Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 11328354
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for preapproving a loan. An example method includes receiving, from an online marketplace server device, a preapproval request provided by a user for a loan preapproval to purchase a first property. The example method further includes obtaining credit information associated with the user from a credit server device. The example method further includes generating a preapproval data structure based on the preapproval request and the credit information. The example method further includes generating a preapproval token based on the generated preapproval data structure. Subsequently, the example method includes transmitting the generated preapproval token to the online marketplace server device.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: May 10, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Ximing Zhao
  • Patent number: 11329879
    Abstract: One example method of operation may include determining a network mode of operation designated by a managing device communicatively coupled to a plurality of network devices, identifying whether one or more of the plurality of network devices are violating one or more compliance measures associated with the network mode of operation, and determining via the managing device whether to accept the network configuration or reject the network configuration based on whether one or more of the compliance measures are violated.
    Type: Grant
    Filed: February 4, 2020
    Date of Patent: May 10, 2022
    Assignee: Biamp Systems, LLC
    Inventor: Christopher Pane
  • Patent number: 11328309
    Abstract: Systems and methods for providing analytics data to payment facilitators and sub-merchants via a dynamic dashboard.
    Type: Grant
    Filed: March 20, 2018
    Date of Patent: May 10, 2022
    Assignee: Worldpay, LLC
    Inventor: Ali Sahibzada
  • Patent number: 11328350
    Abstract: A provider computing system associated with a provider institution includes a network interface configured to communicate data over a network, and a processing circuit. The processing circuit is configured to receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of a user issued by a payee, extract a first structure of computer-readable data from the image data, associate a first payee identification parameter with the first structure, determine that the first structure is stored in association with a verified payee at a payee database based on the first payee identification parameter, and in response to determining that the first structure is stored in association with the verified payee, update an account of the user to enable the user to utilize the user computing device to authorize a payment to the payee.
    Type: Grant
    Filed: January 8, 2018
    Date of Patent: May 10, 2022
    Assignee: Wells Fargo Bank, N. A.
    Inventor: Al Hecht
  • Patent number: 11328820
    Abstract: Systems and methods for medical intervention using machine learning techniques are provided. One or more embodiments include receiving data associated with a medical condition from a user. Based on the user, a patient profile is retrieved from a database. An intervention is determined for the medical condition based on a patient history provided as an input to a machine learning model that recommends interventions. The intervention is sent to a user device associated with the user. Changes are monitored in one or more health metrics associated with the user. The machine learning models are re-trained based on the monitored changes and the intervention.
    Type: Grant
    Filed: April 22, 2020
    Date of Patent: May 10, 2022
    Assignee: DOCTOR ON DEMAND, INC.
    Inventors: Kent Griffin, Alejandro Novoa, Andrew Chang, Travis Swientek, Greg Corey, Todd Kusterer
  • Patent number: 11328296
    Abstract: A distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.
    Type: Grant
    Filed: May 22, 2019
    Date of Patent: May 10, 2022
    Assignee: Worldpay, LLC
    Inventors: Matthew D. Ozvat, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel J. Ourada, Kevin Oliver
  • Patent number: 11328312
    Abstract: A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.
    Type: Grant
    Filed: July 31, 2019
    Date of Patent: May 10, 2022
    Assignee: Mastercard International Incorporated
    Inventors: Rahul Agrawal, Sudhir Gupta, Harsh Piparsaniya
  • Patent number: 11321632
    Abstract: Techniques are disclosed relating to classifying transactions using post-transaction information. Training architecture may be used to train a first classifier module using first data for a set of transactions as training data input, where the first data includes both pre-transaction information and post-transaction information for transactions in the set of transactions. During training of the first classifier module, in disclosed techniques, correct classifications for the transaction in the set of transactions are known. The training architecture, in disclosed techniques, generates respective weights for multiple transactions in the set of transactions based on classification outputs of the trained first classifier for the multiple transactions. In disclosed techniques, the training architecture trains a second classifier module, based on the generated weights, using second data for the set of transactions as training data input.
    Type: Grant
    Filed: November 21, 2018
    Date of Patent: May 3, 2022
    Assignee: PayPal, Inc.
    Inventors: Moein Saleh, Xing Ji, Shubhranshu Shekhar
  • Patent number: 11323446
    Abstract: Provided is an information processing device including a real name information acquisition unit that acquires real name information from a real name server that stores a user ID and personal information in association with the real name information. The information processing device further includes an anonymous information acquisition unit that acquires anonymous information from an anonymous server that stores an anonymous ID in association with the anonymous information. The information processing device further includes a screen generation unit that generates a display screen including the real name information and the anonymous information.
    Type: Grant
    Filed: March 3, 2020
    Date of Patent: May 3, 2022
    Assignee: SONY CORPORATION
    Inventors: Shinya Maruyama, Yuichi Kageyama, Atsushi Onoe
  • Patent number: 11321130
    Abstract: A computer-implemented method for deploying containers in a decentralized network computing environment includes: registering a predetermined amount of computing resources reserved by a plurality of computing devices for utilization as a worker node for running containers; receiving a request from a consumer node to provide services for deployment of a container workload; selecting at least a first computing device from the plurality of computing devices to serve as the worker node for deployment of the container workload; obtaining unidirectional control over a portion of the predetermined amount of computing resources reserved by at least the first computing device; and deploying the container workload on at least the first computing device. A corresponding computer system and computer program product are also disclosed.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: May 3, 2022
    Assignee: Kyndryl, Inc.
    Inventors: Parashuram T. Hallur, Siddalinga Aradhya, Radheyshyam Sharma Sharma, Hari Prasad S
  • Patent number: 11315179
    Abstract: A credit card recommendation system for recommending credit cards to a user can be based on the consumer's estimated monthly spend, estimated spend across a plurality of categories, and user credit data. The credit card recommendation system can filter credit cards based on a likelihood of approval for the user. The credit card recommendation can determine a reward valuation and an adjustment valuation by assessing user spend and the characteristics corresponding to the credit card. The credit card recommendation can train a model to score credit cards for users, and apply specific user data to the model to determine a credit card score particular to the user.
    Type: Grant
    Filed: November 15, 2019
    Date of Patent: April 26, 2022
    Assignee: ConsumerInfo.com, Inc.
    Inventors: Erik John Rehder, Elias John Tuma, Andrew Alexander Charles Scott, Rakesh Patel, Christine Marie Brueggeman
  • Patent number: 11315098
    Abstract: Based on detecting a selection, by a first user, of a group payment option on a merchant interface, the computer system launches a user selection user interface that includes one or more user selection interface elements that correspond to one or more users associated with the first user. Based on detecting a selection of one or users, the computer system launches a group payment user interface that includes one or more payment allocation user interface elements that corresponds to a payment allocation for the selected users. Based on detecting a confirmation of a first payment allocation plan, the computer system processes a payment for the purchase and further transmits invoices to the selected users which include an allocated payment amount.
    Type: Grant
    Filed: June 4, 2019
    Date of Patent: April 26, 2022
    Assignee: PAYPAL, INC.
    Inventors: Deborah Bluestone, Saloni Pujara, Brielle Harrison
  • Patent number: 11315181
    Abstract: An exchange computer system may compress price data associated with a financial product. The financial product may be, e.g., a type of futures contract, a type of option, a type of over-the-counter (OTC) forward, a type of OTC option, a type of security, or other type of financial product. The computer system may access data that indicates prices for a financial product at each of multiple times, generate data representing changes in prices, and stores codes representing that generated price change data. Price change categories may be identified for price changes corresponding to different times. Codes may then be selected based on the identified price change categories and stored. The stored codes may be used for price validation and/or other purposes.
    Type: Grant
    Filed: December 31, 2014
    Date of Patent: April 26, 2022
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Seo Wook Jang
  • Patent number: 11315153
    Abstract: A computerized system is provided for processing data in connection with systems for offering and sale of goods and services. In the computerized system, a server system provides for a seller device to provide item identification information and a minimum price. The server system makes the item identification information, and not the minimum price, available to one or more buyer user devices. Responsive to an indication of interest, the system provides the buyer user device with a series of sets of ranges of prices for selection, followed by a set of prices for selection. If the user selects a price from the set of prices above the minimum price, the difference between the minimum price and the selected price is allocated among buyer, seller, and server system, and a transaction proceeds.
    Type: Grant
    Filed: May 22, 2021
    Date of Patent: April 26, 2022
    Inventor: Karl Albert Van der Spiegel
  • Patent number: 11316862
    Abstract: A permissions management system is disclosed for enabling a user to securely authorize access to user accounts and/or securely authorize execution of transactions related to user accounts via one or more application programming interfaces (“APIs”) and/or one or more authorization mechanisms.
    Type: Grant
    Filed: September 13, 2019
    Date of Patent: April 26, 2022
    Assignee: Plaid Inc.
    Inventors: Jason Pate, Paolo Bernasconi, Jan Dudek, Riley Avron, Maxwell Johnson, Sattvik Kansal, William Hockey, Alexis Hidebrandt
  • Patent number: 11315116
    Abstract: Systems and methods are provided for use in authenticating consumers based on images of the consumers stored in payment cards. One exemplary method includes receiving, at a point-of-sale (POS) device, a transaction request by a consumer to purchase a product and soliciting, by the POS device, a payment device from the consumer for funding the transaction request. The method also includes retrieving, by the POS device, a reference image provisioned to the payment device, capturing, by the POS device, an image of the consumer presenting the payment device, and comparing, by the POS device, the captured image of the consumer to the reference image. The method then further includes submitting an authorization request, in response to the transaction request, when the captured image of the consumer matches the reference image, whereby the consumer is authenticated to the payment device.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: April 26, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: David Goldschmidt
  • Patent number: 11308557
    Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.
    Type: Grant
    Filed: November 13, 2020
    Date of Patent: April 19, 2022
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ari Studnitzer, Zachary Bonig, Ryan Eavy, Frank Kmiec, Barry Galster, Paul Callaway
  • Patent number: 11308551
    Abstract: A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system may construct flippable score factor displays comprising consumer specific information specific to a credit category that may be reversed to display explanatory text regarding how that credit category affects their credit report. The score factor display may include a comparison between the consumer's scores and the high scorers' scores in a number of categories. Scores of high scorers may be periodically refreshed. Additionally, the group of high scorers may be limited according to a particular demographic, such as a geographic location, that may be selectable by a user.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: April 19, 2022
    Assignee: Consumerinfo.com, Inc.
    Inventors: Jeffrey Bryan Mahacek, Janice Anne Rohn
  • Patent number: 11301860
    Abstract: Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer's device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository.
    Type: Grant
    Filed: August 5, 2019
    Date of Patent: April 12, 2022
    Assignee: The 41st Parameter, Inc.
    Inventor: Ori Eisen
  • Patent number: 11303496
    Abstract: Systems and methods are described herein for inserting supplemental content into a QAM signal. A unicast QAM signal between a server and a client device for delivery of content is established. The QAM signal has a particular frequency corresponding to the channel on which it will be transmitted to the client device. A request or other signal may be received from the client device requesting that supplemental content be inserted into the QAM signal. A portion of the bandwidth of the QAM signal is allocated for the supplemental content. The supplemental content is transcoded into a supplemental QAM signal in the particular frequency. The supplemental content may be packetized content such as internet protocol-based content and may be retrieved from a server or database. The supplemental QAM signal is then inserted into the unicast QAM signal using the allocated portion of the bandwidth.
    Type: Grant
    Filed: March 30, 2020
    Date of Patent: April 12, 2022
    Assignee: Rovi Guides, Inc.
    Inventors: Michael McCarty, Glen E. Roe
  • Patent number: 11301936
    Abstract: The present embodiments relate to systems and methods for using a blockchain to record information related to processes and services in the vehicle industry. For example, (1) receiving vehicle data from one or more remote computing devices; (2) detecting a change in a condition of the vehicle from analysis of the vehicle data, such as that the vehicle has been in a collision and is now a total loss; (3) identifying a VIN of the vehicle or retrieving the VIN from a memory unit when a change in a condition of the vehicle is detected; (4) generating a transaction (i) including the vehicle's VIN, and (ii) describing the detected change in the condition of the vehicle and/or the status of the total loss vehicle; and/or (5) transmitting the transaction to facilitate creating and/or maintaining a VIN-based distributed ledger for the particular vehicle and/or transferring ownership of the total loss vehicle.
    Type: Grant
    Filed: March 2, 2018
    Date of Patent: April 12, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: William J. Leise, Jacob J. Alt, Jaime Skaggs, Eric Bellas, Shawn M. Call, Eric R. Moore, Melinda Teresa Magerkurth, Vicki King
  • Patent number: 11301875
    Abstract: Systems/methods for sending offers to a user viewing a web page. A third-party offer engine proxy server is interposed between the user computing device and a destination web server to which the user is browsing. The offer engine proxy receives a first message comprising browsing information from the user computing device and sends the first message to the destination web server. The offer engine proxy receives a resulting web page from the destination web server. The offer engine proxy determines at least one topic of the browsing information. The offer engine proxy determines an offer to be sent to the user based on the at least one browsing information topic. The offer engine proxy modifies the resulting web page to include an offer to be sent to the user. The offer engine proxy sends a second message including the modified webpage and the offer to the user computing device.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: April 12, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ronnie Allen Eichler, Bradly Jay Billman, Reynaldo Medina, III
  • Patent number: 11301669
    Abstract: A face recognition system and a method for enhancing face recognition are provided. The method includes: receiving a face image and obtaining a feature of the face image from a feature extraction model; registering the face image to set the feature of the face image as a first recognition feature; performing a synthesis operation on the face image according to at least one first adjustment parameter to generate a synthetic image, and obtaining a feature of the synthetic image from the feature extraction model; comparing first recognition feature with the feature of the synthetic image to obtain a feature similarity; comparing the feature similarity with a threshold value to obtain a comparison result; and registering the synthetic image when the comparison result indicates that the feature similarity is less than or equal to the threshold value.
    Type: Grant
    Filed: June 4, 2019
    Date of Patent: April 12, 2022
    Assignee: PEGATRON CORPORATION
    Inventor: Yu-Hung Tseng
  • Patent number: 11301764
    Abstract: The present disclosure relates to methods and systems for providing personalized digital advice. A digital advisor service applies cross-entity historical interaction (e.g., behavior attributes) to one or more predictive models to identify one or more personalized goals for a user. The digital advisor service provides, via an application programming interface, the identified one or more personalized goals to an entity service, enabling the entity service to present the one or more personalized goals.
    Type: Grant
    Filed: June 11, 2020
    Date of Patent: April 12, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mollie Wendel, Robert J. Eckelbarger, Stephen Holloway, Matthew J. Kosub, Lyndsey Nicole Stevens
  • Patent number: 11303656
    Abstract: The behavior analysis engine can identify malicious entities based on connections between the entity and other entities. The behavior analysis engine receives an entity from the network traffic hub and identifies entities that are connected to the entity within a threshold degree of separation. The behavior analysis engine applies a recursive process to the entity whereby the behavior analysis engine determines whether an entity is malicious based on whether its connections within a threshold degree of separation are malicious. The behavior analysis engine uses the maliciousness of the entities' connections to determine whether the entity is malicious and, if the entity is malicious, the behavior analysis engine may instruct the network traffic hub to block network communications associated with the malicious entity.
    Type: Grant
    Filed: March 1, 2018
    Date of Patent: April 12, 2022
    Assignee: Cujo LLC
    Inventors: Leonid Kuperman, Yuri Frayman, Einaras von Gravrock, Gabor Takacs
  • Patent number: 11301929
    Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. Prior to closing financial accounts, the system can retrieve a list of all scheduled and pending transactions and request that these transactions are canceled before closing the account.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 12, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Rodney Kalich, Randall Martin Brandt, Marco Aldo Jimenez, David Perry
  • Patent number: 11295244
    Abstract: A system and methods for mapping price and location of tickets in an event venue are described. An interactive event venue seat map is provided by a network-based system that implements an online marketplace for tickets for upcoming events. The interactive event venue seat map enables sellers to view pricing information and transaction information for both sold and current event listings for any section or zone in an event venue. The interactive event venue seat map allows sellers to browse and click on sections to see sold and listed data for any section and zone in the event venue and to compare a proposed sale price to available pricing information of sold and current event listings in comparable sections. Other embodiments are described and claimed.
    Type: Grant
    Filed: October 28, 2016
    Date of Patent: April 5, 2022
    Assignee: StubHub, Inc.
    Inventors: Eric Thomas, Ganesh Ramamurthy, Benjamin Salles, Mihir Sambhus, David Han
  • Patent number: 11294465
    Abstract: Techniques are described for dynamically determining the flow of screens to be presented in a user interface (UI) of an application executing on a computing device, based at least partly on a detected presence of a user device (e.g., a portable computing device) in a particular geographic area. Area designation data is transmitted to, and stored on, a user device. The area designation data can describe a geofenced area and/or beacon signals. In response to determining that the user device is in the geographic area indicated by the area designation data, the user device may transmit an alert signal that causes an interface flow to be dynamically determined and executed for an application executing on the computing device that is separate from the user device.
    Type: Grant
    Filed: April 22, 2019
    Date of Patent: April 5, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: James Malcolm Spears, John David Clark, Lisa Horgan, John David Windham
  • Patent number: 11295392
    Abstract: A system for enhanced personal property replacement (i) builds a virtual inventory of personal belongings, such as by performing object recognition techniques on mobile device digital images with the customer's permission or affirmative consent; (ii) receives user preferences transmitted from their mobile device; (iii) receives a request from the user to handle an insurance claim after an insurance-related event; (iv) determines items to purchase for the user based upon the user preferences, and/or the extent of damage; and/or (v) transmits, to a retailer remote server a virtual order for the items to be delivered to the user at a temporary (hotel) or permanent (home) address. Insurance claim monies may be used to pay for the items. As a result, after an event (e.g., fire, tornado, hurricane), household or other goods may be automatically purchased and delivered to a customer to alleviate the negative impact of the event on their life.
    Type: Grant
    Filed: April 20, 2020
    Date of Patent: April 5, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Greg Maurer, Timothy Joel Davis, Amy Engelhorn
  • Patent number: 11288615
    Abstract: A system with access to regularly updated information regarding an entity can generate information regarding the performance of that entity. For example, values of various key performance indicators (KPIs) can be determined. One or more of the values can be compared to a corresponding threshold or range. Based on the results of the comparisons, an alert can be generated and sent to a user associated with the entity, a user interface (UI) that presents information to the user about the entity can include information regarding the KPIs, or both. The system may have access to data regarding a number of similar entities. Using the data for the similar entities, one or more benchmarks for the KPIs of the entity can be determined. The KPIs can be compared to the benchmarks and the results shown in a UI, an alert, or both.
    Type: Grant
    Filed: December 16, 2019
    Date of Patent: March 29, 2022
    Assignee: Xero Limited
    Inventors: Tim Mole, Grant Anderson
  • Patent number: 11290342
    Abstract: A network simulation system comprises a request processor and a simulation engine. The request processor receives node data indicative of resource levels of nodes of the network, and relationship data indicative of relationship parameters of a plurality of relationships between the nodes. The simulation engine outputs a stream of event data based on the relationship data.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: March 29, 2022
    Assignee: VOCALINK LIMITED
    Inventors: Michael Alan Dewar, Prina Rajendra Kumart Patel
  • Patent number: 11288747
    Abstract: A method for developing, evaluating, and validating investment glide paths for an investment event having an expected first duration includes: generating, with at least one processor, execution logic associated with at least one delayed onset investment glide path associated with the investment event and having the first duration, the at least one delayed onset investment glide path including: (1) an extended fixed allocation glide path, the extended fixed allocation glide path at a beginning of the delayed onset investment glide path, and (2) a reallocation glide path, the reallocation glide path immediately following the extended fixed allocation glide path and continuing for a remainder of the first duration; and automatically initiating, with at least one processor, execution of the at least one delayed onset investment glide path according to the execution logic.
    Type: Grant
    Filed: February 18, 2019
    Date of Patent: March 29, 2022
    Assignee: Cerebly Inc.
    Inventor: Mark Kantrowitz
  • Patent number: 11282050
    Abstract: A system and method for providing location based services for user-fee chargeable facilities is provided. The invention provides for detecting location, and offering and charging for usage of user-fee chargeable facilities. The invention further provides a convenient and common platform for offering user-fee chargeable services from different organizations. Furthermore, the invention provides a system and method that facilitates payment of fees through multiple payment channels, provides opportunities for using accumulated loyalty points in lieu of payments, availing personalized discounts and/or offers in lieu of financial payments and provides options for sharing the payment of fees between multiple users. The invention also provides a system and method that helps facility owners and operators and third party partners to reduce costs and increase revenue leveraging location-based services.
    Type: Grant
    Filed: October 10, 2018
    Date of Patent: March 22, 2022
    Assignee: COGNIZANT TECHNOLOGY SOLUTIONS INDIA PVT. LTD
    Inventors: Alfred Philipson, Kabali Ganesan, Paul Godwin, Alok Magan
  • Patent number: 11283725
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for delivering event content. One of the methods includes initiating, for one or more client devices, a subscription to a topic; receiving an event relevant to a topic; determining a number of channel servers that correspond to the topic, wherein each channel server is associated with one or more client devices; determining that the number of channel servers that correspond to the topic is greater than a threshold number of channel servers; writing the received event from the event processor to an event fan-out queue, in response to the determination that the number of channel servers that correspond to the topic is greater than the threshold number of channel servers; reading the received event from the event fan-out queue; and sending the received event to the one or more client devices associated with each respective channel server.
    Type: Grant
    Filed: October 12, 2020
    Date of Patent: March 22, 2022
    Assignee: Twitter, Inc.
    Inventors: Jie Jin, Dustin Norlander
  • Patent number: 11282055
    Abstract: A method for beacon device-based customer notifications is provided. The method is implemented by a computing device including a processor. The method includes receiving, from a beacon device, a beacon device advertisement that includes a universally unique identifier (UUID), a major identifier, and a minor identifier. The method also includes identifying, based on at least one of the UUID, the major identifier, and the minor identifier, that the beacon device is associated with an agent location, where the agent location is corresponds to a bill payment and money transfer facility. The method further includes generating a payment notification for display on the computing device, where the payment notification includes payment data and agent location data, receiving, from a user, an instruction to prepare to make a payment at the agent location, and causing the agent location to stage the payment for completion by the user.
    Type: Grant
    Filed: December 14, 2017
    Date of Patent: March 22, 2022
    Assignee: MoneyGram International, Inc.
    Inventor: Joseph R. Braga
  • Patent number: 11282519
    Abstract: Embodiments of the present disclosure provide a voice interaction method, device, and a computer readable storage medium. Through a conversion of a terminal device from a near-filed voice interaction mode to a far-filed voice interaction mode, the terminal device is configured to perform the following operations when in the far-filed voice interaction mode: obtaining voice information of a user; obtaining, according to the voice information, target information required by the user from a server; and playing the target information in a voice manner, so that the terminal device can be turned into a smart speaker with a screen in the far-field voice interaction mode, and into a common mobile phone or tablet computer in the near-field voice interaction mode. The terminal device provides the user with a flexible and convenient voice service.
    Type: Grant
    Filed: July 11, 2019
    Date of Patent: March 22, 2022
    Inventors: Yushu Cao, Qing Si, Qinglong He, Xiangdong Xue
  • Patent number: 11283743
    Abstract: Techniques for scam detection and prevention are described. In one embodiment, an apparatus may comprise an interaction processing component operative to generate a scam message example repository; submit the scam message example repository to a natural-language machine learning component; and receive a scam message model from the natural-language machine learning component in response to submitting the scam message example repository; an interaction monitoring component operative to monitor a plurality of messaging interactions with a messaging system based on the scam message model; and determine a suspected scam messaging interaction of the plurality of messaging interactions; and a scam action component operative to perform a suspected scam messaging action with the messaging system in response to determining the suspected scam messaging interaction. Other embodiments are described and claimed.
    Type: Grant
    Filed: July 23, 2019
    Date of Patent: March 22, 2022
    Assignee: META PLATFORMS, INC.
    Inventors: Emanuel Alexandre Strauss, Muhammad Saif Farooqui, Rehman Mehdi Muhammad, Michelle Ruby Hwang, Nicolas Scheffer
  • Patent number: 11282138
    Abstract: Disclosed is a system and method for incentivizing participants on an electronic trading venue to post competitively priced bids or offers onto that venue. Participants that post such bids and offers are rewarded by a venue implementing the invention by being sent more frequent (and/or enhanced) market data updates over participants who do not, while those bids and offers remain active and competitive. Participants that receive more frequent market data updates from a venue may have an informational advantage in their trading over those participants that receive less frequent updates.
    Type: Grant
    Filed: June 21, 2017
    Date of Patent: March 22, 2022
    Assignee: REFINITIV US ORGANIZATION LLC
    Inventor: Hayden Paul Melton
  • Patent number: 11276068
    Abstract: Techniques for identifying fraudulent transactions are described. In one example method, an operation sequence and time difference information associated with a transaction are identified by a server. A probability that the transaction is a fraudulent transaction is predicted based on a result provided by a deep learning network, where the deep learning network is trained to predict fraudulent transactions based on operation sequences and time differences associated with a plurality of transaction samples, and where the deep learning network provides the result in response to input including the operation sequence and the time difference information associated with the transaction.
    Type: Grant
    Filed: April 2, 2021
    Date of Patent: March 15, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Longfei Li
  • Patent number: 11277386
    Abstract: Systems and method for method for increasing security in online transfers by maintaining anonymity of transferors are described herein. In an embodiment, a label tracking system receives a request to generate labels for an account of an account holder. The system generates a plurality of labels in response to the request and send the plurality of labels to an account computing device which stores a mapping of labels to identification information. The system receives an allocation request from the account computing device and stores allocations for each of the generated labels. When the system receives a request to perform a transfer between two labels, without changing any items within the account and without receiving identification information corresponding to the labels, the system updates the labels by decrementing an amount allocated to the transferor label and incrementing an amount allocated to the transferee label.
    Type: Grant
    Filed: March 14, 2019
    Date of Patent: March 15, 2022
    Assignee: DWOLLA, INC.
    Inventors: Benjamin P. Milne, Adrienne Sum
  • Patent number: 11276115
    Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.
    Type: Grant
    Filed: November 4, 2019
    Date of Patent: March 15, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Venkat Varadachary
  • Patent number: 11276119
    Abstract: Management of a position concentration risk of an account includes the establishment of a threshold level for an aggregate trader position. The aggregate trader position may be associated with one or more customer accounts that are managed by one or more clearing firms. An actual parameter value associated with each of the customer accounts is aggregated to determine an aggregate parameter value, which is compared against the established threshold value. If, based on the comparison between the aggregate parameter value and the established threshold value, it is determined that the aggregate parameter value meets or exceeds the established threshold value, an advisory alert is generated, which may be automatic. The advisory alert is then communicated or otherwise provided to one or more authorized entities.
    Type: Grant
    Filed: July 26, 2021
    Date of Patent: March 15, 2022
    Assignee: Intercontinental Exchange Holdings, Inc.
    Inventors: Thomas Hammond, Thomas Farley, Raymond J. Cummings
  • Patent number: 11276007
    Abstract: To clear a blindspot in the way business leaders, analysts and investors make decisions about capital investments in various businesses, the present inventors devised, among other things, business model classification, search, and analysis systems and methods. One exemplary system automatically classifies businesses based on quantitative and qualitative business data according to a 4-class framework that spans traditional industry boundaries. This classification is based on a combination of spending patterns, financial metrics, and language to identify each firm's business model. The resulting business model is then utilized in conjunction with additional financial and non-financial metrics, securities analysis, leading and lagging indicators, and/or industry comparison to produce a score which can be used to compare business performance within and across classifications to generate superior performance and mitigate risks for business leaders and investment managers.
    Type: Grant
    Filed: February 25, 2020
    Date of Patent: March 15, 2022
    Assignee: AIMATTERS, INC.
    Inventors: Barry D. Libert, Megan Beck
  • Patent number: 11270375
    Abstract: A method for measuring financial health involves aggregating financial data from different data sources into a single financial data warehouse; extracting multiple customer financial characteristics from the financial data warehouse to build multiple financial profiles for a plurality of known customers; training a predictive machine learning model using the multiple financial profiles of multiple known customers to obtain a trained model; generating a grade mapping table using the trained model and a pre-defined business rule; applying the trained model to the financial data of a user to obtain a financial health score set; applying the grade mapping table to the financial data of the user to obtain a financial health grade set; and presenting the financial health grade set and the financial health score set to the user via a multimedia user interface.
    Type: Grant
    Filed: October 31, 2017
    Date of Patent: March 8, 2022
    Assignee: Intuit Inc.
    Inventors: James Jennings, Danielle D'Agostino, Ellery Addington-White, Evan Francis, Dorian Kersch
  • Patent number: 11270286
    Abstract: Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user and receives a response from the invited user to the at least one invitation, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: March 8, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Christopher M. Wetzel, Daniel Beck, Paul Young Moreton
  • Patent number: 11270313
    Abstract: Embodiments of the present invention provide a system for real-time resource account verification processing for authentication of a user. The system provides a communication linkage between entities that are real-time payment network enabled participates to communication and confirm account verification. As such, via RFI messaging an entity may request verification of user resource accounts. The system may identify the entity associated with the resources, deploy a secure communication via the RFI messaging platform, and receive a verification in real-time. The system allows for performance of this communication on a backend secure RFI messaging center without third party knowledge of account verification processing. Thus limiting verification, disruption, and processing lag.
    Type: Grant
    Filed: February 26, 2019
    Date of Patent: March 8, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Paul Benton Murphy, Joseph Benjamin Castinado, Richard C. Clow, II, Charles Russell Kendall
  • Patent number: 11270397
    Abstract: An automatic urban land identification system integrating business big data with building forms, including a data acquiring and inputting module, a database construction module, a machine learning training module, an automatic identification module, and a data outputting module. The system automatically identifies an urban land by extracting a data distribution feature of an urban business site and a multi-dimensional form feature of an urban spatial three-dimensional entity. The system can be used for the determining of land usage of an urban plot in the field of urban planning and design, to achieve efficient and automatic refined identification of land usages of cities of different scales based on an artificial intelligence system, providing an efficient and convenient surveying and mapping approach and reference for surveying and mapping of the current urban construction land, and effectively saving time costs of manual surveying and mapping.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: March 8, 2022
    Assignee: SOUTHEAST UNIVERSITY
    Inventors: Junyan Yang, Dian Shao, Qiao Wang, Zhicheng Liu
  • Patent number: 11271934
    Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.
    Type: Grant
    Filed: February 26, 2020
    Date of Patent: March 8, 2022
    Assignee: Visa International Service Association
    Inventors: Michael Mori, Gourab Basu, Rajat Das
  • Patent number: 11263697
    Abstract: Various aspects of the subject technology relate to systems, methods, and machine-readable media for investigating an insurance claim. A system may be configured to perform operations including establishing a video conferencing session with a mobile device associated with an insurance product and providing a user interface configured to provide a claims adjuster with remote control of a set of functions on the mobile device associated with the insurance product during the video conferencing session. The operations further include receiving, via the user interface, instructions for requesting the mobile device to perform at least one function in the set of functions on the mobile device and transmitting, to the mobile device, a request to perform the at least one function on the mobile device.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: March 1, 2022
    Assignee: Esurance Insurance Services, Inc.
    Inventors: Joseph S. Laurentino, Philip Rodoni
  • Patent number: 11263600
    Abstract: The present automated trustee payments system implements a series of automated processes which significantly reduce, and in many cases, eliminate a creditor user's work that is required to accurately and timely process incoming Chapter 13 Trustee remittances. The automated trustee payments system also effects application of the funds to the proper bankrupt debtor accounts and accounts for the funds against the proper creditor's loan account segments (e.g., the bankruptcy estate pre-petition indebtedness or the post-petition ongoing payments).
    Type: Grant
    Filed: March 24, 2016
    Date of Patent: March 1, 2022
    Assignee: 4 S TECHNOLOGIES, LLC
    Inventors: W. C. Taylor, III, Michael S. Ackerman