Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10664905
    Abstract: Methods and systems for providing dynamic content during payment transactions are described herein. A user identifier stored on a client device of a user is transmitted to a payment service provider in response to the user's interaction with a user interface associated with a merchant. Based on the user identifier, dynamic content specific to the user is retrieved from the payment service provider. The dynamic content may include an available account balance with the payment service provider, merchant rating associated with the merchant, and other information that may assist the user in determining whether to engage in an online transaction with the merchant. The dynamic content may then be provided to the client device.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: May 26, 2020
    Assignee: PayPal, Inc.
    Inventors: Hugo Olliphant, Ray Tanaka, Alan Tien, Roy Vella
  • Patent number: 10664528
    Abstract: Systems and methods for facilitating optimization of documents based on prior interactions according to one or more example embodiments are shown. Such systems and methods make use of analyzing information obtained from financial institution computing system as well as other third party networks. Such systems and methods also make use of analyzing information stored from previous interactions with documents (e.g., financial disclosures). In some embodiments, this analysis of data allows for documents, such as disclosure documents, to emphasize features or sections that are of particular interest to the individual receiving the document. Information associated with one or more sections of a disclosure document may be pushed to account holders based on a disclosure associated event.
    Type: Grant
    Filed: June 28, 2017
    Date of Patent: May 26, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tyua Fraser, Dennis E. Montenegro, Muhammad Farukh Munir, David Newman, Abhijit Shetti
  • Patent number: 10664317
    Abstract: A system includes one or more devices to receive a first set of data. The system transmits the first set of data to a first data store for storage. The first data store is of a first data format type. The system transmits the first set of data to a node of a plurality of nodes. The node to perform an action on the first set of data and a second set of data to generate a third set of data. The node to transmit the third set of data to a third data store. The third data store being of a third data format type that is different than the first data format type and the second data format type. The system transmits the third set of data from the third data store to the first data store for reporting.
    Type: Grant
    Filed: October 17, 2017
    Date of Patent: May 26, 2020
    Assignee: Accenture Global Solutions Limited
    Inventors: Jingguang Han, Esteban Collado Cespon, Dadong Wan
  • Patent number: 10666749
    Abstract: A system and method is provided for converting RFID tag information into presence documents and, in particular, a system, topologies and a method is provided for leveraging session initiation protocol (SIP) to integrate RFID tag information into presence documents. The method is implemented in a computing environment, which includes receiving RFID information from a RFID gateway and converting the RFID information into a SIP message. The SIP message is published to a presence server.
    Type: Grant
    Filed: November 17, 2008
    Date of Patent: May 26, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Subrahmanyam S. Musti, Sri Ramanathan, Matthew A. Terry, Matthew B. Trevathan
  • Patent number: 10664813
    Abstract: Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.
    Type: Grant
    Filed: November 26, 2014
    Date of Patent: May 26, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Eren Kursun, Sih Lee
  • Patent number: 10664907
    Abstract: Systems and computer-implemented methods are provided to determine recurring loan payments for a financing plan. The system is configured to determine a predetermined interest rate based on a comparison of the expected profits to configurable threshold profit levels; and compute a value for the recurring loan payments based on the initial loan amount, the predetermined interest rate and the predetermined term and frequency of payments. A new interest rate may be computed in response to receiving an interest rate buy down activation from a user device, wherein a portion of the expected profits is applied to buy down the interest. Comparative financing plans are generated including and excluding the sale of products wherein loan parameters and interest rates are adjusted so that the loan payments for a first financing plan are the same as or within a configurable range of the loan payments for a second financing plan.
    Type: Grant
    Filed: March 1, 2016
    Date of Patent: May 26, 2020
    Assignee: Finx Software Technology Inc.
    Inventor: Raymond Keith Rieger
  • Patent number: 10664041
    Abstract: A computer-implemented method according to one embodiment includes identifying one or more input mechanisms for a device, monitoring a plurality of interactions between a user and the device, utilizing the one or more input mechanisms, and implementing a customized interaction pattern for the device, based on the monitoring.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: May 26, 2020
    Assignee: Inernational Business Machines Corporation
    Inventors: Romelia H. Flores, Yu Gu, Kai Liu, Su Liu
  • Patent number: 10664908
    Abstract: Systems and methods are provided for providing an adjustment to a value estimate for a property that is considered distressed. In one embodiment, a method includes receiving the estimate of value for the property; determining, based on a model, the adjustment to the estimate of value, such that the model accounts for a characteristic of the property and a characteristic of the loan; and providing the adjustment.
    Type: Grant
    Filed: October 2, 2017
    Date of Patent: May 26, 2020
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: James Douglas Gordon, Pamela W. Sims, Aohua Chen, Michael G. Bradley
  • Patent number: 10657534
    Abstract: A data attack detection system that includes a record host and an orchestration host. The record host stores account information for card holders. The orchestration host includes a switch interface configured to receive transaction information for a card from a network. The orchestration host further includes a velocity trap engine that stores received transaction information for the card in a cardholder file. The velocity trap engine creates entries in a velocity transaction timestamp record for the card when the number of transactions for the card in the cardholder record within a first predetermined time interval exceeds a first activity level threshold. The velocity trap engine discontinues a transaction flow between the orchestration host and the record host for the card when the number of transactions for the card in the velocity transaction timestamp record within a second predetermined time interval exceeds a second activity level threshold.
    Type: Grant
    Filed: May 15, 2017
    Date of Patent: May 19, 2020
    Assignee: Bank of America Corporation
    Inventors: Therese H. Willis, James J. Park, Paul Marziani, Jeetendra H. Jain, Eric W. Doyle, Vikash Damani, Chinmay S. Barhale
  • Patent number: 10657140
    Abstract: Systems, methods and/or software for identifying relevancy and trending among multiple messages in a social networking context. Topics that are of interest and/or relevant to a user are classified based on factors including frequency and trending behavior. Alert indicators, such as color-coded “sparklines” are generated and displayed close to the associated messages, to attract appropriate levels of attention from the user. The alert indicators are regularly updated to reflect trending changes, in near real time, as they occur.
    Type: Grant
    Filed: May 9, 2016
    Date of Patent: May 19, 2020
    Assignee: International Business Machines Corporation
    Inventors: Alaa Abou Mahmoud, Paul R. Bastide, Fang Lu
  • Patent number: 10657130
    Abstract: This disclosure relates to methods, systems, and storage media for generating a performance profile of a node profile. First electronic activities linked to a first node profile can be accessed. For each first electronic activity, a type of the first electronic activity can be determined. A feature extraction policy can be selected to generate a first feature array for the first electronic activity. The first feature array for the first electronic activity can be generated based on the type of the first electronic activity. A first performance profile of the first node profile can be generated for the time period by providing the generated first feature array for each first electronic activity to one or more models trained using second feature arrays corresponding to second electronic activities of second node profiles. An association between the first node profile and the first performance profile can be stored.
    Type: Grant
    Filed: March 31, 2019
    Date of Patent: May 19, 2020
    Assignee: People.ai, Inc.
    Inventors: Devin Rice, Kavita Shah, Adam Draper, Wei Hai, Jose Alberto Muniz Navarro, Oleg Rogynskyy
  • Patent number: 10657263
    Abstract: Setting a budget of alerts for single or multiple risk score types, adjusting a working threshold based on the set budget, wherein adjusting the working threshold is done by defining an reference threshold for an alert, providing a history of recorded risk scores within a budget sliding interval window and adjusting the working threshold such that a number of alerts which would have been provided by the recorded risk scores is calculated to stay within the set budget, and using the adjusted working threshold to normalize and optionally combine incoming risk scores so as to determine whether an incoming risk score should receive an alert.
    Type: Grant
    Filed: April 18, 2017
    Date of Patent: May 19, 2020
    Assignee: International Business Machines Corporation
    Inventors: Allon Adir, Ehud Aharoni, Lev Greenberg
  • Patent number: 10650339
    Abstract: Provided are a method and a server for assessing a debt management competency, which provide a determination reference for inducing and educating an individual to rationally make a decision on a debt redemption by progressing the rounds by the predetermined number of times, selecting a specific debt among the plurality of debts and setting the amount of money to be repaid for the debt in an income for each round, setting an assessment grade for a user according to a debt settlement amount calculated in a final round, and providing a user with feedback information according to an assessment grade.
    Type: Grant
    Filed: May 24, 2017
    Date of Patent: May 12, 2020
    Assignee: AJOU UNIVERSITY INDUSTRY-ACADEMIC COOPERATION FOUNDATION
    Inventors: Do Yeong Kim, Jun Su Park, Gyoung Hwan Kim, Keon Ho Kim, Do Won Kim
  • Patent number: 10650454
    Abstract: An electronic trading system implements a display price that guarantees a minimum available quantity for trade. The electronic trading system determines a quantity of financial instruments available at various prices for incoming orders. A display bid price and display offer price are determined so that the quantity available at the display prices exceeds a display quantity threshold. The electronic trading system receives orders designated fast and slow. Fast orders are used for large, rapid trades at known prices. Slow orders trade with a delay for a price improvement auction. Orders meeting a minimum order quantity threshold may participate in an auction for incoming orders that offers price improvement to the execution price of aggressively priced orders. The electronic trading system implements risk management measures based on order size and percentage filled for individual trades and series of trades. The electronic trading system supports orders having multiple legs.
    Type: Grant
    Filed: September 17, 2015
    Date of Patent: May 12, 2020
    Assignee: NYSE Group, Inc.
    Inventors: Amy Joy Farnstrom, Steven G. Crutchfield, James Hyde
  • Patent number: 10650461
    Abstract: Systems, methods, apparatus, computer program code and means to improve dynamic data processing associated with one or more automated rating applications are provided. In some embodiments, an apparatus may include a communication device to receive a business type and a business location. The apparatus may also include a business owner's policy coverage or standalone general liability coverage platform to query a rating database, the query resulting in at least a first price for an entity. The apparatus may further include a professional liability coverage platform operating in parallel with a business owner's platform.
    Type: Grant
    Filed: October 6, 2015
    Date of Patent: May 12, 2020
    Assignee: Hartford Fire Insurance Company
    Inventors: Alex M. Carges, Anna M. Martinez, Robert A. Schenkel, Michael O. Wardle
  • Patent number: 10649977
    Abstract: In an approach for calculating a probability of a consistency violation of a transaction in a database management system, a processor receives a plurality of transactions within a predetermined time period. A processor identifies a first pattern in a first transaction of the plurality of transactions based on at least an isolation level of the transaction. A processor identifies a second pattern, wherein the second pattern is the cooperation between the first transaction and the second transaction. A processor determines that the first pattern of the first transaction substantially matches a preexisting pattern, wherein the preexisting pattern corresponds to values for a mathematical model for estimating a percentage of transactions in violation of consistency criteria. A processor extracts values from the first transaction based on the determined preexisting pattern. A processor calculates the mathematical model using the values from the first transaction and the values from the preexisting pattern.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: May 12, 2020
    Assignee: International Business Machines Corporation
    Inventors: Thomas H. Gnech, Steffen Koenig, Philipp A. Tölle
  • Patent number: 10650392
    Abstract: New and improved methods and systems for modeling the performance of selected company metrics. Multiple, non-traditional sets of objective data along with mathematical analytical techniques are used to provide transparency and visibility into company performance relating to the particular metrics. Company inflection points and changes in strategy may be identified. The performance of a company and/or the performance of a selected industry or industry sector may be analyzed.
    Type: Grant
    Filed: August 25, 2017
    Date of Patent: May 12, 2020
    Assignee: M SCIENCE LLC
    Inventors: Anthony Berkman, Seth Goldstein, Justin A. Jones
  • Patent number: 10650357
    Abstract: A technique for conducting secure financial and informational transactions via portable smart devices is disclosed, in which two transaction devices, e.g. an ATM and a smartphone or other smart connected device are both substantially simultaneously accessible by the user and are both independently connected with the account server by a secure connection between the transaction device for the ATM and a secure connection between the smartphone and a cellphone tower. Thus, authentication is provided by secure login on the two devices, i.e. the transaction device and the cellphone. Once the devices are both connected to the account server, handshaking between the two devices to confirm pairing of the right two devices is prompted, at which point, a transaction may proceed.
    Type: Grant
    Filed: December 10, 2013
    Date of Patent: May 12, 2020
    Inventor: Gary J. Wilson
  • Patent number: 10650468
    Abstract: An exemplary aspect comprises a computer system with a receiving component that receives application information for an insurance policy that extends the term of an existing life insurance product, and is pre-paid for by a third party, the third party to be paid fees based on the customer's selection of one of a first option providing the customer with the right of first refusal to continue the insurance policy, and a second option providing the third party with the right of first refusal to continue the insurance policy; an underwriting component that determines whether the customer qualifies for the insurance policy; a pricing component that calculates the fees to be paid by the customer to the third party; and a closing component that provides relevant closing documentation for the insurance policy to at least the customer, the insurance company, and the third party.
    Type: Grant
    Filed: April 18, 2019
    Date of Patent: May 12, 2020
    Assignee: INTEGRATED PLAN DESIGN LLC
    Inventors: Andrew Alan Hyman, Jon Franklin Davis, Jeffrey Young
  • Patent number: 10650636
    Abstract: An ecommerce platform, available via an interactive electronic resource, allows a user to purchase products and services from the resource, receive promotional-valued credits in return for the purchase, and play games to earn additional promotional-valued credits. The user can purchase products and services at the electronic resource with either or both of a government-issued legal tender, such as the U.S. dollar, or a virtual currency used by the electronic resource, such as the promotional-valued credits. In embodiments of the invention, the user is guaranteed that an amount of legal tender (e.g., the U.S. dollar) paid-in to the ecommerce platform is the same as or less than a fair market value of the products or services purchased via the ecommerce platform.
    Type: Grant
    Filed: May 4, 2017
    Date of Patent: May 12, 2020
    Assignee: 613 Ventures, LLC
    Inventor: Barry Shore
  • Patent number: 10650471
    Abstract: An image is captured within an application transaction. Identifying information corresponding to the captured image is obtained and displayed for user confirmation. The identifying information is entered into an appropriate place within the transaction.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: May 12, 2020
    Assignee: Microsoft Technology Licensing, LLC
    Inventor: Kyle S. Young
  • Patent number: 10650447
    Abstract: Controlling communications between arrangements of computing systems improves letter of credit (“LC”) administration, speed, flexibility, and reach. The computing systems can be operated by an Applicant, Issuer, Custody Bank, and Beneficiary. LC improvements are achieved by the Applicant computing system making a LC request to the Issuer computing system, which obtains a hold on non-cash collateral and provides the hold to the Custody Bank computing system, designating the Custody Bank as both nominated person and paying agent. The Custody Bank computing system obtains a hold on the collateral, using it to immediately act on Beneficiary payment requests in kind of the collateral. Under these arrangements, the LC is capable of immediate payment and automated amendments to Stated Amounts to rebalance capacity amongst Beneficiaries of the Applicant, the LC Stated Amount and collateral values are always equal, and the LC is less susceptible to payment interference, automatic stays, and double payment.
    Type: Grant
    Filed: April 5, 2018
    Date of Patent: May 12, 2020
    Assignee: GCSA CAPITAL LLC
    Inventor: Christopher Cononico
  • Patent number: 10652232
    Abstract: Session-specific information stored to a cookie or other secure token can be selected and/or caused to vary over time, such that older copies will become less useful over time. Such an approach reduces the ability of entities obtaining a copy of the cookie from performing unauthorized tasks on a session. A cookie received with a request can contain a timestamp and an operation count for a session that may need to fall within an acceptable range of the current values in order for the request to be processed. A cookie returned with a response can be set to the correct value or incremented from the previous value based on various factors. The allowable bands can decrease with age of the session, and various parameter values such as a badness factor for a session can be updated continually based on the events for the session.
    Type: Grant
    Filed: January 18, 2017
    Date of Patent: May 12, 2020
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventors: Gregory B. Roth, Nicholas Alexander Allen, Cristian M. Ilac
  • Patent number: 10642636
    Abstract: A method and a cloud management node for enabling usage of a virtual machine in a distributed cloud of resources for processing and storing of data. When receiving a VM image from a client with a set of files of an operating system for running the virtual machine, the cloud management node distributes the VM image to a plurality of local data centers forming the distributed cloud. In return, the cloud management node receives local identifications of the VM image from the local data centers, and creates a mapping between the received local identifications and a global identification of the VM image. The global identification is then returned to the client, thereby enabling the client to change the VM image in the local data centers by referring to the global identification in communication with the cloud management node.
    Type: Grant
    Filed: December 21, 2012
    Date of Patent: May 5, 2020
    Assignee: TELEFONAKTIEBOLAGET LM ERICSSON (PUBL)
    Inventors: Stefan Hellkvist, Jan-Erik Mångs, Joacim Halén
  • Patent number: 10643208
    Abstract: A digital payment system for facilitating seamless transactions from a user system to a buyer system. The system includes a service provider system which further includes a service interaction component. The service interaction component is configured to collect predefined information about the user system and the associated user. The service provider system also includes a payment engine for processing payments digitally based on data worth associated with the data owned by the user and authorized for sharing by the service provider to the buyer system. The payment engine calculates a payable amount payable digitally by the user to the service provider based on a digital transactional value indicative of the data worth associated with the data owned by the user and authorized for sharing, among other things. The system further includes a pre-consenting system configured to facilitate user authorization.
    Type: Grant
    Filed: February 24, 2019
    Date of Patent: May 5, 2020
    Assignee: Netspective Communications LLC
    Inventor: Shahid N. Shah
  • Patent number: 10642900
    Abstract: The present disclosure provides a method and an apparatus for displaying a search result based on deep question and answer. The method includes: receiving a query, in which the query is an entity recommendation query; acquiring aggregation results corresponding to the query, in which the aggregation results include entity answers and related information thereof, and the aggregation results are acquired by aggregating webpage texts comprising the entity answers respectively; and displaying the aggregation results.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: May 5, 2020
    Assignee: BEIJING BAIDUE NETCOM SCIENCE AND TECHNOLOGY CO., LTD.
    Inventor: Haojie Wei
  • Patent number: 10643259
    Abstract: Certain embodiments of the present invention provide methods and systems for dynamic classification of electronic vendors. Certain embodiments provide a method for dynamic vendor classification. The method includes analyzing a vendor based on a comparison of vendor features; categorizing the vendor based on the analysis; and permitting access to the vendor according to the categorization of the vendor. The categorization may include trusted, not trusted, or unsure, for example. Analysis may include comparing a first outlet of the vendor with a second outlet of the vendor, for example. Analysis may include comparing an outlet of the vendor with an outlet of a second vendor, for example. A vendor may be defined as a particular outlet for a vendor and/or all outlets associated with a vendor (a vendor entity).
    Type: Grant
    Filed: August 24, 2017
    Date of Patent: May 5, 2020
    Assignee: Sophos Limited
    Inventors: Paul Oliver Baccas, William James McCourt
  • Patent number: 10642906
    Abstract: A method of detecting coordinated attacks on computer and computer networks via the internet. The method includes using a web crawler to crawl the world wide web to identify domains and subdomains and their associated IP addresses, and to identify links between domains and subdomains, and storing the results in a database. When an IP address is identified as malicious or suspicious, the IP address is used as a lookup in the database to identify the associated domain and subdomain, and linked domains and subdomains. Those linked domains and subdomains are then identified as malicious or suspicious.
    Type: Grant
    Filed: December 15, 2016
    Date of Patent: May 5, 2020
    Assignee: F-Secure Corporation
    Inventors: Marko Finnig, Joakim Sandstrom
  • Patent number: 10635999
    Abstract: Methods and systems of assigning an appraiser to perform a task are provided. A request may be evaluated to identify elements corresponding to the request. The elements may be evaluated to determine the task having a task a task parameter, such as conducting an appraisal. The task may comprise accepting an appraisal order, contacting a property owner, setting up a meeting, identifying comparable properties, confirming an appraisal time, submitting the appraisal report, or submitting a satisfaction survey. An appraiser database may be assessed to identify a group of appraisers having appraiser characteristics corresponding to the task parameter. Appraisal scores may be determined for the appraisers within the group of appraisers. The task may be assigned to an appraiser within the group of appraisers based upon the appraisal scores. Responsive to the task being assigned to the appraiser, an assignment notification may be provided to the appraiser.
    Type: Grant
    Filed: July 12, 2017
    Date of Patent: April 28, 2020
    Assignee: ACCURATE GROUP HOLDINGS, LLC
    Inventors: Michael S. Cullen, Matthew R. Wasylyk, Dwayne William Waite, Sr., Frank John Guarnera, Jr., Rami Issa Zaboura, Kenneth Charles Gilbert
  • Patent number: 10628601
    Abstract: The present invention extends to methods, systems, and computer program products for detecting events from features derived from ingested signals. In one aspect, an event detection infrastructure determines that characteristics of multiple (and possibly private and/or non-private) signals, when considered collectively, indicate an event of interest to one or more parties. In another aspect, an evaluation module determines that characteristics of one or more (possibly private and/or non-private) signals indicate a possible event of interest to one or more parties. A validator then determines that characteristics of one or more other (possibly private and/or non-private) signals validate the possible event as an actual event of interest to the one or more parties. Signal features can be used to compute probabilities of events occurring.
    Type: Grant
    Filed: July 19, 2019
    Date of Patent: April 21, 2020
    Assignee: Banjo, Inc.
    Inventors: Damien Patton, Armando Guereca-Pinuelas, K W Justin Leung, Christian Gratton
  • Patent number: 10629190
    Abstract: A hardware device may receive a command from a user and then respond to that command with information. Such commands may cause an audible response to be broadcast via speaker. A device's audio reply to a command may include sensitive details that a person may not wish to share. When a device makes such an audio reply, it may therefore divulge sensitive information to one or more other people that are in listening range. A person utilizing such a device may thus inadvertently compromise his own privacy. The present disclosure includes techniques that are usable to mitigate such privacy exposures by detecting a presence of a second person in a surrounding environment and creating a reply that omits some or all of the sensitive information that might have otherwise been broadcast by a command device.
    Type: Grant
    Filed: November 9, 2017
    Date of Patent: April 21, 2020
    Assignee: PAYPAL, INC.
    Inventor: Frank Anthony Nuzzi
  • Patent number: 10628768
    Abstract: A computerized trading system includes a master node and a plurality of regional nodes, the master and regional nodes each including a processor and memory, and where the master node is communicatively coupled to each of the regional nodes over a network. The master node and regional nodes are programmed to perform a method for updating limits for each of the regional nodes, where the master node maintains a global limit and a ratio representing a proportion of the global limit allocable to each of the regional nodes. The master node allocates to each regional node a local limit that is a proportion of the global limit in accordance with the ratio, and monitors the local limit utilization at each of the regional nodes. When the master node detects one or more events, the master node allocates a new local limit to one or more of the regional nodes.
    Type: Grant
    Filed: May 5, 2017
    Date of Patent: April 21, 2020
    Assignee: FIDESSA TRADING UK LIMITED
    Inventors: Devin Bosanquet, Taylor Brunson, Stewart Fenton, Lee Muraleedharan
  • Patent number: 10630667
    Abstract: A client, a server, a method and an identity verification system are provided. The client is configured to generate a verification code and includes: a transaction initiating unit configured to initiate, in response to a predetermined identity verification event regarding a user, a random transaction between a first account and a second account in a data platform system, so that the random transaction is recorded in the data platform system; a verification code generating unit configured to generate, based on at least information about the random transaction, a verification code for verifying an identity of the user; and a sending unit configured to send the generated verification code to a server, so that the server verifies the identity of the user according to a record of the random transaction and the verification code, the data platform system being a decentralized distributed database and records therein being unchangeable and undeletable.
    Type: Grant
    Filed: January 30, 2017
    Date of Patent: April 21, 2020
    Assignee: SONY CORPORATION
    Inventor: Zhihui Zhang
  • Patent number: 10628839
    Abstract: Systems, methods, and computer-readable storage media are described for estimating real estate property values based on an adjusted repeat sales model using a regularized estimator. In one exemplary embodiment, a computer-implemented method calculates data for estimating the adjustments from an aggregated level to a first disaggregated level by marking a first transaction to a second transaction using a repeat sales house price index function at the aggregated level. The method also determines, using the calculated data, a regularized estimate of the deviation between the repeat sales house price index at the aggregated level and a repeat sales house price index at the first disaggregated level. The method further calculates the repeat sales house price index at the first disaggregated level based on the determined regularized estimate of the deviation from the aggregated level.
    Type: Grant
    Filed: May 15, 2013
    Date of Patent: April 21, 2020
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Stefan Krieger, J. Douglas Gordon, Yang Wang, Shaojie Chen, Ming Xiong
  • Patent number: 10628796
    Abstract: Systems and processes of comparing medical benefit options obtained from different, external sources are disclosed. The processes include a method of comparing plan benefits implemented in a computing system. The method includes: obtaining plan information associated with different plans from different external sources and which are related to pre-defined categories; normalizing the plan information into a common form for each of the pre-defined categories; and generating a visual display of a plurality of selectable and dynamically changeable areas each of which is associated with a pre-defined category of a different plan and which is populated with the normalized imported plan information in a standard format in a side-by-side manner.
    Type: Grant
    Filed: November 3, 2014
    Date of Patent: April 21, 2020
    Assignee: ADP, LLC
    Inventors: Benjamin J. Dziuba, Jesse S. Zolna
  • Patent number: 10630650
    Abstract: Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer, the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application, establishing a security protocol or security token utilized between the application server layer and the web services layer that is different from the security token cached on the web browser; and performing asynchronous processing based on user interaction with a goal-based planning application that processes data from a plurality of user accounts.
    Type: Grant
    Filed: October 27, 2017
    Date of Patent: April 21, 2020
    Assignee: BrightPlan LLC
    Inventors: Marthin De Beer, Krutarth Shah, Larry Robinson
  • Patent number: 10629089
    Abstract: A method and system of providing education content to a student is provided. A topic to be taught to a student is received. A user model of the student is identified. An electronic content model for the topic is determined. One or more presentation templates are identified based on the electronic content model. A concept map is determined based on the one or more presentation templates. A presentation template is selected from the one or more presentation templates. A segment of an educational content of the topic is provided to a user device of the student, based on the selected presentation template.
    Type: Grant
    Filed: May 10, 2017
    Date of Patent: April 21, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Jae-Wook Ahn, Maria D. Chang, Sharad Sundararajan, Ravi Tejwani, Patrick D. Watson
  • Patent number: 10621666
    Abstract: A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may establish a new Facilitation Cross order type which automatically performs a number of trading steps in a single uninterrupted sequence so as to help a risk trader fulfill a client investor's trading request efficiently and with lower market risk.
    Type: Grant
    Filed: September 17, 2014
    Date of Patent: April 14, 2020
    Assignee: IEX Group, Inc.
    Inventors: Bradley Toshio Katsuyama, Donald Bollerman, Matthew Norbert Trudeau, John Herbert Schwall, Ronan Gerard Ryan
  • Patent number: 10621657
    Abstract: The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit cards, all real estate loans, all automotive loans, all revolving credit loans, etc.) and all minimum payments due by category of debt, and more particularly to an on-line method and system for monitoring and reporting total credit used by category of debt, total minimum payments due by category of debt and total unused available credit by category of debt, and alerting the consumer on a periodic basis via email. Since the credit report is the basis of most credit scores this invention is meant to provide the consumer with debt categories that are used in calculating their credit score, which is critical to future borrowing especially when the borrowing is approved or disapproved based only on the user's credit score.
    Type: Grant
    Filed: October 3, 2011
    Date of Patent: April 14, 2020
    Assignee: CONSUMERINFO.COM, INC.
    Inventor: Sheldon Kasower
  • Patent number: 10621559
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: April 11, 2019
    Date of Patent: April 14, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10621680
    Abstract: A method and system for processing digital content objects, such as news stories, are provided. A user specifies digital content objects of interest. The user specification is then applied to a source of digital content objects in order to obtain a batch of digital content objects matching the specification. A value of a variable, such as a social media impact metric, is then determined for each of the digital content objects of the batch and these values are fitted to a distribution function in order to determine parameter values for the distribution function. A threshold value for alerting is then determined based on the parameterized distribution function. The specification can then continue to be applied to the source of digital content objects and when new digital content objects are found that match the specification, their values are compared against the threshold value for alerting and the user is alerted only in respect of new digital content objects that have values which exceed the threshold value.
    Type: Grant
    Filed: January 3, 2017
    Date of Patent: April 14, 2020
    Assignee: NEWSWHIP MEDIA LIMITED
    Inventor: Andrew Mullaney
  • Patent number: 10614457
    Abstract: A registered provider device encrypts provider input related to a transaction between the provider device and one of many registered user devices to create an encrypted one-time-use provider code (the encryption is performed using an encryption key produced, in part, using a uniquely sequenced number generated by a sequencer maintained by the provider device). Similarly, the user device encrypts user input to create an encrypted one-time-use user code using an encryption key produced, in part, using a uniquely sequenced number generated by a user sequencer maintained by the user device. The provider and user devices independently transmit their different encrypted one-time-use codes to an intermediate entity, which decrypts the encrypted codes. This decryption is performed using one-time-use encryption keys produced using sequencers maintained by the intermediate entity, and this decryption generates an authorization request.
    Type: Grant
    Filed: May 22, 2019
    Date of Patent: April 7, 2020
    Assignee: BenedorTSE LLC
    Inventor: Richard F. Carrott
  • Patent number: 10616236
    Abstract: Embodiments are directed towards a system and method for a cloud-based front end that may abstract and enable access to the underlying cloud-hosted elements and objects that may be part of a multi-tenant application, such as a search application. Search objects may be employed to access indexed objects. An amount of indexed data accessible to a user may be based on an index storage limit selected by the user, such that data that exceeds the index storage limit may continue to be indexed. Also, one or more projects can be elastically scaled for a user to provide resources that may meet the specific needs of each project.
    Type: Grant
    Filed: April 30, 2018
    Date of Patent: April 7, 2020
    Assignee: SPLUNK INC.
    Inventors: Robin Kumar Das, Ledio Ago, Declan Gerard Shanaghy, Gaurav Gupta
  • Patent number: 10614493
    Abstract: A method comprises receiving a customer's service cancellation request associated with a selected service, generating and moving a ticket to a service queue, determining a discount amount to offer to the customer, updating a ticket with the discount offer, notifying the customer of the discount offer, receiving an acceptance of the discount offer from the customer, assigning the accepted discount amount to at least one billing item associated with the selected service, receiving a confirmation of the assigned discount by the user, updating the ticket with the confirmed discount assignment, receiving an approval of the discount assignment by a user, generating and storing a billing item record including the approved discount assignment for each of the at least one billing item, updating the ticket with the approved discount assignment, closing the ticket, and generating a customer invoice for a reduced invoice amount in response to the approved discount assignment.
    Type: Grant
    Filed: July 27, 2011
    Date of Patent: April 7, 2020
    Assignee: SoftLayer Technologies, Inc.
    Inventors: Bradley Johnson, John D'Auria, Jason Gulledge
  • Patent number: 10614522
    Abstract: A data transaction processing system receives and processes equation-based electronic data transaction request messages. Transmitting equation-based electronic data transaction request messages that represent a large series of discrete values reduces the data transmission to the data transaction processing system. Processing equation-based electronic data transaction request messages instead of a series of discrete values reduces the amount of time need to perform transactions, greatly reducing processing latency. Equation-based electronic data transaction request messages can also be efficiently updated by modifying equation parameters, again reducing the amount of data transmitted to the data transaction processing system.
    Type: Grant
    Filed: March 20, 2017
    Date of Patent: April 7, 2020
    Assignee: Chicago Mercantile Exchange Inc.
    Inventor: Zachary Bonig
  • Patent number: 10607280
    Abstract: An estimate presentation device (110) that presents an estimate for expenses associated with a gas turbine is provided with: a lease charges estimating unit (113) that, when a lease agreement is concluded in which a component of components of the gas turbine which requires regular maintenance is to be leased as a leased component for a desired lease period, estimates lease charges for the leased component; and an estimate presenting unit (116) that presents an estimate for expenses associated with the gas turbine including the lease charges estimated by the lease charges estimating unit (113).
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: March 31, 2020
    Assignee: MITSUBISHI HITACHI POWER SYSTEMS, LTD.
    Inventor: Kodai Takenaka
  • Patent number: 10607226
    Abstract: A user device comprising: i) transmit path circuitry and receive path circuitry configured to communicate with a payment server; and ii) processing circuitry configured to control the transmit path circuitry and receive path circuitry. The processing circuitry is further configured to: a) receive a user input related to a payment process; b) calculate a risk score indicative of a likelihood of fraudulent activity associated with the payment process, wherein the risk score calculation is based on confidential information associated with the user that is stored on the user device; and c) transmit to the payment server a payment action and the risk score associated with the payment action without disclosing the confidential information. The confidential information comprises personally identifiable information and/or private information of the user. The processing circuitry calculates the risk score using a risk base model received from a model server.
    Type: Grant
    Filed: December 8, 2015
    Date of Patent: March 31, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Kunal M. Patel, Abraham J. Kang, Bulent Kasman, Peng Ning, Michael C. Grace
  • Patent number: 10606661
    Abstract: Systems and techniques are provided for managing and creating customized testing and development environments by a custom environment manager for computer or data management systems. In a specific implementation, the custom environment manager includes request receivers that receive orders associated with a prioritization from custom environment requestors and store the received orders in a request queue that holds multiple orders having different prioritizations and made by different requestors. The custom environment manager also includes pooled resource managers that track available virtual and physical computing resources needed to build custom environments. The custom environment manager also includes configurators that create custom environments based upon prioritization of the orders and available resources and return the custom environment to the requestor of the order.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: March 31, 2020
    Assignee: Rubrik, Inc.
    Inventors: Stefan Dao, Kenny To, Pete Yeh
  • Patent number: 10607268
    Abstract: A system for transferring funds using social network connections. The system sends application programming interface (API) requests to social networks to obtain “friend” information and create accounts into which funds are deposited and which may be retrieved by recipients via hyperlinks in messages provided through social networks. The system may also be used to request funds from social network friends. The system provides benefactor friends fund requests in the form of social network messages, which allow the benefactors to access the system and provide funds to a user via hyperlinks in the messages.
    Type: Grant
    Filed: October 9, 2017
    Date of Patent: March 31, 2020
    Assignee: Dwolla, Inc.
    Inventor: Benjamin P. Milne
  • Patent number: 10609172
    Abstract: Systems, devices and methods for adaptive compression of stored information includes a memory management computing device programmed to monitor a size of a plurality of data structures stored in a data repository. The computing device compares the size of each of a plurality of data structures to a predetermined threshold. When a size of an uncompressed data structure meets the threshold, the memory management computing device calculates a value of a first compression parameter based on a value of a first parameter and a value of a second parameter of each data element of the uncompressed data structure, calculates a value of a second compression parameter based the value of the first parameter of each data element of the uncompressed data structure, generates a compressed data structure based on the value of the first compression parameter and the second compression parameter; and replaces, in the data repository, the uncompressed data structure with the compressed data structure.
    Type: Grant
    Filed: December 5, 2017
    Date of Patent: March 31, 2020
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Fateen Sharaby, Sriram A. Raju Datla, Dhiraj Subhash Bawadhankar, John Charles Redfield, Justin Yeong-Juin Lee