Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
  • Patent number: 10997583
    Abstract: Temporarily provisioning card on file payment functionality to proximate merchants is described herein. A point-of-sale (POS) application executable by a POS device associated with a merchant can store an identifier associated with payment data corresponding to a payment instrument of a customer for use in future transactions with the customer. A payment processing service can determine other merchant(s) that subscribe to services of the payment processing service are participating in an event with the merchant and can receive a request to provision the payment data to the other merchant(s) to enable the other merchant(s) to use the identifier to complete transaction(s) with the customer without requiring the customer to present the payment instrument in association with the transaction(s). The payment processing service can provision the identifier to other POS device(s) of the other merchant(s) for temporarily storing the identifier on individual POS devices of the other POS device(s).
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: May 4, 2021
    Assignee: Square, Inc.
    Inventors: Shane Blackie, Prashan Dharmasena, Justin McKibben
  • Patent number: 10991231
    Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal evaluation process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the evaluation process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: April 27, 2021
    Assignee: Bank of America Corporation
    Inventors: Maria Carolina Barraza Enciso, Katherine Dintenfass, Elena Kvochko, Monika Kapur
  • Patent number: 10991058
    Abstract: Methods for conducting property inspections and property inspection systems that include: a computer having a memory configured to store a program and a processor to execute the program; a project template generator adapted to provide a plurality of inspection projects, each inspection project including a plurality of inspection locations based on a property floor plan and a plurality of possible defects relating to an inspection location; a camera in communication with the computer, the camera adapted to capture an image of a defect with a property and store the image in the memory; and, an image association program executed by the processor configured to associate an image with a project, an inspection location, and a defect related to the inspection location.
    Type: Grant
    Filed: September 25, 2018
    Date of Patent: April 27, 2021
    Inventors: James Howe, Norman Aleman
  • Patent number: 10990698
    Abstract: The invention relates to data protection means and can be used for cooperative computing by two or more parties without revealing to each other the private data used. The technical result is to ensure the privacy of large amounts of data belonging to different parties, and to reduce the amount of memory secured from unauthorized reading during computations. Such an effect is achieved due to forming the first and the second private datasets, where the first and the second private datasets use user identifiers, wherein the first private dataset contains user ratings matched to the user identifiers, and the second private dataset, for each of the user identifiers, contains an array of user identifiers from the social environment of the respective users; by the user identifiers from the social environment of the selected user, computing the social rating of the selected user as a function of the number of users from the social environment and the rating values of the users from the social environment.
    Type: Grant
    Filed: November 7, 2019
    Date of Patent: April 27, 2021
    Inventor: Roman Vladimirovich Postnikov
  • Patent number: 10985995
    Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, by the at least one processor, via the communication interface, and from a dynamic data management node, at least one organization computing system data file profile and a plurality of client computing device data file profiles. The computing platform may identify, based on the organization computing system data file profile(s), the client computing device data file profiles, and a machine learning dataset, a potential match between the organization computing system data file profile(s) and the client computing device data file profile(s). The computing platform may establish a connection with the client computing device(s) and, while the connection is established, transmit a notification which, when processed by the client computing device(s), causes the notification to be displayed on the client computing device(s).
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: April 20, 2021
    Assignee: Bank of America Corporation
    Inventors: Lalit Dhawan, Manu Kurian
  • Patent number: 10977375
    Abstract: A system and method for asset leak risk assessment in blockchains are presented. A risk assessment of recursive call attack vulnerabilities may be cognitively determined according to risk vulnerability measurements generated from a computer program source code, a list of external call functions, a risk assessment function, a list of assets, a parser, or a combination thereof.
    Type: Grant
    Filed: August 10, 2018
    Date of Patent: April 13, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Emanuele Ragnoli, John Sheehan, Stefano Braghin, Gokhan Sagirlar
  • Patent number: 10977675
    Abstract: A consumer lead enhancement system comprises a vendor criteria database, a web server, and a matching engine. The vendor criteria database is configured to store vendor criteria for receiving leads regarding consumers. The web server is configured to request from a consumer a first set of consumer characteristics and a second set of consumer characteristics. The matching engine is configured to compare the consumer characteristics with information in the vendor criteria database in order to match the consumer with one or more vendors so that the system is capable of generating a lead and transmitting the lead to the vendors. If the consumer provides the second set of consumer characteristics, the consumer may be matched to vendors based on the second set of consumer characteristics. Otherwise the consumer may be matched to vendors based on the first set of consumer characteristics.
    Type: Grant
    Filed: February 20, 2019
    Date of Patent: April 13, 2021
    Assignee: LMB Mortgage Services, Inc.
    Inventors: Stephen Principe Semprevivo, Matthew Robert Wells
  • Patent number: 10977728
    Abstract: Systems and methods for optimizing processing of loan applications are disclosed. A system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the system to analyze training data to build a predictive model. The instructions may also instruct the system to apply the predictive model to a loan application to determine a first probability of an institution funding the loan application if the institution proactively engages a loan-arranging entity of the loan application and a second probability of the institution funding the loan application if the institution reactively engages the loan-arranging entity. The instructions may further instruct the system to reporting the first and second probabilities to a user through a user interface.
    Type: Grant
    Filed: October 22, 2019
    Date of Patent: April 13, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Drake R. Sanderson, Sohan Ganapathy, Jesus Gonzalez, Natascha Schambach, Krishna Mohan Bibireddy, Biraja Mahapatra, Thomas Busath, Taylor Geron, Nicole Kellogg, Amanda Rae Dorsey
  • Patent number: 10963852
    Abstract: An ATM can receive a media file from a client device and transmit the media file from the ATM to a server. Each of the ATM and the client device can include a master key and the client device can encrypt the media file using the master key before sending the media file to the ATM. The ATM can decrypt the media file using the master key and analyze the media file by a processor of the ATM before transmitting the media file to the server. Analyzing the media file can include one of applying an OCR algorithm to the media file, performing a template algorithm, using a natural language processing technique, using a computer vision method and looking for a watermark.
    Type: Grant
    Filed: September 23, 2019
    Date of Patent: March 30, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba
  • Patent number: 10963791
    Abstract: Certain embodiments involve generating or optimizing a neural network for risk assessment. The neural network can be generated using a relationship between various predictor variables and an outcome (e.g., a condition's presence or absence). The neural network can be used to determine a relationship between each of the predictor variables and a risk indicator. The neural network can be optimized by iteratively adjusting the neural network such that a monotonic relationship exists between each of the predictor variables and the risk indicator. The optimized neural network can be used both for accurately determining risk indicators using predictor variables and determining adverse action codes for the predictor variables, which indicate an effect or an amount of impact that a given predictor variable has on the risk indicator. The neural network can be used to generate adverse action codes upon which consumer behavior can be modified to improve the risk indicator score.
    Type: Grant
    Filed: September 11, 2020
    Date of Patent: March 30, 2021
    Assignee: EQUIFAX INC.
    Inventors: Matthew Turner, Michael McBurnett
  • Patent number: 10963886
    Abstract: A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued by a financial institution. The payment card comprises an original payment card number. A first plurality of digits of the original payment card number is provided to a processor. The first plurality of digits are predetermined digits associated to the financial institution. A desired expiration date through which the time-limited number is valid for acceptance in the payment card transaction is provided to the processor. A program is executed by the processor to set a first plurality of digits in the time-limited number to the first plurality of digits in the original payment card number, generate a first number corresponding to the desired expiration date, set a second plurality of digits in the time-limited number to the first number, and output the time-limited number.
    Type: Grant
    Filed: August 29, 2016
    Date of Patent: March 30, 2021
    Assignee: MIRI SYSTEMS, LLC
    Inventors: Ronald W. Sandstrom, Paul E. Vasil, Ludwik F. Zon
  • Patent number: 10956594
    Abstract: A user interface for interacting with multiple databases allows a user to lock or unlock access to their data in multiple databases simultaneously, each database being controlled by a different entity. A user interface server communicates with servers of the multiple databases to request that the consumer's data be locked or unlocked. The user interface server may also report to the consumer the lock status of the consumer's data in each of the multiple databases. To authenticate the user, the user interface for interacting with multiple databases may provide one or more authentication prompts prior to allowing the user to lock or unlock access to their data. The authentication prompts may be provided by one or more of the multiple entities.
    Type: Grant
    Filed: May 22, 2018
    Date of Patent: March 23, 2021
    Assignee: IDENTITY THEFT GUARD SOLUTIONS, INC.
    Inventors: Brent VanLoo, Christopher Semke, Christopher Ryan Johnson, Chase Dimick
  • Patent number: 10956989
    Abstract: Novel tools and techniques are provided for implementing accounting platform functionalities. In various embodiments, a computing system might access a data file(s) associated with a first entity from a first accounting software system among a plurality of accounting software systems, each operating based on corresponding one of two or more commercial accounting software that are different from and/or incompatible with each other. The computing system might autonomously extract transaction data corresponding to a transaction entry for each individual transaction. The computing system might autonomously generate a transaction-based trial balance based on the extracted transaction data, the generated transaction-based trial balance serving as a living trial balance that is continually updated based on updated or new transaction data that is accessed from the first accounting software system.
    Type: Grant
    Filed: June 10, 2020
    Date of Patent: March 23, 2021
    Assignee: Ford Squared Technologies LLC.
    Inventors: Stanford C. Baker, David L. Knedlik, Joseph Brandon Abesamis, Tyler Adams
  • Patent number: 10956431
    Abstract: Computer implemented systems and methods are disclosed for associating records across lists, wherein the lists include a plurality of records and the plurality of records is associated with a respective entity. In accordance with some embodiments, the systems and methods further comprise grouping one or more records from a first list into a first group based on fields of the records in the first list, grouping one or more records from a second list into a second group based on fields of the records in the second list, pairing a record from the first group with a record from the second group, assessing each pair of records based on an evaluation of the respective pair according to fields of the pair, and associating records from the first group and records of the second group with an entity based on the assessment.
    Type: Grant
    Filed: February 21, 2019
    Date of Patent: March 23, 2021
    Assignee: Palantir Technologies Inc.
    Inventors: Daniel Erenrich, Christian Tessier-Lavigne
  • Patent number: 10956822
    Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of managing regulatory questions. The systems and methods receive a question having words and phrases. The systems and methods identify keywords in the question using a knowledgebase. The systems and methods determine closely related questions based on the identification, the closely related questions having answers associated with each question of the closely related questions. The systems and methods perform machine learning on the answers of the determined closely related questions.
    Type: Grant
    Filed: July 6, 2017
    Date of Patent: March 23, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Daniel Kern, Misty Ritchie, Qiyi Lu
  • Patent number: 10956879
    Abstract: A method, apparatus and system are disclosed for providing a user with an indication of the user's financial security level. In order to achieve this, the user may be surveyed to provide information related to the user's attributes and current level of financial security. Based on the user's inputs, a financial security tool may generate a financial security score and monetary risk amount that provides an accurate interpretation of the user's financial security level.
    Type: Grant
    Filed: July 15, 2016
    Date of Patent: March 23, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Alexis M. Eidson, Christina N. Nickel, Matthew Quagliara, Raymond John Zurcher, Ronald Romanowski
  • Patent number: 10949919
    Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: March 16, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Benjamin Tarmann, Richard R. Rhodes, Lokesh Awasthy, Denise DeRoeck, Jaime Skaggs, Jacob J. Alt, Shanna L. Phillips, Shyam Tummala, Matthew S. Meierotto, Richard D. Groonwald, Brian J. Hughes
  • Patent number: 10943292
    Abstract: Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time.
    Type: Grant
    Filed: February 24, 2014
    Date of Patent: March 9, 2021
    Assignee: CITIBANK, N.A.
    Inventors: Andres Wolberg-Stok, Sonia Olivo Alfieri, Dominic Varacalli, Syed Rahat, Wayne Browning
  • Patent number: 10943301
    Abstract: Techniques for building and managing data models are provided. According to certain aspects, systems and methods may enable a user to input parameters associated with building one or more data models, including parameters associated with sampling, binning, and other factors. The systems and methods may automatically generate program code that corresponds to the inputted parameters and display the program code for review by the user. The systems and methods may build the data models and generate charts and plots depicting aspects of the data models. Additionally, the systems and methods may combine data models and select champion data models.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: March 9, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Weixin Wu, Phillip Sangpil Moon, Scott Farris
  • Patent number: 10943314
    Abstract: The disclosure is directed to determining, among a number of estimated market values of a real estate property, an estimated market value (EMV) that is closest to an EMV computed by an application (“application-computed EMV”). The application receives a property profile from a user, e.g., a seller, having pictures and description of a real estate property, e.g., a house. The application publishes the property profile to multiple member agents, e.g., real estate agents, who can provide an EMV of the real estate property based on their opinion. The application determines the application-computed EMV based on a variety of property data, e.g., sales and/or tax history of the real estate property or other related real estate properties, obtained and/or derived from various third party systems. The application then compares the application-computed EMV with member agent-provided EMVs to determine a member agent-provided EMV that is closest to the application-computed EMV.
    Type: Grant
    Filed: August 2, 2017
    Date of Patent: March 9, 2021
    Assignee: Patience and Fortitude, Inc.
    Inventor: Harold Hildebrand
  • Patent number: 10937090
    Abstract: Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.
    Type: Grant
    Filed: July 17, 2018
    Date of Patent: March 2, 2021
    Assignee: ConsumerInfo.com, Inc.
    Inventors: Tod DeBie, Michael Burger
  • Patent number: 10937050
    Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling merchant funded rewards at a POS terminal. Systems and methods are provided for tracking customer activity and determining an appropriate merchant funded reward. The POS terminal may determine an appropriate merchant, funded reward based on location and historical customer transaction data. The merchant may offer a custom reward that promotes customer behaviors that are advantageous to the merchant and other transaction participants. A merchant funded rewards program may be configured to drive incremental sales to merchants that participate in the program.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: March 2, 2021
    Assignee: Bank of America Corporation
    Inventors: Mark Churchill Monaco, Tony England, Matthew D. Murphy, David C. Tyrie
  • Patent number: 10929824
    Abstract: An apparatus is disclosed which includes a processor and non-transient memory operatively connected to the processor. The memory includes instructions which, when executed by the processor, cause the processor to: receive, from a server hosting a managed services gateway, an authorized funding amount which is based on user account data associated with the user account; transmit a funds transfer request to the server, where the funds transfer request includes a funding amount less than or equal to the authorized funding amount; transmit a funds-transfer confirmation message to the server which causes the managed services gateway to initiate an internal funds transfer on a bank server associated with the user account. The internal funds transfer comprises a real-time transfer of funds from a managed services account owned by a managed services provider to a consumer account associated with the user maintained with the same bank.
    Type: Grant
    Filed: January 19, 2016
    Date of Patent: February 23, 2021
    Assignee: Mobile Capital Group, Inc
    Inventor: Michael Sobek
  • Patent number: 10929924
    Abstract: A method for mobile number credit prescreen is disclosed. The method obtains a phone number associated with a customer's mobile device. The phone number is utilized to access a mobile carrier service and obtain identifying information about the customer. A credit reporting agency is accessed and the identifying information about the customer is used to perform a credit prescreen. In addition, when the customer passes the credit prescreen, the identifying information about the customer and a result of the credit prescreen are used to pre-fill a credit application form. The pre-filled credit application form in conjunction with a pre-approved credit offer is then provided to the customer.
    Type: Grant
    Filed: February 23, 2016
    Date of Patent: February 23, 2021
    Assignee: Comenity LLC
    Inventors: Adam Koltnow, James Walz
  • Patent number: 10929853
    Abstract: Systems and methods for implementing an in-store kiosk device as part of a retail reinvention and self-help care portal are disclosed. The in-store kiosk device may allow a consumer to self-diagnose problems with electronic devices, such as smart phones, and to seek technical or service related assistance with appropriate experts. The in-store kiosk device may also facilitate initiating a communication between the consumer and multiple experts, to help resolve any consumer technical or sales queries. In some examples, the in-store kiosk device has the added advantage of providing consumers with a means to have service or inventory-related issues addressed without having to wait for available in-store service staff. The in-store kiosk device may also facilitate electronic device exchange.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: February 23, 2021
    Assignee: T-Mobile USA, Inc.
    Inventors: Kanakrai Gajendra Chauhan, Omar Hassan
  • Patent number: 10930026
    Abstract: A start fill scheme in a first layer that is initially non-transparent is displayed on a display of a computing device. An end fill scheme in a different second layer that overlaps the first layer and is initially at least partially transparent is displayed on the display. A first transparency value of the first layer is gradually changed to a value corresponding to transparency. A second transparency of the second layer is gradually changed to a value corresponding to non-transparency. Both the first transparency value and the second transparency value are gradually changed during a particular time period. Gradually changing the first transparency value and the second transparency value includes changing the values by a plurality of increments over the particular time period.
    Type: Grant
    Filed: November 4, 2019
    Date of Patent: February 23, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Nana Zhang
  • Patent number: 10924365
    Abstract: A method for generating a directed graph for a transaction in an application, comprising: receiving event information for events included in the transaction at a processor, each event having a link directed from a first endpoint to a second endpoint in the application; assigning an identification (“ID”) number to each event and including the ID number in the event information for each event; based on endpoint, correlating the event information to produce dyadic event information representative of dyadic events, each dyadic event including a first event and a second event associated with the endpoint, the dyadic event information for each dyadic event including a first ID number and a second ID number for the first event and the second event, respectively; based on ID number, combining the dyadic event information to produce correlation fragments associated with the ID number; and, combining the correlation fragments to produce the directed graph for the transaction.
    Type: Grant
    Filed: May 3, 2013
    Date of Patent: February 16, 2021
    Assignee: INETCO SYSTEMS LIMITED
    Inventors: Angus Richard Telfer, Thomas Bryan Rushworth
  • Patent number: 10915829
    Abstract: Methods, systems, and computer programs are presented for updating the data model of a structural damage predictor after an earthquake. One method includes an operation for identifying features for a structure and fragility functions for predicting structural damage to the structure, the fragility functions being stored in a database. The method further includes an operation for estimating a first damage to the structure after an earthquake utilizing a damage-estimation algorithm and the fragility functions for the structure. One or more of the fragility functions are changed based on the first damage to the structure when the first damage to the structure is above a predetermined damage threshold. The method further includes operations for accessing shaking data for a new earthquake, and for estimating a second damage to the structure after the new earthquake utilizing the damage-estimation algorithm and the fragility functions for the structure.
    Type: Grant
    Filed: January 26, 2017
    Date of Patent: February 9, 2021
    Assignee: ONE CONCERN, INC.
    Inventors: Ahmad Wani, Nicole Hu, Timothy Frank, Abhineet Gupta
  • Patent number: 10915416
    Abstract: The system and method may receive transaction data for a financial account associated with a user during a first time period and a second time period. A first environmental impact score for the transaction data associated with the user in the first time period may be determined and a second environmental impact score for the transaction data associated with the user in the second time period may also be determined. The first environmental impact score and the second environmental impact score may be compared. The system and method may determine whether there has been a change from the first environmental impact score to the second environmental impact score. In response to a determination that the second environmental impact score is less than the first environmental impact score; a bonus score may be determined for the user.
    Type: Grant
    Filed: August 2, 2019
    Date of Patent: February 9, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Vishakha Sangani, Manan Sudhakarbhai Lakhani, Emmanuel Okereke, Jude Ogbuibe
  • Patent number: 10911523
    Abstract: Embodiments disclosed herein are related to computing systems and methods for broadcasting an intent of a first user to a second user of a decentralized network. The computing system and methods are implemented in the decentralized network that implements a distributed ledger that backs one or more decentralized identities (DID) for one or more users of the computing system. Intent from first users of the computing system is received. The intent data defines potential interactions between the first users and second users of the computing system. Broadcast messages are generated. The broadcast messages include a DID for each of the first users and information specifying the potential interactions. The generated broadcast messages are provided to the second users.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: February 2, 2021
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventors: Daniel James Buchner, Brandon Murdoch, Ankur Patel
  • Patent number: 10902431
    Abstract: Systems and methods configured for monitoring and analyzing financial transactions on public distributed ledgers for suspicious and/or criminal activity are disclosed. Exemplary implementations may: access public third-party information for addresses involved in financial transactions; correlate a first portion of the public third-party information with transaction addresses; label the financial transactions and/or the addresses according to characteristics, such that individual ones of the addresses either have been labeled or are unlabeled; cluster the financial transactions and/or the addresses into a set of clusters that includes a first cluster; assign levels of risk for suspicious and/or criminal activity to the addresses and the financial transactions; and responsive to comparisons of levels of risk with a threshold, report transactions for suspicious and/or criminal activity.
    Type: Grant
    Filed: July 5, 2019
    Date of Patent: January 26, 2021
    Assignee: Jumio Corporation
    Inventors: Andreas Bayer, Kevin Feng, Benjamin Tyson Duranske
  • Patent number: 10902428
    Abstract: Techniques of risk-based authentication involve adjusting a risk engine used by a recipient entity based on feedback acquired from multiple entities. Along these lines, both a recipient risk engine and one or more donor risk engines perform risk-based authentication for which respective feedback is generated. The feedback indicates whether certain transaction requests predicted to be fraudulent are confirmed to be fraudulent. The recipient risk engine is then adjusted based on the feedback created for itself, the feedback created for any of the donor risk engines, or some combination thereof.
    Type: Grant
    Filed: December 16, 2015
    Date of Patent: January 26, 2021
    Assignee: EMC IP Holding Company LLC
    Inventors: Shay Amram, Alma Zohar, Anatoly Gendelev, Christina Tkachenko, Alex Zaslavsky
  • Patent number: 10902512
    Abstract: A payment processing system is configured to expose an API to provide financing terms to a financial institution. The payment processing system receives, via the API, a request from the financial institution to calculate financing terms for providing capital to a merchant based on the merchant's financial history with the payment processing system and/or the financial institution. The payment processing system calculates the financing terms including an approved financing amount and repayment terms, which may include a portion of the transaction processed by the payment processing system or the financial institution to be withheld for repayment of the approved financing amount. The payment processing system transmits the financing terms to the financial institution via the API.
    Type: Grant
    Filed: January 22, 2015
    Date of Patent: January 26, 2021
    Assignee: SQUARE, INC.
    Inventors: Adam Jeremy Fern, Andrew Kimball, John Bryan Scott, Brian Boates
  • Patent number: 10902197
    Abstract: Features are disclosed for determining the vocabulary of a user and identifying content items appropriate for the user based on the user's personal vocabulary. The user's vocabulary can be determined by analyzing user-generated textual items. Based on the analysis of such user-generated textual items, a list of words used frequently by the user in the user's own writings can be identified as being in the user's vocabulary. The list of words in the user's vocabulary can be compared to the words in various content items to determine a degree to which the words used in the content are in the user's vocabulary. Content can then be recommended or otherwise determined to be appropriate for the user's vocabulary, identified as challenging, too difficult, or too easy, etc.
    Type: Grant
    Filed: March 30, 2015
    Date of Patent: January 26, 2021
    Assignee: Audible, Inc
    Inventor: Geetika Tewari Lakshmanan
  • Patent number: 10896450
    Abstract: Systems and methods for identifying, filtering, and/or ranking optimal computing devices for performing transactions are described herein. In an embodiment, a server computer receives transactional data describing transactions between a first plurality of computing devices and a second plurality of computing devices. The server computer determines that particular plurality of the transactions is associated with a particular computing device of the first plurality of computing device. The server computer normalizes identifiers of an entity associated with the particular computing device across the particular plurality of the transactions.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: January 19, 2021
    Assignee: Coupa Software Incorporated
    Inventors: Justin Mehta, Andrew Miller, Scott Harris
  • Patent number: 10891268
    Abstract: A request for a most reliable demographic fields data for a selected demographic field associated with an entity may be received at an entity matching system. A plurality of records associated with the entity may be received at the entity matching system. Each of the plurality of records may include at least one demographic field. A demographic field corresponding to the selected demographic field may be identified from the at least one demographic field for each of the plurality of records. A reliability score may be determined for the corresponding demographic field for each of the plurality of records. The corresponding demographic field with the highest reliability score may be determined as the most reliable demographic fields data.
    Type: Grant
    Filed: March 29, 2017
    Date of Patent: January 12, 2021
    Assignee: Experian Health, Inc.
    Inventors: John Dennis, Sean Daniel Reisz, Matthew McCawley, Christopher Wavil Moody, Dimuthu A. Wijetilleke
  • Patent number: 10885521
    Abstract: Methods and apparatuses for manufacturing a series of dental aligners. These methods generally include coordination of a dental aligner laboratory coordinating early in the pre-approval process for financing the dental aligner series, a third party financing service, and/or a dental practitioner (e.g., dentist, orthodontist, etc.).
    Type: Grant
    Filed: July 17, 2018
    Date of Patent: January 5, 2021
    Assignee: Align Technology, Inc.
    Inventors: Matthew Todd Miller, Douglas Fedich, Leela Parvathaneni
  • Patent number: 10880317
    Abstract: Detecting threats in a network are provided. A network security monitor obtains records for entities that access a network. The records include attributes associated with the entities. The network security monitor generates clusters from the records using a matching process. The network security monitor classifies a first cluster as a threat cluster. The network security monitor receives, subsequent to generating the plurality of clusters, a record from an entity that access the network. The network security monitor assigns the record to the first cluster using the matching process. The network security monitor detects, responsive to assigning the record to the first cluster, a threat associated with the entity.
    Type: Grant
    Filed: December 26, 2017
    Date of Patent: December 29, 2020
    Assignee: CRYPTEIA NETWORKS S.A.
    Inventors: Mordechay Schneider, Giorgos Gkroumas, Theocharis Tsigkritis
  • Patent number: 10880313
    Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data.
    Type: Grant
    Filed: June 19, 2019
    Date of Patent: December 29, 2020
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Joe Manna, Michelle Felice-Steele, Michele Raneri, Paul DeSaulniers, Jeff Softley, Srikumar Puthupadi Kanthadai, Aga Dzhafar Hady Ogiu Dzhafarov, Pat Finneran, Donna Meryl Smith, Gregory Lennox Wright, Marizette Galvez, Ujjayan Banerjee, Ravi Devesetti, Shivakumar Ramanathan, Mukeshkumar G. Patel
  • Patent number: 10878353
    Abstract: A method and system for automatic cost assessment of cloud computing resources. A cloud management server computer manages data centers in a smart cloud computing system that provisions computing resources to consumers. The cloud management server computer registers conditions of interest with multiple news sources, receives reports regarding the conditions of interest from one or more of the news sources, and automatically estimates a cost of operating each of the data centers based on the reports. Among the data centers, a first data center is estimated to have a cost increase because of a condition that is reportedly about to occur. The cloud management server computer automatically migrates workload from the first data center to a different data center before the condition occurs.
    Type: Grant
    Filed: May 31, 2011
    Date of Patent: December 29, 2020
    Assignee: Red Hat, Inc.
    Inventor: Jonathan Masters
  • Patent number: 10878494
    Abstract: A system and method determines the creditworthiness of a consumer and issues a loan and generates a behavioral profile for that consumer. An initial set of data is acquired from the consumer that includes non-identification attributes without obtaining a full name, a credit card number, a passport number, or a government issued ID number that allows identification of the consumer. A user ID number matches the initial set of data to a physical user in a transaction database. A credit score based on the average credit among a plurality of user profiles is matched to determine a maximum credit for the consumer. A machine learning model may be applied to stored consumer loan data to determine when the consumer requires an increase in the maximum allowed credit and the risk involved with increasing the maximum allowed credit.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: December 29, 2020
    Assignee: MO TECNOLOGIAS, LLC
    Inventors: Paolo Fidanza, Andrii Kurinnyi, Andres Rosso
  • Patent number: 10878512
    Abstract: Systems and methods for using blockchain data for automated underwriting and product issuance are provided. A request is received, via a website, for a personalized quote for a product. The requestor is identified and blockchain data related to the requestor is gathered. The blockchain data includes data pertinent to the personalized quote. The personalized quote is determined based at least in part upon the gathered blockchain data. The personalized quote is then presented via the website.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: December 29, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Amjed Ratib Al-Zoubi, Meliza Carrion, Joseph George, Christopher Scott Lowe
  • Patent number: 10867268
    Abstract: Disclosed herein are system, method, and computer program product embodiments for identifying and managing emerging risks. Businesses, such as those participating in regulated industries, may need to regularly monitor enforcement actions that are cited in a variety of sources. Embodiments disclosed herein provide for scraping information from those sources and comparing it to existing risk events in order to determine possible discrepancies that should be assessed.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: December 15, 2020
    Assignee: Capital One Services, LLC
    Inventors: Lokesh Vijay Kumar, Satish Chikkaveerappa, Sasi Kumar Unnikrishnan, Venkata Satya Parcha, Ponnazhakan Subramanian
  • Patent number: 10866962
    Abstract: A system for merging data into a database is disclosed. During operation, the system may fetch a set of data from a data source external to the database. The system may determine that the fetched set of data is unstructured data, and then transform the fetched set of data into structured data. The system may also determine one or more lowest denominators for the fetched set of data, determine that the fetched set of data does not meet the one or more lowest denominators, and transform the fetched set of data to meet the one or more lowest denominators. The system may further determine one or more joinable keys for the fetched set of data, and merge the fetched set of data into the database.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: December 15, 2020
    Assignee: DatalnfoCom USA, Inc.
    Inventors: Chun Wang, Rick Thielke, Mubbashir Nazir, Sean Yang, Wensu Wang, Michael Smith-Palmer
  • Patent number: 10860848
    Abstract: Techniques to capture document data are disclosed. It is determined that a sequence of pages in a stream of document page images comprise a single multi-page document. Data is extracted from two or more different pages included in the sequence. The data extracted from two or more different pages included in the sequence of pages is used to populate a data entry form associated with the multi-page document.
    Type: Grant
    Filed: March 1, 2019
    Date of Patent: December 8, 2020
    Assignee: Open Text Corporation
    Inventor: Ming Fung Ho
  • Patent number: 10860651
    Abstract: A system, method and computer-readable medium for generation of missing data including transmitting indicators corresponding to locations of missing data in columns in tables of a database, each location of missing data corresponding to categorical values of categorical columns and each location of missing data being identified based on an expected count of data values at the corresponding location, receiving a selection of at least one indicator corresponding to at least one location of missing data, the at least one location of missing data corresponding to two or more categorical values of two or more categorical columns in the categorical columns, and generating sets of data records in at least one table in the tables of the database, each set of data records having two or more column values in two or more columns that correspond to the two or more categorical values of the two or more categorical columns.
    Type: Grant
    Filed: February 21, 2018
    Date of Patent: December 8, 2020
    Assignee: Informatica LLC
    Inventors: Gregorio Convertino, Ranjeet Kumar Tayi, Swati Tomar, Manish Gupta, Chitresh Kakwani
  • Patent number: 10861092
    Abstract: Computerized systems and methods for efficiently refreshing financial data for financial accounts for login identifications of users at respective financial institutions in a batch data pull via a communication network. The login identifications are prioritized for being refreshed based on determining a probability that each login identification has a new transaction since the last successful refresh of the login identification using a learning algorithm utilizing past financial data. The login identifications are then refreshed in a batch data pull from the financial institutions in an order from highest probability to lowest probability of having a new transaction since the last batch data pull.
    Type: Grant
    Filed: October 26, 2017
    Date of Patent: December 8, 2020
    Assignee: INTUIT INC.
    Inventors: Siddhartha Misra, Tarek Rabbani, Nageswara Prasad Cherukuri, Kishore Nene, Neha Kumari, Prateek Vasant Kakirwar, Mahesh Subramanian
  • Patent number: 10860711
    Abstract: The present invention provides a method, system and computer program product for analyzing risks, for example associated with potential data leakage. Risk for activities may be measured as a function of risk components related to: persons involved in the activity; sensitivity of data at risk; endpoint receiving data at risk; and type the activity. Risk may account for the probability of a leakage event given an activity as well as a risk cost which reflects the above risk components. Manually and/or automatically tuned parameters may be used to affect the risk calculation. Risk associated with persons and/or files may be obtained by: initializing risk scores of persons or files based on a rule set; adjusting the risk scores in response to ongoing monitoring of events; identifying commonalities across persons or files; and propagating risk scores based on the commonalities.
    Type: Grant
    Filed: October 17, 2017
    Date of Patent: December 8, 2020
    Assignee: Interset Software Inc.
    Inventors: Stephan F. Jou, Shaun Pilkington
  • Patent number: 10854196
    Abstract: Using a method of operating a system that includes remote servers, and at least one electronic device, a user verbally instructs the electronic device to activate a function. The system uses the remote servers and other parts of the system to determine that the function is not currently enabled and requires a user-acknowledgment to terms of use before the function is enabled. The system provides information on the terms of use and solicits a user-acknowledgment to the terms of use. The user provides a verbal acknowledgment of the terms of use and the verbal acknowledgment is received and stored in a persistent data store.
    Type: Grant
    Filed: February 22, 2018
    Date of Patent: December 1, 2020
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventors: Christopher Geiger Parker, Ilana Rozanes, Sulman Riaz, Vinaya Nadig, Hariharan Srinivasan, Ninad Anil Parkhi, Michael Richard Baglole, Eric Wei Hoong Ow, Tina Sonal Patel
  • Patent number: 10853895
    Abstract: Information analysis and display systems and methods include receiving first financial information regarding a user, and calculating a target home price based on the received financial information. A user interface display is generated that displays the target home price, and modifications to the target home price from the user are received via the user interface. Homes for sale are evaluated based on the target price.
    Type: Grant
    Filed: November 17, 2016
    Date of Patent: December 1, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Rod O'Neal, Richard Charette, Stuart Rehfuss, Julie Lane, Judy Cantor