Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
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Patent number: 11928740Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.Type: GrantFiled: October 6, 2021Date of Patent: March 12, 2024Assignee: PROGRESSIVE CASUALTY INSURANCE COMPANYInventors: Richard Hutchinson, William Everett, David Pratt, Raymond Ling
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Patent number: 11928211Abstract: Systems and methods are provided for implementing a machine learning approach to modeling entity behavior. Fixed information and periodically updated information may be utilized to predict the behavior of an entity. By incorporating periodically updated information, the system is able to maintain an up-to-date prediction of each entity's behavior, while also accounting for entity action with respect to ongoing obligations. The system may generate behavior scores for the set of entities. In some embodiments, the behavior scores that are generated may indicate the transactional risk associated with each entity. Using the behavior scores generated, a user may be able to assess the credit riskiness of individual entities and instruct one or more individuals assigned to the entities to take one or more actions based on the credit riskiness of the individual entities.Type: GrantFiled: November 21, 2022Date of Patent: March 12, 2024Assignee: Palantir Technologies Inc.Inventors: Paul Gribelyuk, Han Xu, Kelvin Lau, Pierre Cholet
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Patent number: 11928236Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.Type: GrantFiled: August 27, 2020Date of Patent: March 12, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
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Patent number: 11928732Abstract: Methods for computer generation of graphical user interfaces are disclosed. The interfaces may provide representations of electronic order book data, including prospective orders and the impact of the prospective orders on the order book. Generating the graphical user interfaces can comprise calculating cumulative digital asset purchase order volumes and cumulative digital asset sell order volumes that are available in the order book at each order price. Graphical representations of a prospective order and a post-order order book may be generated and overlaid on the current order book graphical representation.Type: GrantFiled: September 23, 2021Date of Patent: March 12, 2024Assignee: Gemini IP, LLCInventors: Marcus Skala, Eric Neiman Winer, Cameron Howard Winklevoss, Tyler Howard Winklevoss
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Patent number: 11928424Abstract: Systems and methods to facilitate a customization and proliferation of models are described. The system receives, via a first interface, table information and communicates the table information to a first model. The first model includes logic to process the values to generate a column of predicted values. The system receives a column of predicted values from the first model. The system appends the column of predicted values to the table information to generate appended table information. The system communicates, via a second interface, the appended table information to a second state including a second plurality of models. The sequence of states is associated with a plurality of interfaces including the first interface and the second interface. The interfaces facilitate a customization and proliferation of models.Type: GrantFiled: November 28, 2022Date of Patent: March 12, 2024Assignee: Opendoor Labs Inc.Inventors: Tianyi Xia, Leonid Boris Pekelis, David Makanalani Lundgren
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Patent number: 11922376Abstract: Disclosed are systems and methods for using a transaction to collect additional transaction information. The method may include: receiving transaction information indicating that a transaction of one or more products and/or services has been made by a user from a merchant; when the transaction information is received, scanning a user e-mail account to identify a receipt for the transaction within an e-mail of the user e-mail account, wherein the receipt is indicative of a transaction price; when the receipt for the transaction is identified: extracting information of the one or more products and/or services from the receipt; and based on the extracted information, automatically generating and submitting a price adjustment claim for the one or more products and/or services when a price lower than the transaction price is found; and when the receipt for the transaction cannot be identified: automatically submitting information about a missing receipt to a fraud system.Type: GrantFiled: December 14, 2021Date of Patent: March 5, 2024Assignee: Capital One Services, LLCInventor: Jason Katzer
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Patent number: 11922497Abstract: A method employs consumer permissioned financial data to generate an updated credit score following a consumer authorization to access to at least one demand deposit account of the consumer for use in generating the credit score for the consumer. The consumer permissioned financial data may be sourced from any one of a plurality of aggregators where the aggregators employ different data structures for the financial data. The financial data is processed to automatically normalize the data received from an aggregator by applying a common classification system across the plurality of aggregators to classify a first set of data fields; and automatically, regardless of whether an updated credit score is advantageous for the consumer and independent of any further consumer permission, generating the updated credit score using a combination of credit file data for the consumer and the financial data received from the aggregator.Type: GrantFiled: October 27, 2022Date of Patent: March 5, 2024Assignee: VANTAGESCORE SOLUTIONS, LLCInventors: Greg Nelson, Andrada Ioana Pacheco, Nicholas Andrew Rose, Yusuf Emre Sahingur, Rikard Kaj Ragnar Bandebo, Silvio Tavares
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Patent number: 11915246Abstract: A computer-implemented method of providing enriched transaction data for a transaction requiring an authorization is provided, the transaction performed using a computer system having a processor and a memory device. The method includes storing transaction data received from an input channel, the transaction data including a transaction identifier. An execution plan is retrieved based at least in part on the transaction identifier. The transaction data is processed across an enrichment processor based on the execution plan to generate at least one fraud score for the transaction. The transaction data is enriched to include at least one of the fraud score and an enriched data object. The enriched data is transmitted to an authorizing party for authorization.Type: GrantFiled: March 14, 2022Date of Patent: February 27, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: John D. Chisholm
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Patent number: 11916852Abstract: Disclosed are systems and methods for conducting an open conversation user interface and more particularly, to a channel-agnostic user interface experience which can utilize automated background intelligence to simplify the exchange between a software system or member service representative (MSR) and a member, and avoids the need for web-based free form inputs.Type: GrantFiled: May 6, 2022Date of Patent: February 27, 2024Assignee: UIPCO, LLCInventors: Ian Smith, Jeremy Mark Fisher, Heather Hernandez
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Patent number: 11915309Abstract: A computer system is described that is configured to calculate probable risks of assets being transferred away from an institution that is currently holding the assets. In order to reduce transfers of assets from an institution, the computer system is configured to predict a likelihood of transfer of the asset from the institution based on the client data. The computer system is configured to predict a risk of transfer of the asset that takes into account the value of the asset. For example, particular higher value assets may be more valuable to the financial institution than other assets given a comparable likelihood of transfer. The computer system is further configured to propose and/or prioritize actions, such as potential advising opportunities, to minimize the risk of transfer of the asset from the financial institution.Type: GrantFiled: September 21, 2020Date of Patent: February 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Teresa Ridge, Timothy Feifs, Dustin Scott Mountcastle, Magdalena J. Vega, David G. Coffaro, Leonard Mauney
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Patent number: 11914743Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.Type: GrantFiled: September 14, 2020Date of Patent: February 27, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Brian M. Pearce, Steven Pulido, Benjamin Soccorsy, James Stahley, Mojdeh Tomsich
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Patent number: 11915479Abstract: Using a combination of image recognition, deep learning, and expert rules, disclosed systems and methods automatically identify, assess and estimate damage to vehicles based on input vehicle images. Analysis includes determinations as to type of damage, extent of damage and absolute size of damage. Disclosed embodiments include techniques of homography, allometry and semantic segmentation combined with more conventional object recognition technologies such as R-CNN in order to provide greater precision, more detailed analysis at lower computational cost.Type: GrantFiled: December 30, 2020Date of Patent: February 27, 2024Assignee: Scope Technologies Holdings LimitedInventors: Samuel Lavie, Friedl Jacobs, Sean O'Regan, Johann van Den Bergh
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Patent number: 11907979Abstract: Methods and systems are presented for enhancing a merchant product webpage by providing additional content associated with a product being displayed on the merchant product webpage. A product catalog stores product records corresponding to data associated with different products. As a webpage is accessed by a user device, data is extracted from the merchant product webpage. The extracted data is used to identify one or more product records in the product catalog that are potential matches to the webpage. When multiple product records are identified, a remote server is used to access and interact with the webpage separate from the user device. Additional data is extracted from the webpage based on interactions by the remote server with the webpage. The additional data is used to determine a single product record for the webpage. The webpage is modified based on the single product record.Type: GrantFiled: December 27, 2021Date of Patent: February 20, 2024Assignee: PayPal, Inc.Inventors: Michael Brawer, David Phillips, Anthony Le, Kaan Erdener
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Patent number: 11900452Abstract: A secured credit provider computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to receive, from a user computing device, an application for secured credit; generate a passcode corresponding to the application and transmit the passcode to the user computing device; receive the passcode from an automated teller machine (ATM) of a second provider; responsive to identifying the application based on the passcode, transmit, to the ATM for display, a collateral request for the application; receive, from the ATM, a message acknowledging a collateral deposit; determine that the collateral deposit satisfies the collateral request for the identified application; and transmit, to the user computing device or to the ATM, a notification indicating that the application has been approved.Type: GrantFiled: June 14, 2021Date of Patent: February 13, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Peter Ho, Robin Lo, Lisa M. Schur
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Patent number: 11900464Abstract: An automated method for resolving a debtor's debt obligation to a creditor uses a rating algorithm that implements predictive analytics to determine an anticipated amount for which the creditor will settle the debt. A debt purchase amount to be offered to the Debtor to have a third-party entity fully assume the Debtor's debt obligation is calculated based on the anticipated amount for which the creditor will settle the debt and operating costs and profit margin of the third-party entity. An offer to the Debtor to have the third-party entity fully assume the Debtor's debt obligation for the debt purchase amount is generated and sent with a document indicating that the Debtor has agreed to transfer the Debtor's debt obligation to the third-party entity pursuant to the offer. The creditor is notified that the third-party entity has assumed responsibility for the Debtor's debt obligation and resolved the Debtor's debt obligation.Type: GrantFiled: November 19, 2018Date of Patent: February 13, 2024Inventor: Kevin Flynn
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Patent number: 11900472Abstract: An insurance policy management computing system (201) stores a legally-binding insurance policy as a read-only document including the complete policy history. To facilitate revisions to the policy, the computing system (201) provides an opportunity (202) to revise an insurance policy and recalls (203) the currently legally-binding insurance policy. Since the legally-binding insurance policy is a read-only document, the computing system (201) uses the legally-binding policy to generate an editable version that is a complete copy of the legally-binding policy. Once the editable version of the insurance policy has been generated, the input revisions can be incorporated into the policy and then, the revised version of the insurance policy is saved as a read-only, now-current version of the insurance policy. The new legally-binding insurance policy has a new creation and effective dates of the various policy elements.Type: GrantFiled: June 22, 2021Date of Patent: February 13, 2024Assignee: Guidewire Software, Inc.Inventor: Alan Harrison Keefer
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Patent number: 11900295Abstract: A method, computer program product, and computing system for initiating a bespoke journey concerning a business process transition event; providing information concerning the bespoke journey to a plurality of recipients participating in the business process transition event; and enabling the plurality of recipients to provide information concerning the sentiment of others with respect to the bespoke journey.Type: GrantFiled: August 18, 2021Date of Patent: February 13, 2024Assignee: EDERA L3CInventor: Kevin Carr
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Patent number: 11893634Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.Type: GrantFiled: December 9, 2021Date of Patent: February 6, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Arthur McWain, James J. Dunn
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Patent number: 11893630Abstract: A method may include receiving financial information regarding a user; categorizing transaction information of the user based on the financial information; causing display of the categorized transaction information; receiving information regarding at least one financial preference and transaction preference of the user; determining using a trained machine learning model activities available to the user; calculating, for each of the one or more activities available to the user, an estimated influence on the at least one financial preference, causing display of the estimated influence on the at least one financial preference based on a user selected one of the one or more activities available to the user; filtering the one or more activities available to the user with a positive estimated influence to the at least one financial preference; and causing display of a recommendation of action relating to the one of the one or more activities available to the user.Type: GrantFiled: November 21, 2022Date of Patent: February 6, 2024Assignee: Capital One Services, LLCInventors: Austin Walters, Vincent Pham, Jeremy Goodsitt
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Patent number: 11893650Abstract: A system for connecting market participants is disclosed. The system may receive a first user data comprising a market participant type. The system may receive a first metadata set associated with the first user data and a second metadata set associated with a second user data, wherein the second metadata set comprises the market participant type. The system may generate a match data based on the first metadata set, the second metadata set, and the market participant type, wherein the match data defines an association between the first user data and the second user data. The system may generate a communication channel between a first user device and a second user device based on the match data.Type: GrantFiled: August 24, 2020Date of Patent: February 6, 2024Assignee: Greenlight, LLCInventor: Tommy Wolf
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Systems and methods for integrating, aggregating and utilizing data from a plurality of data sources
Patent number: 11893629Abstract: A method of integrating electronic data including integrating a desktop such that the desktop includes information received from various sources. The information displayed may be analyzed by a business rule to prioritize what information is included in the desktop, and the information may include data from databases, recent member activities, planned future actions, and recommended future actions. The method also includes the ability to integrate and/or aggregate various data sources, such as databases. The combination of the data sources may be performed according to one or more business rules.Type: GrantFiled: March 4, 2022Date of Patent: February 6, 2024Assignee: United Services Automobile AssociationInventors: Guy R. Langley, Jason W. Lindley, Donald H. Griffin, Jr., Elizabeth Garretson, Ryan R. Barth, Francisco A. Duran, Ann C. Tarrillion, David W. Roberts -
Patent number: 11893642Abstract: The present disclosure generally relates to systems and methods for generating data representative of multi-product insurance discounts and related user interface displays. The systems and methods may include receiving personal data from an insurance customer and insurance product data. The systems and methods may further include generating data representative of multi-product insurance discounts based on personal data from an insurance customer and insurance product data. The systems and methods may further include generating displays of the multi-product discounts based on data representative of multi-product insurance discounts.Type: GrantFiled: July 5, 2019Date of Patent: February 6, 2024Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Benjamin R. Murphy, Howard Henderson, Jr., Elizabeth Orzolek, Arlene Serapin, Lisa Bianco
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Patent number: 11887148Abstract: There are provided systems and methods for cross-platform tracking of user generated data for unified data output. A computing device may be utilized to access an online platform and perform one or more processes, including viewing an online marketplace to purchase items in a transaction. The device may be used to browse items and items may be added to a digital shopping cart or other checkout process and interface. However, the device may not finish electronic transaction processing for the items and may abandon the digital cart on a first platform used by the user. When a user uses a second online platform to shop and generate another digital cart, a cross-platform process may retrieve the previously abandoned cart's data, and may generate output for display of the previous cart with the new cart in the second platform's user interface.Type: GrantFiled: June 14, 2021Date of Patent: January 30, 2024Assignee: PAYPAL, INC.Inventors: Braden Christopher Ericson, Joshua Greenwell
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Patent number: 11886551Abstract: A management system to facilitate improved software asset management includes a management server coupled to a client instance and certain databases. The client instance stores identifiers associated with software programs accessible to users through the client instance. To enable software asset management features, the management server receives the identifiers and determines, based on the certain databases, whether the identifiers are associated with software models of the software programs. Notably, in response to an identifier of a particular software program not being associated with a software model, the management server generates a software model for the particular software program, and further, stores entries or relationships within the certain databases.Type: GrantFiled: July 27, 2022Date of Patent: January 30, 2024Assignee: ServiceNow, Inc.Inventors: Virendra Karappa, Rajat Jain
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Patent number: 11887172Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. The embodiments may employ machine learning processes to detect fraudulent activity. In some examples, a computing device determines customer data and device data for a customer and device involved in a transaction. The customer data may include previous transactions by the customer, and the device data may include previous transactions involving the device. The computing device generates features based on the customer data and the device data, and applies one or more machine learning models to the generated features to generate a trust score. The trust score is indicative of how likely a transaction is to be fraudulent. In some examples, the transaction is not allowed if the trust score is beyond a threshold. In some examples, the computing device trains the machine learning models based on customer data and device data for a plurality of customers and devices.Type: GrantFiled: September 3, 2021Date of Patent: January 30, 2024Assignee: Walmart Apollo, LLCInventors: Gnanapriya Venkatasubramaniam, Shivee Singh
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Patent number: 11887097Abstract: Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user and receives a response from the invited user to the at least one invitation, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account.Type: GrantFiled: February 4, 2022Date of Patent: January 30, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Christopher M. Wetzel, Daniel Beck, Paul Young Moreton
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Patent number: 11880811Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to analyze historical data transfers within one or more resource accounts to generate a data budget; receive a signal indicating a data transfer request; analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer; responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and send, via the communications module and to a computing device, a signal causing the computing device to display a notification that includes the one or more recommendations to afford the data transfer.Type: GrantFiled: August 19, 2021Date of Patent: January 23, 2024Assignee: The Toronto-Dominion BankInventors: Tomasz Pawelkiewicz, Rachit Srivastava, Nima Habibi Beltijeh, Dalbir Channa
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Patent number: 11875166Abstract: A method may include presenting a user interface (UI), to a user, in a first mode on a client device, the UI including a list portion, the list portion including a plurality of transactions associated with respective activity on a user account, and the client device including an input device; receiving an indication of a first user action on a transaction presented in the list portion of the UI; in response to receiving the indication, updating a section of the list portion corresponding to the transaction, the updating including revealing a set of options for the transaction; receiving an indication of a second user action corresponding to activation of an option of the set of options; and in response to receiving the indication of the second user action, transitioning the UI from the first mode to a second mode, the second mode including a chatbot interface instantiated with respect to the transaction.Type: GrantFiled: March 20, 2023Date of Patent: January 16, 2024Assignee: Wells Fargo Bank, N.A.Inventor: Rajiv Ranjan
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Patent number: 11875315Abstract: The present disclosure provides a currency settlement method and apparatus. The currency settlement method includes: settling with a mining node that acquired a first virtual currency according to a workload performed by the mining node and an income type of the mining node; according to a settlement currency type, transacting with an exchange institution to exchange an amount in the first virtual currency into an amount in a second virtual currency, the second virtual currency being the settlement currency type; and transferring the amount of the second virtual currency to an account.Type: GrantFiled: May 20, 2020Date of Patent: January 16, 2024Assignee: ANTPOOL TECHNOLOGIES LIMITEDInventor: Lingchao Xu
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Patent number: 11875316Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.Type: GrantFiled: March 15, 2023Date of Patent: January 16, 2024Assignee: Ganart Technologies, Inc.Inventors: Anthony M. Cacheria, David Hooker, Wayne Thomas McHugh, Kristopher Glover, Webb Edwards, Arthur Martin Holbrook, Barrett Jenkins, Mohamed Safir Salihu, Purnendu Mishra
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Patent number: 11875401Abstract: A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user.Type: GrantFiled: November 1, 2021Date of Patent: January 16, 2024Assignee: Capital One Services, LLCInventors: Avid Ghamsari, Staevan Duckworth, Geoffrey Dagley, Micah Price, Qiaochu Tang
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Patent number: 11875412Abstract: A digital platform and system that provides an automated, multi-channel, end-to-end risk-transfer configuration and/or parametrization process for configuring, launching, and processing of customized second-tier transfer structures, wherein an automated risk-transfer placement for objects or property assets each having a geographic location related to occurrence of physical impacting risk-events, the objects or property assets impacting events, is provided by the digital platform and system as a first online channel comprising an electronic, parameter-driven, rule-based underwriting process for automatically creating a portfolio or composition of customized second-tier structures. An automated claim handling is provided by the digital platform and system as a second online channel, and automated accounting is provided by the digital platform and system as a third online channel.Type: GrantFiled: March 10, 2022Date of Patent: January 16, 2024Assignee: Swiss Reinsurance Company Ltd.Inventor: Chung-Shik Mangold
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Patent number: 11875408Abstract: Various embodiments are generally directed to techniques for accurate evaluation of a financial portfolio. Techniques described herein may include an apparatus comprising: a processing circuit; and an approximate computing engine, executed on the processing circuit, operative to process data items corresponding to prices of funds, compute a Net Asset Value (NAV) based on the data items, determine a precision associated with the Net Asset Value (NAV), and based upon a precision metric, determine whether to use the Net Asset Value (NAV) in a business decision. Other embodiments are described.Type: GrantFiled: April 22, 2019Date of Patent: January 16, 2024Assignee: State Street CorporationInventors: Fadi Gebara, Ram Rajamony, Ahmed Gheith
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Patent number: 11861691Abstract: A computing device is configured to acquire or access credit or reporting data associated with a consumer. The computing device then is configured to analyze the credit or reporting data to determine reporting cycles for accounts associated with the consumer. For example, the computing device may determine that credit information for a particular account may be updated at a regular interval (e.g., once a month on the 3rd) or some other more complex cycle. The computing device can subsequently used the determined reporting cycles to predict the next reporting dates for respective accounts and provide the information, for instance, to the consumer.Type: GrantFiled: November 16, 2016Date of Patent: January 2, 2024Assignee: ConsumerInfo.com, Inc.Inventor: Michael Burger
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Patent number: 11861360Abstract: The present disclosure provides a management method for software versions to improve transaction safety of software. In the management method, among management apparatuses, a first token management apparatus obtains request information indicating a requested version requested by a user, and first transaction data indicating that the user provides predetermined number of tokens to a software developer who has developed the requested version is stored in distributed ledgers through execution of a consensus algorithm by the management apparatuses.Type: GrantFiled: December 21, 2021Date of Patent: January 2, 2024Assignee: Panasonic Intellectual Property Corporation of AmericaInventors: Junji Michiyama, Junichiro Soeda, Yuji Unagami, Yuuki Hirose, Tetsuji Fuchikami, Motoji Ohmori
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Patent number: 11862326Abstract: A method and system may use computer vision techniques and machine learning analysis to automatically identify a user's biometric characteristics. A user's client computing device may capture a video of the user. Feature data and movement data may be extracted from the video and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.Type: GrantFiled: October 27, 2020Date of Patent: January 2, 2024Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Dingchao Zhang, Jeffrey S. Myers, Michael Bernico, Marigona Bokshi-Drotar, Edward W. Breitweiser, Peter Laube, Utku Pamuksuz
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Patent number: 11853926Abstract: A system and method for guiding a user after an accident and gathering relevant data for an insurance claim and/or a coverage determination. The system includes a mobile device having a memory element, processing element, communication element and user interface. The mobile device may also include a sensor and/or global positioning system. The user interface and/or sensor of the mobile device (e.g., microphone. UPS, camera, etc.) may receive information relevant to an insurance claim, including by directing a user to capture images of relevant objects and/or querying the user for verbal description(s) of facts regarding the accident. The information gathered may be saved on the memory element of the mobile device. The information may also be transmitted to a server via a network in the form of a structured incident data report.Type: GrantFiled: June 12, 2019Date of Patent: December 26, 2023Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Tracy E. Jones, Carlie Kellerman, Ben Schoer, Joy Llena, Akilah Hugine, Yvette Simmons, Aishwarya Chenji, Pramiti Khan, Deborah Taylor, Barry Richards
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Patent number: 11853854Abstract: An automated method of predictive model development first cleans up raw supervised and unsupervised training data with a step that uses an algorithm to make every field of every record consistent, cohesive, and productive. Then the resulting flat data is given texture in a next step by a data enrichment algorithm that culls fields that do not contribute to predictive model building and that adds new fields computed from data combinations that are tested to add value to later steps that build different types of predictive models. Another late step for building smart-agents and their entity profiles uses another algorithm that benefits greatly from the cleaned and highly enriched training data. The predictive models and smart-agents and their entity profiles are then rendered as deliverable predictive model markup language documents in a final step executed by a specialized algorithm.Type: GrantFiled: January 20, 2021Date of Patent: December 26, 2023Assignee: Brighterion, Inc.Inventor: Akli Adjaoute
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Patent number: 11854075Abstract: Embodiments of the systems and methods of using the same are configured to provide a financial solution product for customers seeking financing and advice for debt consolidation, home improvement, financing for school loans, finding the right credit card, and financing collateral. The systems and methods provide a means to dynamically calculate multiple financial solution products and present them to a user.Type: GrantFiled: March 29, 2021Date of Patent: December 26, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Charles H. May, Daniel Tallarico, Jason Faybik, Granville Wagner, Roxanne Hutchinson, Kelly Price, Dejan Pujic, Rahul Deol Sinha
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Patent number: 11853921Abstract: In some examples, a system may receive transaction data indicating payments into a first account over time and payments out of the first account over time, the first account associated with a user. In addition, the system may access a data structure including historical account data that indicates variations in a balance of the first account over time. The system may determine an indicated minimum balance for the first account based on inputting the transaction data and the historical account data into a first predictive model configured to predict a minimum balance for enabling predicted payments out of a user account. The system may determine, based on a difference between a current balance of the first account and the predicted minimum balance for the first account, that the first account has a surplus of funds. Based at least on the surplus, the system may send an instruction.Type: GrantFiled: April 26, 2021Date of Patent: December 26, 2023Assignee: Block, Inc.Inventors: Jacqueline Reses, Audrey Kim, Theodore Kosev, Andy Montgomery
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Patent number: 11854037Abstract: A reward card platform includes a database storing funding accounts, reward card purchase transactions, and aberrant activity rules. A first user interface enables purchasing reward cards, including controls to specify reward card parameters. A second user interface enables specifying rules to detect aberrant activity. The second user interface includes user interface controls to specify the rule parameters, including: specifying a moving window of time; specifying an aggregation type; specifying filtering; specifying aggregation grouping; and specifying a threshold value for triggering an alert. The platform includes a rules execution engine that runs periodically to evaluate each of the rules. For each rule, the engine identifies transactions whose timestamps fall within the moving window of time relative to a current time and satisfies the filters, then computes an aggregation of the transactions according to the aggregation type and aggregation grouping.Type: GrantFiled: November 23, 2021Date of Patent: December 26, 2023Assignee: Tango Card, Inc.Inventors: Jacob T. Fjermestad, Dariush B. Houle, Shoni J. Blue, Chek T. Lim
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Patent number: 11853040Abstract: An industrial automation system includes a collector component communicatively coupled to a first network and configured to receive one or more event logs via a first communication protocol. The industrial automation system also includes a first industrial automation component communicatively coupled to the first network and the collector component. The first industrial automation component is configured to communicate via the first communication protocol. Additionally, the industrial automation system includes a second industrial automation component configured to communicate via a second communication protocol, generate a first event log representative of a property associated with the second industrial automation component, and send the first event log to the first industrial automation component.Type: GrantFiled: June 28, 2021Date of Patent: December 26, 2023Assignee: Rockwell Automation Technologies, Inc.Inventors: James R. Copus, Stephen A. Wenner, Kyle E. Neet
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Patent number: 11853982Abstract: A network computing system to provide an account management service for guiding user actions and providing users with information to facilitate decision making. In providing the account management services, the network computer system makes predictive determinations about the actions of service providers, in connection with specific actions of individual users.Type: GrantFiled: January 30, 2020Date of Patent: December 26, 2023Assignee: Freedom Financial Network, LLCInventors: Michael Woodward, Jon Pedley, Jason Pack, John McCormick, Ryan Sepiol
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Patent number: 11847845Abstract: A system and method for integrating a widget in a third-party application. Initially, a widget software code related to insurance payment capture and verification may be received. Further, the widget software code may be integrated into an application code of a third-party application. The widget software code may be executed to invoke an insurance payment widget. The insurance payment widget is configured to capture insurance card images, and extract insurance information based on an analysis of the insurance card images. Furthermore, the extracted insurance information may be validated using an insurance database and plans curated by an application provider. Subsequently, an insurance eligibility status and insurance coverage benefits of the insurance subscriber may be received and used to enable an insurance payment mode on the third party application in real-time, thereby integrating the widget in the third party application.Type: GrantFiled: January 17, 2023Date of Patent: December 19, 2023Assignee: ORBIT HEALTHCARE, INC.Inventor: Krishna Velaga
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Patent number: 11842402Abstract: A specialized computer matching system programmed to match orders for financial instruments of any type; where orders are matched at a price equal to the best available price or within the best available prices in the market; where priority of matching orders is ranked by price; where orders at the same price may be further ranked based on other attributes; where orders may optionally specify that the order sender is willing to pay a fee to (or receive a rebate by) an Order Matching Entity (i.e., a fee/rebate contingency (FRC)); where an order's optional FRC must be met in order to match the order; and where an order which cannot be matched solely because its FRC rate prevents it from matching with another order temporarily yields priority—other than price priority—to other orders ranked below to permit those orders to be matched.Type: GrantFiled: March 6, 2023Date of Patent: December 12, 2023Assignee: NYSE Chicago, Inc.Inventor: Steven I. Givot
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Patent number: 11842337Abstract: Systems and methods for providing analytics data to payment facilitators and sub-merchants via a dynamic dashboard, in response to receiving transaction data from one or more Internet of Things (IoT) devices. In one implementation, a method includes receiving transaction data and a unique identifier of a sub-merchant, analyzing that data, and transmitting an unrequested analytics report to a dashboard.Type: GrantFiled: September 21, 2018Date of Patent: December 12, 2023Assignee: Worldpay, LLCInventor: Ali Sahibzada
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Patent number: 11842288Abstract: Based on the interaction data and response data, an interaction monitoring platform may determine a first known sentiment and a second known sentiment, identify a first pattern and a second pattern in the interaction data, and generate a first pattern-level sentiment and a second pattern-level sentiment based on the known sentiments and the identified patterns. A binary indicator may indicate which identified patterns are exhibited in a subset of the interaction data. The platform may train a gradient boosting model using known sentiment as a target variable and using binary indicators and pattern-level sentiments as input data. The platform may predict a sentiment corresponding to a subset of interaction data with unknown sentiment that exhibits one or more of the first pattern or the second pattern based on a binary indicator and the trained gradient boosting model.Type: GrantFiled: June 17, 2020Date of Patent: December 12, 2023Assignee: Capital One Services, LLCInventors: Weiyan Sun, Rohit Sarin, Elizabeth Claire Maue, Robert Edward Cezeaux
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Patent number: 11842387Abstract: Various examples described herein are directed to systems and methods for generating a financial account statement. First financial data associated with a first financial account statement for a customer is received, Second financial data associated with a second financial account statement for the customer is received. The first financial data may be from an earlier financial account statement. Changes between the first financial data and the second financial data are determined. Highlighted changes to augment based on preferences of the customer and the determined changes are determined. Content associated with the highlighted changes is determined. The second financial account statement is created based on the second financial data. The content associated with the highlighted changes is linked in the second financial account statement.Type: GrantFiled: May 20, 2021Date of Patent: December 12, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Joseph Neil Johansen, Leonardo E. Gonzalez, Patrick L Wilde, Christian P. Krobisch
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Patent number: 11836719Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.Type: GrantFiled: October 25, 2021Date of Patent: December 5, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Patent number: 11836697Abstract: A service tracking and guidance system includes processing circuitry configured to receive, from a location tracking device and/or an online service, usage data indicative of usage of a service by a consumer. The processing circuitry is also configured to determine a usage value based on the usage data, to receive remittance data indicative of recurring payments made by the consumer for the service, and to retrieve a usage threshold that represents a level of usage of the service that justifies the recurring payments. The processing circuitry is further configured to compare the usage value determined based on the usage data for a time period that corresponds to at least one of the recurring payments to the usage threshold and to provide an output with directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold.Type: GrantFiled: June 30, 2020Date of Patent: December 5, 2023Assignee: United Services Automobile Association (USAA)Inventors: Reynaldo Medina, III, William Preston Culbertson, II, Susan Elizabeth Wright