Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
  • Patent number: 10664457
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for real-time data structuring and storage. The system is configured for retrieving data associated with the first user interaction in real-time via an established communication link with one or more interaction channels accessible to the first user; transform the data from an unstructured format to a structured format; process the structured data to identify a pattern associated with the first user interaction; compare the pattern to one or more goals associated with the first user; determine one or more actions to be performed by the first user to achieve the goal; and communicate the information associated with the one or more actions to the first user.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: May 26, 2020
    Assignee: Bank of America Corporation
    Inventors: Assim Syed Mohammad, Badri V. Mangalam, Prasanna Joshi, Sridhar M. Seetharaman
  • Patent number: 10657469
    Abstract: In a method for estimating a severity of a current security incident reported by a customer for the customer's computer system, a processor receives from one or more administrators for a plurality of prior security incidents reported by the customer, identifications of a respective plurality of actual severities for the plurality of prior security incidents. The processor estimates, based in part on the plurality of identified actual severities of the prior security incidents, a severity of the current security incident. The processor reports the estimated severity for the current security incident.
    Type: Grant
    Filed: April 11, 2014
    Date of Patent: May 19, 2020
    Assignee: International Business Machines Corporation
    Inventors: Steven A. Bade, Heather M. Hinton, Neil I. Readshaw, Srinivas B. Tummalapenta
  • Patent number: 10657320
    Abstract: An eForm system includes defining an eForm, defining document metadata associated with the eForm, and defining supplemental metadata associated with the eForm. In response to a document generation request, the eForm definition, the associated document metadata, and the associated supplemental metadata are assembled. In response to a document display request, an eForm display is generated based on the eForm definition, the associated document metadata, and the associated supplemental metadata.
    Type: Grant
    Filed: February 4, 2016
    Date of Patent: May 19, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darren James Dobier, Toby Jason Peecher, Randall Howard Flory, Abraham Drucker, Anita Sukur, Bhanu Sankaran, Himanshu G. Patel, Rui Fan, Ravi K. Maganti
  • Patent number: 10649881
    Abstract: The disclosure herein describes determining the compliance of software applications to compliance standards based on capabilities of the software applications. The capabilities of a software application are identified, and the compliance controls of a compliance standard are identified from respective data stores. The capabilities are mapped to the compliance controls based on defined capability map data. Based on at least one capability of the software application being mapped to each compliance control of the compliance standard, a positive compliance indicator is provided, whereby compliance of the software application with the compliance standard is confirmed. The described systems and methods provide efficient means for determining compliance of software applications based on defined capabilities that are abstracted to be comparable to a variety of compliance controls.
    Type: Grant
    Filed: August 29, 2018
    Date of Patent: May 12, 2020
    Assignee: VMware, Inc.
    Inventor: Carlos Phoenix
  • Patent number: 10650446
    Abstract: A system and method for generating a virtual credit score in real-time and establishing a credit line to a customer of a customer node. The method comprises receiving at least one customer identifier of the customer from a supplier node, wherein the customer performs an electronic commerce transaction with respect to the supplier node; retrieving data respective of the customer from at least one data source, wherein the date is retrieved using the at least one customer identifier; analyzing the retrieved data to determine at least one further customer identifier; generating the virtual credit score for the customer at least based on the determined at least one further customer identifier; comparing the virtual credit score to a virtual credit threshold to determine if the customer meets the virtual credit threshold; and upon determining that the customer meets the virtual credit threshold, establishing the credit line to the customer.
    Type: Grant
    Filed: December 24, 2014
    Date of Patent: May 12, 2020
    Assignee: Behalf Ltd.
    Inventor: Russell Weiss
  • Patent number: 10643154
    Abstract: In some aspects, a machine-learning model, which can transform input attribute values into a predictive or analytical output value, can be trained with training data grouped into attributes. A subset of the attributes can be selected and transformed into a transformed attribute used for training the model. The transformation can involve grouping portions of the training data for the subset of attributes into respective multi-dimensional bins. Each dimension of a multi-dimensional bin can correspond to a respective selected attribute. The transformation can also involve computing interim predictive output values. Each interim predictive output value can be generated from a respective training data portion in a respective multi-dimensional bin. The transformation can also involve computing smoothed interim output values by applying a smoothing function to the interim predictive output values.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: May 5, 2020
    Assignee: Equifax Inc.
    Inventors: Trevis J. Litherland, Li Hao, Rajkumar Bondugula
  • Patent number: 10636084
    Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.
    Type: Grant
    Filed: October 3, 2005
    Date of Patent: April 28, 2020
    Assignee: CITICORP CREDIT SERVICES, INC. (USA)
    Inventors: Michael Grandcolas, John Riblett, Ted Krawiec, Albert Cohen, Sam Shahdousti, Naresh Vyas, Mike Mast, Simon Khilkevich, Gene Stolarov, Irina Koryakovtseva, Grigor Markarian, Jeremy Dimond, Avinash Kharul, Amit Chitnis, Ravin Vernekar, Dilip Parekh, Mark Bitter, Farah Khalili, Teresa Petach, Chris Kowalski, Rajashree Karwa
  • Patent number: 10628851
    Abstract: The present disclosure is directed toward systems and methods for identifying offers in networking system post. For example, systems and methods described herein identify one or more offer indicators in a networking system post and calculate a confidence score representing a level of confidence that the unstructured networking system post includes a merchant offer. In response to calculating a confidence score above a threshold value, systems and methods described herein prompt the composer of the unstructured post to convert the post into a structured offer. Upon converting the unstructured post into a structured offer, systems and methods described herein intelligently distribute the structured offer for use by networking system users.
    Type: Grant
    Filed: December 29, 2016
    Date of Patent: April 21, 2020
    Assignee: FACEBOOK, INC.
    Inventors: John Stephen Ketchpaw, Dan Barak, Dean Jackson, James F. Geist, Jr.
  • Patent number: 10628834
    Abstract: Systems and methods are described for automatically processing data stored in one or more databases using machine learning to detect entities (such as health care providers, health care plan members, patients, pharmacies, and so forth) associated with health care claims that are suspected of fraudulent, wasteful, and/or abusive activity. The techniques may further or alternatively involve generating and presenting, for a set of suspected entities, natural language explanatory information explaining how and/or why each of the respective suspected entities is considered to be suspected of fraudulent, wasteful, and/or abusive activity. Feedback provided by fraud analysts and/or other subject matter experts in the misuse detection space is used to facilitate misuse detection and misuse detection presentation.
    Type: Grant
    Filed: June 14, 2016
    Date of Patent: April 21, 2020
    Assignee: Palantir Technologies Inc.
    Inventors: Rahul Agarwal, Diane Wu
  • Patent number: 10630716
    Abstract: A novel enterprise security solution allows for precise interception and surgical response to attack progression, in real time, as it occurs across a distributed infrastructure. The solution includes a data monitoring and management framework that continually models system level host and network activities as mutually exclusive infrastructure wide execution sequences and bucketizes them into unique execution trails. A multimodal intelligent security middleware detects indicators of compromise in real-time on top of subsets of each unique execution trail using rule based behavioral analytics, machine learning based anomaly detection, and other sources. Each detection result dynamically contributes to aggregated risk scores at execution trail level granularities. These scores can be used to prioritize and identify highest risk attack trails to end users, along with steps that such end users can perform to mitigate further damage and progression of an attack.
    Type: Grant
    Filed: July 25, 2019
    Date of Patent: April 21, 2020
    Assignee: Confluera, Inc.
    Inventors: Abhijit Ghosh, Niloy Mukherjee, Eun-Gyu Kim
  • Patent number: 10621159
    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: October 4, 2017
    Date of Patent: April 14, 2020
    Assignee: Palantir Technologies Inc.
    Inventors: Jeremy Liu, Timothy Wilson, Mitchell Beard
  • Patent number: 10623584
    Abstract: A charging session management method, where when user equipment (UE) is in a state of accessing to a network, there is an Internet Protocol (IP)-Connectivity access network (CAN) bearer between a gateway and the UE, where the IP-CAN bearer is used to transmit a data flow of the UE, and a charging session exists between the gateway and a charging system; and the method includes when a charging session established for the IP-CAN bearer exists between the gateway and the charging system, terminating, by the gateway, the charging session if determining that no data flow is transmitted on the IP-CAN bearer within a time threshold; and establishing, a new charging session for the IP-CAN bearer when detecting that a data flow transmission starts to be transmitted on the IP-CAN bearer.
    Type: Grant
    Filed: June 12, 2018
    Date of Patent: April 14, 2020
    Assignee: HUAWEI TECHNOLOGIES CO., LTD.
    Inventor: Xiaoqian Chai
  • Patent number: 10621662
    Abstract: Systems and methods are disclosed for valuating financial contracts and assessing the risk associated with such contracts. Such systems and methods receive valuation details and an internal contract representation related to the contract to value the contract. Internal contract representations describe the contract in terms of flow sets, cash flow functions, and choice functions Choice functions involve determining whether or not the information desirable to make the choice is available when the choice is to be made. If the information is not known for a particular choice function, then the choice function is replaced with a trigger rule. Trigger rules are determinable when the choice has to be made. Trigger rules are based on stochastic processes associated with the choice function.
    Type: Grant
    Filed: August 9, 2012
    Date of Patent: April 14, 2020
    Assignee: FinancialCAD Corporation
    Inventors: Mark John Gibbs, Russell Goyder
  • Patent number: 10614464
    Abstract: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.
    Type: Grant
    Filed: April 17, 2018
    Date of Patent: April 7, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Michele D. Matthews
  • Patent number: 10614527
    Abstract: A system and method for automatically generating reports. The method includes: creating at least one template of structured data based on at least a partially unstructured data, wherein the partially unstructured data is obtained based on at least one reporting requirement; identifying, based on the at least partially unstructured data, at least one key field and at least one value; creating, based on the at least partially unstructured data, a dataset including the at least one key field and the at least one value; and generating a report based on the at least one created template and the at least one reporting requirement.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: April 7, 2020
    Assignee: VatBox, Ltd.
    Inventors: Noam Guzman, Isaac Saft
  • Patent number: 10607175
    Abstract: A device may receive a plurality of data items related to an entity to be analyzed. The device may store the plurality of data items using a storage device based on receiving the plurality of data items. The device may analyze the plurality of data items to identify complexity factors related to the entity based on storing the plurality of data items. The complexity factors may positively impact the entity or negatively impact the entity. The device may generate a set of action items associated with modifying operations of the entity to impact the complexity factors related to the entity. The set of action items may be associated with positively impacting the entity. The device may perform a set of actions based on the set of action items to positively impact the entity.
    Type: Grant
    Filed: November 9, 2016
    Date of Patent: March 31, 2020
    Assignee: Accenture Global Solutions Limited
    Inventors: Alana Clooten, Hundley M. Elliotte, Ariel M. Oken, Melissa F. McCoy, Jason W. Holmes
  • Patent number: 10607209
    Abstract: Computer-implemented systems and methods for transferring images of a negotiable bank instrument and related information from one user to a second user at a remote location for review and verification by the second user are disclosed. The system can also enable the second user to variously utilize the information and images of the negotiable bank instrument for electronic deposit of funds in an account at a financial institution. The images can be transmitted to a financial institution for electronic deposit into an account. The images can also be converted into an image replacement document (IRD) which can then be transmitted to a financial institution for electronic deposit into an account. The images can also be transmitted to a third party processor for generation of the image replacement document, among other things.
    Type: Grant
    Filed: March 13, 2014
    Date of Patent: March 31, 2020
    Assignee: TGALLISON TECHNOLOGIES, LLC
    Inventors: Bernardine W. Drake, Glenn F. Drake
  • Patent number: 10607285
    Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing serializability of resource transfers in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: March 31, 2020
    Assignee: Bank of America Corporation
    Inventors: Darrell Johnsrud, Manu Jacob Kurian
  • Patent number: 10609334
    Abstract: A group video communication method and a network device are provided. A user type of each user in a group video session is determined according to device information of the user. The user type includes: common user indicating that the user uses a two-dimensional display mode when participating in the group video session, and virtual user indicating that the user uses a virtual reality (VR) display mode when participating in the group video session. Video data of the group video session is processed according to a video display mode indicated by the user type to obtain target video data of the user. The target video data is sent to a user equipment of the user during the group video session, so that the user equipment presents the target video data of the group video session in the video display mode indicated by the user type of the user.
    Type: Grant
    Filed: June 10, 2019
    Date of Patent: March 31, 2020
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Kai Li
  • Patent number: 10607008
    Abstract: Disclosed aspects relate to counter-fraud operation management. A counter-fraud operation may be executed using an initial set of parameter values for a set of parameters of the counter-fraud operation. A set of user counter-fraud activities of a user may be monitored corresponding to a user interface. A set of user feedback data may be captured to determine a feedback-driven set of parameter values for a set of parameters of the counter-fraud operation. The feedback-driven set of parameter values may be determined for the set of parameters of the counter-fraud operation. The counter-fraud operation using the feedback-driven set of parameter values may be executed.
    Type: Grant
    Filed: February 9, 2017
    Date of Patent: March 31, 2020
    Assignee: International Business Machines Corporation
    Inventors: Brian P. Byrne, Sushain Pandit, Kalaivanan Saravanan, Yogendra K. Srivastava
  • Patent number: 10607014
    Abstract: A method of determining a monetary loss due to security risks associated with a plurality of applications executing on a plurality of computers in a computer system is provided. The method assigns a set of loss levels from a plurality of loss levels to each application. Each loss level in the set of loss levels corresponds to a different type of risk associated to an application. The method define a presentation that identifies a total monetary residual risk of loss due to security risks for the plurality of applications by assigning a monetary value to the set of loss levels assigned to each application. The method receives an adjustment to a loss level for at least one application. The method defines a presentation that identifies a revised total monetary residual risk of loss based on the adjustment to said at least one loss level.
    Type: Grant
    Filed: December 8, 2017
    Date of Patent: March 31, 2020
    Assignee: CA, In.
    Inventors: Ryan G. Stolte, Firas S. Rifai, Humphrey Christian, Joseph Anthony DeRobertis, Shmuel Yehonatan Green
  • Patent number: 10592975
    Abstract: A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 17, 2020
    Assignee: Kabbage, Inc.
    Inventors: Robert James Frohwein, Kathryn Tison Petralia
  • Patent number: 10592981
    Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
    Type: Grant
    Filed: January 16, 2015
    Date of Patent: March 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 10592937
    Abstract: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.
    Type: Grant
    Filed: October 8, 2018
    Date of Patent: March 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jonathan Turner, Arthur Koeppel
  • Patent number: 10592838
    Abstract: A risk simulation and assessment tool may enable a user to select scenarios and risk factors associated with a selected scenario. The risk factors may be defined by risk factor characteristics along with links that define connectivity or interconnectedness to other risk factors. The risk factor characteristics may also include impact, velocity, and likelihood. The tool may provide for a simplified way to create a computerized network map that includes the nodes of risk factors associated with each of the scenarios. The computerized network map may be displayed and dynamic adjustment may be available to the user. A simulation using the computerized network map may also be executed as defined by the risk factor characteristics, thereby enabling a user to determine how operations of an organization may be impacted by changing events that may occur in regions in which physical operations of an organization of the user exist.
    Type: Grant
    Filed: October 18, 2018
    Date of Patent: March 17, 2020
    Assignee: KPMG LLP
    Inventors: Andrea Urban, Pradeep Pai, Lawrence Raff, James Schneider
  • Patent number: 10585688
    Abstract: Techniques are described herein for generating service tickets. Embodiments include receiving first button data from an internet-of-things (IOT) button, the first button data comprising button identification information that uniquely identifies the IOT button and first button state information that specifies a button state, from a plurality of button states, of the IOT button, wherein the first button data corresponds to a first button press of the IOT button. The first button data is processed using a custom function associated with a service provider to cause: determining, based on the button identification information, a service location associated with the first button press; determining, based on the first button state information, a service issue associated with the first button press; and generating a service ticket corresponding to the first button press, wherein the service ticket indicates the service location and the service issue.
    Type: Grant
    Filed: March 9, 2018
    Date of Patent: March 10, 2020
    Assignee: RICOH COMPANY, LTD.
    Inventors: E. Robert Duffy, Joshua Schlafer
  • Patent number: 10586280
    Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.
    Type: Grant
    Filed: January 29, 2019
    Date of Patent: March 10, 2020
    Assignee: PointPredictive Inc.
    Inventors: Frank J. McKenna, Timothy J. Grace, Gregory Gancarz, Michael J. Kennedy
  • Patent number: 10581772
    Abstract: In an information processing method, display of a question and acquisition of an answer from a user to the question are repeated to narrow down information the user desires to make a search. A question regarding a target of the search is displayed in a first mode on a display included in a terminal. An answer inputted from the user to the question is acquired through the terminal. When the question is displayed, first information regarding a situation of a narrowing-down progress is displayed above the question in a second mode, and second information regarding a guide for answering the question is displayed below the question in a third mode.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: March 3, 2020
    Assignee: PANASONIC INTELLECTUAL PROPERTY MANAGEMENT CO., LTD.
    Inventors: Mitsuru Endo, Katsuyoshi Yamagami, Takashi Ushio
  • Patent number: 10580071
    Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
    Type: Grant
    Filed: January 4, 2018
    Date of Patent: March 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 10572951
    Abstract: In an example, a computer implemented method includes obtaining respective transactional data from each financial data source of a plurality of financial data sources, where the respective transactional data is each associated with a posting time. The method also includes determining a net liquidity amount from the respective transactional data based on the posting time of each of the respective transactional data. The method also includes outputting net liquidity data that is representative of the determined net liquidity amount.
    Type: Grant
    Filed: September 30, 2016
    Date of Patent: February 25, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Jeffrey A. Harmon, Jane E. Guinnane, Robert E. Lugenbeal, Margaret O'Neill, Vicki L. Anderson, Joel D. Feazell
  • Patent number: 10565643
    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: February 10, 2017
    Date of Patent: February 18, 2020
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Janice Anne Rohn, Julia E. Fegel, Jeffrey Bryan Mahacek, Michael Burger
  • Patent number: 10565586
    Abstract: A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.
    Type: Grant
    Filed: January 28, 2011
    Date of Patent: February 18, 2020
    Assignee: CardinalCommerce Corporation
    Inventors: Michael Roche, Adam Ratica, Phillip Romano, Matthew Yucha, Scott Rauhe
  • Patent number: 10565750
    Abstract: According to examples, intelligent visualization munging may include transforming and enriching data that is to be visualized, determining features of the transformed and enriched data, determining a user role of a user associated with the transformed and enriched data, and a user interaction of the user. Intelligent visualization munging may further include learning a behavior of the user, and analyzing the features, the user role, the user interaction, and a learned behavior model to generate a recommendation that includes a predetermined number of visualizations from a plurality of available visualizations to display the transformed and enriched data. The predetermined number of visualizations is less than the plurality of available visualizations.
    Type: Grant
    Filed: August 31, 2016
    Date of Patent: February 18, 2020
    Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: Colin Anil Puri, Joseph Bynoe, Paul Justin Mahler, Nathan GS Shetterley
  • Patent number: 10565644
    Abstract: Apparatus and methods for ingesting Legacy Records of mortgage loan servicing actions onto a Blockchain. The Blockchain is distributed to Participants in the Loan, such as the Borrowers, Regulators, Servicers, and Vendors. The present disclosure further provides a method for homogenizing a variety of Vendor Formats for inclusion on the Blockchain and memorializing execution of a smart contract on the Blockchain.
    Type: Grant
    Filed: August 22, 2019
    Date of Patent: February 18, 2020
    Assignee: Ranieri IP, LLC
    Inventors: Shane Michael Leonard, Richard Sheridan Collins
  • Patent number: 10552810
    Abstract: Methods and systems for remote deposit of financial instruments are disclosed. The method may include using a mobile device such as a tablet computer or smart phone to automatically review live video data to determine a location of a check in the video image, and to obtain a still photo of the check image in response to determining that the mobile device is being held at a desired steadiness. The method may include providing a user with visual feedback that the mobile device is actively tracking the check. The method may further include cropping the captured check image and sending only a portion of the image to a remote server to verify a check MICR line has been captured. The method may further include a virtual endorsement module executable by the mobile device to apply endorsement information to a check image. A mobile device with a processor and memory containing instructions to execute the method is also disclosed.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: February 4, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Seth E. Ethington, Casey Brumbaugh, Emily Gray
  • Patent number: 10552859
    Abstract: A system and methods for the registration of new payment tool processing, reward program identification and other customer registration at the Point-of-Sale (POS), based on electronically linking consumers existing accounts for the purposes of payment, rewards, loyalty, marketing, discounts and or identification of a consumer. The new payment system or rewards program may be delivered through a new card, a mobile program, a wearable product, or any other potential device for collecting communicating or transmitting information used for the aforementioned purposes including running a new program.
    Type: Grant
    Filed: May 6, 2016
    Date of Patent: February 4, 2020
    Assignee: Obsidian Networks, Inc.
    Inventor: Travis Priest
  • Patent number: 10552909
    Abstract: Systems and techniques are disclosed to analyze fund of funds investments. The system is configured to provide at least one objective analytic that indicates the level of risk associated with a fund of funds investment strategy. The system provides both a quantitative and qualitative risk measurement value using actual portfolio holdings data of underlying funds that can be used to compare multi-faceted investment portfolios.
    Type: Grant
    Filed: April 22, 2010
    Date of Patent: February 4, 2020
    Inventors: Jonathan Kreider, Peter R. Ormsbee
  • Patent number: 10546351
    Abstract: A system and method for automatically generating and validating a report. The method includes: retrieving at least one reporting requirement; obtaining, based on the retrieved at least one reporting requirement, at least partially unstructured data of at least a transaction; creating, based on the obtained at least partially unstructured data, at least a template, wherein the at least a template is a structured dataset that includes at least one identified reporting parameter of the at least a transaction; applying at least one validation rule to the at least a template; determining, based on the applied at least one validation rule, whether at least one required validation requirement is met by the at least a transaction; and, generating, upon determination that the at least one required validation requirement is met, a report based on the at least a template and the at least one reporting requirement.
    Type: Grant
    Filed: December 26, 2018
    Date of Patent: January 28, 2020
    Assignee: Vatbox, Ltd.
    Inventors: Noam Guzman, Isaac Saft
  • Patent number: 10535009
    Abstract: Certain aspects involve optimizing neural networks or other models for assessing risks and generating explanatory data regarding predictor variables used in the model. In one example, a system identifies predictor variables compliant with certain monotonicity constraints. The system generates a neural network for determining a relationship between each predictor variable and a risk indicator. The system performs a factor analysis on the predictor variables to determine common factors. The system iteratively adjusts the neural network so that (i) a monotonic relationship exists between each common factor and the risk indicator and (ii) a respective variance inflation factor for each common factor is sufficiently low. Each variance inflation factor indicates multicollinearity among a subset of the predictor variables corresponding to a common factor.
    Type: Grant
    Filed: November 7, 2016
    Date of Patent: January 14, 2020
    Assignee: EQUIFAX INC.
    Inventors: Matthew Turner, Michael McBurnett, Yafei Zhang
  • Patent number: 10531043
    Abstract: A method and computer system for determining a reputation threshold requirement for participating in a collaboration session. A determination is made whether a reputation of a user satisfies the reputation threshold requirement for the collaboration session. Access to the collaboration session is enabled if the reputation of the user satisfies the reputation threshold requirement for the collaboration session. Access to the collaboration session is disabled if the reputation of the user fails to satisfy the reputation threshold requirement for the collaboration session.
    Type: Grant
    Filed: October 10, 2016
    Date of Patent: January 7, 2020
    Assignee: Google LLC
    Inventors: Paul Moody, Anand Paka
  • Patent number: 10523647
    Abstract: Embodiments of systems and methods for fraud prevention in an online distribution network are disclosed. In certain embodiments, service providers that provide forms in association with merchant's web sites for submission of transactions may implement pro-active threat detection based on an aggregate view of transactions in that distributed computer network.
    Type: Grant
    Filed: March 1, 2017
    Date of Patent: December 31, 2019
    Assignee: GIVEGAB, INC.
    Inventors: James Randall Ryan, Ruhul Alam, James Edward Sylvana, Conleth S. O'Connell, Jr.
  • Patent number: 10521799
    Abstract: A system and method are disclosed in which a user engaging in an online or in-person transaction with a merchant may create automatic expiring transactions for a credit card. The user provides the credit card information to an online interface or a point-of-sale device but specifies an expiration date that is on or before the actual expiration date of the credit card, known as an artificial expiration date. A token for the merchant is generated with the artificial expiration date. The issuing bank will honor the transaction with the artificial expiration date using the merchant-specific token, and the token may continue to be used with the online merchant until the artificial expiration date.
    Type: Grant
    Filed: July 19, 2019
    Date of Patent: December 31, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad
  • Patent number: 10521735
    Abstract: A testing framework associated with a decision metaphor model tool reads table profile files to generate requests for a test of a decision metaphor. The testing framework sends the requests for the test to a decision engine and receives responses for the requests for comparison against expected values and possible errors. The testing framework also outputs an output file that includes a result of the test, where the output file is formatted in a computer-displayable and user-readable graphical format.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: December 31, 2019
    Assignee: FAIR ISAAC CORPORATION
    Inventor: Pradeep Niranjan Ballal
  • Patent number: 10521859
    Abstract: The present invention relates to a new type of biddable financial instrument that can be traded on an online competitive bidding process and system and method of trading thereof specifically designed to accommodate the specific needs of these new biddable financial instruments associated primarily with the introduction in the instruments core of a contractual bidder or new properties like acceleration of term linked with trading on the competitive bidding software. The inventor contemplates the use of a large number of new biddable financial instruments, for example B-VRDOs, B-TOBs, and B-MLVRSs. The platform, system and method of trading associated thereto allows for easy portfolio management, Dutch trading, payment of interest, entry of good to cancel trade orders, priority management tools, acceleration of maturity, and offering on a secondary offering stage non-acquired portions held by the contractual bidder.
    Type: Grant
    Filed: May 24, 2013
    Date of Patent: December 31, 2019
    Assignee: Clarity Markets Holdings LLC
    Inventor: Robert Novembre
  • Patent number: 10515119
    Abstract: Concepts and technologies disclosed herein are directed to a sequential recommender system for virtualized network services. According to one aspect disclosed herein, a recommender system can receive user input regarding a service project interest expressed by a user. In response to the user input, the recommender system can consult a knowledge base to determine a recommended service based upon the user input regarding the service project interest expressed by the user. The recommender system can then present the recommended service to the user.
    Type: Grant
    Filed: December 15, 2015
    Date of Patent: December 24, 2019
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Thomas Kirk, Rittwik Jana, Mazin E. Gilbert, John F. Murray, Tan Xu
  • Patent number: 10511520
    Abstract: Systems and techniques are provided for multi-hop path finding. Order data describing an order may be received. The order data may include a currency pair, a price level, and a volume. A one-hop path structure may be generated based on the order data describing the order. The one-hop path structure may include one-hop paths for the currency pair. The one-hop path structure may be written to a first ring buffer. The one-hop path structure may be read from the first ring buffer. Two-hop path structures may be generated by joining the one-hop path structure with other one-hop path structures. A value for the relative importance of the two-hop path structures may be determined to be greater than a threshold. Combined two-hop path structures may be written to a second ring buffer when the value for the relative importance of the two-hop path structures is greater than the threshold.
    Type: Grant
    Filed: May 29, 2018
    Date of Patent: December 17, 2019
    Assignee: Ripple Labs Inc.
    Inventor: Michael Warnock
  • Patent number: 10511805
    Abstract: Systems and methods are disclosed for generating a workflow and notifying a user of the workflow using a variety of communication channels. For example, in one or more embodiments, a system generates a workflow comprising a plurality of tasks and one or more display elements corresponding to the workflow tasks. Subsequently, the system sends a first notification to a user regarding the first task via a first communication channel (e.g., a mobile application) and sends a second notification via a second communication channel (e.g., email). If the system receives a user selection of one of the notifications from a client device associated with the user, the system can subsequently provide a first display element corresponding to the first task to the client device via the corresponding communication channel.
    Type: Grant
    Filed: October 15, 2018
    Date of Patent: December 17, 2019
    Assignee: Popio IP Holdings, LLC
    Inventors: Jed W. Taylor, Timothy Eugene Pranger
  • Patent number: 10491619
    Abstract: Determining an entity's cybersecurity risk and benchmarking that risk includes non-intrusively collecting one or more types of data associated with an entity. Embodiments further include calculating a security score for at least one of the one or more types of data based, at least in part, on processing of security information extracted from the at least one type of data, wherein the security information is indicative of a level of cybersecurity. Some embodiments also comprise assigning a weight to the calculated security score based on a correlation between the extracted security information and an overall security risk determined from analysis of one or more previously-breached entities in the same industry as the entity. Additional embodiments include calculating an overall cybersecurity risk score for the entity based, at least in part, on the calculated security score and the weight assigned to the calculated security score.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: November 26, 2019
    Assignee: SecurityScorecard, Inc.
    Inventors: Aleksandr Yampolskiy, Rob Blackin, Alexander Heid, Samuel Kassoumeh
  • Patent number: 10489786
    Abstract: A payment processing system continuously processes transactions having data elements. A profile table exists for each data element of the transactions and is continuously updated with risk variables in real time. Risk metrics of various types are calculated in real-time if criteria are met. A risk metric percentage is compared to one of two thresholds to determine whether or not to trigger a strike and whether or not to turn on alert for a particular data element of a profile table. If an alert is turned on then the thresholds become more restrictive for that particular data element for future transactions. Fraud model parameters are also adjusted if a strike is triggered or an alert is turned on. An alert is turned off after passage of time and if the risk metric for a future transaction is below a threshold. Rules are created in real time if an alert is on.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: November 26, 2019
    Assignee: VESTA CORPORATION
    Inventors: Jiaqi Yu, Jianning Le
  • Patent number: 10482459
    Abstract: A system and a method for an automated sign up and creation of an account of a new customer via mobile wireless device of a customer in a payment system on a global computer network is described. The system is automated in that it eliminates login using user id and password and use of forms to provide personal data.
    Type: Grant
    Filed: July 20, 2016
    Date of Patent: November 19, 2019
    Inventor: Tara Chand Singhal