Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
  • Patent number: 10262149
    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: June 16, 2017
    Date of Patent: April 16, 2019
    Assignee: International Business Machines Corporation
    Inventors: Ivan M. Milman, Martin Oberhofer, Sushain Pandit
  • Patent number: 10261870
    Abstract: A method for performing software error detection and prediction. The method includes identifying a plurality of software components in a computer software product. For each of the software components of the plurality of software components, the risk-relevant historical data pertaining to the respective software component is measured, then classified into at least a set of risk-increasing data and a set of risk-decreasing data. The set of risk-increasing data and the set of risk-decreasing data are then normalized, and a failure risk value for the respective software component is calculated by subtracting a weighted sum of the normalized values for the risk-decreasing data from a weighted sum of the normalized values for the risk-increasing data.
    Type: Grant
    Filed: June 29, 2015
    Date of Patent: April 16, 2019
    Assignee: International Business Machines Corporation
    Inventors: Lukasz G. Cmielowski, Marek Franczyk, Robert Karcz, Andrzej J. Wrobel
  • Patent number: 10261948
    Abstract: Methods and electronic systems for managing data transfer timing in a database are described. An electronic system includes a communication interface, a memory, and a processor coupled with the memory and the communication interface. The processor is configured to receive a signal representing an electronic message from a third party system. The electronic message notifies the electronic system of a first scheduled data transfer to a database managed by the electronic system and including a first transfer time in the future and value change information that affects a value of the database. In response to receipt of the electronic message, the processor evaluates a second scheduled data transfer from the database to a recipient at a second transfer time in the future at which at least a portion of the value is expected to be transferred to the recipient.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: April 16, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: Helene Esposito, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 10255259
    Abstract: An automated feedback may be provided while data is entered in an electronic form. Input entered into an input field of a form fillable window provided on a user interface display screen may be detected. A quality measure associated with the input as entered into the form fillable window may be determined. The quality measure is determined based on a quality needed for an analytics process of an application for which the input is being entered. A graphical indication representing the quality measure on the user interface display screen may be presented.
    Type: Grant
    Filed: January 24, 2018
    Date of Patent: April 9, 2019
    Assignee: International Business Machines Corporation
    Inventors: Marcia Ito, Marco A. S. Netto, Vagner F. D. Santana
  • Patent number: 10255419
    Abstract: A system and method verify and validate user identity for enrollment in a secure personal dataset accessing system, wherein a personal dataset includes identifiable attributes of a user. Authenticity of an asserted user identity includes electronically verified identifiable attributes to form the personal dataset. A generated digital security element results in the user electronically receiving a password and unique electronic address assigned to the user. The digital security element is then transmitted to the user and enables electronic access to the personal dataset, the personal dataset having been authenticated through the verification and validation.
    Type: Grant
    Filed: October 24, 2017
    Date of Patent: April 9, 2019
    Inventor: James F. Kragh
  • Patent number: 10255610
    Abstract: A consumer lead enhancement system comprises a vendor criteria database, a web server, and a matching engine. The vendor criteria database is configured to store vendor criteria for receiving leads regarding consumers. The web server is configured to request from a consumer a first set of consumer characteristics and a second set of consumer characteristics. The matching engine is configured to compare the consumer characteristics with information in the vendor criteria database in order to match the consumer with one or more vendors so that the system is capable of generating a lead and transmitting the lead to the vendors. If the consumer provides the second set of consumer characteristics, the consumer may be matched to vendors based on the second set of consumer characteristics. Otherwise the consumer may be matched to vendors based on the first set of consumer characteristics.
    Type: Grant
    Filed: August 21, 2015
    Date of Patent: April 9, 2019
    Assignee: LMB MORTGAGE SERVICES, INC.
    Inventors: Stephen Principe Semprevivo, Matthew Robert Wells
  • Patent number: 10248999
    Abstract: A system and method for optimizing the frequency of market information updates in an electronic trading environment are described herein. According to one example embodiment, by optimizing the frequency of market information updates, the burden on the client device to update the graphical user interface may be reduced, while still providing an accurate portrayal of the market to the user. An example method includes associating different precedence levels with messages comprising market information. Messages containing market information related to the inside market may be associated to a higher precedence level. Whereas messages containing market information relating to the quantities at prices outside the inside market may be associated with a lower precedence level. Based on the precedence level associated with a message, a client device may update the graphical user interface or the message may be stored in a data structure until a pre-defined condition is satisfied.
    Type: Grant
    Filed: November 7, 2013
    Date of Patent: April 2, 2019
    Assignee: Trading Technologies International, Inc.
    Inventor: Scott F. Singer
  • Patent number: 10243866
    Abstract: A computer-implemented method includes identifying a current packet data transmission credit value assigned to a packet data transmitter. The method includes identifying a value change in the current packet data transmission credit value. The baseline packet transmission credit value is for the packet data transmitter. The method is responsive to the change being a decrease by increasing a transmission opportunity weight for the packet data transmitter. The method is responsive to the change being an increase by decreasing the transmission opportunity weight for the packet data transmitter. The method includes passing to the packet data transmitter a parameter. The parameter directing the packet data transmitter to transmit packet data via data transmission circuitry during a scheduled transmission opportunity. The extent of the parameter is proportional to the transmission opportunity weight.
    Type: Grant
    Filed: July 1, 2016
    Date of Patent: March 26, 2019
    Assignee: International Business Machines Corporation
    Inventors: Yiftach Benjamini, Oren Lev, Tomer Z. Metz
  • Patent number: 10228996
    Abstract: The technology disclosed relates to detecting anomalous behavior of network components in a complex network setting.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: March 12, 2019
    Assignee: Lightbend, Inc.
    Inventors: Amit Sasturkar, Arun Kejariwal, Uday K. Chettiar, Vishal Surana, Omer Emre Velipasaoglu, Dhruv Hemchand Jain, Mohamed A. Abdelhafez
  • Patent number: 10230845
    Abstract: Devices, systems, and methods for customized communication routing based on user information. When a presence of a first user is detected on a pre-designated webpage of a plurality of webpages of a website, attribute information of the first user is obtained in response to the detected presence and the pre-designated webpage is dynamically modified to display a communication routing option based on the attribute information of the first user. The communication routing option displayed to the first user is different from a communication routing option displayed to a second user having different attribute information. The routing option available to the second user is hidden from display to the first user.
    Type: Grant
    Filed: March 12, 2018
    Date of Patent: March 12, 2019
    Assignee: AT&T MOBILITY II LLC
    Inventors: Christopher Dinardo, Axel Wells, Thomas Norman
  • Patent number: 10223674
    Abstract: The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.
    Type: Grant
    Filed: February 15, 2012
    Date of Patent: March 5, 2019
    Assignee: Riavera Corp.
    Inventor: Mark Itwaru
  • Patent number: 10223675
    Abstract: A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.
    Type: Grant
    Filed: February 4, 2014
    Date of Patent: March 5, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jessica U. Jones, Lee J. Peart, Blayn W. Beenau, Peter D. Saunders
  • Patent number: 10223745
    Abstract: A method for generating a credit risk score of a business entity. The method includes identifying a business management application (BMA) used by the business entity and a plurality of trading partners of the business entity, selecting, from the plurality of trading partners, a plurality of selected trading partners based on a pre-determined business activity measure of each of the plurality of trading partners, obtaining, from the BMA, a plurality of invoice payment records of the business entity paying the plurality of selected trading partners, analyzing, by a computer processor, the plurality of invoice payment records to generate a plurality of invoice payment statistics representing payment behavior of the business entity, and generating, by the computer processor and using a pre-determined formula, the credit risk score based on the plurality of invoice payment statistics.
    Type: Grant
    Filed: August 30, 2013
    Date of Patent: March 5, 2019
    Assignee: Intuit Inc.
    Inventors: Himmat Singh Randhawa, Yichen Jennifer Wu, Kevin Reagan Jacques, Lakshmi Venkatesan
  • Patent number: 10217110
    Abstract: Techniques and arrangements for providing payment protection to merchants who utilize point-of-sale (POS) devices that are configured to conduct transactions in both online and offline modes. In an offline mode, a POS device of a merchant stores information regarding a payment instrument used in a transaction between the merchant and a customer, for later sending of the information to a payment service for authorization of the payment instrument when the POS device is in the online mode. The described techniques protect the merchant in a situation where a payment instrument used in an offline transaction is later declined, by providing payment to the merchant for at least a portion of the cost associated with the transaction.
    Type: Grant
    Filed: May 9, 2014
    Date of Patent: February 26, 2019
    Assignee: Square, Inc.
    Inventors: Grace Huey Chen, Christopher Lang Mocko, Michael Wells White
  • Patent number: 10217528
    Abstract: Systems, methods, and apparatus to dynamically manage interdependent, variable scheduled procedures are provided. An example method includes calculating a cumulative distribution function (CDF) for task(s) in a healthcare protocol based on a probability density function associated with task duration(s) for the task(s). The method includes determining a plurality of schedule risk states for each task in a healthcare protocol, each schedule risk state associated with an upper specification limit (USL) and a lower specification limit (LSL) along the CDF. The method includes identifying, within USL and LSL for each schedule risk state, setpoint(s) associated with probability(-ies) along the CDF. The method includes monitoring execution of task(s) in the healthcare protocol to identify a transition in schedule risk state according to USL and LSL. The method includes triggering an action to react to an actual or upcoming change in schedule risk state based on setpoint(s) associated with the schedule risk state.
    Type: Grant
    Filed: August 29, 2014
    Date of Patent: February 26, 2019
    Assignee: General Electric Company
    Inventors: Christopher Donald Johnson, Onur Ilkin Dulgeroglu
  • Patent number: 10217092
    Abstract: A technique is disclosed for generating an interactive digital receipt on a user device, where the receipt offers an engagement platform for merchants and customers to interact on a continuous basis. The interactive digital receipt is generated in response to an occurrence of a particular financial transaction. The receipt includes a plurality of time-based interactive components to enable the merchant and the customer to interact with one another. The plurality of time-based interactive components includes a promotion component, a tipping component, a feedback component, and a loyalty rewards component. Each component is associated with a timeframe which defines a time period for which the customer may interact with the component. Content presented via each component changes corresponding to the time period. The time period can range from a limited time period to an unlimited time period.
    Type: Grant
    Filed: November 22, 2013
    Date of Patent: February 26, 2019
    Inventors: David W. Maxwell, Lauren A. Myrick, Tiffany Y. Ng, Riley McElroy Strong, Tyler James Lettau
  • Patent number: 10204128
    Abstract: Methods and systems for detecting expiration time of an article include receiving the article for a pre-planned event. The article is analyzed to identify one or more attributes. The article is matched to an event identifier using the article attributes. The event identifier is pre-defined and stored in an event database. The event identifier acts as an index to the event database for obtaining event characteristics of the pre-planned event. The article attributes are examined to identify event phase indicators that correlate to a specific event phase of the pre-planned event. The expiration time of the article is computed based on the specific event phase identified for the pre-planned event. The expiration time is used to rank the article and for considering assigning the article to a content pool of articles that is selected for publishing for the specific event phase of the pre-planned event.
    Type: Grant
    Filed: December 4, 2013
    Date of Patent: February 12, 2019
    Assignee: Oath Inc.
    Inventors: Aravindan Raghuveer, Syama Prasad Suprasadachandranpillai, Tom Praison Rajadurai A, Amit Kumar, Rahul Singh, Gaurav Sindhwani, Souri Nath Datta, Hemant Minocha, Satish Mummareddy
  • Patent number: 10192265
    Abstract: A method for implementing a dynamic financial statement may include generating and dynamically updating a financial statement for a consumer based on the receipt of consumer-related information from the consumer or other entities. A database of updated dynamic financial statements may be queried by external systems such as the consumer's or another entity's computer for statements that satisfy one or more criteria. One or more computer systems may create and deliver offers to consumers corresponding to the statements satisfying the query. Those offers may invoke dynamic pricing, e.g., better pricing may be offered to those consumers as compared to consumers that don't satisfy the queried details. Those offers alternatively may invoke collaborative or group pricing, i.e., a certain price may be available if enough consumers accept the offer.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: January 29, 2019
    Assignee: H.O.M.E. Mortgage Card, LLC
    Inventor: Philip Carragher
  • Patent number: 10181155
    Abstract: An evaluation device according to the present application includes an acquisition unit and an evaluation unit. The acquisition unit acquires information related to an enterprise among information which is based on user behavior on a communication network. The evaluation unit evaluates credit of the enterprise based on the information acquired by the acquisition unit. For example, the acquisition unit acquires, as the information which is based on user behavior on the communication network, information transmitted from a user in utilization of a service which is provided by various websites and which is related to the enterprise.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: January 15, 2019
    Assignee: YAHOO JAPAN CORPORATION
    Inventor: Toru Takata
  • Patent number: 10181158
    Abstract: Systems and methods are presented for providing a psychological analysis of financial products in an investor's financial portfolio. In some example embodiments, a method is presented. The method may include accessing, in a device comprising one or more processors, a psychometric data of a financial product, the psychometric data quantifying a decision-making tendency used in managing the financial product.
    Type: Grant
    Filed: December 16, 2014
    Date of Patent: January 15, 2019
    Assignee: ADDEPAR, INC.
    Inventors: Thomas Johannes Oberlechner, Edward Casteel Milner, Julia Pitters
  • Patent number: 10176233
    Abstract: Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.
    Type: Grant
    Filed: October 24, 2016
    Date of Patent: January 8, 2019
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Michael John Dean, Mark Joseph Kapczynski
  • Patent number: 10163155
    Abstract: A communications system enabling a first wireless subscriber in need of an instant credit line to use a creditee module on a portable wireless communication device to request credit from a second subscriber that has available credit at a financial institution. The second subscriber uses a creditor module on their device to generate rules for the extension of a credit line guaranteed by the financial institution of the second subscriber. If the rules are met, a credit authorization code is generated by the system and forwarded to the creditee module of the first subscriber's device such that the code can be subsequently used to complete a transaction initiated by the first subscriber to pay a vendor. The vendor may employ a vendor's module to access the issued credit as prescribed by the creditor module.
    Type: Grant
    Filed: April 3, 2014
    Date of Patent: December 25, 2018
    Inventor: Mundi Fomukong
  • Patent number: 10163156
    Abstract: The system and method allows a vehicle loan organization to generate multiple, customized vehicle loan offers to an applicant for different types of vehicles in an automated fashion. The system and method calculates an acquisition score to better determine the riskiness of offering a vehicle loan to a potential applicant. Additionally, the system and method automates underwriting decisions by automatically approving, denying, or referring vehicle loan applications. For vehicle loan applications that are referred for manual underwriting, the system determines the appropriate credit analyst to use based on the application's complexity, the analyst's expertise, and the analyst's availability. Further, the system uses credit data to calculate a maximum term, amount, and LTV ratio for potential vehicle loans. Also, the system considers the applicant's collateral before approving a vehicle loan. For qualified, approved applicants, the system generates multiple, customized vehicle loan offers for the applicant.
    Type: Grant
    Filed: September 12, 2014
    Date of Patent: December 25, 2018
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Adam T. Shapley, Richard G. Sopek, Jennifer A. Keegan, Gregory S. Spencer, Melinda A. Walker
  • Patent number: 10157420
    Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.
    Type: Grant
    Filed: September 3, 2015
    Date of Patent: December 18, 2018
    Assignee: Bank of America Corporation
    Inventors: Usha Narayana, Philip D. Armstrong
  • Patent number: 10158643
    Abstract: An apparatus including an in-network transfer processor configured to receive a transfer request, a sender token, and a receiver token, to identify an institution associated with a sender based on the sender token, and to identify an institution associated with a receiver based on the receiver token. The in-network transfer processor is configured to facilitate an internal transfer to the sender when the sender and the receiver are the same user and to facilitate an internal transfer to the receiver when the sender and the receiver are different users. The in-network transfer processor is configured to facilitate a transfer to the receiver using service network resources when the membership for the institution associated with the receiver indicates an in-network institution and to facilitate a transfer to the institution associated with the receiver using secondary network resources when the membership for the institution associated with the receiver indicates an out-of-network institution.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: December 18, 2018
    Assignee: Bank of America Corporation
    Inventors: Richard H. Thomas, Joseph B. Castinado
  • Patent number: 10158644
    Abstract: A token-based routing system that includes an out-of-network transfer processor configured to receive a transfer request, a sender token, and a receiver token and to identify an institution associated with a sender based on the sender token. The out-of-network transfer processor is configured to determine a membership for an institution associated with a receiver based on the receiver token. The out-of-network transfer processor is configured to facilitate a transfer from the institution associated with the sender to the receiver using service network resources in response to determining that the membership for the institution associated with the receiver indicates an in-network institution.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: December 18, 2018
    Assignee: Bank of America Corporation
    Inventors: Richard H. Thomas, Joseph B. Castinado
  • Patent number: 10147077
    Abstract: A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.
    Type: Grant
    Filed: September 21, 2010
    Date of Patent: December 4, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Patrick Mestré, Cristian Radu, David A. Roberts, Edward L. H. Van de Velde
  • Patent number: 10134041
    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: August 11, 2017
    Date of Patent: November 20, 2018
    Assignee: GOOGLE LLC
    Inventor: Mathew Cowan
  • Patent number: 10121194
    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: December 22, 2016
    Date of Patent: November 6, 2018
    Assignee: EXPERIAN INFORMATION SOLUTIONS, INC.
    Inventors: Luz M. Torrez, Adam Thomas Kornegay
  • Patent number: 10116608
    Abstract: Systems and methods for alerting a user of deal emails are provided. Emails that contain deals are analyzed to determine which emails will be expiring soon and are of interest to a user. Deal alerts containing hyperlinks to relevant deal emails are sent to the user, and the user can view the deals by clicking on the hyperlinks. If the user decides to delete the deal alert, the deal email is deleted from the user's inbox as well.
    Type: Grant
    Filed: September 29, 2015
    Date of Patent: October 30, 2018
    Assignee: PAYPAL, INC.
    Inventor: Ashley Victoria Jones
  • Patent number: 10116667
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for facilitating the conversion of an instrument into a verified secured instrument. The block chain database comprises a distributed ledger that is updated with resource availability based on database node communication. The resource availability is compared to a distribution amount associated with an instrument presented to a receiver for resource distribution. Prior to resource distribution the block chain distributed network confirms the resource availability and marks the resources as unavailable. As such, the invention converts instrument into a verified secure instrument based on an identification of sufficient resources available in association with the instrument.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: October 30, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Darrell Johnsrud
  • Patent number: 10115106
    Abstract: A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria, suspending any ACH transaction that satisfy the preset criteria so that the transaction does not post to the account, notifying the subscriber of the incoming ACH transaction, providing the subscriber with the option to either authorize or dispute the ACH transaction, and facilitating the dispute process according to applicable banking rules by requesting further information from the subscriber and forwarding the dispute information to the ACH operator.
    Type: Grant
    Filed: May 16, 2012
    Date of Patent: October 30, 2018
    Assignee: ACH Alert, LLC
    Inventors: Deborah Peace, David Peace
  • Patent number: 10108957
    Abstract: A method is disclosed. The method includes receiving transaction data relating to a plurality of commercial transactions conducted by a plurality of buyers and sellers conducting commercial transactions using a transaction processing system, and then receiving a request for transaction information relating to the received transaction data from an entity, wherein the transaction information also relates to a commercial transaction between a buyer and a seller. The method further includes providing the transaction information to an entity, wherein the entity thereafter makes a decision about further interacting with the buyer or the seller.
    Type: Grant
    Filed: April 4, 2012
    Date of Patent: October 23, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: William Reid, Fredric Maslin, Craig Swackhammer, Marc Belsky
  • Patent number: 10109015
    Abstract: A method and system for handling data field tasks, the system comprising a database containing records and data fields associated with real estate ownership expense insurance policies that reimburses for increases in property ownership expenses including increases in maintenance fees and assessments from non-covered losses, an underwriting server communicatively coupled to one or more client devices and data sources over a communications network, the underwriting server comprising a processor that configures processes to the data sources and generates data source connections to receive information from the data sources, and a scheduler that allocates threads within the processes to at least one of the data fields associated with premium for coverage, expenses, and reimbursement of the real estate ownership expense insurance policies, and assigns the threads to tasks for performing operations on the at least one of the data fields based on the information from the data sources.
    Type: Grant
    Filed: October 27, 2015
    Date of Patent: October 23, 2018
    Inventor: William Sale
  • Patent number: 10104109
    Abstract: A device for providing hierarchical threat intelligence includes a non-transitory machine-readable storage medium storing instructions that cause the device to receive, a plurality of calculated threat scores for a plurality of threat management devices, wherein the threat scores are respectively associated with context information, determine a first threat scores for a first entity based on a first subset of the calculated threat scores, determine a second threat score for a second entity based on a second subset of the calculated threat scores, receive update information of one of the calculated threat scores of the first subset from a listener of the threat management devices, and update the first threat score based on the update information.
    Type: Grant
    Filed: September 30, 2013
    Date of Patent: October 16, 2018
    Assignee: ENTIT SOFTWARE LLC
    Inventors: Anurag Singla, Monica Jain
  • 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: 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: 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: 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: 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: 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: 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: 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: 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: 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