Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
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Patent number: 11087411Abstract: A modular, computerized tax return preparation application engine including modular tax logic engine and interface controller components loosely coupled to each other and a modular completion monitor. Modular tax logic engine receives runtime data of the tax return and generates a first non-binding suggestion involving a tax topic that is incomplete based on first runtime data and a decision table. Modular interface controller generates a first interface including a first interview screen including content based on the first non-binding suggestion. For iterations or changes of runtime data, completion monitor determines when a previously complete tax topic is now incomplete and notifies modular interface controller regarding the completion status modification. In response modular interface controller generates a second interface comprising an encoded link to an interview screen or screens to address previously complete but currently incomplete tax topics.Type: GrantFiled: July 27, 2016Date of Patent: August 10, 2021Assignee: INTUIT INC.Inventors: Gang Wang, Sasha Mikhael Perez, Kevin M. McCluskey, Alex G. Balazs, Ronald Jason Char
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Patent number: 11087329Abstract: A method and an apparatus for identifying a transaction risk are disclosed. The method includes obtaining risk identification information of a sub-network to which a node relating to a transaction to be identified belongs; and identifying a risk of the transaction to be identified based on the risk identification information of the sub-network to which the node relating to the transaction to be identified belongs, wherein the sub-network is a network acquired by partitioning a relationship network based on connectivity, the relationship network is a network built up with entities and activities relating to a plurality of transactions.Type: GrantFiled: August 29, 2019Date of Patent: August 10, 2021Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Fengwei Wang, Huimei He, Renxin Mao, Dijun He
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Patent number: 11087313Abstract: Systems, methods, and program products for providing exchanges for converting from, to, or between digital assets, and in particular digital math-based assets, such as bitcoins, Namecoins, Litecoins, PPCoins, Tonal bitcoins, IxCoins, Devcoins, Freicoins, I0coins, Terracoins, Liquidcoins, BBQcoins, BitBars, PhenixCoins, Ripple, Dogecoins, Mastercoins, BlackCoins, Ether, Nxt, BitShares-PTS, Quark, Primecoin, Feathercoin, and Peercoin, to name a few, are disclosed. In embodiments, such systems, methods, and program products can further provide or be used in conjunction with automated transactions, digital asset arbitrage systems, and/or kiosk systems for transacting or interacting with digital math-based assets. A kiosk for transacting with digital assets and digital asset exchanges is also disclosed. Systems, methods, and program products for automated transactions and automated digital asset arbitrage transactions are also disclosed.Type: GrantFiled: February 11, 2019Date of Patent: August 10, 2021Assignee: Winklevoss IP, LLCInventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Michael Robert Breu, Eric Neiman Winer, Claudia Callaway, Christina J. Grigorian
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Patent number: 11080773Abstract: Systems and methods of assisting in an electronic shopping experience are disclosed. A request may be received, from a user on a device having a user interface, to search for an item listed for sale in a marketplace. A balance amount of an account associated with or available to the user at the marketplace is displayed in the user interface. The search results are limited to at least one item having a sales price less than the displayed balance amount and the at least one item is displayed in the user interface. The account may be a user account at a payment service provider.Type: GrantFiled: May 15, 2018Date of Patent: August 3, 2021Assignee: PayPal, Inc.Inventors: Sandra Lynn Godsey, Steven Romero
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Patent number: 11080790Abstract: An insurance policy management computing system (201) stores a legally-binding insurance policy as a read-only document including the complete policy history. To facilitate revisions to the policy, the computing system (201) provides an opportunity (202) to revise an insurance policy and recalls (203) the currently legally-binding insurance policy. Since the legally-binding insurance policy is a read-only document, the computing system (201) uses the legally-binding policy to generate an editable version that is a complete copy of the legally-binding policy. Once the editable version of the insurance policy has been generated, the input revisions can be incorporated into the policy and then, the revised version of the insurance policy is saved as a read-only, now-current version of the insurance policy. The new legally-binding insurance policy has a new creation and effective dates of the various policy elements.Type: GrantFiled: September 24, 2009Date of Patent: August 3, 2021Assignee: Guidewire Software, Inc.Inventor: Alan Harrison Keefer
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Patent number: 11080793Abstract: A method of preventing healthcare fraud-waste-abuse uses artificial intelligence machines to limit financial losses. Healthcare payment request claims are analyzed by predictive models and their behavioral details are compared to running profiles unique to each healthcare provider submitting the claims. A decision results that the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive. If it is, a second analysis of a group behavioral in which the healthcare provider is clustered using unsupervised learning algorithms and compared to a running profile unique to each group of healthcare providers submitting the claims. An overriding decision results if the instant healthcare payment request claim is or is not fraudulent-wasteful-abusive according to group behavior.Type: GrantFiled: November 7, 2019Date of Patent: August 3, 2021Assignee: Brighterion, Inc.Inventor: Akli Adjaoute
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Patent number: 11080709Abstract: A method of reducing financial fraud by operating artificial intelligence machines organized into parallel sets of predictive models with each set specially trained with supervised and unsupervised training data filtered for a particular financial channel. Each set integrates several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, business rules and constraints, smart agents and associated real-time profiling, recursive profiles, and long-term profiles. Suspicious and abnormal activities in any channel communicate across predictive models for all the financial channels through real-time memory storage updates to the smart agent profiles they all share.Type: GrantFiled: November 11, 2019Date of Patent: August 3, 2021Assignee: Brighterion, Inc.Inventor: Akli Adjaoute
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Patent number: 11080711Abstract: A computer-implemented transaction routing system including: a rule engine operative for receiving a flow of transaction data entities, using a processor for applying pre-imposed routing rules and determining routing of each data entity for which at least one pre-imposed routing rule is true to an external payment processor selected using the pre-imposed routing rule; and a transaction processing analyzer operative to accumulate data characterizing current handling by respective payment processors of at least transaction data entities routed to the respective payment processors by this system to maintain, by using a processor to compute, from the data, current statistics quantifying at least one handling aspect quality characterizing each of the plurality of supported payment processors, and to route at least each transaction data entity for which no pre-imposed routing-rules are true to a “best” payment processor selected by applying predetermined aspect combining criteria which prioritize the aspects to theType: GrantFiled: November 24, 2015Date of Patent: August 3, 2021Assignee: ZOOZ MOBILE LTD.Inventors: Oren Levy, Ronen Morecki, Ben Yaniv Chechik
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Patent number: 11080738Abstract: The systems, methods, and computer readable mediums described herein provide a secure method for a transaction account issuer to issue a digital pass to an existing transaction account holder (e.g., an existing user) that may be shared and/or provided to a prospective transaction account holder (e.g., a new user). The digital pass may be sharable from an existing user's user device to a new user's user device. The systems, methods, and computer readable mediums described herein may also employ an adaptive web design solution to increase application completion rates by capturing minimal viable information from a prospective member.Type: GrantFiled: November 7, 2018Date of Patent: August 3, 2021Assignee: American Express Travel Related Services Company, Inc.Inventors: Raghavendra V. Chidella, Hans-Jurgen Greiner, Mallikarj U. Hiremath, Padmaja Kodavanti, Gopinath Kondapally, Simon R. Mableson, Kevin H. Ringger, Kongaraveera Venkata Satya Srinivasu, Ganeshbabu Subramanian, Arun Swamy, Subha Vanavamalai, Undra Viverette
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Patent number: 11074651Abstract: Systems and methods for transforming an electronic portfolio. A system includes an electronic crossing platform that receives data defining trade orders of the electronic portfolio during an initial time period; compares portions of the data to determine an imbalance of the trade orders remaining after the initial time period and receives, during a final time period, a final trade order from a fund agent device to offset the remaining imbalance. The platform receives, after the final time period, a benchmark value of the electronic portfolio from a fund device; compares the final trade order with the remaining imbalance to determine an adjustment value; converts the benchmark value to a final value by applying the adjustment value to the benchmark value; and transforms the electronic portfolio into the transformed portfolio by creating paired buy and sell orders among the trade orders received during the initial time period at the final value.Type: GrantFiled: June 5, 2020Date of Patent: July 27, 2021Assignee: NYSE Group, Inc.Inventors: Clifford Weber, Thomas Champion, Laura V. Morrison
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Patent number: 11074653Abstract: Methods and system are described for optimizing data processing in cloud-based, machine learning environments. For example, through the use of a machine learning model utilizing a self organizing map and/or the use of specific processing nodes in a computer system to perform specific tasks the methods and system may more efficiently distribute tasks through a cloud computing environment and increase overall processing speeds despite increasing amounts of data. The methods and system described herein are particularly related to collateral allocation computer systems that automate the management of numerous collateral assets. For example, as the amount of collateral assets and the complexity of given transactions grow, typical allocation systems face frequent processing delays related to collateral allocations (e.g., allocations of collateral associated with Tri-Party Repos).Type: GrantFiled: June 15, 2020Date of Patent: July 27, 2021Assignee: The Bank of New York MellonInventors: Brian Blank, Song He, Madhusudan Rana, Pavithran Rajendran, Bryan Chan
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Patent number: 11068644Abstract: A system and method for creating customized insurance-related forms (e.g., agreements, policies, exceptions, and other insurance-related documents) using computing devices is disclosed. A user can quickly and conveniently create customized insurance-related forms, and can transmit same to one or more remote users and/or computing systems for further processing. The system provides rich tagged searching and editing features for allowing an insurance professional to rapidly create customized forms, and to access other forms while editing a given form. The system ingests and decomposes insurance-related forms into clauses, applies search tags to the clauses, and stores the clauses and the search tags in a database for rapid searching and retrieval of desired tags for use in creating customized forms.Type: GrantFiled: March 30, 2016Date of Patent: July 20, 2021Assignee: Insurance Services Office, Inc.Inventors: Ronald Beiderman, John Scerbo, Michael E. Goodside, Ka Man Chan, Mark Peterson
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Patent number: 11067618Abstract: An example embodiment of the present disclosure provides a method of diagnosing root causes of anomalous AMI meter data. The method can include receiving meter data, identifying anomalous data in the meter data, comparing the anomalous data to a database of known root causes, and generating a work order if there is a known root causes of the anomalous data. The method can also include requesting manual review of anomalous data without a known root cause and receiving input indicating a discovered root cause. The method can add the discovered root cause to the database of known root causes.Type: GrantFiled: July 20, 2018Date of Patent: July 20, 2021Assignee: The Southern CompanyInventors: Wesley Morgan Granade, Melanie Steele Sosebee, Robert L. Hatcher, Tracey Lee Miller, Reginald W. Carroll
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Patent number: 11069014Abstract: A computer system to reconcile hard assets carried on the financial data reporting computer systems of a corporation or government entity with actual inventory assets discovered on the networks of said entity. Automatic discovery of inventory assets is performed by executing scripts specified in fingerprints of the types of machines the system can recognize. When a machine is found at a live P address, the fingerprint scripts determine the operating system type and extract data from the operating system regarding the attributes of the machine. Hard assets are then imported from the financial data reporting computer system, and automatic reconciliation rules are drafted by a user and run on the asset data to find inventory assets which match hard assets. Linking or pointer data is established to record each match. Then unmatched inventory and hard assets are displayed and manual matching occurs where in the user points to and selects inventory assets which match particular hard assets.Type: GrantFiled: November 13, 2017Date of Patent: July 20, 2021Assignee: BDNA CorporationInventors: Rohit Thukral, John Robert Thorpe, Charles Larry Marker, II, Constantin Stelio Delivanis, Alistair D'Lougar Black, Chih-Po Wen
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Patent number: 11062387Abstract: Systems and methods for using an intelligent interrogative learning platform may be provided. The system may be further configured to assist a user in aligning decisions with a rank ordered set of priorities and goals. The system may be further configured to assign at least one of a score, rank, percentage, numerical value and the like to a quality of life metric. The system may further be configured to perform a method such that a computing device may receive login information from a user, display, an interactive display wherein the interactive display presents data to the user requiring feedback, receive user selections and responses, analyze the user selections and responses, and calculating a quality of life score based on the analysis.Type: GrantFiled: November 16, 2019Date of Patent: July 13, 2021Assignee: Money Experience, Inc.Inventors: Mahendrajeet Singh, Michael Young, Beth York, Anja Saloranta
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Patent number: 11062366Abstract: A method begins with storing, by an enterprise storage, an exchange item database, an agreements database, and a rules database. The method continues with an enterprise server initially validating exchange items and creating records in the exchange item database for validated exchange items, where each of the exchange items includes data regarding a quantifiable value, a serial number, and issuance information. The method continues with the enterprise server securely transferring a selected exchange item from a first computing device to a second computing device in accordance with an offer for sale of the selected exchange item and securely applying the selected exchange item to a closed loop digital transaction between two computing entities in accordance with an agreement of the agreements database. The method continues with the enterprise server securely modifying the data of the selected exchange item in accordance with an applicable set of rules from the rules database.Type: GrantFiled: July 12, 2016Date of Patent: July 13, 2021Assignee: Raise Marketplace Inc.Inventors: Josh K. Metnick, Conrad Hancock Barski
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Patent number: 11062277Abstract: A Point-Of-Sale (POS) terminal is equipped to process virtual currencies for transactions. A rate checker obtains a real-time conversion rate for the virtual currencies to a government issued currency. The virtual currencies can be held or immediately exchanged for the government issued currency. Analysis of trends in exchange rates and policy drives when the virtual currencies are exchanged for the government issued currency.Type: GrantFiled: November 26, 2014Date of Patent: July 13, 2021Assignee: NCR CorporationInventor: Aaron Lloyd Kelley
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Patent number: 11062316Abstract: Computer memory management during real-time fraudulent transaction analysis is disclosed. In an embodiment, a method includes receiving a transaction entry and determining whether the transaction entry is potentially fraudulent, including by determining whether the transaction entry is correlated with another transaction entry in the computer memory or an already-identified suspicious pattern of other transaction entries. The method further includes determining whether to evict the transaction entry from the computer memory based on the determination of whether the transaction entry is potentially fraudulent. The method includes providing a result of fraudulent transaction analysis performed using the computer memory that has been optimized.Type: GrantFiled: August 13, 2018Date of Patent: July 13, 2021Assignee: Feedzai—Consultadoria e Inovaçâo Tecnológica, S.A.Inventors: Pedro Gustavo Santos Rodrigues Bizarro, Mariana Rodrigues Lourenço
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Patent number: 11064349Abstract: Certain embodiments provide a method including obtaining data at a first time using at least one sensor associated with a mobile computing device, the at least one sensor arranged to gather data regarding at least one operating factor for the mobile computing device, the mobile computing device configured to receive market data and execute a trading application. The example method includes analyzing the data obtained from the at least one sensor to determine the at least one operating factor. The example method includes determining a first operating state of the mobile computing device based on the at least one operating factor. The example method includes altering a function of the mobile computing device with respect to the trading application based on the first operating state.Type: GrantFiled: June 24, 2020Date of Patent: July 13, 2021Assignee: Trading Technologies International, Inc.Inventor: Scott F. Singer
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Patent number: 11062322Abstract: A server and method for hosting a ledger are provided. The server includes at least one processor; at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the ledger at least to: receive, from a buyer bank, authorisation of payment from the buyer bank to a seller bank; transmit a command that triggers a payment sequence to effect payment from the buyer bank to the seller bank, in response to receipt of the authorisation of the payment; and update the ledger on progress of the payment sequence between the buyer bank and the seller bank.Type: GrantFiled: October 22, 2018Date of Patent: July 13, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Devesh Patel, Rinkal Shah, Mayur Raiyani, Vimal Amrutiya, Semal Gajera
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Patent number: 11055707Abstract: Embodiments of the present invention are directed to methods and systems for managing a cryptocurrency payment network comprising one or more issuer nodes and one or more distributor nodes. Issuer nodes may be granted different rights from distributor nodes with respect to the issuance and distribution of digital currency within the cryptocurrency payment network. A management system server computer may generate unique node verification key pairs for each node in the cryptocurrency payment network, where the node verification key pairs may be used to identify and authenticate issuer nodes and distributor nodes.Type: GrantFiled: June 24, 2015Date of Patent: July 6, 2021Assignee: Visa International Service AssociationInventor: Phaneendra Ramaseshu Lingappa
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Patent number: 11055716Abstract: There are provided systems and methods for risk analysis for fraud detection for electronic transaction processing flows. An entity, such as a user, business, or other personal or commercial entity, may interact with another entity in order to engage in a transaction, for example, a purchase, transfer, or other transaction process. The first entity may utilize a service provider to engage in transaction processing, which may provide multiple flows that govern the features provided to the entities. Such features may include fees required for transaction processing. In order to ensure that the entities do not fraudulently choose a flow type that decreases or cancels fees due, or does not provide certain protections to other parties, a risk analysis of the transaction and the account may be executed based on accessible historical data and identifiers. Thus, the entities may automatically be entered to one flow over another based on the risk analysis.Type: GrantFiled: September 19, 2016Date of Patent: July 6, 2021Assignee: PAYPAL, INC.Inventors: Harith Al Anbari, Laura Wong, Hemal Doshi, Shriram Sundaravalli, Yaeli Cohen, Novalina Nursalim
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Patent number: 11055757Abstract: A multi-platform e-commerce system with an asynchronous virtual cart is disclosed. The system includes one or more processors and a memory device storing a set of instructions that when executed by the one or more processors, causes the one or more processors to: create an internal virtual cart associated with the multi-platform e-commerce system; in response to the creation of the internal virtual cart, create an external asynchronous virtual cart associated with one or more single e-commerce platforms; in response to every action taken in the internal virtual cart associated with the multi-platform e-commerce system, enable performance of an immediate corresponding action on the external asynchronous virtual cart associated with the one or more single e-commerce platforms.Type: GrantFiled: April 13, 2018Date of Patent: July 6, 2021Assignee: Violet.io, Inc.Inventors: Brandon Schulz, Rhen Zabel
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Patent number: 11053803Abstract: Methods for forming airfoil, cores for forming airfoil, and airfoils for gas turbine engines are described. The methods include forming an airfoil body about a core assembly, the core assembly comprising at least one core structure having a radially extending purge slot protrusion extending from a portion of the at least one core structure, removing the core assembly from the airfoil body to form one or more internal cavities, wherein at least one internal cavity has a cavity extension define by the purge slot protrusion, and forming a squealer pocket in a tip of the formed airfoil body, wherein a cavity purge slot is formed at the cavity extension to fluidly connect the respect internal cavity with the squealer pocket. The radially extending protrusion has a radial height that is equal to or less than five times a width thereof.Type: GrantFiled: October 4, 2019Date of Patent: July 6, 2021Assignee: RAYTHEON TECHNOLOGIES CORPORATIONInventors: Emma J. Place, Jeremy B. Fredette, Timothy J. Jennings
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Patent number: 11055777Abstract: Disclosed herein are systems, methods, and computer program products for communicating a first information node between a seller and a buyer of a production share of verifiable physical goods over a central service layer. A second information node is recorded in the data store covering the verifiable physical goods, wherein the second information node is made by a guarantor in communication with the central service layer. An identifier of the second information node is associated with the first information node over the central service layer. Market information regarding the production share is translated from the first information node and the second information node accessed from the data store using the identifier and integrating the market information regarding the production share into adjusted market information, and the market information regarding the production share and the adjusted market information is transmitted to devices connected over the central service layer.Type: GrantFiled: February 4, 2019Date of Patent: July 6, 2021Assignee: SANTERI HOLDINGS LLCInventors: Joseph Alexander Godell, Ralph Wayne Godell
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Patent number: 11055791Abstract: Systems, methods, and apparatuses using a processor coupled to a non-transitory machine-readable medium storing instructions. The processor is structured to count a first amount of currency, wherein the first amount of currency is the actual amount of currency received by a teller money drawer, receive an indication of a second amount of currency, wherein the second amount of currency is an expected amount of currency, compare the first amount of currency to the second amount of currency, discover a discrepancy between the first amount of currency and the second amount of currency, and transmit discrepancy information to be displayed on a teller computing device.Type: GrantFiled: December 22, 2016Date of Patent: July 6, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Alicia Y. Moore, Miranda C. Hill, Susan Symons
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Patent number: 11055778Abstract: An apparatus and method is provided for modeling and generating basket data for non-transparent exchange-traded funds (ETFs) for share creation and redemption. Portfolio data, including start of day positions for the ETF and trading information for trades executed by a fund management computer (FMC) during the trading day, is transmitted from the FMC to a basket modeling application computer (BMA). The BMA receives, stores and electronically time-stamps the portfolio data in the native FMC format, and captures, decrypts, stores, and time-stamps encrypted T?1 basket data and creation order data from a primary market trading computer (PMTC) in native PMTC format, this data including creation orders executed by the PMTC during the trading day. The BMA technically validates and transforms the data to form a composite image of the ETF portfolio, applies a set of rules to generate today's basket data (T basket), and disseminates the T basket.Type: GrantFiled: June 6, 2019Date of Patent: July 6, 2021Assignee: NextShares Solutions, Inc.Inventor: Desmond John Gallacher
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Patent number: 11055738Abstract: Systems and methods for obtaining non-customer lead information include displaying an initial screen on an ATM operated by a financial institution. The method may include authenticating the user at the ATM and determining the user is a non-customer of the financial institution operating the ATM. The method further includes presenting an offer to the non-customer on the ATM and receiving a response from the non-customer relating to the lead offer presented, wherein the response contains non-customer lead information provided by the non-customer. The method may further include transferring the response containing the non-customer lead information to the financial institution computing system.Type: GrantFiled: June 16, 2014Date of Patent: July 6, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Darren Goetz, Nahal Agahi, Alicia Moore, Elizabeth Schrag
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Patent number: 11055784Abstract: Computerized systems and methods construct low carbon indexes achieve a target level of tracking error relative to a broad market, Parent Index, while minimizing carbon exposure. The indexes can address two dimensions of carbon exposure—carbon emissions and fossil fuel reserves. By overweighting or selecting companies with low carbon emissions relative to sales and those with low potential carbon emissions per dollar of market capitalization, the indexes can reflect a lower carbon exposure that that of the broad market.Type: GrantFiled: November 25, 2015Date of Patent: July 6, 2021Assignee: MSCI Inc.Inventors: Sébastien R. Lieblich, Remy-Entienne Werner Briand, Thomas Kuh, Neeraj Dabake, Anurag Singh
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Patent number: 11055783Abstract: The disclosure is directed to a trading platform and, more particularly, to systems and processes for simplifying market based investments using market sentiment and dynamic risk assessment profiles. A method implemented in a computer infrastructure has computer executable code tangibly embodied on a computer readable storage medium having programming instructions operable to: determine dynamic risk assessment profiles of different users; obtain trading information from disparate electronic sources; generate at least one investment opportunity with a risk profile using the trading information and matching the investment opportunity with the dynamic risk assessment profiles of a selected user or of the different users; and provide at least one trading recipe which is configured to convert the at least one investment opportunity into a simplified executable trade for the selected user.Type: GrantFiled: June 5, 2020Date of Patent: July 6, 2021Assignee: TTC HOLDINGS INC.Inventors: Matthew B. Trevathan, Matthew A. Terry, Andrew M. Calderon
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Patent number: 11054163Abstract: A Thermal Performance Forecast approach is described that can be used to forecast heating and cooling fuel consumption based on changes to user preferences and building-specific parameters that include indoor temperature, building insulation, HVAC system efficiency, and internal gains. A simplified version of the Thermal Performance Forecast approach, called the Approximated Thermal Performance Forecast, provides a single equation that accepts two fundamental input parameters and four ratios that express the relationship between the existing and post-change variables for the building properties to estimate future fuel consumption. The Approximated Thermal Performance Forecast approach marginally sacrifices accuracy for a simplified forecast.Type: GrantFiled: November 2, 2020Date of Patent: July 6, 2021Assignee: CLEAN POWER RESEARCH, L.L.C.Inventor: Thomas E. Hoff
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Patent number: 11055727Abstract: An improvement to the timespan for processing very large data sets using fuzzy logic to analyze billions of combinations of characters to enable an early detection of identity masking corresponding to new account fraud is provided. An identity masking fraud detection system is provided that receives new client data records including identifying information, compares the identifying information against prior user profiles stored in a database, determines when a prior user profile is matched with the identity information in the new client data record, and flags the new client data record and corresponding prior user profile as suspicious when an unresolved transaction is identified in associated with the prior user profile. The system prompts the new client user for additional identification information to verify that the new client user is not associated with the prior user profile or for the new client user to resolve the unresolved transaction.Type: GrantFiled: May 15, 2018Date of Patent: July 6, 2021Assignee: COX COMMUNICATIONS, INC.Inventor: Uday R. Kumar
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Patent number: 11055924Abstract: Computer systems and methods for accessing and presenting value characteristics of vehicles in augmented reality are disclosed. A method of accessing and presenting value characteristics in augmented reality includes capturing an image of a portion of an environment including at least a portion of a motor vehicle, and displaying an augmented reality version of the environment. Displaying the augmented reality version of the environment includes: identifying, based on the captured image, at least a make and model of the motor vehicle; obtaining, from one or more data stores based on the make and model, at least one value characteristic of the vehicle; and compositing a second image of a portion of the environment with an indication of the at least one value characteristic of the vehicle. Value characteristics of a vehicle may include insurance cost, finance cost, fuel cost and/or total cost of ownership.Type: GrantFiled: September 30, 2019Date of Patent: July 6, 2021Assignee: The Toronto-Dominion BankInventors: Miguel Navarro, Levi Sutter, Mohamed Abbas, Mathew Hause
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Patent number: 11049080Abstract: In one embodiment, a trusted cloud service such as an “electronic vault” may store records of a consumer's electronic data file history. These documents may come from disparate providers and include financial statements and the like. The trusted vault cloud may act as an online notary to certify documents are legitimate and may be trusted. For example, a retailer may dispute whether the consumer paid a debt. To resolve the issue the retailer may access the cloud vault to retrieve a bank statement for the consumer, whereby the bank statement is electronically notarized by the vault cloud and is thus credible to the retailer. The retailer may then see proof the consumer had indeed paid a past debt to the retailer. Other embodiments are described herein.Type: GrantFiled: February 5, 2018Date of Patent: June 29, 2021Assignee: Intel CorporationInventor: Casey L. Baron
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Patent number: 11048504Abstract: Some embodiments provide a non-transitory machine-readable medium that stores a program. The program receives, from a client device, a project for an existing application. The program further receives from the client device a request to add an offline mode to the existing application. In response to receiving the request, the program also includes programming code in the project for implementing the offline mode in the existing application. The program further generates an application configured for execution on the client device. The application is a version of the existing application that includes the feature for operating the existing application in the offline mode.Type: GrantFiled: June 21, 2019Date of Patent: June 29, 2021Assignee: SAP SEInventors: Garima Srivastava, Paulami Mitra
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Patent number: 11049109Abstract: A method of detecting whether electronic fraud alerts are false positives includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that determines whether to generate an electronic fraud alert for the financial transaction based upon the data, and, when an electronic fraud alert is generated, inputting the data into a machine learning program trained to identify one or more facts indicated by the data. The method may also include determining whether the identified facts can be verified by customer data and, in response to determining that the facts can be verified, retrieving or receiving first customer data. The method may further include verifying that the electronic fraud alert is not a false positive based upon analysis of the first customer data, and transmitting the verified electronic fraud alert to a mobile device of the customer to alert the customer to fraudulent activity.Type: GrantFiled: June 11, 2020Date of Patent: June 29, 2021Assignee: State Farm Mutual Automobile Insurance CompanyInventors: Timothy Kramme, Elizabeth A. Flowers, Reena Batra, Miriam Valero, Puneit Dua, Shanna L. Phillips, Russell Ruestman, Bradley A. Craig
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Patent number: 11042934Abstract: A crypto-machine learning enabled blockchain based profile pricer processes computer-readable instructions to determine requested information for a user that can be displayed on a user interface in real-time or near real-time of the user's request. In addition, the crypto-machine learning enabled blockchain based profile pricer processes provided data to be customized for the user based on a user profile stored in the memory as well as based on third party data stored in a database of related information. The pricer communicates the data to the user using blockchains via a smart contract using a private key and initiates a data transfer based on an input received from the user.Type: GrantFiled: November 13, 2017Date of Patent: June 22, 2021Assignee: Bank of America CorporationInventors: Awadhesh Pratap Singh, Vinay Laxmikant Bade
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Patent number: 11042931Abstract: Computer systems and methods for managing resources are described.Type: GrantFiled: March 6, 2019Date of Patent: June 22, 2021Assignee: The Toronto-Dominion BankInventors: Carlos Alejandro Kade, Anne Marie Morissette, Vijay Kumar, Caroline Bandiera, Adriann Teresa Coe
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Patent number: 11042882Abstract: A method, system, apparatus, and computer program for conducting a real-time payment transaction. The method includes receiving a request for payment from a creditor financial institution (FI), and forwarding it to a debtor (FI). A payment transaction message is received from the debtor financial institution, specifying an amount of payment requested in the request, and is forwarded to the creditor FI such that the amount of payment is credited to an account in real-time. The debtor FI can request a return of the payment, in which case the creditor FI can comply therewith or refuse to return the payment. Also, an unsettled financial position of the debtor FI can be settled where that position does not exceed a combination of a pre-funded balance in a settlement account and a net debit cap value, and multiple settlements can be performed depending on a relationship between the position and combination.Type: GrantFiled: July 1, 2016Date of Patent: June 22, 2021Assignee: THE CLEARING HOUSE PAYMENTS COMPANY, L.L.C.Inventors: Stephen Ledford, Irfan Ahmad
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Patent number: 11042939Abstract: A method, non-transitory computer readable medium and apparatus for vehicle valuation includes integrating with an insurance claim application executed by an agent device in response to an electronic request for a claim for a vehicle. Automated valuation of the claim vehicle in the insurance claim application executed by an agent computing device is managed. Corresponding build sheet data from a build sheet data server device for the comparable vehicles and the vehicle based on a corresponding vehicle identifier for each is obtained. A comparable base value of each of the comparable vehicles to the claim vehicle is adjusted based on differences between the obtained build sheet data for each. A claim base value for the claim vehicle is determined based on the adjusted comparable base values for each of the identified comparable vehicles. The determined claim base value is set in the insurance claim application executed by the agent device.Type: GrantFiled: August 18, 2017Date of Patent: June 22, 2021Assignee: Mitchell International, Inc.Inventors: Philip Kroell, Michael Milliken, Joseph Riedesel
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Patent number: 11037210Abstract: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.Type: GrantFiled: March 21, 2019Date of Patent: June 15, 2021Assignee: Capital One Services, LLCInventors: Jonathan Turner, Arthur Koeppel
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Patent number: 11036704Abstract: A database system (2) stores a database in the random-access memory of a plurality of computer devices (4) by organizing an efficient and robust distribution.Type: GrantFiled: April 25, 2017Date of Patent: June 15, 2021Assignee: INTERSECInventors: Florent Bruneau, Jean-Marc Coic
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Patent number: 11037105Abstract: The present invention concerns a system for optimizing employee retirement contributions comprising an optimization computer having one or more processors configured by code executing therein to access data from one or more retirement plan participants and derive, based on the accessed data, a hierarchy of proposals to maximize one or more features of the retirement account and to transmit such a derived hierarchy, and using a remote device configured to receive the hierarchy of retirement proposals and to generate in response to the transmission, a plurality of graphical elements, each graphical element corresponding to a particular strategy.Type: GrantFiled: June 10, 2016Date of Patent: June 15, 2021Inventors: Rohit J. Roy, Riya J. Roy
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Patent number: 11038676Abstract: The disclosure relates to, among other things, systems and methods for facilitating the secure recording of assertions made by entities tied to identities. Embodiments of the disclosed systems and methods may allow users to make non-revocable, difficult to forge, cryptographic assertions tied to their identities through the posting of entries in an immutable ledger. In certain embodiments, a user's cryptographic assertions may be preceded by ledger entries which feature certificates from trusted authorities that tie the keys used for making assertions to the user's identity. Further embodiments provide for a mechanism for disabling further entries posted under a user's key, either automatically or at the user's initiation.Type: GrantFiled: May 23, 2019Date of Patent: June 15, 2021Assignee: Incertrust Technologies CorporationInventor: Caleb Levy
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Patent number: 11037230Abstract: There is provided a method that includes (a) presenting, via a communications network, a first interface that enables a creditor to access a credit application template, to create a customized credit application, and (b) presenting, via the communications network, a second interface that enables a credit applicant to access the customized credit application and provide information required by the customized credit application. There is also provided a system that executes the method.Type: GrantFiled: August 29, 2008Date of Patent: June 15, 2021Assignee: DUN AND BRADSTREET, INC.Inventors: David Bruce Ingerman, Neel Lee Chauhan, Jeffrey Lewis Kaufman
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Patent number: 11036765Abstract: A method is provided for dynamic ingestion of data. The method includes detecting presence of data sets in an input queue, each data set belonging to a group. The method additionally includes fetching the data sets from each group utilizing a parallel computation engine including multiple partitioned processors, wherein each group is assigned to a partition of one of the multiple partitioned processors for processing. The method further includes processing the data sets for each group utilizing a group level process of the multiple partitioned processors to obtain resultant data sets and transmitting the resultant data sets for each group to a business logic processor pool in order to process the data sets in accordance with existing rules in order to generate a final data set.Type: GrantFiled: March 15, 2017Date of Patent: June 15, 2021Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Ganesh Nagarathnam, Mandar Joshi, Balaji Natesan
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Patent number: 11037195Abstract: Aspects of the present disclosure provide techniques for intelligently presenting targeted offers to a user of a software application. Embodiments include receiving received request from a user of the software application to access a portion of the software application. Using a predictive model, a predictive score is generated for the user. The predictive model generally may be a model trained using user account data reduced into n-tuples of predictive attributes representative of a plurality of users, correlated with clickstream data associated with the plurality of users indicating whether a user interacted with a targeted offer. The predictive score generally represents a likelihood that the user will interact with the targeted offer based on data stored by the software application for the user. The targeted offer is presented to the user based, at least in part, on a determination that the predictive score for the user exceeds a threshold score.Type: GrantFiled: May 21, 2018Date of Patent: June 15, 2021Assignee: INTUIT INC.Inventor: Gaurav Puri
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Patent number: 11038876Abstract: A method includes: receiving a request regarding access by a first computing device (e.g., a mobile device of a user) to a service; in response to the request, performing, by a second computing device (e.g., a device risk evaluation server, or a server of an identity provider), an evaluation that includes creating a fingerprint of the first computing device; and determining, by the second computing device, whether the fingerprint matches a fingerprint of one or more other computing devices. The second computing devices determines whether to authorize access to the service based on the evaluation.Type: GrantFiled: January 7, 2019Date of Patent: June 15, 2021Assignee: Lookout, Inc.Inventors: Aaron Cockerill, David Richardson, Daniel Thanos, William Neil Robinson, Brian James Buck, Kevin Patrick Mahaffey
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Patent number: 11030706Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.Type: GrantFiled: November 29, 2018Date of Patent: June 8, 2021Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
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Patent number: 11030619Abstract: A device may receive information related to a first plurality of individuals and an individual. Each of the first plurality of individuals may be associated with a respective one or more accounts. The device may receive a request to match the individual and one or more individuals. The device may determine a match of the individual and the one or more individuals based on the information. The device may receive, from a user device associated with the individual, a selection of an account, of the respective one or more accounts, associated with another individual of the first plurality of individuals. The device may provide, for display to the other individual, a notification that the individual and the other individual have been matched and that the individual selected the account associated with the other individual. The device may perform one or more actions related to completing the transaction using the account.Type: GrantFiled: February 5, 2018Date of Patent: June 8, 2021Assignee: Capital One Services, LLCInventors: Jeremy Phillips, Zhe Liu, Wenjie Liu