Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 9819396
    Abstract: Communicating via near field communication (NFC) between a reader and an application on an NFC-enabled device. A point of sale (POS) device and a consumer's mobile communication device establish an NFC session in accordance with each of the protocol layers of both International Organization for Standardization (ISO)/International Electrotechnical Commission (IEC) 14443 and ISO/IEC 7816 standards. A commerce application executing on the consumer's mobile communication device at a protocol layer above the ISO/IEC 14443 and ISO/IEC 7816 standards communicates a plurality of NFC application protocol data units (APDUs) to the POS device. At least one such APDU includes a consumer identifier. The consumer identifier includes a portion identifying the commerce application.
    Type: Grant
    Filed: October 28, 2015
    Date of Patent: November 14, 2017
    Assignee: GOOGLE INC.
    Inventors: Anthony J. Sabetti, Jason S. Qian, Larry L. Bush
  • Patent number: 9818112
    Abstract: Systems and methods for authenticating a party are disclosed. A transaction may be initiated between a relying party and a presenter. The relying party can send the presenter a message with transaction information and requirements for authentication. The presenter can forward the message to a third party, which can authenticate the presenter to the relying party.
    Type: Grant
    Filed: March 25, 2014
    Date of Patent: November 14, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Kiushan Pirzadeh, Simon Hurry, Thomas Manessis
  • Patent number: 9818087
    Abstract: In embodiments of the present invention improved capabilities are described for a human resource management platform that includes applications targeted to solve a variety of human resource and benefits administration management problems. Applications of the human resource management platform include business applications such as benefits administration that may provide a single solution for facilitating employee benefits management and organizational efficiencies through automation of benefit management functions, measurement of benefit provider effectiveness, and the like.
    Type: Grant
    Filed: June 9, 2014
    Date of Patent: November 14, 2017
    Assignee: ADP, LLC
    Inventors: Thomas A. Cooper, Colin J. Turner
  • Patent number: 9818105
    Abstract: Disclosed herein are example embodiments for guaranty provisioning via wireless service purveyance. For certain example embodiments, at least one device, such as a server device of a wireless service provider: (i) may detect at least one proffered guaranty transaction that is associated with at least one product transaction; or (ii) may proffer at least one guaranty based at least partially on at least one wireless service data stream.
    Type: Grant
    Filed: December 31, 2013
    Date of Patent: November 14, 2017
    Assignee: Elwha LLC
    Inventors: Edward K. Y. Jung, Richard T. Lord, Robert W. Lord
  • Patent number: 9819662
    Abstract: Systems and methods are provided for authenticating a user. In one implementation, a computer-implemented method is provided. According to the method, transaction history information for each one of a set of users is maintained in a storage device. The method provides identifiers associated with items for display and receives, from one of the users, a selection of one or more of the identifiers. The method further authenticates the user as a function of the selection and a transaction history of the user.
    Type: Grant
    Filed: May 19, 2014
    Date of Patent: November 14, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: Peter C. Fang, Sebastian Lehmann
  • Patent number: 9813976
    Abstract: A method and system of detecting a delinquent mobile user device. An international mobile subscriber identity (IMSI) of a subscriber identity module (SIM) card of the user device is determined by the user device. The IMSI is sent to a Remote Recovery Server (RRS). A message is received from the RRS as to whether the IMSI is authorized for the user device. Upon determining that the IMSI is not authorized for the user device, a notification is displayed on a display of the user device.
    Type: Grant
    Filed: March 28, 2016
    Date of Patent: November 7, 2017
    Assignee: T-Mobile USA, Inc.
    Inventors: Senthil Kumar Mulluppadi Velusamy, Kevin Lau
  • Patent number: 9811567
    Abstract: Systems and methods of prioritizing retrieval and/or processing of data related to a subset of attributes based on a prediction of associated values are presented herein. In certain implementations, a request for values associated with respective first attributes may be received. Based on the request, first queries for data related to the first attributes may be performed. Based on the first queries, a first subset of data related to calculating at least some of the associated values may be received. At least some of the associated values may be predicted based on the first subset of data. Based on the prediction of the associated values, retrieval and/or processing of data related to a first subset of the first attributes may be prioritized over retrieval and/or processing of data related to one or more other subsets of the first attributes.
    Type: Grant
    Filed: January 29, 2016
    Date of Patent: November 7, 2017
    Assignee: ZOOMDATA, INC.
    Inventors: Justin Langseth, Jorge Alarcon, Ruhollah Farchtchi, Farzad Aref
  • Patent number: 9813519
    Abstract: Systems and methods are disclosed for bidirectional multifunction communication between a computing device and applications located at an external server. The bidirectional communications allows an operation to be performed on a file using a computing device and an external server. In one implementation, an application resides on a desktop computer that is connected to the Internet. The application sends a request to an external server accessible through the Internet using a bidirectional communication system. The server accepts and processes the request and provides data back to the computer via the same bidirectional communication system. A user may then access the data, manipulate it and provide an additional request to the server via the bidirectional communication system.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: November 7, 2017
    Assignee: LITERA CORPORATION
    Inventor: Deepak Massand
  • Patent number: 9807105
    Abstract: Generating a behavior profile is provided. A newness score is calculated for a data point corresponding to a context of an access request to a resource made by a user of a client device. Newness scores for a plurality of data points corresponding to contexts of a plurality of access requests are aggregated to form an aggregated newness score. In response to determining that the aggregated newness score is greater than or equal to a pre-defined newness score threshold, data points stored in a data point cache and a long-term storage are used to generate a new behavior profile for the user or update an existing behavior profile for the user.
    Type: Grant
    Filed: November 11, 2015
    Date of Patent: October 31, 2017
    Assignee: International Business Machines Corporation
    Inventors: Pau-Chen Cheng, Lawrence Koved, Kapil K. Singh
  • Patent number: 9805368
    Abstract: Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant payment system is not required to store data specific to a particular payment device.
    Type: Grant
    Filed: November 12, 2012
    Date of Patent: October 31, 2017
    Assignee: ProPay, Inc.
    Inventors: Gary B. Goodrich, Gregori Pesci, Bryce Weldon Thacker, Wayne William Peck
  • Patent number: 9807046
    Abstract: An automated messaging system for distributing personalized messages of a deceased user to particular recipients on particular dates.
    Type: Grant
    Filed: September 18, 2015
    Date of Patent: October 31, 2017
    Inventor: Peter Mendez
  • Patent number: 9807078
    Abstract: In embodiments of the present invention improved capabilities are described for managing a community facility in a networked secure collaborative computer data exchange environment, including providing an exchange community facility where each of a plurality of users operating a plurality of client computing devices is enabled to establish a corresponding informational profile that is made accessible to other users operating the plurality of client computing devices and is enabled to find and interact with the other users based on the informational profile.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: October 31, 2017
    Assignee: Synchronoss Technologies, Inc.
    Inventors: Matthew A. Porzio, James Andrew Fieweger
  • Patent number: 9798993
    Abstract: A method and computer system executes a home loss prevention simulation to provide a user with information on home loss prevention. The method and system may allow the user to select and place one or more home sensors on items and/or in locations within a simulated home environment. Once the user has finished selecting and placing the home sensors in the simulated home, the method and system may begin the home loss prevention simulation by applying different loss-related simulation scenarios to the simulated home. Based the different loss-related scenarios, the method and system may evaluate the placement of the home sensors in the simulated home to determine one or more losses (e.g., fire, water or burglary) and any associated financial costs. At the end of the simulation, the method and system may provide instructional information regarding the simulation results in order to educate the user on how to improve or optimize home loss prevention.
    Type: Grant
    Filed: February 11, 2014
    Date of Patent: October 24, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Kevin William Payne, Duane Lee Marzinzik
  • Patent number: 9798798
    Abstract: A computer-implemented system and method for selecting documents for review is provided. A master array of messages and topics for the messages is generated. The messages in the master array are sorted by the topics and the sorted messages are processed. During processing, each message in the master array is identified as unique, duplicate, or near duplicate. The unique messages are extracted from the duplicate and near duplicate messages, and entered into a log by creating a log entry for each of the unique messages. Each log entry includes a source of and identification information for one of the unique messages. The unique messages are then provided for document review.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: October 24, 2017
    Assignee: FTI Technology, LLC
    Inventors: Kenji Kawai, David T. McDonald
  • Patent number: 9792020
    Abstract: Systems and methods for aggregating and storing different types of data, and generating interactive user interfaces for analyzing the stored data. In some embodiments, entity data is received for a plurality of entities from one or more data sources, and used to determine attribute values for the entities for one or more given time periods. The plurality of entities may be categorized into one or more entity groups, and aggregate attribute values may be generated based upon the entity groups. A first interactive user interface is generated displaying the one or more entity groups in association with the aggregated attribute values associated with the entity group. In response to a received indication of a user selection of an entity group, a second interactive user interface is generated displaying the one or more entities associated with the selected entity group, each entity displayed in association with the attribute values associated with the entity.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: October 17, 2017
    Assignee: Palantir Technologies Inc.
    Inventors: Sean Kelley, Dylan Scott, Ayush Sood, Kevin Verdieck, Izaak Baker, Eliot Ball, Zachary Bush, Allen Cai, Jerry Chen, Aditya Dahiya, Daniel Deutsch, Calvin Fernandez, Jonathan Hong, Jiaji Hu, Audrey Kuan, Lucas Lemanowicz, Clark Minor, Nicholas Miyake, Michael Nazario, Brian Ngo, Mikhail Proniushkin, Siddharth Rajgarhia, Christopher Rodgers, Kayo Teramoto, David Tobin, Grace Wang, Wilson Wong, Holly Xu, Xiaohan Zhang
  • Patent number: 9794257
    Abstract: A system and method of granting a service authorization to a service provider in a regulating or funding agency of a first organization to access one or more individual's information in a second organization, where a service authorization comprises an authorization to access information and to provide specific services from said regulating or funding agency, the request for service authorization coming from an organization from an individual, patent or guardian of the individual, or regulating or funding organization, for service to be provided to an individual whose private information is stored within the second organization. A system for approving or rejecting the service authorization requests is provided based on authorization of the service provider, as well as a system and method for recording and sharing the outcomes of all decisions with the organization. If a service authorization is approved, it may be integrated into the organization's own workflow.
    Type: Grant
    Filed: July 16, 2014
    Date of Patent: October 17, 2017
    Assignee: Therap Services, LLC
    Inventors: Richard Allen Robbins, Warren Staten Gifford, Mojahedul Hoque Abul Hassanat, Bradley Drew Turock, Justin Mark Brockie, James Michael Kelly, Zaiur Rahman
  • Patent number: 9792600
    Abstract: Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. In response to a request from the sender, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.
    Type: Grant
    Filed: June 2, 2015
    Date of Patent: October 17, 2017
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 9792628
    Abstract: A method and system for presenting promotional content to a user of a communication device involves receiving information from a communication device, where the information relates to the communication device, and identifying a result relating to the information that is capable of being presented in a plurality of formats on the communication device, and dynamically selecting a format for the result from among the plurality of formats, and presenting the result in the selected format for display by the communication device.
    Type: Grant
    Filed: August 14, 2015
    Date of Patent: October 17, 2017
    Assignee: GOOGLE INC.
    Inventors: Elad Gil, Shumeet Baluja, Maryam Garrett, Cedric Beust
  • Patent number: 9792653
    Abstract: A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.
    Type: Grant
    Filed: December 13, 2011
    Date of Patent: October 17, 2017
    Assignee: Opera Solutions U.S.A., LLC
    Inventors: Gregory Gancarz, Jenny Zhang, Kathleen Marie Crowe
  • Patent number: 9787853
    Abstract: The present invention is directed toward networks and more particularly to a method and system for providing information related to reconciliation billing in such networks. In one more embodiments, a computer implemented method provides for identifying discrepancies in billable events of one or more of a customer's network elements which have been compared with operator usage data.
    Type: Grant
    Filed: July 18, 2013
    Date of Patent: October 10, 2017
    Assignee: Aeris Communications, Inc.
    Inventor: Subramanian Balakrishnan
  • Patent number: 9787760
    Abstract: The present invention involves methods, systems, and apparatus for providing a virtual entity and equity system. In one aspect, a method includes receiving an input website, creating a website portal around the input website for the virtual entity, associating the input website with the client, observing input website activity and deriving valuation data, storing the valuation data, and computing valuation of the virtual entity from the valuation data to provide a calculated expected sale value. Other aspects include receiving external valuation data, game-like interaction with the website portal, and display of the calculated expected sale value to the client. In another aspect, a method includes steps to optimally convert a virtual entity to a legal entity; other aspects including providing conversion documents, receiving external valuation data, and providing game-like interaction with the website portal.
    Type: Grant
    Filed: September 24, 2014
    Date of Patent: October 10, 2017
    Inventor: Chad Folkening
  • Patent number: 9785890
    Abstract: Data for a plurality of entities that can be offered a plurality of products can be obtained. The data can include categorical data and numeric data. Based on business constraints, some of all of the data can be selected. The selected data can be converted to another set of numeric data, wherein the categorical values are converted to numeric values. Dimensions of the converted data can be reduced to generate another set of data. Based on this another set of data, clusters of entities can be formed. The products can be grouped by assigning a unique product identifier of each product to a corresponding cluster. This grouping of products can be used by a predictive model to predict a likelihood of an entity to purchase a particular product in a future time period. Related methods, apparatus, systems, techniques and articles are also described.
    Type: Grant
    Filed: August 10, 2012
    Date of Patent: October 10, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Amit Sowani, Eeshan Malhotra, Shafi Ur Rahman
  • Patent number: 9785830
    Abstract: Methods to select and extract tabular data among the optical character recognition returned strings to automatically process documents, including documents containing academic transcripts.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: October 10, 2017
    Assignee: KOFAX INTERNATIONAL SWITZERLAND SARL
    Inventors: Johannes Hausmann, Ralph Meier, Harry Urbschat, Thorsten Wanschura
  • Patent number: 9785932
    Abstract: Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. The payspot may be a virtual payment portal that allows secure payment between the users without either of the users having to provide identifying information to the other user. The payspot may be accessed by the second user based on the proximity of a second user device of the second user to the first user device or the first user may provide an identification code of the payspot to the second user. The second user may access the payspot by communicating with a payment server with the second user device, through the first user device.
    Type: Grant
    Filed: August 25, 2016
    Date of Patent: October 10, 2017
    Assignee: PAYPAL, INC.
    Inventor: Magesh Babu Meignana Sundaram
  • Patent number: 9785943
    Abstract: A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.
    Type: Grant
    Filed: March 25, 2010
    Date of Patent: October 10, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Simon Phillips, Ronald D. Carter
  • Patent number: 9779178
    Abstract: A system for providing a third party centralized data hub. The system includes a server storing a database of sets of third party data, and the system includes a third party risk management module on the server maintaining the third party data. The system includes a first set of client devices communicatively linked with the server over a digital communications network and operable by data providers to provide and modify one of the sets of third party data. The system includes a second set of client devices linked with the server and operable by data consumers to access a subset of the sets of third party data. During operations, the risk management module monitors the third party data, identifies a modification, by one of the data providers, of one of the sets of third party data, and automatically generates and transmits an alert to the second set of client devices.
    Type: Grant
    Filed: October 8, 2015
    Date of Patent: October 3, 2017
    Assignee: IHS MARKIT KY3P, LLC
    Inventor: Gina S. Ghent
  • Patent number: 9779455
    Abstract: A system and method are provided for displaying market related data, such as traded volume at each price level, or any other trader-selected values, using one or more fixed size bars. In one preferred embodiment, a graphical display interface is provided and includes a plurality of fixed size bars that display traded volume at different price levels. In such an embodiment, the length of each bar may correspond to a predefined maximum value, and each bar may be progressively color-coded using a first graphical format to represent traded volume that is lower than the maximum value. If the traded volume exceeds the maximum value, the overflow value may be represented by progressively color-coding the bar using a second graphical format that may be used in relation to the first graphical format color-coding.
    Type: Grant
    Filed: August 15, 2013
    Date of Patent: October 3, 2017
    Assignee: Trading Technologies International, Inc.
    Inventor: Robert A. West
  • Patent number: 9779453
    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: December 16, 2013
    Date of Patent: October 3, 2017
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: James Douglas Gordon, Pamela W. Sims, Aohua Chen, Michael G. Bradley
  • Patent number: 9779364
    Abstract: A machine learning based procurement system comprises a machine learning classifier to classify bids. The procurement system determines a price risk score and a supplier risk score for each of the bids based on the classifications, and determines if any of the bids are associated with a high-risk procurement based on comparing the price risk score and the supplier risk score to the respective threshold. The procurement system includes a graphical user interface that can display bid evaluation links, which are accessible to provide information explaining high-risk procurements.
    Type: Grant
    Filed: June 1, 2017
    Date of Patent: October 3, 2017
    Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: James Hoover, Jeffrey Scott Miller, Lisa Wester, Randall C. Gowat
  • Patent number: 9773232
    Abstract: Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application. In response to a request from the sender, the technology provides a user interface to collect a numerical value corresponding to the specified amount of currency, accesses a list of contacts in a database of the sender's mobile device, and then provides the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.
    Type: Grant
    Filed: February 10, 2015
    Date of Patent: September 26, 2017
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 9773227
    Abstract: A computerized method for detecting fraud includes obtaining frequency information on entities in transaction data for at least one individual account, converting frequency information to a frequency variable, and predicting whether an activity is fraudulent in response to the frequency variable. In some embodiments, the frequency variable is used with at least one other variable to predict fraudulent activity.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: September 26, 2017
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott M. Zoldi, Hua Li, Xinwei Xue
  • Patent number: 9772883
    Abstract: An approach is disclosed for enhancing mobile-device operation by resource sharing and/or pooling. The approach can be implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable storage medium having programming instructions operable to trigger a first device to share content or request functionality of any of a plurality of other devices. The programming instructions can further be operable to discover a candidate device that is capable of receiving the content or a request to provide the functionality. The programming instructions can further be operable to determine that the candidate device can receive the content or provide the functionality based on predetermined criteria. The programming instructions can further be operable to establish a connection with the candidate device. The programming instructions can further be operable to send the content from the first device to the candidate device or receive functionality from the candidate device.
    Type: Grant
    Filed: April 27, 2015
    Date of Patent: September 26, 2017
    Assignee: International Business Machines Corporation
    Inventors: Tamer E. Abuelsaad, Gregory J. Boss, Clifford A. Pickover, Randy A. Rendahl
  • Patent number: 9773275
    Abstract: A profile of one or more users of the online auction environment is developed. The profile of each user can be based at least in part on historical auction activity of that user. An auction of the online auction environment that is in progress is monitored. A prediction is determined as to whether the auction will be successful based at least in part on the profile of the one or more users that are participating in the auction.
    Type: Grant
    Filed: March 15, 2014
    Date of Patent: September 26, 2017
    Assignee: Ten-X, LLC
    Inventors: Todd Gladis, David Stern, Robert Michealis, Sheridan Hitchens, Harshal Dedhia, James Corum
  • Patent number: 9773242
    Abstract: A system and method for calculating crowdfunding terms based on a financial history of a merchant is described. The crowdfunding terms include an approved funding amount and repayment terms including a portion of transactions processed for the merchant by the payment processing system to withhold for repayment of the approved funding amount plus earnings to investors. The a payment processing system may withhold the portion of the transactions processed for the merchant by the payment processing system for repayment of the approved funding amount plus earnings to the investors, apportion the portion of the transactions processed for the merchant by the payment processing system amongst the investors, and transmit, by the payment processor system, the apportioned amount to each investor.
    Type: Grant
    Filed: March 19, 2015
    Date of Patent: September 26, 2017
    Assignee: SQUARE, INC.
    Inventors: Brian Boates, Adam Jeremy Fern, John Bryan Scott, Andrew Kimball, Donald Clark
  • Patent number: 9767132
    Abstract: Disclosed are systems, apparatus, and methods for identifying and visualizing duplicative records via a social network. In various implementations, a first data object may be created and stored in a first database system, where the first data object includes a plurality of data fields capable of storing a plurality of data values. In some implementations, a trigger function may be executed in response to creating the first data object, where the trigger function causes one or more servers in a second database system to determine if one or more existing data objects stored in the second database system include one or more data values that match data values included in the first data object. In various implementations, feed items may be generated in response to determining that a match exists, where the feed items provide one or more users with an indication of the determined match.
    Type: Grant
    Filed: October 9, 2012
    Date of Patent: September 19, 2017
    Assignee: salesforce.com, inc.
    Inventor: Christopher Kemp
  • Patent number: 9766909
    Abstract: In one aspect, there is provided a method. The method may include performing, by a sequencer, one or more validations of a plurality of extensions to a core service of a business system; controlling, by the sequencer, execution of a sequence including the plurality of extensions and the core service to enable an action to be performed at the business system; and performing, by the sequencer, one or more post-processing checks of the plurality of extensions. Related systems, methods, and articles of manufacture are also disclosed.
    Type: Grant
    Filed: December 11, 2012
    Date of Patent: September 19, 2017
    Assignee: SAP SE
    Inventors: Rene Dehn, Daniel Figus, Daniel Niehoff, Uwe Schlarb, Bernhard Thimmel, Daniel Wachs, Georg Wilhelm
  • Patent number: 9767486
    Abstract: A computer method and system for ranking computer network portal users is provided. The system and method comprise a ranking module which determines rank of an individual in a community of global computer network users. The ranking module determines rank of an individual as a function of user demand. The function of user demand includes any one or combination of number of requests to be connected to the individual user, readership following of the individual user and keywords common between profiles or authored works by the individual user and those of other users. An output member is coupled to receive the determined rank from the ranking module and generates an ordered list of user names ordered by determined rank of individuals. The rank of individuals may be provided to external entities such as fraud detection systems or advertising targeting engines.
    Type: Grant
    Filed: May 13, 2016
    Date of Patent: September 19, 2017
    Assignee: Skyword Inc.
    Inventors: John L. Mihalik, Thomas A. Gerace, David A. Sandborg, Helen R. Feder, Richard A. Meyer
  • Patent number: 9760601
    Abstract: Apparatus for and a method of providing access to comparison metrics data relating to the comparison of a test or target group with a reference group, such as a benchmark group. An analytics system is also described.
    Type: Grant
    Filed: September 6, 2012
    Date of Patent: September 12, 2017
    Inventors: Eugene Burke, Tom Gibbs, Alex Rees, Scott Jonathon Perham, Paul Levett, Lotte Andersson
  • Patent number: 9760949
    Abstract: A system mitigates the effects of a market spike caused by the triggering and the election of a conditional order in an automated matching system. The system includes evaluation logic, delay logic, pricing logic and timing logic. The evaluation logic monitors conditional orders submitted to a trading engine and is configured to compare a price of an order to a first predefined price range. The delay logic delays matching of the orders submitted to the trading engine when the price of the orders lie outside of the first predefined price range. The pricing logic derives an opening price to be used by the trading engine. The timing logic measures a time interval used to delay a matching of the orders until the opening price is within a predefined price range up to a maximum delay time set by a control center. A method of mitigating the effect of a market spike caused by the triggering and the election of a conditional order includes monitoring conditional orders submitted to the trading engine.
    Type: Grant
    Filed: August 22, 2014
    Date of Patent: September 12, 2017
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: James Farrell, James Krause, Mazen Chadid
  • Patent number: 9762733
    Abstract: A system for recommending a communication medium for interacting with a customer of a contact center, the system includes: a processor; and memory, wherein the memory has stored therein instructions that, when executed by the processor, cause the processor to: detect a first interaction via a first medium with the customer; identify a plurality of communication mediums based on constraints for determining one or more candidate communication mediums that are different from the first medium for a second interaction with the customer; for each communication medium of the candidate communication mediums, estimate an expected value to be obtained by utilizing the communication medium for the second interaction; and select a particular communication medium of the candidate communication mediums based on the estimates for establishing the second interaction via the selected communication medium.
    Type: Grant
    Filed: September 21, 2016
    Date of Patent: September 12, 2017
    Assignee: GENESYS TELECOMMUNICATIONS LABORATORIES, INC.
    Inventors: Vasudev Ramanujaiaha, Christopher Connolly, Herbert Willi Artur Ristock, Vincent Pirat, Clement Choel, Christian Jacolot
  • Patent number: 9754323
    Abstract: Methods, systems, and computer-readable media for providing a rule based exchange simulator are presented. A plurality of rules may be received at an exchange simulator that define how orders should be processed at the exchange simulator. The received rules may be stored, for instance, at a rules engine. For example, rules may comprise a fill rule, a cancel rule, a reject rule, a no acknowledgment rule, and a market data rule. An order that comprises a stock exchange order may be received at the exchange simulator. For example, an order may comprise a buy or sell order for a particular instrument, such as a stock, and may comprise a particular quantity. Based on the one or more rules stored in the rules engine, the received order may be fully filled, partially filled, or not filled.
    Type: Grant
    Filed: July 16, 2013
    Date of Patent: September 5, 2017
    Assignee: Bank of America Corporation
    Inventors: Rehman Ahmed Khan, Srinivasa Rao Aravala, Suhas Prakash Shahapurkar
  • Patent number: 9754260
    Abstract: Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction codes carry sufficient information to help inform a decision of whether to lock the payment account so as to prevent an initiated transaction from completing. The decision can be fully-automated based on rules and/or intelligent machine analysis. The systems and methods can also seek, in real-time, authorization from an account administrator. The systems and methods can also allow the administrator to create a locking rule for the payment account. The administrator can be identified using the account hierarchy.
    Type: Grant
    Filed: October 28, 2013
    Date of Patent: September 5, 2017
    Assignee: Quisk, Inc.
    Inventor: Jorge M. Fernandes
  • Patent number: 9756008
    Abstract: A user interface (UI) may be provided that allows a user to connect a first identity in a first social community to another identity in another social community by allowing the user to specify the first identity and another identity. Responsive to a user utilizing the UI, the user may be presented with an option to identify connections in the first social community according to a criteria with members associated with another identity in said another social community. A list of identified connections may be presented.
    Type: Grant
    Filed: September 22, 2014
    Date of Patent: September 5, 2017
    Assignee: International Business Machines Corporation
    Inventors: Mustansir Banatwala, David A. Brooks, Maureen G. Leland
  • Patent number: 9747643
    Abstract: A system and method for operating an on-demand auction for a Financial Instrument are provided in which a request is made for a Trading Center to conduct an on-demand auction for a Financial Instrument. If requirements are met, the Trading Center transitions from an Open Trading State (OTS) to a SNAP Auction State (SAS), excludes from the auction any order which explicitly requests exclusion, includes in the auction any remaining Resting Orders, includes in the auction certain new orders which arrive before the auction ends, activates and includes currently dormant orders, takes a snapshot of displayed buying/selling interest and attempts to include in the auction any available buying/selling interest in other Trading Centers which must be satisfied, computes the auction price, sends external Satisfaction Orders, attempts to match all responses to Satisfaction Orders and all internal orders included in the auction, and transitions back from the SAS to the OTS.
    Type: Grant
    Filed: October 15, 2015
    Date of Patent: August 29, 2017
    Assignee: Chicago Stock Exchange. Inc.
    Inventor: Steven I. Givot
  • Patent number: 9747599
    Abstract: A method and a system for processing cross-border transactions in a multiple party payment card processing network is disclosed. A party evaluates an inbound transaction message received from a downstream party to determine if the corresponding payment transaction is a cross-border transaction and if it requires currency conversion processing. Based on the evaluations, a cross-border and currency conversion status indicator that is attached to outbound transaction messages sent to upstream entities in the payment network. Currency conversion service fees and/or rebates may be assessed to other entities in the payment card network according to the results of the evaluations.
    Type: Grant
    Filed: April 2, 2007
    Date of Patent: August 29, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Doug Raymond, Derek Madison, Joyce O'Connell, Michelle Grist, Dale Wilkis
  • Patent number: 9747635
    Abstract: Technologies are described herein for providing a marketplace for the remaining term of reserved instances. A selling customer identifies a reserved instance of a computing resource for which the customer wishes to sell a remainder of their term and specifies an asking price. A reserved instance listing associated with the identified reserved instance and asking price is created. A buying customer provides a specification of reserved instances that they wish to purchase, including a term. The specification may also include size, platform, tenancy, availability zone, and other parameters of the reserved instances. The reserved instance listings are searched to find associated reserved instances matching the specification and having a remaining term equal to or greater than the term in the specification. The reserved instances associated with the reserved instance listings having the lowest asking price may then be transferred from the selling customer to the buying customer.
    Type: Grant
    Filed: December 20, 2011
    Date of Patent: August 29, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: David John Ward, Jr., Kiran K. Meduri, Peng Zhai, Geoffrey S. Pare
  • Patent number: 9740738
    Abstract: A request that includes a syntax tree is received. A query plan that comprising one or more queries using storage metadata and one or more data attributes obtained from the syntax tree is generated. Individual ones of the one or more queries are used to retrieve at least one of the one or more data attributes from the at least two datastores. The generating of the query plan is generated by modifying individual ones of the one or more queries to access a datastore of the at least two datastores having a lower data retrieval latency. The one or more queries of the query plan are executed to generate the report, the report including data resulting from the executing of the one or more queries.
    Type: Grant
    Filed: December 8, 2015
    Date of Patent: August 22, 2017
    Assignee: Amazon Technologies, Inc.
    Inventor: Santosh Kalki
  • Patent number: 9740768
    Abstract: The present disclosure in particular relates to data processing, and more particularly, to systems and methods for identifying and extracting an informative segment from data objects. In one embodiment, a system for facilitating identification of an informative segment from a data is provided. The system includes one or more processors; and a memory storing processor-executable instructions comprising instructions to generate a customized search query based on one or more input parameters, process the data to obtain a plurality of machine-readable data objects, obtain one or more approximate results corresponding to the informative segment based on the customize search query and the plurality of data objects, validate the one or more approximate results based on a comparison of the one or more approximate results and the data, and provide the validated one or more approximate result to identify the informative segment.
    Type: Grant
    Filed: January 14, 2014
    Date of Patent: August 22, 2017
    Assignee: Tata Consultancy Services Limited
    Inventors: Dipti Mohan Fondekar, Mahesh Kshirsagar
  • Patent number: 9741153
    Abstract: Systems, methods and articles of manufacture for sampling visual characteristics of a three-dimensional scene. Embodiments include collecting a plurality of samples within the three-dimensional scene. Upon determining that a combined stratified importance sampling algorithm will result in reduced error for a rendered image of the three-dimensional scene, embodiments collect the plurality of samples using the combined stratified importance sampling algorithm, and otherwise the plurality of samples are collected using a stratified sampling algorithm. The combined stratified importance sampling algorithm integrates an antithetic sampling algorithm. One or more lighting effects for the three-dimensional scene are simulated based on the plurality of samples and data describing one or more light sources for the three-dimensional scene. Embodiments further include rendering the image based on the simulated one or more lighting effects and data describing characteristics of the three-dimensional scene.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: August 22, 2017
    Assignee: Disney Enterprises, Inc.
    Inventors: Kartic Subr, Kenneth Mitchell, Wojciech Jarosz, Derek Nowrouzezahrai
  • Patent number: 9741177
    Abstract: A method and apparatus for collecting transit fares is disclosed. The method implements databases contained within a central database that receive data indicating value. Detectable objects are associated with an identifier, which is then associated with one of the databases. Each identifier stores available fare value data in a database. Detectors that read the identifiers are placed at trip starting and/or endings locations and are coupled or couplable to a local memory that stores the identifiers and associated available fare data. Data sets from the central database comprising an available fare value and its associated identifier are downloaded on to the local memories from the databases. Once a detectable object is detected, its associated identifier is read and a fare is debited from the available fare value. The databases and local memories are periodically updated with updated fare values associated with each identifier.
    Type: Grant
    Filed: October 25, 2013
    Date of Patent: August 22, 2017
    Inventor: Haroldo J. Montealegre