Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 10262365
    Abstract: Methods and computerized exchange systems 100 for processing trade orders are disclosed. In the computerized exchange system 100, a sequencer 130 is configured to sequence incoming order entry messages for thereby putting incoming order entry messages in a sequenced order and to send, from the sequencer, order entry message(s) in a sequenced order to a plurality of order book engines 120a-c. Upon receipt of the sequenced order entry message(s) in the various order book engines 120-c, the plurality of order book engines process the sequenced order entry message(s) substantially in parallel. Various embodiments of the disclosed methods and computerized exchange systems allow for better performance, e.g. in terms of lower latency.
    Type: Grant
    Filed: April 16, 2012
    Date of Patent: April 16, 2019
    Assignee: Nasdaq Technology AB
    Inventor: Kandan Venkataraman
  • Patent number: 10262305
    Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
    Type: Grant
    Filed: May 18, 2018
    Date of Patent: April 16, 2019
    Assignee: United Services Automobile Association (USAA)
    Inventors: Charles Lee Oakes, III, Randy Ray Morlen, Bharat Prasad, Troy Bartlette Huth
  • Patent number: 10262362
    Abstract: One embodiment of a system for automatically generating code for attributes includes a credit bureau data that store stores credit bureau convention information and an attribute generation system that communicates with the credit data store to detect rules associated with respective credit bureaus.
    Type: Grant
    Filed: February 10, 2015
    Date of Patent: April 16, 2019
    Assignee: Experian Information Solutions, Inc.
    Inventors: Hua Hu, Luz M. Torrez
  • Patent number: 10262191
    Abstract: A document authentication system is configured to support enhanced services with advanced security features within a document and by linking information embedded in the document with a secure infrastructure.
    Type: Grant
    Filed: March 8, 2017
    Date of Patent: April 16, 2019
    Assignee: MorphoTrust USA, LLC
    Inventors: Robert Jones, Yecheng Wu, Stephen Miu
  • Patent number: 10263888
    Abstract: A sticky order routing system may include multiple order routers in communication with an electronic exchange for communicating transaction messages. Each of the order routers communicates transaction messages between multiple associated trading sessions and the electronic exchange, where of the associated trading sessions is assigned to the order router in communication with the electronic exchange. Transaction message traffic between the order routers and the electronic exchange is monitored, such as randomly, based on round-robin assignment, and/or trading data. In response to transaction message traffic exceeding a threshold, the trading session may be assigned to a new order router.
    Type: Grant
    Filed: September 30, 2010
    Date of Patent: April 16, 2019
    Assignee: Trading Technologies International, Inc.
    Inventor: Sagy Pundak Mintz
  • Patent number: 10262371
    Abstract: An automated system that analyzes network accessible data sources to determine a score that measures compliance of an investment with a compliance policy. The compliance policy may specify for example ESG (Environment, Social, or Governance) requirements, or prohibitions against selling of certain products and services considered undesirable or unethical by certain investors. Compliance analysis may determine the amount of revenue or income received from prohibited sources, or it may search information for key words and phrases related to these sources. The system may “purify” noncompliant investments by bundling them with charitable contributions that offset the income from prohibited sources. Fund managers may publish and share compliance policy definitions, and may import these shared definitions and customize them for their specific fund requirements.
    Type: Grant
    Filed: February 6, 2017
    Date of Patent: April 16, 2019
    Assignee: IDEALRATINGS, INC.
    Inventor: Mohamed Donia
  • Patent number: 10263953
    Abstract: Methods of the present inventions allow for generating and providing an enhanced domain name. An exemplary method may comprise providing an enhanced domain to a second party. The enhanced domain may comprise a domain name, a web space automatically enabled and associated with the domain name, and at least one application automatically enabled and associated with the domain name.
    Type: Grant
    Filed: June 15, 2017
    Date of Patent: April 16, 2019
    Assignee: GO DADDY OPERATING COMPANY, LLC
    Inventors: Nathan Curran, Justin Jilg
  • Patent number: 10262332
    Abstract: As part of an integrated banking platform, an internet banking platform includes a banking server, a processor, and a memory module. The memory module includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the banking server to receive access to a rewards program server associated with a rewards account platform. Further, the server is caused to receive enrollment information associated with a user, and to connect to the rewards program server. The server is also caused to transmit an enrollment request message to the rewards program server. The enrollment request message includes at least a subset of the enrollment information. Additionally, the server is caused to receive an enrollment response message that indicates whether the user has been enrolled in a rewards account maintained by the rewards account platform.
    Type: Grant
    Filed: October 30, 2014
    Date of Patent: April 16, 2019
    Assignee: San Diego County Credit Union
    Inventor: Ram Jaladi
  • Patent number: 10264137
    Abstract: A system to control usage of a subscription in a mobile device comprising: a plurality of subscriptions of at least two or more mobile networks; a subscription profile associated with each subscription; a UICC/eUICC/USIM/SIM card capable of switching among different networks; an applet running on the said SIM card; a server which communicates with the said mobile device through a network interface; a server process which stores identity and network related data of each subscription profile; stores network territory and coverage map; stores history of network drops and subscription profile switch events; stores quota-price-validity-bandwidth attached to each subscription profile; connects to the networks providing the subscription profile periodically, to retrieve, calculate and store actual usage and outstanding quota and validity for SMS, data and minutes for each subscription profile; connects to the SIM applet to receive information from the applet about network loss and network coverage; determines and st
    Type: Grant
    Filed: July 13, 2017
    Date of Patent: April 16, 2019
    Assignee: Sensorise Digital Services Pvt. Ltd.
    Inventors: Jonas Haggard, Sharad Arora
  • Patent number: 10255579
    Abstract: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.
    Type: Grant
    Filed: June 9, 2016
    Date of Patent: April 9, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rick Unnerstall
  • Patent number: 10255550
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for training and applying a machine learning model. One of the methods includes the actions of obtaining a plurality of data points associated with a specified object; using a machine learning model to generate a prediction from the obtained plurality of data points, the prediction indicating a likelihood that the object will satisfy a particular parameter and a predicted scope for the parameter, wherein the machine learning model is trained using a training set comprising a collection of data points associated with a labeled set of objects, the label indicating the particular parameter and value for each object of the training set; and based on the prediction, classifying the specified object according to a determination of whether the predicted scope satisfies a threshold value.
    Type: Grant
    Filed: June 7, 2017
    Date of Patent: April 9, 2019
    Assignee: States Title, Inc.
    Inventors: Maxwell Simkoff, Michael Housman
  • Patent number: 10255635
    Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.
    Type: Grant
    Filed: May 7, 2018
    Date of Patent: April 9, 2019
    Assignee: Winklevoss IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 10255636
    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: August 1, 2013
    Date of Patent: April 9, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Udesh Jha, Jalpan Shah, Dmitriy Glinberg, Edmund Li, Feliks Landa
  • Patent number: 10248995
    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 8, 2016
    Date of Patent: April 2, 2019
    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: 10249003
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 19, 2018
    Date of Patent: April 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10248979
    Abstract: Commission mappings for a content producer party are generated based on tracked interactions with distributed content by content consumer computers operated by a content consumer party. The distributed content originates from content producer computers operated by the content producer party. The tracked interactions are indicative of engagement with the distributed content by the content consumer computers. The commission mappings are transformed into an aggregated commission mapping for the content consumer party and the content producer party by correlating the commission mappings to the content consumer party and the content producer party and by processing correlated tracked interactions of the commission mappings into a quantified engagement of the content consumer party with the distributed content produced by the content producer party. The aggregated commission mapping is sent via a computer network to one or more computers operated by the content consumer party or the content producer party.
    Type: Grant
    Filed: May 11, 2015
    Date of Patent: April 2, 2019
    Assignee: Quantify Labs, Inc.
    Inventor: Blair Livingston
  • Patent number: 10248805
    Abstract: A database security tool includes a user interface, a retrieval engine, an authorization engine, an alert engine, and an update engine. The user interface receives a request to add a row to a table in a database. The retrieval engine retrieves an authorization table from the database. The authorization table is separate from the table and indicates a plurality of users who are authorized to edit the table. The authorization engine determines whether the plurality of users includes the user. The alert engine communicates an alert indicating that the user is not authorized to add the row to the table. The update engine communicates, to the database, an update request in response to a determination that the plurality of users includes the user. The row is added to the table in response to the update request.
    Type: Grant
    Filed: May 13, 2016
    Date of Patent: April 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Mitul S. Shah, Ruchi R. Jain
  • Patent number: 10243791
    Abstract: Provided are methods and systems for adjusting of 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: August 13, 2015
    Date of Patent: March 26, 2019
    Assignee: A10 Networks, Inc.
    Inventors: Gennady Dosovitsky, Kishore Inampudi
  • Patent number: 10235395
    Abstract: Financial data that contains a least one financial entry relating to procurement of goods, services, materials and/or items. The financial data is cleansed to remove information contained within the at least one financial entry. The keywords are determined within the at least one financial entry of the financial data and a database that includes a plurality of databases entries is searched for a database entry that corresponds to the keywords determined in the at least one financial entry of the financial data. An identification number in the database entry that corresponds to the keywords determined in the at least one financial entry of the financial data and updating the at least one financial entry of the financial data to include the determined identification number. The updated financial procurement data is transmitted to a computing device.
    Type: Grant
    Filed: March 28, 2016
    Date of Patent: March 19, 2019
    Assignee: International Business Machines Corporation
    Inventors: Sadikali Andikkad Perunthan, Santosh Das, Ram Gour, Vikas P. Manwatkar
  • Patent number: 10235704
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: December 30, 2013
    Date of Patent: March 19, 2019
    Assignee: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Patent number: 10236937
    Abstract: Communicating via near field communication (NFC) between a reader and an application on an NFC-enabled device. A point of sale (POS) device and a consumer's mobile communication device establish an NFC session in accordance with each of the protocol layers of both International Organization for Standardization (ISO)/International Electrotechnical Commission (IEC) 14443 and ISO/IEC 7816 standards. A commerce application executing on the consumer's mobile communication device at a protocol layer above the ISO/IEC 14443 and ISO/IEC 7816 standards communicates a plurality of NFC application protocol data units (APDUs) to the POS device. At least one such APDU includes a consumer identifier. The consumer identifier includes a portion identifying the commerce application.
    Type: Grant
    Filed: October 27, 2017
    Date of Patent: March 19, 2019
    Assignee: GOOGLE LLC
    Inventors: Anthony J. Sabetti, Jason S. Qian, Larry L. Bush
  • Patent number: 10235648
    Abstract: A method of assessing a risk level of an enterprise using cloud-based services from one or more cloud service providers includes assessing provider risk scores associated with the one or more cloud service providers; assessing cloud service usage behavior and pattern of the enterprise; and generating a risk score for the enterprise based on the provider risk scores and on the cloud service usage behavior and pattern of the enterprise. The risk score is indicative of the risk of the enterprise relating to the use of the cloud-based services from the one or more cloud service providers.
    Type: Grant
    Filed: January 31, 2018
    Date of Patent: March 19, 2019
    Assignee: Skyhigh Networks, LLC
    Inventors: Dejan Curcic, Rajiv Gupta, Kaushik Narayan, Prasad Raghavendra Somasamudram, Sekhar Sarukkai
  • Patent number: 10229453
    Abstract: A basket calculation engine is deployed to receive a stream of data and accelerate the computation of basket values based on that data. In a preferred embodiment, the basket calculation engine is used to process financial market data to compute the net asset values (NAVs) of financial instrument baskets. The basket calculation engine can be deployed on a coprocessor and can also be realized via a pipeline, the pipeline preferably comprising a basket association lookup module and a basket value updating module. The coprocessor is preferably a reconfigurable logic device such as a field programmable gate array (FPGA).
    Type: Grant
    Filed: January 11, 2008
    Date of Patent: March 12, 2019
    Assignee: IP RESERVOIR, LLC
    Inventors: David E. Taylor, Naveen Singla, Benjamin C. Brodie, Nathaniel Sutton McVicar, Justin Ryan Thiel, Ronald S. Indeck
  • Patent number: 10231254
    Abstract: An exemplary method includes determining, at a centralized processing apparatus of a wireless network, a first subset of downlink user plane data corresponding to one or more wireless user equipments at least by calculating input data required at each of one or more L1 PHY processing stages of a remote processing apparatus, wherein the first subset includes bits required by a remote processing apparatus to select a first symbol for transmission to the one or more user equipments at a first time slot; and streaming, via a fronthaul interface, the bits of the first subset followed by bits of one or more further subset of downlink user plane data, wherein the bits of the further subset of user plane data includes only the bits required to select by the remote processing apparatus a next symbol for transmission to the one or more of the wireless user equipments at a next time slot immediately following the first time slot.
    Type: Grant
    Filed: January 18, 2017
    Date of Patent: March 12, 2019
    Assignee: Nokia Technologies Oy
    Inventors: David Chen, Alan Rottinghaus, David Baietto, Yuda Luz
  • Patent number: 10229463
    Abstract: A system for analyzing liquidity data for a client of a financial services provider includes processor(s), at the financial services provider, configured to execute computer program module(s). The modules are configured to receive a request from the client to generate a liquidity analysis based on client account(s), and, upon receiving the request, execute on the processors of the system, module(s) configured to aggregate liquidity data from a plurality of financial subsystems of the financial services provider as aggregated liquidity data. The aggregated data includes cash flows in transactions associated with the client accounts in one or more of the financial subsystems. The modules are further configured to execute on the processors, module(s) configured to generate a graphical depiction of at least a portion of the aggregated liquidity data over a time interval, based on the request, and transmit, for displaying on an electronic display at the client, the graphical depiction.
    Type: Grant
    Filed: November 19, 2013
    Date of Patent: March 12, 2019
    Assignee: The Bank of New York Mellon
    Inventors: Michelle A. Palombo, Gregory P. Malosh
  • Patent number: 10231122
    Abstract: Approaches presented herein enable challenge-response authentication of a user based on information captured by a personal internet of things (IoT) device set associated with the user. Specifically, in one approach, a personal IoT device set comprising at least one device records and stores data associated with a user. The data is synchronized and stored to a computerized authentication system, which prompts the user with an authentication question based on the synchronized and stored data. The user may find an answer to the authentication question by reviewing data recorded and stored in the device of the personal IoT device set. The user may then enter the found answer to the authentication question, thereby authenticating the user. The personal IoT device set may comprise a single device or may comprise a plurality of devices, the information of one of which may be selected as the basis of the authentication question.
    Type: Grant
    Filed: April 27, 2015
    Date of Patent: March 12, 2019
    Assignee: International Business Machines Corporation
    Inventors: Rhonda L. Childress, Itzhack Goldberg, Boaz Mizrachi, Clifford A. Pickover, Neil Sondhi
  • Patent number: 10229455
    Abstract: A method for taking appropriate action on a credit report for an individual based on analysis of properties of at least some of the trade lines of the credit report. Upon accessing the credit report, each of at least some of the trade lines in the credit report are processed by 1) identifying one or more properties of the subject trade line, 2) performing one or more removal success rate estimations for similar trade lines having at least one like property compared to the subject trade line, and 3) calculating at least one removability index (e.g., an item removal difficulty index or an item removal speed index) for the subject trade line based on the removal success estimation(s). The calculated removability indices are then aggregated for multiple trade lines, and the course of action for the credit report as a whole is determined based on the removability indices.
    Type: Grant
    Filed: January 30, 2015
    Date of Patent: March 12, 2019
    Assignee: PROGREXION IP, INC.
    Inventor: Justin Randall Padawar
  • Patent number: 10229395
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for predictive determination and resolution of an exception located on a negotiable instrument. The exception may be an indicia that includes data related to the payor, payment accounts, or payee. An indicia may not be identified successfully and thus be queued for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative indicia points on a negotiable instrument that may result in a failure to match the check to an account for processing. Upon identifying an exception, the system retrieves historical transaction data associated with the resolved indicia. Subsequently, utilizing the resolved indicia, the system may determine a value for the exception identified based on the retrieved historical transaction data. Finally, the determined value may be stored with the negotiable instrument to complete the payment reconciliation process.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: March 12, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Michael Gerald Smith, James F. Barrett, II, Andrew Patrick Bastnagel, Joshua Allen Beaudry, Eric Dryer, Shawn Cart Gunsolley, Marshall Bright Thompson, Michael Matthew Wisser
  • Patent number: 10229396
    Abstract: A system and method for transaction Bitcoin is described. Bitcoin can be sent to an email address. No miner's fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of Bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A Bitcoin exchange allows for users to set prices that they are willing to sell or buy Bitcoin and execute such trades.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: March 12, 2019
    Assignee: Coinbase, Inc.
    Inventors: Roman Shtylman, Samo Drole
  • Patent number: 10223694
    Abstract: Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.
    Type: Grant
    Filed: September 9, 2014
    Date of Patent: March 5, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Oleg Makhotin, Hao Ngo, Christian Aabye, Kiushan Pirzadeh
  • Patent number: 10223751
    Abstract: A multivariate predictive system processes usage based data that includes a database engine that provides access to a plurality of database management systems that mine diverse sources of usage based data. A digital filter selectively filters data streams that include usage based data. A sampler automatically divides the filtered data into sample groups and stores the sample groups in a memory. The sampler divides the filtered data according to insurance rating variables processed by a processor programmed to underwrite an insurance product and rate that insurance product. Some samplers store the divided filter data in a local memory. A multiplier multiples rating factors preprogrammed with the insurance rating variables with a base rate of insurance to determine an insured's insurance premium.
    Type: Grant
    Filed: February 20, 2015
    Date of Patent: March 5, 2019
    Assignee: PROGRESSIVE CASUALTY INSURANCE COMPANY
    Inventors: Richard Hutchinson, William Everett, David Pratt, Raymond Ling
  • Patent number: 10216801
    Abstract: Techniques are disclosed for for prioritizing a plurality of clusters. Prioritizing clusters may generally include identifying a scoring strategy for prioritizing the plurality of clusters. Each cluster is generated from a seed and stores a collection of data retrieved using the seed. For each cluster, elements of the collection of data stored by the cluster are evaluated according to the scoring strategy and a score is assigned to the cluster based on the evaluation. The clusters may be ranked according to the respective scores assigned to the plurality of clusters. The collection of data stored by each cluster may include financial data evaluated by the scoring strategy for a risk of fraud. The score assigned to each cluster may correspond to an amount at risk.
    Type: Grant
    Filed: August 5, 2015
    Date of Patent: February 26, 2019
    Assignee: PALANTIR TECHNOLOGIES INC.
    Inventors: Matthew Sprague, Michael Kross, Adam Borochoff, Parvathy Menon, Michael Harris
  • Patent number: 10217166
    Abstract: Techniques for displaying market depth information for a financial instrument including a plurality of bid and ask order metrics at corresponding prices. A graphical representation of the market depth information, with axes corresponding to order metrics and price, is aligned with an expected profile, including an expected metric corresponding to one or more metrics including, for example, bid and ask order volume, order count, or order consideration, generated based on the market depth information. The graphical representation of the market depth information and the expected profile are displayed using a display device.
    Type: Grant
    Filed: April 10, 2014
    Date of Patent: February 26, 2019
    Assignee: FIDESSA PLC
    Inventors: Bruce Bland, Oleh Danyliv, Daniel Nicholass
  • Patent number: 10218719
    Abstract: Disclosed are systems and methods for providing protection against alteration of data, such as a credential, associated with a transaction. A first communication is received from a requesting system. The first communication includes a credential and corresponds to an indication that an extended-duration task is being initiated and a request to listen to a status of the credential. A device-listening data store is updated to associate the credential with an identifier associated with the requesting system. When an event is detected that indicates that the credential has been modified or cancelled, the device-listening data store is queried based on the credential. In response to the query, the identifier associated with the requesting device is received. A second communication is generated that corresponds to an alert that identifies a status of the credential as having been modified or cancelled. The second communication is transmitted to the requesting system.
    Type: Grant
    Filed: September 21, 2016
    Date of Patent: February 26, 2019
    Assignee: Apple Inc.
    Inventors: Timothy S. Hurley, David E. Brudnicki, Manoj K. Thulaseedharan Pillai
  • Patent number: 10217167
    Abstract: The SEASONAL PORTFOLIO CONSTRUCTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SPC”) transform user data request via SPC components into seasonal portfolio investment transaction records. In one implementation, the SPC may provide an investment analytics and management tool facilitating a user (e.g., investors, consumers, portfolio managers, traders, etc.) to research, build and maintain an investment strategy for a customized portfolio based on a current economic cycle phase.
    Type: Grant
    Filed: May 23, 2014
    Date of Patent: February 26, 2019
    Assignee: FMR LLC
    Inventors: Philip K. Thayer, Miles F. Betro, Lisa J. Emsbo-Mattingly
  • Patent number: 10218697
    Abstract: 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 of the first computing device; and performing, by the second computing device, an action (e.g., authorizing access to the service) based on the evaluation.
    Type: Grant
    Filed: June 9, 2017
    Date of Patent: February 26, 2019
    Assignee: LOOKOUT, INC.
    Inventors: Aaron Cockerill, David Richardson, Daniel Thanos, William Neil Robinson, Brian James Buck, Kevin Patrick Mahaffey
  • Patent number: 10217162
    Abstract: Some embodiments of the invention provide tools for promoting a user's financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being.
    Type: Grant
    Filed: June 16, 2017
    Date of Patent: February 26, 2019
    Assignee: Movencorp Inc.
    Inventors: Alexander Sion, Brett King, Mohamed Khalil
  • Patent number: 10217375
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene and a memory storing scenarios for a user. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and executes a scenario for the user. The virtual assessment engine identifies actions performed by the user related to the scenario. The virtual assessment engine sends a token with the user identifier and user action information to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.
    Type: Grant
    Filed: December 13, 2016
    Date of Patent: February 26, 2019
    Assignee: Bank of America Corporation
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Joseph N. Johansen, Darryl C. Goebel
  • Patent number: 10217165
    Abstract: Methods and systems for an exchange to handle variable derivative product order prices are disclosed. The price of a derivative product order (bid or offer) is updated based on changes in the price of a related underlying product. Price determination variable(s), such as delta and gamma, are used to determine the price of the order. The exchange may periodically recalculate the price without requiring the trader to transmit additional information to the exchange.
    Type: Grant
    Filed: January 22, 2018
    Date of Patent: February 26, 2019
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Scott Johnston, John Falck, Charlie Troxel, Jr., James W. Farrell, Agnes Shanthi Thiruthuvadoss, Arjuna Ariathurai, David Salvadori
  • Patent number: 10210566
    Abstract: Disclosed are method and apparatus that host auctions for completing payment transactions that benefit a party of the transactions. The technique transmits bidding invitations for completing a payment transaction to multiple payment processors. Among the received auction bids, the technique selects a winning bid from an individual payment processor that offers a best benefit to a party involved in the payment transaction (e.g., a consumer or a merchant). Through the auction process, the technique enables a cost-effective routing for completing the payment transaction.
    Type: Grant
    Filed: February 19, 2014
    Date of Patent: February 19, 2019
    Assignee: Square, Inc.
    Inventors: Jesse Dorogusker, Erik Bourget, Hunter Francoeur
  • Patent number: 10210513
    Abstract: Disclosed are an electronic payment method, system and device wherein, in a process for executing an electronic payment, a user's login information is verified in order to determine whether or not the user is a customer having excellent connection frequency, and then the buyer's payment means information and/or preferred payment means information is provided on the basis of the result of the determination, and thus the buyer is able to execute the payment in a more convenient manner.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: February 19, 2019
    Assignee: SK PLANET CO., LTD.
    Inventors: Won Jun Lee, Dong Phil Lim, Hye Youn Chung, Se Hyun Kim
  • Patent number: 10209085
    Abstract: Examples provided herein describe a navigation system to identify routes that take safety considerations into account. The system accesses safety data from various sources and computes safety data for individual road segments of a map database at multiple times for each road segment. The road segment safety data is used when determining routes for requested trips, including estimating the times that the various road segments on the route will be traversed and determining the safety of each road segment at that time.
    Type: Grant
    Filed: May 2, 2018
    Date of Patent: February 19, 2019
    Assignee: Uber Technologies, Inc.
    Inventors: Karna Chokshi, Meron Alon, Sangick Jeon
  • Patent number: 10210317
    Abstract: A mechanism is provided for verifying an identity of a user using dynamically generated questions based on transactions conducted by the user. Responsive to receiving a request to verify the identity of the user, one or more transaction based sources associated with the user are scanned for a set of transactions conducted by the user within a first predetermined time frame of a current time. A subset of transactions from the set of transactions are randomly selected as the basis for forming a set of questions to be used to verify the identity of the user. The set of questions are generated such that the user is required to identify one or more details about the subset of transactions in order to verify the user's identity. Responsive to the user correctly answering the one or more details about the subset of transactions, the user is authenticated.
    Type: Grant
    Filed: August 15, 2016
    Date of Patent: February 19, 2019
    Assignee: International Business Machines Corporation
    Inventors: Duncan S. Anderson, Oliver C. W. Blodgett, Timothy Durniak, Mikaela R. Moore, Martin Schmid
  • Patent number: 10210520
    Abstract: A co-processing fraud risk scoring system for scoring electronic payment transactions for potential fraud is described. Additionally, a method and a computer-readable storage medium for scoring electronic payment transactions for potential fraud are described.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Srinivasarao Nidamanuri, Daryl Hurt
  • Patent number: 10210490
    Abstract: Various aspects of a method and system for processing a monetary transaction are disclosed herein. The method includes registration, at a server, of a first virtual currency instrument that corresponds to a first account and one or more other virtual currency instruments that corresponds to one or more other accounts. The registered first virtual currency instrument is associated with a first value. The method further includes reception, at the server, of a redemption request of the registered first virtual currency instrument to process the monetary transaction. The received redemption request is higher than the first value associated with the registered first virtual currency instrument by an excess value.
    Type: Grant
    Filed: February 13, 2015
    Date of Patent: February 19, 2019
    Assignee: SONY CORPORATION
    Inventor: Thomas Ko
  • Patent number: 10210767
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and generates a target profile based on information from a user. The virtual assessment engine generates a token that includes the user identifier and the target profile and sends the token to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.
    Type: Grant
    Filed: December 13, 2016
    Date of Patent: February 19, 2019
    Assignee: Bank of America Corporation
    Inventors: Joseph N. Johansen, Katherine Dintenfass
  • Patent number: 10210509
    Abstract: A method for processing a payment transaction using a hybrid payment card includes: storing an account profile, the profile including data related to a hybrid payment card including a prepaid balance and a credit allowance; receiving a validation request, the request including a transaction amount; processing the received validation request, the processing including: generating a positive validation response and a validation transaction that indicates payment is made using the prepaid balance if the prepaid balance is greater than the transaction amount, generating a positive validation response and a validation transaction that indicates payment is made using the credit allowance if the prepaid balance is less than the transaction amount and if the credit allowance is greater than the transaction amount, and generating a negative validation response if the prepaid balance and credit allowance are less than the transaction amount; and transmitting the generated validation response.
    Type: Grant
    Filed: November 26, 2014
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Marina Acosta
  • Patent number: 10204141
    Abstract: A duplicate lead removal system comprises a matching engine, a vendor duplicates database, and a conflict engine. The matching engine is configured to determine at least one vendor to receive a lead. The vendor duplicates database is configured to store duplicate lead information that is at least partly created by and received from vendors outside of the duplicate lead removal system. The conflict engine is configured to compare information that is at least derived from the lead with information stored in the vendor duplicates database in order to determine if the lead is a duplicate lead for the vendor such that the system can prevent transmission of duplicate leads to the vendor.
    Type: Grant
    Filed: August 17, 2015
    Date of Patent: February 12, 2019
    Assignee: LMB MORTGAGE SERVICES, INC.
    Inventors: Stephen Semprevivo, Matt Wells
  • Patent number: 10204161
    Abstract: A method and apparatus for facilitating data management over a network are described. In one embodiment, a request to display aggregate transaction data for a user is received, the aggregate transaction data containing data related to multiple disparate transactions organized into categories based on corresponding category codes and transaction codes associated with each transaction. The aggregate transaction data are retrieved from a database. A report containing the aggregate transaction data is generated and displayed for the user in a user interface area.
    Type: Grant
    Filed: November 10, 2008
    Date of Patent: February 12, 2019
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Matthew Krakowiecki, Pearl Kolling, Jack Mackouse, Kevin Rhein, Elizabeth Hoople, Kathy Yee
  • Patent number: 10204518
    Abstract: Systems and methods are disclosed for identifying high risk parking lots. High risk parking lots may be, for example, parking lots that pose a higher than average risk of collisions and/or theft. Auto insurance claim data may be analyzed to identify hazardous areas. A virtual navigation of roads within the hazardous area may be identified. Public parking lots within the virtual navigation map may be defined, with each public parking lot determined as either in a hazardous area or not. A vehicle may be determined to be approaching or parking in a parking lot in a hazardous area, and a nearby public parking lot not associated with the hazardous area may be selected instead. A route from a current position to the nearby public parking lot may be generated, and the vehicle may be routed to the nearby public parking lot. As a result, collisions and thefts may be reduced.
    Type: Grant
    Filed: April 12, 2018
    Date of Patent: February 12, 2019
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: John A. Nepomuceno, Leo Nelson Chan, Steven C. Cielocha, Roxane Lyons, Matthew S. Megyese, William J. Leise, Jennifer Criswell Kellett, Kristopher Keith Gaudin, Jennifer L. Crawford, Jeremy Myers, Edward P. Matesevac, III, Rajiv C. Shah