Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
  • 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: 9767524
    Abstract: Technology is provided for transferring a right to a digital content item based on one or more physical actions detected in data captured by a see-through, augmented reality display device system. A digital content item may be represented by a three-dimensional (3D) virtual object displayed by the device system. A user can hold the virtual object in some examples, and transfer a right to the content item the object represents by handing the object to another user within a defined distance, who indicates acceptance of the right based upon one or more physical actions including taking hold of the transferred object. Other examples of physical actions performed by a body part of a user may also indicate offer and acceptance in the right transfer. Content may be transferred from display device to display device while rights data is communicated via a network with a service application executing remotely.
    Type: Grant
    Filed: May 18, 2015
    Date of Patent: September 19, 2017
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Ryan L. Hastings, Stephen G. Latta, Benjamin I. Vaught, Darren Bennett
  • 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
  • Patent number: 9767519
    Abstract: A system is provided for processing data for surveillance bank cards. The system includes a module for introducing data for surveillance bank cards into a platform for payment by bank card, the module saving bank-card data, inserted into the platform for payment by bank card, to a data base known as a tracking data base. The system also includes a surveillance module for placing under surveillance the activity of the data for surveillance bank cards previously introduced into the platform for payment by bank card, the module saving, to the tracking data base, at least one record of tracking of the use of the bank-card data.
    Type: Grant
    Filed: December 5, 2014
    Date of Patent: September 19, 2017
    Assignee: INGENICO GROUP
    Inventors: Pavel Polechtchouk, David Naccache
  • Patent number: 9762676
    Abstract: Systems and techniques for hardware resource access are disclosed herein. In some embodiments, an apparatus may receive, via a stateless protocol message, a request from an application to pair with a hardware resource of a computing device remote from the apparatus. The apparatus may provide to the computing device, via a stateless protocol message, identifiers of the application and the hardware resource, and may receive, via a stateless protocol message, pairing approval from the computing device. In response to receiving the pairing approval, the apparatus may generate a pairing token that may be used by the application to pair the application with the hardware resource. Other embodiments may be disclosed and/or claimed.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: September 12, 2017
    Assignee: Intel Corporation
    Inventors: Jose A. Olcese, Ricardo A. Morin, Vadim Gore, Suman Sharma, Narasimham Gadiraju
  • Patent number: 9760237
    Abstract: Embodiments of the present disclosure provide user interfaces for overlaying a displayed image of a geographic area with graphical information derived from a plurality of data layers that are received in response to a search query. The graphical information includes graphical indications derived from or included in the first one of the plurality of the data layers that show the locations of the subset of the plurality of land parcels in the geographic area. Other information is also overlaid on the image of the geographic area.
    Type: Grant
    Filed: January 30, 2013
    Date of Patent: September 12, 2017
    Assignee: REDFIN CORPORATION
    Inventors: David Eraker, Adam Michael Dougherty, Edward M. Smith, Stephen Eraker
  • Patent number: 9760963
    Abstract: Examples of systems and methods for wagering on an artist are disclosed. In one example according to aspects of the present disclosure, a computer implemented method for wagering on an artist includes: obtaining, by an electronic exchange of a wagering system server, an initial value for a metric related to the artist from a popularity profiling system server; receiving, by the electronic exchange, a transaction request from a client computer, wherein the transaction request relates to a wager on a future value of the metric related to the artist; generating, by the electronic exchange, a wager metric related to the transaction; and predicting, by a prediction engine of a wagering system server, the future value of the metric related to the artist based on the initial value of the metric and the wager metric.
    Type: Grant
    Filed: August 6, 2015
    Date of Patent: September 12, 2017
    Assignee: Popular Metrics, Inc.
    Inventors: Duncan Freeman, John Elmore
  • Patent number: 9754271
    Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.
    Type: Grant
    Filed: February 18, 2013
    Date of Patent: September 5, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jeffrey A. Chwast, Kathleen Haggerty, Jing Wang, Di W. Xu, Chao M. Yuan
  • Patent number: 9749356
    Abstract: Systems and methods for detecting and scoring anomalies. In some embodiments, a method is provided, comprising acts of: identifying a plurality of attributes from a profile; for each attribute of the plurality of attributes, determining whether the digital interaction matches the profile with respect to the attribute, comprising: identifying, from the profile, at least one bucket of possible values of the attribute, the at least one bucket being indicative of anomalous behavior; identifying, from the digital interaction, a value of the attribute; and determining whether the value identified from the digital interaction falls into the at least one bucket, wherein the digital interaction is determined to match the profile with respect to the attribute if it is determined that the value identified from the digital interaction falls into the at least one bucket; and determining a penalty score.
    Type: Grant
    Filed: September 4, 2016
    Date of Patent: August 29, 2017
    Assignee: NuData Security Inc.
    Inventors: Christopher Everett Bailey, Randy Lukashuk, Gary Wayne Richardson
  • Patent number: 9749357
    Abstract: Systems and methods for matching and scoring sameness. In some embodiments, a computer-implemented method is provided, comprising acts of: detecting a plurality of digital interactions at different points in time; for each digital interaction of the plurality of digital interactions: identifying from the digital interaction an anchor value X of an anchor type T; and updating a profile of the anchor value X.
    Type: Grant
    Filed: September 4, 2016
    Date of Patent: August 29, 2017
    Assignee: NuData Security Inc.
    Inventors: Christopher Everett Bailey, Randy Lukashuk, Gary Wayne Richardson
  • Patent number: 9721289
    Abstract: A method for financing a purchase order includes receiving a purchase order from a customer node communicatively connected to a server, wherein the purchase order includes information regarding a customer associated with the customer node, a supplier of goods, at least one item to be purchased, a cost of the purchase order and a preferable loan term; collecting metadata related to the customer associated with the customer node; analyzing the purchase order and the collected metadata to compute a credit standing for the customer; determining whether the credit standing crosses a predetermined threshold, wherein the predetermined threshold is set respective of the purchase order; requesting from a supplier node communicatively connected to the server an electronic authentication respective of the purchase order, when the credit standing crosses the predetermined threshold; and sending an electronic guarantee to finance the purchase order to the supplier node, upon reception of the electronic authentication.
    Type: Grant
    Filed: August 22, 2013
    Date of Patent: August 1, 2017
    Assignee: Behalf Ltd.
    Inventor: Jeremy Esekow
  • Patent number: 9710663
    Abstract: Systems and methods for screening applicants are disclosed herein. A method of screening applicants is performed by a screening server. The server begins by receiving a selection of screening services and an applicant profile that identifies an applicant. The screening continues by generating screening results specified by the selection of screening services based on the applicant profile. A property manager is then notified that the screening results are available for the applicant based upon the applicant profile. The screening results are then provided to the property manager based upon the applicant profile. Based on these screening results, the screener or property manager can make a decision about the applicant and communicate a decision action to the applicant.
    Type: Grant
    Filed: May 26, 2015
    Date of Patent: July 18, 2017
    Assignee: TransUnion Rental Screening Solutions, Inc.
    Inventors: Michael A. Britti, Robert D. Thornley, Joel R. Springer, Michael J. Mauseth, Michael J. Collins
  • Patent number: 9705751
    Abstract: A computing device quantifies an expected benefit from a calibrated coefficient of variation (CV) and/or a calibrated service level (SL). The target optimization model determines a number and a time a new requisition is placed for an item at each node of the plurality of nodes. A validation time value is updated using an incremental time value and the process is repeated until the validation time value is greater than or equal to a stop time.
    Type: Grant
    Filed: October 26, 2016
    Date of Patent: July 11, 2017
    Assignee: SAS Institute Inc.
    Inventors: Jinxin Yi, Necip Baris Kacar, Varunraj Valsaraj
  • Patent number: 9692800
    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: June 11, 2014
    Date of Patent: June 27, 2017
    Assignee: Google Inc.
    Inventors: Robert Christopher Gaunt, Pavel Pergamenshchik
  • Patent number: 9691059
    Abstract: Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.
    Type: Grant
    Filed: July 17, 2009
    Date of Patent: June 27, 2017
    Assignee: United Services Automobile Association (USAA)
    Inventor: Christopher Paul Courtright
  • Patent number: 9686314
    Abstract: Systems and methods for matching and scoring sameness. In some embodiments, a computer-implemented method is provided, comprising acts of: detecting a plurality of digital interactions at different points in time; for each digital interaction of the plurality of digital interactions: identifying from the digital interaction an anchor value X of an anchor type T; and updating a profile of the anchor value X.
    Type: Grant
    Filed: September 4, 2016
    Date of Patent: June 20, 2017
    Assignee: NuData Security Inc.
    Inventors: Christopher Everett Bailey, Randy Lukashuk, Gary Wayne Richardson
  • Patent number: 9684777
    Abstract: An identity authentication method of an internet account, an identity authentication device of an internet account and a system are provided.
    Type: Grant
    Filed: March 17, 2015
    Date of Patent: June 20, 2017
    Assignee: Tencent Technology (Shenzhen) Company Limited
    Inventors: Jinxing Liu, Yuanhui Xie, Dongrui Zhang
  • Patent number: 9678725
    Abstract: A method of processing telephony sessions for telephony clients, the method comprising the steps of providing a platform server operated by a service provider, the platform server programmed to perform the steps of storing at least one telephony application for each of a plurality of telephony clients of the service provider, receiving a call from a customer at the platform server to one of the telephony clients, identifying a telephony client associated with the received call, identifying an interactive telephony application associated with the telephony client and the received call and performing the identified interactive telephony application on the platform server on behalf of the identified telephony client and independent of any instructions from the telephony client.
    Type: Grant
    Filed: May 19, 2016
    Date of Patent: June 13, 2017
    Assignee: ShoreTel, Inc.
    Inventors: Andrew M Brezinsky, Andrew L Ortlieb, Thomas J Kells, Brian D Moe
  • Patent number: 9665998
    Abstract: A system and method for providing relevant and timely information associated with a travel itinerary, such as an airline travel itinerary. In an exemplary embodiment, one of a plurality of home screens is displayed on a portable user device when an application is opened on the portable user device.
    Type: Grant
    Filed: June 30, 2011
    Date of Patent: May 30, 2017
    Assignee: AMERICAN AIRLINES, INC.
    Inventor: Pedram Kazemi
  • Patent number: 9652765
    Abstract: A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.
    Type: Grant
    Filed: April 18, 2013
    Date of Patent: May 16, 2017
    Assignee: Visa International Service Association
    Inventors: Nizam Antoo, Todd J Brockman
  • Patent number: 9646343
    Abstract: The disclosure relates to entity disambiguation in an interactive fashion based upon attributes. Once disambiguated, a manner in which to review a future article based upon an initial set of attributes and an additional set of attributes and, when needed, generate a warning flag based upon the review is also described. The warning flag may result in a change in the relationship between the entity and an organization such as a bank that is considering engaging in a business relationship with a candidate client, and that may subsequently abandon that plan, or a bank that had previously extended credit to the entity, and that subsequently may be less inclined as a result of the information retrieved by the present invention. A previously accepted entity may also be flagged for credit or anti-money laundering consideration if and when the applicant's situation (e.g., financial situation, involvement in anti-money laundering) changes.
    Type: Grant
    Filed: June 13, 2014
    Date of Patent: May 9, 2017
    Assignee: Thomson Reuters Global Resources
    Inventors: Patrick Hinchin, Jochen Lothar Leidner, Mans Olof-Ors, Stuart Whatley
  • Patent number: 9639695
    Abstract: A system and method uses any or all of information of a user and/or user's activity at a second web site, information of the user's friends or other connections at the second web site, or registration information of the user, to determine whether to allow the user to communicate with other users of a first web site, prevent the user from communicating with other users of the first web site, or monitor the user's communications and allow or prevent the user from further communication based on the monitored communications at the first web site.
    Type: Grant
    Filed: October 3, 2012
    Date of Patent: May 2, 2017
    Assignee: Zoosk, Inc.
    Inventors: Alexander F. Mehr, Shayan G. Zadeh
  • Patent number: 9639820
    Abstract: Techniques are provided that produce a risk profile consisting of a risk score and trends of risk scores across devices and sensors in a machine-to-machine (M2M) or Internet of things (IOT) environment. For example, a device is assigned a risk score which is based on baseline factors such as expected network packets between two devices, normal network packets, access to critical devices, authorized access requests from one device to another device, normal communications to a device, and the critical ports of a device; access to and conflicts across physical, logical, and operational systems; historical and current usage of these systems, and anomalies from normal behavior patterns. Techniques encompass risk management by computing a risk score in a timely fashion in accordance with an architecture that enables achieving the required scaling necessitated by the huge number of devices in the machine-to-machine (M2M) or Internet of things (IOT) environment.
    Type: Grant
    Filed: April 25, 2016
    Date of Patent: May 2, 2017
    Assignee: Alert Enterprise
    Inventors: Subrat Narendra Singh, Srinivasa Kakkera, Kiu Li, Prathap Sakala
  • Patent number: 9628431
    Abstract: A system and method supporting instant messaging which removes many of the problems and harriers to the use of instant messaging through the use of universally unique identifiers to web pages for instant messaging sessions, with recipients invited to the instant messaging session via email.
    Type: Grant
    Filed: July 1, 2011
    Date of Patent: April 18, 2017
    Assignee: FACEBOOK, INC.
    Inventors: Keith Bernstein, Alan Chung
  • Patent number: 9613381
    Abstract: A method includes storing payroll information for an employee of an employer. The payroll information may include the employee's name, address, electronic contact information, etc. A payroll service computer may receive an indication from an employer that the computer is to make a payroll disbursement to the employee. The computer may present disbursement options to the employee. The employee may select one of the disbursement options. The computer may initiate the payroll disbursement in accordance with the option selected by the employee.
    Type: Grant
    Filed: August 15, 2014
    Date of Patent: April 4, 2017
    Assignee: MasterCard International Incorporated
    Inventors: Stephen A. Parento, Ronald Carl Hynes, Shekhar Sahgal
  • Patent number: 9614857
    Abstract: Technologies to facilitate supervision of an online identify include a gateway server to facilitate and monitor access to an online service by a user of a “child” client computer device. The gateway server may include an identity manager to receive a request for access to the online service from the client computing device, retrieve access information to the online service, and facilitate access to the online service for the client computing device using the access information. The access information is kept confidential from the user. The gateway server may also include an activity monitor module to control activity between the client computing device and the online service based on the set of policy rules of a policy database. The gateway server may transmit notifications of such activity to a “parental” client computing device for review and/or approval, which also may be used to update the policy database.
    Type: Grant
    Filed: June 28, 2013
    Date of Patent: April 4, 2017
    Assignee: Intel Corporation
    Inventors: Alex Nayshtut, Omer Ben-Shalom, Hong Li
  • Patent number: 9607334
    Abstract: A system for updating merchant on file payment data at a payment processor is provided. The system includes a merchant processing selection system receiving selection data for one of two or more types of on file payment data update processing. A merchant account update system receives the selection data and processes account update data based on the selection data.
    Type: Grant
    Filed: October 11, 2011
    Date of Patent: March 28, 2017
    Assignee: PAYMENTECH, LLC
    Inventors: Tonya Lin Carroll, Chantal Adair Gaspie, Gwen Ellen Murray, Lakshma Reddy Eapur
  • Patent number: 9596260
    Abstract: A method and apparatus for uploading files are disclosed. The method includes: upon receiving a scanning instruction, obtaining unknown files on a client and putting the unknown files in a file upload queue; scanning unknown files in the file upload queue to obtain a risk coefficient for each unknown file; sorting in descending order the unknown files in the file upload queue based on the risk coefficient of the unknown files; and uploading the unknown files in the file upload queue in order to a server. The unknown files in the file upload queue are sorted so that the most suspicious files are uploaded first to ensure that the server will timely receive the most suspicious files, which greatly improves the efficiency of cloud servers in collecting suspicious files.
    Type: Grant
    Filed: March 3, 2015
    Date of Patent: March 14, 2017
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Linfeng Li, Ling Guo
  • Patent number: 9595030
    Abstract: A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.
    Type: Grant
    Filed: February 26, 2016
    Date of Patent: March 14, 2017
    Assignee: MasterCard International Incorporated
    Inventors: Lukas Ekselius, Sebastien Pochic, Fikret Ates, Barry Alan Maidment
  • Patent number: 9584496
    Abstract: A biometric sensor may be coupled to a portable communications device, such as a cellular telephone. The biometric sensor may be configured to acquire one or more measurements of biological characteristics of an individual. One or more of the measurements may relate to internal, sub-epidermal characteristics of the individual, such as non-volitional processes occurring within the individual, sub-epidermal structures within the individual, or the like. A biometric marker may be derived from one or more of the measurements. The portable communications device may be activated responsive to deriving the biometric marker. The activation may include transmitting the measurements and/or biometric markers derived therefrom to a receiver using the portable communications device.
    Type: Grant
    Filed: September 5, 2012
    Date of Patent: February 28, 2017
    Assignee: CONVERGENCE BIOMETRICS, LLC
    Inventors: Rick V. Murakami, David Miller, Matthew W. Pettit, Larry V. Lunt
  • Patent number: 9578508
    Abstract: System, apparatus, and methods are provided for protecting against malicious infrastructure in a wireless communication network. A system determines a trust metric for an access point and decides to avoid communication with the access point based on the trust metric for the access point. The trust metric may, for example, be a numeric value such as a probability of trustworthiness or a categorization of trustworthiness. The system may determine the trust metric by receiving a list of access points and their corresponding trust metrics and matching a potential access point to its listed trust metric. The system may try to avoid using an untrustworthy access point's services unless it deems the services important enough to risk the communication.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: February 21, 2017
    Assignee: QUALCOMM INCORPORATED
    Inventors: Matthew C. Duggan, Michael William Paddon, Kento Tarui
  • Patent number: 9571665
    Abstract: The application is directed to a method for improving a user's experience on an electronic device. An application for modifying data service is displayed on a display of an electronic device. A request is received by the application from a user to modify a current data service with a new data service. The application evaluates the requested, new data service in view of predetermined information based upon the user. The application updates the electronic device with the new data service after its evaluation.
    Type: Grant
    Filed: August 6, 2015
    Date of Patent: February 14, 2017
    Assignee: TracFone Wireless, Inc.
    Inventor: Satish Ramprasad
  • Patent number: 9569797
    Abstract: In an embodiment, a computer system receives credit information relating to a consumer, and calculates a credit score associated with the consumer. The system constructs a credit score scenario user interface. The system maintains a plurality of credit score simulation scenarios, and calculates a plurality of simulated credit scores associated with respective credit score simulation scenarios. The system also constructs a credit score simulation control interface. The system maintains a plurality of credit score simulation parameters, and generates a user interface with a graphical indication of the calculated credit score and a plurality of sliders, each slider being divided into segments that are colored to graphically indicate the likely effect of repositioning the slider within the respective segment. When the user repositions the sliders, the graphical indication of the calculated credit score is adjusted, based on a recalculation of the credit score.
    Type: Grant
    Filed: December 15, 2011
    Date of Patent: February 14, 2017
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Janice Anne Rohn, Julia E. Fegel, Jeffrey Bryan Mahacek, Michael Burger
  • Patent number: 9563916
    Abstract: Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.
    Type: Grant
    Filed: November 26, 2013
    Date of Patent: February 7, 2017
    Assignee: Experian Information Solutions, Inc.
    Inventors: Luz M. Torrez, Adam Thomas Kornegay