Finance (e.g., Banking, Investment Or Credit) Patents (Class 705/35)
  • Patent number: 11429440
    Abstract: Intelligent orchestration of disaggregated applications includes identifying available processing resources capable of performing the disaggregated applications; triggering each of the available processing resources to query corresponding dependent processing resources of the available processing resources to provide service levels and pricing for performing the disaggregated applications according to class of service; selecting by a matching tool qualified processing resources from the available processing resources and the corresponding dependent processing resources based on the service levels and the pricing; executing a contract between an orchestration tool and each of the selected qualified processing resources; and upon execution of the contract, triggering the selected qualified processing resources to execute the disaggregated applications.
    Type: Grant
    Filed: April 8, 2019
    Date of Patent: August 30, 2022
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Thomas Golway, Sandeep Panda, Vinay Sahadevappa Banakar
  • Patent number: 11424930
    Abstract: Systems and methods for accessing account information are provided. For example, an indication to launch an application that may provide account information may be received. A determination may be made regarding whether the indication is an initial interaction with the application. If the indication is an initial interaction, one or more credentials may be received via an interface that may be displayed via the application. If the indication is not the initial interaction, a token may be accessed. A request that may include the credentials or token may then be generated and transmitted such that credentials or token may be used to authenticate a device that includes the application and a user thereof, a new token may be generated, and a response with the new token and/or account information may be transmitted. The account information may then be displayed by an interface of the application.
    Type: Grant
    Filed: May 22, 2012
    Date of Patent: August 23, 2022
    Assignee: Barclays Bank Delaware
    Inventors: Ryan Wesley Grier, Sr., Jeffrey Douglas Cardillo, Alexander Brown, Simon Ralph Dennis, James P. Kittridge, Ian David Sayers, Robert William Bethanis, Jr.
  • Patent number: 11422971
    Abstract: In an SDN environment, data is migrated after checking whether the data conforms to a legal system of a migration destination. A control device changes a communication setting between first and second servers based on migration destination information and migration source information received from the first server and SDN setting data on a communication setting of the SDN stored in advance. The first server receives data on the legal system and determines whether the data conforms to the legal system to thereby determine whether the data can be migrated, or not. The control device executes a change in the communication setting when it is determined that the migration is enabled from the first server. The first server transmits data stored in a first storage unit to the second server according to the changed communication setting and the data is stored in a second storage unit.
    Type: Grant
    Filed: June 6, 2016
    Date of Patent: August 23, 2022
    Assignee: HITACHI SYSTEMS, LTD.
    Inventor: Hiroshi Yamaguchi
  • Patent number: 11423482
    Abstract: A trust computer system comprises one or more processors; and non-transitory computer readable memory having stored thereon machine-readable instructions that, when executed by the one or more processors, cause the one or more processors to perform a method comprising: receiving a request for a blended digital math-based asset price for a basket of a plurality of digital math-based assets; requesting electronic digital math-based asset pricing data; receiving the electronic digital math-based asset pricing data; calculating a blended digital math-based asset price; storing the blended digital math-based asset price; accessing a plurality of prior blended digital math-based asset prices; aggregating the blended digital math-based asset price with the plurality of prior blended digital math-based asset prices; and applying the digital math-based asset price index for a benchmark for an instrument.
    Type: Grant
    Filed: March 15, 2021
    Date of Patent: August 23, 2022
    Assignee: Gemini IP, LLC
    Inventors: Cameron Howard Winklevoss, Tyler Howard Winklevoss, Evan Louis Greebel, Kathleen Hill Moriarty, Gregory Elias Xethalis
  • Patent number: 11423250
    Abstract: Systems and methods for forecasting cashflows across one or more accounts of a user disclosed. One example method may include retrieving a data set for each of a plurality of accounts from a database, constructing a graph including a plurality of nodes linked together by a multitude of edges, wherein each node identifies a time series value corresponding to one of the accounts, and each edge indicates a time series value of a corresponding set of transactions occurring between a corresponding pair of accounts, determining a plurality of constraints, determining a specified loss function based on the plurality of constraints, back-propagating a derivative of the specified loss function into a deep neural network (DNN) to determine a set of neural network parameters, forecasting, using the DNN, a time sequence for one or more of the nodes and one or more of the edges, and providing the forecasted time sequences to the user.
    Type: Grant
    Filed: November 19, 2019
    Date of Patent: August 23, 2022
    Assignee: Intuit Inc.
    Inventors: Sambarta Dasgupta, Sricharan Kallur Palli Kumar, Shashank Shashikant Rao, Colin R. Dillard
  • Patent number: 11422680
    Abstract: A method for executing workflows is provided. The method includes querying a workflow engine regarding an input parameter of a workflow, responsive to a selection from a portal to execute the workflow. The method includes generating a graphical user interface requesting a value of the input parameter and transmitting the graphical user interface to the portal for display. The method includes sending a workflow invocation request, with the value of the input parameter from the graphical user interface, to the workflow engine, wherein at least one method operation is performed by a processor. In some embodiments, a workflow execution framework is provided.
    Type: Grant
    Filed: May 22, 2014
    Date of Patent: August 23, 2022
    Assignee: EMC IP HOLDING COMPANY LLC
    Inventors: Akshaya Mahapatra, Vandana Rao, Nilay Chheda, Richard Kirchhofer, Michael Tan
  • Patent number: 11416803
    Abstract: Apparatus and associated methods relate to dynamically managing quality of a sample in a public display space. In an illustrative example, a sample quality profile (SQP) may be generated in response to a sample update signal. The sample update signal may, for example, originate from a physical product display location. The sample update signal may, for example include data from a sensor(s) configured to detect a physical attribute(s) corresponding to the sample. The SQP may, for example, correlate the at least one physical attribute with at least one sample quality metric(s) (SQM). A predetermined minimum quality criterion(s) (MQC) corresponding to the product, sample, and/or showcase may, for example, be retrieved and compared to the SQM. If the SQM does not meet the MQC, then a sample request signal may, for example, be generated. Various embodiments may, for example, advantageously maintain an attractive product sample for display to potential customers.
    Type: Grant
    Filed: November 6, 2021
    Date of Patent: August 16, 2022
    Inventor: Khai Gan Chuah
  • Patent number: 11410180
    Abstract: In an example embodiment, a method for updating a database with dimensional balancing comprises receiving a transaction request to transfer a portion of a first balance from the first balance to a second balance; determining a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance; moving the determined subset from the first balance to the second balance; and updating attributes of the moved subset in the second balance.
    Type: Grant
    Filed: June 25, 2020
    Date of Patent: August 9, 2022
    Assignee: Stripe, Inc.
    Inventors: Carl Jackson, Robert Ying, Usman Masood
  • Patent number: 11410132
    Abstract: Systems and methods for administering a workers' compensation (WC) claim include a non-transitory, tangible computer-readable storage medium including a WC claim processing program bearing instructions for performing a settlement strategy for WC claims. A processor is configured to execute the WC claim processing program. The WC claim processing program includes a Cost of Waiting (COW) calculating module configured to calculate a COW for a predetermined period of time after an Arrival of a Settlement Opportunity (ASO) of each of the population of seasoned WC claims using the seasoned WC claim financial data and a machine learning module configured to conduct a regression analysis of the population of seasoned WC claims to determine a WC claim characteristic comprising an adversely-developing predictor that the COW of an open WC claim will more likely develop adversely when the corresponding WC claim characteristic data of the open WC claim matches the adversely-developing predictor.
    Type: Grant
    Filed: August 3, 2015
    Date of Patent: August 9, 2022
    Assignee: AMERICAN INTERNATIONAL GROUP, INC.
    Inventors: Frank Schmid, Christopher Laws
  • Patent number: 11411881
    Abstract: User identities can managed at an organization level, instead of across multiple individual resource accounts. In a resource provider environment, access to various resources and services may require users to have identities with specific resource accounts. Users can instead be associated with organization accounts, or virtual accounts that are not associated with specific resources or services. The organization accounts are attached at the appropriate location(s) in an organizational hierarchy. A user having an organization account can project the identity in any sub-account in the organization hierarchy. This can include any lower-level resource account, or can child accounts under a relevant branch of the hierarchy. A user can validate against the organization account, and receive access to the relevant service or resources using the identity projected in the corresponding resource account.
    Type: Grant
    Filed: May 5, 2020
    Date of Patent: August 9, 2022
    Assignee: Amazon Technologies, Inc.
    Inventors: Conor Patrick Cahill, Jasmeet Chhabra, Daniel Stephen Popick
  • Patent number: 11410231
    Abstract: An electronic trading system is configured to create speculative orders based on real orders. The speculative order differs from the real order by the price, quantity, or the type of financial instrument. The match engine chooses one or more speculative orders in an attempt to predict the next real order. Even though processing multiple trades at the same time is impossible, the use of speculative orders can permit the match engine to perform the calculations involved with the trade and generate the messages associated with the trade ahead of time. If the prediction was correct and the next order received by the match engine corresponds to one of the speculative orders, some of the matching activity has already been performed. This in effect, allows the match engine to process trades more efficiently and increases the total trading volume that can be handled by the electronic trading system.
    Type: Grant
    Filed: September 15, 2014
    Date of Patent: August 9, 2022
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Stanislav Liberman, Michael H. Colligan, James Raitsev
  • Patent number: 11412591
    Abstract: The present disclosure discloses an inductive series switch control system. The control system includes several control modules that are connected in series, a first output inductive switch, and a second output inductive switch. Each control module is independently connected with an output interface, and each output interface is connected to a light-emitting diode (LED)lamp of a stair lamp; every two adjacent control modules are connected through three lines that are respectively a positive circuit, a negative circuit, and a signal circuit; the first output inductive switch is electrically connected to the first control module in the serially connected control modules; the second output inductive switch is electrically connected to the last control module in the serially connected control modules; and the positive circuit and the negative circuit between any two control modules are connected to a power input end.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: August 9, 2022
    Inventor: Rui Li
  • Patent number: 11410254
    Abstract: A method and a system for assessing hazard risks associated with geographical locations are provided. The server receives information associated with a geographical location from a user device. The server identifies a hazard associated with the geographical location based on the historical hazard data. The server retrieves one or more files associated with the hazard. The server determines a first risk score for the geographical location based on at least the one or more files or a first set of rules associated with the hazard. The server determines a second risk score for the geographical location based on at least the one or more files or a second set of rules associated with the hazard. The server determines the second risk score when a criterion associated with the hazard is met. The server communicates at least one of the first risk score or the second risk score to a user.
    Type: Grant
    Filed: February 21, 2018
    Date of Patent: August 9, 2022
    Assignee: Guidewire Software, Inc.
    Inventors: John C. Siegman, Brady Foust, Robert Frady
  • Patent number: 11411910
    Abstract: A video content sharing network functions as an inferred digital social network. Consent is obtained from a plurality of users of at least one digital social network to participation in the video content sharing network. Information is automatically obtained from the digital social network for the users, through a plurality of respective communication channels, which can be application program interfaces or covert or subliminal channels. The information includes link information between each of the users and other individuals in the digital social network. Each of the users is enabled to share content including video content, to send and receive message information with other users, to view profile information of other users, and to view social contact information of other users, through the video content sharing network.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: August 9, 2022
    Inventor: Frank A. Serena
  • Patent number: 11410062
    Abstract: The present teaching generally relates to removing perturbations from predictive scoring. In one embodiment, data representing a plurality of events detected by a content provider may be received, the data indicating a time that a corresponding event occurred and whether the corresponding event was fraudulent. First category data may be generated by grouping each event into one of a number of categories, each category being associated with a range of times. A first measure of risk for each category may be determined, where the first measure of risk indicates a likelihood that a future event occurring at a future time is fraudulent. Second category data may be generated by processing the first category data and a second measure of risk for each category may be determined. Measure data representing the second measure of risk for each category and the range of times associated with that category may be stored.
    Type: Grant
    Filed: December 19, 2017
    Date of Patent: August 9, 2022
    Assignee: YAHOO AD TECH LLC
    Inventors: Liang Wang, Angus Xianen Qiu, Shengjun Pan
  • Patent number: 11410181
    Abstract: Provided techniques manage and predict future events. For example, in a payment implementation, a supplier, at any given point in time, has multiple customer debtors that may owe payments (e.g., have outstanding invoices). Utilizing historical attributes for a given customer debtor payment predictions may be determined. By analyzing outstanding debts associated with this debtor customer an amount owed may be calculated and a predicted payment (e.g., a payment that has not yet been indicated by that debtor customer) created. Events may be provided to a second system to correlate predictions across multiple debtor collectors. Correlated information may be used to predict cash flow needs of an organization. Alternatively, optimization of help desk systems may be provided based on predictions from analysis of multiple events in an Event-driven feed back system. Provided techniques may be generalized to other applications as well.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: August 9, 2022
    Assignee: HighRadius Corporation
    Inventors: Vishal Shah, Sonali Nanda, Srinivasa Jami
  • Patent number: 11403701
    Abstract: Systems, method, apparatuses, and software are described for automatically detecting defects in financial transactions, automatically determining resolutions to the defects based on historical defect patterns, an interacting with customers to provide information and/or receive instructions regarding defects and how they should be resolved.
    Type: Grant
    Filed: November 30, 2020
    Date of Patent: August 2, 2022
    Assignee: Bank of America Corporation
    Inventors: Shiva-Sanjay Bhakta, Jeffrey R. Goertz, Kerry Michelle Cantley, Eric Dryer, James W. Stark, III, Mike Stoll, Tim Gauvin, Geoffrey R. Williams, Krishna Kota
  • Patent number: 11403721
    Abstract: Systems and methods for determining a boundary from evaluation records for objects are disclosed. In some embodiments, evaluation records for objects (e.g., appraisal records for real estate properties) are accessed. The evaluation records can be used to identify objects with similar characteristics. By representing objects identified as nodes in a graph, edges between nodes representing the identified objects can be established. A network generated from the nodes and edges can be used to identify a boundary comprising objects having similar characteristics.
    Type: Grant
    Filed: July 24, 2020
    Date of Patent: August 2, 2022
    Assignee: CoreLogic Solutions, LLC
    Inventors: Matt Cannon, Wei Liu, Jon Wierks
  • Patent number: 11405382
    Abstract: In accordance with embodiments disclosed herein, there are provided methods and systems for implementing a web-based life management platform with user created electronic communications triggered upon future events supported by a processor and a memory to execute such functionality.
    Type: Grant
    Filed: June 23, 2020
    Date of Patent: August 2, 2022
    Inventors: Kenneth York, Scott Mary, James Aschoff
  • Patent number: 11403366
    Abstract: Methods of providing data to a user including receiving a page request from the user for a database to provide a sub-set of data from a dataset. The method further including sending a publish request from the database to a publisher, publishing the dataset from the publisher to the database, preparing the sub-set of data in the page request in the database, and sending the sub-set of data in the page request to the user.
    Type: Grant
    Filed: September 30, 2018
    Date of Patent: August 2, 2022
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Sudhakar Mohan, Aslam Khan, Michael Zayats
  • Patent number: 11403682
    Abstract: This application relates to apparatus and methods for identifying anomalies within data, such as pricing data. In some examples, a computing device receives data updates and selects a machine learning model to apply to the data update. The computing device may train the machine learning model with features generated based on historical purchase order data. An anomaly score is generated based on application of the machine learning model. Based on the anomaly score, the data update is either allowed, or denied. In some examples, the computing device re-trains the machine learning model with detected anomalies. In some embodiments, the computing device prioritizes detected anomalies for further investigation. In some embodiments, the computing device identifies the cause of the anomalies by identifying at least one feature that is causing the anomaly.
    Type: Grant
    Filed: May 30, 2019
    Date of Patent: August 2, 2022
    Assignee: Walmart Apollo, LLC
    Inventors: Jagdish Ramakrishnan, Elham Shaabani, Chao Li, Matyas A. Sustik
  • Patent number: 11403920
    Abstract: A method of using a kiosk to dispense funds, a portion of which has a value less than the value of the lowest form of currency the kiosk dispenses. The method may include receiving information at the kiosk identifying a source for the funds and transmitting a request to a host computer to verify the source for the funds. The method may include receiving at the kiosk a verification of the funds and displaying on a display screen an amount of funds available for payment. The method may include receiving at the kiosk a request from a user to remit a first portion of the amount of funds in a first form, wherein the first form is selected from a group consisting of paper currency, money order, credit to an account, and credit to a stored value card.
    Type: Grant
    Filed: June 24, 2019
    Date of Patent: August 2, 2022
    Assignee: The Western Union Company
    Inventors: Paul A. Blair, Kenneth Algiene, Mark Thompson
  • Patent number: 11403668
    Abstract: Multitask learning is applied to predict a customer's propensity to purchase an item within a particular category of items. Then, the network is tuned using transfer learning for a specific promotional campaign. Retail revenue and promotional revenue are jointly optimized, conditioned on customer trust. Accordingly, a particular promotional program may be selected that is specific to the user.
    Type: Grant
    Filed: September 16, 2020
    Date of Patent: August 2, 2022
    Assignee: Target Brands, Inc.
    Inventors: Venkataramana Bantwal Kini, Shilad Sen
  • Patent number: 11403376
    Abstract: A system, a medium, and a method involve a communication interface of a server device that receives first activity data associated with a first activity of an account and second activity data associated with a second activity of the account. A processor of the server device determines a first location of the first activity from the first activity data and a second location of the second activity from the second activity data. An authentication circuit of the server device determines a first authentication of the first activity based at least on the first activity data. The authentication circuit determines a second authentication of the second activity based on at least one of the first authentication, the first location, and the second location. A transmitter of the communication interface transmits an indication of the second authentication to a client device.
    Type: Grant
    Filed: July 19, 2019
    Date of Patent: August 2, 2022
    Assignee: PAYPAL, INC.
    Inventors: David Edward Eramian, Michael Charles Todasco, Sumeet Ahuja
  • Patent number: 11397985
    Abstract: An integrated order management engine is disclosed that reduces the latency associated with managing multiple orders to buy or sell a plurality of financial instruments. Also disclosed is an integrated trading platform that provides low latency communications between various platform components. Such an integrated trading platform may include a trading strategy offload engine.
    Type: Grant
    Filed: July 25, 2018
    Date of Patent: July 26, 2022
    Assignee: EXEGY INCORPORATED
    Inventors: David Taylor, Scott Parsons
  • Patent number: 11392953
    Abstract: An analytics computing system for analyzing payment transaction data to identify merchants having a recurring payment program is provided. The analytics computing system is configured to receive first payment transaction data for a plurality of transactions associated with a merchant, generate an actual transaction amount distribution, compare the actual transaction amount distribution to a stored model distribution, compare an angle distance to a predefined threshold value, and identify whether the merchant is a merchant performing recurring payment transactions. The analytics computing system is also configured to store that the merchant is a recurring payment merchant and alert an analyst that the merchant is a recurring payment merchant by transmitting an alert message to a user computing device in communication with the analytics computing device.
    Type: Grant
    Filed: August 31, 2020
    Date of Patent: July 19, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Joshua A. Allbright, Christopher John Merz
  • Patent number: 11392954
    Abstract: A multi-task hierarchical machine learning model is configured to perform both a decision task to predict a decision result and an explanation task to predict a plurality of semantic concepts for explainability associated with the decision task, wherein a semantic layer of the machine learning model associated with the explanation task is utilized as an input to a subsequent decision layer of the machine learning model associated with the decision task. Training data is received. The multi-task hierarchical machine learning model is trained using the received training data.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: July 19, 2022
    Inventors: Vladimir Balayan, Pedro dos Santos Saleiro, Catarina Garcia Belém, Pedro Gustavo Santos Rodrigues Bizarro
  • Patent number: 11393020
    Abstract: In an aspect, the present application describes a method including: obtaining account data associated with an account; passing at least some of the account data through a non-sufficient funds classifier, the non-sufficient funds classifier being a machine learning classifier configured to classify the account as either likely to have a non-sufficient funds event or unlikely to have a non-sufficient funds event, the machine learning classifier configured to evaluate a plurality of parameters associated with the account data; in response to determining that the account is likely to have a non-sufficient funds event, forecasting a balance for the account, wherein forecasting the balance for the account includes; and providing, to a client device associated with the account, a notification based on a forecasted balance.
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: July 19, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Sangeeta Mathew, Darius Braziunas, Arthur Carroll Chow, Ling Tao, Arun Victor Jagga
  • Patent number: 11386435
    Abstract: An identification and assessment system that flags business entities that are current or future Third Party Intermediaries and provides compliance risk ratings In at least one embodiment, the system is configured for TPI identification to enable companies to optimize compliance efforts, for example, effective anti-bribery and anti-corruption compliance. The system is configured to identify TPI likelihood and General Compliance Risk Rating to enable businesses to setup anti-bribery and anti-corruption (ABAC) strategies to focus on those high-risk TPIs, perform due diligence, and mitigate compliance risk.
    Type: Grant
    Filed: January 18, 2018
    Date of Patent: July 12, 2022
    Assignee: THE DUN AND BRADSTREET CORPORATION
    Inventors: Jingtao Jonathan Yan, Nipa Basu, Alla Kramskaia
  • Patent number: 11386418
    Abstract: In one embodiment, a method includes associating, by a payment service and in a datastore maintained by the payment service, interactions with a matrix barcode with an action by the payment service involving a first account associated with a first user of the payment service. The matrix barcode corresponds to a claimable token stored in the datastore. The method includes receiving, by the payment service and from a computing device of a second user of the payment service, an indication that the computing device has interacted with the matrix barcode corresponding to the claimable token. The method includes identifying, by the payment service via the datastore, the claimable token associated with the matrix barcode. The method includes initiating, by the payment service and based on the claimable token, the associated action involving the first account.
    Type: Grant
    Filed: November 27, 2019
    Date of Patent: July 12, 2022
    Assignee: Block, Inc.
    Inventors: Ashutosh Sham Dhodapkar, Dino Dai Zovi
  • Patent number: 11386487
    Abstract: Disclosed is a system for scoring customers of a financial institution based on financial data. The system includes a central database that stores a plurality of modules, a central server that processes the plurality of modules and a display unit that displays the processed plurality of modules. The plurality of modules includes a criteria configuration module, a data module, and a computation module. The criteria configuration module includes a metric module to receive the input parameters required to evaluate the score, and a measurement module for defining transformation criteria to be applied on the data corresponding to the input parameters. The computation module includes a metric evaluation module to compute and applies the transformation criteria to the values of the input parameters, and a scoring module coupled to the metric evaluation module to automatically compute and display the score of the customers based on the values retrieved from the metric evaluation module.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: July 12, 2022
    Assignee: Bottomline Technologies, Inc.
    Inventor: Anirban Sinharoy
  • Patent number: 11386486
    Abstract: The disclosed embodiments relate to computing a forward interest rate for a select future time period subsequent to a current date, such as 1 month, 3 month, 6 month or 12 month term, utilizing data observed or otherwise derived from the trading of futures contracts having short term interest rate based underliers, e.g. based on overnight interest rates, and, in one embodiment, are integrated with an electronic transaction processing system, e.g. an electronic trading system, to access data indicative of the trading thereof, and therefore avoid reliance upon subjective/opinion inputs. Generally, the disclosed embodiments generate a model of expected interest rates for every day of the time period for which a forward interest rate is desired based on a set of interest rate futures contract whose expiration periods cover the period.
    Type: Grant
    Filed: April 16, 2018
    Date of Patent: July 12, 2022
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Mark Andrew Rogerson, Kimberly Joy Eyers, David Edward Bixby, Jr., Agha Irtaza Mirza
  • Patent number: 11386332
    Abstract: An optimization calculation method includes: generating, by a computer, current generation individuals with a selected previous generation individual as a parent individual; evaluating each current generation individual by using a predetermined evaluation function; calculating a current generation constraint condition value based on a previous generation constraint condition value and a constraint condition provisional value which is achieved by more than half of the current generation individuals; determining whether a result of the evaluation for each current generation individual satisfies the current generation constraint condition value; determining a predetermined offset based on an attribute of each individual, which is generated by a mutation generating process, among individuals having the evaluation results satisfying the current generation constraint condition value; and adding the predetermined offset to a random number used to generate each next generation individual by the mutation generating pr
    Type: Grant
    Filed: October 23, 2019
    Date of Patent: July 12, 2022
    Assignee: FUJITSU LIMITED
    Inventor: Satoshi Shimokawa
  • Patent number: 11379886
    Abstract: Systems and methods may incorporate machine learning techniques to evaluate the extent of damage caused to vehicles involved in an accident. The system will receive photos of a vehicle involved in an accident and retrieve data from a number of different sources and use the data to calculate the cost of repair for the vehicle. Data sources can include information of vehicles involved in similar accidents, information of similar vehicles involved in accidents, virtual reality models of vehicles obtained from a database provided by the manufacturer, etc. The system will continuously update machine learning algorithms by comparing calculated damage to actual repair costs and further update the appropriate databases.
    Type: Grant
    Filed: August 11, 2017
    Date of Patent: July 5, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Brian Mark Fields, Lee Marvin John Assam
  • Patent number: 11379887
    Abstract: Embodiments for valuing patents by one or more processors are described. A plurality of patents are analyzed with a first patent valuation model and at least a second patent valuation model. A selection of a filter of the results of said analysis of the plurality of patents with the first patent valuation model and the at least a second patent valuation model is detected. A list of some of the plurality of patents is generated based on said analysis of the plurality of patents with the first patent valuation model and the at least a second patent valuation model and the selected filter of the results of said analysis of the plurality of patents with the first patent valuation model and the at least a second patent valuation model.
    Type: Grant
    Filed: August 3, 2018
    Date of Patent: July 5, 2022
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Thomas J. Fleischman, Sue Hallen
  • Patent number: 11379823
    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method sends to a set of givers a set of respective invitations to contribute to a group gift, wherein the group gift is associated with a policy, a person, and a payment account associated with the person that existed prior to sending the set of respective invitations. The system identifies a contribution to the group gift from one of the set of givers, wherein when the person makes a qualifying transaction using the payment account according to the policy, a gift amount associated with the group gift is applied from various giver accounts. Then the system updates at least one of the set of respective invitations sent to the set of givers based on the contribution.
    Type: Grant
    Filed: November 12, 2019
    Date of Patent: July 5, 2022
    Assignee: GiftYa LLC
    Inventors: Thomas M. Isaacson, Ryan C. Durham, Jason Wolfe, Patrick Ledbetter, Adam Ludwig
  • Patent number: 11379775
    Abstract: Systems and methods of the present disclosure enable user-level activity recordation using population level activity data by receiving operator data including a record of activities performed by users on an operator system. Each entry in the record of activities is parsed to form structured activity entries representing each activity executed on the operator system. Each entry in the record of activities is matched to an individual account in an account database based on an individual identifier of each entry and an account individual identifier identifying the individual account. A statistical metric representing the activity history of the individual account is produced based on each entry matched to the individual account, and an activity history dashboard is displayed on an operator computing device to depicts the statistical metric for the individual account.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: July 5, 2022
    Assignee: BankCard Services, LLC
    Inventor: Hanan Sabri
  • Patent number: 11379721
    Abstract: Disclosed are systems and methods for training and executing a neural network for collaborative monitoring of resource usage metrics. For example, a method may include receiving user data sets, grouping the user data sets into one or more clusters of user data sets, grouping each of the one or more clusters into a plurality of subclusters, for each of the plurality of subclusters, training the neural network to associate the subcluster with one or more sequential patterns found within the subcluster, grouping the plurality of user data sets into a plurality of teams, receiving a first series of transactions of a first user, inputting the first series of transactions into the trained neural network, classifying, using the trained neural network, the first user into a subcluster among the plurality of subclusters, generating a metric associated with the first series of transactions, generating a recommendation to the first user.
    Type: Grant
    Filed: April 15, 2020
    Date of Patent: July 5, 2022
    Assignee: Capital One Services, LLC
    Inventors: Reza Farivar, Jeremy Goodsitt, Fardin Abdi Taghi Abad, Austin Walters, Mark Watson, Anh Truong, Vincent Pham
  • Patent number: 11379911
    Abstract: A system is provided for supporting cash currency exchange. The system included a server, a first client requesting cash-currency-exchange service, and at least one second client providing the cash-currency-exchange service. The first client sends an exchange-service request of cash currency to the server. The server receives the exchange-service request, obtains the at least one second client, and pushes an exchange-service item corresponding to the exchange-service request to the at least one second client. The second client receives the exchange-service item, and sends a confirmation response to the server. The server pushes information about the at least one second client sending the confirmation response to the first client; and the first client displays the obtained information about the second client, determines a second client as a target client, and triggers an eWallet of the first client to transfer a specified amount to an eWallet of the target client.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: July 5, 2022
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Shengpeng Chen, Hao He, Chao Guo, Huaxiao Liu
  • Patent number: 11379842
    Abstract: Certain aspects of the present disclosure provide techniques for detecting fraudulent transactions in a transaction processing system. An example method generally includes receiving a request to process a transaction. An input data set including a vector representing the transaction and a plurality of vectors representing historical transactions is generated. The input data set is divided into a plurality of ragged tensors corresponding to non-overlapping time segments of variable length and having a plurality of vectors associated with dates within each time segment A reduced input data set is generated by generating, for each respective ragged tensor of the plurality of ragged tensors, a respective representative vector using max pooling over vectors in the ragged tensor. A fraudulent transaction score is generated based on the reduced input data set using a fraud detection model. The transaction is processed based, at least in part, on the fraudulent transaction score.
    Type: Grant
    Filed: April 7, 2020
    Date of Patent: July 5, 2022
    Assignee: INTUIT INC.
    Inventors: Henry Venturelli, Runhua Zhao, Damayanti Sengupta, Nicholas John Stang, Zeyu Li
  • Patent number: 11381467
    Abstract: Disclosed is a method for generating synthetic data from an aggregate dataset related to a plurality of entities. The method comprises defining a set of personas, selecting a network generation model, defining a network topology and generating the synthetic data. The set of personas is defined based on a number of the plurality of entities and/or a type of at least one of the plurality of entities. The network generation model is selected based on the defined set of personas and the aggregate dataset related thereto. The generated network topology comprises nodes and links between nodes using the selected network generation model. The node represents one of the personas in the set of personas. The link between two nodes represent one or more transactions between the personas represented by the two nodes. The generated synthetic data is based on information about distribution of the one or more transactions.
    Type: Grant
    Filed: September 16, 2020
    Date of Patent: July 5, 2022
    Inventors: Kimmo Soramäki, Samantha Cook, Lubos Pernis
  • Patent number: 11373161
    Abstract: A post-paid transaction data processing method includes: receiving risk search information via a wireless or wired interface, the risk search information including a transaction amount and a transaction user identifier of a post-paid transaction; acquiring, according to the transaction user identifier, a payment channel corresponding to the transaction user identifier; determining a predictive affordable value of the payment channel for the transaction amount based on the payment channel and the transaction amount; and determining a default evaluation result of the post-paid transaction according to the predictive affordable value.
    Type: Grant
    Filed: November 24, 2020
    Date of Patent: June 28, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Jun Wang
  • Patent number: 11373190
    Abstract: The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for false positive reduction in abnormality detection models. A date and time of a first transaction by a transaction entity and associated with a transaction characteristic can be stored. Data representing subsequent transactions associated with the transaction characteristic can be stored. A history marker profile specific to the transaction characteristic and transaction entity can be generated and can include the transaction characteristic, the date and time of the first transaction, and maximum and mean abnormality scores. A date and time of a current transaction can be determined. A current abnormality score for the current transaction can be received. A tenure of the observed transaction characteristic can be computed.
    Type: Grant
    Filed: December 23, 2019
    Date of Patent: June 28, 2022
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Scott M. Zoldi, David Griegel
  • Patent number: 11367136
    Abstract: Systems and methods are disclosed that provide real-time pre-trade risk assessments for multiple parties. In one embodiment, a Programmable Logic Device (PLD) may be embedded within an Automated Trading Systems (ATS) architecture by utilizing the Intel socket G or the PCIe interface to provide pre-trade risk functionality. The system may also provide a method for interacting with the ATS DRAM or L1 cache to provide faster access to orders in ATS memory for PLDs. The system may use the Quick Path Interconnect between an embedded processor and a PLD to transfer memory maps. The system may also add additional libraries to an ATS processor to accelerate the transfer or memory maps to a PLD. The system also may use system interrupts to cancel erroneous orders within an ATS processor from a PLD housed within the same physical architecture.
    Type: Grant
    Filed: October 30, 2019
    Date of Patent: June 21, 2022
    Assignee: FIXNETIX LIMITED
    Inventors: Marcus Perrett, Paul Ellis, Hugh Hughes
  • Patent number: 11367141
    Abstract: Methods and systems are provided for predicting and forecasting loss metrics for insurance. One or more models are created to generate development curves to predict ultimate losses for aggregations of long-tail losses, such as bodily injury claim payouts based on the first few months of payout data and other relevant variables. The relevant variables include internal data about policyholders and claims, and external data. Historical data, including potential influential variables and a target, are used to train a predictive development model. The variables are pre-processed and aggregated to an accident-month granularity, then feature reduction techniques are applied to determine the variables that exert the most influence on the target. Dimensionality reduction techniques are then applied to the remaining variables. The most influential variables and the variables created by dimension reduction are used as the input features to train the development model.
    Type: Grant
    Filed: December 31, 2019
    Date of Patent: June 21, 2022
    Assignee: DataInfoCom USA, Inc.
    Inventors: Wensu Wang, Chun Wang, Kuikui Gao, Wanli Cheng
  • Patent number: 11367005
    Abstract: An optimization calculation method includes, generating individuals of a present generation with an individual selected in a previous generation as a parent individual using an algorithm for obtaining optimum solutions while evolving a plurality of individuals for each generation, evaluating each individual of the present generation, setting a constraint condition value of the present generation based on a constraint condition value of one generation before with respect to the present generation, and a constraint condition provisional value achieved by a half or more of individuals used for generating child individuals of a next generation, determining whether an evaluation result of each individual satisfies a constraint condition value of the present generation, changing for lowering an evaluation result of individuals which do not satisfy the constraint condition value of the present generation, and selecting individuals to be solution candidates from among individuals on which the determination or change
    Type: Grant
    Filed: April 4, 2019
    Date of Patent: June 21, 2022
    Assignee: FUJITSU LIMITED
    Inventor: Satoshi Shimokawa
  • Patent number: 11367082
    Abstract: Systems, methods, and storage media for providing information relating to suspicious financial activities to investigative agencies are disclosed. Exemplary implementations may: receive a digital access token from a financial institution; cause an application programming interface to be displayed on a computing device corresponding to the financial institution in response to receipt of the digital access token; receive case information from the financial institution create a case corresponding to the access token and the case information; determine one or more relevant investigative agencies for receiving a report based on the case information; retrieve a data model corresponding to each relevant investigative agency; and file a Suspicious Activity Report based on the case information in each of the one or more relevant jurisdictions in correspondence with the access token.
    Type: Grant
    Filed: September 17, 2019
    Date of Patent: June 21, 2022
    Assignee: HUMMINGBIRD REGTECH INC.
    Inventors: Joseph Loree Robinson, Jesse Lee Reiss, Ryan Thomas Gerard, Matthew Van Buskirk
  • Patent number: 11367145
    Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for conducting collaborative real-time inspections of insured properties. The system may include several workstations, each operated by a different user with a respective role in processing an insurance claim. The system also may include a server system configured to receive an indication of an insured property to be inspected by users at the workstations using an unmanned aerial vehicle (UAV) configured to collect aerial imagery, provide, substantially in real time during an inspection session, aerial imagery of the insured property to each of the workstations, receive, substantially in real time during the inspection session, information related to the insured property being inspected from the workstations, and generate a database record descriptive of the inspection session. The aerial imagery may be used to verify dimensions of insured homes or estimate home damage resulting from fire, wind, hail, water, or hurricanes.
    Type: Grant
    Filed: March 2, 2021
    Date of Patent: June 21, 2022
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Stuart D. Kenney
  • Patent number: 11367088
    Abstract: The invention relates to a computer-implemented system and method for providing data science as a service (DSaaS) using a real time data prediction contest. The method may comprise the steps of presenting a consumer interface via a network that allows a data consumer to identify a subject data source having data fields that can be predicted; and presenting a participant interface via the network that allows a participant to select a competition in which to participate and provides a web services interface enabling the participant to provide web services that can be called by the web services interface. The web services provide a prediction of the at least one data field, and the web services are permitted to utilize external data sources in generating the prediction. The prediction can then be transmitted via the network to the consumer.
    Type: Grant
    Filed: February 17, 2017
    Date of Patent: June 21, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventor: Peter Cotton
  • Patent number: 11367147
    Abstract: Various examples are directed to systems and methods for providing location-specific financial information to a user. A geographic data system may receive a social media data feed and an e-mail feed. The geographic data system may extract theme data from at least one of the social media feed data or the e-mail data and select a first user expense category based at least in part on the theme data. The geographic data system may receive from an application executing at a user computing device location data indicating a first geographic location and generate a location-specific user expense based at least in part on the first user expense category and the location data. The geographic data system may generate a graphical user interface comprising a map including the first geographic location and an indication of the location-specific user expense.
    Type: Grant
    Filed: September 30, 2020
    Date of Patent: June 21, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kanwaljit Khurana, Amy L. Jucoski