Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10977290
    Abstract: A method for processing digital transactions includes receiving, from one or more source systems, a plurality of uncategorized digital transactions; and prioritizing the uncategorized digital transactions according to a key performance indicator (KPI) of each uncategorized digital transaction. A subset of the prioritized uncategorized digital transactions is communicated to a labeling system configured to apply a category label to each digital transaction. A subset of categorized digital transactions corresponding to the subset of the prioritized uncategorized digital transactions is received from the labeling system. Category label and a label confidence value are applied to each transaction of a remaining set of uncategorized digital transactions based on the subset of categorized digital transactions. The label confidence value is indicative of a confidence that a given label was correctly applied to a given transaction.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: April 13, 2021
    Assignee: Accenture Global Solutions Limited
    Inventors: Abhilash Alexander Miranda, Konstantinos Mammas
  • Patent number: 10970972
    Abstract: Embodiments of the present invention provide a method, system and computer program product for a wager registration for aftermarket brokered wagers. A wager registration method for aftermarket brokered wagers includes receiving from an initial bettor in an aftermarket brokered wager computing system a digital image of a physical wager established with a purveyor of wagers independent of the aftermarket brokered wager computing system. The method additionally includes validating an authenticity of the digital image and responsive to the validation, writing a record to a registry indicating one hundred percent (100%) ownership of the wager by the bettor at an amount and odds indicated by the image. The method yet further includes confirming the record upon receipt of the physical wager and subsequently updating the record in the registry to indicate only a fractional ownership of the wager responsive to a third-party aftermarket buyer purchasing a fractional share of the wager.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 6, 2021
    Assignee: HEDGEKINGS LLC
    Inventors: Eduardo Burillo, Jeffrey Gross
  • Patent number: 10970965
    Abstract: A suggestion method for aftermarket brokered wagers includes selecting a subscriber to an aftermarket brokered wager computing system and determining at least one profile characteristic for the subscriber. Thereafter, a set of available wagers owned by other subscribers are filtered according to the determined profile characteristic to produce a recommended wager owned by a specific one of the other subscribers. Consequently, a message is pushed to a mobile device of the selected subscriber recommending a fractional purchase of the recommended wager at odds established at a time of acquisition of the recommended wager irrespective of contemporaneous odds for the recommended wager. In response to the acceptance of the recommended fractional purchase by the selected subscriber, a registry entry is then written in the brokered wager computing system denoting a fractional ownership of the recommended wager by the selected subscriber along with the specific one of the other subscribers.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 6, 2021
    Assignee: HEDGEKINGS LLC
    Inventors: Eduardo Burillo, Jeffrey Gross
  • Patent number: 10970719
    Abstract: Techniques for identifying fraudulent transactions are described. In one example method, an operation sequence and time difference information associated with a transaction are identified by a server. A probability that the transaction is a fraudulent transaction is predicted based on a result provided by a deep learning network, where the deep learning network is trained to predict fraudulent transactions based on operation sequences and time differences associated with a plurality of transaction samples, and where the deep learning network provides the result in response to input including the operation sequence and the time difference information associated with the transaction.
    Type: Grant
    Filed: March 15, 2019
    Date of Patent: April 6, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Longfei Li
  • Patent number: 10967880
    Abstract: A system and method for disabling a function of a feature of a vehicle based on a validation request to a centralized validation authority, prior to a use of the feature includes determining that a condition is met as part of a startup sequence of the vehicle, transmitting the validation request to the centralized validation authority, in response to determining the condition is met, wherein the validation request is part of the startup sequence of the vehicle, receiving a validation decision from the centralized validation authority, and disabling the feature of the vehicle as a function of the receiving the validation decision.
    Type: Grant
    Filed: July 23, 2018
    Date of Patent: April 6, 2021
    Assignee: International Business Machines Corporation
    Inventors: Cesar Augusto Rodriguez Bravo, Gregory J. Boss, Rick A. Hamilton, II
  • Patent number: 10972344
    Abstract: Provided are methods and systems for adjusting subscriber policies. A method for adjusting of subscriber policies may include applying traffic enforcement rules to a data traffic associated with a subscriber. The method can further include determining network conditions associated with the data traffic. The method can include modifying, based on the determination of the network conditions, attributes according to attribute adjustment rules to obtain modified attributes. The method can further include modifying the traffic enforcement rules based on the modified attributes to obtain modified traffic enforcement rules.
    Type: Grant
    Filed: February 5, 2019
    Date of Patent: April 6, 2021
    Assignee: A10 Networks, Inc.
    Inventors: Gennady Dosovitsky, Kishore Inampudi
  • Patent number: 10970780
    Abstract: A service running on a server includes a method running on a server, for example as a cloud server. The method begins with receiving from a user using a zero-knowledge protocol, each of a unique token associated with the user, an identifier of a statement to be rated, a vote related to the statement; and a pledged quantity tied to a reputation of the user and the vote. The vote either supports or opposes a veracity of the statement. Next, a confirmation is made to ensure that the unique token is associated with the user. A difference is determined between the pledge quantity and a numerical rating of the reputation of the user. In response to confirming the unique token is associated with the user and the difference is non-negative, updating a rating of the statement using zero-knowledge verifiable computing.
    Type: Grant
    Filed: November 1, 2016
    Date of Patent: April 6, 2021
    Assignee: International Business Machines Corporation
    Inventors: James R. Kraemer, Jeb R. Linton
  • Patent number: 10970299
    Abstract: A method is provided to produce a custom calendar user interface (UI) display on an electronic device display screen comprising: providing a search query to a user device; sending the search query over the network to a server system; receiving over the network by one or more user devices from a server system, information that identifies one or more code objects that match the search query; using the identified one or more identified code objects by the one or more user devices to generate one or more visual content items within a calendar user interface (UI) grid display on their device display screens.
    Type: Grant
    Filed: September 18, 2020
    Date of Patent: April 6, 2021
    Assignee: Asana, Inc.
    Inventors: Joshua R. Smith, Anne DuBois, Cliff Chang, John Stahl, Jr., David Braginsky, Scott Alexander Smith
  • Patent number: 10970966
    Abstract: In a spontaneous eco-system of aftermarket brokered wagers different subscribers are registered to an aftermarket wager brokering computing system and a request received from one of the subscribers to import a wager pool of new wagers none of which are published in the aftermarket wager brokering system. For each of the new wagers, odds are then extracted from the request, and also an amount wagered, and yet further a list of participants owning the new wagers, none of whom are subscribed to the aftermarket wager brokering system other than the one of the subscribers from which the request is received. Finally, the extracted information is written to a registry, the new wagers published for aftermarket re-sale and an entry written to the registry responsive to an acquisition of a portion of one of the new wagers so as to indicate a fractional ownership of the one of the new wagers.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 6, 2021
    Assignee: HEDGEKINGS LLC
    Inventors: Eduardo Burillo, Jeffrey Gross
  • Patent number: 10970787
    Abstract: A system for autonomous issuance and management of insurance policies for computer and information technology related risks, including but not limited to business losses due to system availability, cloud computing failures, current and past data breaches, and data integrity issues. The system will use a variety of current risk information to assess the likelihood of business interruption or loss due to both accidental issues and malicious activity. Based on these assessments, the system will be able to autonomously issue policies, adjust premium pricing, process claims, and seek re-insurance opportunities with a minimum of human input.
    Type: Grant
    Filed: March 4, 2018
    Date of Patent: April 6, 2021
    Assignee: QOMPLX, Inc.
    Inventors: Jason Crabtree, Andrew Sellers
  • Patent number: 10963875
    Abstract: Financing obtained from a lender may be processed by a retailer in a manner similar to a credit card. For example, transaction data associated with a transaction to acquire one or more items from the retailer may be entered at a point of sale terminal of the retailer. A request may be sent for a temporary shopping pass associated with an account of a consumer at the lender. The temporary shopping pass may be used as a virtual payment instrument to access financing (e.g., a loan, a lease, or a credit) provided by the lender. After receiving the temporary shopping pass, the shopping pass data included in the temporary shopping pass, such as a one-time card number, may be entered into the point of sale terminal. The transaction may be completed by processing the shopping pass data as a credit card type tender using the point of sale terminal.
    Type: Grant
    Filed: September 8, 2014
    Date of Patent: March 30, 2021
    Assignee: Vyze, Inc.
    Inventors: Kristin Marie Alvarez, Terence Paul Spielman, Thomas G. Carter, Christopher James Smith, Victorino Cardenas, Jr.
  • Patent number: 10963535
    Abstract: Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.
    Type: Grant
    Filed: December 11, 2014
    Date of Patent: March 30, 2021
    Assignee: MITEK SYSTEMS, INC.
    Inventors: Michael Strange, Robert J. Nies, Kirk Beitz
  • Patent number: 10963796
    Abstract: The invention relates to a method and system that implements an assessment tool that assesses regulations. The system comprises: a server interface; a data store; and an assessment engine comprising a computer processor, coupled to the server interface and the data store, programmed to: identify a regulation; divide the regulation into a plurality of rules; convert each rule into a question, test and one or more conditions; present, via a user interface, a first question to a user; receive, via the user interface, a response to the first question; store, in the data store, the response; present, via the user interface, a subsequent question responsive to the response; store, in the data store, the subsequent question and corresponding response; and dynamically generate an audit trail of each question and answer combination.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: March 30, 2021
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Darin Ryan Marple, Herb D. Blatt, Celena Cross, Agim Perolli, Marina Levin
  • Patent number: 10963901
    Abstract: Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes, in response to a selection of registration for an account with an entity, calling an application programming interface (API) associated with a virtual wallet platform, and receiving from the virtual wallet platform, via the API, a token associated with the entity. The method also includes displaying the token to a user and receiving, from the virtual wallet platform, a packet of personal identifying information for the user. The method further includes populating an application for registration of the user for the account with the personal identifying information included in the packet, and, upon an input from the user, enrolling the user in a program associated with the entity, based on the personal identifying information included in the packet, and providing the account to the user.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: March 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Manash Bhattacharjee, Prashant Sharma, Joseph Damon Hayes
  • Patent number: 10963954
    Abstract: Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. The current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value. The net value circuit computes a net value of accounts for the entity based on the determined current value and the aggregated temporal value.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: March 30, 2021
    Assignee: U.S. Bank National Association
    Inventor: Michael Orzechowski
  • Patent number: 10965695
    Abstract: Systems and methods for matching and scoring sameness. In some embodiments, a computer-implemented method is provided, comprising acts of: identifying a plurality of first-degree anchor values from the first digital interaction, wherein the plurality of first-degree anchor values comprise first-degree anchor values X and Y; accessing a profile of the first-degree anchor value X, wherein: the profile of the first-degree anchor value X comprises a plurality of sets of second-degree anchor values; and each set of the plurality of sets of second-degree anchor values corresponds to a respective anchor type and comprises one or more second-degree anchor values of that anchor type; determining how closely the first-degree anchor values X and Y are associated; and generating an association score indicative of how closely the plurality of first-degree anchors are associated, based at least in part on how closely the first-degree anchor values X and Y are associated.
    Type: Grant
    Filed: June 8, 2017
    Date of Patent: March 30, 2021
    Assignee: Mastercard Technologies Canada ULC
    Inventors: Christopher Everett Bailey, Randy Lukashuk, Gary Wayne Richardson
  • Patent number: 10963958
    Abstract: The present disclosure provides systems, methods, and products for assessing collateral data, including appraisal data, and providing timely notification of any problems or anomalies identified for the collateral. A central server may access collateral data from a remote data source, apply rules to the collateral data to detect problems, and then create a notification describing the problems. The central server may rapidly transmit the notification to remote computing devices that were registered by a lender, so that the lender may act quickly to remediate the problems. A collateral viewer application that interacts with the notifications may also be provided to lenders.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: March 30, 2021
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Annette M. Best, Donald Rosenthal, Ferdinand T. Wang, Gary M. Skinner, Adrienne B. Lyne
  • Patent number: 10963955
    Abstract: Apparatuses, methods, systems, and program products are disclosed for optimizing aggregation routing over a network. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to receive a request for aggregated account data accessible from a data aggregator server, select a data aggregator server from a plurality of data aggregator servers to service the request for the aggregated account data based on a plurality of factors associated with each of the plurality of data aggregator servers, format a request for the aggregated account data to be compatible with the selected data aggregator server, route the formatted request over the network to the selected data aggregator server, and receive the requested aggregated account data over the network from the selected data aggregator server.
    Type: Grant
    Filed: July 15, 2019
    Date of Patent: March 30, 2021
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 10956911
    Abstract: A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing system during runtime, determining at least one data element associated with the indication of data or instructions, generating metadata based on at least one of the indication and the determined at least one data element, and periodically executing a job, the job reads the metadata and modifies a workflow of the processing system based on the metadata.
    Type: Grant
    Filed: April 12, 2019
    Date of Patent: March 23, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Bradley John Knoblauch
  • Patent number: 10958532
    Abstract: An example embodiment involves receiving an activity record including activity data, provider data, and description data; applying a first layer of a multi-layer machine learning (ML) model to predict that the activity record relates to software, applying a second layer of the multi-layer ML model to predict a provider name of a software application referenced in the activity record, applying a third layer of the multi-layer ML model to predict an application title of the software application referenced in the activity record, and storing, in a database, a configuration item indicating that the activity record relates to software, where the configuration item contains attributes including the provider name and the application title.
    Type: Grant
    Filed: November 9, 2018
    Date of Patent: March 23, 2021
    Assignee: ServiceNow, Inc.
    Inventor: Gavin Thomas Peterkin
  • Patent number: 10956970
    Abstract: A set of dynamically-modifiable objects are maintained by a network system for a listing on an online marketplace. Each of the dynamically-modifiable objects includes a pointer referencing a corresponding one of a set of data records, each being associated with a respective asset for sale via the listing on the online marketplace. While the listing is active on the online marketplace, the network system can detect a change in status for a first data record that is referenced by a first pointer of a first dynamically-modifiable object. In response, the network system can identify a second data record not referenced by any pointers of the set of dynamically-modifiable objects and automatically update the first dynamically-modifiable object by de-referencing the first pointer from the first data record and referencing the first pointer to the second data record.
    Type: Grant
    Filed: January 16, 2018
    Date of Patent: March 23, 2021
    Assignee: Auction.com, LLC
    Inventors: Elizabeth O'Brien, Samuel Harrity
  • Patent number: 10956979
    Abstract: A computer implemented method determines a margin requirement for a financial product portfolio. Market conditions for the financial product portfolio are characterized by a zero curve. The method includes producing a plurality of scenario curves, each scenario curve reflecting a principal component analysis (PCA) model of the zero curve with a respective PCA factor of a plurality of PCA factors of the PCA model offset from a corresponding base value for the zero curve, calculating a respective projected value of the financial product portfolio for each scenario curve of the plurality of scenario curves, calculating a loss risk amount for each PCA factor based on the respective projected value and a current value of the financial product portfolio, and determining the margin requirement based on a sum of the loss risk amounts for the plurality of PCA factors.
    Type: Grant
    Filed: February 5, 2020
    Date of Patent: March 23, 2021
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Udesh Jha, Jalpan Shah, Dmitriy Glinberg, Edmund Li, Feliks Landa
  • Patent number: 10956925
    Abstract: A method for performing transactions using an aggregate payment medium involves obtaining payee data associated with a payee, obtaining transaction data associated with a transaction to be performed between a payer and the payee, and determining, for each payment medium, a benefit and a cost associated with using the payment medium for the transaction. The method further includes obtaining, for each of the payment media, a return from using the payment medium for the transaction, based on the benefit and the cost, selecting, from the payment media, a payment medium with a highest return, and providing, by the aggregate payment medium, payment medium data associated with the selected payment medium to the payee to enable execution of the transaction.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: March 23, 2021
    Assignee: Intuit Inc.
    Inventors: Peter Ouyang, Ken Yocum, Leah Zhao, Ye Ji Kim, Crystal Chung, Andre Luis, Carol Ann Howe, Mohammad Daraghmeh
  • Patent number: 10949652
    Abstract: Disclosed herein are system, method, and computer program product embodiments for securing ATM transactions based on facial detection. The approach contemplates performing facial detection on an image of a user of an ATM when the user authenticates themselves, and comparing the user's detected face to facial detection results of subsequent images taken at the ATM. Based on this comparison, various security events may be detected and, for any given security event, a particular action may be taken.
    Type: Grant
    Filed: November 8, 2019
    Date of Patent: March 16, 2021
    Assignee: Capital One Services, LLC
    Inventors: Ana Cruz, Vincent Pham, Nahid Farhady Ghalaty, Christopher Camenares, Lee Adcock, Jason Yl, Geeta Shyamala
  • Patent number: 10949812
    Abstract: The Vehicle Appearance Protection and Enhancement Apparatuses, Methods and Systems (“APEPS”) transforms initial product attribute data inputs via APEPS components into future product value enhancement verification outputs. In various aspects of the various embodiments of the APEPS system, an Automotive Appearance Protection Trade Credit, voucher, coupon, allowance, guarantee, etc. is provided to a user. The trade credit may equal a percentage, flat dollar amount, or dollar for dollar up to a maximum amount of the original automotive appearance protection/product purchase/lease price. The customer is provided with tangible value upon leaving a dealership, which states that by applying these products/protections the vehicle trade-in value will be enhanced. The APEPS provides a web portal for both customers and dealers that will automatically calculate and continuously update the trade credit.
    Type: Grant
    Filed: March 1, 2016
    Date of Patent: March 16, 2021
    Inventor: Benjamin Bruce Deschepper
  • Patent number: 10949762
    Abstract: The present disclosure provides a method and a system for optimizing Hidden Markov Model based land change prediction. Firstly, remotely sensed data is pre-processed and classified into a plurality of land use land cover classes (LULC). Then socio-economic driver variables data for a pre-defined interval of time are provided from a database. A Hidden Markov Model (HMM) is defined with LULC as hidden states and socio-economic driver variables data as observations and trained for generating a MINI state transition probability matrix. Again the defined MINI is trained by taking input data from scenario based temporal variables to generate another set of HMM state transition probability matrix. The generated MINI state transition probability matrix is then integrated with a spatio-temporal model to obtain an integrated model for predicting LULC changes to generate at least one prediction image.
    Type: Grant
    Filed: September 21, 2016
    Date of Patent: March 16, 2021
    Assignee: Tata Consultancy Services Limited
    Inventors: Shamsuddin Nasiruddin Ladha, Piyush Yadav, Shailesh Shankar Deshpande
  • Patent number: 10949926
    Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim such as sending data to a smart contract deployed on the shared ledger. The parties to the subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.
    Type: Grant
    Filed: April 17, 2018
    Date of Patent: March 16, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Shawn M. Call, Jaime Skaggs, Eric Bellas, Douglas A. Graff, William J. Leise, Vicki King, Jacob J. Alt, Eric R. Moore, Stacie A. McCullough
  • Patent number: 10949758
    Abstract: A computer-implemented method and system provide for externalizing data in process execution environments. The method includes extracting a data model from a domain specification. The data model includes a set of business objects, at least some of the business objects being linked to a domain-specific activity type by a business object relation. A database is generated from the data model which is accessible through an application program interface. Provision is made for a user to generate a domain-specific process model with links to business objects in the domain specification. The domain-specific process model is transformed to a domain-independent process model which has access to the database through the application program interface at runtime.
    Type: Grant
    Filed: May 31, 2017
    Date of Patent: March 16, 2021
    Assignee: Xerox Corporation
    Inventors: José Miguel Pérez Álvarez, Mario Cortes Cornax, Adrian Corneliu Mos, Yves Hoppenot
  • Patent number: 10949916
    Abstract: Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.
    Type: Grant
    Filed: July 3, 2018
    Date of Patent: March 16, 2021
    Assignee: Xero Limited
    Inventors: Kieran Gorman, Craig Walker
  • Patent number: 10943294
    Abstract: A computer-implemented method of continuously updating information about a customer approved for a mortgage, the customer associated with a customer identification number. In one aspect, the method may include monitoring information accessed from a blockchain corresponding to the customer identification number, the information used to determine the customer is approved for a mortgage. In addition, the method may further include receiving new information about the customer, the new information used to determine the customer is approved for a mortgage. Further, the method may include updating a block of the blockchain to include the new information and recalculating the amount in which the customer is approved for a mortgage based upon the new information received.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: March 9, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: 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
  • Patent number: 10943298
    Abstract: A system and method for assisting users in selecting and prioritizing financial or business goals, and determining a cash flow designed to meet those goals. The user provides, or authorizes the provision of, financial information, which is used by the system to calculate an initial cash flow. The system actively assists the user in selecting and planning for a variety of financial goals, automatically calculates and determines the financial requirements to achieve each of the goals, structures financial products or plans for each goal, and determines whether the user has sufficient assets and/or cash flow to fund or achieve the goals. Goals are prioritized according to a set of business rules, and cash flow elements and goals can be modified or changed according to a variety of business rules in order to fund or achieve the goals.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 9, 2021
    Inventor: Thomas F. White
  • Patent number: 10943308
    Abstract: A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.
    Type: Grant
    Filed: November 19, 2018
    Date of Patent: March 9, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Balin Kina Brandt, Laura Fisher, Marie Jeanette Floyd, Katherine J. McGee, Teresa Lynn Rench, Sruthi Vangala
  • Patent number: 10943216
    Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.
    Type: Grant
    Filed: October 27, 2015
    Date of Patent: March 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Sharon A. Rosano
  • Patent number: 10943296
    Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning KNN host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning KNN network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.
    Type: Grant
    Filed: February 19, 2019
    Date of Patent: March 9, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Madhu Sudhan Reddy Gudur, Vinod Yadav, Satish T. Narayanan, Harish R. Naik, Anand Bhushan, Amber G. Gupta, Sanjay S. Gwalani
  • Patent number: 10943237
    Abstract: Embodiments of systems and methods are provided for an authentication device that enables transactions with a payment instrument at different limitations, restrictions and/or use conditions. In an embodiment, a system comprises a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization.
    Type: Grant
    Filed: December 31, 2014
    Date of Patent: March 9, 2021
    Assignee: PayPal, Inc.
    Inventors: David Edward Eramian, Michael Voege
  • Patent number: 10937093
    Abstract: Processing and charting security exchange trading and market information shows security traders if current transactions originated as buy orders or sell orders, and simultaneously indicates traded quantity. Security exchange trading information is received that includes the price, volume and time of each trade. In addition, security exchange market information is received from buyers, specifying bide prices and quantities, and from sellers, specifying asking prices and quantities. The security exchange trading and market information is processed simultaneously and displayed as a continuously updated real-time chart depicting the exchange auction process whereby buyers and sellers agree to trade at specified prices, including details of individual transactions. The chart is formed by plotting each trade at the price traded, and for each plot point shows a distinctive icon indication whether the transaction was initiated by a buyer or seller.
    Type: Grant
    Filed: May 30, 2014
    Date of Patent: March 2, 2021
    Assignee: Trading Technologies International, Inc.
    Inventor: Douglas R. Duquette
  • Patent number: 10938753
    Abstract: Disclosed are systems and methods for conducting an open conversation user interface and more particularly, to a channel-agnostic user interface experience which can utilize automated background intelligence to simplify the exchange between a software system or member service representative (MSR) and a member, and avoids the need for web-based free form inputs.
    Type: Grant
    Filed: March 11, 2020
    Date of Patent: March 2, 2021
    Assignee: UIPCO, LLC
    Inventors: Ian Smith, Jeremy Mark Fisher, Heather Hernandez
  • Patent number: 10938675
    Abstract: A method of negotiating services. The method includes transmitting a service request to a provider device. The service request includes a base level of service at a base cost and alternative levels of service each at an alternative cost. Each of the alternative levels of service includes an alternative service parameter that has been downgraded relative to a corresponding base level service parameter. The alternative cost is less than the base cost. The method includes receiving a confirmation message from the provider device. The confirmation message indicates whether the base level of service or an alternative level of service has been accepted by the provider device. The method also includes receiving data at the base level of service or at the one of the one or more negotiated levels of service in accordance with the confirmation message.
    Type: Grant
    Filed: April 2, 2018
    Date of Patent: March 2, 2021
    Assignee: Futurewei Technologies, Inc.
    Inventor: Young Lee
  • Patent number: 10938985
    Abstract: In an approach for recommending a response time for callback, a processor receives an indication to initiate a callback to a caller after the caller requests the callback from a callee, wherein the callee is a user whom the caller has called. A processor analyzes callback information. A processor determines a callback time based on the callback information. A processor sends an alert about the callback, wherein the alert includes the determined callback time.
    Type: Grant
    Filed: November 27, 2018
    Date of Patent: March 2, 2021
    Assignee: International Business Machines Corporation
    Inventors: Priyansh Jaiswal, Shikhar Kwatra, Peeyush Jaiswal
  • Patent number: 10937098
    Abstract: A system for forming and managing online investment clubs utilizes the features of an online social network to provide advantages in the operation of such online investment clubs. The system permits users to follow and assess the investment skill of other investors in their own or other investment clubs and to follow such individuals' future investment decisions and those of other investment clubs. Unlike in existing investment clubs, the system maintains a constant real time evaluation of each user's investment decisions whether or not they were followed by the club, and ranks that valuation against all other users. The evaluation of each user's investment decision also provides the necessary information for the platform to compile various performance metrics of the individuals.
    Type: Grant
    Filed: May 19, 2015
    Date of Patent: March 2, 2021
    Assignee: Voleo, Inc.
    Inventor: Henry Jay Sujir
  • Patent number: 10937111
    Abstract: A computer-implemented method of managing energy supply agreements that includes: connecting to a permissioned blockchain, the blockchain being accessible only by energy suppliers, energy transmission companies and government agencies that regulate a market for the supply of energy by energy suppliers to energy transmission companies; creating a new block for an energy purchase agreement that provides for the purchase of energy by an energy transmission company from an energy supplier; appending the new block having the energy purchase agreement to the blockchain; and responsive to the energy supplier supplying a quantity of energy to the energy transmission company in an individual energy transaction, appending the individual energy transaction as a block to the blockchain.
    Type: Grant
    Filed: November 28, 2017
    Date of Patent: March 2, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Harish Bharti, Abhay K. Patra, Rajesh K. Saxena, Deependra K. Singh
  • Patent number: 10937091
    Abstract: Systems, methods, and computer-readable storage media are described for estimating real estate property values based on an adjusted repeat sales model using a regularized estimator. In one exemplary embodiment, a computer-implemented method calculates data for estimating the adjustments from an aggregated level to a first disaggregated level by marking a first transaction to a second transaction using a repeat sales house price index function at the aggregated level. The method also determines, using the calculated data, a regularized estimate of the deviation between the repeat sales house price index at the aggregated level and a repeat sales house price index at the first disaggregated level. The method further calculates the repeat sales house price index at the first disaggregated level based on the determined regularized estimate of the deviation from the aggregated level.
    Type: Grant
    Filed: April 17, 2020
    Date of Patent: March 2, 2021
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Stefan Krieger, J. Douglas Gordon, Yang Wang, Shaojie Chen, Ming Xiong
  • Patent number: 10937030
    Abstract: A computing system for detecting fraudulent payment card network events includes a ratio striping engine that receives scored payment card transaction authorization requests and generates data structures for a plurality of account ranges. Each data structure sorts the transaction authorization requests within the associated account range over a plurality of fraud score range stripes. The data structures are parsed over time periods that extend back from a common starting point. For each data structure and time period, at least one cumulative metric is calculated from the transaction authorization requests in each fraud score range stripe. For each data structure, ratio striping values are determined between values of the at least one metric in a fraud score range stripe over two of the time periods. A fraud event associated with at least one of the account ranges is detected based on the ratio striping values for the corresponding data structure.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: March 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Patent number: 10936605
    Abstract: Implementations of this specification provide methods and apparatuses for oblivious data transfer between computing devices. An example method includes receiving, by a second computing device, an oblivious transfer from a first computing device. The first computing device splits feature data in a feature dataset into a plurality of sub-data and uses the plurality of sub-data as input, and the second computing device uses label data in a label dataset as input. The second computing device selects target sub-data from the plurality of sub-data input by the first computing device, and determines a first summation result of the selected target sub-data. The second computing device receives from the first computing device a second summation result of the one or more splitting parameters in the splitting parameter set, and calculates a statistical indicator based on the first summation result and the second summation result.
    Type: Grant
    Filed: January 29, 2020
    Date of Patent: March 2, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Wenzhen Lin, Lichun Li
  • Patent number: 10936984
    Abstract: Embodiments of the present invention provide a system for mitigating exposure associated with identified impacts of technological system changes based on solution data modeling. The system is typically configured for generating solution data models comprising a plurality of asset systems and a plurality of users, store the solution data models in a model database, receive an input associated with a technological system change associated with a first asset, access a solution data model associated with the first asset, identify one or more relationships from the accessed solution data model, identify an impact associated with the technological system change, determine a category of exposure based on the identified impact, display the category of exposure and impact to a user, receive mitigation steps associated with the technological system change, and implement the mitigation steps.
    Type: Grant
    Filed: May 8, 2018
    Date of Patent: March 2, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katy Leigh Huneycutt, Richard LeRoy Hayes, Aaron Dion Kephart
  • Patent number: 10937010
    Abstract: Payment providers interact with an online service provider using a standard interface provided by the online service provider for different payment providers. A payment provider can invoke the interface of the online service provider to add credits for a user of the online service provider. The online service provider allows users to make purchases using credits. The online service provider authorizes purchases made by the user based on credits available for the user or based on a history of payments from the user. The online service provider sends an invoice based on the purchases to the payment provider. The payment provider can be any system that can invoke the interface provided by the online service provider. For example, the payment provider can be a financial institution, another user, or a business that provides credits to the user for performing actions that benefit the business.
    Type: Grant
    Filed: June 6, 2019
    Date of Patent: March 2, 2021
    Assignee: Facebook, Inc.
    Inventors: Guy Rom, George Lee
  • Patent number: 10929438
    Abstract: Systems and techniques for identifying segments in categorical data include receiving multiple transaction ID (TID) lists with univariate values that satisfy a thresholding metric with each TID list representing an occurrence of a single attribute in a set of transactions. The TID lists are stored with the univariate values that satisfy the thresholding metric in a data structure. In a loop, candidate itemsets to form from combinations of TID lists are determined using only the combinations of TID lists that satisfy categorical constraints. In the loop, for the candidate itemsets that satisfy categorical constraints, both the thresholding metric and a similarity metric are applied to the candidate itemsets. Final itemsets are formed from only the candidate itemsets that satisfy both the thresholding metric and the similarity metric.
    Type: Grant
    Filed: June 14, 2018
    Date of Patent: February 23, 2021
    Assignee: ADOBE INC.
    Inventors: Ritwik Sinha, Pranav Ravindra Maneriker, Dhruv Singal, Atanu R. Sinha
  • Patent number: 10929923
    Abstract: Session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalities or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. The security score may be used to affect business decisions made by an institution or financial entity.
    Type: Grant
    Filed: July 9, 2015
    Date of Patent: February 23, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Traci H. Nguyen, Michael Chang, Nairobi N. Kim, Ian Jensen, Samuel Martin, Cheung Li
  • Patent number: 10929805
    Abstract: A method and system of simulating a cost of shipment are provided. A request for quote (RFQ) is received by a computing device from a shipper having a plurality of trade lanes. A revenue generated from each trade lane is estimated and ranked based on the estimated revenue. An original time limit is assigned to each trade lane. A trade lane with a highest ranking that has not yet been selected is selected. For the selected trade lane, graphs for space and time granularity analysis are generated. Space and time granularities that maximize accuracy within the assigned time limit based on the generated graphs are calculated. Cost simulation analysis is performed using the calculated space and time granularities. Upon determining that there are trade lanes not yet selected, there is a return to the act of selecting a trade lane.
    Type: Grant
    Filed: August 1, 2018
    Date of Patent: February 23, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Joao Goncalves, Parijat Dube
  • Patent number: 10929777
    Abstract: An automated method of predictive model development first cleans up raw supervised and unsupervised training data with a step that uses an algorithm to make every field of every record consistent, cohesive, and productive. Then the resulting flat data is given texture in a next step by a data enrichment algorithm that culls fields that do not contribute to predictive model building and that adds new fields computed from data combinations that are tested to add value to later steps that build different types of predictive models. Another late step for building smart-agents and their entity profiles uses another algorithm that benefits greatly from the cleaned and highly enriched training data. The predictive models and smart-agents and their entity profiles are then rendered as deliverable predictive model markup language documents in a final step executed by a specialized algorithm.
    Type: Grant
    Filed: November 30, 2018
    Date of Patent: February 23, 2021
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute