Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
  • Patent number: 10095888
    Abstract: A node associated with an organization may receive a storage identifier for new credit data associated with an individual. A distributed ledger and distributed data sources may be used to share the new credit data with a network of nodes. The node may update a smart contract with the storage identifier for the new credit data. The node may receive, from a particular device associated with the organization, a request for the new credit data. The node may obtain the storage identifier for the new credit data from the smart contract. The node may obtain the new credit data by using the storage identifier to search the distributed data sources. The node may provide the new credit data to the particular device. The node may perform actions to obtain additional new credit data from the distributed data sources or provide the additional new credit data to the distributed data sources.
    Type: Grant
    Filed: June 4, 2018
    Date of Patent: October 9, 2018
    Assignee: Capital One Services, LLC
    Inventors: Jonathan Lee, Steve Frensch, Ethan Greig, Anna-Maria Nalepa, Zheng Jian
  • Patent number: 10083481
    Abstract: A method for treating information technology (IT) risk of an organization including identifying a plurality of IT risks, where each of the plurality of IT risks is based on a known problem and is associated with an IT asset classification and an IT consequence classification, calculating a plurality of IT risk exposure indices, where each of the plurality of IT risk exposure indices is associated with at least one of the plurality of IT risks, adjusting each of the plurality of IT risk exposure indices based on a business impact factor to obtain a business impact index, prioritizing the plurality of IT risks by adjusting the business impact index based on a risk treatment factor to obtain a prioritized risk treatment index, and selecting at least one of the plurality of IT risks for treatment based upon the prioritized risk treatment index.
    Type: Grant
    Filed: February 2, 2006
    Date of Patent: September 25, 2018
    Assignee: Oracle America, Inc.
    Inventors: Jefre E. Futch, Andrew J. Gonczi, Roberta J. Mason, Ingrid C. Stuckenberg
  • Patent number: 10068065
    Abstract: Examples disclosed herein relate to assignment of a machine-readable link to content as a payoff. Examples include acquisition of an email message specifying an external link identifier, and identification of a machine-readable link to which the external link identifier is assigned in a linking service. Examples further include, based on the email message, a linking platform being caused to assign the machine-readable link to content as the payoff for the machine-readable link.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: September 4, 2018
    Assignee: Hewlett-Packard Development Company, L.P.
    Inventor: Sandeep Matti Prabhu
  • Patent number: 10068287
    Abstract: Systems and methods are provided for creating and using versions of a shared virtual card. In one example, a system for sharing stored value is provided. The system may include a virtual card manager configured to manage one or more shared virtual cards and a first computing device including a virtual card engine executable by a processor to manage the shared virtual card. The first computing device may be communicatively coupled to the virtual card manager via a network. In the example, stored value of the shared virtual card may be split between a first version and a second version. The first version may receive a first portion of the stored value and the second version may receive a second portion of the stored value; the first version available for use on the first computing device and the second version available for use on a second computing device.
    Type: Grant
    Filed: June 10, 2011
    Date of Patent: September 4, 2018
    Inventors: David A. Nelsen, Michael J. Fletcher
  • Patent number: 10068294
    Abstract: A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranch
    Type: Grant
    Filed: May 2, 2014
    Date of Patent: September 4, 2018
    Assignee: Island Intellectual Property LLC
    Inventors: Bruce Bent, Bruce Bent, II, Rebecca Gareis Bent, David Edgar Gareis
  • Patent number: 10069884
    Abstract: A streaming video playback system is provided to generate locally a manifest file associated with a streaming video for a media player of a client device. The locally generated manifest file helps reduce startup time for the media player and the manifest file is locally generated based on streaming metadata associated with the streaming video and the manifest files includes HTTP Live Streaming (HLS) based master playlists and media playlists. The locally generated manifest file also provides better adaptive bit rate control by enabling pre-fetching of video segments of a streaming video and caching during playback. The streaming video playback system reduces the size of media playlist transmitted to a content sharing service using index of the last video segment and makes it practical to have DVR-able live video streaming with a larger seek window.
    Type: Grant
    Filed: May 19, 2017
    Date of Patent: September 4, 2018
    Assignee: GOOGLE LLC
    Inventors: Robert Christopher Gaunt, Pavel Pergamenshchik
  • Patent number: 10068074
    Abstract: Techniques described herein relate to generating and managing digital credentials using a digital credential platform in communication with various digital credential template owners and digital credential issuers. In some embodiments, a digital credential platform server may receive and coordinate requests and responses between the digital credential template owners and a set of digital credential issuers, to determine which digital credential issuers are authorized to issue digital credential based on which digital credential templates. The digital credential platform server may provide the authorized issuers with access to particular digital credential templates and the functionality to issue digital credentials to users based on any of the particular digital credential templates. Additional techniques described herein relate to tracking, analyzing, and reporting data metrics for issued digital credentials.
    Type: Grant
    Filed: March 25, 2016
    Date of Patent: September 4, 2018
    Assignee: CREDLY, INC.
    Inventors: Mark Thomas Mercury, Kurt Jarin Schmidt
  • Patent number: 10062110
    Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.
    Type: Grant
    Filed: November 18, 2009
    Date of Patent: August 28, 2018
    Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)
    Inventors: Menner Tatang, J. Douglas Gordon, Ming Xiong, Shaojie Chen
  • Patent number: 10062121
    Abstract: According to some embodiments, account information may be received in connection with a potential insurance policy. A premium indication portal processor may receive, from a risk score model application, an account score matrix for the potential insurance policy, including grade values comparing the account information with other insured policies in a risk database, along with a benchmark premium value calibrated to a target return on equity based on the account information and information in the risk database. The account score matrix may be displayed on an underwriter device, and guide indication adjustments may be received from the underwriter device for the potential insurance policy. The premium indication portal processor may then automatically calculate an adjusted premium value calibrated to the target return on equity based at least in part on the guide indication adjustments.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: August 28, 2018
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Eric D. Besman, Jeffery T. Hay, Douglas Joseph Onnen, Pamela Sealand Reale, Joseph E. Wells, II
  • Patent number: 10062117
    Abstract: Providing a property replacement loan offer to a customer that has lost property in a total loss event where the offer is provided automatically in response to an indication of the total loss event. The invention includes computer-based processes that collect customer-specific data for the customer whose property is involved in the total loss event and using this data to prequalify the customer for the property replacement loan. The processing includes accessing a credit bureau to receive data related to the customer's credit.
    Type: Grant
    Filed: June 6, 2012
    Date of Patent: August 28, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Leif A. Roll, Jun Wu, John F. Johnson, Kimberly D. Leigh
  • Patent number: 10055788
    Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: August 21, 2018
    Assignee: Federal Home Loan Morgage Corporation
    Inventors: Menner Tatang, J. Douglas Gordon, Ming Xiong, Shaojie Chen
  • Patent number: 10049332
    Abstract: Information related to tasks and resources is leveraged in a computer system to assign one or more new tasks to one or more resources. The approach relies upon historical and predictive data associated with the tasks and resources of a system to assign tasks to resources in a manner which seeks to optimize one or more qualities of task handling. Tasks can then be distributed to their respective resources according to a task assignment so that they may be handled.
    Type: Grant
    Filed: March 11, 2015
    Date of Patent: August 14, 2018
    Assignee: Accenture Global Services Limited
    Inventors: David C. Jones, Sergio A. Salas, John Fults, Michael J. Flanagan
  • Patent number: 10050988
    Abstract: A system, method, and computer program product are provided for a database associating a plurality of device vulnerabilities to which computing devices can be subject with a plurality of remediation techniques that collectively remediate the plurality of device vulnerabilities. Each of the device vulnerabilities is associated with at least one remediation technique. Each remediation technique associated with a particular device vulnerability remediates that particular vulnerability. Further, each remediation technique has a remediation type are selected from the type group consisting of patch, policy setting, and configuration option. Still yet, a first one of the device vulnerabilities is associated with at least two alternative remediation techniques.
    Type: Grant
    Filed: August 3, 2015
    Date of Patent: August 14, 2018
    Assignee: SecurityProfiling, LLC
    Inventors: Brett M. Oliphant, John P. Blignaut
  • Patent number: 10037350
    Abstract: Systems, methods, and computer program products are provided for creating and using a common, generic, data/object model to represent information grids or lookup tables, such as a mortgage asset pricing information grid, mortgage asset re-pricing grid, and credit risk pricing grid. The common model allows a common software representation for logically different attributes.
    Type: Grant
    Filed: November 9, 2012
    Date of Patent: July 31, 2018
    Assignee: FEDERAL HOME LOAN MORTGAGE CORPORATION (FREDDIE MAC)
    Inventors: Mark E. Seal, James Quartey, Suresh S. Kalkavery
  • Patent number: 10032039
    Abstract: The program controls access to data objects stored on a tangible device of a computer system within an enterprise. A user request to access a data object identifies a user role by looking up the user identification in an enterprise directory. The program determines whether the role of the user is permitted access to a system and also determines a risk score representing a risk of dissemination of the requested data object. The program compares the risk score of the requested data object to a pre-configured threshold value of the requested data object and controls access to the requested data object, based on the role of the user, and the risk score associated with the risk of disseminating the requested data object.
    Type: Grant
    Filed: December 18, 2017
    Date of Patent: July 24, 2018
    Assignee: International Business Machines Corporation
    Inventors: Ivan M. Milman, Martin Oberhofer, Sushain Pandit
  • Patent number: 10021124
    Abstract: A system, method, and computer program product are provided for a database associating a plurality of device vulnerabilities to which computing devices can be subject with a plurality of remediation techniques that collectively remediate the plurality of device vulnerabilities. Each of the device vulnerabilities is associated with at least one remediation technique. Each remediation technique associated with a particular device vulnerability remediates that particular vulnerability. Further, each remediation technique has a remediation type are selected from the type group consisting of patch, policy setting, and configuration option. Still yet, a first one of the device vulnerabilities is associated with at least two alternative remediation techniques.
    Type: Grant
    Filed: August 3, 2015
    Date of Patent: July 10, 2018
    Assignee: SecurityProfiling, LLC
    Inventors: Brett M. Oliphant, John P. Blignaut
  • Patent number: 10019711
    Abstract: Computer-implemented methods and systems for processing of online payment transactions are provided. An example method comprises registering a merchant with a payment service to create a merchant account and registering a user with the payment service to create a user account. The merchant can registers an entitlement with the payment service to receive a payment service entitlement identifier. A payment request associated with the entitlement is received from a user. The payment request includes the entitlement identifier associated with the payment service or with the merchant and a payment amount. A database is queried to validate the entitlement identifier and a price and, upon successful validation, the user account is credited with purchasing the entitlement, and the payment amount is transferred from the user account to the merchant account.
    Type: Grant
    Filed: September 12, 2013
    Date of Patent: July 10, 2018
    Inventor: Edward Adam Lerner
  • Patent number: 10019411
    Abstract: Techniques for estimated compound probability distribution are described. An apparatus may comprise a configuration component, perturbation component, sample generation controller, an aggregation component, a distribution fitting component, and statistics generation component. The configuration component may be operative to receive a compound model specification and candidate distribution definition. The perturbation component may be operative to generate a plurality of models from the compound model specification. The sample generation controller may be operative to initiate the generation of a plurality of compound model samples from each of the plurality of models. The distribution fitting component may generate parameter values for the candidate distribution definition based on the compound model samples. The statistics generation component may generate approximated aggregate statistics. Other embodiments are described and claimed.
    Type: Grant
    Filed: February 19, 2015
    Date of Patent: July 10, 2018
    Assignee: SAS Institute Inc.
    Inventor: Mahesh V. Joshi
  • Patent number: 10012765
    Abstract: A method and system for forecasting the conditions of locations is provided. The method includes receiving in real time from a user in a specified location, a specified future timeframe associated with a future condition of the specified location. Multiple condition data sets associated with an element of the specified location are simultaneously retrieved and a best fit polynomial equation associated with predicting a future condition of the element is selected. Condition score values associated with future conditions of the element are calculated. An overall condition score value associated with an aggregation of individual condition score values is calculated and presented.
    Type: Grant
    Filed: February 12, 2015
    Date of Patent: July 3, 2018
    Assignee: International Business Machines Corporation
    Inventors: Richard M. Haas, Randy S. Johnson, Tedrick N. Northway, H. William Rinckel
  • Patent number: 9996880
    Abstract: A system, method and computer program product for receiving information relating to a financial account of an individual from at least one first data provider; receiving information relating to at least one of an identity theft expense reimbursement insurance policy of the individual, a public information relating to the individual, an identity theft risk score of the individual, a credit card registry of the individual, a backup data relating to the individual, a background information of the individual, and a business report relating to the individual, from at least one second data provider; and preparing a report relating to the individual's identity theft based on the information.
    Type: Grant
    Filed: February 28, 2007
    Date of Patent: June 12, 2018
    Assignee: Intersections, Inc.
    Inventors: Mark Andringa, Lisa Glau, Jonathan Slaton
  • Patent number: 9979822
    Abstract: A method and system of controlling telephony sessions, the method comprising the steps of providing a platform server operated by a service provider, the platform server programmed to perform the steps of, providing an interface for use by a developer associated with a first client for specifying at least one interactive telephony (IT) application in a scripted language that includes application program interface (API) extensions associated with different IT functions, receiving input via the interface selecting and ordering the IT functions to specify at least a first IT application, storing the at least a first IT application in a database, receiving a call from a first customer, running the first IT application to elicit information from the first customer independent of the first client and in response to input received from the first customer, linking the first customer to a specific phone extension associated with the first client.
    Type: Grant
    Filed: May 4, 2017
    Date of Patent: May 22, 2018
    Assignee: Mitel Networks, Inc.
    Inventors: Andrew M Brezinsky, Andrew L Ortlieb, Thomas J Kells, Brian D Moe
  • Patent number: 9972048
    Abstract: Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: May 15, 2018
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Michael John Dean, Mark Joseph Kapczynski
  • Patent number: 9954883
    Abstract: A set of attributes of a particular asset of a computing environment is identified that are determined from data collected by one or more utilities in the computing environment. A criticality rating is automatically determined for the particular asset based at least in part on the set of attributes. A security activity is caused to be performed relating to the particular asset based on the automatically determined criticality rating of the particular asset.
    Type: Grant
    Filed: December 18, 2012
    Date of Patent: April 24, 2018
    Assignee: McAfee, Inc.
    Inventors: Ratinder Paul Singh Ahuja, Sven Schrecker
  • Patent number: 9948788
    Abstract: A system and method for preventing illicit use of a telephony platform that includes enrolling a plurality of accounts on a telecommunications platform, wherein an account includes account configuration; at a fraud detection system of the telecommunications platform, receiving account usage data, wherein the usage data includes at least communication configuration data and billing configuration data of account configuration and further includes communication history of the plurality of accounts; calculating fraud scores of a set of fraud rules from the usage data, wherein at least a sub-set of the fraud rules include conditions of usage data patterns between at least two accounts; detecting when the fraud scores of an account satisfy a fraud threshold; and initiating an action response when a fraud score satisfies the fraud threshold.
    Type: Grant
    Filed: February 23, 2017
    Date of Patent: April 17, 2018
    Assignee: Twilio, Inc.
    Inventors: Adam Ballai, Robert C. Hagemann, III, Daniel Zarick
  • Patent number: 9948771
    Abstract: A method of using an interactive voice response system, the method including: from a trunk interface, receiving an inbound communication from a caller, the inbound communication received at the interactive voice response apparatus; at the interactive voice response apparatus, receiving a number associated with the inbound communication, the number indicative of a location of the caller; playing, as at least one interactive voice response by the interactive voice response apparatus, a recorded message to the caller; querying a memory containing call referral data for each of a plurality of services, using the number, to obtain a phone number for one of the services associated with the location of the caller, the querying carried out by the interactive voice response apparatus; and connecting, by the interactive voice response apparatus, the inbound communication to an outbound communication line to connect the caller with the phone number for the one of the services associated with the location of the caller.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: April 17, 2018
    Inventor: Peter K. Trzyna
  • Patent number: 9940664
    Abstract: An electronic device for receiving an account identifier is described. The device includes display; one or more processors; and memory storing one or more programs. The device displays a user interface that includes an area for receiving an account identifier and a first set of candidates for a first set of characters. The device detects a selection of a first candidate of the first set of candidates. In response, the device displays characters in the first candidate in the area. The device, subsequent to detecting the selection of the first candidate, receives a manual input of each character in one or more sets of characters; and displays, in the area, characters in the one or more sets of characters concurrently with at least the characters in the first candidate. A corresponding method and a computer readable storage medium storing one or more programs for execution by the electronic device are also described.
    Type: Grant
    Filed: January 2, 2015
    Date of Patent: April 10, 2018
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Maocai Li, Chang He
  • Patent number: 9940674
    Abstract: A dynamic computer system assists users in selecting insurance coverage types and levels appropriate for their present financial circumstances. The computer system includes a graphical user interface (GUI) representative of a user's financial data and coverage recommendations. The system may further access third party data to validate and enrich coverage determinations.
    Type: Grant
    Filed: June 7, 2013
    Date of Patent: April 10, 2018
    Assignee: Hartford Fire Insurance Company
    Inventors: Tamara L. Diefendorf, Pallavi J. Patel, Daniel F. McCoy, Kathyann Bentley
  • Patent number: 9934532
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for order routing. One of the methods includes receiving a request for quote from a user, the request for quote indicating that the first user is to be anonymous during the negotiation. The method also includes selecting counterparties to receive the request for quote. The method also includes sending the request for quote to the selected counterparties absent revealing the identity of the user. The method also includes receiving prices from the counterparties, each price associated with a counterparty. The method also includes presenting the prices to the user.
    Type: Grant
    Filed: September 19, 2012
    Date of Patent: April 3, 2018
    Assignee: Javelin Capital Markets LLC
    Inventors: James Cawley, Christopher Koppenheffer
  • Patent number: 9924362
    Abstract: A system and method of supporting controlled access to multimedia information and media-related services via a broadband access gateway is disclosed. A plurality of user manageable tiers of access privilege may be implemented by the broadband access gateway, that may support communication using, for example, a wireless personal area network and a broadband network. A different degree of user authentication and/or identification may be established for each of the tiers, and users may be restricted in their access to multimedia information and services by their current tier of access privilege. The multimedia information and services may be provided by a variety of access devices via the personal area network, and from providers accessible via the broadband network connected to the gateway. Examples of access devices include mobile multimedia handsets, personal digital assistants, personal computers, digital cameras, and printers.
    Type: Grant
    Filed: February 12, 2015
    Date of Patent: March 20, 2018
    Assignee: AVAGO TECHNOLOGIES GENERAL IP (SINGAPORE) PTE. LTD.
    Inventors: Jeyhan Karaoguz, Marc Abrams, Nambirajan Seshadri
  • Patent number: 9911157
    Abstract: Methods and systems for an exchange to handle variable derivative product order prices are disclosed. The price of a derivative product order (bid or offer) is updated based on changes in the price of a related underlying product. Price determination variable(s), such as delta and gamma, are used to determine the price of the order. The exchange may periodically recalculate the price without requiring the trader to transmit additional information to the exchange.
    Type: Grant
    Filed: July 2, 2009
    Date of Patent: March 6, 2018
    Assignee: Chicago Mercantile Exchange Inc.
    Inventors: Scott Johnston, John Falck, Charlie Troxel, Jr., James W. Farrell, Shanthi Thiruthuvadoss, Arjuna Ariathurai, David Salvadori
  • Patent number: 9898479
    Abstract: A data distribution system, method and a computer program product therefor. Computers provisioned with operations centers supporting individual locations share resources with organizations in multiple locations. Each operations center receives and evaluates local information for the supported location and selectively provides evaluated information for reuse by other locations. A data exchange agent in each operations center publishes information available from a supported location to a publication subscription unit. The operations center also subscribes to the publication subscription unit for information available from other locations. The publication subscription unit identifies matches between subscriptions and publications. A negotiation unit negotiates matched information transfers between operations centers.
    Type: Grant
    Filed: April 14, 2015
    Date of Patent: February 20, 2018
    Assignee: International Business Machines Corporation
    Inventors: Marcos Dias De Assuncao, Silvia Cristina Sardela Bianchi, Marco Aurelio Stelmar Netto
  • Patent number: 9900229
    Abstract: A state of network connectivity of a network interface can be determined by transmitting, via a network interface, requests having respective destinations. A computing device can determine that respective results corresponding to the requests include at least some inconsistent results. A further request can be transmitted having a respective destination. A state of network connectivity of the network interface can be determined based at least in part on a result corresponding to the further request and at least one of the inconsistent results. Destinations can be selected based on respective priority values. An indication can be transmitted of a destination that does not correspond to the state of network connectivity.
    Type: Grant
    Filed: January 29, 2016
    Date of Patent: February 20, 2018
    Assignee: Microsoft Technology Licensing, LLC
    Inventor: Madis Kaal
  • Patent number: 9870589
    Abstract: Credit utilization of a plurality of credit lines associated with a consumer may be stored and/or determined for multiple points in time. Credit utilization at each point in time may be used to indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. A computer system may determine one or more thresholds for respective credit lines, which may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.
    Type: Grant
    Filed: March 13, 2014
    Date of Patent: January 16, 2018
    Assignee: Consumerinfo.com, Inc.
    Inventors: Karl Arnold, Herbert Harris Hunt, III
  • Patent number: 9852186
    Abstract: Techniques for managing risks with continuous queries are provided. In some examples, a selection of a data object enabled to provide a real-time stream of business event data may be received. The selection may be received by a user associated with the business event data. Additionally, a continuous query language query may be generated. The query may be configured to monitor the real-time stream of business event data for a first metric. In some examples, the a risk indicator associated with a second metric that affects the first metric may be identified. Output events of a pre-existing continuous query language query may be listened to. Further, a real-time visualization of the first metric and/or the second metric may be provided.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: December 26, 2017
    Assignee: Oracle International Corporation
    Inventors: Rahul Herwadkar, Eric Hsiao
  • Patent number: 9852487
    Abstract: A method includes providing a processor and receiving a request to inspect property for sale. The method also includes establishing an audio-visual remote presence connection between at least one buyer and at least one agent, transmitting a plurality of purchase information to at least the buyer, and receiving a plurality of buyer requests for additional information. The method further includes generating, using the processor, a response to at least one of the plurality of buyer requests for additional information and delivering the response to the buyer.
    Type: Grant
    Filed: December 19, 2013
    Date of Patent: December 26, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventors: Anthony Farnsworth, Wayne Hartman, Jonathan Neuse, Andrew Higgins
  • Patent number: 9848090
    Abstract: Systems and methods for selecting offline charging functions per service data flow during a data session over a packet data network. One embodiment comprises a Policy and Charging Rules Function (PCRF) that receives information regarding service data flows initiated during a data session over a packet data network. For each of the service data flows, the PCRF selects an offline charging function for the service data flow based on the information for the service data flow, and provides an identifier for the selected offline charging function to a Policy and Charging Enforcement Function (PCEF). The PCEF may then generate charging requests for the service data flow in response to chargeable events, and route the charging requests to the selected offline charging function based on the identifier.
    Type: Grant
    Filed: January 24, 2012
    Date of Patent: December 19, 2017
    Assignee: Alcatel Lucent
    Inventors: Yigang Cai, Ranjan Sharma
  • Patent number: 9846917
    Abstract: An environment provided by a financial entity in which buyers and sellers may be brought together to initiate and complete a transaction for the purchase of a property for sale or rental. The environment enables sellers to list items together with relevant information that buyers may need to understand the item. Buyers may apply for financing, insurance or other related services to receive approval to purchase properties. A mechanism by which the seller and buyer may communicate enables a negotiation process, scheduling and other processes associated with the sale or rental. After an agreement is reached between the buyer and seller, components associated with the environment, such property and casualty and banking may complete the necessary paperwork, etc. to close the deal.
    Type: Grant
    Filed: December 2, 2013
    Date of Patent: December 19, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventor: Christopher John Watkins, III
  • Patent number: 9836496
    Abstract: Example embodiments relate to a notification system. The notification system accesses a set of components of a first data object, a user having registered to monitor the first data object for modifications. The notification system compares the set of components of the first data object to a previous set of components of the first data object and determines, based on the comparison, that the set of components of the first data object includes at least one modification from the previous set of components of the first data object. In response to determining that the set of components of the first data object includes at least one modification from the previous set of components of the first data object, the notification system notifies the user of the at least one modification to the first data object.
    Type: Grant
    Filed: December 20, 2016
    Date of Patent: December 5, 2017
    Assignee: Palantir Technologies Inc.
    Inventors: Jeremy Liu, Timothy Wilson, Mitchell Beard
  • Patent number: 9830646
    Abstract: Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: November 28, 2017
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Jeremy Wasser, Michelle Felice-Steele, Melinda Nies, Luke Giltner
  • Patent number: 9830450
    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: December 22, 2014
    Date of Patent: November 28, 2017
    Assignee: Interset Software, Inc.
    Inventors: Stephan Jou, Shaun Pilkington
  • Patent number: 9818089
    Abstract: A system and method for making funds of a transaction available to a user before a funding entry clears is provided. The system may be part of an on-line system configured to facilitate payments or fund transfers from users. In example embodiments, a transaction request from a user is received. A risk score indicating a perceived risk involved with releasing funds before the funding entry clears is computed. Funds of the transaction are caused to be released prior to the funding entry clearing a financial institution based on the risk score exceeding a transfer threshold.
    Type: Grant
    Filed: July 3, 2014
    Date of Patent: November 14, 2017
    Assignee: PAYPAL, INC.
    Inventors: Luke Nosek, Chris Richman, Roelof Botha, Maria Lee, Kyle Hansen, Todd Pearson, Denise Aptekar
  • Patent number: 9811830
    Abstract: A user conducts activities, such as researching a product online or visiting a store that sells the product. A user then utilizes a risk analysis system to receive and store user activity data for the user's activities. When a purchase attempt is made with the user's financial account, a merchant sends a transaction request to the risk analysis system. The risk analysis system locates a record for the user and determines whether the product is identified in the user activity data. If the product is identified, the risk analysis system provides a risk score to the merchant indicating that the transaction is unlikely fraudulent. Alternatively, identification of the product provides a positive factor among multiple factors considered in a transaction risk analysis. An absence of the product in the activity can be used as a neutral or negative factor among multiple factors considered in a risk analysis of the transaction.
    Type: Grant
    Filed: July 3, 2013
    Date of Patent: November 7, 2017
    Assignee: GOOGLE INC.
    Inventor: Mathew Cowan
  • Patent number: 9811860
    Abstract: A system and method for defining and processing timed orders are defined. According to one embodiment, a trader may define a timed order by defining an intra-day time trigger or a time period when the timed order should be automatically modified, such as deleted or cancelled/replaced with a new order. In one embodiment, the intra-day time trigger or time period may be dynamically changed to a later time, for example, upon receiving a predetermined user input. Also, the time trigger and time period may be configured to dynamically vary based on any user configurable formula. Also, the timed order may be associated with one or more actions to be taken once the order is deleted, such as sending a new order, for example.
    Type: Grant
    Filed: January 16, 2013
    Date of Patent: November 7, 2017
    Assignee: Trading Technologies International, Inc.
    Inventors: Michael L. Fishbain, Sagy P. Mintz, Stephen J. Murphy
  • Patent number: 9813446
    Abstract: Systems and methods for matching and scoring sameness. In some embodiments, a computer-implemented method is provided, comprising acts of: identifying a plurality of first-degree anchor values from the first digital interaction, wherein the plurality of first-degree anchor values comprise first-degree anchor values X and Y; accessing a profile of the first-degree anchor value X, wherein: the profile of the first-degree anchor value X comprises a plurality of sets of second-degree anchor values; and each set of the plurality of sets of second-degree anchor values corresponds to a respective anchor type and comprises one or more second-degree anchor values of that anchor type; determining how closely the first-degree anchor values X and Y are associated; and generating an association score indicative of how closely the plurality of first-degree anchors are associated, based at least in part on how closely the first-degree anchor values X and Y are associated.
    Type: Grant
    Filed: September 4, 2016
    Date of Patent: November 7, 2017
    Assignee: NuData Security Inc.
    Inventors: Christopher Everett Bailey, Randy Lukashuk, Gary Wayne Richardson
  • Patent number: 9805338
    Abstract: A database system is disclosed for matching related entities. The database system may gather, for example from one or more external data sources, various data items, and optionally calculate aggregate values related to the entities. The database system may further match related entities based on the aggregate values. Data may be gathered via one or more customized requests via specialized application programming interfaces (APIs). The database system may further advantageously receive responses via the specialized APIs, processes and standardize each response, aggregate the responses, and provide the responses for review via dynamic interactive graphical user interfaces.
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: October 31, 2017
    Assignee: Shogun Enterprises Inc.
    Inventors: Anthony Ghosn, Will Matthews, Nikhil Pai, Saurabh Sharan
  • Patent number: 9786012
    Abstract: According to some embodiments, account information may be received in connection with a potential insurance policy. A premium indication portal processor may receive, from a risk score model application, an account score matrix for the potential insurance policy, including grade values comparing the account information with other insured policies in a risk database, along with a benchmark premium value calibrated to a target return on equity based on the account information and information in the risk database. The account score matrix may be displayed on an underwriter device, and guide indication adjustments may be received from the underwriter device for the potential insurance policy. The premium indication portal processor may then automatically calculate an adjusted premium value calibrated to the target return on equity based at least in part on the guide indication adjustments.
    Type: Grant
    Filed: December 16, 2014
    Date of Patent: October 10, 2017
    Assignee: HARTFORD FIRE INSURANCE COMPANY
    Inventors: Eric D. Besman, Jeffery T. Hay, Douglas Joseph Onnen, Pamela Sealand Reale, Joseph E. Wells, II
  • Patent number: 9779257
    Abstract: An orchestrated access system is described herein that provides an access control decision function that is augmented by interfacing with a real-time collaborative communication system that maintains a state of various users' availability to communicate. The orchestrated access system provides real-time approvals for access control scenarios where the policy would not otherwise grant access. The system provides an experience for the requesting user to select an appropriate approver among multiple potential approvers based on the relationship of the potential approver to the requesting user, the relationship of the potential approver to the resource, and the availability of the potential approver for real-time communication. The system can provide a record of approver and request parameters in a database to optimize further interactions. Thus, the orchestrated access system provides an improved experience for granting access to resources within an organization for both the requesting user and the approver(s).
    Type: Grant
    Filed: December 19, 2012
    Date of Patent: October 3, 2017
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventor: Mark Wahl
  • Patent number: 9774616
    Abstract: Systems and methods of evaluation of threats to elements of a client computer application having a cyber reference library, an opponent catalog and a network model. The systems and methods produce a set of analyst reports evaluating the threats to the client computer application. One embodiment of the system for evaluating at least one threat to a client computer application has a threat evaluation engine which performs a plurality of algorithms, where each algorithm of has implementation specific needs for input into the individual algorithm, a threat evaluation results data store, a statistical analysis engine, and an analysis results data store.
    Type: Grant
    Filed: June 26, 2013
    Date of Patent: September 26, 2017
    Assignee: Oppleo Security, Inc.
    Inventors: Roderick A. Flores, Britny Rolston
  • Patent number: 9769192
    Abstract: A system may be broken down into one or more components. Each of the components may be evaluated to ascribe a security score to each of the components. A composite security score may be generated for the system based on the security scores and a rate of decay measure characterizing a probabilistic security degradation of the system. The rate of decay measure may be applied to the composite security score to obtain a current composite security score.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: September 19, 2017
    Assignee: TEMPORAL DEFENSE SYSTEMS, LLC
    Inventors: Mark Tucker, Charles Elden, Jared Karro
  • Patent number: 9767647
    Abstract: A game result index transaction system is connected to at least one game end to allow at least one player to do transaction. An index is generated through an index conversion element based on game results of the game end. The index rises or falls with the game results generated continuously from the game end. Through an index transaction interface of an index transaction system the player can execute transaction of futures against the rise or fall of the index. Thus the invention allows the player to predict the game results of the game end to choose buying or selling of the futures, and get unrealized gain or loss with the rise or fall of the index, and close position to settle the actual gain or loss, therefore forms a novel play to satisfy player's fickle desire for change and excitement.
    Type: Grant
    Filed: December 31, 2014
    Date of Patent: September 19, 2017
    Inventor: Gan Kok En