Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 12034822
    Abstract: A method for location-dependent determination comprises: determining, with one or more processors, a geographic location of a user's electronic device using first data; in response to determining the determined geographic location is insufficient for performing a location-dependent determination, requesting second data to determine an updated geographic location of the user's electronic device; performing, with an Application Programming Interface (API), the location-dependent determination based on the updated geographic location; and completing, with the API, a transaction using the location-dependent determination.
    Type: Grant
    Filed: June 16, 2023
    Date of Patent: July 9, 2024
    Assignee: STRIPE, INC.
    Inventors: Noam Samuel, Ellen Stanfill, David C. Doran, Alexander Thiemann
  • Patent number: 12020232
    Abstract: Apparatus and methods for accelerating the remediation of broken transactions using parallel machine learning processing and optimization is provided. The methods may include a network access point receiving, from an application programming interface, a broken transaction. The methods may also include a network access point selecting a bionic element within a bio-mesh network for processing the broken transaction and routing the broken transaction to the bionic element. The bio-mesh network may include a plurality of bionic elements. The methods may further include the bionic element receiving the broken transaction and extracting, from the broken transaction, a set of features, transmitting the set of features to a policy bank, and, in response to the policy bank failing to identify a stored routine associated with the set of features for fixing the broken transaction, running in parallel two machine-learning algorithms to identify an optimal routine for fixing the broken transaction.
    Type: Grant
    Filed: February 11, 2022
    Date of Patent: June 25, 2024
    Assignee: Bank of America Corporation
    Inventors: Ramaswamy Muthukrishnan, Palamakula Satyanarayana Reddy, Sreekanth Raghuveer Maringanti
  • Patent number: 12020258
    Abstract: The current invention pertains to a computer-implemented method, a method, a use thereof, a computer system and a computer program product for determining a potential for anomalous activity by a suspect user, particularly for detecting fraud and most particularly for detecting money laundering.
    Type: Grant
    Filed: May 21, 2023
    Date of Patent: June 25, 2024
    Assignee: DISCAL NV
    Inventors: Tomás Matyska, Omkar Kulkarni, Tien Le, Barak Chizi, Vasileios Stathokostopoulos, Frans Thierens, Shahul Hameed, Bartel Puelinckx, Johan Thijs, Kevin Vanderspikken
  • Patent number: 12021689
    Abstract: Described herein are devices and methods for calculating a network sustainability index (NSI) and providing specific remediation/action plans to achieve better sustainability in network infrastructures. The NSI is calculated based on one or more of three main parameters: a reporting parameter, an optimization parameter, and/or a device energy efficiency rating. The reporting parameter may evaluate the capability of each device to report its power consumption, considering factors such as granularity, component-level reporting, and reporting frequency. The optimization parameter may assess whether a device participates in network energy optimization. The device energy efficiency rating may evaluate the energy efficiency of each device. A recommendation portal offers actionable insights and remediation plans based on the calculated NSI.
    Type: Grant
    Filed: June 30, 2023
    Date of Patent: June 25, 2024
    Assignee: Cisco Technology, Inc.
    Inventors: Ammar Rayes, Samer M. Salam, Balaji R. Venkatraman
  • Patent number: 12014387
    Abstract: The present disclosure relates to a system, method, and computer program for providing a pricing platform for performing pricing calculations for a plurality of different customers with different types of pricing calculations. An instance of the price-calculation pipeline is created for each of a plurality of customers of the pricing platform. The instances of the price-calculation pipeline are executed to perform pricing calculations for a plurality of different customers with different types of pricing calculations. For each instance of the price-calculation pipeline, a performance metric is generated for each of the modular pricing stages within the instance. The performance metrics are displayed in a user dashboard that provides user controls that enable the user to adjust the computational resources allocated to each of the modular pricing stages executing on the platform. The computational resources allocated to one or more modular pricing stages are adjusted in accordance with received user input.
    Type: Grant
    Filed: July 23, 2021
    Date of Patent: June 18, 2024
    Assignee: Apttus Corporation
    Inventors: Ramananda Gubbi Ramachandra, Balu Jaidev Sreekumar, Koti R. Nandyala, Maulik Patel, Sriranga Srinivasa Reddy Meeniga
  • Patent number: 12013839
    Abstract: Disclosed in some examples, are methods, systems, and machine readable mediums which provide an event processing system and indicator engine that provide indicators to one or more of the channel systems that pertain to a status of an issue experienced by a customer. The indicators are created in part based upon updates to the issue entered into a customer issue system and when displayed in a channel system, the indicators provide an indication that there is an update on the particular issue affecting the customer.
    Type: Grant
    Filed: November 16, 2020
    Date of Patent: June 18, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Agata T. Schner, Sherri L. Claycomb
  • Patent number: 12010077
    Abstract: A system that can, using reduced memory and processor resources, receive a plurality of electronic messages about a common category of electronic transactions, analyze data fields of the electronic messages, and identify electronic messages that share a common marker as being related to each other and to a given electronic transaction. The system can also extract a collection of related electronic messages as a message group, ascertain the message type of each electronic message in the message group, and determine whether any electronic messages are missing from the message group based on the collection of message types present in the message group, where a missing electronic message indicates an incomplete electronic transaction.
    Type: Grant
    Filed: December 9, 2022
    Date of Patent: June 11, 2024
    Assignee: Truist Bank
    Inventors: Kendra Henry, Luana Peterman
  • Patent number: 12008521
    Abstract: A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device. The program logic may further include interface logic coupled to the account management logic and the data storage device, the interface logic configured to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the plurality of users with web access to an on-line banking area of a website of a financial institution.
    Type: Grant
    Filed: December 29, 2021
    Date of Patent: June 11, 2024
    Assignee: Wells Fargo Bank, NA
    Inventors: Andrew J. Diggdon, John Maher, Karen Lynne Moore, Yon Wing Lee, Brian Paul McMahon
  • Patent number: 12008040
    Abstract: A system for dataflow graph processing comprises a communication interface and a processor. The communication interface is configured receive an indication to generate a dataflow graph, wherein the indication includes a set of queries. The processor is coupled to the communication interface and is configured to: determine dependencies of each query in the set of queries on another query; determine a DAG of nodes based at least in part on the dependencies; insert a node in the DAG of nodes to generate an updated DAG to enforce an expectation; determine a dataflow graph based on the updated DAG; and provide the dataflow graph.
    Type: Grant
    Filed: June 29, 2021
    Date of Patent: June 11, 2024
    Assignee: Databricks, Inc.
    Inventors: Michael Paul Armbrust, Andreas Neumann, Mukul Murthy, Jonathan Mio
  • Patent number: 12001987
    Abstract: A method, apparatus, and computer program product for improved risk compliance management are provided. An example method includes receiving, by a computing device, a request for an authenticated online session. The method further includes obtaining, by identification circuitry of the computing device, one or more first risk parameters associated with a first session establishment process. The one or more first risk parameters are associated with a first vendor performing the first session establishment process. The method further includes determining, by risk compliance circuitry of the computing device, if the one or more first risk parameters satisfy one or more first risk thresholds. In response to this determination, the method includes modifying, by risk adjustment circuitry of the computing device, one or more second risk thresholds associated with a second session establishment process to be performed by a second vendor.
    Type: Grant
    Filed: March 2, 2023
    Date of Patent: June 4, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Abhijit Rao, Masoud Vakili
  • Patent number: 11997493
    Abstract: A computer-implemented method to generate a hotspot confidence score for a hotspot in a network graph includes, receiving input data, wherein the input data includes a plurality of messages, each message containing a set of message data. The method further includes generating, based on the plurality of messages, a network graph. The method also includes identifying, in the network graph, a first hotspot. The method includes compiling a set of hotspot characteristics for the first hotspot. The method further includes receiving, in response to identifying the first hotspot, a first user feedback. The method also includes, generating, by a learning model, a hotspot confidence score for the first hotspot; and outputting the hotspot confidence score.
    Type: Grant
    Filed: September 1, 2020
    Date of Patent: May 28, 2024
    Assignee: International Business Machines Corporation
    Inventors: Srinivasan S. Muthuswamy, Subhendu Das, Mukesh Kumar, Carl Ottman
  • Patent number: 11995570
    Abstract: The present disclosure relates to methods and systems for providing personalized digital advice. A digital advisor service applies cross-entity historical interaction (e.g., behavior attributes) to one or more predictive models to identify one or more personalized goals for a user. The digital advisor service provides, via an application programming interface, the identified one or more personalized goals to an entity service, enabling the entity service to present the one or more personalized goals.
    Type: Grant
    Filed: April 11, 2022
    Date of Patent: May 28, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mollie Wendel, Robert J. Eckelbarger, Stephen Holloway, Matthew J. Kosub, Lyndsey Nicole Stevens
  • Patent number: 11995722
    Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.
    Type: Grant
    Filed: July 11, 2023
    Date of Patent: May 28, 2024
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Ari Studnitzer, Zachary Bonig, Ryan Eavy, Frank Kmiec, Barry Galster, Paul Callaway
  • Patent number: 11995160
    Abstract: One or more graphical user interfaces (GUIs) and/or a console management, modeling, and analysis system is described. In some embodiments, the GUI and/or management system can be used to analyze investment purchases and/or sales. In some embodiments, users may be allowed to enter data used to produce dynamic models. In some embodiments, data may be aggregated from various users and/or sources to provide adaptive, dynamic models and/or projections.
    Type: Grant
    Filed: February 14, 2022
    Date of Patent: May 28, 2024
    Inventor: Shawn Joseph
  • Patent number: 11989733
    Abstract: A method receives an electronic image and uses the image as an input to a neural network. Based on a determination that the image represents a document, the method uses the image as an input to another neural network to identify a portion of the document containing an identifier. The method extracts the identifier by performing character recognition on the identified portion and determines whether the identifier is valid by using a validation API to determine whether the identifier is associated with a valid account at an institution. Based on a determination that the identifier is associated with a valid account, the method authorizes a transaction associated with the identifier. Based on a determination that the identifier is not associated with a valid account, the method denies the transaction. The first neural network classifies the electronic image into one of multiple valid document types and an invalid document type.
    Type: Grant
    Filed: October 15, 2021
    Date of Patent: May 21, 2024
    Assignee: ADP, Inc.
    Inventors: Carlos Nascimento, Guilherme Gomes, Roberto Coutinho, Roberto Silveira
  • Patent number: 11989775
    Abstract: A computer-implemented method includes providing certified financial data indicating financial risk about an individual. The method includes electronically collecting financial account data about the individual from at least one financial source. The method includes transforming the financial account data into a desired format. The method includes validating the financial account data by applying an algorithm engine to the financial account data to identify exceptions, wherein the exceptions indicate incorrect data or financial risk. The method includes marking the exceptions as valid exceptions when output of the algorithm engine validates the exceptions. The method includes confirming the exceptions by collecting additional data and applying the algorithm engine to the additional data.
    Type: Grant
    Filed: September 7, 2020
    Date of Patent: May 21, 2024
    Assignee: Formfree Holdings Corporation
    Inventor: Brent A. Chandler
  • Patent number: 11983726
    Abstract: A consumption prediction method includes the following steps: calculating a personal preference correlation coefficient; inputting historical environment data, a historical consumption record and the personal preference correlation coefficient into a first neural network model; a training model is generated by the first neural network model; and determining whether the accuracy rate of the training model is higher than the training threshold. When the accuracy rate of the training model is higher than the training threshold, the training model is regarded as a prediction model.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: May 14, 2024
    Assignee: QUANTA COMPUTER INC.
    Inventors: Wen-Kuang Chen, Chien-Kuo Hung, Chun-Hung Chen, Chen-Chung Lee
  • Patent number: 11983770
    Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.
    Type: Grant
    Filed: November 25, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Christina A. Trayers, Stuart Rehfuss, Julie A. Lane, Sue Murphy, Rodney E. O'Neal, Ashwin Pinto
  • Patent number: 11983712
    Abstract: Location modeling may be generated for candidate locations based on validated location data. The location models for candidate locations may be based on validated location data associated with wireless access points that is validated using transaction data. Such validation may include comparing an identifier associated with candidate location data received from a client device to an identifier for a transaction account associated with a transaction from transaction data at a candidate location. Matching transaction data and candidate location data may generate validated location data to be used in generating location models for candidate locations.
    Type: Grant
    Filed: September 16, 2020
    Date of Patent: May 14, 2024
    Assignee: GOOGLE LLC
    Inventors: Philip McDonnell, Joshua Sacks, Michael Chu, Zhengrong Ji
  • Patent number: 11983610
    Abstract: A computer system is configured to receive a dataset that includes a plurality of transaction request records and is divisible into a plurality of segments. Each transaction request record includes an individual score calculated by a machine learning algorithm. The computer system also receives a plurality of constraints. The computer system is configured to calculate, using a linear programming algorithm, a decision threshold score for a particular segment of the plurality of segments using the transaction request records. The computer system is configured to provides access to the calculated decision threshold score to a production computer system. The production computer system is configured to use the decision threshold score to evaluate a subsequent transaction request corresponding to the particular segment.
    Type: Grant
    Filed: December 10, 2019
    Date of Patent: May 14, 2024
    Assignee: PayPal, Inc.
    Inventors: Chiara Poletti, Hanlin Wu, Xing Ji, Moein Saleh
  • Patent number: 11983767
    Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.
    Type: Grant
    Filed: September 15, 2022
    Date of Patent: May 14, 2024
    Assignee: AMERICAN EXPRESS KABBAGE, INC.
    Inventors: Robert Frohwein, Kathryn Petralia
  • Patent number: 11985201
    Abstract: A system for user registration and preference configuration for a data sharing platform is provided. The system comprises a database system containing data relating to a plurality of users and user profile configuration settings relating to the plurality of users and memory storing instructions that, when executed by one or more processors, cause the one or more processors to generate a graphical user interface and provide the graphical user interface over a network to a user device, receive a user profile configuration setting and a designation of at least one experience provider with which to share data of the user, and store, in the database system via associate linking, the user profile configuration setting and the designation of the at least one experience provider with which to share data of the user.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: May 14, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chintan Mehta, Jason Strle
  • Patent number: 11977912
    Abstract: A banking pipeline for processing various transactions for multiple financial instruments is disclosed herein. The pipeline may have three distinct interpreters, a transaction interpreter, a rollup interpreter, and a rules interpreter. Different aspects of the transaction may be performed on separate interpreters and each interpreter may perform its aspect of the transaction before the next interpreter begins.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: May 7, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew Fellows, Annette Chen, Leandra Irvine
  • Patent number: 11979468
    Abstract: The present disclosure relates to methods, systems, and storage media for detecting events based on updates to node profiles from electronic activities. Exemplary implementations may access an electronic activity transmitted or received via an electronic account associated with a data source provider; generate a plurality of activity field-value pairs; maintain a plurality of node profiles; identify a first state of a first node profile of the plurality of node profiles; update the first node profile using the electronic activity; identify a second state of the first node profile subsequent to updating the first node profile using the electronic activity; detect a state change of the first node profile based on the first state and the second state; determine that the state change satisfies an event condition; and store an association between the first node profile and an event type corresponding to the event condition.
    Type: Grant
    Filed: November 23, 2020
    Date of Patent: May 7, 2024
    Assignee: People.ai, Inc.
    Inventors: John Wulf, Sathya Hariesh Prakash, Tetiana Lutsaievska, Oleg Rogynskyy
  • Patent number: 11966970
    Abstract: An example method and system for income determination analysis is disclosed. A document packet of income related documents is converted to an image file. The image file is split into separate documents and the separated documents are classified. An automated scanning tool is selected for the separated documents. Income related data is determined from the separated documents. An interface may be generated based on the confidence of the determined income related data for operator input and validation of the income related data. Multiple models are applied for calculation of income. A virtual panel is provided that incorporates the results of the multiple models to determine if further analysis is required.
    Type: Grant
    Filed: February 8, 2022
    Date of Patent: April 23, 2024
    Assignee: LOANCRAFT, LLC.
    Inventors: Ronald Frederick George, Anneliese Rossi
  • Patent number: 11967307
    Abstract: Techniques are disclosed for applying a trained machine learning model to incoming voice communications to determine whether the voice communications are genuine or not genuine. The trained machine learning model may identify vocal attributes within the target call and use the identified attributes, and the training, determine whether the target call is genuine or not genuine. An applied trained machine learning model may include multiple different types of trained machine learning models, where each of different types of machine learning models is trained and/or configured for a different function within the analysis.
    Type: Grant
    Filed: February 12, 2021
    Date of Patent: April 23, 2024
    Assignee: Oracle International Corporation
    Inventor: Suraj Shinde
  • Patent number: 11966969
    Abstract: A system including an e-commerce server configured to communicate with a rent-to-own (RTO) management application and a consumer device is disclosed. The e-commerce server includes: i) an e-commerce application configured to provide an e-commerce website to the consumer device, the e-commerce website having a plurality of e-commerce user interfaces including a checkout interface, and ii) a RTO plug-in integrated with the e-commerce application to facilitate a RTO transaction through the e-commerce website. The RTO plug-in is executable by the e-commerce server to: i) integrate a RTO control element in the checkout interface, wherein the RTO control element is selectable to initiate the RTO transaction as a payment option for a good, and ii) after selection of the RTO control element, provide to the consumer device one or more than one RTO user interface received from the RTO management application, to facilitate completion of the RTO transaction through the e-commerce website.
    Type: Grant
    Filed: September 2, 2022
    Date of Patent: April 23, 2024
    Assignee: FLEXSHOPPER, INC.
    Inventors: Brad Bernstein, Justin Metzl, Andres Galindo
  • Patent number: 11966906
    Abstract: A transfer platform can allow users to participate in campaigns based on one or more types of user activity data and corresponding activity values set by the users. The transfer platform can receive the user activity data from one or more sources, such as user devices and data source platforms. Based on received user activity data, and corresponding activity values, the transfer platform can determine transfer amounts to be transferred from one or more source accounts to one or more destination accounts. Accordingly, the transfer platform can implement transfers based on user activity data that indicates user engagement in one or more activity types.
    Type: Grant
    Filed: February 9, 2022
    Date of Patent: April 23, 2024
    Inventor: Joel Millar
  • Patent number: 11966887
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that enable network transactions between user accounts belonging to different network transaction platforms and unify user account modifications across user accounts on different network transaction platforms. For instance, the disclosed systems can cause two or more network transaction platforms to transmit and/or receive transactional values from one or more intermediary holding accounts upon receiving network transaction requests between user accounts belonging to the two or more network transaction platforms. In addition, the disclosed system can unify user account data on different network transaction platforms by modifying or updating the user account data (e.g., user attributes) by propagating schematized data messages to the one or more other network transaction platforms with instructions to modify or update the user attributes on other user accounts related to the user account.
    Type: Grant
    Filed: October 27, 2022
    Date of Patent: April 23, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Richard Vorp, Geetha Premraj, Michael Ducker, Priyanka Seth, Praveen Jain, Fletcher Fowler
  • Patent number: 11968528
    Abstract: A method of validating an enterprise phone number service request is provided. The method includes generating, by an enterprise validator, an authentication code corresponding to a phone number and transmitting the authentication code to an enterprise. The method further includes transmitting, by an enterprise to a service provider, a service request that includes the authentication code and identifies a service corresponding to the phone number. The method further includes transmitting, by the service provider to the enterprise validator, a validation request that includes the authentication code and identifies the phone number. The method further includes validating, by the enterprise validator, that the authentication code in the validation request matches the authentication code generated by the enterprise validator; and, upon validation, providing, by the service provider to the enterprise, a service for the phone number.
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: April 23, 2024
    Assignee: Somos, Inc.
    Inventors: Harald Hauser, Li Kong, Julio Roberto Armenta, Ryan Patrick Karnas, Kyle Belcher
  • Patent number: 11966893
    Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
    Type: Grant
    Filed: August 3, 2021
    Date of Patent: April 23, 2024
    Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.
    Inventors: Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Ley
  • Patent number: 11961060
    Abstract: Implementations described herein relate to methods, systems, and computer-readable media to determine transaction specific parameters. In some implementations, a method includes receiving a plurality of data records, wherein each data record comprises a plurality of attribute values associated with a transaction, grouping the plurality of data records into two or more clusters, wherein each cluster is associated with a respective set of attribute values, identifying a respective set of rules for each cluster of the two or more clusters, loading the data records and the respective set of rules for each cluster into a respective cache, and analyzing, in parallel with a plurality of program threads that execute on a respective processor associated with the respective cache and without accessing an external memory, such that the cache provides data locality for the data records using the respective set of rules.
    Type: Grant
    Filed: October 27, 2022
    Date of Patent: April 16, 2024
    Assignee: LINEN SOFTWARE INC.
    Inventors: Jacob Mathew, Yeshwant Nayak
  • Patent number: 11962511
    Abstract: User identities can managed at an organization level, instead of across multiple individual resource accounts. In a resource provider environment, access to various resources and services may require users to have identities with specific resource accounts. Users can instead be associated with organization accounts, or virtual accounts that are not associated with specific resources or services. The organization accounts are attached at the appropriate location(s) in an organizational hierarchy. A user having an organization account can project the identity in any sub-account in the organization hierarchy. This can include any lower-level resource account, or can child accounts under a relevant branch of the hierarchy. A user can validate against the organization account, and receive access to the relevant service or resources using the identity projected in the corresponding resource account.
    Type: Grant
    Filed: July 21, 2022
    Date of Patent: April 16, 2024
    Assignee: Amazon Technologies, Inc.
    Inventors: Conor Patrick Cahill, Jasmeet Chhabra, Daniel Stephen Popick
  • Patent number: 11961067
    Abstract: A network node includes at least one processor, at least one memory, and at least one network interface. The network node is configured to be within a plurality of network nodes communicatively coupled in a peer-to-peer network of network nodes implementing a distributed ledger. The network node is configured to be communicatively coupled to at least one remotely located computing device through the at least one network interface. The at least one processor is configured to determine a split ratio for a new split of security tokens held in at least one address of the distributed ledger. The at least one processor is also configured to store an indication of the split ratio without updating token balances for all of the at least one address in a list of addresses holding at least one of the security tokens.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: April 16, 2024
    Assignee: tZERO IP, LLC
    Inventors: Justin Wilson, Nicole Sanders, Robert Christensen, Chase Lester, Andrew Warner
  • Patent number: 11961124
    Abstract: Systems and methods are disclosed for providing non-intrusive advertising content to users. The method includes receiving user input reflecting user content preferences for receiving desired content related to specific topics in lieu of standard advertising content. The method may further include receiving a web request for electronic and then retrieving desired content based on user content preferences. Thereafter, the method may include choosing non-intrusive advertising content and generating one or more datagrams including the desired content and the non-intrusive advertising content. The requested electronic content along with generated datagrams content may then be provided for displaying.
    Type: Grant
    Filed: November 17, 2014
    Date of Patent: April 16, 2024
    Assignee: Yahoo Ad Tech LLC
    Inventor: Jeffrey Todd Wilson
  • Patent number: 11961145
    Abstract: A method for predicting a financial product price based on an accumulation distribution indicator includes the following steps: step S1: inputting, by a user, a ticker symbol; step S2: calculating, by a system, an accumulation distribution indicator value based on daily trade data; step S3: calculating an accumulation distribution interval and an average candlestick; step S4: determining whether the accumulation distribution indicator breaks through the accumulation distribution interval upward or downward; if the accumulation distribution indicator breaks through the accumulation distribution interval upward or downward, going to step S6, otherwise, going to step S5; step S5: displaying a chart with the average candlestick; and step S6: displaying a breakout mark, where the breakout mark is a rising mark if an upward breakout occurs or is a falling mark if a downward breakout occurs, and displaying the chart with the average candlestick.
    Type: Grant
    Filed: January 14, 2022
    Date of Patent: April 16, 2024
    Inventor: Sun Sun Chan
  • Patent number: 11954064
    Abstract: A cloud migration framework may include an enterprise application data store that contains electronic records associated with enterprise applications. Each record may include, for example, an electronic record identifier and enterprise application parameters. A data repository stores a catalogue of cloud computing patterns. A back-end application computer server retrieves information from the enterprise application data store and, based on enterprise application parameters, creates a move group representing a subset of the enterprise applications. For each application in the move group, the computer server identifies whether an appropriate cloud computing pattern exists in the catalogue. If an appropriate cloud computing pattern is identified, it is used to automatically create a reference implementation of the enterprise application in a cloud computing environment.
    Type: Grant
    Filed: January 14, 2022
    Date of Patent: April 9, 2024
    Assignee: Hartford Fire Insurance Company
    Inventor: Rajesh Kamlakar Nerurkar
  • Patent number: 11954120
    Abstract: The present invention is a system and method for recording right transfer in blockchain. There are three types of tokens, each of which may include a definition of rights. The rights can also be split or merged during circulation of tokens. The blockchain system ensures totality of rights does not increase nor decrease before and after circulation.
    Type: Grant
    Filed: August 26, 2022
    Date of Patent: April 9, 2024
    Inventor: Hao Xu
  • Patent number: 11954734
    Abstract: An exemplary system according to the present disclosure comprises a computing device that in operation, causes the system to receive financial product or financial portfolio data, map the financial product to a risk factor, execute a risk factor simulation process involving the risk factor, generate product profit and loss values for the financial product or portfolio profit and loss values for the financial portfolio based on the risk factor simulation process, and determine an initial margin for the financial product. The risk factor simulation process can be a filtered historical simulation process.
    Type: Grant
    Filed: September 12, 2022
    Date of Patent: April 9, 2024
    Assignee: Intercontinental Exchange Holdings, Inc.
    Inventors: Atsushi Maruyama, Boudewijn Duinstra, Christian A. M. Schlegel, Daniel R. de Almeida, Fernando V. Cerezetti, Gabriel E. S. Medina, Ghais Issa, Iddo Yekutieli, Jerome M. Drean, Marcus Keppeler, Rafik Mrabet, Stephen R. Pounds, Wen Jiang, Yanyan Hu, Yunke Yang
  • Patent number: 11948197
    Abstract: An exemplary system according to the present disclosure comprises a computing device that in operation, causes the system to receive financial product or financial portfolio data, map the financial product to a risk factor, execute a risk factor simulation process involving the risk factor, generate product profit and loss values for the financial product or portfolio profit and loss values for the financial portfolio based on the risk factor simulation process, and determine an initial margin for the financial product. The risk factor simulation process can be a filtered historical simulation process.
    Type: Grant
    Filed: September 12, 2022
    Date of Patent: April 2, 2024
    Assignee: Intercontinental Exchange Holdings, Inc.
    Inventors: Atsushi Maruyama, Boudewijn Duinstra, Christian A. M. Schlegel, Daniel R. de Almeida, Fernando V. Cerezetti, Gabriel E. S. Medina, Ghais Issa, Iddo Yekutieli, Jerome M. Drean, Marcus Keppeler, Rafik Mrabet, Stephen R. Pounds, Wen Jiang, Yanyan Hu, Yunke Yang
  • Patent number: 11948141
    Abstract: A method, performed by an initiator system, for securely initiating a checkout with an enrolled device includes the steps of receiving, from an untrusted device, a checkout request including a user identifier; determining whether the user identifier is associated with one of a plurality of enrolled devices in an enrolled device database; responsive to a determination that the user identifier is associated with an enrolled device, retrieving user data associated with the user identifier; sending, to the untrusted device, a request for instructions to perform a checkout with the enrolled device; receiving, from the untrusted device, instructions to perform the checkout with the enrolled device; generating a request to perform the checkout with the enrolled device; and initiating a checkout by sending, to a communication system, a request to initiate a checkout with the enrolled device over a secure communications channel.
    Type: Grant
    Filed: September 22, 2020
    Date of Patent: April 2, 2024
    Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD
    Inventors: Srinath Ravinathan, Hancong Guan, Teck Yong Tan
  • Patent number: 11948150
    Abstract: A computer-based method includes receiving an activity data associated with a user; where a first user activity profile of the activity data is associated with: a) a first profile identifier, and b) a first instrument, where the first instrument comprises a first security measure; receiving an authentication request to authenticate an identity of the user; generating a security challenge to identify the user; the security challenge being based on a second user activity profile of the activity data; receiving a security response to the a security challenge from an instrument generation module; the security response comprising a second profile identifier associated with a second instrument; authenticating the user based on the security response; generating a third profile identifier to replace the first profile identifier; instructing the instrument generation module to dispense a third instrument; where the third instrument includes: a) the third profile identifier, and b) a second security measure.
    Type: Grant
    Filed: October 21, 2022
    Date of Patent: April 2, 2024
    Assignee: Capital One Services, LLC
    Inventors: Srinivasa Chigurupati, Kevin Osborn
  • Patent number: 11948128
    Abstract: The system and methods described herein allow users to give their applicant information when seeking to purchase a good with financing from multiple potential lenders, and may be pre-screened by one or more rule sets implemented by a marketplace client in an eligibility analysis to ultimately submit applicant information to a subset of the multiple potential lenders which are found to be suitable for lending to an applicant based on the applicant information, wherein lender microservices are then run in a jailed, firewalled, and self-contained, autonomous environment, and the results of said lender microservices are reported to the user and may be used to change the one or more rule sets implemented by the marketplace client for future pre-screening of applicants.
    Type: Grant
    Filed: December 8, 2021
    Date of Patent: April 2, 2024
    Assignee: Capital One Services, LLC
    Inventors: Satish Kesiboyana, Rajaboopathy Vijayaraghavan, Nithya Subramanian, Thomas Sickert
  • Patent number: 11948190
    Abstract: Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.
    Type: Grant
    Filed: November 3, 2022
    Date of Patent: April 2, 2024
    Assignee: Citizens Financial Group, Inc.
    Inventors: Andrew Kamron Rostami, Robert J. Sherman, Christina Elizabeth Sweeny, Gaurav Sethi, Scott Joseph Slagsvol, Rebecca Marie Hornbuckle, Shaun Kevin Fisher, Najmeh Mirzaie, Grace Elisabeth Nicklin
  • Patent number: 11941703
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: March 26, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Patent number: 11941588
    Abstract: A virtualized blockchain forest includes a plurality of individual blockchains. Each individual blockchain of the plurality includes a blockchain height, a genesis block, and at least one additional block. The virtualized blockchain forest further includes a plurality of participating processors that make up a consensus pool, and a blockchain forest height having a time-sequenced start-to-finish length of blocks among the collective plurality of individual blockchains. The virtualized blockchain forest is configured to aggregate different ones of the plurality of individual blockchains, and is further configured to terminate individual ones of plurality of individual blockchains.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: March 26, 2024
    Assignee: Cable Television Laboratories, Inc.
    Inventors: Steven John Goeringer, Brian Alexander Scriber, Robert Michael Lund
  • Patent number: 11941696
    Abstract: Aspects of the disclosure relate to enhanced tracking of processed events. A computing platform may receive event processing identifiers corresponding to a particular event. Using the event processing identifiers, the computing platform may generate event linkage information corresponding to the particular event, and may store the event processing identifiers along with the event linkage information. The computing platform may receive a request to access event lifecycle information corresponding to the particular event. Using the event linkage information, the computing platform may identify a plurality of event processing systems performed actions associated with the particular event. The computing platform may request and receive, from each of the plurality of event processing systems, system-specific event lifecycle information corresponding to the particular event.
    Type: Grant
    Filed: December 6, 2022
    Date of Patent: March 26, 2024
    Assignee: Bank of America Corporation
    Inventor: Manoj Narayanan
  • Patent number: 11935145
    Abstract: Disclosed are various aspects of computer-implemented systems and methods for enhancing safety in real estate transactions. In one aspect a user is provisioned with a real estate mobile application with a safety engine on a mobile computing device. Next, the user enters parameters or the application automatically populates parameters based off at least a safety timer limit, a time extension amount, an emergency contact, a timer authentication code, or an emergency code. Next, a user selects a property and visits, wherein the application initiates GPS tracking and checks the user in. The user's property visits, check in and check out are logged and streamed to a database for verification. If the user fails to check out or respond to the timer authentication code an emergency service is alerted and or the device emits an emergency audible sound.
    Type: Grant
    Filed: February 11, 2022
    Date of Patent: March 19, 2024
    Assignee: QUITCHET, LLC
    Inventor: Robert Mahon Morgan
  • Patent number: 11935132
    Abstract: The present invention relates to a smart pension management system and a driving method therefor. The smart pension management system comprises: a number-of-accounts calculation unit for calculating the number of pension accounts by using user age information, life expectancy information, and pension indexes; a payment amount determination unit for determining a monthly pension payment by using the number of pension accounts calculated by the number-of-accounts calculation unit; and a payment processing unit for paying, to a user's account, the monthly pension payment determined by the payment amount determination unit, and thus a client can transparently and easily check pension payment details and management situation.
    Type: Grant
    Filed: May 13, 2020
    Date of Patent: March 19, 2024
    Inventor: Chang Hoon Kim
  • Patent number: 11935024
    Abstract: Systems and methods for generation and aggregation of point-of-sale account data and generation of a marketplace platform are disclosed. Transaction information may be utilized to value one or more businesses, and those valuations may be presented to potential buyers in a generated marketplace platform. A remote system may facilitate a sales agreement between a buying merchant and a seller merchant by, for example, transferring funds from a remote system account to the selling merchant's account and accepting repayment from the buying merchant over time. Merging of transaction information and/or user accounts pursuant to the sales agreement may also be performed.
    Type: Grant
    Filed: August 21, 2020
    Date of Patent: March 19, 2024
    Assignee: Block, Inc.
    Inventors: Christopher Cziraky-Stanley, Ryan Tai, Brian Mullins