Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10102530
    Abstract: A system and method for detecting a test event involving a financial transaction device at a merchant having a merchant profile is disclosed. The method includes receiving data associated with a transaction involving a financial transaction device; calculating a score using at least the transaction data; comparing the score to a threshold value; and attaching a merchant probe flag to the merchant profile if the score exceeds the threshold value. The merchant probe flag indicates a likelihood that a test event has occurred at the merchant based on the score. If a test event has occurred, then financial transaction devices involved in the test event can have their profiles updated to reflect that they have been probed. If a financial transaction device that has been probed is used in a subsequent transaction, then a specialized fraud scoring model can be used to provide an improved fraud risk score.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: October 16, 2018
    Assignee: Fair Isaac Corporation
    Inventors: Scott Michael Zoldi, Ilya Levner, Maria Derderian
  • Patent number: 10102540
    Abstract: A method and device for enforcing advertisement viewing in the device are provided. When there is a play request for contents, it is determined whether there is a common Rights Object (RO) linked with an RO of the requested contents. When there is a common RO, information about consumption of advertisements on a plurality of contents is obtained from the common RO. At least one advertisement linked with the requested contents is played on the basis of the obtained information.
    Type: Grant
    Filed: August 24, 2011
    Date of Patent: October 16, 2018
    Assignee: Samsung Electronics Co., Ltd
    Inventors: Sung-Oh Hwang, Sergey Nikolayevich Seleznev
  • Patent number: 10102550
    Abstract: Systems and methods to provide telephonic connections. In one embodiment, a method includes: providing a listing on a marketplace, the listing including an assigned reference to be used to initiate a real time communication connection; and billing for a real time communication lead generated from presenting the listing in response to a real time communication initiated via the reference. In one embodiment, a method includes: conducting online auction of telephonic leads; determining a way to present listings based at least partially on received price bids on the telephonic leads (e.g., the order of placement, the selection for placement, etc); and providing the listings with information to initiate a telephonic connection in a way trackable to measure a number of telephonic calls generated from presenting the listings.
    Type: Grant
    Filed: March 16, 2017
    Date of Patent: October 16, 2018
    Assignee: YELLOWPAGES.COM LLC
    Inventors: Ebbe Altberg, Scott Faber, Ron Hirson, Sean Van Der Linden
  • Patent number: 10102512
    Abstract: Methods and Systems comprise accessing user account information in a source user account for a first financial institution. Payee data is scraped from the source user account. The payee data is temporarily stored. It is determined whether the user entering the user credential information has logged off the source website. The temporarily stored payee data is inserted into a target user account for a second financial institution.
    Type: Grant
    Filed: March 19, 2014
    Date of Patent: October 16, 2018
    Assignee: WILMINGTON SAVINGS FUND SOCIETY, FSB
    Inventors: Joseph Delgrippo, Jr., Christopher Zupko, Dale Pippert
  • Patent number: 10096068
    Abstract: Disclosed here is a triaging system, including a value engine, an analytical engine, a scoring engine, and databases storing internal, external, and retention value data. A value engine may be configured to receive information and determine a value associated with a policy; an analytical engine may be configured to receive information related to one or more factors associated with a policyholder, as well as actuarial relationships between the one or more factors; and a scoring engine may be configured to receive information associated with a policyholder from one or more value engines and analytical engines, and may output a scalar score associated with the retention value of the policyholder. The system may determine the value of retention associated with the policyholder and use this value to build and store a client score, where the client score may be a scalar representation of the value of retaining business with the policyholder.
    Type: Grant
    Filed: December 19, 2014
    Date of Patent: October 9, 2018
    Assignee: Massachusetts Mutual Life Insurance Company
    Inventors: Gareth Ross, Tricia Walker
  • Patent number: 10096062
    Abstract: A method and system that produces a single financial product including a security arrangement, legal agreement(s) and technical management facility that aggregates the values of present or future financial cash flows from financial arrangements or securities offered by multiple entities such that the assets and liabilities are combined through agreements and other such arrangements to produce an enhanced portfolio value of the financial products.
    Type: Grant
    Filed: June 23, 2009
    Date of Patent: October 9, 2018
    Inventor: Walsh F. William
  • Patent number: 10096061
    Abstract: Systems and methods for providing financial modeling are provided. A financial modeling method according to the present invention can comprise receiving comprehensive financial data relating to an entity. The financial data can be categorized into a plurality of financial components, which can comprise a protection component, and savings component, and a growth component. An additional step can comprise analyzing the financial data, along with a set of assumptions, to create a financial model based on the plurality of financial components. The method can display a graphical representation of the financial model, and the graphical representation can illustrate an application of one or more of the financial components to the financial data. An update to the financial data or the assumptions can be received and dynamically incorporated into the graphical representation.
    Type: Grant
    Filed: March 20, 2009
    Date of Patent: October 9, 2018
    Assignee: Leap Systems, Inc.
    Inventors: Robert Castiglione, Christian Castiglione
  • Patent number: 10089682
    Abstract: Various embodiments are directed to systems and methods for facilitating a rent-to-own transaction. A computer system may receive from a computer device input data describing a consumer and, based on the input data, determine a spending limit for the consumer. The computer system may also receive from the computer device an indication of a good selected by the consumer. Based on data describing the good, the computer system may determine whether the good is transaction eligible. When the good is transaction eligible, the computer system may transmit to the computer device an indication of terms of the rent-to-own transaction, such as a periodic payment due under the rent-to-own transaction. When the terms are accepted by the consumer, the computer system may instruct a fulfillment computer to direct the good to the consumer.
    Type: Grant
    Filed: June 2, 2014
    Date of Patent: October 2, 2018
    Assignee: FLEXSHOPPER, INC.
    Inventors: Brad Bernstein, Justin Metzl, Andres Galindo
  • Patent number: 10089396
    Abstract: A mobile device application is provided with a dynamic interface for capturing vehicle data. Using a captured VIN number, decoded particulars of the vehicle can be retrieved, together with other particulars from third party databases. Fields of a data capture form are pre-populated with this retrieved data as well as user input in text and multimedia formats. The unfilled fields are presented to the user through an interface in a staged format, showing only relevant unfilled fields. This is reconfigured dynamically (to show more or less fields) as the data is entered/retrieved. The application may use distinct text entry and multimedia entry modes, which may be guided (e.g. with visual cues for photo/video capture). A related method is also provided.
    Type: Grant
    Filed: July 30, 2015
    Date of Patent: October 2, 2018
    Assignee: NthGen Software Inc.
    Inventors: Mark Endras, Hon-Wai Chia
  • Patent number: 10089671
    Abstract: A method and a system segmenting a user viewing listings in online publications to render the listing according to a rule received from a seller. For example, the system receives one or more listings submitted by a seller. The listing comprises one or more modifiable parameters. The system also receives a rule from the seller, the rule associated with a first listing of the one or more listings. A profile is associated with a user based on data collected about the user. The first listing is rendered to the user based on the profile associated with the user and the rule by modifying the one or more parameters.
    Type: Grant
    Filed: December 19, 2013
    Date of Patent: October 2, 2018
    Assignee: eBay Inc.
    Inventors: Mihir Mehta, Srinivasa Raghavan Ambikapathy, Monica Swamiraj, Kumaresan Manickavelu, Harishankar Nagarajan, Badrinarayanan Ramaswami
  • Patent number: 10091008
    Abstract: A method and apparatus advantageously consider historic usage data in determining the credit reservations made against subscriber accounts during online charging operations. In particular, with respect to a communication between first and second parties that is subject to online charging, the method and apparatus use historic usage data associated with at least one of the first and second parties, to determine credit reservations against an involved subscriber account. This approach makes the credit reservation better reflect the usage pattern or history of one or both parties. In some embodiments, the historic usage data is generalized with respect to the called or contacted party. In other embodiments, the historic usage data is generalized with respect to the calling or contacting party. In still other embodiments, the historic usage data is particularized to reflect a historic usage pattern of communication between the first and second parties.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: October 2, 2018
    Assignee: Telefonaktiebolaget LM Ericsson (publ)
    Inventors: Nipun Sharma, Robert Törnkvist
  • Patent number: 10089703
    Abstract: Land use rights management where land use rights are represented as bounded space, and portions of rights are represented as portions of whole rights. The portions are specifically designated subspaces within the bounded space. Rights or ownership interests can be determined by a set or array of interests as indicated by separate computer objects. Conveyances that indicate a split of rights causes the generation of multiple separate interests. Conveyances that indicate a merger of rights can cause the generation of a merged interest where rights from multiple sources can be combined in one interest as indicated by a single computer object. The merged interest can reduce the number of individual rights in the set to enable the computer to perform more efficient computation of ownership interests.
    Type: Grant
    Filed: May 1, 2018
    Date of Patent: October 2, 2018
    Assignee: CHAINLINK TECHNOLOGIES
    Inventors: Ashley A. Gilmore, David L. Dewey, Robert Anderson, Gerald Gilmore
  • Patent number: 10089664
    Abstract: Aspects and examples are disclosed for facilitating and signaling market transactions between providers of products or services and clients that consume or otherwise use the products and services. In one example, a processing device of a server system receives, via a data network, data from a computing system describing attributes of a client that uses the computing system. The processing device can verify at least some of the received data to generate a client profile for the client. Based on verifying the data in the client profile, the processing device can notify one or more providers of a product or service that the client is interested in the product or service. Notifications to providers of the product or service can maintain the anonymity of the client. Notifications to the providers can also identify a client type, the client's propensity to purchase or access certain products or services, etc.
    Type: Grant
    Filed: May 7, 2014
    Date of Patent: October 2, 2018
    Assignee: Equifax Inc.
    Inventors: Naser Hamdi, Eric Bloomquist, William Esterhuizen, Sterling Metz
  • Patent number: 10091230
    Abstract: Identity data for a user is aggregated from multiple sources into a global profile, the contents of which is distributed under the control of the user to trusted risk engines. The collected identity data is related to the user's use of online services provided by multiple independent service providers. The collected identity data is aggregated into a private, global profile. The user must authorize the portion(s) of the aggregated identity data that is/are distributed, and one or more trusted risk engines to which the aggregated identity data may distributed. The global profile may be distributed to individual trusted risk engines, further based on requests received from individual ones of the trusted risk engines.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: October 2, 2018
    Assignee: EMC IP Holding Company LLC
    Inventors: Salah Machani, Kayvan Alikhani, Lawrence N. Friedman, Christopher Clifton McLaren, Marcelo Blatt
  • Patent number: 10083486
    Abstract: An electronic trading system implements collar protection for received marketable orders. A collar price is determined based on best bid and offers prices or the price of a recently executed trade. Orders matched at prices worse than the collar price (from the perspective of the marketable order) are not allowed to execute. When execution of orders is halted, a collar timer runs. When the collar timer exceeds a time threshold, the collar price is modified based on a collar move parameter. The collar move parameter may be modified when the reset collar timer subsequently exceeds the time threshold.
    Type: Grant
    Filed: December 22, 2014
    Date of Patent: September 25, 2018
    Assignee: NYSE Group, Inc.
    Inventor: Amy Joy Farnstrom
  • Patent number: 10083483
    Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.
    Type: Grant
    Filed: January 9, 2013
    Date of Patent: September 25, 2018
    Assignee: Bank of America Corporation
    Inventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
  • Patent number: 10083440
    Abstract: In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.
    Type: Grant
    Filed: March 18, 2015
    Date of Patent: September 25, 2018
    Assignee: SKYPE
    Inventors: Siim Viidu, Edith Coenen, Andres Kutt, Kristen Ondeck
  • Patent number: 10083415
    Abstract: Multi-variable assessment systems and methods that evaluate and predict entrepreneurial behavior are provided herein. Methods include obtaining entrepreneur data related to personal skills data, business history data, and social network data for the entrepreneur across a plurality of network modalities, the plurality of network modalities including social networks, phone records, and message records, determining business event information for business events identified between the entrepreneur and contacts of the entrepreneur found in the entrepreneur data, and performing a dynamic measurement of engagement between the entrepreneur and the contacts by looking for contacts between the entrepreneur and the contacts that cross the plurality of network modalities, wherein the dynamic measurement includes an entrepreneur score for the entrepreneur.
    Type: Grant
    Filed: March 27, 2015
    Date of Patent: September 25, 2018
    Assignee: Kountable, Inc.
    Inventors: Christopher Hale, Craig M. Allen, Catherine Nomura
  • Patent number: 10080215
    Abstract: This specification describes a method comprising generating a first packet based on user plane data relating to a single user which is output by a first L1 PHY processing stage, the first packet including a proper subset of the user plane data which is to be transmitted to the user equipment during a first time-slot symbol; passing the first packet to a second L1 PHY processing stage across a split fronthaul interface in a first time period having a duration corresponding to a duration of transmission of the first time-slot symbol; and passing one or more subsequent packets including the remainder of the user plane data across the split fronthaul interface in one or more successive time periods which are immediately subsequent to the first time period.
    Type: Grant
    Filed: August 5, 2016
    Date of Patent: September 18, 2018
    Assignee: Nokia Technologies Oy
    Inventors: David Chen, Alan Rottinghaus, David Baietto, Yuda Luz
  • Patent number: 10074131
    Abstract: A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: September 11, 2018
    Inventor: N. Caleb Avery
  • Patent number: 10074079
    Abstract: A method for quantifying performance of a group includes generating historical group factor performance data for a plurality of predefined factors in accordance with historical performance data and historical group factor exposure data for the plurality of predefined factors; generating historical group static factor performance data for the plurality of predefined factors in accordance with the historical performance data for the plurality of predefined factors and one or more representative values of the historical group factor exposure data for the plurality of predefined factors; generating historical group dynamic factor performance data for the plurality of predefined factors in accordance with the historical group factor performance data for the plurality of predefined factors and the historical group static factor performance data for the plurality of predefined factors; and providing one or more values that represent the historical group dynamic factor performance data.
    Type: Grant
    Filed: August 1, 2014
    Date of Patent: September 11, 2018
    Assignee: Alpha Beta Analytics, LLC
    Inventor: Grigori Kapoustin
  • Patent number: 10068290
    Abstract: Identification of a stable quoting quantity is disclosed. An example method includes setting a quoting quantity for a trading strategy based on a distribution associated with a tradable object of the trading strategy; defining a range having first and second boundaries based on the distribution; updating a first tracked value according to changes in the distribution; and changing the quoting quantity in response to the first tracked value falling outside the range.
    Type: Grant
    Filed: October 30, 2012
    Date of Patent: September 4, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Andrew Gottemoller, Patricia A. Messina
  • Patent number: 10068029
    Abstract: Some examples of visualizing relationships between survey data can be implemented by displaying a user interface including a survey question region and a percentage region. In response to detecting a selection of a survey data set, multiple question objects are displayed in the survey question region. Each question object represents a survey question and an answer option for the survey question. In response to inputs to interact with the multiple question objects, survey results such as a percentage of selections of a first answer option to a first survey question represented by a first question object can be determined and displayed in the user interface. Also, interrelationships between answers to survey questions can be displayed by positioning question objects at different locations in the user interface. In response to a selection of a question object, other question objects can be presented according to the correlation with the selected question object.
    Type: Grant
    Filed: September 25, 2014
    Date of Patent: September 4, 2018
    Assignee: Business Objects Software Ltd.
    Inventors: Minghao Lu, Muthuraj Thangavel
  • Patent number: 10068254
    Abstract: Systems and methods for customer relationship management are disclosed. In one example, a customer relationship management system can receive, from a customer device, a customer location and a request for a sales representative. In response, the customer relationship management system can send, for display to a sales representative device, the customer location and then receive, from the sales representative device, a request for customer profile information. In response to this request, the customer relationship management system can send, for display to the sales representative device, at least some of the customer profile information.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: September 4, 2018
    Assignee: TOYOTA MOTOR SALES U.S.A., INC.
    Inventor: Brian M. Kursar
  • Patent number: 10068249
    Abstract: Disclosed are various embodiments for determining an expected number of times that content may be served in conjunction with a user interface. A forecasting model for determining an expected bid requests inventory is generated, wherein a bid request indicates an opportunity to submit a bid to present content in conjunction with a user interface. A bid success rate is determined. An expected impressions inventory is determined based on the expected bid requests inventory and the bid success rate.
    Type: Grant
    Filed: June 1, 2012
    Date of Patent: September 4, 2018
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventors: Liang Wei, Saurabh Sharma, Sumedh A. Kanetkar, Timothy Shawn T. Wee, Weifeng Aaron Lin
  • Patent number: 10068211
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a reallocation of resources contextual visual element and double verification requirement for resource distribution. In this way, the system identifies goals associated with a user and generated contextual visual elements associated with those goals. Based on a triggering event, the system displays the customized contextual visual element on a display of the user's device locking the functionality of the user device for a period of time the contextual visual element is displayed. Furthermore, the system may integrate and code a double verification requirement into resource distribution applications, requiring secondary authentication and additional verification for resource distribution.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: September 4, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Patent number: 10062041
    Abstract: A system that facilitates the negotiation of a standard for inter-enterprise collaboration between trading partners includes a set of meta-model elements. Each element in the set can be negotiated by enterprises and incorporated into a negotiated meta-model that describes an agreement between the enterprises as to collaborations between the enterprises. Each element in the set describes a portion of a potential standard for collaboration between enterprises. The system also includes a meta-model negotiation service that receives an indication that enterprises wish to negotiate a standard for collaborations between the enterprises and provides access to the set of elements and receive selections of one or more of the elements for negotiation and incorporation into a negotiated meta-model. The negotiated meta-model describes an agreement between the enterprises as to collaborations between the enterprises.
    Type: Grant
    Filed: April 9, 2007
    Date of Patent: August 28, 2018
    Assignee: JDA Software Group, Inc.
    Inventors: Ranjit N. Notani, Ramsyam Missula
  • Patent number: 10055721
    Abstract: Techniques and arrangements for replicating behavior of a point-of-sale (POS) device operating in an offline mode with behavior of the POS device operating in an online mode. For instance, the techniques may insert an artificial delay into an offline transaction, thus causing an end-to-end processing time of an offline transaction to more closely match an end-to-end processing time of an online transaction.
    Type: Grant
    Filed: May 9, 2014
    Date of Patent: August 21, 2018
    Assignee: Square, Inc.
    Inventors: Christopher Lang Mocko, Michael Wells White
  • Patent number: 10055945
    Abstract: Access devices like credit cards and/or check cards have enhanced security features that allow a customer to control circumstances under which their account is accessed. Fraudsters may try to access the account without the knowledge of the consumer set controls, the system takes remedial action with reduced instances of false positives. An account is established for an account holder through a central entity, e.g. an issuer. At least one user is associated with the access device that is established for one or more transactions. Use of the access devices is defined by a set of rules defined by the central entity and are controllable by the customer, including comprising any of the account holder and the user of the account. The customer inputs, controls, and/or updates parameters associated with the customer-controllable rules. Subsequent authorization of the access devices is controlled based on the customer input and other controls.
    Type: Grant
    Filed: October 20, 2011
    Date of Patent: August 21, 2018
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Jack Mackouse
  • Patent number: 10050989
    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: August 14, 2018
    Assignee: Guidewire Software, Inc.
    Inventors: George Y. Ng, Don Ma, Yuen Tsing Ooi, Feiyin Zhang, Fernando Tancioco, Jr.
  • Patent number: 10049405
    Abstract: A computer system and related methods configured to store and deliver, upon request, information related to asset-backed security pools, and execute transactions between one or more parties relating to the same. The system generally comprises a computer and a network interface that includes a data storage system in communication with the computer, the data storage system storing information relating to the securities, and account information related to at least one or more parties. The computer operative to provide information related to security pools to at least one of the parties, enable the at least one party to select one or more security pools for inclusion in a specified pool, provide aggregate pool data and information related to the selected specified pool to at least one other party, receive pricing information from at least one other party, and execute a trade for the asset-backed security pools in the specified pool.
    Type: Grant
    Filed: August 12, 2013
    Date of Patent: August 14, 2018
    Assignee: Tradeweb Markets LLC
    Inventors: James W. Toffey, Jonathon Williams
  • Patent number: 10048770
    Abstract: Implementations of the disclosed subject matter provide techniques for improved identification of a gesture based on data obtained from multiple devices. A method may include receiving an indication of an onset of a gesture, from a first device, at a gesture coordinating device. Next, first subsequent data describing the gesture may be received from a second device, at the gesture coordinating device. Based on the indication and the first subsequent data, the gesture may be identified. In response to identification of the gesture, an action may be performed based on the gesture identified. In some cases, the gesture coordinating device may be a cloud-based device.
    Type: Grant
    Filed: September 18, 2017
    Date of Patent: August 14, 2018
    Assignee: Google Inc.
    Inventors: Boris Smus, Christian Plagemann, Ankit Mohan
  • Patent number: 10049409
    Abstract: Technologies are disclosed for linking data from multiple market participants to generate a consolidated audit trail.
    Type: Grant
    Filed: July 1, 2014
    Date of Patent: August 14, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Leonard Laufer, James E. Saber, Helen Altshuler, Julie Pun, Rajesh L. Tolani, Shivraj Mundy, Michael B. Solovay, Kamla Hatwar
  • Patent number: 10049100
    Abstract: For automated text processing, the inventors devised, among other things, an exemplary system that automatically extracts financial events from various unstructured text based sources, such as press releases and news articles. Extracted events, such as mergers & acquisitions, earnings guidance reports, and actual earnings announcements, are represented as structured data records which can be linked, searched, and displayed and used as a basis for controlling accessing to the source documents and other related financial documents for named entities.
    Type: Grant
    Filed: January 30, 2009
    Date of Patent: August 14, 2018
    Assignee: Thomson Reuters Global Resources Unlimited Company
    Inventors: Frank Schilder, James Shaw
  • Patent number: 10049406
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10042915
    Abstract: Method, computer program product and computer system for assigning a direction of impact to an association between assets based on an impact of an event mapped to at least one of the assets. To assign a direction of impact, a first topic map meta-model is created that identifies assets and events in a topic map based index with instance ontology based on a topic map meta model that identifies assets and a topic map meta-model that identifies events. An identification is assigned in the first topic map meta-model to at least one association between at least one asset of the topic map meta-model that identifies assets and at least one event of the topic map meta-model that identifies events and a second topic map meta-model being created that identifies at least one association and instance ontology with direction of impact assigned to the at least one association in various scopes.
    Type: Grant
    Filed: September 28, 2015
    Date of Patent: August 7, 2018
    Assignee: International Business Machines Corporation
    Inventors: Thomas T. Hanis, Eoin Lane, Ke Zhang, Zhuo Z. Zhao
  • Patent number: 10043174
    Abstract: A method for processing payment. The method includes receiving, by a payment service, a payment text message comprising a payment amount and an identifier of a payee mobile device, validating the payment text message based on a payer balance of a virtual payer account maintained by the payment service for the payer, creating, by the payment service and in response to the payment text message, a virtual payee account based on the identifier of the payee mobile device, transferring, in response to creating the virtual payee account, the payment amount from the virtual payer account to the virtual payee account, and sending, by the payment service to the payee mobile device, a notification text message to notify the payee regarding a payee balance of the virtual payee account, wherein the payee balance is determined based at least on the payment amount.
    Type: Grant
    Filed: June 13, 2014
    Date of Patent: August 7, 2018
    Assignee: INTUIT INC.
    Inventor: Manu Chikkanna
  • Patent number: 10042896
    Abstract: A first search term input by a user is obtained. The first search term is matched with at least one keyword in a list such as an offline lists to select at least one keyword from the list. Each keyword in the list corresponds to at least one search recommendation respectively. A search recommendation corresponding to the at least one keyword selected from the offline list is obtained and provided to the user as a search recommendation of the first search term. For example, a historical user behavior relating to the keyword is obtained from a log record. A document generated by the historical user behavior is obtained. At least one candidate recommendations are obtained from text segmentation of the document. The present techniques provide a large range of selection of search recommendations, reduce a number of user searches, and further reduce search time and traffic.
    Type: Grant
    Filed: March 19, 2015
    Date of Patent: August 7, 2018
    Assignee: Alibaba Group Holding Limited
    Inventor: Changlong Sun
  • Patent number: 10043218
    Abstract: A system and method for providing a network-based service quotation communication platform through which potential buyers and potential sellers or agents may be connected to one another is provided herein. Particularly, in certain embodiments, the buyer may upload a photograph, image or other digital file taken from an existing insurance policy, electric or energy bill, phone bill, cable bill, internet service provider bill, etc. Upon receipt of the image, limited lead information, such as the buyer's name and approximate policy vale, is provided to one or more sellers or insurance agents. If a seller or agent would like to view more detailed information pertaining to the request, or otherwise submit a bid or quote, then the seller or agent must purchase the lead with money or credits. Once purchased, the seller or agent may submit a bid, provide a quote or communicate certain proposals to the buyer.
    Type: Grant
    Filed: August 19, 2015
    Date of Patent: August 7, 2018
    Inventor: Basil M. Sabbah
  • Patent number: 10042877
    Abstract: Information is aggregated and made available to users. A system monitors over the internet a first set of external information sources for a first user based on instructions from a first user profile that specifies information to aggregate for the first user. The system detects, based on the monitoring, new data at one of the first set of information sources. The system obtains the new data at the one of the first set of information sources, independent of preferences of the one of the first set of information sources. The system updates aggregated information for the first user with the new data from the one of the first set of information sources. The updated aggregated information for the first user is made available to the first user.
    Type: Grant
    Filed: June 5, 2015
    Date of Patent: August 7, 2018
    Assignee: AT&T INTELLECTUAL PROPERTY I, L.P.
    Inventors: Junlan Feng, Srinivas Bangalore, Michael James Robert Johnston, Taniya Mishra
  • Patent number: 10037505
    Abstract: Systems and methods for protecting business assets are provided.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: July 31, 2018
    Inventor: John Legaré Williams
  • Patent number: 10037567
    Abstract: Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market.
    Type: Grant
    Filed: May 3, 2006
    Date of Patent: July 31, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Gary Allan Kemp, II, Jens-Uwe Schluetter, Harris C. Brumfield, Michael J. Burns, Scott F. Singer
  • Patent number: 10036639
    Abstract: The present disclosure provides methods and systems for determined a route or distance traveled of a vehicle. A computer-implemented method for determining a route of a vehicle during a trip comprises obtaining sensor information from a vehicle and obtaining position information from the vehicle using a global positioning system (GPS) component. Next, a route of the vehicle may be determined based at least in part on the position information and route information provided by a user onboard the vehicle during the trip. For portions of the trip in which the GPS component is not available or accurate, at least a portion of a corresponding route segment may be determined using the sensor information without the position information.
    Type: Grant
    Filed: September 1, 2015
    Date of Patent: July 31, 2018
    Assignee: METROMILE, INC.
    Inventors: Evan Gabriel Turitz Cox, Muhammad Waliji, Dan Richard Preston, Jr., Jose Mercado, Prashant Shukla, Daniel Eric Goodman, Allen Tran
  • Patent number: 10036650
    Abstract: Systems and methods are disclosed for generating a display of a navigation map. The system may comprise a historical data source device having, for example, a historical data source computer and a database storing historical data associated with one or more of vehicle accident data, traffic data, vehicle volume data, vehicle density data, road characteristic data, or weather data. The system may comprise a map data processing device having a map data processing computer and memory storing computer-executable instructions that, when executed by the map data processing computer, cause the map data processing device to, for example, determine, based on a location determining device, a location of a vehicle. The map data processing system may determine one or more historical factors based on the location of the vehicle. The map data processing system may receive, from the historical data source device and for the location, historical data associated with the one or more historical factors.
    Type: Grant
    Filed: January 19, 2017
    Date of Patent: July 31, 2018
    Assignee: Allstate Insurance Company
    Inventors: Sunil Chintakindi, Howard Hayes
  • Patent number: 10037566
    Abstract: The systems, methods, and computer readable mediums described herein provide a secure method for a transaction account issuer to issue a digital pass to an existing transaction account holder (e.g., an existing user) that may be shared and/or provided to a prospective transaction account holder (e.g., a new user). The digital pass may be sharable from an existing user's user device to a new user's user device. The systems, methods, and computer readable mediums described herein may also employ an adaptive web design solution to increase application completion rates by capturing minimal viable information from a prospective member.
    Type: Grant
    Filed: August 21, 2014
    Date of Patent: July 31, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Raghavendra V. Chidella, Hans-Jurgen Greiner, Mallikarj U. Hiremath, Padmaja Kodavanti, Gopinath Kondapally, Simon R. Mableson, Kevin H. Ringger, Kongaraveera Venkata Satya Srinivasu, Ganeshbabu Subramanian, Arun Swamy, Subha Vanavamalai, Undra Viverette
  • Patent number: 10036644
    Abstract: Examples provided herein describe a navigation system to identify routes that take safety considerations into account. The system accesses safety data from various sources and computes safety data for individual road segments of a map database at multiple times for each road segment. The road segment safety data is used when determining routes for requested trips, including estimating the times that the various road segments on the route will be traversed and determining the safety of each road segment at that time.
    Type: Grant
    Filed: January 26, 2018
    Date of Patent: July 31, 2018
    Assignee: Uber Technologies, Inc.
    Inventors: Karna Chokshi, Meron Alon, Sangick Jeon
  • Patent number: 10038716
    Abstract: A system and method for regulating the injection of barcode scan data into an application running on a smart device is provided. The system includes a running application on a smart device. The running application has text fields with text field properties. The text field properties designate to either accept access or restrict access to the text fields from barcode scan data. The system further includes a keyboard buffer and a scan wedge having access to the keyboard buffer. The scan wedge is provided with means to discriminate between access and restricted access designations in the text field properties. The means to discriminate is configured to interrogate the text field properties to determine if the text field permits access to barcode scan data. The scan wedge is also configured to begin a barcode scan operation if the text field permits access to barcode scan data and to load barcode scan data into the keyboard buffer.
    Type: Grant
    Filed: May 1, 2015
    Date of Patent: July 31, 2018
    Assignee: Hand Held Products, Inc.
    Inventors: Erik Todeschini, Daniel D. Yeakley
  • Patent number: 10037571
    Abstract: System and methods for reducing the risks involved in trading multiple spread trading strategies in an electronic trading environment are provided. Specifically, reducing the risks involved in trading multiple spreads that share a leg by, among other things, quoting a single order in the shared leg instead of quoting orders for each of the corresponding spread legs. Based on the computed quote price for the single order, associating the single order with the leaned on price that results in the price closest to the inside market in the shared leg. The single quote order is based on the market conditions in the spread legs and the desired spread price. Once the single order fills, a hedge order is sent to the leg that obtains the most advantageous price for the spread based on the other spread options.
    Type: Grant
    Filed: March 7, 2014
    Date of Patent: July 31, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Alexander D. Deitz, Sagy P. Mintz, David W. Garrison
  • Patent number: 10037558
    Abstract: A computer system and method for automating and facilitating the home sale, mortgage origination, and settlement process, and the home mortgage refinancing origination and settlement process, over a geographically distributed computing network are disclosed. The system and method also allows a home buyer to search for homes offered for sale by a plurality of sellers and, using the home data conforming to the buyer purchase criteria and buyer data, search for loan pricing information for loans from a plurality of lenders, loan pricing information for a plurality of loan types, or both. The system and method then uses this information to process the sale transaction.
    Type: Grant
    Filed: November 20, 2015
    Date of Patent: July 31, 2018
    Inventor: Neil Thomas
  • Patent number: 10037577
    Abstract: A system and method are provided for displaying market related data, such as traded volume at each price level, or any other trader-selected values, using one or more fixed size bars. In one preferred embodiment, a graphical display interface is provided and includes a plurality of fixed size bars that display traded volume at different price levels. In such an embodiment, the length of each bar may correspond to a predefined maximum value, and each bar may be progressively color-coded using a first graphical format to represent traded volume that is lower than the maximum value. If the traded volume exceeds the maximum value, the overflow value may be represented by progressively color-coding the bar using a second graphical format that may be used in relation to the first graphical format color-coding.
    Type: Grant
    Filed: August 29, 2017
    Date of Patent: July 31, 2018
    Assignee: Trading Technologies International, Inc.
    Inventor: Robert A. West