Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
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Patent number: 11151575Abstract: Apparatus and methods are provided for executing a rules-based authentication of an electronic transaction. The method may include receiving first and second payment authorization parameters and second payment authorization parameters. The method may also include receiving from a Point of Sale device a request for payment information and a purchase amount. The method may also include, determining if first or second parameters are satisfied. The first parameters may include a first time range, a pairing of the electronic device to a first apparatus, a first geolocation of the electronic device, and a first maximum transaction value. The second parameters may include a second time range, a pairing of the electronic device to a second apparatus, a second geolocation of the electronic device, and a second maximum transaction value, wherein the second time range does not include the first time range.Type: GrantFiled: July 9, 2019Date of Patent: October 19, 2021Assignee: Bank of America CorporationInventors: Monika Kapur, Kevin A. Delson, Brandon Sloane, Siten Sanghvi, Albena N. Fairchild, John Ryan Bowling
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Patent number: 11151576Abstract: A method for authenticating a transaction includes: receiving, by a transaction processing unit of a computing system, a request for a transaction on a user account; generating, by the transaction processing unit, a personal identification number (PIN) and/or alert message; transmitting the PIN to a mobile device associated with the user account after a person requesting the transaction refuses authentication by a PIN-to-device process; and canceling, by the transaction processing unit, the transaction when a response to the PIN and/or alert message is received from the mobile device within a specified period of time.Type: GrantFiled: April 5, 2019Date of Patent: October 19, 2021Assignee: AT&T Intellectual Property I, L.P.Inventor: Gary Smith
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Patent number: 11151526Abstract: The disclosed embodiments include computerized systems and methods that generate secured blockchain-based ledger structures that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a rules authority of the secured blockchain-based ledger may obtain data indicative of an initiated transfer of funds between parties, and may access and decrypt a set of restrictions imposed on the initiated transfer and a set of rules associated with the restrictions, which may hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may determine that the initiated transfer violates at least one of the restrictions, and may perform operations consistent with at least one of the rules associated with the at least one violated restriction.Type: GrantFiled: November 9, 2015Date of Patent: October 19, 2021Assignee: The Toronto-Dominion BankInventors: Perry Aaron Jones Haldenby, Rajan Mahadevan, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
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Patent number: 11146566Abstract: A privacy management system that is adapted for, in the course of processing a particular data subject access request, automatically determining a type of the data subject access request, such as: (1) a request to delete personal data of the requestor that is being stored by a particular organization; (2) a request to provide, to the requestor, personal data of the requestor that is being stored by the particular organization; (3) a request to update personal data of the requestor that is being stored by the particular organization; and (4) a request to opt out of having the particular organization use the requestor's personal information in one or more particular ways. After making this determination, the system may determine, based on the determined type of data subject access request, a particular workflow to follow in authenticating the data subject before fulfilling the data subject access request.Type: GrantFiled: May 13, 2019Date of Patent: October 12, 2021Assignee: OneTrust, LLCInventors: Kabir A. Barday, Jason L. Sabourin, Jonathan Blake Brannon, Mihir S. Karanjkar, Kevin Jones
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Patent number: 11144989Abstract: Among other things, embodiments of the present disclosure can help predict the optimal allocation for effecting payment transactions from, or deposit transactions to, multiple aggregated financial accounts for a user, even across accounts held in different countries or denominated in different currencies. The system may effect transactions automatically according to the identified optimal allocation, as well as providing users with options to handle transactions. Furthermore, embodiments of the present disclosure can enhance a user's visibility into future balances and transactions using a customized graphical calendar that illustrates a user's predicted future balances and transactions.Type: GrantFiled: April 24, 2020Date of Patent: October 12, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer Dione Bardouille, Sean Christopher Goldrick, Diane Lynn Hoehne, Wiyomi Rustia Quion
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Patent number: 11144848Abstract: One or more techniques and/or systems are provided for parking space routing. For example, parking data for a parking region, such as a parking lot, may be obtained from one or more data sources (e.g., vehicle sensor data, a parking lot camera, parking meter transaction data, etc.). Routes from a current location of a vehicle to available parking spaces within the parking region may be computed. The routes may be ranked based upon various criteria, such as convenience, congestion, travel time, travel distance, a parking space fill order, etc. A route, having a rank above a threshold (e.g., a highest ranked route), may be provided to a driver of the vehicle, such as through a vehicle navigation unit, a mobile device, a wearable device, etc. The route may be provided to autonomous driving functionality of the vehicle for automatic routing and navigation of the vehicle to the parking space.Type: GrantFiled: October 28, 2016Date of Patent: October 12, 2021Assignee: INRIX Inc.Inventors: Samuel Eugene Gold Friedman, Alexander David Israel, Keith Matthew Hackbarth
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Patent number: 11142164Abstract: Aspects of the present disclosure generally pertain to a vehicle inhibitor with an enhanced user interface and a system and method for overriding a vehicle inhibitor. This disclosure may be useful for providing an emergency override function for vehicle loan repayment enforcement systems that have wireless user interface modules, and that have become lost or inoperable when needed to generate an emergency override signal. Further, the present disclosure addresses this problem while mitigating additional system cost and additional components. This disclosure includes a method of providing an emergency override function for vehicle loan repayment enforcement systems that have wireless user interface modules, and that have become lost or inoperable when needed to generate an emergency override signal.Type: GrantFiled: August 7, 2020Date of Patent: October 12, 2021Inventors: Reinhold Mueller, Juan Carlos Vazquez
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Patent number: 11145302Abstract: A system is provided. The system may include a communication interface, at least one processor, and at least one memory. The memory may store instructions that, when executed, cause the processor to provide an ASR module and a plurality of NLU modules, and further cause the processor to receive first voice data including a first user utterance, to process the first voice data using the ASR module to generate first text data, to process the first text data using a first NLU module into a first intent and one or more context information items associated with the first intent, to provide a first response based on the first intent and the one or more context information items, and to provide at least part of the one or more context information items to at least one other NLU module.Type: GrantFiled: January 31, 2019Date of Patent: October 12, 2021Assignee: Samsung Electronics Co., Ltd.Inventors: Dooho Byun, Woonsoo Kim, Taekwang Um, Hyunkyung Kim, Joohee Park, Jaeyung Yeo
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Patent number: 11138660Abstract: A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two products have an 80% correlation they each would be assigned an offset of 80% with respect to each other. However, it is desirable to allow for asymmetrical offsets. In the disclosed system and method, when two products have a correlation of 80%, one may be assigned an offset of 75% and the other may be assigned an offset of 80%. There are many reasons to vary the offset between the products. The varying offset may reflect an asymmetry in the risk in one of the products, such as being traded in an illiquid market or in a less desirable venue. The varying offset may correct for an imbalance in spread credits due to special charges from intra spreading.Type: GrantFiled: June 14, 2018Date of Patent: October 5, 2021Assignee: Chicago Mercantile Exchange Inc.Inventors: Dmitriy Glinberg, Tae S. Yoo, Dale Michaels, Edward M. Gogol
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Patent number: 11138621Abstract: A multi-lender architecture evaluates applicant data against lending rule sets of multiple lenders. Rule sets provided by different lenders may be expressed differently. The multi-lender architecture transforms the rules in each rule set and represents the rules in a normalization grid. The normalization grid allows a single algorithm to evaluate the rules of different lenders.Type: GrantFiled: May 22, 2020Date of Patent: October 5, 2021Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Hala Salim Eli-Ali, Katelyn Ge, Alan Ilango
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Patent number: 11138605Abstract: Embodiments of the invention are directed to access transactions. A gate access device may interact with a payment card such as a credit card. The gate access device may generate and transmit a first authorization request message to a payment processing network computer. The first authorization request message does not include an amount for the transaction, but only contains identification information. A first authorization response message is transmitted back to the gate access device. At a later point in time, a second authorization request message containing the transaction amount is transmitted from the gate access device to the issuer, and a response is received from the issuer.Type: GrantFiled: June 25, 2014Date of Patent: October 5, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christian Aabye, Eric Schindewolf
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Patent number: 11140197Abstract: Provided are a DDoS attack detection method and apparatus. The method comprises: acquiring network traffic of a target moment within a first period by sampling, then querying a traffic period change curve acquired in advance, determining predicted traffic corresponding to the target moment, and confirming a DDoS attack if the network traffic acquired by sampling is larger than the determined predicted traffic. The traffic period change curve is used for indicating a period change law of the predicted traffic, so that before DDoS attack detection is performed at each target moment, it only needs to determine the predicted traffic corresponding to the target moment according to the traffic period change curve without calculating the predicted traffic according to massive historical traffic data before each DDoS attack detection; and the calculation volume is reduced.Type: GrantFiled: February 22, 2017Date of Patent: October 5, 2021Assignee: NSFOCUS INFORMATION TECHNOLOGY CO., LTD.Inventors: Hanbing Chen, Bin Zheng, Kun He
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Patent number: 11132425Abstract: Systems, methods, and apparatuses for authenticating a user based at least in part on a location of the user or a location of a user device are described. The user may be authenticated as part of a financial transaction or as part of a login process for a computing device. The user device was previously bound or associated with the user. During the authentication, a system (e.g., a financial institution computing system or a backend authentication system) requests location information from the user device. The location information may be packaged as a digital fingerprint of the user device, which can only be created from the user device. Based on the location information, the user can be authenticated thereby approving the transaction or login request.Type: GrantFiled: July 7, 2016Date of Patent: September 28, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Gerard K. Cohen, Michelle D. Green, Christopher P. Smith, Craig Stuart, Kenneth L. Wright, Michelle M. Young
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Patent number: 11132676Abstract: Implementations of this specification include identify a plurality of transactions to be executed in the blockchain, wherein the transactions are arranged in an execution order, and wherein the execution order includes a contract call arranged after the plurality of transactions; identify groups of transactions within the plurality of transactions, wherein each transaction in each group is associated with a same account in the blockchain network as the other transactions in the group; instruct nodes of the blockchain network to execute each of the groups of transactions in parallel, wherein executing each group of transactions includes executing the transactions within the group serially and according to the execution order; determine that the nodes of the blockchain network have completed executing all of the groups of transactions; and in response, instruct the nodes of the blockchain network to execute the contract call.Type: GrantFiled: May 24, 2019Date of Patent: September 28, 2021Assignee: Advanced New Technologies Co., Ltd.Inventors: Ning Xia, Guilu Xie, Fuxi Deng
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Patent number: 11132238Abstract: Elastic packaging of application configuration may include selecting at least one configurable attribute from an application model hierarchy, generating at least one formula for the selected at least one configurable attribute, the at least one formula including interface parameters, and tag the generated at least one formula with the selected at least one configurable attribute in an application deployment package, the application deployment package including an application to be deployed on a cloud computer.Type: GrantFiled: September 28, 2012Date of Patent: September 28, 2021Assignee: BMC Software, Inc.Inventors: Tal Beno, Jonathan Newcomb Swirsky Whitney
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Patent number: 11126982Abstract: A system and method provide for enhanced in-lobby-teller (ILT) machines. A banking system includes a local switch, a bank core, a teller terminal, and an ILT machine. The teller terminal allows a bank teller to approve customer requests entered at an ILT. The ILT receives requests and determines if teller approval is needed for the request. If so, the request is forwarded to a teller/teller terminal. When approved, an indication is set in the banking request and the now approved request is sent back to the ILT machine. The ILT machine detects the approval indication and transmits the request to the external-partner switch. This switch returns the transaction request to the local bank switch for forwarding to the bank core. The core may update account information associated with the banking request and then route it back to the ILT where any remaining tasks of the transaction request are completed.Type: GrantFiled: March 1, 2018Date of Patent: September 21, 2021Assignee: Diebold Nixdorf, IncorporatedInventors: Tom Cappelli, Roy Heilig
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Patent number: 11120499Abstract: Systems and methods for improved intra-day valuations of a first portfolio are disclosed herein. Operations include receiving a listing of first identities for a first set of securities of a first portfolio, generating, a second portfolio configured to track the first portfolio, where the second portfolio has second identities that are identical to the first identities and a second set of weightings, calculating an intra-day value for the first portfolio by applying price feed information to the second portfolio in accordance with the second set of weightings, and publicizing the calculated intra-day value for the first portfolio without disclosing a first set of weightings corresponding to the first portfolio.Type: GrantFiled: July 20, 2018Date of Patent: September 14, 2021Assignee: NYSE American LLCInventors: Clifford J. Weber, Carol Alexander, Jason Macqueen, Charles A. Baker, Gary L. Gastineau, Terry Norman
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Patent number: 11119626Abstract: A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.Type: GrantFiled: October 2, 2018Date of Patent: September 14, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Anshuman M. Duneja, Uma Meyyappan, Stanislav Roumiantsev, Bipin M. Sahni, Jennifer Toby Whateley, Janelle Wolak
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Patent number: 11120431Abstract: A method, system and computer program product for identifying anomalous behavior (e.g., suspicious transactions). Information from at least one social media source (e.g., a posting) and from at least one non-social media source (e.g., a booking) are monitored. A transaction (e.g., credit card transaction) involving a user is identified. The monitored information is then analyzed to identify one or more characteristics (e.g., location of the user) of the user. A rating of invalidity of the transaction is generated based on the one or more characteristics, where the rating of invalidity refers to the likelihood that the transaction is likely to be anomaly, such as a suspicious transaction. If the rating exceeds a threshold, then an anomaly may be said to have occurred. By identifying anomalous behavior using both social media and non-social media sources, anomalous activities that truly occurred will be more accurately detected.Type: GrantFiled: September 18, 2018Date of Patent: September 14, 2021Assignee: Airbnb, Inc.Inventors: David L. Kaminsky, Girish Sundaram
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Patent number: 11120423Abstract: Techniques for managing communications sessions between multiple user devices is provided. The computer system may support a capability of automatically establishing communications sessions between the user devices. For example, the computer system may receive audio data from a voice controlled device (VCD). The audio data may indicate an utterance of a user confirming that information of a payment instrument is needed for transaction. The computer system may initiate a second communications session with a second device of the user to receive the information required for the transaction. In some examples, the computer system may execute the script to synthesize text-to-speech content that requests user input for the information from the second device. Once received, the information may be stored in a user account associated with the user. The VCD may be instructed to resume communications with the user upon termination of the second communications session with the second device.Type: GrantFiled: March 18, 2019Date of Patent: September 14, 2021Assignee: Amazon Technologies, Inc.Inventors: Aravindhan Vijayaraghavan, Jacob Daniel Robert Harding, Varun Sharma
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Patent number: 11120473Abstract: A computer-implemented method includes generating, using an embedded client application, a keyword context for a container document holding the embedded client application; generating, using the embedded client application, a geographic context associated with a device on which the container document is displayed; submitting the keyword context and the geographic context to a remote server; and displaying an interactive application using information obtained in response to the submission of the keyword context and geographic criteria.Type: GrantFiled: July 5, 2017Date of Patent: September 14, 2021Assignee: Google LLCInventors: Adam Sah, Michael Thompson
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Patent number: 11119829Abstract: Systems and techniques are provided for managing and creating customized testing and development environments by a custom environment manager for computer or data management systems. In a specific implementation, the custom environment manager includes request receivers that receive orders associated with a prioritization from custom environment requesters and store the received orders in a request queue that holds multiple orders having different prioritizations and made by different requestors. The custom environment manager also includes pooled resource managers that track available virtual and physical computing resources needed to build custom environments. The custom environment manager also includes configurators that create custom environments based upon prioritization of the orders and available resources and return the custom environment to the requestor of the order.Type: GrantFiled: February 18, 2020Date of Patent: September 14, 2021Assignee: Rubrik, Inc.Inventors: Stefan Dao, Kenny To, Pete Yeh
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Patent number: 11113665Abstract: A graphical user interface (GUI) and operator console management system for a distributed terminal network is described. In some embodiments, the terminals may be hardware terminals, kiosks, or clients. In some embodiments, a security analysis may be performed, and security scores may be determined, for visitors requesting operations at terminals based on an operator configuration. Security scores may be determined by a provider, in communication with the operator terminals, based on aggregation of a plurality of factors, wherein each factor may be weighted. The factors may incorporate operator settings or preferences. In one embodiment, the factors include one or more facial recognition factors. The one or more facial recognition factors may be used for biometric authentication. The provider may use the security scores to determine user privileges or permissions for the operations. The provider may deliver instructions or messages to the terminals based on the determinations.Type: GrantFiled: October 20, 2020Date of Patent: September 7, 2021Inventor: Evan Chase Rose
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Patent number: 11113854Abstract: In accordance with various embodiments, a method is performed at an electronic device including a display device and one or more input devices. The method includes displaying, on the display device, a first graphing area including a first section presenting a plot of a first set of data points for a first variable and a second section. The method includes detecting, via the one or more input devices, a user input indicative of a path within a second section. The method includes determining, based on the user input indicative of a path within the second section, a second set of data points for the first variable. The method includes determining, based at least on the second set of data points for the first variable, a set of data points for a second variable. The method includes displaying, on the display device, a second graphing area presenting a plot of the set of data points for the second variable.Type: GrantFiled: March 12, 2019Date of Patent: September 7, 2021Assignee: DECISIONNEXT, INC.Inventors: Robert David Pierce, David Rodriguez Gomez, Arden Martin Arnold, Michael R. Neal
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Patent number: 11113764Abstract: A system and method for administering an insurance policy in general accounts and in separate accounts including a modified stable value protected investment including an improved surrender payment protocol. The system and method includes tracking the value of investments and an MSVP value in a life insurance contract after a termination of life insurance coverage has occurred. When the system determines that the value of the MSVP equals a predetermined value (e.g., zero) or that a maturity date for the policy or stable value protected investment has occurred, the system causes an amount equal to the value of the MSVP division to be paid to the contractholder. Upon such payment, the MSVP product provider shall have no further liability under the MSVP. The contractholder may have an option to elect at any time to receive a payment amount equal to the value of the underlying assets of the stable value protected investment. In such event, the MSVP product provider shall have no further liability under the MSVP.Type: GrantFiled: April 12, 2013Date of Patent: September 7, 2021Assignee: Addle Management, LLCInventors: Seth C. Koppes, William A. Meier
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Patent number: 11113704Abstract: A server computing device generates an input data set by determining a set of user information, a set of market index information, and available annuity products. A machine learning processor executes a price optimization module to traverse a computer-generated annuity matching model and select a subset of the available annuity products that are associated with product characteristics that match user objectives and generate annuity product recommendations for the user. The processor executes a market simulation module to traverse a computer-generated annuity performance prediction model using the annuity product recommendations and predictions of market performance to generate simulated outcomes for each of the annuity products. A client device generates a graphical user interface for display to the user via a display device, the graphical user interface including visual representations of each of: the annuity product recommendations and the simulated outcomes.Type: GrantFiled: December 7, 2016Date of Patent: September 7, 2021Inventor: Daniel J. Towriss
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Patent number: 11115392Abstract: Apparatus and associated methods relate to a 3rd Party Asset Verification module (3PAV module) embodied in a computer system configured to: (1) transmit a unique access code to at least one entity, the unique access code (1a) associated with a user and the user's asset information, and (1b) permits access to the user's asset information stored in the controlled access data store, and (2) in response to a request for data from a broadcasted receiver of the unique access code, the request including the unique access code, returning the user's asset information stored in the controlled access data store. In an illustrative example, the unique code may be generated upon the user providing authorization, over a network, for other parties to access the user's asset information. Various implementations may provide for secure and controlled access to the user's trusted asset data, which may increase efficiency in a consumer-dealer-lender transaction.Type: GrantFiled: March 6, 2019Date of Patent: September 7, 2021Assignee: Turbo Business Suite LLCInventors: Michael Jarman, Kenneth Jarman
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Patent number: 11107161Abstract: A system and method for exchanging insurance information and initiating an insurance loss report and/or claim using a mobile communications device, such as a smartphone. The information of a first party is stored on an electronic insurance card (e.g., virtual insurance card) on the mobile device, and transmitted to a second party's mobile device. The information of the second party is captured on the first party's mobile device, either by being similarly transmitted or photographed. The report and/or claim may be initiated by transmitting the parties' information to an insurance provider. A procedure for initiating the insurance report and/or claim with a second insurance provider may be determined based upon the information of the second party, and may include transmitting the parties' information to the second insurance provider or to its agent. Electronic images taken with the mobile device and/or a geographic location determined by the mobile device may be transmitted as well.Type: GrantFiled: August 15, 2016Date of Patent: August 31, 2021Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: Ivan D Hall
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Patent number: 11107080Abstract: There is provided systems and methods for passwordless authentication through use of device tokens or web browser cookies. A user may enter into a checkout process with a merchant for a transaction requiring electronic transaction processing with a service provider. The checkout process may be performed prior to or without the user having previously established an account with the service provider for electronic transaction processing. The user may therefore provide user information, such as a name and financial information, and an account for the user may be established. To establish the account, the user is not required to enter a password, and the password is automatically set by the service provider. The service provider may then establish a token on the user's device during transaction processing that later authenticates the device for use of the account during future transaction processing when the token is received.Type: GrantFiled: June 9, 2017Date of Patent: August 31, 2021Assignee: PAYPAL, INC.Inventors: Omer Malik, Jeff Harrell, Desmond Chan, Stephen Westhafer, John Malhinha, Melanie Kriese
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Patent number: 11109293Abstract: A first access node of a first wireless access network receives, via a first entry node of the first network, a service-request message from a terminal registered with the first network. The first access node requests first network-capacity information associated with the first wireless access network from the first entry node, and second network-capacity information associated with a second wireless access network from a second access node of the second network. The first access node selects a target access network based on the service-request message and the first and second network-capacity information. The first access node, in response to a selection of the first wireless access network, sends a service-reply message to the first entry node. The first access node, in response to a selection of the second wireless access network, triggers a handover of the terminal to the second wireless access network.Type: GrantFiled: August 6, 2018Date of Patent: August 31, 2021Assignee: T-Mobile USA, Inc.Inventors: Egil Gronstad, Karunakalage Viraj Rakitha Silva, Brian Allan Olsen, Kun Lu, Ming Shan Kwok, Salvador Mendoza, John Humbert, Jun Liu, Alan Denis MacDonald, Christopher H. Joul, Neng-Tsann Ueng
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Patent number: 11100577Abstract: A computerised method of trading a fungible instrument, the method comprising: receiving orders from traders for a fungible instrument. The orders each comprise an amount of the fungible instrument to buy or sell, but no price. The orders are matched. The price of matched orders is then fixed at a price based on an outside source at a predetermined time.Type: GrantFiled: August 18, 2011Date of Patent: August 24, 2021Assignee: NEX Services North America LLCInventors: James A. O'Hagan, Brian Andreyko
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Patent number: 11100574Abstract: A system and computer-implemented method for continuously updating information about one or more of a customer approved for a mortgage and a real estate property identified as mortgage ready using computer technology and/or machine learning algorithms or artificial intelligence. The method includes monitoring information corresponding to one or more of the customer or the real estate property; identifying new information about one or more of the customer or the real estate property; updating a computer file and/or memory location/address to include the new information about one or more of the customer or the real estate property; and recalculating one or more of the amount in which the customer is approved for the mortgage or the appraisal value of the real estate property based upon one or more of new information received and the updated information from the computer file and/or memory location/address.Type: GrantFiled: May 9, 2018Date of Patent: August 24, 2021Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Benjamin Tarmann, Richard R. Rhodes, Lokesh Awasthy, Denise DeRoeck, Jaime Skaggs, Jacob J. Alt, Shanna L. Phillips, Shyam Tummala, Matthew S. Meierotto, Richard D. Groonwald, Brian J. Hughes
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Patent number: 11100474Abstract: The present specification relates to a mobile payment method, device, and system. One example method includes enabling, by the payee device, a device authorization function using a third-party server; receiving, by the payee device, identity authentication information from a payor device, wherein the identity authentication information includes an identifier of the payor device, and wherein the payor device does not have a payment application (APP) installed; forwarding, by the payee device, the received identity authentication information to the third-party server; receiving, by the payee device, token information from the third-party server, wherein the token information corresponds to the identifier; receiving, by the payee device, a payment request from the payor device, wherein the payment request includes the identifier of the payor device and the generated token; and sending, by the payee device, payment information including the generated token and the to the third-party server for verification.Type: GrantFiled: December 23, 2019Date of Patent: August 24, 2021Assignee: Advanced New Technologies Co., Ltd.Inventor: Yuanbo Sun
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Patent number: 11100586Abstract: Systems, apparatuses, methods, and computer program products are disclosed for pricing a callable instrument. A plurality of corresponding pairs of Brownian motion paths and index value paths are determined corresponding to a set of dates. A deep neural network (DNN) of a backward DNN solver is trained until a convergence requirement is satisfied by for each pair of corresponding Brownian motion path and index value path, using the backward DNN solver to determine by iterating in reverse time order from a final discounted option payoff to an initial value. A statistical measure of spread of a set of initial values is determined and parameters of the DNN are modified based on the statistical measures of spread. Pricing information is determined by the backward DNN solver and provided such that a representation thereof is provided via an interactive user interface of a user computing device.Type: GrantFiled: July 9, 2019Date of Patent: August 24, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Haojie Wang, Han Chen, Agus Sudjianto, Richard Liu, Qi Shen
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Patent number: 11100504Abstract: System and method for facilitating account access delegation are provided. Login credentials are authenticated for a first account of a first funding source of a first user. A request from the first user to delegate, to a second account of a second user, access to the first funding source is received. A redirected login request from a merchant web application is further received. The redirected login request corresponds to the second account. A determination is made, based on the received request, that the second account is permissioned to use the first funding source. In response to the determination, a login of the first user account is caused on the merchant web application. The logging in of the first user account on the merchant web application causes the first funding source to be applied to an electronic transaction performed on the merchant web application under control of the second user.Type: GrantFiled: December 31, 2018Date of Patent: August 24, 2021Assignee: PAYPAL, INC.Inventors: Yona Ju, Fun-Chen Jou
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Patent number: 11100476Abstract: Systems and methods for providing blockchain based paper checks (BC Checks) that may be redeemed without traditional coordination between financial institutions of participants.Type: GrantFiled: September 17, 2020Date of Patent: August 24, 2021Assignee: TraDove, Inc.Inventor: Jun Yan
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Patent number: 11100573Abstract: A method for obtaining a comparison criterion selected by a first user. The method further includes comparing the comparison criterion of the first user to a second user to determine a similarity metric between the first user and the second user. The method further includes adjusting the learning algorithm to create a correlation between the comparison criterion of the first user and a second user to generate an adjusted learning algorithm. The method further includes selecting, a custom tip based on the correlation, a credit score of the first user, and a credit score of the second user. The method further includes the custom tip and a comparison of the credit score of the first user with the credit score of the second user based on the similarity metric.Type: GrantFiled: February 28, 2018Date of Patent: August 24, 2021Assignee: Intuit Inc.Inventors: Yantian Chu, James Rodney Jennings, Christian Anthony Rodriguez Mercado, Stefanos L. Missailidis
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Patent number: 11100575Abstract: A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers, and where each historical POS datum comprises an indicator denoting a season of the year in which the datum was generated. The revenue forecaster employs the historical POS data to predict future POS data for establishments corresponding to the each of the subscribers and employs the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period.Type: GrantFiled: May 8, 2019Date of Patent: August 24, 2021Assignee: Toast, Inc.Inventors: Alan Z. Zhao, Kevin A. Vo, Jared J. Rand
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Patent number: 11100473Abstract: The present specification relates to a mobile payment method, device, and system. One example method includes enabling, by the payee device, a device authorization function using a third-party server; receiving, by the payee device, identity authentication information from a payor device, wherein the identity authentication information includes an identifier of the payor device, and wherein the payor device does not have a payment application (APP) installed; forwarding, by the payee device, the received identity authentication information to the third-party server; receiving, by the payee device, token information from the third-party server, wherein the token information corresponds to the identifier; receiving, by the payee device, a payment request from the payor device, wherein the payment request includes the identifier of the payor device and the generated token; and sending, by the payee device, payment information including the generated token and the to the third-party server for verification.Type: GrantFiled: November 30, 2018Date of Patent: August 24, 2021Assignee: Advanced New Technologies Co., Ltd.Inventor: Yuanbo Sun
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Patent number: 11093573Abstract: A method and system for analyzing sites is described. A scanner module scans listings of an online publication. A quality engine analyzes the quality of the listings. A data collection module collects defective conditions of the listings determined by the quality engine. A report module reports the defective conditions of the listings. An auto correction module automatically corrects at least a first portion of the defective conditions of the listings. A manual correction module enables an operator of the online publication to correct at least a second portion of the defective conditions of the listings.Type: GrantFiled: August 6, 2019Date of Patent: August 17, 2021Assignee: eBay Inc.Inventors: Viraj Byakod, Thomas Normile, Vinoth Amaranathan
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Patent number: 11093919Abstract: The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs.Type: GrantFiled: November 13, 2018Date of Patent: August 17, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Edward Katzin, Phillip L. Kumnick, Theodore David Harris, Patrick Faith, Jennifer A. Schulz
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Patent number: 11093913Abstract: Systems and methods are provided for use in distributing one or more services to edge devices in a payment network. One exemplary method includes receiving, at an edge device, an authorization request related to a payment account from a customer, identifying at least one service associated with the request and/or the payment account, and performing said at least one service, at the edge device. The exemplary method further includes transmitting the authorization request to an issuer associated with the payment account, and transmitting an authorization reply, generated by the issuer, to the customer, whereby the at least one service is distributed to the edge device.Type: GrantFiled: December 9, 2019Date of Patent: August 17, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Dana J. Lorberg, Piruthiviraj Sivaraj
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Patent number: 11093884Abstract: Methods and systems for controlling inventory in a supply chain are described. The system receives supply chain data including input signals comprising operational plans and observed supply chain operational metrics. The system automatically generates predicted supply chain operational metrics including a value at risk that is predicted for a product. The system automatically infers causal factors including a shipment of the product. The causal factors impact the predicted supply chain operational metrics. The system communicates a user interface for shipments of the product and the system receives input causing a change to a shipment of the product impacting the predicted supply chain operational metrics including the value at risk for the first product.Type: GrantFiled: December 31, 2019Date of Patent: August 17, 2021Assignee: Noodle Analytics, Inc.Inventors: Sivantha Devarakonda, Mahriah Elizabeth Alf, Gaurav Palta
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Patent number: 11094004Abstract: An apparatus for processing trading orders comprises a memory and a processor. The memory stores a first order and a second order. The first order is associated with a product and comprises a displayed quantity and a reserved quantity. The second order is associated with the product and comprises a displayed quantity and a reserved quantity. The processor is coupled to the memory and receives a counterorder associated with the product. The processor fills the displayed quantity of the first order with a corresponding portion of the counterorder, and fills the displayed quantity of the second order with a corresponding portion of the counterorder. The processor allocates a first additional portion of the counterorder to the first order. The first additional portion is based at least in part on a ratio of the displayed quantity of the first order to a sum of the displayed quantity of the first order and the displayed quantity of the second order.Type: GrantFiled: July 19, 2019Date of Patent: August 17, 2021Assignee: ESPEED, INC.Inventors: Matthew W. Claus, Kevin M. Foley, Joseph C. Noviello, Howard W. Lutnick
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Patent number: 11094016Abstract: Disclosed in some examples are systems, machine readable mediums, and methods for providing a Full Balance Sheet Advisor (FBSA). The FBSA may be a network based service accessible to users using one or more computing devices. The FBSA may be accessed using a web-browser, or a dedicated FBSA application. The FBSA looks at the user's full balance sheet to provide advice on how the user can meet their financial goals.Type: GrantFiled: May 4, 2016Date of Patent: August 17, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Scott Welz, Elizabeth Ingram, Gwendoria M. Salley, Rodney J. Sayegh, Patrick Rodman
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Patent number: 11094015Abstract: This invention provides a distributed data analysis system for use in analysing Limit Order Book (LOB) data. The system include a virtual machine interface module for creating at least one virtual machine. Each virtual machine is configured to create at least one compute unit for processing the LOB data. Each compute unit and the LOB data is collocated. The system includes an update module for updating the LOB data from at least one electronic trading venue. A monitoring module for tracking the activity of at least one user on the system is also provided. A software library module having at least one algorithm for processing and/or analysing the LOB data, is also provided. The system is implemented in a cloud computing environment.Type: GrantFiled: May 11, 2015Date of Patent: August 17, 2021Assignee: BMLL TECHNOLOGIES, LTD.Inventor: Hugh L. Christensen
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Patent number: 11087397Abstract: Controlling communications between arrangements of computing systems improves letter of credit (“LC”) administration, speed, flexibility, and reach. The computing systems can be operated by an Applicant, Issuer, Custody Bank, and Beneficiary. LC improvements are achieved by the Applicant computing system making a LC request to the Issuer computing system, which obtains a hold on non-cash collateral and provides the hold to the Custody Bank computing system, designating the Custody Bank as both nominated person and paying agent. The Custody Bank computing system obtains a hold on the collateral, using it to immediately act on Beneficiary payment requests in kind of the collateral. Under these arrangements, the LC is capable of immediate payment and automated amendments to Stated Amounts to rebalance capacity amongst Beneficiaries of the Applicant, the LC Stated Amount and collateral values are always equal, and the LC is less susceptible to payment interference, automatic stays, and double payment.Type: GrantFiled: April 6, 2020Date of Patent: August 10, 2021Assignee: GCSA Capital LLCInventor: Christopher Cononico
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Patent number: 11087288Abstract: A vacant time slot managing device (1) includes a control section (3), a schedule acquiring section (5), a vacant time slot computing section (7), and storage (17). The control section (3) causes the storage (17) to store vacant time slot data representing a vacant time slot of a user. The schedule acquiring section (5) acquires time data from scheduled event list data that includes the time data. The schedule time represents a start time and an end time of a scheduled event of the user. The vacant time slot computing section (7) computes the vacant time slot based on the schedule time data.Type: GrantFiled: May 20, 2016Date of Patent: August 10, 2021Assignee: BLUE MARLIN PARTNERS, INC.Inventor: Yohei Yamaguchi
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Patent number: 11087219Abstract: A semantic document generation system is described. The semantic document is composed of document details, people and meta-data. The semantic document is self-aware of the information it contains. The semantic document's structure and terms are governed by legal, logical and party related rules. A semantic contract can be created from a semantic document generation system. The semantic document generation system receives an indication of a type of a document to be generated and plurality of terms for the document from a plurality of sources. The terms are converted into triples. A plurality of rules governing the terms of the document is applied to the triples to generate a knowledge graph and determine whether terms from the different parties are compatible. The terms are determined to be compatible in a case where the plurality of rules governing terms of the document is satisfied.Type: GrantFiled: March 25, 2021Date of Patent: August 10, 2021Assignee: LEGISLATE TECHNOLOGIES LIMITEDInventor: Charles Brecque
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Patent number: 11088827Abstract: Concepts and technologies disclosed herein are directed to location-based blockchain. A localized corroborator system can receive, from a user device, an initiation message including a public key, and in response, can generate and send the random session identifier to the user device. The system can receive, from the user device, a signed session identifier including the random session identifier signed by the user device using a private key. The system can check a time that elapsed between sending the random session identifier to the user device and receiving the signed session identifier from the user device. The system can verify authenticity of the signed session identifier using the public key. In response to the time being less than a pre-defined threshold, the system can issue a location certificate to the user device. The user device can utilize the location certificate to conduct a certified blockchain transaction in a blockchain.Type: GrantFiled: July 9, 2018Date of Patent: August 10, 2021Assignee: AT&T Intellectual Property I, L.P.Inventors: Yaron Kanza, Divesh Srivastava, Tamraparni Dasu