Financial Patents (Class 707/950)
  • Patent number: 11880853
    Abstract: A fuel price determination system may receive transaction data identifying purchases, made with transaction cards and mobile transaction card applications of client devices, of fuel at fuel stations. The fuel price determination system may receive location data identifying locations associated with users of the client devices and the transaction cards, and user history data associated with prior purchases of fuel at fuel stations by the users. The fuel price determination system may process the transaction data, location data, and user history data, with a machine learning model, to determine fuel prices at the fuel stations. The fuel price determination system may determine a ranked list of particular fuel stations in a geographical area based on the fuel prices and populate, based on the location data and the ranked list, a map to identify the particular fuel stations and the fuel prices at the particular fuel stations.
    Type: Grant
    Filed: November 3, 2020
    Date of Patent: January 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: James Zarakas, Adam Vukich, Molly Johnson
  • Patent number: 8977615
    Abstract: A zoom in/out interface to a ratings system provides navigation to users for inspection and interaction with prescribed indicators underlying an integrated rating of a company's performance. The interface presents at various different depths in a hierarchy of the prescribed indicators the multivariate relationships that exist among the indicators, expressed as variable values, as well as the basis for the underlying values of each indicator down to the source of the data.
    Type: Grant
    Filed: March 3, 2005
    Date of Patent: March 10, 2015
    Assignee: Thomson Reuters Global Resources
    Inventors: Peter Ohnemus, Henrik Steffensen, David Leason, Dominique Habegger
  • Patent number: 8965799
    Abstract: A financial reporting system for reading, organizing and manipulating any accounting data and producing financial reports that may be customized to the preferences of the user. In one embodiment there is an organizational data structure for accounting data, including a trial balance data structure having a plurality of trial balance data structure elements containing accounts of the accounting data, wherein the trial balance data structure elements are linked by a distinct doubly linked list of trial balance data structure elements pointers, further comprising sub-lists of trial balance data structure elements pointers to group the accounts of the accounting data into financial statement items.
    Type: Grant
    Filed: December 28, 2010
    Date of Patent: February 24, 2015
    Inventor: Jacques Nault
  • Patent number: 8924393
    Abstract: A system and method for improving the accuracy of the automatic categorization of financial transactions provides a flexible and comprehensive approach to the automatic categorization of financial transactions whereby the payee data associated with the financial transaction and one or more of: data indicating the transaction amount, and how products and/or services of various kinds are typically priced; data indicating the time associated with the transaction; data indicating the time intervals between related transactions; and data indicating the transaction amount as compared to pricing data associated with the payee of the transaction, is analyzed to determine a financial category to automatically apply to the financial transactions.
    Type: Grant
    Filed: July 28, 2011
    Date of Patent: December 30, 2014
    Assignee: Intuit Inc.
    Inventor: Girish Mallenahally Channakeshava
  • Patent number: 8843522
    Abstract: In one embodiment of the present invention, a computer-implemented method includes receiving a set of alphanumeric information. A first set of metadata is generated that is associated with the alphanumeric information, and a second set of metadata is generated that is associated with the alphanumeric information. The first set of metadata is transmitted at a first time and the second set of metadata is transmitted at a second time subsequent to the first time. The first and/or second sets of metadata can be used to trigger an automated trade of a security.
    Type: Grant
    Filed: September 15, 2008
    Date of Patent: September 23, 2014
    Assignee: Thomson Reuters (Markets) LLC
    Inventors: Alex M. Spinelli, Doron T. Houminer, Mans Anders Olof-Ors
  • Patent number: 8620819
    Abstract: A database record controls a license to use a computational component. An input receives an order identifier associated with an order related to a computational component and an interface retrieves order information associated with the identifier. The order information comprises at least one material code. A material code mapping agent compares the material code with at least one material code mapping table to identify corresponding computational component information associated with the material code.
    Type: Grant
    Filed: October 30, 2009
    Date of Patent: December 31, 2013
    Assignee: Avaya Inc.
    Inventors: William T. Walker, Bruce G. Lieou, Mary K. Lourenco, Robert J. Serkowski, Leslie Levy
  • Patent number: 8572134
    Abstract: A system for storing messages in an on-disk database (ODDB), comprises an interface operable to receive a first message comprising first data from an execution venue, wherein the first message is one of a group of associated messages related to a financial transaction, a processor communicatively coupled to the interface, the processor is operable to load the first message into an in-memory database (IMDB), identify a second message in the group of associated messages, transform the second message with the first data from the first message, and determine whether all messages in the associated group of messages have been loaded into the IMDB, and the interface is further operable to transfer the first message to the ODDB.
    Type: Grant
    Filed: June 20, 2011
    Date of Patent: October 29, 2013
    Assignee: Bank of America Corporation
    Inventors: Reinier Van Rooyen, Richard A. Mandel
  • Patent number: 8549027
    Abstract: Computer-implemented systems and methods are provided for reducing a number of options presented to a user where the options have characteristics that are arranged in a multi-dimensional hierarchical space. A system and method can be configured to identify common dimensions using dimension nodes in dimensional points and identify compatible nodes for each dimension in the multi-dimensional hierarchical space by determining whether an association exists. Compatible pairs of surviving points are generated after applying each of the compatible nodes from the common dimensions. Greatest lower bounds (GLBs) are computed for each of the generated compatible points, and a set of options is generated comprising points from the generated compatible points and the computed GLBs.
    Type: Grant
    Filed: June 18, 2009
    Date of Patent: October 1, 2013
    Assignee: SAS Institute Inc.
    Inventors: Zhiyong Li, Rajesh Hotchandani, Austin Patrick Maher
  • Patent number: 8539006
    Abstract: A Chart of accounts (COA) is maintained as a logical set of constraints, criteria, and relationships and does not persist any of the valid combinations until a first time a particular combination is used. When any business logic or properties need to be set or referenced on an individual combination, that combination is physically persisted “just in time” and then becomes a physical combination that may be used going forward. A hash value is associated with each combination such that lookups are simplified.
    Type: Grant
    Filed: November 1, 2010
    Date of Patent: September 17, 2013
    Assignee: Microsoft Corporation
    Inventors: Jeffrey Anderson, William Frandsen, John Healy, Steven Degele
  • Patent number: 8538936
    Abstract: A system and method for data compression using compression hardware is disclosed. In accordance with the method, a data set in a data stream is received. The data set includes a set of data descriptor fields. The data set is portioned into one or more data subsets using the set of data descriptor fields. One or more tabular slices and an index are generated for at least one of the data subsets using the set of data descriptor fields. The one or more tabular slices are identified by the index. The one or more tabular slices are compressed into a compressed data block by a data compression scheme using a hardware compressor. A compression data file is generated in a database. The compression data file has a header that stores information about the data compression scheme. The compressed data block is stored in the compression data file.
    Type: Grant
    Filed: July 25, 2011
    Date of Patent: September 17, 2013
    Assignee: Thomson Reuters (Markets) LLC
    Inventors: Kenneth Allen Williams, Michael Liberty
  • Patent number: 8527474
    Abstract: A method begins with receiving an indication that one of a plurality of merchant data files includes an inconsistency with respect to a corresponding merchant profile record in a merchant profile database. The merchant data file of the plurality of merchant data files includes merchant name, merchant business address, and merchant business information. The method continues with receiving a request to authenticate the updating of the corresponding merchant profile record when the inconsistency for the one of the plurality of merchant data files is addressed by a merchant device updating the corresponding merchant profile record. The merchant device corresponds to a merchant of the one of the plurality of merchant data files. The method continues with providing an authentication response regarding the updating of the corresponding merchant profile record.
    Type: Grant
    Filed: August 26, 2009
    Date of Patent: September 3, 2013
    Assignee: Visa USA, Inc.
    Inventor: Linda R. Hardy-McGee
  • Patent number: 8463831
    Abstract: Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view including a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.
    Type: Grant
    Filed: June 30, 2008
    Date of Patent: June 11, 2013
    Assignee: Checkfree Corporation
    Inventors: Mark T. Harris, Hans D. Dreyer, Donald Kenneth Hobday, Jr.
  • Patent number: 8356052
    Abstract: A method of analyzing customer behavior, where customers are engaged in customer-to-customer transactions in a third-party network, includes a transformation of data representing the customer-to-customer transactions from a data representation to a network representation, and then analyzing the network representation. The network representation includes a set of nodes and a set of links where each node represents a customer and each link represents a transaction between two of the customers.
    Type: Grant
    Filed: March 15, 2012
    Date of Patent: January 15, 2013
    Assignee: Mantas, Inc.
    Inventors: Tao Zhang, Steven Kirk Donoho
  • Patent number: 8321465
    Abstract: Systems and methods are provided for the provision of data for transmission and/or storage, the transmission and storage of data, and, more particularly, to data coding for transmission and/or storage and to decoding of received and/or accessed or retrieved coded data. In an embodiment of the invention, data is assembled into coded data structures comprising a plurality of fields that, e.g., may contain actual or implied field values, and data associated therewith that relates to the plurality of fields. Encoding and decoding of the data may take place with reference to one or more associated data models, and a coded data structure according to this embodiment may contain content only (field values and data identifying the structure). This allows for a reduction in size of the data structure as compared to, e.g., a data structure comprising program code or all data needed to describe the data in the data structure.
    Type: Grant
    Filed: November 14, 2005
    Date of Patent: November 27, 2012
    Assignee: Bloomberg Finance L.P.
    Inventors: Emanuel Farber, Scott Halstead, Michael J. Hardin, Paul Crispin Williams
  • Patent number: 8315974
    Abstract: A computer network architecture for making procurement-related information that has been generated on a transaction level available to data warehousing techniques is described. The network includes a transaction processing layer with at least one accounting component with a general ledger data base for centrally storing information contained in accounted-related data sets, a data warehousing layer and an additional data sourcing layer. A duplicator receives the data sets that will be or have been stored in the general ledger data base and delivers duplicates of those data sets that fulfil a predefined criteria in a procurement context. A source data base stores the duplicated data sets on a data line level. An extractor of the data sourcing layer interfaces with the data warehousing layer and selectively moves data contained in data lines or sets of data lines from the source data base to the data warehousing layer.
    Type: Grant
    Filed: January 16, 2009
    Date of Patent: November 20, 2012
    Assignee: SAP AG
    Inventors: Karsten Bruening, Georg Dopf, Stefan Gauger, Danny Pannicke, Rolf Schumann, Peter Schwarz, Juergen Alfred Seyfried, Andreas Reccius
  • Patent number: 8090747
    Abstract: Exemplary embodiments of system, computer-accessible medium and method can be provided for organizing or analyzing at least two sets of data. The sets of data can be organized and/or analyzed by generating a data structure for the sets of data and comparing the data structure for the at least two sets of data. The data structure can be in the form of a phylogenetic-type tree, and at least one of the sets of the data can include time series data.
    Type: Grant
    Filed: May 21, 2008
    Date of Patent: January 3, 2012
    Assignee: New York University
    Inventors: Samantha Kleinberg, Bhubaneswar Mishra
  • Patent number: 8060423
    Abstract: Financial data associated with one or more “contributing consumers” is obtained from one or more sources and categorized and associated with a specific expense/income category. One or more attributes associated with the contributing consumers are then identified and used to analyze, aggregate, and categorize the financial data according to the attributes. Data representing a user financial transaction is then obtained for categorization and one or more specific user attributes associated with the user are identified. The user financial transaction is then categorized based, at least in part, on the categorization of similar contributing consumer financial transactions by contributing consumers having at least one of the specific user attributes.
    Type: Grant
    Filed: March 31, 2008
    Date of Patent: November 15, 2011
    Assignee: Intuit Inc.
    Inventors: Marko Rukonic, James Robert Del Favero, Chris Lee, George A. Hansen, Benjamin Weiss, Barron R. Ernst
  • Patent number: 8024778
    Abstract: A system of the invention comprises a design module, execution engine, and performance management module. A first computer hosts the design module which enables a user to define attributes, queries, and decision rules transmitted to the execution engine hosted on a second computer remote to the first computer. The second computer can be located at a credit bureau, credit reporting agency, or other data provider. The second computer runs the execution engine to query a data repository with the user-defined attributes and queries, and applies the user-defined decision rules to produce result data transmitted to a third computer hosting the performance management module for monitoring performance of a benefit or offering made with the result data and the corresponding attributes, queries, and decision rules that generated the result data.
    Type: Grant
    Filed: April 7, 2006
    Date of Patent: September 20, 2011
    Assignee: CRIF Corporation
    Inventors: Joseph Larry Cash, Edith D Ryan, Ray F Bridenbaugh, Jr.
  • Patent number: 8019843
    Abstract: A system of the invention comprises a design module, execution engine, and performance management module. A first computer hosts the design module which enables a user to define attributes, queries, and decision rules transmitted to the execution engine hosted on a second computer remote to the first computer. The second computer can be located at a credit bureau, credit reporting agency, or other data provider. The second computer runs the execution engine to query a data repository with the user-defined attributes and queries, and applies the user-defined decision rules to produce result data transmitted to a third computer hosting the performance management module for monitoring performance of a benefit or offering made with the result data and the corresponding attributes, queries, and decision rules that generated the result data.
    Type: Grant
    Filed: April 7, 2006
    Date of Patent: September 13, 2011
    Assignee: CRIF Corporation
    Inventors: Joseph Larry Cash, Edith D Ryan, Ray F Bridenbaugh, Jr.
  • Patent number: 7987161
    Abstract: A system and method for data compression using compression hardware is disclosed. According to one embodiment, a computer-implemented method comprises receiving a data set in a data stream. The data set includes a set of data descriptor fields. Using the set of data descriptor fields included in the data set, one or more tabular slices and an index are generated. The one or more tabular slices are compressed into a compressed data block by a data compression scheme using a hardware compressor. A compression data file is generated using the compressed data block and stored in a database.
    Type: Grant
    Filed: May 30, 2008
    Date of Patent: July 26, 2011
    Assignee: Thomson Reuters (Markets) LLC
    Inventors: Ken Williams, Michael Liberty
  • Patent number: 7966329
    Abstract: A method for categorizing financial transactions, that includes identifying a vendor of the first financial transaction. An attempt is made to categorize the transaction on a first categorization level complying with a first categorization scheme, then a second categorization level that complies with a second categorization scheme, and then a third categorization level that complies with a third categorization scheme. The first categorization scheme differs from the second categorization scheme. When the transaction cannot be categorized on a previous categorization level, the attempt is made for the next level and the second categorization level. The transaction is categorized on the third level. The method further includes displaying the vendor category.
    Type: Grant
    Filed: July 30, 2008
    Date of Patent: June 21, 2011
    Assignee: Intuit Inc.
    Inventors: Marko Rukonic, Suresh R. Rao
  • Patent number: 7962517
    Abstract: The present invention is defined by the following claims, and nothing in this section should be taken as a limitation on those claims. By way of introduction, the preferred embodiments describe below include a method of simultaneously presenting user specific real-time financial information includes authenticating a user, for example by using a user-id and password. Then receiving an input from the user indicating the shareholder of interest. The user is then presented with a list of the shareholder's account information. The shareholder account information can be retrieved from several different record keeping systems. The record keeping systems can be maintained by different entities and can store the respective account information in different formats. The shareholder account information can be retrieved by broadcasting an account inquiry to the record keeping systems or by using a cross-reference table that indicates which record keeping systems the shareholder has accounts with.
    Type: Grant
    Filed: February 2, 2010
    Date of Patent: June 14, 2011
    Assignee: DST Systems, Inc.
    Inventors: Robert L. Tritt, Kyle M. Mallot, Todd P. Glasgow, Bradley C. Glascock, Scott A. Hawkins
  • Patent number: 7917530
    Abstract: Various embodiments disclosed herein are directed to managing and sharing data between web accessed calculators. The systems include a data store to persist calculator inputs and outputs and share them with other calculators and with customer service representatives.
    Type: Grant
    Filed: March 26, 2010
    Date of Patent: March 29, 2011
    Assignee: United Services Automobile Association (USAA)
    Inventors: Mason Eubank, Nikolay Eshkenazi, Neff Karl Hudson, Michael Wayne Lester
  • Patent number: 7882137
    Abstract: A process for determining object level profitability includes the steps of (1) preparing information to be accessed electronically, (2) establishing rules for processing the prepared information, (3) calculating at least one marginal value of profit using established rules as applied to a selected set of prepared information, (4) calculating a fully absorbed value of profit adjustment using established rules as applied to the selected set of prepared information, and (5) combining the at least one marginal value of profit and fully absorbed value of profit adjustment to create a measure for object level profitability. The inventive process gives management profit measures tailored to its need for accurate decision oriented profit information required to manage a large organization based on profit measurement.
    Type: Grant
    Filed: March 10, 2009
    Date of Patent: February 1, 2011
    Inventor: Richard Tad Lepman
  • Patent number: 7747622
    Abstract: A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, and/or the like. The method includes storing model and model variable data within a relational database system, receiving a request from a user interfacing with the system via a web interface, extracting search criteria and presentation preferences from the request, formulating and executing one or more queries on the database to retrieve the required data, formatting the data in accordance with the request, and retuning the data to the requesting user in the form of a web page.
    Type: Grant
    Filed: December 27, 2006
    Date of Patent: June 29, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manisha Jain, Michael Shamai Oralevich, Sandeep K. Sacheti, Deep Thomas, Donald Robert McGimpsey
  • Patent number: 7743057
    Abstract: A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, and/or the like. The method includes storing model and model variable data within a relational database system, receiving a request from a user interfacing with the system via a web interface, extracting search criteria and presentation preferences from the request, formulating and executing one or more queries on the database to retrieve the required data, formatting the data in accordance with the request, and retuning the data to the requesting user in the form of a web page.
    Type: Grant
    Filed: December 27, 2006
    Date of Patent: June 22, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manisha Jain, Michael Shamai Oralevich, Sandeep K. Sacheti, Deep Thomas, Donald Robert McGimpsey
  • Patent number: 7730064
    Abstract: A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, and/or the like. The method includes storing model and model variable data within a relational database system, receiving a request from a user interfacing with the system via a web interface, extracting search criteria and presentation preferences from the request, formulating and executing one or more queries on the database to retrieve the required data, formatting the data in accordance with the request, and retuning the data to the requesting user in the form of a web page.
    Type: Grant
    Filed: January 4, 2007
    Date of Patent: June 1, 2010
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manisha Jain, Michael Shamai Oralevich, Sandeep K. Sacheti, Deep Thomas, Donald Robert McGimpsey
  • Patent number: 7720818
    Abstract: A system and method for on-line management of account information by customers of a provider of goods or services. A web server receives billing information from a telecommunications service provider in a standardized XML-format readily suitable for viewing by the customers. The system further includes a tiered storage system for maintaining invoices of the customers. Recent invoices are maintained in an upper tier of the storage system where they are accessible to customers over the Internet. As the invoices age, an archival and retrieval application periodically transfers the invoices to an intermediate tier where they may only be accessed by the archival and retrieval application using an index maintained in the upper tier. Account receivable information is also available on-line through the web site.
    Type: Grant
    Filed: December 30, 2002
    Date of Patent: May 18, 2010
    Assignee: Sprint Communications Company L.P.
    Inventor: Joseph G. Laura