Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 9870596
    Abstract: Community development is supported by a community rating. Community ratings for various communities are compared to identify a preferred community. Historical community ratings are determined for the preferred community. Community rating trends are identified for the community and these trends are used for predicting future community rating(s) to support development decisions.
    Type: Grant
    Filed: September 18, 2014
    Date of Patent: January 16, 2018
    Assignee: International Business Machines Corporation
    Inventors: Kyle R. Babinowich, Sailee S. Latkar, Joseph G. Schiavo, IV
  • Patent number: 9866614
    Abstract: A system and method are presented for addressing or requesting different versions of a web resource. A first web server electronically connected to a computer network receives from a requestor a first web resource request. The first web resource request includes a bucket cookie and a first web resource address for a first web resource. The bucket cookie includes at least one resource-related bucket cookie value. A second web resource request is generated. The second web resource request corresponds to at least a second web resource required to fulfill the first web resource request. The second web resource request is different from the first web resource request and includes a second web resource address corresponding to the second web resource and including the bucket cookie. The second web resource request is transmitted to a second web server.
    Type: Grant
    Filed: December 28, 2016
    Date of Patent: January 9, 2018
    Assignee: Go Daddy Operating Company, LLC
    Inventors: Jeffrey M. Burke, Ricardo Canedo, Thomas J. Femiani, Michael J. Micco
  • Patent number: 9864976
    Abstract: A facility for initiating a funds transfer operation is described. The facility displays on a mobile device identity verification information for other people each associated with another mobile device within a maximum distance. For example, the displayed identity verification information may be a picture of the person. The user may select one of these in order to initiate a funds transfer operation to the selected person.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: January 9, 2018
    Assignee: Simple Finance Technology Corp.
    Inventors: Thomas Wanielista, Tad Fisher, Matthew Moyer, Colin Ruffenach, Tristan Waddington, Jarred Ward
  • Patent number: 9864979
    Abstract: When settlement terminal device performs a settlement process with a settlement destination device (for example, an acquirer or a settlement processor), settlement terminal device displays a screen regarding the settlement process on display unit of touch panel and detects an input operation of important key input reception icon displayed on display unit. CPU determines whether an input operation with respect to this important key input reception icon, that is, an operation for selecting important key input reception icon and dragging and dropping important key input reception icon to YES icon has been performed. When a drag and drop operation of important key input reception icon is detected, CPU executes content of the input operation with respect to important key input reception icon, and transmits a settlement processing request to the settlement destination device. Settlement terminal device facilitates the operator being conscious of an operation with respect to a specific target.
    Type: Grant
    Filed: May 6, 2015
    Date of Patent: January 9, 2018
    Assignee: Panasonic Intellectual Property Management Co., Ltd.
    Inventor: Makoto Sasaki
  • Patent number: 9866564
    Abstract: A system, method and computer program product for providing a secure data channel between a user and associates. The method may receive pushed information from an associate, including, e.g., an update to the user profile information, related information, or personalized content for the user. The method can convey to the user, personal information including a selectable union of the user profile information, the related information, and/or the personalized content. The method can further share access to the personal information to a family, where the family can include another user, users, or multiple related users. The pushed information can include textual, digitized audio, digitized video, graphical image, or other data, and can include prescription, automobile service, or purchased product information, or voicemail messages.
    Type: Grant
    Filed: October 20, 2014
    Date of Patent: January 9, 2018
    Assignee: Xylon LLC
    Inventors: David A. Bolnick, Robert M. Krauthamer, Steven Esses
  • Patent number: 9865002
    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: August 5, 2014
    Date of Patent: January 9, 2018
    Assignee: Facebook, Inc.
    Inventors: Abheek Anand, Soham Mazumdar
  • Patent number: 9865014
    Abstract: A customer terminal of a “self-scanning shopping” system, which is configured to store at least one shopping session in a non volatile memory, includes a main processor, a product code reader, a location for non volatile storage of an open shopping session indicator and/or an identifier, either direct or indirect, of a shopping session, and a supervisor circuit. In a working operating state, the main processor periodically sends a heartbeat to the supervisor circuit. The supervisor circuit commands a reset of the main processor when, from the lack of receipt of the heartbeat, it detects a non working operating state of the main processor. The main processor, upon reset, checks whether there is an open shopping session based on the contents of said memory location and in the affirmative case restores said shopping session.
    Type: Grant
    Filed: December 21, 2012
    Date of Patent: January 9, 2018
    Assignee: DATALOGIC IP TECH S.R.L.
    Inventors: Sandro Codato, Paolo Mazzocato, Marco Lizza
  • Patent number: 9860389
    Abstract: A mobile virtual network operator is provided. The operator includes a server that is communicatively coupled to a mobile device. The mobile device includes application software provided by the virtual network operator for allowing phone call and data connectivity.
    Type: Grant
    Filed: September 26, 2016
    Date of Patent: January 2, 2018
    Assignee: Seven Networks, LLC
    Inventor: Trevor Fiatal
  • Patent number: 9858622
    Abstract: A system and method to facilitate providing vehicle insurance services includes correlating vehicle information with a specialty vehicle data identifier, storing the correlated vehicle information in a memory, and associating the correlated vehicle information with one or more discrete vehicle data identifiers, wherein in response to a search request of the memory, discrete vehicle data identifiers including vehicle information that substantially matches at least a portion of a search term are identified and compiled into an output provided in an accessible format.
    Type: Grant
    Filed: August 31, 2015
    Date of Patent: January 2, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Christina P. Mullen, William J. Leise, Douglas Albert Graff
  • Patent number: 9852472
    Abstract: Systems and methods for implementing trading software that includes a computer, selling execute a sell transaction, and buying execute a buy transaction. An executing area on the computer display has a price offer indicator, a sell price indicator, a buy price indicator, and a percentage in point spread, whereby the price offer indicator defines a first price for a unit of a specified stock, bond, currency, and/or commodity to be traded shown at the stocks, bonds, currencies, and/or commodities data. The sell price indicator defines a second price to sell each unit to be traded shown at the stocks, bonds, currencies, and/or commodities data, positioned vertically below the sell price indicator. The buy price indicator defines the price to buy each unit, and the percentage in point spread defines a spread, being a difference between the buy price indicator and the sell price indicator.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: December 26, 2017
    Inventor: Martin Armando Martinez
  • Patent number: 9851701
    Abstract: A method, energy usage analysis device, and non-transitory computer readable medium that obtain an amount of energy generated from wind resources and thermal resources at a plurality of intervals over a specified time period. An amount of energy consumed by a user at each of the intervals is obtained. An energy source wind number value is generated for each of the intervals based on the respective amount of energy generated from the wind resources and the thermal resources. An energy consumption wind number value is generated for each of the intervals based on the respective energy source wind number value and the respective amount of energy consumed by the user. An overall wind number value is generated for the specified time period based on the energy consumption wind number values and the amount of energy consumed at each of the intervals. The overall wind number value is output.
    Type: Grant
    Filed: November 13, 2014
    Date of Patent: December 26, 2017
    Assignee: Sabreez, LLC
    Inventor: William Scott Hoppe
  • Patent number: 9848001
    Abstract: Securing access to one or more applications in an enterprise zone (e.g., a set of protected applications) is disclosed. A last activity time associated with a use of at least one mobile application in the protected subset may be retrieved from a shared storage location associated with a protected subset of two or more protected mobile applications. It may be determined that the last activity time is within a session expiration time period associated with the protected subset. Access to one or more applications in the protected subset may be allowed without credential verification based at least in part on the determination.
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: December 19, 2017
    Assignee: MOBILE IRON, INC.
    Inventors: Mansu Kim, Joshua Sirota, Suresh Kumar Batchu
  • Patent number: 9841961
    Abstract: A system and method manages communications between applications and multiple user computing systems, according to one embodiment. The method and system includes establishing one or more virtual assets in an asset computing environment and installing an application onto the one or more virtual assets in the asset computing environment, according to one embodiment. The system and method receives a first request from a first user computing system and a second request from a second user computing system and delivers the first request and the second request to the application, according to one embodiment. The system and method receives a first result from the application for the first request and a second result from the application for the second request and distributes the first result to the first user computing system and the second result to the second computing system, according to one embodiment.
    Type: Grant
    Filed: July 29, 2014
    Date of Patent: December 12, 2017
    Assignee: Intuit Inc.
    Inventor: Thomas Whitcomb
  • Patent number: 9843534
    Abstract: An approach is provided for managing the provisioning and utilization of resources. A management platform determines a request from a user for execution of one or more data processing tasks by a remote computing service. The management platform also processes and/or facilitates a processing of at least one execution constraint associated with the user, a group associated with the user, or a combination thereof to determine a maximum number of clusters, cluster instances, or a combination thereof of the remote computing service to be provisioned for fulfilling the request. The management platform further causes, at least in part, a provisioning of one or more clusters, one or more cluster instances, or a combination thereof to the user, the group, or a combination thereof to within the maximum number of clusters, cluster instances, or a combination thereof based on the at least one execution constraint.
    Type: Grant
    Filed: December 18, 2014
    Date of Patent: December 12, 2017
    Assignee: HERE Global B.V.
    Inventors: Brent D. McFarlin, James M. Burke, MacGregor Felix
  • Patent number: 9842344
    Abstract: A shareholder investment system and method is provided. At least certain embodiments relate to processing of loyalty rewards such as rewards generated via the use of credit cards, debit cards, prepaid cards, etc. A payment processing system for financial transactions is enhanced to support reward transactions. The reward communications can be processed over the payment processing system together with payment transactions. Consumer's can accumulate monetary value associated with the rewards in a rewards account. The rewards are based on awards provided by conducting transactions using a rewards account associated with a shareholder rewards program or by conducting transactions with particular merchants participating in the rewards program. The accumulated monetary value can then be used for purchase of shares of stock of participating merchants.
    Type: Grant
    Filed: October 2, 2014
    Date of Patent: December 12, 2017
    Inventor: Glenn A. Bowman
  • Patent number: 9842354
    Abstract: A multistage online auction for electronic advertising is described including simulation. A first stage auction occurs internally within a demand-side platform where multiple advertiser clients compete to determine whose advertisement is submitted to at least one external auction site. Within the internal auction, an advertiser client optionally simulates their participation. All bidders enter a bid and campaign targeting parameters. A simulating bidder's campaign is processed in real time just as those of real bidders. Ad placement opportunities received from an external auction site are filtered for each campaign producing a list of targetable impressions. For each targetable impression, the client placing the highest real bid has their ad and bid submitted to the second stage external auction. A simulating bidder receives a report on targetable impressions for their campaign. A targetable impression for a simulated bid that is higher than any real bid is reported as a winnable impression.
    Type: Grant
    Filed: January 31, 2013
    Date of Patent: December 12, 2017
    Assignee: ADOBE SYSTEMS INCORPORATED
    Inventors: John Hughes, Adam Rose, Yen Pai
  • Patent number: 9836791
    Abstract: A computerized trading system receives buy and sell trade orders in financial instruments traded in the central trading system from user terminals connected to the central trading system is provided. Users and/or user terminals are associated with different offset spread values. The trading system transmits price information and associated offset spread values to different user terminals. Each of the user terminals displays an actual price for the instrument that corresponds to the combined price information and associated offset spread value.
    Type: Grant
    Filed: January 8, 2010
    Date of Patent: December 5, 2017
    Assignee: Nasdaq Technology AB
    Inventors: Daniel Jensen, Tobias Hallor
  • Patent number: 9836789
    Abstract: A system is provided for facilitating trading of financial instruments, comprising: (i) a requester module configured to obtain request for quotation (RFQ) information from one or more requesting users, the RFQ information comprising terms of a request for quotation; (ii) a responder module operatively connected to the requester module, the responder module configured to obtain response information from one or more responding users; (iii) a contract generation module operatively connected to the requester module and the responder module, wherein the contract generation module is configured to generate contracts to trade financial instruments based on the RFQ information and the response information; (iii) an interface module operatively connected to the requester module, the responder module, and the contract generation model, wherein the interface module is configured obtain order information based on the contracts trade financial instruments, from one or more qualifying users; and (iv) a transaction module
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: December 5, 2017
    Assignee: Integral Development Corporation
    Inventors: Vikas Srivastava, Patrick Barkhordarian, Harpal Sandhu
  • Patent number: 9830366
    Abstract: In one example embodiment, a system and method are shown for receiving data that include a time stamp. The system and method also include building an Online Analytical Processing (OLAP) cube that includes a dimension, the dimension acting as a schema for the data that include the time stamp. The system and method may also include populating the OLAP cube with an object, the object including the data and the time stamp as at least one attribute. The system and method may also include storing the OLAP cube.
    Type: Grant
    Filed: March 23, 2009
    Date of Patent: November 28, 2017
    Assignee: Thomson Reuters Global Resources
    Inventor: Steven Wagner
  • Patent number: 9830648
    Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.
    Type: Grant
    Filed: November 19, 2014
    Date of Patent: November 28, 2017
    Assignee: Capital One Financial Corporation
    Inventors: Gagan Kanjlia, Vishal Puri, Michael B. Kieman, Evan S. Klein
  • Patent number: 9830383
    Abstract: A computer-implemented method for decomposing a decision table includes decomposing, by a computer processor, a decision table into a first sub-table and a second sub-table. The decision table includes two or more columns, and the decomposition is based on a semantic model describing relations among the two or more columns of the decision table. The first sub-table and the second sub-table together represent the decision table.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: November 28, 2017
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Swaminathan Balasubramanian, Pierre C. Berlandier
  • Patent number: 9830659
    Abstract: The method, system, and computer-readable medium generate and adjust retirement plans. Client information and projection parameters are received from a user and used to generate a first retirement plan. Default values for some information may be presented to verification based upon previously entered information. The first retirement plan is presented to the user simultaneously with a plurality of options to adjust the parameters, which are presented such that the user may adjust the parameters without obscuring the retirement plan information. Upon selection of an option by the user, the retirement plan is adjusted and presented in real-time, which may be implemented by the user's computer without communication with another computer. A reallocation option may be included to request quotes from additional parties, receive the quotes, and reallocate part or all of the value of a client asset to a different type of asset based upon the quotes.
    Type: Grant
    Filed: October 2, 2014
    Date of Patent: November 28, 2017
    Assignee: RETIREUP, INC.
    Inventors: Daniel Santner, Jeffrey P. Feinendegen
  • Patent number: 9830651
    Abstract: A computing device receives a request to establish a crowdfunding project for a business, the request describing an amount of funding being requested by the business, and terms and conditions for owning shares in the business. The computing device generates a crowdfunding interface for the crowdfunding project, the interface including the amount of funding being requested, the terms and conditions for owning shares in the business, a share price, and an option for purchasing shares. The computing device receives, from investors and through the crowdfunding interface, requests to purchase a specified number of shares in the business. The computing device allocates, to each investor, the respective number of shares purchased. The computing device determines that the amount of funding being requested by the business has been satisfied. The computing device determines that the business is able to pay dividends. The computing device provides a respective dividend payment to each investor.
    Type: Grant
    Filed: January 29, 2014
    Date of Patent: November 28, 2017
    Assignee: SQUARE, INC.
    Inventor: Zach Brock
  • Patent number: 9832201
    Abstract: Systems, computer program products, and methods are described herein for creating reusable resource-centric threat models and identifying controls for securing resources within a network. The present invention is configured to determine that an internal resource in a network requires protection from unauthorized external access; electronically receive information associated with the internal resource within the network; determine one or more threat vectors associated with the internal resource; electronically retrieve from a controls library, a control template associated with a resource category matching the resource category of the internal resource; and apply the control template to the internal resource.
    Type: Grant
    Filed: May 16, 2016
    Date of Patent: November 28, 2017
    Assignee: Bank of America Corporation
    Inventors: Sounil Yu, Brandon Matthew Sloane
  • Patent number: 9830665
    Abstract: A system and process for using telematics data to determine a vehicle operator. Telematics data is captured from a telematics device which retrieves data from a vehicle associated with a plurality of vehicle operators. A driver electronic signature is determined from the captured telematics data and then compared to determined driver signatures stored in memory and associated with the vehicle from which the telematics data is captured. A vehicle operator is then determined from comparing the determined driver signature with driver signatures stored in memory.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: November 28, 2017
    Assignee: United Services Automobile Association
    Inventors: Jodi J. Healy, Robert K. Dohner, Christine M. Brown, James P. Hillman, Ramsey Devereaux, Bharat Prasad
  • Patent number: 9824358
    Abstract: Embodiments of the invention provide for systems to determine potential fraudulent activity associated with online financial transaction identity-based transaction decisioning, to electronically determine decisions for transactions such as account opening, and the like. The embodiments herein described accurately provide a system tool to prevent fraudulent transactions from occurring, such as preventing accounts from being opened by individuals who present an identity risk and efficiently identify such risky applicants early in an automated decisioning process. Specific embodiments provide for electronically determining a transaction decision based on applying business rules to potential fraud indicators. In other embodiments of the invention, a decisioning score is determined that takes into account the application of predetermined business rules to potential fraud indicators.
    Type: Grant
    Filed: January 14, 2015
    Date of Patent: November 21, 2017
    Assignee: Bank of America Corporation
    Inventors: Colleen Marie Ericson, Reggie Scott Whitley
  • Patent number: 9824471
    Abstract: A method, system, and computer program product for presentation of data in enterprise applications. The method form commences by identifying a hierarchy of data maintained by an enterprise application (e.g., in a database). A hierarchy processor or other processor reads the hierarchy of data to configure a graphical representation of the hierarchy of data to be displayed on a display device. The graphical representation includes a graphical display indication corresponding to one or more relationships between items in the displayed hierarchy. Additional display indications include a calculated summary value of aggregated data, such as where the aggregated data is calculated using an aggregation function.
    Type: Grant
    Filed: September 26, 2013
    Date of Patent: November 21, 2017
    Assignee: ORACLE INTERNATIONAL CORPORATION
    Inventors: Louis Y. Lei, Frederic Portal, Amira A. Morcos, Bhupinder Singh Sondhi, Tamijselvy Muralidharan, Richa Dubey
  • Patent number: 9826070
    Abstract: The present invention relates to a network communication apparatus 150, which comprises: means for receiving data units, the data units comprising payload data; means for forwarding said data units on to a further network location; means for inspecting the payload data of a data unit; and means for modifying said data unit before the entire data unit has been forwarded on in dependence on the outcome of the data unit inspection thereby to alter the subsequent handling of that modified data unit once it has been forwarded on. The present invention also extends to a communication system and to a corresponding method of monitoring network communications.
    Type: Grant
    Filed: February 11, 2014
    Date of Patent: November 21, 2017
    Assignee: Q Telecom Ltd
    Inventors: Anton Murashov, Evgeny Vasin, Nikolay Derbenev
  • Patent number: 9825953
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for presenting authorized data to a target system. The system is configured to receive an indication from one or more target systems to retrieve data from an authorized data source; receive one or more regulatory parameters associated with the one or more target systems; determine one or more domains associated with the data, wherein the one or more domains comprise at least a transaction domain, a reference and master data domain, a derived domain, and a discovery domain; determine one or more data types associated with each of the one or more domains; transform the data based on at least the one or more regulatory parameters, the one or more data management controls, the one or more domains, and the one or more data types; and transmit the transformed data to the one or more target systems.
    Type: Grant
    Filed: December 19, 2014
    Date of Patent: November 21, 2017
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Brian P. Gibbons
  • Patent number: 9818087
    Abstract: In embodiments of the present invention improved capabilities are described for a human resource management platform that includes applications targeted to solve a variety of human resource and benefits administration management problems. Applications of the human resource management platform include business applications such as benefits administration that may provide a single solution for facilitating employee benefits management and organizational efficiencies through automation of benefit management functions, measurement of benefit provider effectiveness, and the like.
    Type: Grant
    Filed: June 9, 2014
    Date of Patent: November 14, 2017
    Assignee: ADP, LLC
    Inventors: Thomas A. Cooper, Colin J. Turner
  • Patent number: 9818105
    Abstract: Disclosed herein are example embodiments for guaranty provisioning via wireless service purveyance. For certain example embodiments, at least one device, such as a server device of a wireless service provider: (i) may detect at least one proffered guaranty transaction that is associated with at least one product transaction; or (ii) may proffer at least one guaranty based at least partially on at least one wireless service data stream.
    Type: Grant
    Filed: December 31, 2013
    Date of Patent: November 14, 2017
    Assignee: Elwha LLC
    Inventors: Edward K. Y. Jung, Richard T. Lord, Robert W. Lord
  • Patent number: 9819662
    Abstract: Systems and methods are provided for authenticating a user. In one implementation, a computer-implemented method is provided. According to the method, transaction history information for each one of a set of users is maintained in a storage device. The method provides identifiers associated with items for display and receives, from one of the users, a selection of one or more of the identifiers. The method further authenticates the user as a function of the selection and a transaction history of the user.
    Type: Grant
    Filed: May 19, 2014
    Date of Patent: November 14, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: Peter C. Fang, Sebastian Lehmann
  • Patent number: 9818112
    Abstract: Systems and methods for authenticating a party are disclosed. A transaction may be initiated between a relying party and a presenter. The relying party can send the presenter a message with transaction information and requirements for authentication. The presenter can forward the message to a third party, which can authenticate the presenter to the relying party.
    Type: Grant
    Filed: March 25, 2014
    Date of Patent: November 14, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Kiushan Pirzadeh, Simon Hurry, Thomas Manessis
  • Patent number: 9819396
    Abstract: Communicating via near field communication (NFC) between a reader and an application on an NFC-enabled device. A point of sale (POS) device and a consumer's mobile communication device establish an NFC session in accordance with each of the protocol layers of both International Organization for Standardization (ISO)/International Electrotechnical Commission (IEC) 14443 and ISO/IEC 7816 standards. A commerce application executing on the consumer's mobile communication device at a protocol layer above the ISO/IEC 14443 and ISO/IEC 7816 standards communicates a plurality of NFC application protocol data units (APDUs) to the POS device. At least one such APDU includes a consumer identifier. The consumer identifier includes a portion identifying the commerce application.
    Type: Grant
    Filed: October 28, 2015
    Date of Patent: November 14, 2017
    Assignee: GOOGLE INC.
    Inventors: Anthony J. Sabetti, Jason S. Qian, Larry L. Bush
  • Patent number: 9811567
    Abstract: Systems and methods of prioritizing retrieval and/or processing of data related to a subset of attributes based on a prediction of associated values are presented herein. In certain implementations, a request for values associated with respective first attributes may be received. Based on the request, first queries for data related to the first attributes may be performed. Based on the first queries, a first subset of data related to calculating at least some of the associated values may be received. At least some of the associated values may be predicted based on the first subset of data. Based on the prediction of the associated values, retrieval and/or processing of data related to a first subset of the first attributes may be prioritized over retrieval and/or processing of data related to one or more other subsets of the first attributes.
    Type: Grant
    Filed: January 29, 2016
    Date of Patent: November 7, 2017
    Assignee: ZOOMDATA, INC.
    Inventors: Justin Langseth, Jorge Alarcon, Ruhollah Farchtchi, Farzad Aref
  • Patent number: 9813976
    Abstract: A method and system of detecting a delinquent mobile user device. An international mobile subscriber identity (IMSI) of a subscriber identity module (SIM) card of the user device is determined by the user device. The IMSI is sent to a Remote Recovery Server (RRS). A message is received from the RRS as to whether the IMSI is authorized for the user device. Upon determining that the IMSI is not authorized for the user device, a notification is displayed on a display of the user device.
    Type: Grant
    Filed: March 28, 2016
    Date of Patent: November 7, 2017
    Assignee: T-Mobile USA, Inc.
    Inventors: Senthil Kumar Mulluppadi Velusamy, Kevin Lau
  • Patent number: 9813519
    Abstract: Systems and methods are disclosed for bidirectional multifunction communication between a computing device and applications located at an external server. The bidirectional communications allows an operation to be performed on a file using a computing device and an external server. In one implementation, an application resides on a desktop computer that is connected to the Internet. The application sends a request to an external server accessible through the Internet using a bidirectional communication system. The server accepts and processes the request and provides data back to the computer via the same bidirectional communication system. A user may then access the data, manipulate it and provide an additional request to the server via the bidirectional communication system.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: November 7, 2017
    Assignee: LITERA CORPORATION
    Inventor: Deepak Massand
  • Patent number: 9807078
    Abstract: In embodiments of the present invention improved capabilities are described for managing a community facility in a networked secure collaborative computer data exchange environment, including providing an exchange community facility where each of a plurality of users operating a plurality of client computing devices is enabled to establish a corresponding informational profile that is made accessible to other users operating the plurality of client computing devices and is enabled to find and interact with the other users based on the informational profile.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: October 31, 2017
    Assignee: Synchronoss Technologies, Inc.
    Inventors: Matthew A. Porzio, James Andrew Fieweger
  • Patent number: 9807046
    Abstract: An automated messaging system for distributing personalized messages of a deceased user to particular recipients on particular dates.
    Type: Grant
    Filed: September 18, 2015
    Date of Patent: October 31, 2017
    Inventor: Peter Mendez
  • Patent number: 9805368
    Abstract: Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant payment system is not required to store data specific to a particular payment device.
    Type: Grant
    Filed: November 12, 2012
    Date of Patent: October 31, 2017
    Assignee: ProPay, Inc.
    Inventors: Gary B. Goodrich, Gregori Pesci, Bryce Weldon Thacker, Wayne William Peck
  • Patent number: 9807105
    Abstract: Generating a behavior profile is provided. A newness score is calculated for a data point corresponding to a context of an access request to a resource made by a user of a client device. Newness scores for a plurality of data points corresponding to contexts of a plurality of access requests are aggregated to form an aggregated newness score. In response to determining that the aggregated newness score is greater than or equal to a pre-defined newness score threshold, data points stored in a data point cache and a long-term storage are used to generate a new behavior profile for the user or update an existing behavior profile for the user.
    Type: Grant
    Filed: November 11, 2015
    Date of Patent: October 31, 2017
    Assignee: International Business Machines Corporation
    Inventors: Pau-Chen Cheng, Lawrence Koved, Kapil K. Singh
  • Patent number: 9798798
    Abstract: A computer-implemented system and method for selecting documents for review is provided. A master array of messages and topics for the messages is generated. The messages in the master array are sorted by the topics and the sorted messages are processed. During processing, each message in the master array is identified as unique, duplicate, or near duplicate. The unique messages are extracted from the duplicate and near duplicate messages, and entered into a log by creating a log entry for each of the unique messages. Each log entry includes a source of and identification information for one of the unique messages. The unique messages are then provided for document review.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: October 24, 2017
    Assignee: FTI Technology, LLC
    Inventors: Kenji Kawai, David T. McDonald
  • Patent number: 9798993
    Abstract: A method and computer system executes a home loss prevention simulation to provide a user with information on home loss prevention. The method and system may allow the user to select and place one or more home sensors on items and/or in locations within a simulated home environment. Once the user has finished selecting and placing the home sensors in the simulated home, the method and system may begin the home loss prevention simulation by applying different loss-related simulation scenarios to the simulated home. Based the different loss-related scenarios, the method and system may evaluate the placement of the home sensors in the simulated home to determine one or more losses (e.g., fire, water or burglary) and any associated financial costs. At the end of the simulation, the method and system may provide instructional information regarding the simulation results in order to educate the user on how to improve or optimize home loss prevention.
    Type: Grant
    Filed: February 11, 2014
    Date of Patent: October 24, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kevin William Payne, Duane Lee Marzinzik
  • Patent number: 9792600
    Abstract: Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. In response to a request from the sender, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.
    Type: Grant
    Filed: June 2, 2015
    Date of Patent: October 17, 2017
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 9792628
    Abstract: A method and system for presenting promotional content to a user of a communication device involves receiving information from a communication device, where the information relates to the communication device, and identifying a result relating to the information that is capable of being presented in a plurality of formats on the communication device, and dynamically selecting a format for the result from among the plurality of formats, and presenting the result in the selected format for display by the communication device.
    Type: Grant
    Filed: August 14, 2015
    Date of Patent: October 17, 2017
    Assignee: GOOGLE INC.
    Inventors: Elad Gil, Shumeet Baluja, Maryam Garrett, Cedric Beust
  • Patent number: 9794257
    Abstract: A system and method of granting a service authorization to a service provider in a regulating or funding agency of a first organization to access one or more individual's information in a second organization, where a service authorization comprises an authorization to access information and to provide specific services from said regulating or funding agency, the request for service authorization coming from an organization from an individual, patent or guardian of the individual, or regulating or funding organization, for service to be provided to an individual whose private information is stored within the second organization. A system for approving or rejecting the service authorization requests is provided based on authorization of the service provider, as well as a system and method for recording and sharing the outcomes of all decisions with the organization. If a service authorization is approved, it may be integrated into the organization's own workflow.
    Type: Grant
    Filed: July 16, 2014
    Date of Patent: October 17, 2017
    Assignee: Therap Services, LLC
    Inventors: Richard Allen Robbins, Warren Staten Gifford, Mojahedul Hoque Abul Hassanat, Bradley Drew Turock, Justin Mark Brockie, James Michael Kelly, Zaiur Rahman
  • Patent number: 9792020
    Abstract: Systems and methods for aggregating and storing different types of data, and generating interactive user interfaces for analyzing the stored data. In some embodiments, entity data is received for a plurality of entities from one or more data sources, and used to determine attribute values for the entities for one or more given time periods. The plurality of entities may be categorized into one or more entity groups, and aggregate attribute values may be generated based upon the entity groups. A first interactive user interface is generated displaying the one or more entity groups in association with the aggregated attribute values associated with the entity group. In response to a received indication of a user selection of an entity group, a second interactive user interface is generated displaying the one or more entities associated with the selected entity group, each entity displayed in association with the attribute values associated with the entity.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: October 17, 2017
    Assignee: Palantir Technologies Inc.
    Inventors: Sean Kelley, Dylan Scott, Ayush Sood, Kevin Verdieck, Izaak Baker, Eliot Ball, Zachary Bush, Allen Cai, Jerry Chen, Aditya Dahiya, Daniel Deutsch, Calvin Fernandez, Jonathan Hong, Jiaji Hu, Audrey Kuan, Lucas Lemanowicz, Clark Minor, Nicholas Miyake, Michael Nazario, Brian Ngo, Mikhail Proniushkin, Siddharth Rajgarhia, Christopher Rodgers, Kayo Teramoto, David Tobin, Grace Wang, Wilson Wong, Holly Xu, Xiaohan Zhang
  • Patent number: 9792653
    Abstract: A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.
    Type: Grant
    Filed: December 13, 2011
    Date of Patent: October 17, 2017
    Assignee: Opera Solutions U.S.A., LLC
    Inventors: Gregory Gancarz, Jenny Zhang, Kathleen Marie Crowe
  • Patent number: 9785943
    Abstract: A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.
    Type: Grant
    Filed: March 25, 2010
    Date of Patent: October 10, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Simon Phillips, Ronald D. Carter
  • Patent number: 9785830
    Abstract: Methods to select and extract tabular data among the optical character recognition returned strings to automatically process documents, including documents containing academic transcripts.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: October 10, 2017
    Assignee: KOFAX INTERNATIONAL SWITZERLAND SARL
    Inventors: Johannes Hausmann, Ralph Meier, Harry Urbschat, Thorsten Wanschura