Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10147137
    Abstract: Certain example embodiments described herein relate to systems and/or methods for electronic trading. An example embodiment stores pre-trade order evaluation rules in a memory. The embodiment includes receiving at least one trading order, determining a sequencing of the pre-trade order evaluation rules based on one or more dynamically updated performance metrics associated with the pre-trade order evaluation rules, applying the pre-trade order evaluation rules to the at least one received trading order in accordance with the determined sequencing, and based on results from the applying, either transmitting the at least one received trading order to a trading exchange or rejecting the at least one received trading order.
    Type: Grant
    Filed: October 16, 2014
    Date of Patent: December 4, 2018
    Assignee: SOFTWARE AG
    Inventor: Martin Bent
  • Patent number: 10147144
    Abstract: A transaction tracking system includes a display that permits viewing the relationship between related transactions. In the display, individual transactions are depicted as transaction icons sorted in time order horizontal rows according to order ID.
    Type: Grant
    Filed: May 11, 2015
    Date of Patent: December 4, 2018
    Assignee: Nice Ltd.
    Inventors: Yoram Pomer, Sivan Landau, Itai Veltzman
  • Patent number: 10140357
    Abstract: Techniques are provided for anomaly, association and clustering detection. At least one code table is built for each attribute in a set of data. A first code table corresponding to a first attribute and a second code table corresponding to a second attribute are selected. The first code table and the second code table are merged into a merged code table, and a determination is made to accept or reject the merged code table. An anomaly is detected when a total compression cost for a data point is greater than a threshold compression cost inferred from one or more code tables. An association in a data table is detected by merging attribute groups, splitting data groups, and assigning data points to data groups. A cluster is inferred from a matrix of data and code words for each of the one or more code tables.
    Type: Grant
    Filed: November 11, 2016
    Date of Patent: November 27, 2018
    Assignee: International Business Machines Corporation
    Inventors: Leman Akoglu, Hanghang Tong
  • Patent number: 10140737
    Abstract: In a data visualization system, a method of arranging, in n dimensions, data points representing n or more variables, the method including the steps of: a data point ranking module ranking a set of data points with respect to a first axis of a visual representation using a first variable; and based on a second variable, a data point distribution module distributing the set of data points along the first axis while retaining information relating to the ranking of data points determined in step i).
    Type: Grant
    Filed: April 27, 2016
    Date of Patent: November 27, 2018
    Assignee: New BIS Safe Luxco S.à.r.l
    Inventor: Andrew John Cardno
  • Patent number: 10140659
    Abstract: The disclosed embodiments relate to improving the efficiency of an electronic trading system for interest rate swaps (“IRS”) by allowing for IRS contracts to be funded in a base currency while the cash flows, e.g. coupon payments, price alignment interest, variation margin, are denominated in a local currency different from the base currency. Thereby cash flows may be netted and offset minimizing the magnitude of funds needed to be moved and reducing the number of transactions processed by the electronic trading system as well as the consumption of computational resources thereby. Furthermore, the disclosed embodiments facilitate entering into IRS transactions is a currency different from the currency of cash flows while eliminating Herstatt risk due to volatility of foreign exchange rates, which allows for increased off shore participation and thereby increased transaction volume.
    Type: Grant
    Filed: October 7, 2015
    Date of Patent: November 27, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Panagiotis Xythalis, Jay Zhu, Fateen Sharaby, Dhiraj Bawadhankar, Molang Dong
  • Patent number: 10140660
    Abstract: Systems and methods for enforcing compliance with fiduciary responsibilities related to the administration of a retirement plan are disclosed. The systems and methods include accessing compliance requirements corresponding to the fiduciary responsibilities related to administration of the retirement plan by a fiduciary. Upon accessing the requirements, compliance tasks are extracted in an example implementation. Once compliance tasks are extracted from the requirements, due dates for the compliance tasks are determined based on dates associated with the compliance requirements, or in some examples based on date chosen by a fiduciary. The compliance tasks are then stored in a database, in an example. The systems and methods then monitor the one or more compliance tasks and send alerts based on monitored activities. Finally, in an example implementation, responses to the alerts are tracked to determine whether any follow up action needs to be triggered.
    Type: Grant
    Filed: March 24, 2009
    Date of Patent: November 27, 2018
    Assignee: Fiduciary Compliance Corp.
    Inventors: Larry E. Crocker, William Sean Harrison
  • Patent number: 10135843
    Abstract: The present disclosure discloses a system and method for dynamically modifying role based access control for a client based on the activity. Generally, a client device is granted access to a network resource based on a first reputation score assigned to the client device. The activity of the client device is monitored. Responsive to monitoring the activity of the client device, a second reputation score is determined for the client device based on the activity. The access by the client device to the network resource is then modified to be granted based on the second reputation score.
    Type: Grant
    Filed: November 21, 2017
    Date of Patent: November 20, 2018
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Ramesh Ardeli, Hari Krishna Kurmala
  • Patent number: 10134091
    Abstract: A system configured to determine an insurance premium associated with an account that covers at least one vehicle and at least one driver comprising a computer memory that stores biographical information; a processor that receives information associated with telematics data associated with at least one of the vehicle(s), concerning use of the at least one vehicle(s); the processor further configured to determine discrete segments of use by at least one vehicle(s), and to determine a driver signature associated with each of the discrete segments of use; the processor further configured to generate a driver risk assessment responsive to the at least one of the discrete segments of use; the processor further configured to calculate pricing information based at least in part on the at least one risk assessment and the biographical information; and a transmitter configured to transmit the pricing information to a user device or user transmission device.
    Type: Grant
    Filed: December 31, 2013
    Date of Patent: November 20, 2018
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Isaac D. Adams, Steven J. Fernandes, Marc J. Natrillo, Paul Brendan Olson, Pankaj Prakash
  • Patent number: 10134040
    Abstract: Embodiments of the invention relate in part to determining a testing model and providing a testing transaction score for transactions. The testing transaction score may indicate a likelihood that the transaction is a testing transaction. One embodiment of the invention discloses a method comprising receiving a first authorization message for a first transaction using an account, determining a testing transaction score for the first transaction using a testing model, and determining that the first transaction is a testing transaction based on the testing transaction score, wherein the testing transaction score for the first transaction is used for declining a second transaction using the same account conducted after the first transaction.
    Type: Grant
    Filed: April 28, 2014
    Date of Patent: November 20, 2018
    Assignee: Visa International Service Association
    Inventors: Charles Ding, Aoyu Chen, Suyun Xu, Kevin Siegel
  • Patent number: 10133791
    Abstract: Systems, methods, and computer program methods for assessing a validity or invalidity of a patent are described. A plurality of legal documents associated with a plurality of legal cases can be received, where at least one of the plurality of legal cases can be associated with a legal proceeding. The legal proceeding can be associated with a determination of a validity or invalidity of a patent. The patent can include at least one claim. The plurality of legal documents can be stored in one or more databases. One or more predetermined patterns can be applied to the plurality of legal documents to identify reference data. The reference data can be analyzed to develop one or more analytical or statistical models. The validity or invalidity of the patent can be assessed based on the one or more analytical or statistical models.
    Type: Grant
    Filed: September 8, 2015
    Date of Patent: November 20, 2018
    Assignee: DataNovo, Inc.
    Inventor: Alex H Chan
  • Patent number: 10135948
    Abstract: One embodiment provides a system that facilitates a migration of a data model from a source device to a target device. During operation, the system generates, by a target device, a first interest for a first manifest which represents a version of the data model, wherein a manifest indicates a phase of the migration and a plurality of resources with corresponding names. The system transmits a first plurality of interests for the resources indicated in the first manifest based on a corresponding name. The system receives a second manifest, wherein the migration phase indicated in the second manifest is a stop-and-copy phase. The system transmits a second plurality of interests for the resources indicated in the second manifest based on a corresponding name. The system starts the data model on the system based on content objects retrieved in response to the first and second plurality of interests.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: November 20, 2018
    Assignee: Cisco Technology, Inc.
    Inventor: Marc E. Mosko
  • Patent number: 10127115
    Abstract: Non-limiting examples of the present disclosure describe utilization of a social graph, created from evaluation of extracted social media data, to generate temporal snapshots related to social media data. The temporal snapshots enable users to explore different levels of interest related to social media data. In one example, a social media identifier is identified. A social graph may be accessed to evaluate the social media identifier. An exemplary social graph includes clustered relationships developed based on analysis of social media data extracted from at least one social networking service. The social graph may be used to generate a temporal snapshot for the social media identifier. The temporal snapshot may be transmitted to an entry point for output of the temporal snapshot. Other examples are also described including navigation between content of temporal snapshots based on selection of linked data, among other examples.
    Type: Grant
    Filed: March 18, 2016
    Date of Patent: November 13, 2018
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventors: Vasileios Kandylas, Serge-Eric Tremblay, Omar Alonso
  • Patent number: 10127613
    Abstract: According to one embodiment of the present invention, a system for auditing custodian accounts is provided. The system includes a database system receiving customer and custodian information. A sorting processor performs a sort operation on the received customer and custodian information. A customer and custodian matching processor identifies matches between the sorted customer and custodian information. An interface unit outputs information relating to the existence of matches and non-matches between the customer and custodian information.
    Type: Grant
    Filed: April 1, 2016
    Date of Patent: November 13, 2018
    Inventor: Christopher R. Petruzzi
  • Patent number: 10128658
    Abstract: Autonomous, self-adjusting, and distributed line flow processing for a network having nodes with branches coupling adjacent ones of the nodes and components coupled to the nodes. Systems, methods, and software made in accordance with this disclosure can be used to identify where power flows can exceed the maximum transfer limit in each line and to enable automated adjustments in order to avoid such conditions. These can be useful tools for both system operators of large electrical networks and for implementing automated schemes to ensure network feasibility in micro-grids or other networks with many smart components embedded with communications and/or computation capabilities.
    Type: Grant
    Filed: June 17, 2014
    Date of Patent: November 13, 2018
    Assignee: Carnegie Mellon University
    Inventors: Marija Ilic, Andrew Hsu
  • Patent number: 10129813
    Abstract: In one embodiment, a method comprises establishing, by a first network device in a mesh network, a first connection with a second network device according to a prescribed discovery operation of a first link layer access protocol; advertising via the first connection, by the first network device to the second network device, link layer parameters used by the first network device to establish a second connection according to a second link layer access protocol; and the first network device minimizing a corresponding discovery operation of the second link layer access protocol during establishment of the second connection with the second network device, based on the link layer parameters advertised by the first network device to the second network device.
    Type: Grant
    Filed: March 11, 2015
    Date of Patent: November 13, 2018
    Assignee: CISCO TECHNOLOGY, INC.
    Inventor: Mukesh Taneja
  • Patent number: 10127537
    Abstract: A system for payment processing using a mobile device configured to generate a unique code associated with a transaction to pay a recipient. The system further comprises mobile wallet account processing logic configured to receive the unique code and payment receipt options from a recipient. The mobile wallet account processing logic is further configured to transmit funds using an ACH network to the recipient.
    Type: Grant
    Filed: September 28, 2009
    Date of Patent: November 13, 2018
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Stephen M. Ellis, Bipin Sahni, Karen Nishikawa
  • Patent number: 10121161
    Abstract: A yield management system for dynamically enhancing visibility of yield rates realized for one or more recovered assets is provided. The system is configured to retrieve disposition data associated with a plurality of activities undertaken with handling and processing of one or more recovered assets for disposal thereof and comprising at least one component of disposition cost. Based thereon the system calculates a yield rate for each of said one or more recovered assets, compares said calculated yield rate to one or more market yield rates to identify one or more discrepancies, and if discrepancies exist, generate an indication thereof. A conservation logistics system is also provided, which calculates an index value along a consolidated index scale, compares said index value to one or more pre-determined goals so as to identify one or more discrepancies, and if discrepancies exist, facilitates implementation of one or more conservation logistics initiatives.
    Type: Grant
    Filed: December 12, 2014
    Date of Patent: November 6, 2018
    Assignee: United Parcel Service of America, Inc.
    Inventor: Carrie Parris
  • Patent number: 10121200
    Abstract: Three fully automated systems and methods for a security-based deferred compensation incentive plan, wherein the plan includes as a first element a long investment position in a security issued by the awarding company (sponsor security), such as its own equity shares, as a second element a short investment position in a plurality of securities that are distinct from the sponsor security, and which are economically related and statistically correlated to the sponsor security (peer securities), wherein the quantities of peer securities in which a short investment position is established are determined via a disclosed computer implemented statistical procedure, and as a third element a long investment position in at least one investment asset that is freely chosen by the deferred compensation plan participant out of a menu made available via a computerized user interface.
    Type: Grant
    Filed: November 17, 2015
    Date of Patent: November 6, 2018
    Inventor: Avihay Rapaport
  • Patent number: 10122860
    Abstract: Techniques for estimating expected performance of a task assignment strategy in a task assignment system are disclosed. In one particular embodiment, the techniques may be realized as a method comprising receiving, by at least one computer processor communicatively coupled to a task assignment system, a plurality of historical agent task assignments; determining, by the at least one computer processor, a sample of the plurality based on a strategy for pairing agents with tasks; determining, by the at least one computer processor, an expected performance of the strategy based on the sample; outputting, by the at least one computer processor, the expected performance; and optimizing, by the at least one computer processor, the performance of the task assignment system based on the expected performance.
    Type: Grant
    Filed: July 10, 2017
    Date of Patent: November 6, 2018
    Assignee: Afiniti Europe Technologies Limited
    Inventors: Zia Chishti, Ittai Kan, Vikash Khatri
  • Patent number: 10121199
    Abstract: A distributed trading platform comprising: a first participant system of a liquidity provider configured to determine a first order that is stored in a first order management system; a central system configured to determine a plurality of second orders based on the first order, an aggression level and market data; and a second participant system of a liquidity taker configured to determine that a contra order is stored in a second order management system, determine a single second order of the plurality of second orders that the liquidity taker is qualified to view based on a third quantity of the contra order, and populate a second trader interface with information soliciting submission of the contra order to the distributed trading platform for matching with the single second order.
    Type: Grant
    Filed: July 27, 2017
    Date of Patent: November 6, 2018
    Assignee: CFPH, LLC
    Inventors: Peter McGovern, Kevin Foley
  • Patent number: 10121206
    Abstract: An enhanced social network module associated with an entity may create a social network for an individual, group, and/or organization. The module may then use the social network to determine risk associated with insuring a member of the social network. The determined risk may be used to calculate a rate for insuring the member. Additional features of the module may allow for the calculation of a group rate for insuring all members of the social network, the calculation of various centrality measures for each member of the social network, the calculation of a trust score for any given member, and the ability to poll members of the social network to determine various characteristics of any given member.
    Type: Grant
    Filed: September 30, 2016
    Date of Patent: November 6, 2018
    Assignee: Allstate Insurance Company
    Inventors: Thomas Warden, Christian Peccei
  • Patent number: 10115159
    Abstract: A system and method are provided for trading a trading strategy defined for at least one tradeable object in an electronic trading environment. More specifically, one example method includes using a first pay-up tick value to determine a first acceptable price level for an order associated with the trading strategy, automatically modifying the first pay-up tick to a second pay-up tick value in response to detecting a predefined condition, and using the second pay-up tick value to determine a second acceptable price level for the order associated with the trading strategy.
    Type: Grant
    Filed: November 4, 2013
    Date of Patent: October 30, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Eric M. Herz
  • Patent number: 10116171
    Abstract: A power receiving apparatus carried in an electronic device comprises a power receiving module configured to receive electric power supplied from a power supply apparatus in a non-contact manner; a supply module configured to supply the electric power received by the power receiving module to a power load section of the electronic device; an acquisition module configured to acquire identification information for identifying the power supply apparatus from the power supply apparatus; a determination module configured to determine whether the identification information acquired by the acquisition module is coincident with preset identification information; and a control module configured to suppress the electric power supplied to the power load section if the determination module determines that the identification information is not coincident with the preset identification information.
    Type: Grant
    Filed: June 13, 2016
    Date of Patent: October 30, 2018
    Assignee: TOSHIBA TEC KABUSHIKI KAISHA
    Inventor: Hiroshi Iwasaki
  • Patent number: 10114451
    Abstract: Disclosed are techniques for providing a presentation as a virtual tour through a user's portfolio based on receiving signals that correspond to user movements in the physical world and processing the signals to select generated images associated with the user's movements to generate an image that when rendered on a display device renders a visual representation of the portfolio in a virtual world.
    Type: Grant
    Filed: December 14, 2011
    Date of Patent: October 30, 2018
    Assignee: FMR LLC
    Inventor: David Martin
  • Patent number: 10115202
    Abstract: Image analysis techniques may be employed to identify moving and/or static object within a sequence of spatial data frames (102, 300). Attributes of interest may be identified within a sequence of spatial data frames (102, 300). The attributes of interest may be clustered and examined across frames of the spatial data to detect motion vectors. A system (200) may derive information about these attributes of interest and their motion over time and identify moving and/or static objects, and the moving and/or static objects may be used to generate natural language messages describing the motion of the attributes of interest. Example uses include description of moving and/or static objects in data such as weather data, oil spills, cellular growth (e.g., tumor progression), atmospheric conditions (e.g., the size of a hole in the ozone layer), or any other implementation where it may be desirable to detect motion vectors in a sequence of spatial data frames.
    Type: Grant
    Filed: December 27, 2012
    Date of Patent: October 30, 2018
    Assignee: ARRIA DATA2TEXT LIMITED
    Inventor: Gowri Somayajulu Sripada
  • Patent number: 10109017
    Abstract: A web server obtains URL data for an electronic resource about an entity, and scrapes content data about the entity from the resource. A content processor tokenizes the content data, generates token count data, and stores the token count data in one or more data storage devices. A predictive model processor applies the token count data to a trained predictive model trained to generate first data indicative of at least one industrial classification applicable to the entity and second data indicative of a likelihood the first data is applicable to the entity. The web server is configured to provide, by the communications device to a user device and responsive to application of the trained computerized predictive model to the token count data, a display including the first data and second data.
    Type: Grant
    Filed: October 28, 2016
    Date of Patent: October 23, 2018
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Peter T. Bothwell, Zhe Zhu
  • Patent number: 10108942
    Abstract: Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: October 23, 2018
    Assignee: Bank of America Corporation
    Inventors: Michael Gerald Smith, Scott Andrew Johnson, Brian David Hanson, Hyunmo Koo, Saravana Kumar Govindarajan, Michael Scott Hjellming
  • Patent number: 10108996
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based competitive proposal system. The competitive proposal system generates a user-specific competitive proposal profile containing user preferences, historic trends, and associated resource managers based on information collected from a user and user associated accounts. The competitive proposal system is triggered by the user signaling the system of a proposed transaction. The system requests term change proposals from resource managers that collectively provide a total resource amount required by the merchant to consummate the transaction. The term change proposals are evaluated and ranked by the competitive proposal system before being transmitted as a ranked list to the user device allowing the user to select a preferred term change proposal and complete the transaction.
    Type: Grant
    Filed: March 23, 2016
    Date of Patent: October 23, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Ricki A. Beye, Karrin A. Russo
  • Patent number: 10108941
    Abstract: Embodiments for extracting data for online account includes systems that receive at least one check images, apply one or more optical character recognition processes to at least a portion of the at least one check image, and convert image based data to text based data. The embodiments further identify check data in the text based data, identify online data from the check data, incorporate at least a portion of the online data into a portion of an online account, and provide the online account portion to a customer.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: October 23, 2018
    Assignee: Bank of America Corporation
    Inventors: Michael Gerald Smith, Scott Andrew Johnson, Brian David Hanson, Hyunmo Koo, Saravana Kumar Govindarajan, Michael Scott Hjellming
  • Patent number: 10109011
    Abstract: Methods and systems are provided herewith for providing a financial instrument. In some embodiments, a processor may receive one or more performance parameters for determining a performance of an asset at one or more future times are received from one or more parties. The processor may receive a request to generate indicia of a financial instrument. The financial instrument may comprise a funding instrument that specifies rights and obligations of at least a first party and a second party respecting a funding contribution from the first party for funding an asset owned at least in part by the second party. The processor may determine a plurality of possible measurements of a future performance of the asset based at least in part on the received performance parameters. The processor may determine a conversion schedule for converting at least a portion of the first user's rights in the financial instrument into an equity component of the asset.
    Type: Grant
    Filed: April 22, 2011
    Date of Patent: October 23, 2018
    Assignee: CFPH, LLC
    Inventors: Howard W. Lutnick, Jonathan Rein
  • Patent number: 10108919
    Abstract: Multi-variable assessment systems and methods that evaluate and predict entrepreneurial behavior are provided herein. Methods include obtaining entrepreneur data related to personal skills data, business history data, and social network data for the entrepreneur across a plurality of network modalities, the plurality of network modalities including social networks, phone records, and message records, determining business event information for business events identified between the entrepreneur and contacts of the entrepreneur found in the entrepreneur data, and performing a dynamic measurement of engagement between the entrepreneur and the contacts by looking for contacts between the entrepreneur and the contacts that cross the plurality of network modalities, wherein the dynamic measurement includes an entrepreneur score for the entrepreneur.
    Type: Grant
    Filed: October 18, 2017
    Date of Patent: October 23, 2018
    Assignee: Kountable, Inc.
    Inventors: Christopher Hale, Craig M. Allen, Catherine Nomura
  • Patent number: 10102530
    Abstract: A system and method for detecting a test event involving a financial transaction device at a merchant having a merchant profile is disclosed. The method includes receiving data associated with a transaction involving a financial transaction device; calculating a score using at least the transaction data; comparing the score to a threshold value; and attaching a merchant probe flag to the merchant profile if the score exceeds the threshold value. The merchant probe flag indicates a likelihood that a test event has occurred at the merchant based on the score. If a test event has occurred, then financial transaction devices involved in the test event can have their profiles updated to reflect that they have been probed. If a financial transaction device that has been probed is used in a subsequent transaction, then a specialized fraud scoring model can be used to provide an improved fraud risk score.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: October 16, 2018
    Assignee: Fair Isaac Corporation
    Inventors: Scott Michael Zoldi, Ilya Levner, Maria Derderian
  • Patent number: 10102550
    Abstract: Systems and methods to provide telephonic connections. In one embodiment, a method includes: providing a listing on a marketplace, the listing including an assigned reference to be used to initiate a real time communication connection; and billing for a real time communication lead generated from presenting the listing in response to a real time communication initiated via the reference. In one embodiment, a method includes: conducting online auction of telephonic leads; determining a way to present listings based at least partially on received price bids on the telephonic leads (e.g., the order of placement, the selection for placement, etc); and providing the listings with information to initiate a telephonic connection in a way trackable to measure a number of telephonic calls generated from presenting the listings.
    Type: Grant
    Filed: March 16, 2017
    Date of Patent: October 16, 2018
    Assignee: YELLOWPAGES.COM LLC
    Inventors: Ebbe Altberg, Scott Faber, Ron Hirson, Sean Van Der Linden
  • Patent number: 10102540
    Abstract: A method and device for enforcing advertisement viewing in the device are provided. When there is a play request for contents, it is determined whether there is a common Rights Object (RO) linked with an RO of the requested contents. When there is a common RO, information about consumption of advertisements on a plurality of contents is obtained from the common RO. At least one advertisement linked with the requested contents is played on the basis of the obtained information.
    Type: Grant
    Filed: August 24, 2011
    Date of Patent: October 16, 2018
    Assignee: Samsung Electronics Co., Ltd
    Inventors: Sung-Oh Hwang, Sergey Nikolayevich Seleznev
  • Patent number: 10102512
    Abstract: Methods and Systems comprise accessing user account information in a source user account for a first financial institution. Payee data is scraped from the source user account. The payee data is temporarily stored. It is determined whether the user entering the user credential information has logged off the source website. The temporarily stored payee data is inserted into a target user account for a second financial institution.
    Type: Grant
    Filed: March 19, 2014
    Date of Patent: October 16, 2018
    Assignee: WILMINGTON SAVINGS FUND SOCIETY, FSB
    Inventors: Joseph Delgrippo, Jr., Christopher Zupko, Dale Pippert
  • Patent number: 10096068
    Abstract: Disclosed here is a triaging system, including a value engine, an analytical engine, a scoring engine, and databases storing internal, external, and retention value data. A value engine may be configured to receive information and determine a value associated with a policy; an analytical engine may be configured to receive information related to one or more factors associated with a policyholder, as well as actuarial relationships between the one or more factors; and a scoring engine may be configured to receive information associated with a policyholder from one or more value engines and analytical engines, and may output a scalar score associated with the retention value of the policyholder. The system may determine the value of retention associated with the policyholder and use this value to build and store a client score, where the client score may be a scalar representation of the value of retaining business with the policyholder.
    Type: Grant
    Filed: December 19, 2014
    Date of Patent: October 9, 2018
    Assignee: Massachusetts Mutual Life Insurance Company
    Inventors: Gareth Ross, Tricia Walker
  • Patent number: 10096062
    Abstract: A method and system that produces a single financial product including a security arrangement, legal agreement(s) and technical management facility that aggregates the values of present or future financial cash flows from financial arrangements or securities offered by multiple entities such that the assets and liabilities are combined through agreements and other such arrangements to produce an enhanced portfolio value of the financial products.
    Type: Grant
    Filed: June 23, 2009
    Date of Patent: October 9, 2018
    Inventor: Walsh F. William
  • Patent number: 10096061
    Abstract: Systems and methods for providing financial modeling are provided. A financial modeling method according to the present invention can comprise receiving comprehensive financial data relating to an entity. The financial data can be categorized into a plurality of financial components, which can comprise a protection component, and savings component, and a growth component. An additional step can comprise analyzing the financial data, along with a set of assumptions, to create a financial model based on the plurality of financial components. The method can display a graphical representation of the financial model, and the graphical representation can illustrate an application of one or more of the financial components to the financial data. An update to the financial data or the assumptions can be received and dynamically incorporated into the graphical representation.
    Type: Grant
    Filed: March 20, 2009
    Date of Patent: October 9, 2018
    Assignee: Leap Systems, Inc.
    Inventors: Robert Castiglione, Christian Castiglione
  • Patent number: 10089682
    Abstract: Various embodiments are directed to systems and methods for facilitating a rent-to-own transaction. A computer system may receive from a computer device input data describing a consumer and, based on the input data, determine a spending limit for the consumer. The computer system may also receive from the computer device an indication of a good selected by the consumer. Based on data describing the good, the computer system may determine whether the good is transaction eligible. When the good is transaction eligible, the computer system may transmit to the computer device an indication of terms of the rent-to-own transaction, such as a periodic payment due under the rent-to-own transaction. When the terms are accepted by the consumer, the computer system may instruct a fulfillment computer to direct the good to the consumer.
    Type: Grant
    Filed: June 2, 2014
    Date of Patent: October 2, 2018
    Assignee: FLEXSHOPPER, INC.
    Inventors: Brad Bernstein, Justin Metzl, Andres Galindo
  • Patent number: 10089396
    Abstract: A mobile device application is provided with a dynamic interface for capturing vehicle data. Using a captured VIN number, decoded particulars of the vehicle can be retrieved, together with other particulars from third party databases. Fields of a data capture form are pre-populated with this retrieved data as well as user input in text and multimedia formats. The unfilled fields are presented to the user through an interface in a staged format, showing only relevant unfilled fields. This is reconfigured dynamically (to show more or less fields) as the data is entered/retrieved. The application may use distinct text entry and multimedia entry modes, which may be guided (e.g. with visual cues for photo/video capture). A related method is also provided.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: October 2, 2018
    Assignee: NthGen Software Inc.
    Inventors: Mark Endras, Hon-Wai Chia
  • Patent number: 10089671
    Abstract: A method and a system segmenting a user viewing listings in online publications to render the listing according to a rule received from a seller. For example, the system receives one or more listings submitted by a seller. The listing comprises one or more modifiable parameters. The system also receives a rule from the seller, the rule associated with a first listing of the one or more listings. A profile is associated with a user based on data collected about the user. The first listing is rendered to the user based on the profile associated with the user and the rule by modifying the one or more parameters.
    Type: Grant
    Filed: December 19, 2013
    Date of Patent: October 2, 2018
    Assignee: eBay Inc.
    Inventors: Mihir Mehta, Srinivasa Raghavan Ambikapathy, Monica Swamiraj, Kumaresan Manickavelu, Harishankar Nagarajan, Badrinarayanan Ramaswami
  • Patent number: 10089703
    Abstract: Land use rights management where land use rights are represented as bounded space, and portions of rights are represented as portions of whole rights. The portions are specifically designated subspaces within the bounded space. Rights or ownership interests can be determined by a set or array of interests as indicated by separate computer objects. Conveyances that indicate a split of rights causes the generation of multiple separate interests. Conveyances that indicate a merger of rights can cause the generation of a merged interest where rights from multiple sources can be combined in one interest as indicated by a single computer object. The merged interest can reduce the number of individual rights in the set to enable the computer to perform more efficient computation of ownership interests.
    Type: Grant
    Filed: May 1, 2018
    Date of Patent: October 2, 2018
    Assignee: CHAINLINK TECHNOLOGIES
    Inventors: Ashley A. Gilmore, David L. Dewey, Robert Anderson, Gerald Gilmore
  • Patent number: 10089664
    Abstract: Aspects and examples are disclosed for facilitating and signaling market transactions between providers of products or services and clients that consume or otherwise use the products and services. In one example, a processing device of a server system receives, via a data network, data from a computing system describing attributes of a client that uses the computing system. The processing device can verify at least some of the received data to generate a client profile for the client. Based on verifying the data in the client profile, the processing device can notify one or more providers of a product or service that the client is interested in the product or service. Notifications to providers of the product or service can maintain the anonymity of the client. Notifications to the providers can also identify a client type, the client's propensity to purchase or access certain products or services, etc.
    Type: Grant
    Filed: May 7, 2014
    Date of Patent: October 2, 2018
    Assignee: Equifax Inc.
    Inventors: Naser Hamdi, Eric Bloomquist, William Esterhuizen, Sterling Metz
  • Patent number: 10091230
    Abstract: Identity data for a user is aggregated from multiple sources into a global profile, the contents of which is distributed under the control of the user to trusted risk engines. The collected identity data is related to the user's use of online services provided by multiple independent service providers. The collected identity data is aggregated into a private, global profile. The user must authorize the portion(s) of the aggregated identity data that is/are distributed, and one or more trusted risk engines to which the aggregated identity data may distributed. The global profile may be distributed to individual trusted risk engines, further based on requests received from individual ones of the trusted risk engines.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: October 2, 2018
    Assignee: EMC IP Holding Company LLC
    Inventors: Salah Machani, Kayvan Alikhani, Lawrence N. Friedman, Christopher Clifton McLaren, Marcelo Blatt
  • Patent number: 10091008
    Abstract: A method and apparatus advantageously consider historic usage data in determining the credit reservations made against subscriber accounts during online charging operations. In particular, with respect to a communication between first and second parties that is subject to online charging, the method and apparatus use historic usage data associated with at least one of the first and second parties, to determine credit reservations against an involved subscriber account. This approach makes the credit reservation better reflect the usage pattern or history of one or both parties. In some embodiments, the historic usage data is generalized with respect to the called or contacted party. In other embodiments, the historic usage data is generalized with respect to the calling or contacting party. In still other embodiments, the historic usage data is particularized to reflect a historic usage pattern of communication between the first and second parties.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: October 2, 2018
    Assignee: Telefonaktiebolaget LM Ericsson (publ)
    Inventors: Nipun Sharma, Robert Törnkvist
  • Patent number: 10083440
    Abstract: In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.
    Type: Grant
    Filed: March 18, 2015
    Date of Patent: September 25, 2018
    Assignee: SKYPE
    Inventors: Siim Viidu, Edith Coenen, Andres Kutt, Kristen Ondeck
  • Patent number: 10083483
    Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.
    Type: Grant
    Filed: January 9, 2013
    Date of Patent: September 25, 2018
    Assignee: Bank of America Corporation
    Inventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
  • Patent number: 10083486
    Abstract: An electronic trading system implements collar protection for received marketable orders. A collar price is determined based on best bid and offers prices or the price of a recently executed trade. Orders matched at prices worse than the collar price (from the perspective of the marketable order) are not allowed to execute. When execution of orders is halted, a collar timer runs. When the collar timer exceeds a time threshold, the collar price is modified based on a collar move parameter. The collar move parameter may be modified when the reset collar timer subsequently exceeds the time threshold.
    Type: Grant
    Filed: December 22, 2014
    Date of Patent: September 25, 2018
    Assignee: NYSE Group, Inc.
    Inventor: Amy Joy Farnstrom
  • Patent number: 10083415
    Abstract: Multi-variable assessment systems and methods that evaluate and predict entrepreneurial behavior are provided herein. Methods include obtaining entrepreneur data related to personal skills data, business history data, and social network data for the entrepreneur across a plurality of network modalities, the plurality of network modalities including social networks, phone records, and message records, determining business event information for business events identified between the entrepreneur and contacts of the entrepreneur found in the entrepreneur data, and performing a dynamic measurement of engagement between the entrepreneur and the contacts by looking for contacts between the entrepreneur and the contacts that cross the plurality of network modalities, wherein the dynamic measurement includes an entrepreneur score for the entrepreneur.
    Type: Grant
    Filed: March 27, 2015
    Date of Patent: September 25, 2018
    Assignee: Kountable, Inc.
    Inventors: Christopher Hale, Craig M. Allen, Catherine Nomura
  • Patent number: 10080215
    Abstract: This specification describes a method comprising generating a first packet based on user plane data relating to a single user which is output by a first L1 PHY processing stage, the first packet including a proper subset of the user plane data which is to be transmitted to the user equipment during a first time-slot symbol; passing the first packet to a second L1 PHY processing stage across a split fronthaul interface in a first time period having a duration corresponding to a duration of transmission of the first time-slot symbol; and passing one or more subsequent packets including the remainder of the user plane data across the split fronthaul interface in one or more successive time periods which are immediately subsequent to the first time period.
    Type: Grant
    Filed: August 5, 2016
    Date of Patent: September 18, 2018
    Assignee: Nokia Technologies Oy
    Inventors: David Chen, Alan Rottinghaus, David Baietto, Yuda Luz