Credit (risk) Processing Or Loan Processing (e.g., Mortgage) Patents (Class 705/38)
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Patent number: 11847581Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.Type: GrantFiled: November 6, 2020Date of Patent: December 19, 2023Assignee: The PNC Financial Services Group, Inc.Inventors: Urich T. Bowers, Bill Demchak, Mecal McDade, Todd Tkach, Scott Braun
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Patent number: 11842392Abstract: A method for employing adaptive credit decisions in relation to extension of a loan to a user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor, employing a first credit decision model to execute a first credit extension decision with respect to a first type of financing option based on the user information and the transaction information, employing a second credit decision model to execute a second credit extension decision with respect to a second type of financing option based on the user information and the transaction information, and determining, based on the first and second credit extension decisions, whether to extend a credit offer to the user when the user proceeds to checkout for the transaction.Type: GrantFiled: September 17, 2021Date of Patent: December 12, 2023Assignee: Affirm, Inc.Inventors: Shawn Krisman, Jaya Pareek, Jeremy Mittleman, Kenny Eimer, Michael Boardman
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Patent number: 11842390Abstract: An apparatus and computerized method for automated loan origination processing via a computer system with communications devices for receiving loan application data and user provided information. Logic mechanisms programmed to automatically generate a loan origination compliance task workflow having an organized sequence of a plurality of compliance tasks in response to the loan application data received from a user. Receiving at a central computer server a loan application having information provided by the user via the user computer terminal and acquiring at the central computer server electronic data relating to the user from one or more databases responsive to receiving the user loan application information. Initiate a review process for the loan application utilizing the user provided information and data acquired from the one or more databases and render an approval decision for the electronic loan application based upon the review process.Type: GrantFiled: October 5, 2020Date of Patent: December 12, 2023Assignee: UIPCO, LLCInventor: Carlos W. Wilkinson
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Patent number: 11836195Abstract: The present invention discloses a loading unit which loads the target web site after receiving a URL of a target web site; an action design unit which makes the user arbitrarily plan and arbitrarily set pre-determined work to extract target data from the target web site; an executing unit which consistently arranges the pre-determined work arbitrarily planned through the action design unit, and performs a designated event; an importing unit which extracts target data through the event work and presents them to a user.Type: GrantFiled: March 10, 2020Date of Patent: December 5, 2023Assignee: HAENASOFT COMPANY, LIMITEDInventors: Jong Pil Kim, Beom Soo Kim, Ji Won Hong, Sung Rang Kong
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Patent number: 11836794Abstract: A method is provided that comprises collecting financial data points and normalizing the data points into a time series. The time series is merged into aggregates according to sliding windows that comprise different time periods and a sliding step increment. A periodic change in an increasing and convex transformation is computed for each aggregate, and multi-dimensional time-delayed coordinate embedding is applied to each aggregate. The sliding windows are applied to the time-delayed aggregates, and time series of variances and point clouds are derived within each sliding window. Persistence homologies and time series norms are computed for the point clouds, and the time series norms are correlated with the time series of variances. A warning of an impending financial crisis is output if the correlation of the time series norms with the time series of variances exceeds a predefined threshold.Type: GrantFiled: July 24, 2020Date of Patent: December 5, 2023Assignee: S&P Global Inc.Inventors: Yuri Katz, Alain Biem
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Patent number: 11830072Abstract: A pricing administration and calculation tool comprises user interface logic, pricing administration logic and pricing calculation logic that cooperates with the user interface logic to generate display screens configured to receive user inputs specifying credit guarantee pricing and user inputs specifying terms and conditions for mortgage backed security (MBS) loan commitments. The inputs are specific to individual external user (seller). The credit guarantee price is a fee for guaranteeing to an investor the timely payment of principal and interest from the mortgages underlying a mortgage backed security. The credit guarantee pricing may be specified via the display screens on a seller-by-seller basis, a mortgage product-by-product basis, an issue month-by-issue month, and a coupon-by-coupon basis.Type: GrantFiled: February 28, 2022Date of Patent: November 28, 2023Assignee: Fannie MaeInventors: Roger Blum, Mike Smale, Juoaquina Washington, Kelly Kraus
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Patent number: 11830067Abstract: A system may include a processor that may detect one or more loan indicators present in banking data or credit data associated with a user. The processor may then retrieve additional data associated with the user in response to detecting the one or more loan indicators, such that the additional data may include data acquired from a home assistant device, a wearable device, a computing device, or any combination thereof. The processor may then determine a loan probability associated with the user based on the banking data, the credit data, and the additional data. The processor may then determine a pre-approval loan amount based on the banking data and the credit data in response to the loan probability exceeding a threshold and automatically send a notification indicative of a pre-approval loan amount to a computing device associated with the user.Type: GrantFiled: September 15, 2022Date of Patent: November 28, 2023Assignee: United Services Automobile Association (USAA)Inventors: Rachel Elizabeth Csabi, Yan Pei, Yogen Rai
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Patent number: 11830047Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.Type: GrantFiled: October 1, 2021Date of Patent: November 28, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Robert Pacifico
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Patent number: 11823261Abstract: A process orchestration and dynamic data acquisition system may allow process flows to be flexible and to customer or product requirements based on rules obtained from a rule management system. The process orchestrator may be driven based on an updatable and dynamic set of business rules to allow for quick changes to the process flow. Through the business rules the process orchestrator retrieves and processes data necessary to the process based on a customer request and/or product or service provided. The process orchestrator provides dynamic data aggregation from both internal and external data sources, through calling re-useable processes instantiated by the process host system and continuously adapts the process flow to meet the unique needs of each request input and results returned from each dynamic process call.Type: GrantFiled: December 10, 2021Date of Patent: November 21, 2023Assignee: Bank of America CorporationInventors: Moran Ludwig, Edward G. Connell, Kanaka Subramaniam Kunjithapatham, Partha Sarathi Dhar, Navneet Tyagi, Shashank Bajpai, Hirenkumar R. Patel, Daniel Lee Wadsworth, Amanda Jines, Alexander W. Flynn, Venugopal Ramini
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Patent number: 11823187Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.Type: GrantFiled: May 27, 2021Date of Patent: November 21, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Robert Albert Ederle, Mark B. Hey, Kris Lowell Donaldson, Gregory S. Kriebaum
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Patent number: 11823277Abstract: A user interface with visual presentation of data, real time risk adjustment, and underwriter approval processes is described. The system provides computer control for performing cashflow analysis, assessing risk, optimizing loan offers, generating dashboards with status information and tile displays of loan application data, and displaying of optimized loan offers. The dashboard includes a progress indicator of an electronic loan request to a complete loan application and finally to an approval or rejection. The dashboard also includes visual indications, including color and signals, directing the underwriter's attention to important or necessary action steps to reject or advance the loan. The dashboard interface can be customized. The dashboard interface includes a moveable, arrangeable, multi-sided color-coded tile system.Type: GrantFiled: August 19, 2021Date of Patent: November 21, 2023Assignee: MeridianLink, Inc.Inventors: Michael M. Konson, Madhur Grover, Robert H. Chase, Christopher McPeek
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Patent number: 11824744Abstract: Systems, methods, and related technologies for device classification are described. In certain aspects, traffic data associated with a device and data from an external system can be accessed. The data can be processed to determine a device classification for the device. An action can be initiated based on the classification.Type: GrantFiled: December 20, 2021Date of Patent: November 21, 2023Assignee: FORESCOUT TECHNOLOGIES, INC.Inventors: Yang Zhang, Siying Yang
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Patent number: 11822562Abstract: Aspects described herein include systems and methods for determining addresses for assets, prioritizing the addresses for inspection by users, and applying natural language processing techniques to unstructured text input by the users. According to some aspects, a message may be received that includes unstructured text that was input by a user. The unstructured text may be associated with an inspection, by the user, of an address for an asset. One or more natural language techniques may be applied to the unstructured text to, among other things, facilitate the determination and sending of a response message to the unstructured text in an automated fashion. The response message may, if the asset was not found, include another address as a suggestion for the user to inspect for the asset. This suggested address may be determined based on changes to address priority that were caused by processing of the unstructured text.Type: GrantFiled: March 31, 2022Date of Patent: November 21, 2023Assignee: Capital One Services, LLCInventors: Lokesh S. Tulshan, Deepthi Uppalapati, Anirban Majumdar, Daniel Pereira, Manish R. Chhabra, Kukumina Pradhan, Kuldeep Kashinath Marganache, Raghavendra Chivukula
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Patent number: 11822694Abstract: A system and method for improved security in a networked computing environment. The method includes receiving, from a user device, a registration request comprising a user identifier for a user; receiving, from the user device, user credentials to access one or more online accounts associated with the user; accessing the one or more online accounts to retrieve user activity data for the user; analyzing the retrieved user activity data to determine one or more merchants associated with the user; storing, in a database coupled to a server device, a mapping between the user and the one or more merchants; receiving, from a monitoring service, an indication that a first merchant of the one or more merchants has experienced a data breach; and sending a notification to the user in response to determining that the first merchant has experienced a data breach.Type: GrantFiled: August 16, 2021Date of Patent: November 21, 2023Assignee: Capital One Services, LLCInventors: Michelle Olenoski, Clayton Johnson, Jeffrey Brown, Venkata Ph Kolli
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Patent number: 11823259Abstract: In an example implementation, a method includes receiving, at a computing device, borrower information and requested financing plan information. Likewise, a method includes outputting at least a portion of the received information to a second computing device and, after receiving an indication of a decision denying the requested financing plan, outputting at least a portion of the received information to a computing device associated with a lender and confirming, to a computing device associated with a borrower or a merchant that the information has been sent to the lender.Type: GrantFiled: September 30, 2020Date of Patent: November 21, 2023Assignee: GreenSky Software, LLCInventors: David Zalik, Stefan Woulfin, Kyle Cochran, Matthew Baxter, Chris Parks, Joshua Melcher, Rahul Kulkarni, Guhan Raaghavan, Paul Anderson, Paul Rafferty, Timothy Kaliban, Michael Schuman, William Still
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Patent number: 11810077Abstract: A system and method for implementing a fast payment is described. A request to execute a payout to a payee account is received, where the request includes information about the payout. At least one payment rail available for the requested payout is determined from a plurality of payment rails based on the included information. Rules associated with each of the at least one payment rail are identified. A fastest payment rail is determined from the at least one payment rail for executing the payout based on the identified rules and the information about the payout. The payout is then executed over the determined fastest payment rail.Type: GrantFiled: November 14, 2022Date of Patent: November 7, 2023Assignee: PayPal, Inc.Inventors: William Earl Crowley, Michael Ting, David Koch
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Patent number: 11812198Abstract: Software executing on a mobile device collects custom metadata for an image taken by a camera of a mobile device. The image with the custom metadata is sent from the software to an external network service. The external network service processes the custom metadata to at least determine a physical location of the image. In an embodiment, the physical location is used to uniquely identify the image and perform an automated transaction on behalf of a user that operates the mobile device.Type: GrantFiled: April 29, 2021Date of Patent: November 7, 2023Assignee: NCR CorporationInventor: Sean Paul Loosli
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Patent number: 11803923Abstract: A blockchain-based method for purchase document transformation and accountability is provided. Offer documents for a real estate transaction are maintained and a review of the documents is performed by comparing populated fields of each document with offer compliance guidelines. When the fields of the offer documents comply with the offer compliance guidelines, the offer documents are grouped as an offer for the transaction. Public and private documents from the offer are formed as separate data blocks, which are provided to a tier of supernodes. Each data block is added to a ledger of transactions via one of the supernodes. A copy of each data block is stored on each of the supernodes. An immutable record of each data block is transmitted from the supernode to a tier of network nodes and the immutable record of each data block is committed to a blockchain via each of the network nodes.Type: GrantFiled: September 4, 2019Date of Patent: October 31, 2023Assignee: Side, Inc.Inventors: Edward Wu, Guy Gal, Christopher Dzoba, Jeffrey Judkins, Mark J. Stefik, Adriano Castro
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Patent number: 11797988Abstract: Embodiments of the present disclosure relate to a method, a device, a computer readable storage medium and a computer program product for transaction processing on a blockchain. In the method, the blockchain node for processing a transaction receives a transaction request including a plurality of fields, the plurality of fields including a transaction task field including a plurality of clauses and each clause of the plurality of clauses indicating one of a plurality of tasks of the transaction. The blockchain node processes the plurality of tasks and determines that the transaction is successfully processed only in response to successfully processing all the plurality of tasks. The transaction processing as provided in the present disclosure enables multiple tasks to be processed through a single transaction procedure on the blockchain in an efficient way.Type: GrantFiled: April 18, 2019Date of Patent: October 24, 2023Assignee: VeChain Foundation LimitedInventors: Jianliang Gu, Bin Qian, Ziheng Zhou
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Patent number: 11797997Abstract: Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.Type: GrantFiled: March 8, 2022Date of Patent: October 24, 2023Assignee: Visa International Service AssociationInventors: Randall A. Snyder, Thomas S. Ginter, Michael F. Buhrmann
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Patent number: 11798055Abstract: Provided herein is a computing system including a processor in communication with at least one memory. The processor is configured to (i) build a model using historical vehicle telematics data and historical vehicle data, the model configured to: (a) predict an operating cost of a vehicle based upon a vehicle type and user data and (b) output operational parameters for operating the vehicle, (ii) receive a vehicle acquisition request for a selected vehicle including vehicle data for the selected vehicle and selected user data for the user of the selected vehicle, (iii) input the vehicle acquisition request data into the model, and (iv) output from the model an acquisition cost and operational parameters for the selected vehicle and the selected user including a procurement cost for the selected vehicle and an operating cost for operating the selected vehicle within the operational parameters for a predetermined time period.Type: GrantFiled: January 12, 2021Date of Patent: October 24, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventors: Joseph R. Brannan, Benjamin J. Tucker, Ryan M. Gross, Michael A. Myers, Darwin G. Beachy, M. Eric Riley, Sr., Brian N. Harvey
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Patent number: 11798079Abstract: An example computing system is configured to (i) receive, via a client station, a user request to create a financial data object for a given construction project; (ii) cause the client station to present, via a graphical user interface (GUI), a set of one or more currency options for the financial data object; (iii) receive an indication that a first currency has been selected for the financial data object; (iv) based at least on a user permission level, determine a set of one or more exchange rate options for converting from the first currency to a second currency; (v) cause the client station to present the determined set of one or more exchange rate options; and (vi) create the financial data object, wherein the created financial data object includes data indicating (1) the first currency and (2) a given one of the set of one or more exchange rate options.Type: GrantFiled: June 23, 2021Date of Patent: October 24, 2023Assignee: Procore Technologies, Inc.Inventors: Eliza Learner, Gabe Paul Harms, Ryan Christopher Huber
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Patent number: 11790680Abstract: Techniques are described for collecting descriptions of an entity from different data sources and using a numeric comparison and textual centrality measure to automatically select a best description. In one implementation, a method includes: retrieving a real property description dataset, the real property description dataset including descriptions from multiple data sources that describe the real property; extracting, from each of the descriptions, numbers that identify the property; performing a numerical comparison of the numbers extracted from each of the descriptions to determine if any descriptions needs to be discarded from further consideration; applying a text cleaning process to normalize the descriptions; and performing a textual centrality measure of remaining descriptions to determine a level agreement of each of the remaining descriptions with each of the other remaining descriptions; and using at least the textual centrality measure to select a description.Type: GrantFiled: April 15, 2021Date of Patent: October 17, 2023Assignee: FIRST AMERICAN FINANCIAL CORPORATIONInventors: Mark Fleming, Yan Qiu
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Patent number: 11792222Abstract: Techniques are disclosed for usage-tracking of various information security (InfoSec) entities for tenants/organization onboarded on an instant multi-tenant security assurance platform. The InfoSec entities include policies, procedures, controls and evidence tasks. A policy or procedure is enforced by implementing one or more controls, and the collection of one or more evidence tasks proves/verifies the implementation of a control. The InfoSec entities are linked to each other across the platform and accrue a number of benefits for the tenants. These include generating a security questionnaire response (SQR), defining a readiness project and an audit project, sharing InfoSec entities encompassing the various products of a tenant, automating risk assessment, automatic collection of evidence tasks for verifying the implementation and/or operational state/status of various mitigating controls, etc.Type: GrantFiled: July 20, 2022Date of Patent: October 17, 2023Assignee: OneTrust LLCInventors: Patrick Glenn Murray, Carman Kwong, Christopher Cross, Jose Costa Moreno, Harpreet Shergill, Keegan Callin
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Patent number: 11783414Abstract: Systems and methods to facilitate credit risk assessment are described herein. The systems and methods described herein relate to implementing and training a credit risk model comprising a document model and a company model. The document model may be configured to read text of a document, understand long range relationships between words, phrases, and the occurrence of one or more financial events, and create a document score that indicates whether the financial events are likely to occur based on that document. A document-model-state vector may be generated that represents important features and relationships identified within each document and across a set of documents for a given entity based on the document scores. The company model may produce a sequence of default probability scores representing overall likelihoods of the occurrence of the financial events for an entity based on the document-model-state vector for documents associated with that entity.Type: GrantFiled: April 11, 2019Date of Patent: October 10, 2023Assignee: Refinitiv US Organization LLCInventors: Ryan Roser, Adam Bronstein
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Patent number: 11785037Abstract: 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: GrantFiled: November 23, 2020Date of Patent: October 10, 2023Assignee: SecurityScorecard, Inc.Inventors: Aleksandr Yampolskiy, Rob Blackin, Alexander Heid, Samuel Kassoumeh
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Patent number: 11776059Abstract: A voice analysis (VA) computer system for processing verbally inputted data into an online insurance claim submission application is provided. The VA computer system is configured to receive a first set of digital sound data in connection with a request to submit a virtual insurance claim for an applicant, and enable a voice-input tool on a user computing device for the applicant to input registration data, the registration data included in a second set of digital sound data. The VA computer system is configured to retrieve a text-based template based upon a portion of the registration data, the text-based template including descriptor phrases and blank data fields. The VA computer system may be configured to receive the registration data as the second set of digital sound data, translate the received second set into text inputs, and store within a database, each descriptor phrase linked to the corresponding response associated therewith.Type: GrantFiled: January 28, 2019Date of Patent: October 3, 2023Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYInventor: Sateesh Mannar
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Patent number: 11775568Abstract: Systems and methods for adaptive and transparent entity screening are provided. In an aspect, a first entity list comprising a plurality of first entity records is accessed. The first entity records comprise a plurality of first entity identifying attributes. A second entity list comprising a plurality of second entity records is also accessed, wherein the second entity records comprise a plurality of second entity identifying attributes. In certain aspects, an entity screening model pairs the first entity identifying attributes of the first entity record with the second entity identifying attributes of the second entity record, executes different matching algorithms on pairs of entity identifying attributes, and determines an overall likelihood that the pair of entity records are a match based on aggregation of match scores from the plurality of matching algorithms.Type: GrantFiled: July 29, 2022Date of Patent: October 3, 2023Assignee: Palantir Technologies Inc.Inventors: Nathaniel Edwards, Kyle Owens, Nikola Chonkov, Sintia Dotel
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Patent number: 11775762Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for natural language processing. One of the methods includes the steps of receiving a first set of labeled data from a first data source; receiving a text string from a second data source; performing natural language processing on the text string to extract particular text portions and generate a second set of labeled data; performing a comparison between the first set of labeled data and the second set of labeled data; and generating an output based on the comparison.Type: GrantFiled: December 18, 2020Date of Patent: October 3, 2023Assignee: States Title, LLCInventors: Erica K. Mason, Apoorv Sharma, Andy Mahdavi, Daniel Faddoul
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Patent number: 11776058Abstract: A method comprising creating and storing, in computer memory, a financial graph having nodes and edges, wherein the nodes include first nodes representing assets and second nodes representing any one or more of accounts in which one or more of the assets are held, individuals who own one or more of the assets, or legal entities who own one or more of the assets; obtaining, from an asset custodian data source, asset transaction data associated with one or more of the assets represented by the first nodes of the financial graph; transforming the asset transaction data into one or more stored transaction objects, wherein each transaction object is associated with a plurality of transaction effect objects; wherein each of the plurality of transaction effect objects is associated with a particular edge in the financial graph and represents one of a credit to an account type associated with the particular edge and a debit from an account type associated with the particular edge.Type: GrantFiled: September 10, 2021Date of Patent: October 3, 2023Assignee: Addepar, Inc.Inventors: Daniel Posch, Jason Mirra, Miroslav Kukla
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Patent number: 11769137Abstract: A payment object reader can comprise a near-field communication (NFC) system, a Bluetooth system, one or more processors, and one or more non-transitory computer-readable media. The payment object reader can receive a command, from a point-of-sale (POS) application and via the Bluetooth system, to read a transaction instrument using the NFC system, wherein the POS application is executing on a POS device of a merchant The payment object reader can read payment information from the transaction instrument using the NFC system and send the payment information to the POS application via the Bluetooth system. Then the payment object reader can receive, from the POS application via the Bluetooth system, a transaction proxy corresponding to a merchant financial account of the merchant. The payment object reader then can send, via the NFC system, the transaction proxy to the transaction instrument.Type: GrantFiled: May 28, 2021Date of Patent: September 26, 2023Assignee: Block, Inc.Inventors: Marc Hernandez, Brian Grassadonia
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Patent number: 11769217Abstract: A system, apparatus and method for automatic entity classification based on social media data is disclosed. An example system may include a social network data collection circuit to collect information about at least one entity involved in a bond transaction, and a condition classifying circuit to classify a condition of the at least one entity in accordance with a model and based on information from the social network data collection circuit, where the model is trained using a training data set of a plurality of outcomes related to the at least one entity. The system may further include an automated bond management circuit to manage an action related to the bond in response to the classified condition of the at least one entity.Type: GrantFiled: December 4, 2020Date of Patent: September 26, 2023Assignee: Strong Force TX Portfolio 2018, LLCInventor: Charles Howard Cella
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Patent number: 11762528Abstract: A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.Type: GrantFiled: January 19, 2022Date of Patent: September 19, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Anshuman M. Duneja, Uma Meyyappan, Stanislav Roumiantsev, Bipin M. Sahni, Jennifer Toby Whateley, Janelle Wolak
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Patent number: 11763013Abstract: This invention discloses a novel system and method for transaction document management where personnel from two sides of a business transaction involving one or more documents that constitute the transaction can interact with the system in order to automate the process of tracking executed signature pages associated with the documents. In addition, the system and method automates the tracking of exceptions to at least one of the documents and associating the exception with one or more documents comprising due diligence documents that may also reside on the system.Type: GrantFiled: July 26, 2016Date of Patent: September 19, 2023Assignee: Workshare, Ltd.Inventors: Ben Ridgway, Ted Sabety
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Patent number: 11755977Abstract: The present disclosure is directed method and apparatus that may automatically adjusting credits that offered to support a project based on received project information. Information received by a computer that evaluates credit adjustments may include a property value, a current amount of debt, a current value of project materials, type of project materials, a current credit amount, and an address associated with the product. Such methods may include using received client information to establish an account credit offer based on the received client information, establish a project credit offer based on reived project information, generate an adjustment multiple when the project credit offer is different than the account credit offer, and change the account credit offer based on the project credit offer and the adjustment multiple.Type: GrantFiled: June 22, 2022Date of Patent: September 12, 2023Assignee: Billd, LLCInventor: Christopher Lee Doyle
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Patent number: 11755964Abstract: A user of a personal computing device may identify multiple travel items of interest displayed for purchase by a network-based travel service. However, the user may not desire to purchase the travel items in a single purchase. Upon making a travel purchase that includes a first travel item that does not include a second travel item corresponding to the first travel item, the user may employ the network travel package service to search for second travel items corresponding to the first travel item, select from discounted travel packages including the first travel item and second travel items returned from the search, and purchase a discounted travel package. Beneficially, multiple travel items may be purchased separately while obtaining a package discount as compared to the stand-alone price of the travel items.Type: GrantFiled: August 6, 2021Date of Patent: September 12, 2023Assignee: Expedia, Inc.Inventors: Glenn William Wallace, Barbara Perks, Michael Edward Hamm, Jada Michelle Williams, William George Long, Derek John Zumsteg, Michael Stephen Tuck-Lee, Lam Chi Ha
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Patent number: 11756057Abstract: Disclosed is a method for estimating vulnerability and systemic importance in transaction networks. The method comprises receiving transaction data relating to plurality of nodes of transaction network. The method further comprises determining adjacency matrix and transition matrix from the received transaction data; determining centrality parameter for a node in transaction network by treating the given node as an absorbing node thereby simulating a faulty node, obtaining adjusted transition matrix by removing outgoing connections of the given node from the transition matrix, and determining fundamental matrix indicative of centrality parameter of the given node, based on the adjusted transition matrix. The method further comprises determining rank of a node based on the centrality parameter corresponding thereto, wherein the rank of a given node is indicative of vulnerability of the transaction network in an event of a failure of the given node.Type: GrantFiled: September 16, 2020Date of Patent: September 12, 2023Inventors: Kimmo Soramäki, Samantha Cook
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Patent number: 11755957Abstract: A system for multitemporal data analysis is provided, comprising a directed computation graph service module configured to receive input data from a plurality of sources, analyze the input data to determine a best course of action for analyzing the input data, and split the input data for queueing to a general transformer service module or a decomposable service module based at least in part by analysis of the input data; a general transformer service module configured to receive data from the directed computation graph service module, and perform analysis on the received data; and a general transformer service module configured to receive data from directed computational graph module, and perform analysis on the received data.Type: GrantFiled: May 26, 2021Date of Patent: September 12, 2023Assignee: QOMPLX, INC.Inventors: Jason Crabtree, Andrew Sellers
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Patent number: 11748734Abstract: At least some embodiments of the present disclosure are directed to an exemplary system including an application server; a cache memory storage; and a datastore; where the application server is at least configured to: receive, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day; store the real-time user-related activity data in a temporary cache user profile data structure of the at least one cache memory storage; upon the receipt of the real-time user-related activity data, invoke, in real-time, a plurality of APIs that are configured to determine a user-specific eligibility data, generate a fixed activity plan; and attribute, in real-time, an activity performance to the fixed activity plan based on a pre-determined allocating rule.Type: GrantFiled: October 3, 2019Date of Patent: September 5, 2023Assignee: American Express Travel Related Services Co., Inc.Inventors: James N. Berry, Jeffrey A. Chwast, Arvind Dua, Philip B. Hayden, Jahanzeb Jabbar, Sireesh B. Kilaru, Michael L. Sanabria
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Patent number: 11741006Abstract: A configuration mapping system and method increase the effectiveness of mapping of information from an established product line to a new product offering. In at least one embodiment, the configuration mapping system herein uses configuration mapping rules to map individual product features and entire configurations from established products to a new product offering. The configuration mapping system also provides a way to appropriately map, for example, demand and sales information for the purpose of demand estimation and sales prediction. Conventionally, mapping can be ineffective because the configuration mapping rules usually focus on one part of the product at a time, and, if applied in isolation, the impact on other parts is missed. The systems and method herein provide a way to integrate configuration mapping rules across feature parts, time periods, and product lines into a unified, holistic view, allowing for new insights.Type: GrantFiled: November 22, 2019Date of Patent: August 29, 2023Assignee: Trilogy Intellectual Property Holdings, Inc.Inventors: Aditya P. Kulkarni, Sourabh Kukreja
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Patent number: 11743252Abstract: Disclosed herein are methods, systems, and processes for facilitating security orchestration, automation, and response (SOAR) in cybersecurity computing environments that use biometric data or implement biometric data gathering. An instruction is periodically transmitted to a protected computing device to perform a security scanning operation that captures biometric data generated from a biometric device associated with the protected computing device. The biometric data received from the protected computing device includes a biometric identity of a trusted user or an untrusted user. A security database is accessed to determine whether the biometric identity matches a stored biometric identity of the trusted user.Type: GrantFiled: March 16, 2021Date of Patent: August 29, 2023Assignee: Rapid7, Inc.Inventors: Jared Frankston, Barry Curran, Luke Milby, Ashwin Anand
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Patent number: 11741443Abstract: Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.Type: GrantFiled: June 26, 2019Date of Patent: August 29, 2023Assignee: NCR CorporationInventors: Mohammad Jamal Mohiuddin, Sanjay Menghani, Bhanu Prakash Singh
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Patent number: 11735021Abstract: A building management system includes one or more computer-readable storage media having instructions stored thereon that, when executed by one or more processors, cause the one or more processors to receive threat events from one or more data sources, each threat event including a description and for each threat event determine whether the description for the threat event corresponds to one of a multiple predefined threat categories, generate a standardized threat object for the threat event using the corresponding predefined threat category, and in response to determining the description does not correspond to one of the predefined threat categories, process the description using a natural language processing engine to identify one of the predefined threat categories to be assigned to the threat event and generate a standardized threat object for the threat event using the predefined threat category identified by the natural language processing engine.Type: GrantFiled: December 6, 2021Date of Patent: August 22, 2023Assignee: JOHNSON CONTROLS TYCO IP HOLDINGS LLPInventor: Sajjad Pourmohammad
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Patent number: 11734774Abstract: Systems and methods for crowdsourcing data collection for condition classification of bond entities are disclosed. An example system may include a crowdsourcing data collection circuit to collect information about entities involved in a set of bond transactions and a training data set of outcomes related to the entities. The example system may include a condition classifying circuit to classify a condition of a set of issuers using the information from the crowdsourcing data collection circuit and a model, where the model is trained using the training data set of outcomes related to the set of issuers. The example system may also include an automated agent circuit to perform an action related to a debt transaction in response to the classified condition of at least one issuer of the set of issuers.Type: GrantFiled: December 4, 2020Date of Patent: August 22, 2023Assignee: Strong Force TX Portfolio 2018, LLCInventor: Charles Howard Cella
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Patent number: 11734353Abstract: The present disclosure provides multi-sampling model training methods and devices. One exemplary training method includes: performing multi-sampling on samples to obtain a training set and a validation set in each sampling; using the training set and the validation set obtained in each sampling as a group, and performing model training and obtaining a trained model using the training set in each group; evaluating the trained model using the training set and the validation set in each group separately; eliminating or retaining the trained model based on the evaluation results and a predetermined elimination criterion; obtaining prediction results of the samples using retained models; and obtaining a final model by performing combined model training on the retained models using the prediction results. The final model obtained using embodiments of the present disclosure can be more robust and stable, and can provide more accurate prediction results, thus greatly improving efficiency of modeling.Type: GrantFiled: August 24, 2018Date of Patent: August 22, 2023Assignee: Alibaba Group Holding LimitedInventors: Ke Zhang, Wei Chu, Xing Shi, Shukun Xie, Feng Xie
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Patent number: 11734756Abstract: Examples described herein relate to systems, apparatuses, and methods for generating a securitized loan blockchain, including providing at least one security criterion, identifying at least one loan block of a loan blockchain that satisfies the security criterion, where the loan blockchain corresponds to at least one loan, and the security criterion is associated with the at least one loan block and a dynamic financial profile of a borrower of the at least one loan, and generating a security blockchain including at least a first security block, where the first security block is associated with a loan link identifier object that identifies the loan block of the loan blockchain.Type: GrantFiled: July 23, 2021Date of Patent: August 22, 2023Assignee: Wells Fargo Bank, N.A.Inventors: David Duccini, Phillip H. Griffin, David Newman, Nishant Usapkar
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Patent number: 11734769Abstract: A system to provide a risk relationship life event analytical modeling platform via a back-end application computer server of an enterprise. The system may include a risk relationship data store that contains electronic records representing potential risk relationships between the enterprise and a plurality of entities. Each record may include an electronic record identifier, at least one third-party indication associated with an upcoming life event, and a communication address. The server may determine a selected potential risk relationship and retrieve, from the risk relationship data store, the electronic record associated with the selected potential risk relationship. An analytical model may be executed based on the upcoming life event to generate a proactive notification including information based on the upcoming life event and data in the electronic record. The server may then automatically transmit information about the proactive notification to the communication address.Type: GrantFiled: March 15, 2022Date of Patent: August 22, 2023Assignee: HARTFORD FIRE INSURANCE COMPANYInventors: Jennifer Maia Amaral, Matthew Brown, Christopher J Gimpl
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Patent number: 11727506Abstract: Systems and methods for automated servicing of a subsidized loan are disclosed. An example system may include a crowdsourcing services circuit to collect information related to a set of entities involved in a set of subsidized loan transactions and a condition classifying circuit including a model and an artificial intelligence services circuit to classify a set of parameters of the set of subsidized loans based on information from the crowdsourcing services circuit, where the model is trained using a training data set of outcomes related to subsidized loans. The example system may further include a smart contract circuit for automatically modifying a term or a condition of the subsidized loan based on the classified set of parameters from the condition classifying circuit.Type: GrantFiled: December 4, 2020Date of Patent: August 15, 2023Assignee: Strong Force TX Portfolio 2018, LLCInventor: Charles Howard Cella
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Patent number: 11727504Abstract: A system and method for automated blockchain custody service for managing a set of custodial assets with block chain authenticity verification is disclosed.Type: GrantFiled: August 20, 2020Date of Patent: August 15, 2023Assignee: Strong Force TX Portfolio 2018, LLCInventor: Charles Howard Cella
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Patent number: 11720527Abstract: This invention relates generally to data assembly and analytics, as can be used in the personal finance and banking field, and more particularly to the field of lending and credit notification methods and systems. Preferred embodiments of the present invention provide systems and methods for creating objects which can be used in multiple implementations to generate scores.Type: GrantFiled: April 6, 2021Date of Patent: August 8, 2023Assignee: ZestFinance, Inc.Inventors: John W. L. Merrill, John J. Beahan