Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10028116
    Abstract: Examples of the disclosure enable a plurality of applications to be managed. Some examples include a mobile device that receives a template associated with an application, captures one or more user interactions with the application, and determines one or more user interests by comparing the one or more user interactions with a plurality of entities included in the template. Examples of the disclosure enable the mobile device to analyze the user interactions to provide valuable information about user interest, preference, and/or intent and provide tailored services to a user.
    Type: Grant
    Filed: February 10, 2015
    Date of Patent: July 17, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Oriana Riva, Suman Kumar Nath, Douglas Christopher Burger, Earlence Fernandes
  • Patent number: 10026123
    Abstract: A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two products have an 80% correlation they each would be assigned an offset of 80% with respect to each other. However, it is desirable to allow for asymmetrical offsets. In the disclosed system and method, when two products have a correlation of 80%, one may be assigned an offset of 75% and the other may be assigned an offset of 80%. There are many reasons to vary the offset between the products. The varying offset may reflect an asymmetry in the risk in one of the products, such as being traded in an illiquid market or in a less desirable venue. The varying offset may correct for an imbalance in spread credits due to special charges from intra spreading.
    Type: Grant
    Filed: October 2, 2013
    Date of Patent: July 17, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Dmitriy Glinberg, Tae S. Yoo, Dale A. Michaels, Edward Gogol
  • Patent number: 10026128
    Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VOLATILITY EXPIRATION INDEX PLATFORM (“VEIP”) transforms user and market data inputs via VEIP components into Vol Ex Index publication and Vol Ex Index instrument communications outputs. A current reference security price may be determined for a reference security. A plurality of option strike prices may be derived from the current reference security price. Implied volatility and delta may be determined for options associated with each derived option strike price and used to calculate a delta-weighted implied volatility for each derived option strike price. A weighting for each derived option strike price may be determined and used along with the delta-weighted implied volatilities to calculate a volatility expiration index value for the reference security. Using the volatility expiration index value, a volatility expiration index financial instrument may be generated and introduced into a financial instrument exchange market.
    Type: Grant
    Filed: August 10, 2011
    Date of Patent: July 17, 2018
    Assignee: NYSE Group, Inc.
    Inventors: Michael G. Babel, Thomas E. Heebner
  • Patent number: 10026124
    Abstract: Systems, methods and user interfaces are provided for order matrix management and highlighting. Market data may be arranged in a matrix where the market data may be highlighted and/or otherwise presented to provide further information to a user. In some cases a computer system may include a computer-readable medium containing computer-executable instructions that, when executed by one or more processors, cause a computing device to receive market data for a financial instrument. The computer system may further process instructions to identify pending orders that may result in a cross trade, such as with trades entered by a trader or between members of a same business organization. The computer system may further process instructions that cause the computer system to generate a user interface that highlights which of the pending orders that may result in a cross trade.
    Type: Grant
    Filed: June 17, 2014
    Date of Patent: July 17, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: James David Russell Barry
  • Patent number: 10026121
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to present a video. One of the methods includes obtaining settlement information for a user. One of the methods includes selecting non-personalized content, at least some of the non-personalized content selected based on the settlement information. One of the methods includes generating a user specific video using the settlement information and the selected non-personalized content. One of the method includes providing the user specific video to the user.
    Type: Grant
    Filed: June 26, 2015
    Date of Patent: July 17, 2018
    Assignee: United Services Automobile Association (USAA)
    Inventors: Rickey Dale Burks, Justin Sachtleben, Mark Plummer, Emily Margaret Gray, Carlos Winston Wilkinson, Judy M. Cotter
  • Patent number: 10023062
    Abstract: A device includes a processor configured to execute one or more instructions stored in a memory to receive an electrical vehicle (EV) location profile having information regarding movement of an EV between a first and a second charging location of an electrical network. The processor is also configured to apply an EV mobility model to the EV location profile to determine an optimized schedule for the EV to charge or discharge a storage cell of the EV at the first or second charging locations during a scheduling period. The EV mobility model comprises constraints that describe interactions of the EV with the electrical network.
    Type: Grant
    Filed: January 10, 2012
    Date of Patent: July 17, 2018
    Assignee: General Electric Company
    Inventor: Taehyen Kang
  • Patent number: 10022632
    Abstract: A computer game system in which real-world financial investment by the player of the computer game is incentivized, and such real-world financial investment is realized as a secondary benefit of game play.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: July 17, 2018
    Inventors: Alexander McAdoo, Matthew Nemec
  • Patent number: 10026119
    Abstract: A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account.
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: July 17, 2018
    Assignee: GOOGLE LLC
    Inventors: Travis Harrison Kroll Green, Narelle Cozens, Peter Schmitt, Michael DePasquale, Avery Pennarun, Boris Mizhen
  • Patent number: 10026086
    Abstract: The present invention provides an account processing method, apparatus system and server for providing an alert message, and relates to the field of computer technology. The method is for use in a server processing a first account, the method comprising: determining whether the first account meets a processing condition; if the first account meets the processing condition, freezing all information related to the first account; and providing an alert message based on the processing condition to a second account associated with the first account. The embodiments of the present invention comprise, after determining that the first account meets a processing condition, freezing all of the information associated with the first account and displaying an alert message to the second account associated with the first account.
    Type: Grant
    Filed: May 23, 2013
    Date of Patent: July 17, 2018
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Wen Zha, Hui Wang
  • Patent number: 10025980
    Abstract: Aspects of the present invention include a method, system and computer program product. The method includes a method includes selecting a chart, and interpreting contents within the selected chart. The method also includes searching for additional sources of information, and extracting information from the additional sources of information. The method further includes combining the interpreted chart contents with the extracted information, and generating a textual description of the selected chart.
    Type: Grant
    Filed: December 29, 2015
    Date of Patent: July 17, 2018
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Ana P. Appel, Paulo R. Cavalin, Vagner F. Santana
  • Patent number: 10026066
    Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. Also included are a plurality of physical system resource interfaces for interfacing with available physical system resources. The physical system resources allow a user to gain access to the predetermined desired services. The system further includes a data store for storing configuration information for enabling the operating system to interface with the available physical system resources through the physical system resource interface associated therewith.
    Type: Grant
    Filed: May 15, 2014
    Date of Patent: July 17, 2018
    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: 10026088
    Abstract: A method includes receiving, from a payment intermediary, a request for approval of a card-not-present payment transaction between a customer and a merchant. The request for approval includes transaction details indicative of a credit account of the customer. The credit account established at an issuing institution. The method also includes transmitting the request for approval to the issuing institution. The method further includes receiving an authorization response from the issuing institution, the authorization response indicative of whether the card-not-present payment transaction is approved. The method additionally includes transmitting the authorization response to a terminal of the merchant, the request for approval not originating from the terminal.
    Type: Grant
    Filed: April 15, 2014
    Date of Patent: July 17, 2018
    Assignee: CA, Inc.
    Inventor: Tarun Agrawal
  • Patent number: 10026117
    Abstract: Issuers of electronic payment instruments can bid or submit competing offers to consumers in real-time during a transaction to influence consumers selecting their electronic payment instruments to complete a pending electronic transaction. Requests for bids, issuer responses with offers or proposed terms (e.g., annual percentage rate, miles, points, cash back, etc.), analysis of competing issuer offers, and selection of an electronic payment instrument based on the offer analysis occur in real-time such as while the consumer is at an electronic payment device of a merchant. An electronic payment instrument may be selected for the consumer, e.g., the instrument associated with an offer that confers the greatest benefit to the consumer compared to other offers, or the offer data can be presented to the consumer such as in the form of a ranking or list so that the consumer can select the electronic payment to be utilized to complete the transaction.
    Type: Grant
    Filed: October 28, 2011
    Date of Patent: July 17, 2018
    Assignee: INTUIT INC.
    Inventors: Eran Arbel, Boris A. Fedorov
  • Patent number: 10019468
    Abstract: Methods and systems for processing and integrating data. A data file containing data describing a source transaction, associated with an identifier, is received. A type of the source transaction is identified based on a key indicator associated with the data file. The data contained in the data file is mapped to an object model based on the type of the source transaction identified. Output transaction objects are created by processing the data contained in the data file, mapped to the object model, using business rules. The business rules are selected based on a type of the object model. The output transaction objects are received and matched to the source transaction. A target system to receive the output transaction objects is identified based on the identifier associated with the data file.
    Type: Grant
    Filed: February 22, 2013
    Date of Patent: July 10, 2018
    Assignee: Nationwide Mutual Insurance Company
    Inventors: David Day, Carey Nash
  • Patent number: 10019904
    Abstract: Systems and methods are disclosed for identifying high risk parking lots. High risk parking lots may be, for example, parking lots that pose a higher than average risk of collisions and/or theft. Auto insurance claim data may be analyzed to identify hazardous areas. A virtual navigation of roads within the hazardous area may be identified. Public parking lots within the virtual navigation map may be defined, with each public parking lot determined as either in a hazardous area or not. A vehicle may be determined to be approaching or parking in a parking lot in a hazardous area, and a nearby public parking lot not associated with the hazardous area may be selected instead. A route from a current position to the nearby public parking lot may be generated, and the vehicle may be routed to the nearby public parking lot. As a result, collisions and thefts may be reduced.
    Type: Grant
    Filed: April 7, 2017
    Date of Patent: July 10, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Leo Nelson Chan, Kristopher Keith Gaudin, Roxane Lyons, William J. Leise, John A. Nepomuceno, Rajiv C. Shah, Edward P. Matesevac, III, Jennifer Criswell Kellett, Steven C. Cielocha, Jeremy Myers, Matthew S. Megyese, Jennifer L. Crawford
  • Patent number: 10019519
    Abstract: Disclosed are methods and systems to utilize entities from global collections in software applications. An example method comprises providing an application to receive a search request for entities within a global collection, displaying retrieved records, receiving user input including a selected entity, and copying data from a selected entity into a non-global collection of data. Another method comprises displaying a pictorial graphic depicting a business card, and synchronizing the graphical elements with a global entity record. Examples of systems generally comprise a data storage, a server, a first application configured to receive first user input and insert user input into a global collection of entities, a second application configured to display data associated with at least one entity record from a global collection of entity records, receive second user input, and copy data associated with a selected global entity record to a non-global collection of entities.
    Type: Grant
    Filed: October 30, 2013
    Date of Patent: July 10, 2018
    Inventor: Gordon E. Seay
  • Patent number: 10013244
    Abstract: An apparatus duplicates a process code of a variadic template function that has a variable number of parameters in a source code, in association with each of actual arguments in an actual-argument list corresponding to a variadic parameter defined by a variadic operator that packs the variable number of parameters of the variadic template function. The apparatus substitutes another parameter in each duplicated process code with a prepared parameter that accepts the actual argument associated with the each duplicated process code. The apparatus firstly inserts, into a recursive call part in a process code of the variadic template function, a first duplicated process code that is associated with an actual argument at a head of the actual-argument list, and repeats inserting, into a recursive call part in the previously inserted duplicated process code, a next duplicated process code associated with a subsequent actual argument.
    Type: Grant
    Filed: April 12, 2017
    Date of Patent: July 3, 2018
    Assignee: FUJITSU LIMITED
    Inventor: Masahiro Arakawa
  • Patent number: 10013237
    Abstract: Techniques described herein relate to automated approval of resource requests. More specifically, resource request data is retrieved, identified, processed and aggregated to automate approval of the request.
    Type: Grant
    Filed: October 10, 2016
    Date of Patent: July 3, 2018
    Assignee: NCINO, INC.
    Inventor: Nathan Snell
  • Patent number: 10013682
    Abstract: Backup and restore of digital data may utilize online social network parameters of a user to determine a number of parts into which to divide digital data and distribute the parts. A list of friends from the social network friends may be selected, e.g., based on a relationship to the user in the social network, to store the parts. The parts may be stored in a friend's device memory, each of the parts stored with a different friend. The digital data may be reconstructed by obtaining a threshold number of parts from the friends.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: July 3, 2018
    Assignee: International Business Machines Corporation
    Inventors: Silvia C. S. Bianchi, Alan Braz, Heloisa Caroline de Souza Pereira Candello, Claudio S. Pinhanez
  • Patent number: 10013724
    Abstract: In one embodiment, a first computing device of a first user of a social-networking system may acquire a tag associated with a second computing device of a second user of the social-networking system, and process the tag for user information comprising a time stamp, a signature, and a social action associated with the social-networking system. The first computing device of a first user may send the information to a computing device of the social-networking system for verification of the user information of the second user. In addition, the first computing device of the first user may receive, in response to the verification, instructions for initiating the social action. The social action as initiated may include a transaction between the at least one node corresponding to the first user and the at least one node corresponding to the second user.
    Type: Grant
    Filed: July 26, 2016
    Date of Patent: July 3, 2018
    Assignee: Facebook, Inc.
    Inventor: Niv Seker
  • Patent number: 10007951
    Abstract: Systems, methods, and computer-readable media in accordance with various embodiments of the present invention facilitate storing and displaying, in a trending analysis graphical user interface, of data for each execution of the underlying metric data alongside the date for which the metric was run. As the metrics are run, calculations may also take into account user setup (role access) for the assets for which they have control to view. Additional run control parameters could be set, for example for managing reconciliation discrepancies, to control whether or not to include exceptions that have been ignored by the user.
    Type: Grant
    Filed: July 28, 2010
    Date of Patent: June 26, 2018
    Assignee: ORACLE INTERNATIONAL CORPORATION
    Inventors: Jason A. Alonzo, John L. Yee, Umesh M. Apte
  • Patent number: 10009338
    Abstract: An illustrative method according to a set of instructions stored on the memory of a computing device includes receiving, by a processor of the computing device, a request for information from a requestor device during a real time communication between a sender device and a communication device associated with the requestor device. The method also includes sending, by the processor, the request for information to the sender device during the real time communication. The method also includes receiving, by the processor, from the sender device, a granted request for information including data requested in the request for information. The granted request for information is authorized by the sender device. The granted request for information is received during the real time communication. The method also includes sending, by the processor, the granted request for information to the requestor device during the real time communication.
    Type: Grant
    Filed: February 12, 2016
    Date of Patent: June 26, 2018
    Inventor: Stephen James Van de Wetering
  • Patent number: 10007953
    Abstract: In some examples, a service provider may provide a payroll service and a payment processing service to businesses. For instance, with authorization from the employer, the service provider may withhold a percentage of funds received as sales revenue through the payment service. For example, the service provider may withhold a percentage of sales revenue each day to be used to pay at least a portion of the payroll payments paid to employees of the employer. Alternatively, the service provider may determine an amount of payroll payments currently due to be paid on a given day, and may deduct at least a portion of this amount from the sales revenue of the employer for that day. As another alternative, the service provider may make payroll payments in advance, and may withhold a percentage of the employer's daily sales revenue until the cash advance is paid back.
    Type: Grant
    Filed: July 17, 2014
    Date of Patent: June 26, 2018
    Assignee: Square, Inc.
    Inventors: Amir Nathoo, James Colin Brady, Anish Bhatt
  • Patent number: 10002389
    Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.
    Type: Grant
    Filed: November 27, 2017
    Date of Patent: June 19, 2018
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 10003609
    Abstract: Various embodiments of the present technology include methods of assessing risk of a cyber security failure in one or more computer networks for an entity. Various embodiments include establishing a plurality of proxy connections with entity resources, evaluating performance of the proxy connections, and scoring the proxy connections based on performance. Various embodiments may further include automatically determining, based on the proxy score, a change or setting regarding the proxy connections. Various embodiments may also include automatically recommending, based on the assessed risk, computer network changes for the one or more computer networks to reduce the assessed risk. Some embodiments may include providing recommended computer network and/or policy changes to reduce the assessed risk, determining the entity has enacted some recommended network changes, and in response, automatically reassessing the risk of a cyber security failure based on the enacted recommended computer network changes.
    Type: Grant
    Filed: December 8, 2016
    Date of Patent: June 19, 2018
    Assignee: Guidewire Software, Inc.
    Inventors: George Y. Ng, Don Ma, Yuen Tsing Ooi, Feiyin Zhang, Fernando Tancioco, Jr.
  • Patent number: 10002352
    Abstract: Embodiments are directed to reducing digital wallet exposure. Embodiments determine that a potential exposure associated with a first payment credential associated with a digital wallet has been detected; determine that the digital wallet has at least one additional associated payment credential; and, in response to determining the potential exposure has been detected and determining that the digital wallet has at least one additional associated payment credential, initiate at least one exposure reduction measure intended to reduce potential exposure to the at least one additional associated payment credential.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: June 19, 2018
    Assignee: Bank of America Corporation
    Inventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
  • Patent number: 10002398
    Abstract: The present disclosure relates to a system that facilitates real estate transactions by preventing listing agents from eliminating standing offers. In one embodiment, the system comprises a non-transitory computer-readable storage device including instructions, which when executed by a processor of the computing device, cause the computing device to receive selling information of a real estate from a seller or the seller's agent from a website or a mobile application, display the selling information to the plurality of users who enter search information that matches the real estate via the website or the mobile application, receive an offer from a buyer or the buyer's agent via the website or the mobile application, send a notification to the seller and seller's agent instantly and simultaneously about the offer through the website or the mobile application or both, and receive acceptance for the offer or a counteroffer from the seller or seller's agent or buyer and buyer's agent.
    Type: Grant
    Filed: September 27, 2017
    Date of Patent: June 19, 2018
    Inventor: Jilla Gila Isaacson
  • Patent number: 9996827
    Abstract: A parking request text message is transmitted from a user mobile phone to a billing server and is forwarded to a parking server. The parking server makes a charge API call to the billing server, including a custom text, an amount to be billed and a msisdn of the mobile phone. The billing server charges an account at a carrier server corresponding to the msisdn, receives a charge confirmation from the carrier server, transmits a billing result to the parking server, and sends a confirmation text message to the user mobile phone with the custom text. The parking server updates a parking data structure to indicate that parking has been allotted based on a parking identification in the parking request text message.
    Type: Grant
    Filed: September 10, 2013
    Date of Patent: June 12, 2018
    Assignee: Boku, Inc.
    Inventors: Katherine Ann Corner, Wellington W. Sculley, Oliver J. McCarthy-Foecke, Chia-ling Sung, John Ly, Samantha Elena Nebrich
  • Patent number: 9998486
    Abstract: Systems and computer-readable media are disclosed for utilizing one or more databases to detect a point of compromise (“POC”). A POC detection computing platform may receive data associated with a potential point of compromise from a first computing system. The POC detection computing platform may extract data associated with the potential point of compromise from one or more central servers and/or databases. The extracted data may then be analyzed to determine if a point of compromise has been detected. The POC detection computing platform may transmit the results of the analysis to a second computing system.
    Type: Grant
    Filed: February 11, 2016
    Date of Patent: June 12, 2018
    Assignee: Bank of America Corporation
    Inventors: Kolt Bell, Brandon Weeks, Alvino Sarran, Michael Ayers-Morris, Alex Stapleton, Craig D. Widmann, John Tuders, Amijo Bearley
  • Patent number: 9996885
    Abstract: A system and method to facilitate providing vehicle insurance services includes providing a specialty vehicle data identifier template for facilitating translation of a vehicle data identifier used to identify a vehicle, the specialty vehicle data identifier template including a plurality of segments, each segment of the plurality of segments representative of a vehicle attribute; receiving a request of a database for vehicle attribute data based on a search term, identifying each vehicle data identifier stored in the database including vehicle attribute data that substantially matches at least a portion the search term, compiling an output including any identified vehicle data identifier, and providing the output in an accessible format in response to the request for information.
    Type: Grant
    Filed: August 31, 2015
    Date of Patent: June 12, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Christina P. Mullen, William J. Leise, Douglas Albert Graff
  • Patent number: 9995584
    Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze acceleration data corresponding to driving data, analyze the acceleration data, and determine driving patterns and associated drivers based on the data. Acceleration data may be collected by one or more mobile devices, such as smartphones, tablet computers, and/or on-board vehicle systems. Drivers associated with driving trips may be identified based on the acceleration data collected by the mobile devices. In some cases, driving patterns may be determined based on the acceleration data before and after stopping points during driving trips, and the driving patterns may be compared to a set of previously stored driving patterns associated with various different drivers.
    Type: Grant
    Filed: January 10, 2014
    Date of Patent: June 12, 2018
    Assignee: Allstate Insurance Company
    Inventor: Valery Alexander Kanevsky
  • Patent number: 9996837
    Abstract: Embodiments of the present invention are directed to methods and systems for performing a secure authentication process by leveraging the historical transaction data associated with an issuer. The historical transaction data stored at a fraud detection system may include the types of frequency of past authentication processes performed by the issuer, allowing for a determination of the likelihood of an authentication challenge process being applied to a current transaction. A merchant may define merchant rules that define what authentication process, if any, should then be applied to the current transaction based on the likelihood of an authentication challenge process being applied to the current transaction.
    Type: Grant
    Filed: June 8, 2015
    Date of Patent: June 12, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Cory Siddens, Craig O'Connell, Scott Boding
  • Patent number: 9990675
    Abstract: Certain embodiments provide a method for trading in an electronic trading environment including receiving market data relating to a plurality of tradeable objects; sending a order to an exchange for the first tradeable object at a quoted price; receiving a fill confirmation for the quoting order at a filled price; determining a difference between the quoted price and the filled price; determining a hedge price for each of the plurality of tradeable objects other than the first tradeable object based at least in part on the difference and at least one multiplier associated with at least one leg of the trading strategy; and sending hedge orders for each of the plurality of tradeable objects other than the first tradeable object at the corresponding hedge price. The plurality of tradeable objects includes at least a first, second, and third tradeable object, which are traded as legs of a trading strategy.
    Type: Grant
    Filed: July 17, 2014
    Date of Patent: June 5, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Sagy Pundak Mintz, Michael J. Burns
  • Patent number: 9990496
    Abstract: A device may receive a password-protected file to be accessed for analysis. The device may identify a contextual term, associated with the password-protected file, to be used as a password to attempt to access the password-protected file. The contextual term may be identified based on at least one of: metadata associated with the password-protected file, metadata associated with a source from which the password-protected file is received, or text associated with the source from which the password-protected file is received. The device may apply the contextual term as the password to attempt to access the password-protected file.
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: June 5, 2018
    Assignee: Juniper Networks, Inc.
    Inventors: Kyle Adams, Jacob Asher Langton, Daniel J. Quinlan
  • Patent number: 9990661
    Abstract: The present disclosure systems and methods for providing a repair quote for a car including damage associated with a user. The system is configured to receive information from a user, such as photos of a damaged car, wherein the system generates and/or retrieves the repair quote associated with repairing the damage. As a result, the user does not need to physically take the damaged car to an automobile repair company to retrieve a repair quote.
    Type: Grant
    Filed: March 27, 2015
    Date of Patent: June 5, 2018
    Inventor: Ryan Taylor
  • Patent number: 9992077
    Abstract: In one embodiment, the present invention can be used to efficiently allocate on-demand resources to a customer of a data center such as a multi-tenant data center having resources dedicated to given customers, as well as on-demand resources that can be flexibly provisioned to customers using a performance zone concept realized via logical switches to present a single logical network to the customer.
    Type: Grant
    Filed: March 11, 2015
    Date of Patent: June 5, 2018
    Assignee: Rackspace US, Inc.
    Inventors: Erik V. Carlin, Brad K. McConnell
  • Patent number: 9990639
    Abstract: A system for rental fraud detection comprises an input interface, a feature vector extractor, a model builder, and a predictor. The input interface is to receive a set of training data, wherein the set of training data comprises a set of rental fraud indications and to receive a set of prediction data. The feature vector extractor is to extract a first training set of feature vectors from the set of training data and to extract a first test feature vector from the set of prediction data. The model builder is to build a first model using the first training set of feature vectors and the rental fraud indications. The predictor is to predict whether the first test feature vector corresponds to fraudulent data using the first model.
    Type: Grant
    Filed: December 2, 2014
    Date of Patent: June 5, 2018
    Assignee: Trulia, LLC
    Inventors: Joseph Kong, Abhinav Kulkarni, Todd Holloway
  • Patent number: 9990627
    Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.
    Type: Grant
    Filed: September 13, 2013
    Date of Patent: June 5, 2018
    Assignee: CARDINALCOMMERCE CORPORATION
    Inventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
  • Patent number: 9984150
    Abstract: A method and system analyze data associated with a marketplace category. In some embodiments, a query is received that identifies a marketplace category from multiple marketplace categories associated with an electronic commerce marketplace. Data associated with the marketplace category is accessed and analyzed to identify multiple keywords used to identify listings in the marketplace category. A user interface is generated to display the analysis results, including at least a portion of the multiple keywords used to identify listings in the marketplace category.
    Type: Grant
    Filed: March 25, 2011
    Date of Patent: May 29, 2018
    Assignee: eBay Inc.
    Inventors: Nishith Parikh, Neelakantan Sundaresan, Zeqian Shen, Chi-Hsien Chiu
  • Patent number: 9984241
    Abstract: A method, an apparatus, and a system for data protection. A specific solution is: a proxy server receives outgoing data from a user terminal, where the outgoing data carries an identifier of a user; acquires a user grade and a credit value of the user from a credit server according to the identifier, where the credit value is a violation percentage of historical outgoing data of the user; sends the outgoing data, the user grade, and the credit value to a DLP server so that the DLP server inspects security of the outgoing data according to the user grade and the credit value, and further generates a message including an inspection result; and receives, from the DLP server, the message including the inspection result and uses a policy corresponding to the inspection result to process the outgoing data. The present invention is used during a protection process of outgoing data.
    Type: Grant
    Filed: August 26, 2015
    Date of Patent: May 29, 2018
    Assignee: HUAWEI TECHNOLOGIES CO., LTD.
    Inventor: Wei Jin
  • Patent number: 9984368
    Abstract: A method of managing a compromised account stored within an electronic wallet is provided. The electronic wallet is stored on a user computing device and is in communication with a compromised account management (CAM) computing device. The method is implemented using the CAM computing device in connection with a memory. The method includes the step of receiving, from the user computing device via a compromised reporting function, a first notification message including a first account identifier, wherein the first notification message indicates that a first account associated with the first account identifier has been compromised. The method also includes determining an issuer associated with the first account identifier. The method further includes generating a second notification message including the first account identifier and an issuer identifier. The method also includes transmitting the second notification message to the issuer.
    Type: Grant
    Filed: July 6, 2015
    Date of Patent: May 29, 2018
    Assignee: MasterCard International Incorporated
    Inventors: Edward Kenneth McCandless, Frederick Joseph Zarf, IV, Steven J. Schmidt
  • Patent number: 9984382
    Abstract: An embodiment of the invention comprises a method and apparatus for performing collective validation of credential information. The invention has applicability in industries that require sales agents or those related to the distribution of a certain product to be credentialed (e.g., licensed and/or appointed) when selling certain products (e.g., life insurance, etc. . . . ). For example, in order to sell some financial instruments sales representatives must meet state and/or federal licensing requirements. Embodiments of the invention provide a way to ensure that sales representatives operate within any regulatory constraints put in place by government or any other organization. Companies may, for instance, utilize embodiments of the invention to ensure that sales representatives operate within a set of defined constraints. One aspect of the invention provides a method for validating sales agents' credentials while processing the sales transaction data to determine commission amounts.
    Type: Grant
    Filed: May 14, 2015
    Date of Patent: May 29, 2018
    Assignee: Versata Development Group, Inc.
    Inventor: Shari Gharavy
  • Patent number: 9984406
    Abstract: Disclosed are various embodiments for displaying content. A display area includes multiple information regions presenting content. Visual characteristics associated with the information regions adjust according to values corresponding to the to the information regions. For example, the sizes or positions of the information regions may adjust according to the values.
    Type: Grant
    Filed: June 3, 2015
    Date of Patent: May 29, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Sunil Singh Parihar, Stefan M. Haney, Tobin J. Weldele, Alexander Hristov, John E. Darrow, Stuart Ross Hobbie, Dylan Nooney
  • Patent number: 9986435
    Abstract: Examples include autonomously authenticating a financial transaction, on behalf of the user, without interacting with the user, via wireless communication link. In various embodiments, the user's cellular phone may be configured to process a message that provides at least partial service context and autonomously authenticate the financial transaction.
    Type: Grant
    Filed: October 16, 2015
    Date of Patent: May 29, 2018
    Assignee: EMPIRE TECHNOLOGY DEVELOPMENT LLC
    Inventors: Miodrag Potkonjak, Nathan Beckmann
  • Patent number: 9985921
    Abstract: A user interface (UI) may be provided that allows a user to connect a first identity in a first social community to another identity in another social community by allowing the user to specify the first identity and another identity. Responsive to a user utilizing the UI, the user may be presented with an option to identify connections in the first social community according to a criteria with members associated with another identity in said another social community. A list of identified connections may be presented.
    Type: Grant
    Filed: April 24, 2015
    Date of Patent: May 29, 2018
    Assignee: International Business Machines Corporation
    Inventors: Mustansir Banatwala, David A. Brooks, Maureen G. Leland
  • Patent number: 9984414
    Abstract: A system for facilitating freight transactions that includes a secure portal for receiving users' (carriers, forwarders, shippers, and market makers) data that includes orders and capacity postings between destinations. The system also includes a back-end modules configured for collecting capacity/shipping volume data to generate forecast data, managing derivative contracts, determining best possible routing given the orders and capacity postings, breaking the best possible routing into component segments that is then traded as derivative contracts, providing report, managing settlement and clearinghouse functions, and receiving risk assessment about the forecast data. The system further includes an interface layer for facilitating communications between the portal and the back-end modules. The system moreover includes a contract and capacity management module configured for enabling the carriers and the forwarders to strategically position their capacity.
    Type: Grant
    Filed: August 5, 2013
    Date of Patent: May 29, 2018
    Inventors: Pierre L. Laurent, Petere Miner
  • Patent number: 9978028
    Abstract: Methods, apparatus, and communication systems for user management are provided. A batch operation request from a client is received. The batch operation request contains a first user identification (ID), a first user group ID, and a batch operation type ID. It is then determined whether a first user indicated by the first user ID has a batch operation authorization. When the first user is determined to have the batch operation authorization and according to a batch operation type indicated by the batch operation type ID, a batch operation is processed to users in a first user group indicated by the first user group ID or processed to users that request to join the first user group.
    Type: Grant
    Filed: March 5, 2015
    Date of Patent: May 22, 2018
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Bo Xu
  • Patent number: 9978048
    Abstract: A method and system for providing a connected sales associate service application via a mobile device. The application provides for an integrated platform upon which various tools for providing support to a sales associate are built. The application includes a database of information regarding the operation of a retail establishment, and a database of reference materials. The application provides a user interface for allowing several sales associate to access a central server for the retail establishment on multiple mobile devices. The user interface displays information regarding sales and inventory information and reference materials for products, such as user's manuals, which enable the sales associate to answer questions posed by customers. A sales associate can thus search for and find all store products which meet a customer's specifications.
    Type: Grant
    Filed: May 30, 2012
    Date of Patent: May 22, 2018
    Assignee: SEARS BRANDS, L.L.C.
    Inventors: Rafeh Masood, Gina Hoffmann
  • Patent number: 9978021
    Abstract: A system for database management and presentation processing of a graphical user interface includes a network interface interfacing with multiple data sources comprising internal systems and external systems, one or more processors, and an application service integration and communication layer to receive data including a live data feed. A data storage device stores schemas of data structures, and the data structures may include tables based on types and fields. The application service integration and communication layer normalizes and formats the live data feed according to the predetermined schemas, and stores the normalized and formatted procurement data in the database. A graphical user interface of true conditions assigned to procurement data in the live data feed is displayed.
    Type: Grant
    Filed: January 6, 2016
    Date of Patent: May 22, 2018
    Assignee: Accenture Global Services Limited
    Inventors: James Hoover, Jeffrey Scott Miller
  • Patent number: 9971634
    Abstract: The present invention is notably directed to systems and methods for detecting resource contention on a computerized system collocation of computer processes. Most basically, such methods comprise: monitoring data produced by each computer process of a set of computer processes co-located on the computerized system; detecting in the monitored data a change in a behavior of data produced by a given computer process of the set of computer processes; and throttling other computer processes of the set than said given computer process to detect potential resource contention at said given computer process. Such systems and methods advantageously apply to co-located virtual machines.
    Type: Grant
    Filed: September 25, 2015
    Date of Patent: May 15, 2018
    Assignee: International Business Machines Corporation
    Inventors: Robert Birke, Yiyu L. Chen, Martin L. Schmatz, Joel Vallone