Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10210490
    Abstract: Various aspects of a method and system for processing a monetary transaction are disclosed herein. The method includes registration, at a server, of a first virtual currency instrument that corresponds to a first account and one or more other virtual currency instruments that corresponds to one or more other accounts. The registered first virtual currency instrument is associated with a first value. The method further includes reception, at the server, of a redemption request of the registered first virtual currency instrument to process the monetary transaction. The received redemption request is higher than the first value associated with the registered first virtual currency instrument by an excess value.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: February 19, 2019
    Assignee: SONY CORPORATION
    Inventor: Thomas Ko
  • Patent number: 10210566
    Abstract: Disclosed are method and apparatus that host auctions for completing payment transactions that benefit a party of the transactions. The technique transmits bidding invitations for completing a payment transaction to multiple payment processors. Among the received auction bids, the technique selects a winning bid from an individual payment processor that offers a best benefit to a party involved in the payment transaction (e.g., a consumer or a merchant). Through the auction process, the technique enables a cost-effective routing for completing the payment transaction.
    Type: Grant
    Filed: February 19, 2014
    Date of Patent: February 19, 2019
    Assignee: Square, Inc.
    Inventors: Jesse Dorogusker, Erik Bourget, Hunter Francoeur
  • Patent number: 10210513
    Abstract: Disclosed are an electronic payment method, system and device wherein, in a process for executing an electronic payment, a user's login information is verified in order to determine whether or not the user is a customer having excellent connection frequency, and then the buyer's payment means information and/or preferred payment means information is provided on the basis of the result of the determination, and thus the buyer is able to execute the payment in a more convenient manner.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: February 19, 2019
    Assignee: SK PLANET CO., LTD.
    Inventors: Won Jun Lee, Dong Phil Lim, Hye Youn Chung, Se Hyun Kim
  • Patent number: 10210767
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and generates a target profile based on information from a user. The virtual assessment engine generates a token that includes the user identifier and the target profile and sends the token to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.
    Type: Grant
    Filed: December 13, 2016
    Date of Patent: February 19, 2019
    Assignee: Bank of America Corporation
    Inventors: Joseph N. Johansen, Katherine Dintenfass
  • Patent number: 10210317
    Abstract: A mechanism is provided for verifying an identity of a user using dynamically generated questions based on transactions conducted by the user. Responsive to receiving a request to verify the identity of the user, one or more transaction based sources associated with the user are scanned for a set of transactions conducted by the user within a first predetermined time frame of a current time. A subset of transactions from the set of transactions are randomly selected as the basis for forming a set of questions to be used to verify the identity of the user. The set of questions are generated such that the user is required to identify one or more details about the subset of transactions in order to verify the user's identity. Responsive to the user correctly answering the one or more details about the subset of transactions, the user is authenticated.
    Type: Grant
    Filed: August 15, 2016
    Date of Patent: February 19, 2019
    Assignee: International Business Machines Corporation
    Inventors: Duncan S. Anderson, Oliver C. W. Blodgett, Timothy Durniak, Mikaela R. Moore, Martin Schmid
  • Patent number: 10209085
    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: May 2, 2018
    Date of Patent: February 19, 2019
    Assignee: Uber Technologies, Inc.
    Inventors: Karna Chokshi, Meron Alon, Sangick Jeon
  • Patent number: 10210520
    Abstract: A co-processing fraud risk scoring system for scoring electronic payment transactions for potential fraud is described. Additionally, a method and a computer-readable storage medium for scoring electronic payment transactions for potential fraud are described.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Srinivasarao Nidamanuri, Daryl Hurt
  • Patent number: 10210509
    Abstract: A method for processing a payment transaction using a hybrid payment card includes: storing an account profile, the profile including data related to a hybrid payment card including a prepaid balance and a credit allowance; receiving a validation request, the request including a transaction amount; processing the received validation request, the processing including: generating a positive validation response and a validation transaction that indicates payment is made using the prepaid balance if the prepaid balance is greater than the transaction amount, generating a positive validation response and a validation transaction that indicates payment is made using the credit allowance if the prepaid balance is less than the transaction amount and if the credit allowance is greater than the transaction amount, and generating a negative validation response if the prepaid balance and credit allowance are less than the transaction amount; and transmitting the generated validation response.
    Type: Grant
    Filed: November 26, 2014
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Marina Acosta
  • Patent number: 10204141
    Abstract: A duplicate lead removal system comprises a matching engine, a vendor duplicates database, and a conflict engine. The matching engine is configured to determine at least one vendor to receive a lead. The vendor duplicates database is configured to store duplicate lead information that is at least partly created by and received from vendors outside of the duplicate lead removal system. The conflict engine is configured to compare information that is at least derived from the lead with information stored in the vendor duplicates database in order to determine if the lead is a duplicate lead for the vendor such that the system can prevent transmission of duplicate leads to the vendor.
    Type: Grant
    Filed: August 17, 2015
    Date of Patent: February 12, 2019
    Assignee: LMB MORTGAGE SERVICES, INC.
    Inventors: Stephen Semprevivo, Matt Wells
  • Patent number: 10204333
    Abstract: Geographical location information provided by a mobile device is used as a control on the use of a payment card as described. Mobile device identification is linked to a payment card account such that when a payment card authorization request is received, information about the geographic location of the origination of the request is checked against the geographic location provided by the mobile device, and if there is a match, the transaction can further processed for authorization or directly authorized.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: February 12, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Pablo Fourez
  • Patent number: 10204518
    Abstract: Systems and methods are disclosed for identifying high risk parking lots. High risk parking lots may be, for example, parking lots that pose a higher than average risk of collisions and/or theft. Auto insurance claim data may be analyzed to identify hazardous areas. A virtual navigation of roads within the hazardous area may be identified. Public parking lots within the virtual navigation map may be defined, with each public parking lot determined as either in a hazardous area or not. A vehicle may be determined to be approaching or parking in a parking lot in a hazardous area, and a nearby public parking lot not associated with the hazardous area may be selected instead. A route from a current position to the nearby public parking lot may be generated, and the vehicle may be routed to the nearby public parking lot. As a result, collisions and thefts may be reduced.
    Type: Grant
    Filed: April 12, 2018
    Date of Patent: February 12, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: John A. Nepomuceno, Leo Nelson Chan, Steven C. Cielocha, Roxane Lyons, Matthew S. Megyese, William J. Leise, Jennifer Criswell Kellett, Kristopher Keith Gaudin, Jennifer L. Crawford, Jeremy Myers, Edward P. Matesevac, III, Rajiv C. Shah
  • Patent number: 10204238
    Abstract: According to some exemplary embodiments, the present technology is directed to methods for managing a data incident, including receiving, via a risk assessment server, in response to an occurrence of the data incident, data incident data that comprises information corresponding to the data incident, the data incident further comprising intentional or unintentional compromise, disclosure or release of personal data or personally identifiable information to an untrusted or unauthorized environment, automatically generating, via the risk assessment server, a risk assessment and decision-support guidance whether the data incident is reportable from a comparison of the data incident data to privacy rules, the privacy rules comprising at least one European General Data Privacy Regulation (GDPR) rule, each rule defining requirements associated with data incident notification obligations, and providing, via the risk assessment server, the risk assessment to a display device that selectively couples with the risk asse
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: February 12, 2019
    Assignee: RADAR, Inc.
    Inventors: Mahmood Sher-Jan, Kelly Burg, Nicholas J. Church, Reno Brown, Tim Garton, Andrew Migliore
  • Patent number: 10204161
    Abstract: A method and apparatus for facilitating data management over a network are described. In one embodiment, a request to display aggregate transaction data for a user is received, the aggregate transaction data containing data related to multiple disparate transactions organized into categories based on corresponding category codes and transaction codes associated with each transaction. The aggregate transaction data are retrieved from a database. A report containing the aggregate transaction data is generated and displayed for the user in a user interface area.
    Type: Grant
    Filed: November 10, 2008
    Date of Patent: February 12, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Matthew Krakowiecki, Pearl Kolling, Jack Mackouse, Kevin Rhein, Elizabeth Hoople, Kathy Yee
  • Patent number: 10204374
    Abstract: In some examples, a fulfillment service may receive a purchase order for delivery of one or more items. In response, the fulfillment service may determine an initial risk score representing a first probability that the purchase order is a potentially fraudulent transaction. In addition, the fulfillment service may request fulfillment of the purchase order based on the initial risk score being below a predetermined threshold. During fulfillment of the purchase order, the fulfillment service may monitor one or more attributes associated with the purchase order. Further, the fulfillment service may determine a revised risk score based on monitoring the one or more attributes. In some cases, the fulfillment service may cancel fulfillment of the purchase order based at least in part on the revised risk score.
    Type: Grant
    Filed: June 15, 2015
    Date of Patent: February 12, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Eric Steven Holan, Hua Tang
  • Patent number: 10198756
    Abstract: A method and associated e-commerce system for dynamically repricing an online subscription automatically identify a competing offer that offers a product that is equivalent to a subscribed product. If the competing offer offers a quantity of the equivalent product that is different from a quantity specified by the subscription, or if the competing offer is effective during a period of time that differs from a replenishment period of the subscription, the system automatically reconciles the differences and compares the resulting unit cost of the subscription product to the unit cost of the competing offer product. The system then determines whether it would be more beneficial to the subscriber to reprice a certain number of units of the subscription or to reprice the subscription for a certain period of time, and raises or lowers the price of the subscription accordingly as a function of this determination.
    Type: Grant
    Filed: December 18, 2017
    Date of Patent: February 5, 2019
    Inventor: Julian Van Erlach
  • Patent number: 10198740
    Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: February 5, 2019
    Assignee: Worldpay, LLC
    Inventors: Brent Alan Badger, Jacob Matthew Sterling
  • Patent number: 10192073
    Abstract: A system and method for block reconciliation of interactions comprising a network-connected block reconciliation computer connected to a plurality of connected devices and to one or more blockchains to enable an object compiler to receive a plurality of criteria from a requesting device. The compiler the receives a plurality of blocks from the public ledger blockchains based on the criteria. Each block corresponding to a preconfigured interaction object previously written by devices either during or after the completion of a transaction. The compiler analyzes the preconfigured interaction objects to determine if there is corresponding supplemental object. The compiler requests the supplemental blocks from the blockchains, and processes supplemental objects based on type, if no corresponding supplemental object it found, the associated interaction object is flagged.
    Type: Grant
    Filed: February 1, 2018
    Date of Patent: January 29, 2019
    Inventor: Gustavo Manuel Damil Marin
  • Patent number: 10192275
    Abstract: An automated real estate valuation system for a selected specific property, that uses specific property input attributes items and a plurality of primary token features that are disposed within a specific tract of land, in addition, a plurality of recently sold property input data set items and a plurality of secondary token features that are disposed within the same specific tract of land. Sold properties are qualified by being within first and second ranges of first and second matched items to the specific property, wherein common features are removed and remaining features are given a tokenized grouping and weight via an algorithm to explain price per square foot differences between sold properties. These weights are used determine a calculated value of the specific property by determining a calculated value per square foot based upon the weight of the features associated with the specific property.
    Type: Grant
    Filed: March 30, 2015
    Date of Patent: January 29, 2019
    Inventor: Creed Smith
  • Patent number: 10192269
    Abstract: System and methods for a connection proxy server are described. According to an example method described herein, a connection proxy server stores subscription, product tables as well as other downloads that are provided to a client terminal during initialization stage as well as later during a trading session. Upon detecting that a connection between the client terminal and a gateway is lost, the connection proxy maintains a communication session created for the client terminal at the gateway and receives data intended for the client terminal. If the connection is re-established between the client terminal and the gateway during a predetermined period of time, the connection proxy provides the stored data to the client terminal thus avoiding a surge in processing resources at the gateway due to the necessary downloads.
    Type: Grant
    Filed: September 8, 2015
    Date of Patent: January 29, 2019
    Assignee: Trading Technologies International, Inc.
    Inventor: Neil P. Crouch
  • Patent number: 10192196
    Abstract: In some embodiments, apparatuses and methods are provided herein useful to tracking the handling of product recalls by product distribution centers affected by the recalls. In some embodiments, there is provided a system including: a first electronic interface receiving input of recall information; a second electronic interface at a group of product distribution centers receiving notifications of product recalls; a database configured to receive and store the recall information; and a control circuit configured to: create a record for the product recall; determine the distribution centers having products affected by the recall and assign the recall to those affected distribution centers; transmit a notification to each distribution center having products affected by the recall; receive confirmation of receipt of the notification; receive a disposition of an action of the recall from each affected distribution center; and update the database with the disposition by each affected distribution center.
    Type: Grant
    Filed: May 2, 2017
    Date of Patent: January 29, 2019
    Assignee: Walmart Apollo, LLC
    Inventor: Andrew B. Millhouse
  • Patent number: 10189574
    Abstract: An electrical propulsion system for a vehicle. The electrical propulsion system includes at least one generator. The electrical propulsion system also includes at least one drive engine coupled to the at least one generator. The electrical propulsion system further includes at least one electrical device and at least one battery integrated power converter (BIC). The at least one generator and at least one of the at least one BIC and the at least one electrical device are coupled. The at least one BIC and the at least one electrical device are coupled.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: January 29, 2019
    Assignee: GENERAL ELECTRIC COMPANY
    Inventors: Rui Zhou, Hao Huang, Manoj Ramprasad Shah, Dong Dong
  • Patent number: 10185647
    Abstract: The supporting of debugging of failed vertex code on a test machine. This debugging is made possible even though the vertex code failed while on a remote processing node, and is but one of multiple, and potentially innumerable vertices that run in a distributed environment. This represents a vast technical improvement over prior ad hoc methods for trying to debug a large distributed application, since time is not wasted on vertices that operated properly, but rather debugging is focused on the problem vertex. Even reproducing the failure is a huge technical step forward.
    Type: Grant
    Filed: May 12, 2016
    Date of Patent: January 22, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Na Gao, Yifung Lin, Omid Afnan, Dian Zhang
  • Patent number: 10185953
    Abstract: A system and method for registering a payment card so that if the payment card is lost, a replacement payment card can quickly and easily be reported, and shipment of a replacement payment card can be initiated. The location to which the replacement payment card is to be shipped can be specified, and an estimate can be received for its time of arrival at that location. The estimated time of arrival of the replacement card can be updated with real time information.
    Type: Grant
    Filed: February 22, 2013
    Date of Patent: January 22, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kiran Shenoy, Marlowe Valdeabella, Mandeep Sandhu
  • Patent number: 10187764
    Abstract: A system and method for automatic electronic payment based on the detection of a mobile station adapted to operate in a cellular telecommunications network. The system and method transmit, on the part of a transmitter associated with a Near Field Focused (NFF) base station, which is external to the cellular telecommunications network, a signal that indicates the presence of the NFF base station by mimicking the signal of an antenna of the cellular network. A request for connection to the NFF base station that originates from the mobile station is detected. An identity request signal to the mobile station is transmitted. The system and method detect an identity reply signal sent by the mobile station. Identification data of a subscriber is determined. The subscriber is billed on the basis of the determined subscriber identification data.
    Type: Grant
    Filed: February 8, 2012
    Date of Patent: January 22, 2019
    Assignee: EUREKA S.A.
    Inventor: Andrea Modiano
  • Patent number: 10185967
    Abstract: Systems and methods for near-field communications with a mobile device are disclosed. In one embodiment, a computer-implemented method for near-field communication may comprise: detecting, by a source device located at a point-of-sale, the proximity of a receiving device; encoding purchase data on an audio signal with one or more ultrasonic frequencies; and transmitting the encoded purchase data to the receiving device, wherein the encoded purchase data is transmitted using a speaker of the source device.
    Type: Grant
    Filed: January 3, 2018
    Date of Patent: January 22, 2019
    Assignee: Facebook, Inc.
    Inventors: Abheek Anand, Soham Mazumdar
  • Patent number: 10181157
    Abstract: System and method for aggressively trading a spread trading strategy in an electronic environment are provided herein. According to the example embodiments, a trader may configure the automated trading tool to trade as aggressively as possible by leaning on a price without an associated quantity. This allows a trader to possibly obtain a more profitable price as well as get filled faster. Traders submit an order for a spread and the automated trading tool calculates the quote order price based on a defined level of aggressiveness, the leaned on price, and the desired spread price. Based on the level of defined aggressiveness and the gap in the market, the automated trading tool may lean on a mildly, moderately, or extremely aggressive price.
    Type: Grant
    Filed: July 2, 2013
    Date of Patent: January 15, 2019
    Assignee: Trading Technologies International, Inc.
    Inventors: Nicholas G. Kontos, Sagy P. Mintz, Alexander D. Deitz
  • Patent number: 10180895
    Abstract: Mechanisms are provided for propagating source identification information from an application front-end system in an application layer to a data layer inspection system associated with a back-end system. An incoming user request is received, at the data layer inspection system, from a gateway system associated with the application front-end system. One or more outgoing statements targeting a back-end system are received at the data layer inspection system. The data layer inspection system accesses a mapping data structure based on the one or more outgoing statements to thereby correlate the one or more outgoing statements with the incoming user request. The data layer inspection system retrieves source identification information associated with the incoming user request based on the correlation of the one or more outgoing statements with the incoming user request. The data layer inspection system performs a data layer inspection operation based on the source identification information.
    Type: Grant
    Filed: April 22, 2016
    Date of Patent: January 15, 2019
    Assignee: International Business Machines Corporation
    Inventors: Ron Ben-Natan, Leonid Rodniansky
  • Patent number: 10176522
    Abstract: Techniques are described for monitoring a plurality of financial transactions of a customer performed across a plurality of financial accounts. The techniques may include determining a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions. The techniques may further include identifying a suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions. The techniques may further include presenting the suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts.
    Type: Grant
    Filed: March 24, 2016
    Date of Patent: January 8, 2019
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Margot Lockwood-Stein, Peter L. Shen, Amita Kheterpal
  • Patent number: 10178111
    Abstract: Aspects and examples are disclosed for providing compressed risk assessment messages for real-time transmission to online services. For example, a request for a compressed risk assessment message about an entity is received from an online service. The compressed risk assessment message is generated by executing a risk assessment algorithm with at least some data about the entity. The compressed risk assessment message indicates a risk associated with the entity. The risk is indicated using less data than a detailed risk assessment generated by the risk assessment system, which may include an explanation indicating how the risk is determined. The compressed risk assessment message is transmitted to an online service that requests the compressed risk assessment. In some aspects, a detailed risk assessment is generating using the risk assessment algorithm, and, subsequent to transmitting the compressed risk assessment message, is transmitted to the online service.
    Type: Grant
    Filed: September 26, 2016
    Date of Patent: January 8, 2019
    Assignee: Equifax Inc.
    Inventors: John Wilson, Kevin D. Leslie, Kristina Barronton, Gregory Marholin
  • Patent number: 10176468
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: June 10, 2016
    Date of Patent: January 8, 2019
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10176529
    Abstract: An activity evaluator includes an evaluation module configured to collect human activity data from at least two sensors, which may include a sensor on equipment, a location sensor, an RFID sensor, a physiological sensor, a weight sensor, a chemical sensor, a heat sensor, a pressure sensor and a camera, and analyze the collected data to determine an activity evaluation indicative of an activity safety level. A communications module is configured to communicate at least one of the activity evaluation and the collective activity level-related data to a distinct computer system. The activity evaluation may be employed in providing feedback to an individual.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: January 8, 2019
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Andrew J. Amigo, Michael Gingrave
  • Patent number: 10175997
    Abstract: A method for storage retrieval, including receiving a request for application content. The request includes a first field identifier. The method further includes submitting a query to a content repository, for each asset including the first field identifier, receiving a first asset including the first field identifier and a second asset including the first field identifier, and extracting a first variability tag from the first asset and a second variability tag from the second asset based on the first asset having a matching asset property value to the second asset. The first asset and second asset are scored based at least on the first variability tag and at least on the second variability tag to obtain a first and second score, respectively. The method further includes selecting the first asset based on the first score and the second score, and transmitting the first asset as the application content.
    Type: Grant
    Filed: November 26, 2014
    Date of Patent: January 8, 2019
    Assignee: Intuit Inc.
    Inventors: Jay JieBing Yu, Matthew Sivertson, Vinay Kumar
  • Patent number: 10169819
    Abstract: A system for strategy based exit planning comprises a processor and a memory. The processor is configured to receive an indication to create an exit plan; and create an exit plan for a strategy, wherein the strategy comprises one or more instruments. The memory is coupled to the processor and configured to provide the processor with instructions.
    Type: Grant
    Filed: September 18, 2009
    Date of Patent: January 1, 2019
    Assignee: E*TRADE Financial Corporation
    Inventor: Aric Forsythe
  • Patent number: 10169755
    Abstract: A system and method of funding a financial transaction card, providing a financial transaction card to a user, wherein the financial transaction card has a face value and wherein an amount of funds pertaining to the face value is placed in a liability account, and wherein the financial transaction card has an actual value of zero, activating the financial transaction card by the user; and funding a funds pool for the financial transaction card with the funds from the liability account after the activation of the financial transaction card, wherein only funds from the funds pool is available for conducting a purchase.
    Type: Grant
    Filed: December 19, 2012
    Date of Patent: January 1, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: David Ross Baumgartner, IV
  • Patent number: 10168812
    Abstract: This application describes, in part, system and methods for reducing unintentional performance of actions, such as orders, on a computing device. In some implementations, ordering may be controlled by identifying an input within an action region and determining that the input is an intentional input before completing an order. For example, to be considered an intentional input, the input may need to remain in an action region for a predetermined time duration, or may need to move across a majority of the action region.
    Type: Grant
    Filed: August 14, 2017
    Date of Patent: January 1, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Andrew Joseph Yates, Te-Lin Tuan, James M. Cook
  • Patent number: 10169382
    Abstract: Financial data that contains a least one financial entry relating to procurement of goods, services, materials and/or items. The financial data is cleansed to remove information contained within the at least one financial entry. The keywords are determined within the at least one financial entry of the financial data and a database that includes a plurality of databases entries is searched for a database entry that corresponds to the keywords determined in the at least one financial entry of the financial data. An identification number in the database entry that corresponds to the keywords determined in the at least one financial entry of the financial data and updating the at least one financial entry of the financial data to include the determined identification number. The updated financial procurement data is transmitted to a computing device.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: January 1, 2019
    Assignee: International Business Machines Corporation
    Inventors: Sadikali Andikkad Perunthan, Santosh Das, Ram Gour, Vikas P. Manwatkar
  • Patent number: 10163099
    Abstract: A computer system for use with a memory device for facilitating electronic payments to a payee from an account associated with a payor is provided. Payor profile information is stored in the memory device, which payor profile information is associated with the payor. A token identifier is created which is associated with the payor profile information. The token identifier is transmitted to a payee, for retransmittal of the token identifier by the payee to the computer system during a subsequent transaction between the payor and the payee.
    Type: Grant
    Filed: June 5, 2014
    Date of Patent: December 25, 2018
    Assignee: Mastercard International Incorporated
    Inventor: Brian J. DuCharme
  • Patent number: 10163291
    Abstract: A money handling system allows easy handling of money, which is processed in a first money handling apparatus installed in a shop and the like, in a second money handling apparatus installed in another place. The money is transported using a container in which the money is stored in mixed state. The second money handling apparatus receives, recognizes and counts the money of a plurality of transactions processed by the first money handling apparatus. Based on money information generated when processed by the first money handling apparatus and a recognition and counting result obtained by the second money handling apparatus, it is determined whether the money recognized and counted by the second money handling apparatus matches with the money from the plurality of transactions processed by the first money handling apparatus.
    Type: Grant
    Filed: November 25, 2015
    Date of Patent: December 25, 2018
    Assignee: GLORY LTD.
    Inventors: Toshio Numata, Tetsuya Tameike
  • Patent number: 10163082
    Abstract: A method for collecting a payment. The method includes sending, to a payor, a request for the payment, wherein the request comprises an original payment amount and an original payment due date, generating, based on a set of payment collection records from an online financial management application used by payees, a payment statistical measure representing a payment behavior of payors paying the payees, generating, based on the payment statistical measure, the original payment amount, and the original payment due date, an adjusted payment amount and a condition to qualify the adjusted payment amount for completing the payment, enabling, prior to the payor completing the payment, the payor to view the adjusted payment amount and the condition, wherein the payor completes the payment in response to at least the payor viewing the adjusted payment amount and the condition, and collecting the payment completed by the payor.
    Type: Grant
    Filed: October 26, 2015
    Date of Patent: December 25, 2018
    Assignee: INTUIT INC.
    Inventors: Cem Unsal, Per-Kristian G. Halvorsen, Todd Elliott, Roger Charles Meike, Calum G. Murray, Jason Hardiman
  • Patent number: 10158694
    Abstract: A method for adding a selected attribute to a mobile asset management application is provided. The method includes displaying an import fields dialog to a user, receiving from the user a selection of a selected object of an asset database, receiving from the user a selection of the selected attribute of the selected object, retrieving a set of one or more resources, automatically modifying a build file if at least a first condition is met, automatically acquiring a new RDF file from an asset management server if at least a second condition is met, and automatically generating an updated application definition file by updating code relating to the set of retrieved resources.
    Type: Grant
    Filed: November 19, 2015
    Date of Patent: December 18, 2018
    Assignee: Total Resource Management, Inc.
    Inventors: Andrew Joseph Mahen, Albert M. Johnson, Jr.
  • Patent number: 10152714
    Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.
    Type: Grant
    Filed: April 28, 2016
    Date of Patent: December 11, 2018
    Assignee: Capital One Services, LLP
    Inventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
  • Patent number: 10152752
    Abstract: Exemplary methods and systems for creating uncorrelated trading strategies and deriving associated implied probability distributions of the price of an underlying financial instrument at future times are disclosed, applicable to stock market prices, interest rates, currency exchange rates, commodity prices and credit spreads.
    Type: Grant
    Filed: December 5, 2016
    Date of Patent: December 11, 2018
    Inventor: Ronald L. Johannes
  • Patent number: 10152755
    Abstract: A system and method for calculating variable consideration for performance obligations. The method can involve, checking a database for historical transaction data, accessing the historical transaction data, and applying one or more predetermined variable consideration rules to the historical transaction data. The method can include automatically analyzing the historical transaction data generating an analysis report based on the data. The method can include uploading predetermined corrections to variable consideration transactions to a database or other storage medium and applying the corrections to historical performance obligation transaction data. The method can include determining whether variable consideration changes should be applied to individual transaction lines within the variable consideration transactions.
    Type: Grant
    Filed: January 21, 2016
    Date of Patent: December 11, 2018
    Assignee: Zuora, Inc.
    Inventors: Jagan Balsundaram, Seshagiri Chilukuri, Katherine Pearson, Karthikeyan Ramamoorthy
  • Patent number: 10147144
    Abstract: A transaction tracking system includes a display that permits viewing the relationship between related transactions. In the display, individual transactions are depicted as transaction icons sorted in time order horizontal rows according to order ID.
    Type: Grant
    Filed: May 11, 2015
    Date of Patent: December 4, 2018
    Assignee: Nice Ltd.
    Inventors: Yoram Pomer, Sivan Landau, Itai Veltzman
  • Patent number: 10147137
    Abstract: Certain example embodiments described herein relate to systems and/or methods for electronic trading. An example embodiment stores pre-trade order evaluation rules in a memory. The embodiment includes receiving at least one trading order, determining a sequencing of the pre-trade order evaluation rules based on one or more dynamically updated performance metrics associated with the pre-trade order evaluation rules, applying the pre-trade order evaluation rules to the at least one received trading order in accordance with the determined sequencing, and based on results from the applying, either transmitting the at least one received trading order to a trading exchange or rejecting the at least one received trading order.
    Type: Grant
    Filed: October 16, 2014
    Date of Patent: December 4, 2018
    Assignee: SOFTWARE AG
    Inventor: Martin Bent
  • Patent number: 10140357
    Abstract: Techniques are provided for anomaly, association and clustering detection. At least one code table is built for each attribute in a set of data. A first code table corresponding to a first attribute and a second code table corresponding to a second attribute are selected. The first code table and the second code table are merged into a merged code table, and a determination is made to accept or reject the merged code table. An anomaly is detected when a total compression cost for a data point is greater than a threshold compression cost inferred from one or more code tables. An association in a data table is detected by merging attribute groups, splitting data groups, and assigning data points to data groups. A cluster is inferred from a matrix of data and code words for each of the one or more code tables.
    Type: Grant
    Filed: November 11, 2016
    Date of Patent: November 27, 2018
    Assignee: International Business Machines Corporation
    Inventors: Leman Akoglu, Hanghang Tong
  • Patent number: 10140660
    Abstract: Systems and methods for enforcing compliance with fiduciary responsibilities related to the administration of a retirement plan are disclosed. The systems and methods include accessing compliance requirements corresponding to the fiduciary responsibilities related to administration of the retirement plan by a fiduciary. Upon accessing the requirements, compliance tasks are extracted in an example implementation. Once compliance tasks are extracted from the requirements, due dates for the compliance tasks are determined based on dates associated with the compliance requirements, or in some examples based on date chosen by a fiduciary. The compliance tasks are then stored in a database, in an example. The systems and methods then monitor the one or more compliance tasks and send alerts based on monitored activities. Finally, in an example implementation, responses to the alerts are tracked to determine whether any follow up action needs to be triggered.
    Type: Grant
    Filed: March 24, 2009
    Date of Patent: November 27, 2018
    Assignee: Fiduciary Compliance Corp.
    Inventors: Larry E. Crocker, William Sean Harrison
  • Patent number: 10140659
    Abstract: The disclosed embodiments relate to improving the efficiency of an electronic trading system for interest rate swaps (“IRS”) by allowing for IRS contracts to be funded in a base currency while the cash flows, e.g. coupon payments, price alignment interest, variation margin, are denominated in a local currency different from the base currency. Thereby cash flows may be netted and offset minimizing the magnitude of funds needed to be moved and reducing the number of transactions processed by the electronic trading system as well as the consumption of computational resources thereby. Furthermore, the disclosed embodiments facilitate entering into IRS transactions is a currency different from the currency of cash flows while eliminating Herstatt risk due to volatility of foreign exchange rates, which allows for increased off shore participation and thereby increased transaction volume.
    Type: Grant
    Filed: October 7, 2015
    Date of Patent: November 27, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Panagiotis Xythalis, Jay Zhu, Fateen Sharaby, Dhiraj Bawadhankar, Molang Dong
  • Patent number: 10140737
    Abstract: In a data visualization system, a method of arranging, in n dimensions, data points representing n or more variables, the method including the steps of: a data point ranking module ranking a set of data points with respect to a first axis of a visual representation using a first variable; and based on a second variable, a data point distribution module distributing the set of data points along the first axis while retaining information relating to the ranking of data points determined in step i).
    Type: Grant
    Filed: April 27, 2016
    Date of Patent: November 27, 2018
    Assignee: New BIS Safe Luxco S.à.r.l
    Inventor: Andrew John Cardno
  • Patent number: 10135843
    Abstract: The present disclosure discloses a system and method for dynamically modifying role based access control for a client based on the activity. Generally, a client device is granted access to a network resource based on a first reputation score assigned to the client device. The activity of the client device is monitored. Responsive to monitoring the activity of the client device, a second reputation score is determined for the client device based on the activity. The access by the client device to the network resource is then modified to be granted based on the second reputation score.
    Type: Grant
    Filed: November 21, 2017
    Date of Patent: November 20, 2018
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Ramesh Ardeli, Hari Krishna Kurmala