing reasons why the data is potentially erroneous and justifies the suggestion based on objective data to aid the user in accepting corrections and synchronizing actions or performing further review and analysis on the data using the method and system.
    Type: Grant
    Filed: June 16, 2020
    Date of Patent: April 25, 2023
    Assignee: PredictiveHR, Inc.
    Inventors: William M. Lyerly, Charles Occhino
  • Patent number: 11636078
    Abstract: A configuration associated with locating personally identifiable information stored in a database is received. An alternate metadata source separate from the database is identified. The separate alternate metadata source is searched using the configuration to identify locations in the database that store personally identifiable information.
    Type: Grant
    Filed: April 24, 2020
    Date of Patent: April 25, 2023
    Assignee: ServiceNow, Inc.
    Inventors: Alexander North, Nicholas Farrenkopf, Kyle Del Castillo
  • Patent number: 11635224
    Abstract: There is provision of an operation support system for supporting an operation of a demand-supply system including a resource supplying facility and a resource demander facility. The operation support system receives an input of a demand-supply system model of the demand-supply system, facility-capacity information of the resource supplying facility, and analysis condition information defining a plurality of variables and an external variable of the demand-supply system, to generate a correlation logical formula representing a relation among the plurality of variables and the external variable.
    Type: Grant
    Filed: July 20, 2018
    Date of Patent: April 25, 2023
    Assignee: FUJI ELECTRIC CO., LTD.
    Inventors: Satoshi Kiryu, Yoshio Tange
  • Patent number: 11636403
    Abstract: A computer-implemented method for automated forecasting of cash flow includes: monitoring, while a plurality of first transactions are being processed in a payment network, payable transaction data associated with the plurality of first transactions, the plurality of first transactions initiated with at least one account issued to a merchant; monitoring, while a plurality of second transactions are being processed in a payment network, receivable transaction data associated with the plurality of second transactions, the plurality of second transactions between the merchant and a plurality of users; determining, based on the payable transaction data and the receivable transaction data, a plurality of seasonal variables; and generating a cash flow forecast associated with the merchant, the cash flow forecast generated based on the plurality of seasonal variables. A system and computer program product for automated forecasting of cash flow are also disclosed.
    Type: Grant
    Filed: June 27, 2019
    Date of Patent: April 25, 2023
    Assignee: Visa International Service Association
    Inventors: Anup Tripathi, Robert David Pritchard, Jr., Yinle Zhou, Suman Mukherjee
  • Patent number: 11636550
    Abstract: A system can include one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors to perform: receiving at least one image of an insurance card of a user; extracting one or more feature values from the at least one image of the insurance card of the user; reducing an amount of data in a feature vector of the at least one image of the insurance card of the user to a set of data using dimensionality reduction; determining, by a machine learning model, as trained, a first insurance plan of the user based on machine learning model input data; identifying at least one alternative insurance plan to be displayed to the user based at least in part on historical medical information associated with the user; and a recommendation comprises the at least one alternative insurance plan. Other embodiments are disclosed.
    Type: Grant
    Filed: July 26, 2021
    Date of Patent: April 25, 2023
    Assignee: WALMART APOLLO, LLC
    Inventors: Walter R. Smith, Frédéric Médous
  • Patent number: 11636555
    Abstract: Systems and methods for crowdsourcing a condition of a guarantor are disclosed herein. An example system may include a set of crowdsourcing services to communicate a crowdsourcing request to a group of information suppliers, collect the response, and process the responses to provide a reward to at least one successful information supplier. The example system may also include an interface to the set of crowdsourcing services that enables configuration of parameters, where the crowdsourcing request and the parameters are configured to obtain information related to a condition of a guarantor for the loan. An example system may include a set of publishing services that publish the crowdsourcing request.
    Type: Grant
    Filed: December 4, 2020
    Date of Patent: April 25, 2023
    Assignee: Strong Force TX Portfolio 2018, LLC
    Inventor: Charles Howard Cella
  • Patent number: 11631058
    Abstract: Disclosed are methods, systems and non-transitory computer-readable medium for scheduling real estate appraisals using an automatic appraisal inspection performer selection process based on geography.
    Type: Grant
    Filed: June 24, 2022
    Date of Patent: April 18, 2023
    Assignee: APPRAISERS NOW LTD.
    Inventor: Marty Haldane
  • Patent number: 11631066
    Abstract: A digital derivative is a cryptographic- and blockchain-based financial product that governs capital investments in blockchain mining infrastructure. The digital derivative resembles a bond financial product that utilizes blockchain protocols for principal, interest, and payment aspects. A secured hashrate is delivered by the issuer for the lifetime of the digital derivative. Income is generated in the cryptocurrency being mined, and the issuer may elect (prior to issuance) to repay the principal in the mined cryptocurrency. A cryptographic variable interest rate is calculated in the mined cryptocurrency based on the secured hashrate and a protocol-reported network difficulty.
    Type: Grant
    Filed: May 13, 2019
    Date of Patent: April 18, 2023
    Inventors: Michael Maloney, Jonathan Mohan
  • Patent number: 11631131
    Abstract: Exemplary embodiments provide hedge management systems and methods for implementation of automated hedging programs. The automated hedge management system manages various types of hedging programs on behalf of various clients based on currency exchange information received from any of various market data providers. The automated hedge management system also interfaces with various hedge service providers (e.g., banks or other asset market makers) such as for implementing a hedge decision, e.g., to purchase or sell a forward contract. Exemplary embodiments are implemented using parameterized programs and parameterized program engines, thereby allowing a single program engine to implement multiple hedging program instances including combinations of instances.
    Type: Grant
    Filed: February 26, 2021
    Date of Patent: April 18, 2023
    Assignee: Kantox Limited
    Inventors: Antonio Rami Guix, Simon Chevoleau, Álvaro Vilanova Vidal, Guillaume Allain, Philippe Gelis, John Carbajal
  • Patent number: 11625760
    Abstract: Commission mappings for a content producer party are generated based on tracked interactions with distributed content by content consumer computers operated by a content consumer party. The distributed content originates from content producer computers operated by the content producer party. The tracked interactions are indicative of engagement with the distributed content by the content consumer computers. The commission mappings are transformed into an aggregated commission mapping for the content consumer party and the content producer party by correlating the commission mappings to the content consumer party and the content producer party and by processing correlated tracked interactions of the commission mappings into a quantified engagement of the content consumer party with the distributed content produced by the content producer party. The aggregated commission mapping is sent via a computer network to one or more computers operated by the content consumer party or the content producer party.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: April 11, 2023
    Assignee: QUANTIFY LABS, INC.
    Inventor: Blair Livingston
  • Patent number: 11620616
    Abstract: An apparatus and method for administering and/or managing an employer sponsored retirement plan such as a 401(k) plan can include a host system that supports a graphical user interface (GUI) that is displayable to a user communicating with the host system via a user computer device. The use can manipulate one or more input devices connected to the user's computer device for facilitating the communication of data to the host system and updating of displays of the GUI. The GUI can be configured to permit employee participants to enroll and manage their retirement accounts. The GUI can also be configured for employers that sponsor a retirement plan to communicate with the host system to manage their retirement plan and oversee administration of the plan. Displays of the GUI can be generated and updated by a user computer device display based on communications with the host system.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: April 4, 2023
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Matt Dahm, Sherri Painter, Anna C. Shade, Elizabeth Read Arnold Spenko, Ryan Edward Sievert, Jordi Parra Ferrero, Maria Julia Da Silva Benini, Momo Miyazaki, Simon King, Rebecca Marie Hornbuckle, Burton Michael Rast, Mary Beth Foyder
  • Patent number: 11620741
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via the communications module from a remote computing device, a signal comprising image data obtained by the remote computing device, the image data including metadata identifying an image capture location and a time of image capture; obtain verification data, the verification data comprising sensor data received from the remote computing device and identifying a location of the remote computing device at the time of image capture; and evaluate the image data based on the verification data to verify the authenticity of the image data by comparing the image capture location in the metadata to the location of the remote computing device at the time of image capture.
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: April 4, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Patent number: 11620172
    Abstract: In one implementation, systems and methods are provided for processing digital experience information. A computer-implemented system for processing digital experience information may comprise a central data location. The central data location may comprise a connector that may be configured to receive information belonging to a category from an information source; an event backbone that may be configured to route the information received by the connector based on the category; a translator that may be configured to transform the received information into a common data model; and a database that may be configured to store the received information. The event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria.
    Type: Grant
    Filed: October 26, 2020
    Date of Patent: April 4, 2023
    Assignee: The PNC Financial Services Group, Inc.
    Inventor: Michael Nitsopoulos
  • Patent number: 11620577
    Abstract: Embodiments of the present invention provide a computer system, a computer program product, and a method that comprises ingesting tabular data from at least one modality of a plurality of modalities; simultaneously extracting data and generating a prediction model for a task of a computing device from the extracted data from at least two modalities in the plurality of modalities; generating a data signature based on the generated prediction model from the at least two modalities by leveraging the generated prediction model for ingested tabular data and extracted data; comparing the generated data signature to identified data signatures stored in at least one modality in the plurality of modalities; and performing a task based on the generated data signature and a validation of the comparison of identified data signatures.
    Type: Grant
    Filed: July 1, 2020
    Date of Patent: April 4, 2023
    Assignee: International Business Machines Corporation
    Inventors: Anuradha Bhamidipaty, Bhanukiran Vinzamuri, Elham Khabiri
  • Patent number: 11620600
    Abstract: A method, apparatus, and computer program product for improved risk compliance management are provided. An example method includes receiving, by a computing device, a request for an authenticated online session. The method further includes obtaining, by identification circuitry of the computing device, one or more first risk parameters associated with a first session establishment process. The one or more first risk parameters are associated with a first vendor performing the first session establishment process. The method further includes determining, by risk compliance circuitry of the computing device, if the one or more first risk parameters satisfy one or more first risk thresholds. In response to this determination, the method includes modifying, by risk adjustment circuitry of the computing device, one or more second risk thresholds associated with a second session establishment process to be performed by a second vendor.
    Type: Grant
    Filed: February 21, 2019
    Date of Patent: April 4, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Abhijit Rao, Masoud Vakili
  • Patent number: 11615352
    Abstract: A system and method are provided for integrating data used in computing financial wellbeing scores. The system includes at least one computing device configured to provide a computing platform, the computing platform providing: at least one client module providing an interface for communicating with client devices; an advisor module providing an interface for communicating with advisor devices; a forecast module; an optimizer module configured to analyze datasets from multiple sources and to generate recommendations to optimize strategies to achieve financial outcomes; and a database storing financial planning data. The system also includes an integration layer interposed between the computing platform and a book of record to enable client data in the book of record to be accessed; and a financial planning software module independent of the computing platform, configured to generate financial plan data integrated by the computing platform in financial wellbeing scores and recommendations.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: March 28, 2023
    Assignee: IGM Financial Inc.
    Inventors: Jeffrey R. Carney, Douglas Milne, Gaétan Ruest, Michael Jack, Chanel Au, Garett K. I. Klus
  • Patent number: 11615332
    Abstract: Techniques are described relating to automatically classifying telephone calls into a particular category using machine learning and artificial intelligence technology. As one example, calls to a customer service phone number can be classified as related to prohibited activity, or as legitimate. In particular, a number of different telephony variables as well as additional variables can be used to make such a classification, after training an appropriate machine learning model. The training process may use an externally provided call classification score that is provide by an outside entity as an input, and can be calibrated so that the output score of the trained classifier provides a score that corresponds to a real-world percentage chance of an unclassified call falling into a particular category. Thus, a classifier score of “95” can indicate that a call is in fact believed to be 95% likely to correspond to prohibited activity, for example.
    Type: Grant
    Filed: June 25, 2019
    Date of Patent: March 28, 2023
    Assignee: PAYPAL, INC.
    Inventors: David Williams, Dmitry Martyanov
  • Patent number: 11615418
    Abstract: A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.
    Type: Grant
    Filed: July 14, 2021
    Date of Patent: March 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
  • Patent number: 11615483
    Abstract: Systems and methods to facilitate automated validation of anti-money laundering alerts are disclosed. Exemplary implementations may: obtain alert information indicating monetary transaction flow patterns suspected as money laundering; identify pattern types of the monetary transaction flow patterns; obtain source lists indicating sources of extra-transactional information related to the entities involved in the monetary transactions and significance of the sources; access the sources and obtain the extra-transactional information; evaluate the extra-transactional information included in the sources in accordance with indicated significance of the sources to validate or disprove the suspicions of the monetary transaction flow patterns; and/or perform other operations.
    Type: Grant
    Filed: February 12, 2021
    Date of Patent: March 28, 2023
    Assignee: Jumio Corporation
    Inventor: Benjamin Tyson Duranske
  • Patent number: 11615473
    Abstract: Certain example embodiments provide systems, methods, apparatuses, and computer program products for a resilience measurement system. For example, the resilience measurement system may receive data from multiple sources, and may measure resiliency based on this data, such as the ability of a population or geographic area (e.g., a country) to withstand emerging threats, including but not limited to, posed by climate and environment, health, globalization, and human development. The resilience measurement system may calculate one or more scores indicating risk, need for program adjustment, or need for policy change and investment, depending on the client the project. To perform such operations, the resilience measurement system may process index scores for different categories of threats to average the index scores for different categories of threats with different weights. The final scores may be used by the resilience measurement system for additional analysis, to perform actions, and/or the like.
    Type: Grant
    Filed: March 4, 2021
    Date of Patent: March 28, 2023
    Inventor: Noor Shakfeh
  • Patent number: 11615385
    Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.
    Type: Grant
    Filed: June 17, 2021
    Date of Patent: March 28, 2023
    Assignee: GANART TECHNOLOGIES, INC.
    Inventors: Anthony M. Cacheria, III, David Hooker, Wayne Thomas McHugh, Kristopher Glover, Webb Edwards, Arthur Martin Holbrook, Barrett Jenkins, Purnendu Mishra, Mohamed Safir Salihu
  • Patent number: 11615421
    Abstract: Methods, systems and computer program products for selectively providing authenticated data corresponding to a payment card holder at a point-of-sale (POS) terminal are described. The method can include receiving from a terminal device, payment card account information comprising a payment card account identifier and user authentication information. Responsive to the received user authentication information matching one of a plurality of predefined authentication keys associated with the payment card account identifier, a predefined function is selected from among at least first and second predefined functions associated with the payment card account identifier—wherein the selection of the predefined function from among the first and second predefined functions is based on an association between the selected predefined function and an authentication key that has been matched with the received user authentication information.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: March 28, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Shashank Kumar Trivedi, Ankur Arora, Rajesh Chopra
  • Patent number: 11610260
    Abstract: The present invention generally relates to computer systems, methods and program products for allocation of client funds in a sweep product using segregated aggregated deposit accounts. The present invention also generally relates to computer systems, methods, and program products for the tracking of ownership in federally insured accounts with more than one ownership interest.
    Type: Grant
    Filed: November 25, 2020
    Date of Patent: March 21, 2023
    Assignee: ISLAND INTELLECTUAL PROPERTY LLC
    Inventor: Bruce R. Bent, II
  • Patent number: 11610016
    Abstract: A method of the present disclosure includes a host system authenticating a user of the user device to access secure host information associated with the user in a database. A request may be transmitted to a third-party system to access secure third-party information stored by the third party based on third-party authentication information. The host system may receive the secure third-party information and store the secure third-party information in a memory location of the database that is associated with a different memory location including the secure host information. The memory location and the different memory location may be associated in the database based on a common information type. The host system may generate a graphical user interface that positions the secure host information and the secure third-party information in the graphical user interface based on their respective location in the database.
    Type: Grant
    Filed: February 9, 2022
    Date of Patent: March 21, 2023
    Assignee: Truist Bank
    Inventors: Candice Roberts, Alisha Belk, Bhavani Konuru
  • Patent number: 11611511
    Abstract: This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.
    Type: Grant
    Filed: February 10, 2021
    Date of Patent: March 21, 2023
    Assignee: Bank of America Corporation
    Inventors: Gilbert Gatchalian, William August Stahlhut, Kamesh R. Gottumukkala, Siten Sanghvi, Stephen T. Shannon, Morgan S. Allen, Christopher L. Rice
  • Patent number: 11611434
    Abstract: The present disclosure relates to a computer-implemented method for authenticating a transaction over a secure network. The method comprises receiving, by a first authentication server, a sensitive data payload and a cryptogram, wherein the first authentication server is configured to either receive or generate a token associated with the sensitive data payload; transmitting, by the first authentication server, the token and the cryptogram to a second authentication server, wherein the second authentication server is configured to validate the token and the cryptogram and generate a first message including a validation result; transmitting, by the second authentication server, the first message to an issuer server to authenticate the transaction; and reviewing, by the issuer server, the validation result and generating an authentication value including a validation flag based on the review of the validation result.
    Type: Grant
    Filed: August 25, 2020
    Date of Patent: March 21, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
  • Patent number: 11609756
    Abstract: Managing firmware updates of an information handling system (IHS), including performing, at a first time, a calibration and configuration of a firmware update risk model, including: identifying predictor data associated with a plurality of IHS; training, based on the predictor data, the firmware update risk model, including generating a configuration policy including configuration rules, the configuration rules for performing computer-implemented actions responsive to a firmware update; receiving, at a second time, the firmware update at a particular IHS, and in response: identifying particular predictor data of the particular IHS; in response to identifying the particular predicator data of the particular IHS, i) accessing the firmware update risk model including the configuration policy, ii) identifying one or more of the configuration rules based on the identified particular predicator data, and iii) applying the one or more configuration rules to perform computer-implemented actions responsive to receivin
    Type: Grant
    Filed: May 19, 2021
    Date of Patent: March 21, 2023
    Assignee: Dell Products L.P.
    Inventors: Ibrahim Sayyed, Alok Pant, Nikhil Manohar Vichare
  • Patent number: 11610263
    Abstract: The disclosed embodiments relate to a system for trading using a central counterparty which allows market participants to minimize risk and/or transactional fees associated with a portfolio of bilateral positions without substantially altering a risk profile thereof. In particular, the disclosed embodiments allow a market participant holding a portfolio of heterogeneous bilateral positions, such as positions in interest rate swap (“IRS”) contracts, to net together similar but not identical positions within their portfolio, thereby reducing margin requirements and/or transaction fees, according to criteria specified by the market participant, and which may be different from criteria specified by other market participants, wherein the overall risk exposure desired by the market participant in entering into the positions remains substantially unchanged as does the desired overall risk exposure of the counterparty market participants to those positions.
    Type: Grant
    Filed: June 19, 2013
    Date of Patent: March 21, 2023
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: David Boberski
  • Patent number: 11604828
    Abstract: Systems and methods are disclosed herein for resolving a meaning of an ambiguous calendar entry and recommending broadcast media based on the meaning. To this end, a media guidance application may detect a calendar entry specific to a user, and determine that the calendar entry is ambiguous with respect to an associated period of time. In response to determining that the calendar entry is ambiguous with respect to the associated period of time, the media guidance application may determine characteristics of the calendar entry and the user, and compute an estimated range of time corresponding to the calendar entry based on the characteristic of the calendar entry and the characteristic of the user. The media guidance application may then generate for display a recommendation of broadcast media based on the estimated range of time.
    Type: Grant
    Filed: June 16, 2020
    Date of Patent: March 14, 2023
    Assignee: Rovi Guides, Inc.
    Inventors: Ashleigh Miller, Mario Sanchez, Phillip Teich, Carla Mack
  • Patent number: 11604785
    Abstract: Various methods, apparatuses/systems, and media for implementing a data quality check module for determining whether data is acceptable or not are disclosed. A processor collects all facts data corresponding to an agreement based on corresponding received distribution event data in accordance with margin requirements associated with the agreement and calculates statistical analysis data based on historical data points of the facts data for the agreement. The processor also creates and configures dynamic rules that are required to be applied for determining whether the agreement is in good order; verifies the statistical analysis data against the rules to determine anomaly data; marks the agreement as a good order agreement flag when it is determined that the anomaly data is within a predetermined threshold value; and automatically executes, in response to marking the agreement as a good order agreement flag, a straight through processing of the agreement.
    Type: Grant
    Filed: March 26, 2021
    Date of Patent: March 14, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Chandra N Gorantla, Karthigeyan Kuppan
  • Patent number: 11605078
    Abstract: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: March 14, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventor: Patrick Adam
  • Patent number: 11605182
    Abstract: A first 2D recording of a specified reference view of an object is captured by a camera and, starting from the first 2D recording, a user's starting location relative to the object is ascertained by a computer vision module. Starting from the origin of a coordinate system as the starting location of the camera, one or more specified and/or settable relative positions in the vicinity of the object and/or in the object are determined as one or more locations for the respective perspective of the camera for taking at least one second 2D recording. The respective location in an object view on a display of the camera is displayed by a respective first augmented reality marker on the ground and/or on the object. The alignment of the camera with regard to angle and rotation with the perspective corresponding to the respective location is performed in this case by second augmented reality markers as auxiliary elements.
    Type: Grant
    Filed: November 19, 2020
    Date of Patent: March 14, 2023
    Assignee: AUDI AG
    Inventors: Andreas Fischer, Deborah Salcher
  • Patent number: 11599840
    Abstract: A system, method, and computer readable device that detects hidden correlation relationships among entities, such as companies and/or individuals is presented. A dataset that corresponds to a predefined set of correlation relationships of these companies and/or individuals may be collected. The dataset may be stored in a graph database and a machine learning system may be built using features computed from the graph database. At least a new pair of companies or a new pair of an individual and a company may be evaluated. The system, method, and/or computer readable device may determine whether a hidden correlation relationship exists between them.
    Type: Grant
    Filed: February 25, 2019
    Date of Patent: March 7, 2023
    Assignee: Graphen, Inc.
    Inventors: Lishui Cheng, Ching-Yung Lin, Jie Lu, Danny Lo-Tien Yeh
  • Patent number: 11598962
    Abstract: A plurality of modal parameters is estimated for a set of discrete locations within a local area using a set of room impulse responses for the set of discrete locations. The local area includes an audio system. A plurality of acoustic model parameters is generated by fitting the plurality of modal parameters to an acoustic model that accounts for a physical geometry of the local area. The plurality of acoustic model parameters and an indication about the acoustic model are stored for later use by the audio system. The audio system estimates the set of acoustic parameters using the plurality of acoustic model parameters and the indication about the acoustic model, and presents audio content using the set of acoustic parameters.
    Type: Grant
    Filed: December 24, 2020
    Date of Patent: March 7, 2023
    Assignee: Meta Platforms Technologies, LLC
    Inventors: Orchisama Das, Sebastià Vicenç Amengual Garí, Paul Thomas Calamia, Philip Robinson
  • Patent number: 11599925
    Abstract: The present invention is directed to a visual cable builder, and accompanying systems, methods, and computer programs. Specifically, a plurality of selectable characteristics of a cable component are displayed to a user. A user selection is received of various selectable characteristic(s) of a cable component. Respective display element(s) associated with the user selection of the selectable characteristic(s) are retrieved. The display element(s) are displayed to the user as part of a configured communications cable. In some embodiments, a part number may also be displayed, the part number being generated based on the selected characteristic(s) of the configured communications cable. An alias part number may also be inputted by the user, which may then be associated with the configured communications cable.
    Type: Grant
    Filed: March 13, 2019
    Date of Patent: March 7, 2023
    Inventor: Fazahl Ashby
  • Patent number: 11599885
    Abstract: Like many credit card payments, virtual card payments are subject to fraudulent transactions. To lower this possibility, data collected from a settlement transaction is stored including a merchant category code, a tax identification number, a merchant identification and an IP address of the processing terminal. Subsequent payments from the same payor to the same payee are verified against the previous settlement transaction data to minimize the possibility of fraud.
    Type: Grant
    Filed: July 16, 2021
    Date of Patent: March 7, 2023
    Assignee: Vpay, Inc.
    Inventor: Robert M. Allen
  • Patent number: 11601378
    Abstract: Embodiments of the present disclosure disclose a method and apparatus for allocating a server resource, an electronic device and a computer readable storage medium, and relate to the technical fields of cloud platform, cloud environment, containerization and resource allocation. A specific implementation of the method comprises: acquiring a container group creation request initiated by a user for creating a target container group; determining a required amount of server resources required by the user and a remaining amount of the server resources according to the container group creation request, the remaining amount comprising at least one of an exclusive server resource or a shared server resource; rating qualities of the remaining amount of server resources in the remaining amount, and selecting a target server resource corresponding to the required amount according to an obtained actual rating; and allocating the target server resource to the user for creating the target container group.
    Type: Grant
    Filed: March 26, 2021
    Date of Patent: March 7, 2023
    Assignee: BEIJING BAIDU NETCOM SCIENCE AND TECHNOLOGY CO., LTD.
    Inventor: Tao Yang
  • Patent number: 11593729
    Abstract: An embodiment includes parsing form data into a plurality of form values received with a schedule request and assembling the form values into a search vector. The embodiment searches historical data using a nearest neighbor algorithm that inputs the search vector and identifies first and second sets of historical vectors comprising that are closest by Euclidean distance to the search vector. The embodiment calculates an enhanced constraint vector comprising an average value based at least in part on the first set of historical vectors and a standard deviation value based at least in part on the second set of historical vectors. The embodiment generates an employee schedule using an optimization algorithm subject to a plurality of schedule constraints that include the enhanced constraint vector. The embodiment then transmit data for initiating a notification regarding availability of the employee schedule.
    Type: Grant
    Filed: March 13, 2020
    Date of Patent: February 28, 2023
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Akhouri Abhinav Aditya, Sathwik Chenna Madhavuni