Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
  • Patent number: 11328816
    Abstract: System and methods for the integration of dental practice management systems are disclosed herein. The systems and methods may generate models (including schedule models and financial models) from the data provided by a plurality of dental practices. These models can be used to quantitatively evaluate the efficiency and other operating characteristics of a particular dental practice, and can identify operational issues within the practice. Further, the systems and methods can evaluate metrics of the dental practice against goal metrics and/or standard metrics, and recommend and implement solutions based on the comparison.
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: May 10, 2022
    Assignee: SPEAR EDUCATION, LLC
    Inventors: Matthew M. Crego, Mitchell Ward Ellingson, Yonas Yohannes
  • Patent number: 11328353
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to present a video. One of the methods includes obtaining loan transfer information for a user. The method includes selecting non-personalized content, at least some of the non-personalized content selected based on the loan transfer information. The method includes generating a user specific video using the loan transfer information and the selected non-personalized content. The method also includes providing the user specific video to the user.
    Type: Grant
    Filed: November 7, 2016
    Date of Patent: May 10, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos Winston Wilkinson, Scott Nathan
  • Patent number: 11321774
    Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.
    Type: Grant
    Filed: January 31, 2020
    Date of Patent: May 3, 2022
    Assignee: PointPredictive, Inc.
    Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
  • Patent number: 11315157
    Abstract: A mobile electronic device is described that is configured to upload a commercial application to a centralized server. In an implementation, the mobile electronic device includes a memory, and a processor communicatively coupled to the memory. The mobile electronic device also includes an aggregator module stored in memory and executable by the processor. The module is also configured to instruct the processor to aggregates the product information with applicant information to generate a commercial application relating to the product, the commercial application comprising an application for services from at least one a lending entity, an insurance entity, or a third-party service entity. The module is also configured to instruct the processor to cause transmission of the commercial application to a central server. The commercial application is accessible to the at least one of the lending entity, the insurance entity, or the third-party service entity.
    Type: Grant
    Filed: August 5, 2019
    Date of Patent: April 26, 2022
    Assignee: AutoFX2 LLC
    Inventors: Brent W. Cox, Michael A. Hergenrader, Peter R. Baldwin
  • Patent number: 11315178
    Abstract: A system and method receive a plurality of crypto profiles that include customizable rules for different cryptocurrencies and operating state information that initialize containerized lending applications. The system and method ink the crypto profiles to a matching engine before the containerized lending applications and the matching engine match a plurality of borrower requests for a debt or an equity denominated in a cryptocurrency to lending requests. The system and method collect cryptocurrency payments in response to the use of the debt or the equity by the borrower. Each containerized lending application include executable software, runtime code, system tools, and system libraries that enable the containerized applications to run on two or more computing environments without modification.
    Type: Grant
    Filed: August 12, 2019
    Date of Patent: April 26, 2022
    Assignee: Coinbase, Inc.
    Inventors: Andrew Ridenour, Paul Bauerschmidt
  • Patent number: 11308428
    Abstract: Customizing computing resource allocation based on machine learning is provided. A plurality of current users of a service are evaluated based on attributes of each current user. A user value score is generated for each current user based on the attributes. The plurality of current users is clustered into a plurality of user groups based on the user value score. A likelihood of each prospective user becoming a paying customer is predicted based on collected behavior data corresponding to each prospective user. A likelihood of an application corresponding to the service and associated with a particular user will misbehave is predicted based on resource usage and features of the application. Resource allocation to the application corresponding to the service and associated with the particular user is customized based the likelihood that the application will misbehave and whether the particular user is a current user or a prospective user.
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: April 19, 2022
    Assignee: International Business Machines Corporation
    Inventors: Bo Zhang, ChunHui Y. Higgins, Chuan Ran, Nancy Anne Schipon, Yongchang Cui
  • Patent number: 11308550
    Abstract: A system, method, and software for structuring a deal, wherein a method of structuring a deal includes the steps of receiving an input relating to a structured deal, analyzing the input based upon an instruction set; and generating a feedback in response to the analysis of the input, wherein the wherein the feedback includes payment information relating to a structured deal.
    Type: Grant
    Filed: May 14, 2015
    Date of Patent: April 19, 2022
    Assignee: DRIVETIME AUTOMOTIVE GROUP, INC.
    Inventors: Adam Swofford, William Adams, Ernest Garcia
  • Patent number: 11308561
    Abstract: A system to provide a risk relationship life event analytical modeling platform via a back-end application computer server of an enterprise. The system may include a risk relationship data store that contains electronic records representing potential risk relationships between the enterprise and a plurality of entities. Each record may include an electronic record identifier, at least one third-party indication associated with an upcoming life event, and a communication address. The server may determine a selected potential risk relationship and retrieve, from the risk relationship data store, the electronic record associated with the selected potential risk relationship. An analytical model may be executed based on the upcoming life event to generate a risk relationship adjustment recommendation for the selected potential risk relationship. The server may then automatically transmit information about the risk relationship adjustment recommendation to the communication address.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: April 19, 2022
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Jennifer Maia Amaral, Matthew Brown, Christopher J Gimpl
  • Patent number: 11310344
    Abstract: In some embodiments, a non-transitory processor-readable medium receives, from a client compute device and at a multi-tenant computer system, a service request that includes an authentication token provided by a third-party compute device and that identifies a single-tenant account (1) of the multi-tenant computer system and (2) associated with the client compute device. The medium sends an information request for first information associated with the service request to the third-party compute device. The medium receives the first information from the third-party compute device in response to the information request. The medium processes the service request based on the first information to produce a service result responsive to the service request. The medium sends the service result to the client compute device.
    Type: Grant
    Filed: August 4, 2021
    Date of Patent: April 19, 2022
    Assignee: Flueid Software Corporation
    Inventors: Peter Bowman, Peter Richter, Dennis Frandsen, Ryan Jaeger
  • Patent number: 11301918
    Abstract: An electronic invoicing system provides a web-based portal with respective views for a suppliers submitting electronic invoices and a user of an enterprise submitting and/or reviewing electronic invoices. The portal displays a user interface on a screen that enables a supplier or user to retrieve or create information related to an electronic invoice, purchase order or requisition number using a text fields and icons. An administrator is able to enter information to be provided to the suppliers via a home screen of the web-based portal, and the system includes software tools enabling the information to be published on the home screen of the portal without web-based programming.
    Type: Grant
    Filed: August 13, 2019
    Date of Patent: April 12, 2022
    Assignee: Versata, Inc.
    Inventors: Timothy S. McEneny, Sr., Erick W. Schutz, Joseph E. Fallon, Aleksandr Shmukler
  • Patent number: 11295333
    Abstract: A computer-implemented method performed by one or more processors of a mobile wallet computer system is provided. The method comprises providing, by an offer engine of the mobile wallet computer system, an offer to a mobile device of a user. The offer is presented based on a geographic location of the mobile device. The method further comprises generating, by a code generator of the mobile wallet computer system, an offer code for the mobile device of the user for providing to a merchant. The generating including embedding the geographic location of the mobile device into the offer code. The method further comprises sending, by network interface logic of the mobile wallet computer system, the offer code to the mobile device.
    Type: Grant
    Filed: May 20, 2019
    Date of Patent: April 5, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 11295310
    Abstract: A method, system, and computer program product for fraud detection receive transaction data associated with a plurality of transactions; determine, based on the transaction data, that two or more consecutive transactions associated with a same account identifier include a value for a same at least one transaction parameter; in response to determining that each of the two or more consecutive transactions associated with the same account identifier include the value for the same at least one transaction parameter, determine a difference between the value for the at least one transaction parameter associated with a first transaction of the two or more consecutive transactions and the value for the at least one transaction parameter associated with a second transaction of the two or more consecutive transactions; and determine, based on the difference, that the two or more consecutive transactions are fraudulent transactions.
    Type: Grant
    Filed: February 4, 2020
    Date of Patent: April 5, 2022
    Assignee: Visa International Service Association
    Inventors: Durga Kala, Tathagata Sengupta, Debabrata Chowdhury, Juharasha Shaik
  • Patent number: 11295404
    Abstract: Embodiments provide a technical solution that facilitates the digital enrollment and complex scheduling of activities across families, including blended families. The embodiments register, through a computer system, familial relationships within a family and represent the familial relationships in structured data stored in memory. Based on the represented familial relationships, the embodiments receive at the system information for enrolling children of the family in activities, such as via online provider-specific and state licensing forms, and store the enrollment information associated to the represented familial relationships in the memory. Upon user command, the embodiments search the stored enrollment information based on the represented familial relationships to determine a schedule of enrolled activities across each of the children.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: April 5, 2022
    Assignee: UPBUP INC.
    Inventors: Joshua Edmonds, Igor Akhmedov, Dmitri I. Akhmedov
  • Patent number: 11295305
    Abstract: Techniques are disclosed relating to determining a risk score for domains associated with a transaction. In some embodiments, a transaction computer system receives transaction details for a transaction between a consumer and a merchant, where the transaction details are received from the merchant real-time with the transaction and include a set of transaction URLs for subsequent use in the transaction. The computer system may receive, from a browser of the consumer that is used to initiate the transaction, URL referrer information real-time with the transaction, where the URL referrer information indicates a referring web page to the transaction computer system. The computer system may determine, using the set of transaction URLs and the URL referrer information, a set of domains for the transaction and then determine a risk score for the set of domains. The computer system may determine, based on the risk score, whether to allow the transaction.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: April 5, 2022
    Assignee: PayPal, Inc.
    Inventors: Bradley Wardman, Jakub Burgis
  • Patent number: 11276035
    Abstract: A system and method for real-time predictive financial, inventory, and staffing management. The system is a cloud-based network containing a predictive cashflow management engine, payment engine, predictive inventory management engine, inventory optimization engine, predictive staffing management engine, staff optimization engine, mobile and compute devices, staff and vendors, gateways for vendors and staff to interface with financial institutions and other 3rd party businesses, enterprise database to store and retrieve including financial data, staffing data, and inventory data. Taken together or in part, optimize organizational operations by predicting and optimizing in real-time key operational decisions using artificial intelligence or other computerized methods around financial, staffing, and inventory management based upon a multitude of variables associated with the enterprise.
    Type: Grant
    Filed: January 20, 2021
    Date of Patent: March 15, 2022
    Assignee: ROCKSPOON, INC.
    Inventor: Nagib Georges Mimassi
  • Patent number: 11276116
    Abstract: A system for data collection and loan activities is disclosed. The system may include a data collection circuit to receive data relating to a status of a loan and a set of items of collateral acting as security for the loan. The system may further include a blockchain service circuit to maintain a secure historical ledger of events related to the loan, and to interpret a plurality of access control features corresponding to parties associated with the loan. The system may further include a loan evaluation circuit to determine a loan status based on the received data, a smart contract circuit to create a smart lending contract for the loan, and an automated agent circuit to perform a loan action based on the loan status, wherein the blockchain service circuit is further structured to update the secure historical ledger of events with the loan action.
    Type: Grant
    Filed: March 2, 2020
    Date of Patent: March 15, 2022
    Assignee: Strong Force TX Portfolio 2018, LLC
    Inventor: Charles Howard Cella
  • Patent number: 11276071
    Abstract: A unified model for a neural network can be used to predict a particular value, such as a customer value. In various instances, customer value may have particular sub-components. Taking advantage of this fact, a specific learning architecture can be used to predict not just customer value (e.g. a final objective) but also the sub-components of customer value. This allows improved accuracy and reduced error in various embodiments.
    Type: Grant
    Filed: August 31, 2017
    Date of Patent: March 15, 2022
    Assignee: PayPal, Inc.
    Inventors: Shiwen Shen, Danielle Zhu, Feng Pan
  • Patent number: 11276046
    Abstract: A system, method, and computer-readable medium for performing a payment tracking operation. Factors, that include input, features and attributes of various customers are received and processed. The processing includes imputing, deleting and converting the factors for further refinement for machine learning. The machine learning processes the factors using succeeding layers that include random forest to categorize customers, multivariate regression to determine which factors have the greatest effects on payment. In addition, a recurrent neural network approach is used to further refine the factors and provide a more accurate analysis.
    Type: Grant
    Filed: October 16, 2018
    Date of Patent: March 15, 2022
    Assignee: Dell Products L.P.
    Inventor: Venkata Chandra Sekar Rao
  • Patent number: 11270344
    Abstract: Apparatuses, system, methods, and computer program products are presented for presenting content based on location. A location module monitors location data from one or more sensors of a hardware device for a user relative to a plurality of target locations. A target location is associated with one or more items for sale. A selection module selects an offer to finance an item for sale for a user based at least in part on financial transaction data for the user. An offer module dynamically provides an offer to a user in response to monitored location data from one or more sensors satisfying a target location.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: March 8, 2022
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 11269604
    Abstract: A system and method for analyzing a performance of computer code. A method includes scanning a graph to identify a plurality of calls to executable code, individual nodes of the graph representing different calls to be taken by the executable code; determining a score for individual nodes of the graph based on resources required to perform the call represented by that node, the call being one that consumes substantial resources of a computing system to accomplish an operation; adjusting the score of individual nodes that are associated with repetitive action nodes in the graph; and generating recommendations to improve performance of the computer code based on scores indicative of substantial resource consumption.
    Type: Grant
    Filed: June 16, 2021
    Date of Patent: March 8, 2022
    Assignee: CITRIX SYSTEMS, INC.
    Inventors: Himanshu Parihar, Max Aristilde, Nitin Kumar Mathur
  • Patent number: 11270340
    Abstract: Methods and corresponding systems for automatic frequency capping provide an automated decision-making process that decides dynamically how often the content of electronic communications from an entity should be sent to any specific customer or potential customer for a particular campaign. An individual customer's or potential customer's optimal electronic communication frequency is determined using machine learning and is based on behavior data.
    Type: Grant
    Filed: June 21, 2019
    Date of Patent: March 8, 2022
    Assignee: Bluecore, Inc.
    Inventors: Gino Knodel, Sophia Emma Nina Collet, Chen Huang, Zahi Nadim Karam, Bryan Estes, Max Solomon Bennett
  • Patent number: 11263251
    Abstract: Provided is a method for determining output data for a plurality of text documents, including the steps of: providing a feature matrix as input data; wherein the feature matrix includes information about frequencies of a plurality of features within the plurality of text documents; clustering the feature matrix using a clustering algorithm into at least one clustering matrix; wherein the at least one clustering matrix includes information about the cluster membership of each document of the plurality of documents or each feature of the plurality of features, assigning at least one score to each feature of the plurality of features based on the at least one clustering matrix; ranking the plurality of features based on their assigned scores; and outputting the ranked features as output data. A corresponding computer program product and system is also provided.
    Type: Grant
    Filed: April 16, 2019
    Date of Patent: March 1, 2022
    Assignee: SIEMENS AKTIENGESELLSCHAFT
    Inventor: Mark Buckley
  • Patent number: 11263663
    Abstract: By intercepting a natural language communication of a protected party, the communication is monitored, wherein the protected party is a human being. Within the monitored communication using a natural language processing engine, a natural language interaction between the protected party and a second party is detected. To determine an interaction pattern, the natural language interaction is analyzed. The interaction pattern includes data derived from the monitored communication, metadata of the protected party, and metadata of the second party. Using the interaction pattern and an interaction behavior model, an adverse result of the natural language interaction is predicted, wherein the adverse result comprises an economic loss to the protected party. By notifying the protected party, the predicted adverse result is intercepted.
    Type: Grant
    Filed: July 11, 2019
    Date of Patent: March 1, 2022
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Daniel M. Gruen, Nicola Palmarini, Olivia Choudhury, Panagiotis Karampourniotis, Issa Sylla, Morgan Foreman
  • Patent number: 11263616
    Abstract: An information processing method executed by one or more processors included in an information processing apparatus. The method includes obtaining a notice indicating that a deferred payment has been selected for a settlement of a price of a product on a website; identifying a seller to which the settlement is to be made; receiving a request for settlement on an amount of money determined based on information including information on delivery of the product and information on the price of the product; and advancing the settlement in a case where the amount of money is less than or equal to an upper limit of an amount of settlement using the deferred payment allowed for a user.
    Type: Grant
    Filed: December 2, 2019
    Date of Patent: March 1, 2022
    Assignee: Mercari, Inc.
    Inventors: Megumi Tada, Masataka Nakajima, Hiroaki Tanaka, Kentaro Kumagai
  • Patent number: 11257152
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for optimizing resource allocation. The method may comprise: receiving a resource request from a user; iterating through a plurality of entities to obtain a corresponding score for each entity based at least on: a projected approval rate for the entity to approve the resource request, a projected risk for the entity to serve the resource request, and one or more multipliers applied to the projected approval rate and the projected risk; and recommending one of the plurality of entities to serve the resource request for the user based on the corresponding score, wherein the one or more multipliers are obtained by solving an optimization model constructed based on historical data collected from a previous period of time, the historical data comprising approval rates projected for the plurality of entities during the previous period of time.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: February 22, 2022
    Assignee: ALIPAY (HANGZHOU) INFORMATION TECHNOLOGY CO., LTD.
    Inventors: Gan Liu, Zhigang Hua, Zhen Wang, Shuang Yang
  • Patent number: 11257151
    Abstract: A system and method of an automated agent to automatically implement loan activities includes a data collection circuit structured to receive data related to at least one of a plurality of parties to a loan; a smart contract circuit structured to create a smart lending contract for the loan; and an automated agent circuit structured to automatically perform a loan-related action in response to the received data, wherein the loan-related action is a change in an interest rate for the loan, and wherein the smart contract circuit is further structured to update the smart lending contract with the changed interest rate.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: February 22, 2022
    Assignee: Strong Force TX Portfolio 2018, LLC
    Inventor: Charles Howard Cella
  • Patent number: 11250334
    Abstract: Methods, systems, and apparatus for solving optimization tasks. In one aspect, a system includes one or more classical processors and one or more quantum computing resources, wherein the one or more classical processors and one or more quantum computing resources are configured to perform operations comprising receiving input data comprising data specifying a computational task to be solved; processing the received input data using a first quantum computing resource to generate data representing a reduced computational task, wherein the reduced computational task has lower dimensionality that the computational task; and processing the data representing the reduced computational task to obtain a solution to the computational task.
    Type: Grant
    Filed: April 19, 2017
    Date of Patent: February 15, 2022
    Assignee: Accenture Global Solutions Limited
    Inventors: Andrew E. Fano, Jurgen Albert Weichenberger
  • Patent number: 11250425
    Abstract: In various example embodiments, a system and method for generating a statistic using transaction data are presented. Transaction data is received, the transaction data regarding transactions performed by a set of merchants. An activity filter is generated based on the transaction data. A set of active merchants that each performs the threshold amount of transaction activity during a period of time is selected. A statistic is generated based on the transaction data.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: February 15, 2022
    Assignee: Palantir Technologies Inc.
    Inventors: Aaron Jaffe, Albert Altarovici, Daniel Moulton, David Montague
  • Patent number: 11250365
    Abstract: Systems and methods for utilizing compliance drivers to conserve system resources are provided. Data that corresponds to a pre-determined historical period may be used. A method may extract issue information, regulations data, operations loss data, drivers data, pending activities data and/or pending examinations data. The method may perform a plurality of transformations on the issue information, the drivers data, the regulations data, and the operations loss. The transformations may apply enterprise compliance hierarchy information and transform the data associated with the issue information, the drivers data, the regulations data, and the operations loss data into quarterly information. The method may include performing transformations on issue information, regulations data, operations loss data and drivers data. The method may perform final transformations in order to either allocate resources to remediate a compliance trend, remediate a compliance projection, or correct a current compliance issue.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: February 15, 2022
    Assignee: Bank of America Corporation
    Inventors: Ashok Rao, Rachel Nemecek, Matthew Prue, Kate Cibotti, Cynthia A. Nutini
  • Patent number: 11244317
    Abstract: Examples of the disclosure enable a financial transaction to be automatically confirmed based on a similarity of factors between financial transactions. A previous case action may be used for a decision of confirming a financial transaction. A first request for authorization of a first financial transaction is received from a financial transaction processing computing device. One or more parameters associated with a cardholder account are identified, and it is determined, at a transaction score device, whether to approve the first request for authorization based on the one or more identified parameters. On condition that the first request for authorization is approved, the one or more parameters are updated based on one or more first factors associated with the first financial transaction such that a second request for authorization of a second financial transaction is analyzable based on the one or more updated parameters.
    Type: Grant
    Filed: November 3, 2015
    Date of Patent: February 8, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Srinivasarao Nidamanuri, Daryl William Hurt
  • Patent number: 11244533
    Abstract: A wireless communications system is provided. A computer system runs on at least one platform on which a plurality of different lottery transactions for different jurisdictions are supported and run from the at least one platform. The system allows for play of a lottery transaction by a pool of at least two participants. At least one computer readable storage medium stores computer executable instructions that, when executed by the at least one network processor in the workflow server residing in the mobile communications network, implement components including: a workflow module comprising sets of workflow instructions for processing different types of lottery game packets from a plurality of different jurisdictions; and a deep packet inspection module for inspecting a received lottery game packet and providing information about the lottery game packet to the workflow module.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: February 8, 2022
    Assignee: LOTTERY NOW, INC.
    Inventor: Gregory Ovalle
  • Patent number: 11244032
    Abstract: A method for creating and exchanging a copyright for each artificial intelligence (AI)-generated multimedia is described. An AI model and a reference input for a multimedia is received from a user. If the reference input complies with system policies, an AI-generated multimedia is generated from the reference input using the AI model. The AI-generated multimedia is compared against works of a same type in a blockchain and decentralized file storage and if the AI-generated multimedia fails to match the works, the AI-generated multimedia is categorized as having originality. A copyright for the AI-generated multimedia and the AI-generated multimedia is stored. An exchange is facilitated with a buyer using cryptocurrency and is written to a blockchain.
    Type: Grant
    Filed: March 24, 2021
    Date of Patent: February 8, 2022
    Assignee: Oraichain Pte. Ltd.
    Inventor: Diep Thi Ngoc Nguyen
  • Patent number: 11244256
    Abstract: A system and method for enhancing assignment of debtor accounts to a plurality of collection parties is presented. The preferred embodiment is capable of optimizing the way by which individual performance entities are assigned to collect on actionable individual debtor accounts by a creditor. An analysis solution uses algorithms to analyze gathered data and to provide a score to each collection party based upon the traits of the individual collection parties, debtor accounts, creditor, externally acquired data, and constraints upon all of the parties involved. The system and method are also capable of enhancing an individual borrower's credit score depending on the risk involved with providing credit to that particular borrower based upon the collectability upon default. One embodiment of the invention would include a risk analysis and compliance assessment system for supply entities to evaluate potential performance entities or other entities.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: February 8, 2022
    Assignee: Neu IP, LLC
    Inventors: Ryan A. Neuweg, David E. Bauer, José Eduardo Bastos Dos Santos
  • Patent number: 11244386
    Abstract: Systems and methods consistent with the present invention generate a model for providing one or more scores indicating a likelihood that a stated income is faulty. In one embodiment, the method includes, for example, receiving information representative of at least one borrower; receiving a first income value for the at least one borrower; and receiving a second value for the at least one borrower, such that the second income value verifies the first income value. Moreover, the method includes determining one or more parameters for the model based on the received information, the received first income value, and the received second income value, such that the one or more parameters enable the model to provide the one or more scores.
    Type: Grant
    Filed: March 5, 2013
    Date of Patent: February 8, 2022
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Michael G. Bradley, J. Douglas Gordon, Pamela W. Sims
  • Patent number: 11238528
    Abstract: A system for analyzing risk using machine learning models may be trained using a data set to generate a risk assessment model that is optimized for metrics commonly used in for financial risk evaluation. The metrics may include Gini and CaptureRate, for example. The system may receive a request for a financial service, and generate a risk assessment by applying the risk assessment model to factors associated with the request. The system may also decide on the request in response to the risk assessment.
    Type: Grant
    Filed: December 22, 2016
    Date of Patent: February 1, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Vishwa Vinay
  • Patent number: 11238529
    Abstract: A system for facilitating a mortgage fulfillment process between a mortgage processor computing device and a borrower computing device is provided. The system comprises a mortgage operations module and a borrower interface module that are configured to allow for the communication and display of an identification of a plurality of required mortgage application documents, the association of a data file with one or more of the plurality of required mortgage application documents, the communication of the associated data file, and displaying an indicia that such data file was communicated. A method for implementing the processes described herein is also provided.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: February 1, 2022
    Assignee: Sutherland Global Services Inc.
    Inventors: Krishnan Swaminathan, Premanandh Premkumar, Velavan Nachimuthu, Mohan Kandasamy, ManiSelvan Selvaraj, Subramanian Avadaiappan, Ganesh RajMohan Parimelazhagan
  • Patent number: 11238531
    Abstract: Systems, methods, and computer program products to provide credit decisioning based on graph neural networks. A lending network graph of a plurality of loans may be received, each loan associated with a creditor and one account. A first node of the graph may be associated with a first creditor and the second node may be associated with a first account. A graph neural network may receive a respective message from each node connected to the first node, each message comprising an embedding vector reflecting a current state of the node. The graph neural network may update weights for the first node in a forward pass. The graph neural network may receive a respective message from each node connected to the second node, each message comprising the embedding vector reflecting the current state of the node. The graph neural network may update weights for the second node in a backward pass.
    Type: Grant
    Filed: April 24, 2020
    Date of Patent: February 1, 2022
    Assignee: Capital One Services, LLC
    Inventors: Mohammad Reza Sarshogh, Christopher Bruss, Keegan Hines
  • Patent number: 11238530
    Abstract: A method of completing a purchase transaction that includes a loan includes receiving, by a transaction processing logic, a loan application from a network. The method also includes generating, by the transaction processing logic, a plurality of loan terms for the loan application. The method also includes receiving, by the transaction processing logic, a transaction package from the network, where the transaction package includes at least one of the plurality of loan terms and a purchase price. The method also includes tendering, by the transaction processing logic, the purchase price according to the transaction package. The method also includes setting up, by the transaction processing logic, a loan in an account database according to the transaction package.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: February 1, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Nikolai Stroke
  • Patent number: 11232489
    Abstract: System and processes for facilitating the gamification of data, including providing scenarios and actionable elements to allow a user to execute at least one preferred or optimal scenario. The system may collate variables autonomously or variables may be entered by a user, the process may include an analysis step whereby, based on the source, trends, and variation of the variables entered, the process presents gamified scenarios and actionable elements. Within a scenario, the user may then manipulate one or more of the outcomes until at least one desired or optimal scenario is achieved. The user may then action various actionable elements to implement the desired or optimal scenario in a real-world situation. The scenarios provided may be aggregated and presented to a user to further enhance the desired or optimal outcome. The system may use the scenarios to provide temporally relevant advertising or notifications pertinent to a user's real-world actions.
    Type: Grant
    Filed: April 24, 2018
    Date of Patent: January 25, 2022
    Assignee: Consumer Direct, Inc.
    Inventor: David B. Coulter
  • Patent number: 11233789
    Abstract: Apparatuses, systems, methods, and computer program products are disclosed for automated event migration. A method includes aggregating a set of events from one or more servers to a trusted hardware device. Certain different events of a set of events may be associated with different service providers. A method includes identifying, on a trusted hardware device, a repeating event from a set of events. A method includes prompting a user to migrate subsequent instances of a repeating event from one service provider to a different service provider of a plurality of service providers based on a likelihood that the aggregated set of events includes each event for the user of an event type of the aggregated set of events. A method includes migrating subsequent instances of a repeating event, using a user's electronic credentials, from one service provider to a different service provider in response to the user accepting a prompt.
    Type: Grant
    Filed: June 3, 2019
    Date of Patent: January 25, 2022
    Assignee: MX TECHNOLOGIES, INC.
    Inventor: John Ryan Caldwell
  • Patent number: 11232436
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media can be used to facilitate information and access to accounts. One of the methods includes in response to determining that a user has reported a card associated with an account as lost or stolen, providing a user interface option to associate the account with a digital wallet. The method includes in response to receiving a request from a user associating the accord with the digital wallet absent associating a card associated with the account with the digital wallet.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: January 25, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Christopher Patrick Kelley, Jarrod Lawrence Joplin, Daniel Ronald Zaharia, Carly Jean Stevens, Sean Holstien, Cornelius Williams, Trisha Suzanne Mock, Jo Anne Yau, Marisa Pruski, Jeremy Michael Burns, Corinne Burrows Schuster
  • Patent number: 11228691
    Abstract: In an image processing system, an image reading apparatus determines whether an error occurs on a read image that is an image read by an image sensor, and generates and transmits data including the read image and error information that is information indicating presence or absence of occurrence of the error, and an image processing apparatus receives the data and performs, on the read image, image processing corresponding to the presence or absence of occurrence of the error, based on the error information.
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: January 18, 2022
    Assignee: PFU LIMITED
    Inventors: Akiko Watanabe, Naofumi Kado
  • Patent number: 11227332
    Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real-time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real-time relative to when the funds transfer information is initially received.
    Type: Grant
    Filed: April 13, 2017
    Date of Patent: January 18, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Ann M. Kirk, Javier S. Silva
  • Patent number: 11216873
    Abstract: The present invention relates to a new type of financial instrument for trade over an auction platform designed to trade the new financial instrument, a new trading platform and associated system, and a method of trading thereof, and more specifically to a new variable maturity long-term security, such as a bond or, more specifically, a municipal bond.
    Type: Grant
    Filed: September 20, 2013
    Date of Patent: January 4, 2022
    Assignee: Arbor Research Holdings, LLC
    Inventor: Robert Novembre
  • Patent number: 11210734
    Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: December 28, 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: 11205237
    Abstract: Techniques described herein are directed to analyzing intellectual-property data according to provide various intellectual property related services to organizations. In particular implementations, information related to products and/or services may be obtained from a number of data sources. Additionally, information related to intellectual-property assets, such as patents, trademarks, copyrights, trade secrets, and know-how, may be obtained. In various situations, the intellectual-property assets may be mapped to respective products and/or services. The mappings between the products and/or services and intellectual-property assets may be used to provide intellectual property related services that correspond to the intellectual-property assets, such as valuation services, strategy-related services, or risk-related services.
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: December 21, 2021
    Assignee: AON RISK SERVICES, INC. OF MARYLAND
    Inventors: Lewis C. Lee, Daniel Crouse, David Craig Andrews, Samuel Cameron Fleming
  • Patent number: 11205180
    Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.
    Type: Grant
    Filed: October 23, 2020
    Date of Patent: December 21, 2021
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
  • Patent number: 11200615
    Abstract: Order information for an order representing an electronic transaction in the distributed order system for a product or a service is received by one or more processors over a network. A unique order ID and order content based on the received order information are generated. An order vector for the order is created based on the order content. The order is added to an order cluster based on a similarity between the created order vector and a representative order vector corresponding to a representative order in the order cluster. The representative order vector corresponding to the representative order in the order cluster is analyzed to determine if the representative order is malicious. A determination is made as to whether the representative order is malicious. If the representative order is malicious, then malicious order processing is performed on the orders in the order cluster.
    Type: Grant
    Filed: May 15, 2018
    Date of Patent: December 14, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Jiuxi Li
  • Patent number: 11200566
    Abstract: A first service request is received from a source system to perform a first service from a target system user account, where the first service request includes information identifying the user account for both the source system and the target system. Sending the first service request to the target system to load a user account login interface for logging in to the target system user account through the source system. A first service performance result is received from the target system. A mapping relationship between the source system and the target system user account is stored. A second service request is received. The target system user account is identified based on the second service request and the stored mapping relationship. The second service request and the target system user account are sent to the target system for performing the second service.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: December 14, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Huan Wang
  • Patent number: 11195530
    Abstract: A voice analysis (VA) computer system for processing verbally inputted data into online applications is provided. The VA computer system is configured to receive a first set of digital sound data in connection with a request to process an online or virtual application for an applicant, and enable a voice-input tool on a user computing device for the applicant to input registration data, the registration data included in a second set of digital sound data. The VA computer system is configured to retrieve a text-based template based upon a portion of the registration data, the text-based template including descriptor phrases and blank data fields. The VA computer system may be configured to receive the registration data as the second set of digital sound data, translate the second set of digital sound data into text inputs, and store within a database, each descriptor phrase linked to the corresponding response associated therewith.
    Type: Grant
    Filed: January 28, 2019
    Date of Patent: December 7, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventor: Sateesh Mannar