Patents By Frip

February 18, 2020

Total CPC G06Q Subclass (business methods) patents issued:  139

Financial industry business method patents reviewed herein:   10

PATENT: Methods and apparatus for ingestion of legacy records into a mortgage servicing blockchain; US 10,565,644 B2; 2/18/2020; CPC G06Q 40/025; assigned to Ranieri IP, LLC.

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.

PATENT: Systems and methods for operating a math-based currency exchange; US 10,565,645 B1; 2/18/2020; CPC G06Q 40/04; assigned to Wells Fargo, N.A.

ABSTRACT: A method of performing a currency trade involving a math-based currency ("MBC") for a customer having a MBC account with a financial institution is described. The financial institution receives a trade order and determines an optimal trade sequence that may involve more than one trade to achieve the initially requested currency trade. The financial institution updates account balances associated with the customer on an overlay ledger to reflect the currency trade. The overlay ledger includes information relating to account balances of a plurality of MBC accounts associated with a plurality of customers.

PATENT: Methods and apparatus to internalize trade orders; US 10,565,646 B2; 2/18/2020; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Methods and apparatus to internalize trade orders are described herein. An example method includes obtaining, via an internalization manager, a trade order communicated to an exchange. The trade order corresponds to a tradeable object offered at the exchange. The example method includes comparing, via the internalization manager, the trade order to one or more trade orders in an internalization order record to determine whether a matching contra-side trade order is included in the one or more trade orders in the internalization order record.

PATENT: Secure multi-server interest rate based instrument trading system and methods of increasing efficiency thereof; US 10,565,647 B1; 2/18/2020; CPC G06Q 40/04; 15 claims; assigned to Next Level Derivatives, LLC.

FIELD: The present innovations generally address apparatuses, methods, and systems for data and database management, and financial instrument and derivative construction, trading, and management, and more particularly, include secure multi-server interest rate based instrument trading system and methods of increasing efficiency thereof ("IRFI").

PATENT: Mobile communication device, methods and systems; US 10,565,648 B1; 2/18/2020; CPC G06Q 40/04; assigned to Citibank, N.A.

ABSTRACT: Mobile communication devices, systems, and methods involve receiving an extension of a trading-related application running on a mobile computing device by one or more processors of a wearable computing device and displaying a visualization of trading-related data on a display screen of the wearable computing device received via wireless communication with the mobile computing device from one or more back-end servers. A capture of input on the wearable computing device is detected by the mobile computing device via wireless communication with the wearable computing device and forwarded by the mobile computing device to the one or more backend servers.

PATENT: System and method for enhanced electronic networked settlement processor; US 10,565,649 B1; 2/18/2020; CPC G06Q 40/04; assigned to Chicago Stock Exchange, Inc.

ABSTRACT EXCERPT: A system and method are provided for settlement and delivery of cash settled futures contracts overlying open-ended mutual fund shares with optional delivery of mutual fund shares when physical settlement is elected. On the last date of the contract, a party which has an open position in the contract tenders the clearing organization a request to elect optional physical settlement of a specified number of shares of the mutual fund in additional to the standard cash settlement of those contracts.

PATENT: Content selection for mobile device; US 10,565,650 B2; 2/18/2020; CPC G06Q 40/04; 12 claims; assigned to Op-Palvelut Oy (FI).

ABSTRACT: Content selection for a mobile device. An apparatus obtains classified weekly consumption data of a consumer, calculates for each consumption class a relative daily value for each day of the week, calculates for each consumption class a content relevance probability in a selected day of the week on the basis of a relative daily value of the selected day of the week affected by a relative daily value of at least one day following the selected day of the week, controls a content selection for the consumer on the selected day of the week on the basis of the calculated content relevance probabilities for the selected day, and transmits the selected content to a mobile device of the consumer on the selected day.

PATENT: Equation-based transaction request messaging and transaction processing; US 10,565,651 B2; 2/18/2020; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A data transaction processing system receives and processes equation-based electronic data transaction request messages. Transmitting equation-based electronic data transaction request messages that represent a large series of discrete values reduces the data transmission to the data transaction processing system. Processing equation-based electronic data transaction request messages instead of a series of discrete values reduces the amount of time need to perform transactions, greatly reducing processing latency. Equation-based electronic data transaction request messages can also be efficiently updated by modifying equation parameters, again reducing the amount of data transmitted to the data transaction processing system.

PATENT: System and method for automatic repositioning of market information in a graphical user interface; US 10,565,652 B2; 2/18/2020; CPC G06Q 40/04; 17 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A method for automatically positioning information related to a commodity on a graphical user interface. Market information is displayed on the graphical user interface. The market information may be presented as a number of indicators, corresponding to particular items of interest, that are associated with a static scale. The scale may, for example, represent price. Upon detecting a predetermined condition, the location of the market information is automatically repositioned.

PATENT: Slicer order quantity reduction tool; US 10,565,653 B2; 2/18/2020; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: The disclosed embodiments generally relate to a slicer order quantity reduction tool. An example method for reducing a quantity of a slicer order includes calculating a collective quantity associated with available ones of a plurality of child orders; comparing the collective quantity and a reduction amount received in connection with a quantity reduction request for the slicer order; and determining, when the comparison indicates that the available ones of the child orders have insufficient quantity to meet the reduction amount, whether inflight ones of the plurality of child orders collectively have sufficient quantity to make up a shortfall of the available ones of the child orders.

February 11, 2020

Total CPC G06Q Subclass (business methods) patents issued:  115

Financial industry business method patents reviewed herein:   10

PATENT: Secure real-time product ownership tracking using distributed electronic ledgers; US 10,558,955 B2; 2/11/2020; CPC G06Q 20/0655; 19 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: A processor receives a signal representing data including event information detailing an event involving an entity having a registered ownership interest in a product and loads a portion of a distributed electronic ledger for tracking ownership information associated with the product.

PATENT: Shareable widget interface to mobile wallet functions; US 10,558,963 B2; 2/11/2020; CPC G06Q 20/202; 15 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: Configuring a shareable widget interface to mobile wallet functions includes disposing a wallet module in a memory of a client device, and disposing a wallet companion applet in a secure element accessible by the client device, wherein the wallet companion applet facilitates access by at least one other applet and at least one wallet module to content that is stored in the secure element via a mobile wallet function sharable interface.

PATENT: Modified confirmation element data for transaction confirmation; US 10,558,969 B2; 2/11/2020; CPC G06Q 20/3226; 19 claims; assigned to Visa International Service Association.

ABSTRACT: A transaction is conducted by a user. Confirmation element data and a corresponding confirmation element identifier are generated for the transaction. The confirmation element data and an authorization response message for the transaction are then associated by the confirmation element identifier. The confirmation element data and the confirmation element identifier are sent to a mobile device of the user. The user enters a user personal identifier at the mobile device, which generates modified confirmation element data comprising the user personal identifier. The modified confirmation element data is sent with the authorization response message to a processing entity.

PATENT: Systems and methods for use in facilitating transactions; US 10,558,975 B2; 2/11/2020; CPC G06Q 20/4012; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where the payment account is associated with at least one authentication procedure requiring input from the consumer to authenticate the consumer in connection with the transaction and where the authentication request message includes at least one detail related to the transaction.

PATENT: Unique identification of customer using an image; US 10,558,976 B1; 2/11/2020; CPC G06Q 20/40145; 10 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method for authenticating an individual for login to a server computer includes receiving at the server computer data for a first authentication image from an electronic computing device. First attributes are identified of one or more similar geometrical shapes from the data for the first authentication image. A determination is made as to whether the first attributes of the one or more similar geometrical shapes from the data for the first authentication image correspond to second attributes from a second authentication image accessible on or by the server computer. When the first attributes correspond to the second attributes, the individual is authenticated on the server computer.

PATENT: System and method for linking bill payment service with remittance; US 10,558,977 B2; 2/11/2020; CPC G06Q 20/40145; 2 claims; assigned to MasterCard International Incorporated.

ABSTRACT: An enrollment of a receiver in a biometric authentication system is obtained. The receiver is challenged with a pre-remittance biometric challenge from the biometric authentication system prior to initiating a remittance to the receiver. An indication is obtained that the remittance has at least been initiated to a financial account of the receiver. The indication includes successful completion of the pre-remittance biometric challenge by the receiver. Responsive to obtaining the indication, at least one payee is automatically paid from the financial account.

PATENT: Systems and methods for analyzing spending behavior of participants associated with fund disbursement programs; US 10,559,031 B2; 2/11/2020; CPC G06Q 40/02; 16 claims; assigned to MasterCard International Incorporated.

FIELD: The present disclosure generally relates to systems and methods for use with fund disbursement programs, in which purchase behaviors of participants to the programs are analyzed in order to provide certain responses to the participants regarding the purchase behaviors, for example, to incentivize certain behaviors and discourage others.

PATENT: Creation and redemption for ETP shares of bulky metals; US 10,559,032 B2; 2/11/2020; CPC G06Q 40/04; 20 claims; assigned to Blackrock Institutional Trust Company, N.A.

ABSTRACT EXCERPT: To create shares of an ETP based on a bulky metal, an authorized participant (AP) provides an amount of material, such as base or bulky metal, that is within an allowable range of the target value. A central intermediary intermediates the transfer of the mismatched weight between the ETP and the AP to bring the amount of the applicable material or bulky metal to the exact amount needed for the creation (or redemption, in the reverse transaction) of the ETP shares.

PATENT: Deploying and implementing centralized trading and tracking computing platforms to support tri-party trading; US 10,559,033 B2; 2/11/2020; CPC G06Q 40/04; 18 claims; assigned to Bank of America Corporation.

ABSTRACT: Aspects of the disclosure relate to computer systems that provide effective, efficient, scalable, and convenient ways of securely and uniformly managing how internal computer systems exchange information with external computer systems to provide and/or support different products and services offered by an organization, such as a financial institution. For example, one or more aspects of the disclosure relate to centralized trading and tracking computing platforms that may perform various functions, including supporting tri-party trading, and may integrate with other computer systems operated by an organization, such as a financial institution. As illustrated in greater detail below, the centralized trading and tracking computing platforms may support trading operations in which a financial institution operating the centralized trading and tracking computing platforms trades assets that are held away from the financial institution by a third-party custodian or trustee on behalf of a customer or other beneficiary.

PATENT: Systems and methods for verifying user identity based on social media messaging; US 10,559,034 B2; 2/11/2020; CPC G06Q 40/04; 27 claims; assigned to The Toronto-Dominion Bank.

FIELD: The disclosed embodiments generally relate to computerized systems and methods for authenticating user identity, and more particularly, and without limitation, computerized systems and methods that facilitate an automated verification of user identity based on social media messaging.

February 4, 2020

Total CPC G06Q Subclass (business methods) patents issued:  167

Financial industry business method patents reviewed herein:   9

PATENT: Behavior based determination of financial transaction favorites; US 10,552,902 B1; 2/4/2020; CPC G06Q 40/02; 20 claims; assigned to Wells Fargo.

ABSTRACT EXCERPT: Techniques are described for monitoring a plurality of financial transactions of a customer performed across a plurality of financial accounts. The techniques may include determining a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions.

PATENT: Systems and methods for displaying order performance metrics; US 10,552,903 B2; 2/4/2020; CPC G06Q 40/04; 11 claims; assigned to Fidessa Trading UK Limited.

ABSTRACT: Systems and methods for generating a graphical representation for and displaying order performance metrics for one or more user orders of one or more market instruments. A graphical representation of the order performance metrics can be aligned with a graphical representation of market data relating to prices and volume of user orders, market orders, user order executions, and market trades. The order performance metrics can be displayed as one or more performance bars or ribbons divided into segments, which can be assigned a color based on a user order's performance with respect to a market benchmark. The graphical representations can be displayed using a display device.

PATENT: Device, system, and method for transfer of commodities; US 10,552,904 B2; 2/4/2020; CPC G06Q 40/04; 20 claims; assigned to Castor Pollux Holdings SARL.

ABSTRACT EXCERPT: A device, system, and method transfer commodities using tokens. The method performed by a first entity includes receiving from a second entity a request for tokens, the request indicating an unallocated position of a commodity of the second entity, the unallocated position managed by a third entity.

PATENT: System and method for improved distribution of market information; US 10,552,906 B2; 2/4/2020; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A data distribution system and method are described herein to improve the distribution of market information to subscribing client devices. Market information updates are provided to subscribing devices over a communication link every time a change in the market occurs. If a bandwidth limitation is reached on the communication link, the preferred embodiments switch to a second mode of transmission such that the market information updates are provided only at predetermined intervals. The preferred embodiment monitors the bandwidth consumption to determine what mode of transmission to apply, and in response, it can dynamically change between modes of transmission.

PATENT: Charting multiple markets; US 10,552,907 B2; 2/4/2020; CPC G06Q 40/04; 14 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: The present embodiments relate to charting multiple markets. In some embodiments, charting multiple markets may include receiving market data for a plurality of tradeable objects. The plurality of tradeable objects may include an anchor object and at least one non-anchor object. The market data may include anchor object price data for the anchor object and non-anchor price data for the at least one non-anchor object. The non-anchor object price data may be converted based on the anchor object price data such that converted non-anchor object price data has a price scale of the anchor object price data. The anchor object price data and the non-anchor object price data may be displayed along a normalized price axis.

PATENT: Virtual over-the-counter financial product exchange system; US 10,552,908 B2; 2/4/2020; CPC G06Q 40/06; 54 claims; assigned to Yellowjacket, Inc.

TECHNICAL FIELD: The present invention generally relates to computer systems for trading and analyzing derivative products, and more particularly, software that aggregates and integrates derivative products trading information from various broker networks.

PATENT: Fund of funds analysis tool; US 10,552,909 B2; 2/4/2020; CPC G06Q 40/06; 39 claims.

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.

PATENT: Method and system for allocating deposits over a plurality of depository institutions; US 10,552,910 B1; 2/4/2020; CPC G06Q 40/06; 20 claims; assigned to Island Intellectual Property LLC.

FIELD: The field of the invention relates generally to administration of client transaction accounts, and administration of interest-bearing aggregated deposit accounts at program banks.

PATENT: Facilitation of accrual based payments between counterparties by a central counterparty; US 10,552,929 B2; 2/4/2020; CPC G06Q 40/06; 23 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A system for moving money between accounts of traders by a central counterparty to facilitate a plurality of payments, i.e. the movement of funds, there between is disclosed which provides a flexible mechanism which supports simpler accounting, new types of derivatives contracts as well new types fees.

January 28, 2020

Total CPC G06Q Subclass (business methods) patents issued:  109

Financial industry business method patents reviewed herein:   9

PATENT: Mobile wallet as a consumer of services from a service provider; US 10,546,283 B2; 1/28/2020; CPC G06Q 20/202; 20 claims; assigned to MasterCard Mobile Transactions Solutions, Inc.

ABSTRACT: A system for supporting transactions by mobile devices includes a mobile transaction platform server hosting and managing a plurality of wallet services and at least one interface for deployment of the mobile transaction server within a network ecosystem used by a service provider. The service provider uses a resource of the mobile transaction platform to publish software that provides incremental functionality to a wallet application that operates on the mobile transaction platform.

PATENT: Closed system processing connection; US 10,546,287 B2; 1/28/2020; CPC G06Q 20/228; 21 claims; assigned to Visa International Service Association.

SUMMARY: Embodiments of the invention relate to improved methods of processing prepaid cards (e.g., gift cards) issued by merchants using closed system connections that can communicate through a payment processing network. Embodiments of the invention allow a consumer having a prepaid card issued by a first merchant to use the prepaid card at a second merchant.

PATENT: Mobile wallets with automatic element selection; US 10,546,289 B1; 1/28/2020; CPC G06Q 20/36; 17 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Methods and systems are disclosed for determining a wallet element for a transaction from among plurality of elements in a mobile wallet application operating on a mobile device. The mobile device, can for example, receive data from a contactless terminal that includes a transaction type such as a payment type or non-payment type transaction.

PATENT: Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device; US 10,546,290 B2; 1/28/2020; CPC G06Q 20/36; 20 claims; assigned to MasterCard International Incorporated.

TECHNICAL FIELD: The subject matter described herein relates to wireless devices conducting payment and non-payment transactions. More particularly, the subject matter described herein relates to methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device.

PATENT: Fraudulent activity shell; US 10,546,299 B1; 1/28/2020; CPC G06Q 20/4016; 16 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Systems, methods, and other embodiments associated with a fraudulent activity shell. According to one embodiment, a system includes an application having a normal environment and a shell environment. The system also includes a trigger logic that determines whether an action satisfies a trigger condition. In response to determining that the action satisfies the trigger condition, the trigger logic triggers the application to enter a fraudulent activity mode from a default mode. In the fraudulent activity mode, the normal environment is configured to hold the action. The shell environment is configured to display the action as executed in the fraudulent activity mode.

PATENT: Cardbot system and associated APIs; US 10,546,312 B2; 1/28/2020; CPC G06Q 30/0215; 13 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A method of assisting with payment of a transaction involving a first user and a second user using a CardBot System including a CardBot API residing in a chat platform is disclosed.

PATENT: Systems and methods to program operations for interaction with users; US 10,546,332 B2; 1/28/2020; CPC G06Q 30/06; 11 claims; assigned to Visa International Service Association.

ABSTRACT: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign.

PATENT: Systems and methods for presenting vehicular transaction information in a data communication network; US 10,546,335 B2; 1/28/2020; CPC G06Q 30/0611; 21 claims; assigned to Royal Bank of Canada.

ABSTRACT EXCERPT: A system for dynamically presenting vehicular transaction information in a data communication network includes a network interface subsystem and a dynamic communication subsystem.

PATENT: Methods and systems to employ aggregated order quantity modification strategies; US 10,546,349 B2; 1/28/2020; CPC G06Q 40/04; 17 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: The disclosed embodiments provide an order balancing tool for modifying one or more components of an aggregated order in response to a change in quantity of the aggregated order. As used herein, the phrase "aggregated order" refers to two or more trade orders for a same tradeable object at a same price that may be distributed between two or more electronic exchanges. Aggregating trade order quantities may be useful, for example, for trading groups to improve the likelihood of the total number of contracts being filled by placing one trade order rather than two separate trade orders that may be separated by additional trade orders received from different accounts.

January 21, 2020

Total CPC G06Q Subclass (business methods) patents issued:  119

Financial industry business method patents reviewed herein:   10

PATENT: User interface with controller for selectively redistributing funds between accounts; US 10,540,712 B2; 1/21/2020; CPC G06Q 40/02; 12 claims; assigned to The PNC Financial Group, Inc.

ABSTRACT: A graphical user interface including a controller for redistributing funds between a first account and a second account. The controller includes a slidable element positionable over a fixed background element to define a first segment and a second segment of the background element. A length of the first segment is representative of a balance of the first account, and a length of the second segment is representative of a balance of the second account.

PATENT: Method and apparatus to evaluate and provide funds in online environments; US 10,540,713 B2; 1/21/2020; CPC G06Q 40/02; 12 claims; assigned to Kabbage, Inc.

ABSTRACT EXCERPT: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider.

PATENT: Financial analysis in a computing environment; US 10,540,714 B1; 1/21/2020; CPC G06Q 40/02; 20 claims; assigned to Capital One Services, Inc.

ABSTRACT EXCERPT: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data.

PATENT: Automated options trading system that generates a flattened trading spread; US 10,540,715 B2; 1/21/2020; CPC G06Q 40/04; 20 claims; assigned to TD Ameritrade IP Company, Inc.

ABSTRACT EXCERPT: Disclosed herein are system, method, and computer program product embodiments for generating a flattened trading spread. An embodiment operates by receiving one or more inputs indicating criteria for a potential trade including a stock, a predicted direction for the stock, a predicted duration for the predicted direction, a tolerable probability of success, and a tolerable percentage of potential loss from an account. A scan on the stock within the predicted duration is executed against a database containing real-time quotes and associated trading data.

PATENT: Directed order; US 10,540,716 B2; 1/21/2020; CPC G06Q 40/04; 21 claims; assigned to NYSE Group, Inc.

ABSTRACT: A directed order process and related market center are disclosed, wherein a market center grants permission to order sending firms to send directed order flow to participating designated market makers. Such designated market makers create a virtual guarantee order book for each permissioned order sending firm. If an order sending firm sends a directed order to the market center that is marketable against a virtual guarantee order, then the market center automatically pairs the orders in a two-sided directed cross order instruction, which executes against any superior trading interest in the marketplace first before crossing.

PATENT: Financial products trading system and financial products trading control method; US 10,540,717 B2; 1/21/2020; CPC G06Q 40/04; 10 claims; assigned to Hitachi, Ltd., and Tokyo Stock Exchange, Inc.

TECHNICAL FIELD: The present invention relates to a financial products trading system and a financial products trading control method. Note that "financial products trading" in the present invention refers to securities trading and derivatives trading defined in the Financial Instruments and Exchange Act and to commodity derivatives trading defined in the Commodity Derivatives Act.

PATENT: Cover-OCO for legged order; US 10,540,718 B2; 1/21/2020; CPC G06Q 40/04; 11 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A position associated with a synthetic spread order may be managed where a status of a synthetic spread order is identified as legged. The synthetic spread order may have at least one child hedge order pending at an electronic exchange and in response, a bracket order is submitted to an electronic exchange for the tradable object associated with a filled leg of the synthetic spread. In response to execution of the bracket order, the child hedge order may be cancelled.

PATENT: Method and apparatus for message flow and transaction queue management; US 10,540,719 B2; 1/21/2020; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Management of transaction message flow utilizing a transaction message queue. The system and method are for use in financial transaction messaging systems. The system is designed to enable an administrator to monitor, distribute, control and receive alerts on the use and status of limited network and exchange resources. Users are grouped in a hierarchical manner, preferably including user level and group level, as well as possible additional levels such as account, tradable object, membership, and gateway levels. The message thresholds may be specified for each level to ensure that transmission of a given transaction does not exceed the number of messages permitted for the user, group, account, etc.

PATENT: Systems and methods for administering investment portfolios based on transaction data; US 10,540,720 B2; 1/21/2020; CPC G06Q 40/06; 20 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to modify an investment risk tolerance of a user based on transaction data identifying one or more first products purchased by the user and one or more prior financial services transactions associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on a portion of the transaction data and the modified investment risk tolerance. In certain aspects, the identified first securities may be related to at least one of the purchased products.

PATENT: Mobile wallets with packaged travel services; US 10,540,729 B1; 1/21/2020; CPC G06Q 50/14; 21 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Methods and systems for location-based mobile wallets are disclosed. A one-time mobile wallet can be established on a mobile device and associated with a travel itinerary. Device data and external data can be used with the travel itinerary to determine a travel assistance action. The location of the mobile device can be determined using GPS and/or contactless terminal data, for example. Based on the location of the mobile device and the travel itinerary, a travel assistance action can be performed.

January 14, 2020

Total CPC G06Q Subclass (business methods) patents issued:  92

Financial industry business method patents reviewed herein:   9

PATENT: Systems and methods for financial operations performed at a contactless ATM; US 10,535,047 B1; 1/14/2020; CPC G06Q 20/1085; 19 claims; assigned to Wells Fargo.

ABSTRACT: Methods and systems for completing financial operations via a contactless automated teller machine are disclosed. A financial institution computing system includes a network interface circuit exchanging information over a network, a customer database retrievably storing financial information relating to a plurality of customers, and a data exchange circuit. The data exchange circuit receives a financial operation request. The financial operation request is generated by an automated teller machine in response to a payment token received from a mobile wallet circuit on a mobile device. The data exchange circuit authorizes the financial operation request based on information in the customer database.

PATENT: Automated financial transactions; US 10,535,048 B2; 1/14/2020; CPC G06Q 20/1085; 20 claims; assigned to IBM.

ABSTRACT: Arrangements relate to processing financial transactions on an automated teller machine (ATM). An ATM identifier can be presented on a display of the ATM. An ATM identifier confirmation can be received from a mobile computing device. Responsive to determining that the ATM identifier confirmation matches the identifier presented on the display of the ATM, a customer authentication or a transaction request can be received from the mobile computing device. Responsive to verifying the customer authentication or the transaction request, the transaction request can be processed.

PATENT: Payment transactions via substantially instant communication system; US 10,535,049 B2; 1/14/2020; CPC G06Q 20/12; 13 claims; assigned to PayPal, Inc.

ABSTRACT: A method and a system conducts payment transactions via instant messaging. The system includes a messaging interface to receive a payment transaction request at a payment application from a network-based device via a network. The messaging interface facilitates substantially instant communication over the network. The payment application, responsive to receiving the payment transaction request, transfers a payment from a user associated with the network-based device to a third party.

PATENT: Automated transfer of enriched transaction account data to a submitted record of charge; US 10,535,050 B2; 1/14/2020; CPC G06Q 20/12; 20 claims; assigned to American Express Travel Related Services Company, Inc.

ABSTRACT: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

PATENT: Mobile payment station system and method; US 10,535,058 B2; 1/14/2020; CPC G06Q 20/3223; 30 claims; assigned to Mobile Equity Corp.

ABSTRACT EXCERPT: A mobile device is used to initiate and execute a transaction between a customer and a merchant. A mobile device is used to initiate a point of sale transaction, wherein a merchant ID is sent to a payment processing server. Responsive to receiving a communication from the mobile device, the payment processing server requests transaction information from the merchant, wherein the merchant is identified based on the provided merchant ID.

PATENT: System and method for processing financial transactions using a mobile device for payment; US 10,535,060 B2; 1/14/2020; CPC G06Q 20/3226; 18 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the conducting of financial transactions using a mobile device, specifically the selection of a payment account for funding a financial transaction using a mobile device for Internet and point-of-sale transactions.

PATENT: Using a contactless card to securely share personal data stored in a blockchain; US 10,535,062 B1; 1/14/2020; CPC G06Q 20/3674; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.

PATENT: Secure payment transactions based on the public bankcard ledger; US 10,535,065 B2; 1/14/2020; CPC G06Q 20/401; 17 claims; filed by Business Information Exchange System Corp.

ABSTRACT: A system for bankcard payments, wherein payments are peer-to-peer transactions between the cardholder and merchant without participation from any third party. The system uses standard bankcards and supports both debit and credit card payments. For authorization of payments the system uses a special, global, distributed, append-only, and secure public bankcard ledger. The entries in the ledger are virtual accounts used for bankcard payments, organized into account chains. The system provides security, privacy, anonymity, and untraceability for cardholders and their transactions. The system allows for various users of the system to participate in transactions using preexisting payment systems. In one embodiment, specially designed mobile software modules and an innovative payment protocol all for transactions to be made between users.

PATENT: Financial market trading system; US 10,535,099 B2; 1/14/2020; CPC G06Q 40/04; claims; assigned to Refinitiv US Organization LLC.

ABSTRACT: According to the present invention, there is provided a computer system for providing a centralized trading service to one or more trading party sites, the system comprising: a) a service data centre comprising: i) a trading computer arranged to process and communicate trading data and to generate trading ticket data in respect of confirmed trades on the basis of trading data: ii) a data store accessible to the trading computer for temporarily storing trading ticket data records; and b) one or more trading party sites each comprising at least one user terminal running a hypermedia browser application, each trading party site being located remotely from the data centre, and being arranged to communicate with the trading computer over a packet-switched communications network: the system being arranged to present, to users of the terminals, hypermedia user interface components comprising trading data received from the trading computer.

January 7, 2020

Total CPC G06Q Subclass (business methods) patents issued:  157

Financial industry business method patents reviewed herein:   9

PATENT: Method and system for pre-transaction installment payment solution and simulation of installment; US 10,529,016 B2; 1/7/2020; CPC G06Q 40/025; 20 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the flagging and processing of pre-approved installment transactions, specifically the pre-approval of a payment transaction by an issuing financial institution for processing as an installment and the flagging of the transaction as such during processing without requiring modification to existing point of sale systems.

PATENT: Credit scoring and pre-approval engine integration; US 10,529,018 B1; 1/7/2020; CPC G06Q 40/025; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT: Embodiments of systems and methods using integrated credit scoring and pre-approval tools are described. A credit score tool may obtain a user's credit score and associated credit information for display to the user. A credit pre-approval tool may assemble credit-related information for evaluation by a predictive model to determine whether a pre-approved offer of credit should be presented to the user along with the credit score.

PATENT: Trading platform with automated negotiation and option crossing; US 10,529,019 B2; 1/7/2020; CPC G06Q 40/04; 30 claims; assigned to Trebuchet Holding, LLC.

ABSTRACT: A system and method for trading securities that include at least one options leg is provided. The system generally includes a database, handlers, a network and at least one server. The database stores user information, security information and transaction information. The handlers receive information feeds from at least one public exchange. The at least one server implements an exchange facility that is capable of exchanging information with client terminals to allow the client to initiate at least one offer to trade a security having an option leg, identifying users interested in the offer, broadcasting the offer to the interested users and conducting a defined period auction among the interested users. The system and method also automatically cross the options legs on exchanges and facilitate negotiation when the auction is not consummated.

PATENT: Rule based vector space model for creating implied trade templates; US 10,529,020 B2; 1/7/2020; CPC G06Q 40/04; 22 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A match engine is utilized by either a market participant or an electronic trading system. The match engine receives orders, stores them internally, calculates tradable combinations and displays or otherwise publishes the tradable combinations or the order(s) needed to complete tradable combinations. The match engine operates under a set of rules that may be customized to provide only the tradable combinations that are likely to be executed and contribute to total trading volume. At least some tradeable combinations that are not likely to be traded are not calculated, which frees up the computing capacity of the electronic trading system.

PATENT: Retail aggregator apparatuses, methods and systems; US 10,529,021 B2; 1/7/2020; CPC G06Q 40/04; 13 claims; assigned to NYSE Group, Inc.

ABSTRACT: Systems and methods for facilitating retail price improvement of a security order. The systems and methods may include receiving at an exchange, using a processor, a retail order to buy or sell a security; receiving at the exchange, using a processor, a contra-side non-displayed order for the security, wherein the contra-side non-displayed order has an improved price relative to a benchmark; and filling, using a processor, at least a portion of the retail order at the improved price using the contra-side non-displayed order.

PATENT: Computer methodology providing as-of-day volatility surface construction for pricing; US 10,529,022 B2; 1/7/2020; CPC G06Q 40/04; 18 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A method and system are disclosed for more efficiently constructing a volatility surface. The methodology results in measurable reduction in the quantity of storage memory space needed on a computer executing the novel methodology, reduces the measurable, on-demand computational load on the processor(s) of a computer executing the novel methodology, and also permits as-of-day calculations of the volatility surface that were previously impossible to obtain in near real-time.

PATENT: System and method for displaying risk data in an electronic trading environment; US 10,529,023 B2; 1/7/2020; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: An example graphical interface and method for displaying risk related data are described. One example graphical interface includes a data structure comprising a plurality of data nodes and at least one risk data point associated with each node, and further comprises a display grid. The display grid includes one or more cells that are used for displaying selected data nodes and risk data points. Each cell may be associated with a single data node, and may include one or more identifiers corresponding to risk data points of the data node. In one example embodiment, the identifiers are aligned along a single axis, and risk related data corresponding to each identifier is aligned with respect to each corresponding identifier.

PATENT: Facilitating business transactions between trading networks; US 10,529,024 B2; 1/7/2020; CPC G06Q 40/04; 20 claims; assigned to JDA Software Group, Inc.

ABSTRACT EXCERPT: A system is disclosed for establishing an interconnection between trading networks. The system receives an access establishment request communicated from a home user subscribed to a home trading network and not subscribed to a foreign trading network, the access establishment request including a request to access a desired application, the desired application associated with the foreign trading network. The system further communicates the access establishment request to a foreign operator computer system and receives an approval of the access establishment request communicated from the foreign operator computer system.

PATENT: In-line FIX packet translator; US 10,529,024 B2; 1/7/2020; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Certain embodiments provide systems and methods to perform in-line translation of message content according to FIX protocol variants in a trading system. An example method includes receiving, at a computing device, a message formatted according to a FIX protocol, the message including message content and a message wrapper, the message wrapper providing session and delivery information for the message to a target. The example method includes performing in-line translation of the message content of the received message to adjust the message content according to a predefined set of rules without affecting the message wrapper (with the possible exception of the message size) and message routing session. The example method includes facilitating routing of the message to the target based on the message wrapper.

December 31, 2019

Total CPC G06Q Subclass (business methods) patents issued:  136

Financial industry business method patents reviewed herein:   5

PATENT: Categorizing financial transactions based on spending patterns; US 10,521,856 B1; 12/31/2019; CPC G06Q 40/00; 16 claims; assigned to Intuit Inc.

ABSTRACT: During operation of a system, a financial transaction of an individual is associated with one or more predefined categories based on scores that indicate the likelihood of association. For example, a given predefined category may include a merchant name (such as the name of a potential counterparty in the financial transaction) and/or an attribute associated with one or more merchants. The score for a given predefined category may be determined based on a number of occurrences of the given predefined category in financial-transaction histories of a subset of a group of individuals who have common spending patterns in their financial-transaction histories. Moreover, the spending pattern may be based on values of financial transactions in the financial-transaction histories.

PATENT: Reprice-to-block order; US 10,521,858 B2; 12/31/2019; CPC G06Q 40/04; 5 claims; assigned to NYSE Group, Inc.

ABSTRACT: A reprice-to-block order and related market center and process are disclosed which automatically reprice a posted limit order to the price of a block trade executed at an inferior price on a market away from the market center that posted the limit order.

PATENT: Biddable financial instrument, online competitive bidding platform for trading thereof and associated system and method of trading thereof; US 10,521,859 B2; 12/31/2019; CPC G06Q 40/04; 9 claims; assigned to Clarity Markets Holdings LLC.

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.

PATENT: Order entry actions; US 10,521,860 B2; 12/31/2019; CPC G06Q 40/04; 11 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Various embodiments disclosed herein relate to order entry. In the electronic trading process, order entry involves setting one or more order entry parameters, sending one or more order entry parameters, or both setting and sending one or more order entry parameters. As will be described in more detail below, various order entry actions, such as moving a cursor across an order entry line, moving a cursor into an order entry region, pressing an order entry button, or performing a gesture, may be used to trigger the setting, sending, or both setting and sending of one or more order entry parameters. At least some embodiments relate to enabling an order entry action before the order entry action is able to set, send, or both set and send one or more order entry parameters.

PATENT: Decentralized asset custody and clearing platform system; US 10,521,861 B1; 12/31/2019; CPC G06Q 40/04; 10 claims; assigned to Blue Helix.

ABSTRACT: The present disclosure provides a method and system for decentralized digital asset storage and transfer. An exemplary system includes a platform including at least three dedicated and computationally independent computing nodes, and a first access gateway communicably coupled to the platform. The platform is configured to, upon receipt of a digital asset storage or transfer instruction via said first access gateway, perform a method including: performing, by each said node independently, a verification process in respect of said instruction to determine a verification result, and broadcasting said verification result thereof to the other nodes; determining a consensus between verification results determined by said nodes; and in the event of a consensus, each node processing said instruction, independently of said other nodes.

December 24, 2019

Total CPC G06Q Subclass (business methods) patents issued:  109

Financial industry business method patents reviewed herein:  7

PATENT: Person-to-person lending program product, system, and associated computer-implemented methods; US 10,515,405 B2; 12/24/2019; CPC G06Q 40/00; 11 claims; assigned to Metabank.

SUMMARY: The present invention relates generally to the financial service and lending industries, and, more particularly, to products, systems, and associated methods to finance a gap filling loan for a deficiency amount associated with a person-to-person loan request and to provide loans and guarantees from a financial institution for loan requests associated with a person-to-person lending.

PATENT: Information decision making and display; US 10,515,406 B1; 12/24/2019; CPC G06Q 40/025; 9 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: An information processing and display system includes a first database storing milestones associated with an approval process. A computing system is configured to access the first database and estimate start dates for the milestones. A risk of delay is determined for the milestones based on information associated with the approval process, and first adjusted start dates are estimated based on the determined risk of delay.

PATENT: Systems and methods for bid/offer liquidity spread trading; US 10,515,408 B2; 12/24/2019; CPC G06Q 40/04; 122 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: Apparatus and methods for automatically executing a trade of an item between a market participant who issues a request for a quote for an item and a market participant who responds to the request are provided. In some embodiments, an automatic trade may be conditioned upon the acknowledgement, by the participant who issues the request, of an obligation to execute the trade.

PATENT: Distributing work load of high-volume per second transactions recorded to append-only ledgers; US 10,515,409 B2; 12/24/2019; CPC G06Q 40/04; 13 claims; assigned to

Domus Tower, Inc.

ABSTRACT: Various of the disclosed embodiments concern systems and methods for expediting the settlement of securities traded on an exchange. A settlement system can generate electronic records of financial transactions by bundling a trade report, clearing instructions, etc., into a cryptographic ledger. Current cryptographic ledgers do not handle transactions at the rate which securities are traded. In order to improve rate processing for cryptographic ledgers shared transaction trees are used.

PATENT: Method and system for calculating and providing initial margin under the standard initial margin model; US 10,515,410 B2; 12/24/2019; CPC G06Q 40/04; 22 claims; assigned to International Swaps and Derivatives Association, Inc.

SUMMARY: The invention relates to a method and system for calculating and providing an overall initial margin for non-cleared derivatives based on a novel Standard Initial Margin Model ("SIMM").

PATENT: Trade action confirmation tool; US 10,515,411 B2; 12/24/2019; CPC G06Q 40/04; 6 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Systems, methods, and apparatus for confirming trade actions are disclosed. An example method includes displaying a trade action cell corresponding with a trade action, receiving an initiation command, determining that the trade action was initiated based on the initiation command, receiving a confirmation command, wherein the confirmation command is a selection of the same trade action cell, and executing the trade action based on reception of the confirmation command.

PATENT: System and method for dynamically adapting asset allocation and withdrawal rates; US 10,515,413 B1; 12/24/2019; CPC G06Q 40/06; 21 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: Methods and systems for generating a recommended retirement profile for a retiree are disclosed herein. An indication to generate, for a retiree, a recommended retirement profile is received. A plurality of decumulation parameters are identified, and a utility function is computed based on the decumulation parameters. The recommended retirement profile is generated based on the computed utility function.

December 17, 2019

Total CPC G06Q Subclass (business methods) patents issued:  110

Financial industry business method patents reviewed herein:   5

PATENT: Send cryptographic currency to email address; US 10,510,053 B2; 12/17/2019; CPC G06Q 20/065; 12 claims; assigned to Coinbase, Inc.

SUMMARY: The invention provides a host computer system for transacting bitcoin including a processor, a network interface device connected to the processor, a computer readable medium connected to the processor, a data store on the computer readable medium and a set of instructions on the computer readable medium that are executable by the processor. The set of instructions includes a wallet establishment module, a login module, a hosted email module and a wallet management.

PATENT: Systems and methods for generating and administering mobile applications using pre-loaded tokens; US 10,510,071 B2; 12/17/2019; CPC G06Q 20/3829; 19 claims; assigned to Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens "pre-loaded" with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is "pre-loaded" with eligible financial products.

PATENT: Providing financial transaction data to a user; US 10,510,113 B2; 12/17/2019; CPC G06Q 40/02; 8 claims; assigned to MX Technologies, Inc.

ABSTRACT EXCERPT: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool.

PATENT: Distributed trading bus architecture; US 10,510,114 B2; 12/17/2019; CPC G06Q 40/04; 20 claims; assigned to New York Mercantile Exchange, Inc.

FIELD: The present invention relates, in general, to financial transaction software, and, more particularly, to software, systems and methods for processing transactions in a regulated exchange in a distributed fashion.

PATENT: Computerized exchange controlled network system and related method; US 10,510,115 B2; 12/17/2019; CPC G06Q 40/04; 10 claims; assigned to Dearborn Financial, Inc.

FIELD: The present teachings generally pertain to systems and methods for energy market hedging, and particularly to a computerized exchange controlled network able to exercise controls over virtually all aspects of data access and order processing of various types of tradable assets, without the use of intermediaries.

December 10, 2019

Total CPC G06Q Subclass (business methods) patents issued:  157

Financial industry business method patents reviewed herein:   11

PATENT: System and method to search and verify borrower information using banking and investment account data and process to systematically share information with lenders and government sponsored agencies for underwriting and securitization phases of the lending cycle; US 10,504,174 B2; 12/10/2019; CPC G06Q 40/025; 20 claims; assigned to Early Warning Services, LLC.

ABSTRACT: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).

PATENT: Method, system and machine readable program for mitigating effects of spikes in financial data; US 10,504,175 B2; 12/10/2019; CPC G06Q 40/04; 21 claims; assigned to Revinitiv US Organization LLC.

ABSTRACT EXCERPT: A method for analyzing financial data generated in an exchange in communication with a client/server network. The method includes the steps of receiving a first set of data related to a financial instrument on the exchange, the first set of data being within a time interval and including: a high value for the financial instrument during the time interval; a low value for the financial instrument during the time interval; an opening value for the financial instrument during the time interval; and a closing value for the financial instrument during the time interval.

PATENT: Variants of NAV-based trading for less closely-linked components of index arbitrage complexes; US 10,504,176 B2; 12/10/2019; CPC G06Q 40/04; 48 claims; assigned to

Navigate Fund Solutions LLC.

ABSTRACT: Systems and methods are provided in which a first module is configured to execute a trade of a securities futures product on an underlying financial instrument for which a net asset value calculated and published at or after a specified time. A second module determines a price for the executed trade, which is (a) a first price which is at a specified discount, (b) a second price which is substantially equal, and/or (c) a third price which is at a premium, to the net asset value or net asset value with basis adjustment. A third module is configured to submit the executed trade for settlement at the determined price.

PATENT: Systems and methods for using secondary market for primary creation and redemption activity in securities; US 10,504,177 B2; 12/10/2019; CPC G06Q 40/04; 20 claims; assigned to NYSE Group, Inc.

ABSTRACT EXCERPT: Systems and methods for transforming an electronic portfolio. A system includes an electronic crossing platform that receives data defining trade orders of the electronic portfolio during an initial time period; compares portions of the data to determine an imbalance of the trade orders remaining after the initial time period and receives, during a final time period, a final trade order from a fund agent device to offset the remaining imbalance.

PATENT: System for physically delivering virtual currencies; US 10,504,178 B2; 12/10/2019; CPC G06Q 40/04; 25 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Systems and methods are disclosed for settling futures contracts that are based on virtual currencies. A clearing counter-party operates a clearing counter-party computer that may oversee physical delivery of virtual currency between a buyer and seller. The clearing counter-party computer does not take possession of the virtual currency and monitors a publically viewable ledger to confirm that transactions have taken place.

PATENT: Social aggregated fractional equity transaction partitioned acquisition apparatuses, methods and systems; US 10,504,179 B1; 12/10/2019; CPC G06Q 40/04; 30 claims; assigned to FMR LLC.

SUMMARY: The Social Aggregated Fractional Equity Transaction Partitioned Acquisition Apparatuses, Methods and Systems, transforms virtual wallet addresses or fractional order purchase request inputs, via SAFETPA components (e.g., Virtual Currency Component, Blockchain Component, Transaction Confirmation Component, etc.), into transaction confirmation outputs.

PATENT: Volume attentive trade liquidity builder; US 10,504,180 B2; 12/10/2019; CPC G06Q 40/04; 20 claims; assigned to The Bartley J. Madden Foundation.

ABSTRACT: Systems and methods are described for aggregating and filling Volume Attentive Trade (VAT) orders using a VAT Liquidity Builder. As described, in various aspects a first grouping of VAT orders may be aggregated by the VAT Liquidity Builder. A second grouping of VAT orders may also be aggregated by the VAT Liquidity Builder. Each of the VAT orders for the first and second groups may each include a set of VAT rules that define a limit price, a share quantity and a VAT delta. The VAT Liquidity Builder may then generate an effective limit price for each of the first group of VAT orders using the corresponding limit prices and VAT deltas, and generate an execution command to fill a particular VAT order having the largest share quantity from the second group of VAT orders with one or more qualifying VAT orders from the first group.

PATENT: Systems and methods for providing a customizable spreadsheet application interface for an electronic trading system; US 10,504,181 B2; 12/10/2019; CPC G06Q 40/04; 18 claims; assigned to CFPH, LLC.

ABSTRACT: Systems and methods for providing a customizable spreadsheet application interface for an electronic trading system or market data source. A customizable spreadsheet application using the application interface according to the invention may be executed or stored either at the client or at a server. In either case, a user is preferably provided with an spreadsheet interface that allows the user to implement a real time electronic trading model. The trading model may preferably be used to trade in the electronic trading system without additional user intervention.

PATENT: User-defined algorithm electronic trading; US 10,504,182 B2; 12/10/2019; CPC G06Q 40/04; 18 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Certain embodiments reduce the risks of traditionally programmed algorithms such as syntax errors, unclear logic, and the need for a non-trader programmer to develop the algorithm as specified by a trader by reducing or eliminating the writing of programming code by a user. Certain embodiments provide building block buttons and an algorithm area to define an algorithm. Certain embodiments provide live evaluation of an expression as the algorithm is being defined. Certain embodiments provide a design canvas area and blocks for designing an algorithm.

PATENT: Methods, apparatus, and systems for processing data transactions; US 10,504,183 B2; 12/10/2019; CPC G06Q 40/04; 40 claims; assigned to Nasdaq Technology AB.

ABSTRACT: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.

PATENT: Fast track routing of streaming data as between multiple compute resources; US 10,504,184 B2; 12/10/2019; CPC G06Q 40/04; 30 claims; assigned to IP Reservoir, LLC.

ABSTRACT EXCERPT: Systems and methods are disclosed for fast track routing of streaming data as between multiple compute resources. For example, the system may comprise a first processor, a second processor, a shared memory that is mapped into a kernel and user space of an operating system for the processor, a network protocol stack, and driver code for execution within the kernel space of the operating system while the operating system is in the kernel mode.

December 3, 2019

Total CPC G06Q Subclass (business methods) patents issued:  142

Financial industry business method patents reviewed herein:   5

PATENT: Systems and methods for authenticating user identities in networked computer systems; US 10,496,988 B2; 12/3/2019; CPC G06Q 20/401; 18 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user.

PATENT: System and method for randomizing orders in an electronic trading environment; US 10,497,056 B2; 12/3/2019; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International.

ABSTRACT: When a trading application on a client terminal receives a trade order, a randomizer application may automatically randomize one or more order parameters to generate a randomized order. For example, an order quantity, a price level, and/or a time period between sending any two consecutive orders may be randomized. The randomized order is then automatically placed on the market.

PATENT: Retail aggregator apparatuses, methods and systems; US 10,497,057 B2; 12/3/2019; CPC G06Q 40/04; 16 claims; assigned to NYSE Group, Inc.

ABSTRACT: Systems and methods for facilitating retail price improvement of a security order. The systems and methods may include receiving at an exchange, using a processor, a retail order to buy or sell a security; receiving at the exchange, using a processor, a contra-side non-displayed order for the security, wherein the contra-side non-displayed order has an improved price relative to a benchmark; and filling, using a processor, at least a portion of the retail order at the improved price using the contra-side non-displayed order.

PATENT: Customer facing risk ratio; US 10,497,058 B1; 12/3/2019; CPC G06Q 40/04; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Provided is a customer facing risk ratio for trading desks that deal primarily in derivatives in order to determine conformance with government regulations as it relates to financial entities. The customer facing risk ratio is a metric that measures customer facing risk exposure for trading desks of the financial entity. The metric may be utilized to determine conformance to various regulations as it relates to derivative transactions. The customer facing risk ratio may be utilized to measure the proportion of customer facing risk exposure compared to the total risk exposure for each trading desk of a financial entity.

PATENT: Systems and methods for intelligent market trading; US 10,497,060 B2; 12/3/2019; CPC G06Q 40/04; 20 claims.

SUMMARY: The present invention relates to a computer-implemented system and method for intelligent market trading implemented with a neural network. The computer-implemented system having processor-executable instructions stored thereon that, when executed by at least one processor, the computer-implemented system comprises an input comprising a database of price of a symbol and a pair in a timeframe, wherein the input is configured to provide a dynamic specification and a predetermined market behavior of each symbol and pair in all individual timeframe. In an embodiment, the computer-implemented system includes a chart processor, which is implemented with the neural network having plurality of layers, and each layer is configured to receive the respective input generating a technical analysis, a trading signal, and a market report.

PATENT: Enterprise resource planning (ERP) integrator system and method; US 10,489,758 B2; 11/26/2019; CPC G06Q 20/10; 20 claims; assigned to Citibank, N.A.

ABSTRACT EXCERPT: The methods and systems described herein attempt to resolve the deficiencies of the conventional systems by using pre-loaded templates and extracting comprehensively populated payment files in an industry standard format for processing.

PATENT: System and method for providing third party payments with non-integrated merchants; US 10,489,761 B2; 11/26/2019; CPC G06Q 20/12; 20 claims; assigned to Capital One Services, Inc.

ABSTRACT: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

PATENT: Cloud-based point-of-sale transaction processing; US 10,489,767 B2; 11/26/2019; CPC G06Q 20/202; 30 claims; assigned to Square, Inc.

ABSTRACT: Techniques for processing a transaction using one or more service computing devices of a payment service that processes transactions for multiple merchants including a merchant are described.

PATENT: Method and server for crediting a monetary amount to a beneficiary account; US 10,489,771 B2; 11/26/2019; CPC G06Q 20/24; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT: According to a first aspect of the disclosure, there is provided a method for crediting a monetary amount to a beneficiary account from which payments are made, the method comprising: identifying, to a server administering the crediting of the beneficiary account, the beneficiary account to which the monetary amount is to be credited; receiving, at the server, an indication of the monetary amount to credit the beneficiary account; comparing the monetary amount against records of past amounts credited into other beneficiary accounts, the records being stored in a database of the server; generating a result of the comparison; and crediting the beneficiary account with the monetary amount.

PATENT: Determining a body mass index of a user of a transaction device and verifying the user for utilization of the transaction device based on the body mass index; US 10,489,788 B1; 11/26/2019; CPC G06Q 20/405; 20 claims; assigned to Capital One Services, Inc.

ABSTRACT: A device receives sensor data that provides an indication of a height of a user of a transaction device, receives camera data that includes one or more images of the user, and scale data that provides an indication of a weight of the user. The device identifies one or more features associated with the user based on the camera data and processes the sensor data, the scale data, and feature information describing the one or more features, with a machine learning model, to estimate a body mass index of the user. The device determines whether the user is verified for utilizing the transaction device to conduct a transaction based on the body mass index and one or more credentials associated with the user and performs one or more actions based on determining whether the user is verified for utilizing the transaction device to conduct the transaction.

PATENT: Retail aggregator apparatuses, methods, and systems; US 10,489,855 B1; 11/26/2019; CPC G06Q 40/04; 38 claims; assigned to NYSE Group, Inc.

ABSTRACT: Systems and methods for facilitating retail price improvement of a security order. The systems and methods may include receiving at an exchange, using a processor, a retail order to buy or sell a security; receiving at the exchange, using a processor, a contra-side non-displayed order for the security, wherein the contra-side non-displayed order has an improved price relative to a benchmark; and filling, using a processor, at least a portion of the retail order at the improved price using the contra-side non-displayed order.

PATENT: Hybrid index derived using a Kalman filter; US 10,489,856 B2; 11/26/2019; CPC G06Q 40/04; 5 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A method of determining a hybrid index may include obtaining, by a computer device, financial transaction information about two or more financial products over a duration. The computer device may be configured to filter the financial transaction information to produce enhanced financial transaction information. The computer device may then determine a financial index value using the financial transaction information and the enhanced financial transaction information.

PATENT: Data capture and real time risk controls for electronic markets; US 10,489,857 B2; 11/26/2019; CPC G06Q 40/04; 20 claims; assigned to Hayannis Port Research, Inc.

ABSTRACT: A distributed, transparent, in-line risk management and traffic capture system that solves securities trading compliance problems. A transparent cut-through sniffer device is coupled with a real-time packet processor to police traffic flows between trading clients and exchange servers.

PATENT: Deploying and implementing centralized trading and tracking computing platforms to support tri-party trading; US 10,489,858 B2; 11/26/2019; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Methods, systems, and computer-readable media for deploying and implementing centralized trading and tracking computing platforms to support tri-party trading are presented.

PATENT: Systems and methods for generating customer transaction test data that simulates real world customer transaction data; US 10,489,864 B1; 11/26/2019; CPC G06Q 40/12; 20 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: The present disclosure generally relates to data processing, and, more specifically, to systems and methods for generating customer transaction test data that simulates real world customer transaction data.

PATENT: Secure anonymous transaction apparatuses, methods and systems; US 10,482,398 B2; 11/19/2019; CPC G06Q 10/00; 20 claims; assigned to Visa International Service Association.

SUMMARY: The present innovations generally address apparatuses, methods, and systems for electronic commerce, and more particularly, include secure anonymous transaction apparatuses, methods and systems (SAT).

PATENT: Systems and methods for mobile device-based item acquisition and tracking; US 10,482,424 B2; 11/19/2019; CPC G06Q 10/087; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list.

PATENT: Real-time transaction and receipt processing systems; US 10,482,433 B1; 11/19/2019; CPC G06Q 20/0453; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosed technology generally relates to transaction and receipt processing systems and, more particularly, systems and methods for real-time transaction processing, receipt processing, and receipt generation based on user defined rules.

PATENT: Systems and methods for identifying suspect illicit merchants; US 10,482,437 B2; 11/19/2019; CPC G06Q 20/12; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: An illicit website identifying (IWI) computing device is described herein, the IWI computing device configured to store a log of suspect illicit websites, the log including website content associated with each suspect illicit website. Each suspect illicit website is associated with a respective merchant.

PATENT: Person to person payment system and method; US 10,482,449 B1; 11/19/2019; CPC G06Q 20/223; 11 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: The invention relates generally to a system and method for facilitating person to person payment transactions, and more particularly to a system and method for facilitating the process of receiving a person to person payment.

PATENT: Method of using bioinformatics and geographic proximity to authenticate a user and transaction; US 10,482,451 B2; 11/19/2019; CPC G06Q 20/327; 15 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods for authenticating payment transactions using a payment card processing system are disclosed. A method for processing one or more payment transactions using a payment processing system in communication with a computer readable storage medium include; es receiving a push or pull request from a first device associated with a first user, wherein the push or pull request relates to a transaction with a second device associated with a second user, receiving a first biometric measurement from the first device, and receiving a second biometric measurement from the second device.

PATENT: Generating a sensory indication; US 10,482,454 B2; 11/19/2019; CPC G06Q 20/341; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A system and method is provided for generating a sensory indication on a transaction card, whereby a user is rewarded with a visual, audial, haptic, or olfactory experience.

PATENT: Systems and methods for blocking credit card charges; US 10,482,467 B1; 11/19/2019; CPC G06Q 20/407; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant.

PATENT: ATM customer messaging systems and methods; US 10,482,529 B1; 11/19/2019; CPC G06Q 40/02; 23 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Identification information for a first account holder at a financial institution is received. The first account holder is authenticated based on the identification information. A second account holder at the financial institution is identified as being known to the first account holder. Inputs are received from the first account holder to configure a message to be displayed to the second account holder. The message is displayed to the second account holder from the first account holder.

PATENT: Method and system for aggregating and managing data from disparate sources in consolidated storage; US 10,482,534 B2; 11/19/2019; CPC G06Q 40/04; 16 claims; assigned to FTEN, Inc.

ABSTRACT EXCERPT: Non-limiting example embodiments include methods and systems for acquiring private financial data from multiple disparate sources. The private financial data is normalized, aggregated, preferably enhanced, and stored in secure storage. Entitled entities may retrieve selected private financial data from that secure storage efficiently, flexibility, and rapidly.

PATENT: Enhanced graphical user interfaces; US 10,475,008 B1; 11/12/2019; CPC G06Q 20/1085; 2 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Enhanced graphical user interfaces and methods for interacting with graphical user interfaces are disclosed.

PATENT: Methods and systems for displaying account information; US 10,475,022 B2; 11/12/2019; CPC G06Q 20/327; 16 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes.

PATENT: Methods and systems for transactional risk management; US 10,475,033 B2; 11/12/2019; CPC G06Q 20/4016; 8 claims; assigned to Citibank, N.A.

ABSTRACT: Methods and systems for managing transactional risk involve, for example, receiving and assessing, using a processor coupled to memory, entity payment transaction information for a predetermined level of risk based at least in part on a payment transaction history of the entity. Likewise using the processor, a report of the predetermined level of risk may be generated, and the payment transaction may be processed for the entity according to predefined processing instructions of the entity.

PATENT: System and method for providing time to cure negative balances in financial accounts while encouraging rapid curing of those balances to a positive net position; US 10,475,118 B2; 11/12/2019; CPC G06Q 40/02; 27 claims; assigned to Huntington Bancshares Incorporated.

ABSTRACT EXCERPT: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured.

PATENT: Directed order; US 10,475,120 B2; 11/12/2019; CPC G06Q 40/04; 21 claims; assigned to NYSE Group, Inc.

ABSTRACT EXCERPT: A directed order process and related market center are disclosed, wherein a market center grants permission to order sending firms to send directed order flow to participating designated market makers. Such designated market makers create a virtual guarantee order book for each permissioned order sending firm.

PATENT: Identification of loss risk candidates for financial institutions; US 10,475,121 B1; 11/12/2019; CPC G06Q 40/04; 17 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Systems and methods of analyzing client activity and identifying loss risk candidates based on the client activities is provided. A client database can be analyzed for determination of clients having a high risk of losses for a financial institution. The determination is based on known activities of filtered clients where the activities are historically indicative of resulting in a loss for the financial institution. A target client profile representative of a high risk client may be selected. The client database can be mapped to find similar clients to be identified as a high risk of loss.

PATENT: Electronic market message management with priority determination; US 10,475,122 B2; 11/12/2019; CPC G06Q 40/04; 27 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Methods, devices, and systems for managing electronic messages of an electronic trading system in which orders are extracted from the electronic messages involve executing actions associated with respect to the orders and matching orders to counter orders. Matching orders may be based on a priority determined using a market quality index of the order and an associated market participant.

PATENT: Coupon blending of swap portfolio; US 10,475,123 B2; 11/12/2019; CPC G06Q 40/06; 2 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate.

PATENT: Computing architecture for managed-account transactions; US 10,475,124 B2; 11/12/2019; CPC G06Q 40/06; 21 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: An improved computing architecture for managed-account transactions is presented. In accordance with embodiments, a computing system may receive data indicating modifications to various investment allocations prescribed by different investment managers and may update corresponding stored investment strategies previously generated by the computing system in accordance with the modifications.

PATENT: Computerized person-to-person asset routing system; US 10,475,129 B2; 11/12/2019; CPC G06Q 40/12; 21 claims; assigned to Bank of America Corporation.

SUMMARY: The present invention embraces a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for processing an image of the negotiable instrument to extract transaction data, comparing the extracted transaction data to a recipient information repository in order to identify recipient routing information, and transferring assets to the recipient via the payee routing information.

PATENT: Volume based transaction cost recovery; US 10,467,612 B2; 11/5/2019; CPC G06Q 20/22; 14 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Apparatus and methods for determining a surcharge yield are provided. A surcharge behavior may be monitored during a time period. A change in a first performance metric may be monitored during the time period. A change in a second performance metric may be monitored during the time period. A relationship between the surcharge behavior, the change in the first performance metric and the change in the second performance metric may be determined. The surcharge yield may be determined based on the relationship.

PATENT: Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms; US 10,467,622 B1; 11/5/2019; CPC G06Q 20/385; 16 claims; assigned to Capital One Services, LLC.

SUMMARY: Embodiments disclosed herein provide systems, methods, articles of manufacture, and computer-readable media for tapping a contactless card to a computing device to securely generate virtual card numbers which can be autofilled in form fields. According to one example, a first application may output a form comprising payment fields. The second application may transmit the encrypted data to an authentication server, the authentication server to verify the encrypted data.

PATENT: System and method for back office processing of banking transactions using electronic files; US 10,467,688 B1; 11/5/2019; CPC G06Q 40/02; 30 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: The present invention generally relates to systems and methods for back office processing of bank transactions and more particularly to a system and method which electronically captures transaction information at the time of execution of the transaction and uses this electronic information during the back office processing.

PATENT: User definable prioritization of market information; US 10,467,691 B2; 11/5/2019; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Methods and systems for user definable prioritization of market information are disclosed. An example method to prioritize market information displayed in a window within a trading interface includes updating the market information displayed in the window at a first frequency, wherein the first frequency is to correspond to a first window priority.

PATENT: High speed processing of financial information using FPGA devices; US 10,467,692 B2; 11/5/2019; CPC G06Q 40/04; 61 claims; assigned to IP Reservoir, LLC.

ABSTRACT: A high speed apparatus and method for processing a plurality of financial market data messages are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to generate a plurality of financial market data messages from a plurality of the data fields, each generated message having a specified message format.

PATENT: Transactionally deterministic high speed financial exchange having improved, efficiency, communication, customization, performance, access, trading opportunities, credit controls, and fault tolerance; US 10,467,693 B2; 11/5/2019; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

PATENT: Transmission latency leveling apparatuses, methods and systems; US 10,467,694 B2; 11/5/2019; CPC G06Q 40/04; 30 claims; assigned to IEX Group, Inc.

ABSTRACT: Embodiments of the transmission latency leveling apparatuses, methods and systems provide an electronic bidding order management infrastructure, such as a "point-of-presence," which receives and routes electronic trading orders from different trading entities at a server via a transmission medium to create a certain amount of transmission latency before the trading orders could arrive at and be executed at electronic exchanges to reduce latency arbitrage and/or order book arbitrage that may be experienced by high frequency trading participants. A similar transmission latency may be applied to the egress transmission of market data updates issued by an electronic exchange. Other techniques for facilitating electronic trading are also disclosed.

PATENT: Systems and methods related to bond valuation; US 10,467,695 B1; 11/5/2019; CPC G06Q 40/04; 11 claims; assigned to Interactive Data Pricing and Reference Data LLC.

ABSTRACT EXCERPT: The system determines a final market adjustment value based on the market adjustment coefficient; and an output component that outputs a pricing estimation of the security based on the final transaction cost adjustment value and the final market adjustment value.

PATENT: Timing mechanisms to enhance the security of online networks; US 10,467,696 B1; 11/5/2019; CPC G06Q 40/04; 119 claims; assigned to Integral Development Corp.

ABSTRACT EXCERPT: Disclosed embodiments provide a computing system configured to match a set of transactions associated with an online trading system.

PATENT: System and method for delaying an executable instruction that would otherwise be executable immediately upon arrival at an executing system; US 10,467,698 B2; 11/5/2019; CPC G06Q 40/06; 21 claims; assigned to Chicago Stock Exchange, Inc.

ABSTRACT EXCERPT: A system and method are provided for intentionally delaying an execution of an executable instruction by determining if a current executable instruction is received from a predefined source for which all executable instructions are to be intentionally delayed. When so, the system sets a sequence time associated with the instruction equal to a receipt time plus a delay time. The system saves the instruction in an intentional delay queue for future execution.

October 29, 2019

Total CPC G06Q Subclass (business methods) patents issued:  152

Financial industry business method patents reviewed herein:   10

PATENT: System and method for implementing a global payment engine; US 10,460,293 B2; 10/29/2019; CPC G06Q 20/027; 20 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: The invention relates generally to a payment engine, and more particularly to a system and method that implements a global payment engine comprising a Stage Router that routes a payment context to stages based on an execution plan.

PATENT: System and method for data management and financial budgeting; US 10,460,376 B1; 10/29/2019; CPC G06Q 40/00; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A data management system includes a storage device configured to store financial data for a plurality of financial transactions, the financial data for the plurality of financial transactions being associated with a plurality of different accounts of a user, each of the plurality of financial transactions being associated with one of a plurality of transaction categories.

PATENT: Financial management system and method with customizable user interface; US 10,460,379 B1; 10/29/2019; CPC G06Q 40/00; 19 claims; assigned to Wells Fargo Bank, N.A.

SUMMARY: The present disclosure relates to systems and methods of financial management, and more specifically, to systems and methods that facilitate account management and financial planning for individuals and other entities (e.g., small businesses, etc.).

PATENT: System for transmission and use of aggregated metrics indicative of future customer circumstances; US 10,460,383 B2; 10/29/2019; CPC G06Q 40/02; 16 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A network communication interface and a memory device storing an anomaly application and a resource application are provided. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine the existence of an anomalous situation for a user; initiate the anomaly application to acquire aggregated metrics from third parties associated with the anomalous situation; and analyze the anomalous situation using the aggregated information.

PATENT: System and method for facilitating a wireless financial transaction; US 10,460,386 B2; 10/29/2019; CPC G06Q 40/04; 12 claims; assigned to CFPH, LLC.

ABSTRACT: A method for executing a wireless trade is provided that includes communicating with a handheld device via a wireless network and sending and receiving financial information to and from the handheld device. The financial information is associated with a trade that can be initiated by the handheld device. The method also includes authorizing the handheld device through location data, which is associated with a location of the handheld device, before executing the trade.

PATENT: Dynamic information configuration and display; US 10,460,387 B2; 10/29/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system, method, and non-transitory computer-readable information recording medium displays information to a user. Market data related to a plurality of tradeable objects is received from an exchange at a trading device. The display of market data related to each tradeable object is separately controlled. If the user is not paying attention to the market data of a particular tradeable object, then the dissemination of the market data for that tradeable object may be temporarily stopped until the user starts paying attention to that tradeable object.

PATENT: System and method for providing latency protection for trading orders; US 10,460,388 B2; 10/29/2019; CPC G06Q 40/04; 20 claims; assigned to BGC Partners, Inc.

ABSTRACT: A system for managing trading orders comprises a memory operable to store an order associated with a first price. The system further comprises a processor communicatively coupled to the memory and operable to identify a latency value. The processor is further operable to receive a counterorder and to identify a potential trade associated with the order and the counterorder, the potential trade based at least in part on the first price. If the latency value satisfies a configurable condition, the processor is further operable to initiate a configurable period of time. If the potential trade is not valid upon expiration of the configurable period, the processor is further operable to prevent the execution of the potential trade.

PATENT: System and method for operating a family of mutual funds or ETFs; US 10,460,389 B1; 10/29/2019; CPC G06Q 40/04; 18 claims; assigned to Charles Schwab & Co., Inc.

ABSTRACT: A system and method operates a family of exchange traded funds or mutual funds with different weighted average maturities.

PATENT: Computing architecture for managed-account transactions; US 10,460,390 B2; 10/29/2019; CPC G06Q 40/06; 17 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: An improved computing architecture for managed-account transactions is presented. In accordance with embodiments, a computing system may receive data indicating various investment allocations prescribed by different investment managers and may generate corresponding investment strategies. Responsive to receiving a request to allocate client funds amongst the strategies, the computing system may instantiate, in an account object associated with the client, a sleeve object for each of the strategies.

PATENT: Social media assessment tool; US 10,460,399 B1; 10/29/2019; CPC G06Q 50/01; 9 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: According to one embodiment, a social media assessment tool includes an identification logic that identifies interactivity criteria of a social media property. The interactivity criteria is associated with access to the social media property. The social media assessment tool also includes an assessment logic that determines that interactivity criteria satisfies a threshold value. In response to the social media property satisfying the threshold, the assessment logic calculates a score for at least one feature of the social media property.

PATENT: Market driven implied trade resolution; US 10,453,123 B2; 10/22/2019; CPC G06Q 40/00; 36 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations.

PATENT: Electronic exchange system using messages related to events and actions on an exchange; US 10,453,130 B2; 10/22/2019; CPC G06Q 40/04; 19 claims; assigned to BGC Partners.

ABSTRACT EXCERPT: An electronic exchange system includes a physical data bus directly communicatively coupling first and second physical processing elements of an electronic processor.

PATENT: Apparatuses, methods and systems for a locked-in trade facilitation engine; US 10,453,131 B2; 10/22/2019; CPC G06Q 40/04; 28 claims; assigned to NYSE Group, Inc.

ABSTRACT EXCERPT: The method provides and facilitates delivery of open futures positions, upon or before expiry, into financial instruments, such as currency-denominated fixed income market positions. The method facilitates cash trade transactions produced upon expiration of currency-denominated interest rate and fixed income futures contracts such as U.S. Treasury futures.

PATENT: Trading orders with decaying reserves; US 10,453,132 B2; 10/22/2019; CPC G06Q 40/04; 19 claims; assigned to BGC Partners.

ABSTRACT EXCERPT: In various embodiments, an apparatus includes a processor and a memory. The memory is communicatively coupled to the processor. The memory stores software instructions that, when executed by the processor, cause the processor to receive a trading order for a particular quantity of a trading product. The trading order specifies that a first portion of the particular quantity is a displayed quantity and that a second portion of the particular quantity is a reserved quantity.

PATENT: Computer system and a computerized method for central counterparty limit management; US 10,453,133 B1; 10/22/2019; CPC G06Q 40/04; 23 claims; assigned to Chicago Mercantile Exchange Inc.

SUMMARY: The present invention relates to a computer system and a computerized method for central counterparty limit management. Embodiments of the computer system and computerized method manage limits, particularly for over-the-counter (OTC) derivatives trades.

PATENT: Trader station user interface; US 10,453,134 B2; 10/22/2019; CPC G06Q 40/04; 10 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A variety of user interfaces, systems and methods are provided for traders of commodities, futures contracts, derivatives, stocks, etc. A user interface may have two display modes, locked and unlocked. In the locked mode, some or all of the data fields (price, bids, offers--optionally bids and offers not exposed to the market) are locked. In the unlocked mode, all the data fields, including the price column, are dynamically updated.

PATENT: Computing architecture for managed-account transactions; US 10,453,135 B2; 10/22/2019; CPC G06Q 40/04; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: An improved computing architecture for managed-account transactions is presented. In accordance with embodiments, responsive to receiving a request to purchase a number of units of an asset for an account of a client, a computing system may instantiate, in a client object associated with the client, objects, comprising variables for storing bases for the units and may instantiate, in an account object stored within the client object and associated with the account, objects representing the units.

PATENT: Apparatus, method and system for designing and trading macroeconomic investment views; US 10,453,139 B2; 10/22/2019; CPC G06Q 40/06; 20 claims; assigned to Goldman Sachs & Co.

ABSTRACT EXCERPT: The disclosure details the implementation of an apparatus, method, and system for a macroeconomic equity investment design and trade system (the Wavefront system). The disclosure teaches a set of quantitative tools to help investors design trades around macro themes. Part of the approach is a linked set of models called Wavefronts, which describe how economic shocks ripple through the economy into company performance, market value and equity returns in the US market.

PATENT: System and method for allocating traditional and non-traditional assets in an investment portfolio; US 10,453,140 B2; 10/22/2019; CPC G06Q 40/06; 27 claims; assigned to New York Life Insurance Company.

ABSTRACT EXCERPT: A computerized method and system for allocating assets among a plurality of financial products for an investor portfolio includes calculating a solution space of financial vehicle combinations by assigning allocations to each financial vehicle in each financial vehicle combination and generating a set of simulations, for each of the vehicle combinations, of a value of the financial vehicle combination.

PATENT: Composite portfolio trading method, creation and analysis system; US 10,453,141 B2; 10/22/2019; CPC G06Q 40/06; 29 claims.

ABSTRACT EXCERPT: A trader is enabled to create, to visualize, to study historical performance, to track, to perform analysis on, to share, to edit and to trade a personal composite instrument (PCI) that includes a first portfolio with a first set or group of assets and their respective quantities, and a second portfolio with a second set of assets and their respective quantities, the first portfolio "traded against" the second portfolio, leading to the creation of a new independent financial entity.

PATENT: Computing device and method for the temporal arrangement of data; US 10,445,824 B2; 10/15/2019; CPC G06Q 40/02; 20 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or "safe zone" is shown along the timeline. The "safe zone" is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the "safe zone" to reschedule the account event in the "safe zone", and the settings of the account are modified to automatically execute the account event at that time.

PATENT: Systems and methods for providing a separate interest rate for an individual transaction; US 10,445,825 B2; 10/15/2019; CPC G06Q 40/02; 19 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosed embodiments include systems and methods that enable a service provider to offer a customer a separate interest rate for an individual transaction and provide the customer with a service that includes maintaining separate balances within one account to apply the separate interest rate.

PATENT: Retail aggregator apparatuses, methods, and systems; US 10,445,827 B1; 10/15/2019; CPC G06Q 40/04; 38 claims; assigned to NYSE Group, Inc.

CLAIM 1 EXCERPT: Receiving at the electronic exchange, in response to the at least one electronic order being classified as the retail order and displayed, an electronic contra-side non-displayed order that increases liquidity at the electronic exchange, wherein the contra-side non-displayed order has an improved price relative to a benchmark, wherein the improved price is available only to retail orders.

PATENT: Method and system for generating stock price alerts based on real-time market data; US 10,445,828 B2; 10/15/2019; CPC G06Q 40/04; 15 claims; assigned to Sagar Dinesh Chheda.

ABSTRACT EXCERPT: The embodiments herein provide a system and methods for generating stock price alerts based on real-time market data. The system comprises a user mobile device with a mobile application, a central server, and an alerting module. The alerting module tracks and monitors stock price of the stocks to provide an alert with respect to the stocks on periodic intervals based on preset conditions and parameters.

PATENT: Diverse options order types in an electronic guaranteed entitlement environment; US 10,445,829 B2; 10/15/2019; CPC G06Q 40/04; 9 claims; assigned to NYSE Group, Inc.

ABSTRACT: An enhanced system and method for handling, matching and executing a diverse group of limit-priced orders in an electronic options environment is disclosed. Most of the order types disclosed are automatically repriced and reposted as the NBBO changes to increase their execution opportunities. Market maker entitlements are integrated with the order processing, so that the market maker is guaranteed an allocation of the trade if the market maker is at the NBBO when an order priced at or better than the NBBO is received. Once posted to the order book, the displayed price of an order may be eligible for preferential execution in a market maker entitlement process, regardless of whether the displayed price is original or has been automatically repriced.

PATENT: Deploying and implementing centralized trading and tracking computing platforms to support tri-party trading; US 10,445,830 B2; 10/15/2019; CPC G06Q 40/04; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Methods, systems, and computer-readable media for deploying and implementing centralized trading and tracking computing platforms to support tri-party trading are presented. In some embodiments, a central trading computing platform may receive, from a retirement group accounts administration computer system associated with a financial institution, trade information defining one or more trades in one or more mutual funds for one or more accounts administrated by the financial institution. Subsequently, the central trading computing platform may validate the trade information and create order information based on the trade information.

PATENT: System, method, and device for autonomous fund management by computer-based algorithms; US 10,445,831 B2; 10/15/2019; CPC G06Q 40/04; 14 claims.

SUMMARY: The present invention is directed to the field of automatic and autonomous computer-controlled management and trading of investment portfolios and funds to increase the financial performance of the funds in comparison with trading indexes.

PATENT: Transactionally deterministic high speed financial exchange having improved efficiency, communication, customization, performance, access, trading opportunities, credit controls, and fault tolerance; US 10,445,832 B2; 10/15/2019; CPC G06Q 40/04; 24 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

PATENT: Methods and systems for maximizing share purchase under an employee stock purchase plan with limited payroll deductions; US 10,445,833 B1; 10/15/2019; CPC G06Q 40/04; 18 claims; assigned to Carver Edison, Inc.

SUMMARY: The present invention relates generally to employee stock purchase plans ("ESPP"), whether qualified or non-qualified, as defined by the IRS. More particularly, the present invention relates to systems and methods for providing a free solution to allow employees to purchase the maximum number of shares under their ESPP with limited capital contributions from payroll deductions.

PATENT: Method and system for adaptive construction of optimal portfolio with leverage constraint and optional guarantees; US 10,445,834 B1; 10/15/2019; CPC G06Q 40/06; 32 claims; assigned to Genesis Financial Development, Inc.

ABSTRACT: The present disclosure relates to investment portfolio construction, and more specifically to efficient adaptive construction of a leverage-constrained approximately optimal investment portfolio as additional financial data become available over time.

PATENT: Collaborative decision engine for quality function deployment; US 10,438,143 B2; 10/8/2019; CPC G06Q 10/06; 15 claims; assigned to Bank of America Corporation.

ABSTRACT: Disclosed is systems, methods, and computer program products that provide for a technique for reducing computing resources, storage space needs, and network bandwidth associated with collaborative decision making. More particularly, this disclosure relates to a system for performing automatic predictive decision making using predictive fit models derived from previous user responses and the user characteristics of each responding user, and using the results to reduce the amount of computing and operational resources needed to operate a collaborative decision engine.

PATENT: Systems and methods for managing electronic funds for a program and incentivizing participation in the program; US 10,438,178 B2; 10/8/2019; CPC G06Q 20/10; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Embodiments of the disclosure enable electronic funds to be managed for a program that includes a plurality of parties including a participant and a sponsor. One or more metrics corresponding to a participation of the participant in the program are received. If the received metrics satisfy one or more predetermined thresholds, a quantity of the electronic funds is determined for distribution to the plurality of parties.

PATENT: Authorizing a payment transaction using seasoned data; US 10,438,181 B2; 10/8/2019; CPC G06Q 20/12; 12 claims; assigned to VISA International Service Association.

ABSTRACT EXCERPT: A system, apparatus, and method for expediting the authorization of an electronic payment transaction. Authorization of a transaction at a node of an authorization network is the result of inferring the trustworthiness of a customer to the transaction using data obtained from a different node of the authorization network. The authorization process is expedited by relying on the previous authentication decision of another node, where the previous decision may have been made based on a different payment device or different user inputs.

PATENT: Derived unique token per transaction; US 10,438,198 B1; 10/8/2019; CPC G06Q 20/385; 17 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Examples described herein relate to systems, apparatuses, and methods for using tokens between two entities comprising a client device and a server, including receiving, by the server, a token from the client device, wherein the token is unique to a transaction, deriving, by the server, a server-derived token from the original data based on a transaction count, wherein the transaction count corresponds to a number of times that the original data is involved in transactions, comparing, by the server, the received token with the server-derived token, and responsive to determining that the received token and the server-derived token are same, sending, by the server, a verification message.

PATENT: Accessing a financial service using a media device; US 10,438,284 B1; 10/8/2019; CPC G06Q 40/02; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Some examples, described herein, may include detecting a button press of a banking button on a remote control device associated with a media device. The banking button may be designated to access a financial institution. Some examples may include accessing a financial services platform based on detecting the button press. The financial services platform may be associated with the financial institution. Some examples may include providing account information, associated with a financial account of the financial institution, to the financial services platform.

PATENT: System and method for displaying order status and receiving and changing orders; US 10,438,285 B1; 10/8/2019; CPC G06Q 40/04; 18 claims; assigned to Charles Schwab & Co.

ABSTRACT: A system and method displays potential security orders in a first area of a display, and when a user to drag a potential order into a second area of the display, the system and method places an order for the security and displays an icon representing the order placed in a position that corresponds to an amount of time the order will expire, a current market price of the security and a price of the order.

PATENT: System and methods for electronic trading that permit principal/broker trading; US 10,438,286 B2; 10/8/2019; CPC G06Q 40/04; 14 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: Electronic trading systems and methods which facilitate principal/broker trading are provided. In a first aspect of the invention, a database relating to trading participants in the trading system is designed to indicate which traders utilize a principal/broker relationship and what, if any, limitations are placed on the activity of the broker, trading commands submitted by the broker, and counterparties in a transaction with the broker.

PATENT: Systems and methods for transforming trading portfolios; US 10,438,287 B2; 10/8/2019; CPC G06Q 40/04; 17 claims; assigned to Intercontinental Exchange Holdings, Inc.

ABSTRACT: Systems and methods for electronic transformation of a portfolio via an electronic exchange server are provided. The electronic exchange server transforms an initial portfolio (e.g., a non-hedged trading portfolio) into a transformed portfolio (e.g., a hedged trading portfolio) by receiving buy or sell orders of an initial portfolio to be transformed, determining an imbalance in the received buy or sell orders, and receiving offsetting buy or sell orders to offset the imbalance.

PATENT: System for analyzing historical events to determine potential catalysts and automatically generating and implementing mitigation; US 10,438,296 B2; 10/8/2019; CPC G06Q 40/02; 18 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments analyze historical events to determine potential catalysts and automatically generate and implement mitigation of issues by determining a potential issue with a customer's finances based on historical event data; correlating the potential issue with one or more causes of the potential issue; and, in response to the correlation, initiating mitigation of the issue.

PATENT: Systems and methods to combine transaction terminal location data and social networking check-in; US 10,438,299 B2; 10/8/2019; CPC G06Q 50/01; 10 claims; assigned to VISA International Service Association.

ABSTRACT EXCERPT: A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user.

PATENT: Computerized system for simulating the likelihood of technology change incidents; US 10,430,743 B2; 10/1/2019; CPC G06Q 10/0637; 18 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the present invention relate to apparatuses, systems, methods and computer program products for a technology configuration system. Specifically, the system typically provides operational data processing of a plurality of records associated with information technology operational activities, for dynamic transformation of data and evaluation of interdependencies of technology resources.

PATENT: Methods and systems for predicting consumer behavior from transaction card purchases; US 10,430,803 B2; 10/1/2019; CPC G06Q 30/02; 22 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event.

PATENT: Image analysis and identification using machine learning with output estimation; US 10,430,876 B1; 10/1/2019; CPC G06Q 40/025; 18 claims; assigned to Capital One Services, LLC.

SUMMARY: The present disclosure relates generally to the field of image analysis using machine learning algorithms. More specifically, and without limitation, this disclosure relates to systems and methods for using machine learning algorithms to identify vehicles from images and generate real-time quotes.

PATENT: Anonymous trading system; US 10,430,877 B2; 10/1/2019; CPC G06Q 40/04; 6 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: An anonymous computerized trading system matches orders by conducting auctions at specified times. As well as entering orders, participants assign credit limits for the duration of the auction, thus minimizing the time for which credit is allocated to the system.

PATENT: Matched order fulfillment with linear optimization; US 10,430,878 B2; 10/1/2019; CPC G06Q 40/04; 15 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A method for matching compound orders from a group of market participants.

PATENT: Systems and methods for trades priced relative to a reference benchmark value associated with an underlying index future; US 10,430,879 B2; 10/1/2019; CPC G06Q 40/04; 27 claims; assigned to NYSE MKT LLC.

ABSTRACT: According to some embodiments, an indication of a trade priced relative to a reference benchmark value (e.g., a trade at index close transaction) associated with an underlying index future may be received when a basis of the trade is agreed to by parties of the trade. Moreover, the indication may be received at least one day prior to a determination of a final price and quantity of the trade. The trade might create, according to some embodiments, any derivative, such as a future, an option, or a combination of put and call options. The trade may be reported and cleared, and it may then be arranged for the trade to physically settle into the underlying index future.

PATENT: Margin requirement determination and modeling for cleared credit; US 10,430,880 B2; 10/1/2019; CPC G06Q 40/04; 17 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Systems and methods are provided for calculating margin requirements and stress testing exposures of cleared credit portfolios. These margin requirements are calculated using the following components: spread risk, idiosyncratic risk, interest rate, and liquidity risk. The calculation of these risk components is accomplished with a detailed statistical analysis of the risk factors underlying instruments, such as a credit default swap instrument.

PATENT: Systems and methods for iterative optimization of related objects; US 10,430,881 B2; 10/1/2019; CPC G06Q 40/04; 32 claims; assigned to Chicago Mercantile Exchange Inc.

SUMMARY: The disclosed embodiments relate generally to selecting optimum values for inter-related objects, e.g., objects influencing and/or dependent upon other system objects, when a computer process computes multiple potential values for each object. Specifically, the disclosed embodiments optimize overall system performance by determining and selecting object values that conform to pre-defined rules and/or relationships between different objects, including identifying and discarding object values that deviate from or otherwise result in a violation of the pre-defined rules and relationships.

PATENT: Distributed data processing; US 10,430,882 B2; 10/1/2019; CPC G06Q 40/04; 60 claims; assigned to Nasdaq, Inc.

ABSTRACT EXCERPT: A computer system includes a front end interface configured for data communications over a network with data producer terminals, multiple distributed data processors coupled to the front end interface by a data messaging infrastructure, the multiple distributed data processors including a first distributed data processor and a second distributed data processor, and an information bus coupled to the multiple distributed data processors and to multiple independent consumer modules.

PATENT: Apparatus and method for trade aggregation of trade allocations and settlements; US 10,430,884 B2; 10/1/2019; CPC G06Q 40/04; 3 claims; assigned to Virtu ITG Software Solutions LLC.

ABSTRACT EXCERPT: A post-trade aggregation system for financial instrument trading systems, wherein a trader manages a plurality of trade orders to be executed by one or more executing brokers on behalf of customers via a data interface system. The plurality of trade orders includes at least one wrap block order and at least one institutional block order. The plurality of trade orders are merged into a single merged block order, apportioned into a plurality of smaller electronic trade orders, and transmitted to a plurality of order destinations.

PATENT: Voice recognition to authenticate a mobile payment; US 10,423,959 B2; 9/24/2019; CPC G06Q 20/40145; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.

PATENT: Pre-authorization of a transaction using predictive modeling; US 10,423,962 B2; 9/24/2019; CPC G06Q 20/4016; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction.

PATENT: Systems and methods for shared lending risk; US 10,424,011 B2; 9/24/2019; CPC G06Q 40/00; 13 claims; assigned to Gain Credit Holdings, Inc.

ABSTRACT: The shared lending risk system and method provide a lead scoring engine that generates a score representing an assessment of the credit risk of the transaction that is based on an assessment of the merchant, purchaser and product. The score is provided to a pool of lenders and a credit product is selected from the pool based on the score.

PATENT: Computing device and method for the temporal arrangement of data; US 10,424,012 B2; 9/24/2019; CPC G06Q 40/02; 20 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

PATENT: Systems and methods for providing seller-initiated financing in private sales; US 10,424,014 B2; 9/24/2019; CPC G06Q 40/025; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer.

PATENT: Managing trading orders based on priority; US 10,424,015 B2; 9/24/2019; CPC G06Q 40/04; 16 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: A system for managing trading orders comprises a memory operable to store a first trading order for a particular trading product, wherein the first trading order comprises a display portion and a reserve portion and is received from a first trader. The memory is further operable to store a second trading order for the particular trading product, wherein the second trading order comprises a display portion and a reserve portion and the second trading order is received from a second trader after the first trading order.

PATENT: Modeling asset transfer flow relationships discovered in unstructured data; US 10,424,016 B2; 9/24/2019; CPC G06Q 40/04; 16 claims; assigned to IBM.

ABSTRACT: Mechanisms are provided for performing an analysis of content based on a flow of property between entities. The mechanisms analyze a corpus of unstructured documents to identify one or more asset transfer flow relationships between entities. The mechanisms generate an asset transfer flow model defining a flow of an asset between entities based on the one or more asset transfer flow relationships between entities. The mechanisms input the asset transfer flow model into an analysis engine for use in analyzing content. The mechanisms analyze the content using the asset transfer flow model to generate results of the analysis and output the results of the analysis based on the asset transfer flow model.

PATENT: Dynamically activating and deactivating one or more elements of a trading tool; US 10,424,017 B2; 9/24/2019; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Various embodiments relate to intelligently activating and deactivating a trading tool element of a trading tool to improve a user's confidence in the trading tool. By dynamically activating and deactivating elements on the trading screen, the trading tool effectively increases a user's confidence in placing a trading order, canceling a trade order, or both, for example, by eliminating or reducing undesirable options.

PATENT: System and method for active order management in an electronic trading environment; US 10,424,018 B2; 9/24/2019; CPC G06Q 40/04; 8 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A trade order may be submitted to an electronic exchange and updated, according to pay-up parameter values, in an attempt to receive a complete fill within a period of time. The trade order may comprise an order price and an order quantity when submitted to the electronic exchange. The pay-up parameters may include a pay-up interval, a pay-up amount, a pay-up counter, or a combination thereof. The price of the trade order may continue to be updated after the expiration of pay-up interval in an attempt to receive a complete fill of the trade order.

PATENT: System and method for modeling and verifying financial trading platforms; US 10,424,019 B2; 9/24/2019; CPC G06Q 40/04; 20 claims; assigned to Aesthetic Integration Limited.

ABSTRACT: A computer-implemented method assesses operation of a financial computing system (FCS). An assessment computer system generates code for a model of the FCS that comprises a model specification for the FCS and a model environment for the FCS. The code for the model uses a type-system based logical programming language that supports typed recursive functions. The assessment computer system generates mathematical axioms that describe the operation of the FCS by compiling the code for the model and assesses the operation of the financial computer system by analyzing the mathematical axioms.

PATENT: Real-time data processing; US 10,417,616 B2; 9/17/2019; CPC G06Q 20/042; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to perform a variety of tasks.

PATENT: Payment vehicle with on and off function; US 10,417,633 B1; 9/17/2019; CPC G06Q 20/382; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

PATENT: Payment vehicle with encrypted image; US 10,417,636 B2; 9/17/2019; CPC G06Q 20/4014; 15 claims; assigned to Mastercard International Incorporated.

ABSTRACT: Described is a payment vehicle for use in initiating a transaction. The payment vehicle includes a body and an image applied to the body. The image includes encrypted data that is readable by an electronic reader to ascertain account details of a payment vehicle user, thereby to initiate the transaction. The image is also visually comparable to the user, or to information produced by the user, to confirm the user's identity.

PATENT: Method and system for real time fraud decisioning in transaction processing; US 10,417,638 B2; 9/17/2019; CPC G06Q 20/4016; 20 claims; assigned to Mastercard International Incorporated.

SUMMARY: The present disclosure provides a description of systems and methods for real time fraud decisioning in transaction processing and systems and methods for geographic location-based fraudulent activity verification.

PATENT: Method and system for implementing self-imposed spending limit; US 10,417,703 B2; 9/17/2019; CPC G06Q 40/00; 20 claims; assigned to Mastercard International Incorporated.

SUMMARY: The present disclosure relates to the implementation of self-imposed spending limits and the calculation of assisted categorized budgeting for a transaction account using historical purchase data and data from other, similarly situated consumers.

PATENT: Information display and decision making; US 10,417,705 B1; 9/17/2019; CPC G06Q 40/025; 6 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: An information display system includes a computing system that is configured to implement a user interface, access a first database storing a plurality of loan workout rules, receive loan and borrower data regarding an existing loan, and determine a plurality of loan workout options based on the plurality of loan workout rules and the received loan and borrower data. The plurality of loan workout options are displayed on the user interface.

PATENT: Futures exchange support of spot trading; US 10,417,707 B2; 9/17/2019; CPC G06Q 40/04; 12 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A computer system associated with spot market trading in a particular subject matter may communicate with a computer system associated with trading in futures contracts or options in futures contracts for the subject matter. The communications may include pricing data for at least one of futures contracts or options in futures contracts for the subject matter, which pricing data may be used for spot market pricing. The communications may also include communications regarding futures hedging of spot trading in the subject matter.

PATENT: Hybrid trading system for concurrently trading securities or derivatives through both electronic and open-outcry trading mechanisms; US 10,417,708 B2; 9/17/2019; CPC G06Q 40/04; 6 claims; assigned to Cboe Exchange, Inc.

ABSTRACT: A system and method of allocating orders in an exchange configured for trading by a combination of electronic and open-outcry trading mechanisms is provided. One method includes permitting multiple quotes to be disseminated to the market, but limiting market making to only those entities having a physical presence on the floor of the exchange. Methods of enhancing the hybrid electronic and open-outcry exchange also include automatically eliminating crossed quotes and locked quotes while permitting certain orders to trade against locked quotes.

PATENT: Mitigation of latency disparity in a transaction processing system; US 10,417,709 B2; 9/17/2019; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: Systems and methods are disclosed which match or otherwise allocate an incoming transaction with previously received but not yet fully satisfied transactions counter thereto as well as to mitigation of disparities in latencies between the client devices of the market participants and the electronic data transaction processing system which may result in disparities in the time of receipt of competing transactions.

PATENT: Apparatus, methods, system and framework for discovering, copying and curating investment portfolios; US 10,417,710 B2; 9/17/2019; CPC G06Q 40/06; 17 claims; assigned to The Trustees of the Stevens Institute of Technology.

ABSTRACT EXCERPT: The present disclosure relates to a system, apparatus and method through which novice or new investors can begin to invest by using the knowledge shared by seasoned investors, who are incentivized to do so by commissions based on their success. The system follows users through each point in a social investment process, and directs users in novel ways to execute a purchase faster. A user discovers other user portfolios through recommendations made using multi-stage collaborative portfolio filtering.

PATENT: Preventing restricted trades using physical documents; US 10,410,168 B2; 9/10/2019; CPC 10/0832; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A system for preventing restricted transactions using physical trade documents includes a document intake machine comprising a document scanner and a data extractor. The document intake machine receives a physical trade document associated with a transaction of goods from an entity. The document scanner scans the physical trade document to create an electronic file. The data extractor identifies trade terms from the electronic file. A trade-executing machine receives the trade terms and compares them to a database of restricted trade terms.

PATENT: Transaction storing and forwarding; US 10,410,186 B2; 9/10/2019; CPC 20/10; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof.

PATENT: Network of computing nodes and a method of operating the computing nodes to effectuate real-time bank account-to-bank account money transfer; US 10,410,190 B1; 9/10/2019; CPC 20/108; 18 claims; assigned to Morgan Stanley Services Group Inc.

ABSTRACT: A network of computing nodes and a method of operating the computing nodes effectuate, in real-time, an international, money transfer from the bank account of a first person (the payer) in a first country to the bank account of a second person (the beneficiary) in a second, different, country.

PATENT: Systems and methods for identifying and capturing potential bankcard spending; US 10,410,281 B1; 9/10/2019; CPC 40/02; 15 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: The invention provides a method and system for a financial institution for capturing the business of a financial services customer. The system may include a data access system for obtaining and storing data; and an analysis system for processing the data.

PATENT: Systems and methods for a refinancing savings widget; US 10,410,282 B2; 9/10/2019; CPC 40/025; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.

PATENT: System and method for managing transactions of financial instruments; US 10,410,283 B2; 9/10/2019; CPC 40/04; 27 claims; assigned to CFPH, LLC.

ABSTRACT EXCERPT: A system and method for managing transactions of financial instruments that comprises generating a graphical representation having a plurality of multi-dimensional objects positioned along an axis. Each position along the axis represents a price of a financial instrument. The system receives an indication that at least one multi-dimensional object has been selected. The system generates, in response to the at least one multi-dimensional object being selected, a dialog box in the graphical representation. The system receives information relating to a transaction of the financial instrument.

PATENT: Trading money market instrument; US 10,410,284 B1; 9/10/2019; CPC 40/04; 16 claims; assigned to Global Liquid Markets, LLC.

ABSTRACT EXCERPT: Improved techniques for trading money market instruments are disclosed. In some embodiments, a first view comprising consolidated real time data corresponding to a plurality of money market instruments is provided. In response to receiving a selection of a prescribed money market instrument via the first view, a second view comprising bids currently available for the selected money market instrument is provided.

PATENT: Trailblazer methods, apparatuses and media; US 10,410,285 B2; 9/10/2019; CPC 40/04; 23 claims; assigned to Thomson Reuters Global Resources Unlimited Company.

ABSTRACT EXCERPT: At a first time, an indication of a selection of a contract, expiring at a second time and associated with a commodity, is received. A set of physical stacks associated with the contract is accessed. Based upon the first time, the second time, and a periodic sampling rate, a marginal cost profile for the commodity is generated. The marginal cost profile is a set of values relating to an estimate of a marginal cost of production for the commodity at a set of times between the first time and the second time.

PATENT: Inter-product matrix; US 10,410,286 B2; 9/10/2019; CPC 40/04; 8 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Lists of tradeable objects may be generated and displayed to enable a user to define a trading strategy having multiple legs. The lists of tradeable objects may be used to define and display different combinations of the tradeable objects that are included in each of the lists. Each combination of tradeable objects may define the different legs of a spread that may be tradeable on one or more exchanges. A combination of tradeable objects may be selected to display contract information associated with the different legs of the spread.

PATENT: Prediction market and combinatorial prediction market volume forecasts; US 10,410,287 B2; 9/10/2019; CPC 40/06; 14 claims; assigned to Consensus Point, Inc.

ABSTRACT: Systems and methods for volumetric forecasting based on prediction market probability estimates. Alternative simulated starting values for prediction markets are used in order to determine the preferred starting values for prediction markets to use in volumetric forecasting. A user interface that facilitates using prediction market probability estimates to determine volumetric forecasts is described herein.

PATENT: Systems and method for tracking enterprise events using hybrid public-private blockchain ledgers; US 10,402,792 B2; 9/3/2019; CPC G06Q 20/0655; 23 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track occurrences of events across fragmented and geographically dispersed lines-of-business of an enterprise.

PATENT: Application life-cycle transition record recreation system; US 10,402,796 B2; 9/3/2019; CPC G06Q 20/10; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to a system, method, or computer program product for utilizing a block chain distributed network for generation of blocks with searchable metadata code embedded therein for recreating a historic record of how a transaction is processed from a client origination to external clearing. The invention provides a process by which a distributed ledger technology is utilized to store complete payment structures and their events across application life-cycles to recreate a historic record of event processing. The record allows for complex tracking and tracing across complex event processing where data points are received, spliced, and processed across multiple applications in a high quantity high velocity environment.

PATENT: Cloud-based transactions methods and systems; US 10,402,814 B2; 9/3/2019; CPC G06Q 20/327; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Systems and methods provide for communication of transaction data that is formatted according to a transaction type that is support by an access device. First transaction data may be formatted according to a first type of transaction supported by a first access device and second transaction data may be formatted according to a second type of transaction supported by a second access device. The first transaction data may be transmitted over a first wireless communication link to the first access device and the second transaction data may be transmitted to the second access over a second wireless communication link.

PATENT: Systems and methods for interactive financial categorization and budgeting; US 10,402,896 B1; 9/3/2019; CPC G06Q 40/00; 21 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A computer-implemented method of managing personal financial accounts includes retrieving account information associated with a financial account of a user. The account information includes a plurality of transactions and no more than three budget categories. The method also includes providing a user interface to display graphical representations of at least a portion of the plurality of transactions and at least a portion of the budget categories.

PATENT: Method and system for redirecting a financial transaction; US 10,402,897 B1; 9/3/2019; CPC G06Q 40/02; 26 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system and method for redirecting a financial transaction from one account held by a customer at a first issuer to a second account held by the customer at a second issuer comprising receiving a customer request for redirection, identifying the second account to which transactions should be redirected, providing redirection information to a transaction entity, receiving terms for a financial transaction, and performing the financial transaction with respect to the second account.

PATENT: Systems and methods for providing a separate interest rate for an individual transaction; US 10,402,900 B2; 9/3/2019; CPC G06Q 40/02; 19 claims; assigned to Capital One Services, LLC.

SUMMARY: The disclosed embodiments include systems and methods that enable a service provider to offer a customer a separate interest rate for an individual transaction and provide the customer with a service that includes maintaining separate balances within one account to apply the separate interest rate.

PATENT: Financial exchange system and method for processing retail price improvement orders; US 10,402,902 B1; 9/3/2019; CPC G06Q 40/04; 40 claims; assigned to Cboe Eschange, Inc.

ABSTRACT: An exchange order fulfillment method includes receiving, by at least one processor, a plurality of orders for trading an underlying security, at least one of the orders comprising a retail price improvement (RPI) order having an interest value that is more aggressive than one of a protected NBB and a protected NBO of the underlying security. The method further includes fulfilling, by the at least one processor, the orders based upon an aggressiveness of a respective interest value for each of the plurality of orders relative to the one of the protected NBB and the protected NBO of the underlying security.

PATENT: Trading based on fill rate; US 10,402,903 B2; 9/3/2019; CPC G06Q 40/04; 18 claims; assigned to CFPH, LLC.

ABSTRACT EXCERPT: According to various embodiments, trades may be filled based at in part on order price and fill rates determined for providers of orders. In some embodiments, orders at a given price in an order book may be ordered in order of decreasing fill rate, such that orders associated with a higher fill rate (or higher probability of fill) are preferenced above orders associated with a lower fill rate. In some embodiments, order books may also be ordered based in part on response times from order providers.

PATENT: Generating market information based on causally linked events; US 10,402,904 B2; 9/3/2019; CPC G06Q 40/04; 9 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Certain embodiments provide systems, apparatus, and methods to analyze incoming data messages and create market information constructs.

PATENT: System for trading commodities and the like; US 10,402,905 B2; 9/3/2019; CPC G06Q 40/04; 22 claims; assigned to Tradecapture OTC Corp.

ABSTRACT EXCERPT: The system for trading commodities and the like in accordance with the principles of the present invention provides trading in an Internet-driven environment that enables various exchanges to create and share commodities within a unified database. The present invention provides a system for trading commodities and the like.

PATENT: Method and system for determining total cost of ownership; US 10,395,190 B2; 8/27/2019; CPC G06Q 10/063; 27 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to a total cost of ownership method and system for technology components, applications or business units. The system provides financial reporting costs in information technology terms in order to build a bridge between technology and finance organizations. The method and system utilize data from systems of record for assets and charges, extract this data and deliver output reports and visualizations on the data processing and analysis in order to drive a Total Cost of Ownership for technology components, applications or business units.

PATENT: Method and system for ATM cash servicing and optimization; US 10,395,199 B1; 8/27/2019; CPC G06Q 10/06315; 16 claims; assigned to JPMorgan Chase Bank, N.A.

FIELD: The present invention relates generally to ATM optimization, and more specifically to a method and system for ATM servicing and optimization based on forecasting and model simulation.

PATENT: Matching techniques for data transaction requests with private attributes; US 10,395,302 B2; 8/27/2019; CPC G06Q 30/0633; 20 claims; assigned to Nasdaq, Inc.

ABSTRACT: A computer system is provided that includes a paired list of data transaction requests on which a matching process is performed. There are multiple different types of data transaction requests that are stored in the paired list including data transaction requests with midpoint attributes and data transaction requests with discretion attributes. The computer system may determine how the multiple different types of data transaction requests may be match against each other. Two matching processes can be used to determine if a match exists between the first and second sides of the paired list. Matches that are determined at private values are not disseminated to third-parties via public market data feeds.

PATENT: Systems and methods for dynamic display of synthetic reference structure; US 10,395,308 B1; 8/27/2019; CPC G06Q 40/00; 21 claims; assigned to Federal Home Loan Mortgage Corporation.

FIELD: The invention relates to systems and methods for determining if financial obligations are triggered for third parties when borrowers do not meet their obligations to secured lenders. Using a synthetic reference structure, it is possible to determine whether a failure of a borrower to meet a payment obligation also triggers an obligation for the third party to pay the secured lender.

PATENT: System and method for apportioning trading orders based on size of displayed quantities; US 10,395,310 B2; 8/27/2019; CPC G06Q 40/00; 17 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: An apparatus for processing trading orders comprises a memory and a processor. The memory stores a first order and a second order. The first order is associated with a product and comprises a displayed quantity and a reserved quantity. The second order is associated with the product and comprises a displayed quantity and a reserved quantity. The processor is coupled to the memory and receives a counterorder associated with the product. The processor fills the displayed quantity of the first order with a corresponding portion of the counterorder, and fills the displayed quantity of the second order with a corresponding portion of the counterorder.

PATENT: Market data recovery; US 10,395,311 B2; 8/27/2019; CPC G06Q 40/00; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Networks, systems and methods for recovering data messages from a market data stream and for building a book for a financial instrument are disclosed. An out-of-band data stream related to an as-of state of the market for one or more financial instruments is distributed parallel to a stream of market data for the financial instrument. The as-of data stream is referenced to the financial according to a unique identifier of the messages of the market data stream. The as-of data for a financial instrument may be provided at periodic rate that may be varied according to one or more factors.

PATENT: Image analysis and identification using machine learning with output personalization; US 10,395,313 B1; 8/27/2019; CPC G06Q 40/025; 14 claims; assigned to Capital One Services, LLC.

FIELD: The present disclosure relates generally to the field of image analysis using machine learning algorithms. More specifically, and without limitation, this disclosure relates to systems and methods for using machine learning algorithms to identify vehicles from images and generate personalized outputs.

PATENT: Opening price process for trading system; US 10,395,314 B2; 8/27/2019; CPC G06Q 40/04; 11 claims; assigned to Primex Holdings LLC.

ABSTRACT: A system for determining an opening price for products traded over a distributed, networked computer system is described. The system includes a plurality of workstations for entering orders for financial products into the distributed, networked computer system, said orders specifying a quantity of the financial product. A plurality of workstations for entering orders and a server computer coupled to the workstations, said server computer executing a server process that determines an opening price for the product. The opening price process posting an allocation message to market maker participants to communicate an expected allocation of the imbalance for execution at an initial opening of the market in the event that the imbalance exists at the opening.

PATENT: System and method for processing and displaying quantity information during user-configurable time periods; US 10,395,315 B2; 8/27/2019; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method for displaying quantity related information determined for a plurality of time periods are described. According to one method, a trader may define one or more time periods for which a trading application may determine traded quantities, traded buys, traded sells, or other quantity related information at a plurality of price levels during the defined time periods. The trading application may then graphically display the quantities for each time period in relation to the static axis of prices.

PATENT: Determination of implied orders in a trade matching system; US 10,395,316 B2; 8/27/2019; CPC G06Q 40/04; 18 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A computer implemented method for determining implied orders in an electronic trading system is provided. The method comprises receiving a first set of one or more real orders, wherein the orders are not tradable against each other. One or more implied orders are identified within the first set of real orders. Market data corresponding to the implied orders can also be identified. At least one additional order is received and the tradability of the additional order is determined against the real or implied orders within the first set of real orders.

PATENT: Online payment method, system, and apparatus; US 10,387,856 B2; 8/20/2019; CPC G06Q 20/12; 21 claims; assigned to Huawei Technologies Co., Ltd.

ABSTRACT EXCERPT: Embodiments of the present invention provide an online payment method, system, and an apparatus, which are applied to the field of information security, and can improve security of user information during online payment, and ensure capital security of a user.

PATENT: Integrated electronic cash flow management system and method; US 10,387,858 B2; 8/20/2019; CPC G06Q 20/14; 31 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: A cash flow management system is provided within a host system for facilitating cash flow management for businesses. The cash flow management system includes an electronic billing and invoicing computing system enabling generation and transmission of electronic bills based on business invoices and for displaying the generated bills for payment and an integrated receivables and reconciliation system receiving notification of received payments and for matching received payments with the generated invoices.

PATENT: System and method for conducting web-based financial transactions in capital markets; US 10,387,952 B1; 8/20/2019; CPC G06Q 40/04; 23 claims; assigned to Integral Development Corporation.

ABSTRACT EXCERPT: The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to interactively engage in capital market transactions, including the trading of Over-the-Counter financial products, via the Internet (including the World Wide Web). The system includes a variety of servers, applications, and interfaces that enable users to interactively communicate and trade financial instruments among one another, and to manage their portfolios.

PATENT: Electronic trading using market data channels; US 10,387,953 B2; 8/20/2019; CPC G06Q 40/04; 23 claims; assigned to Geneva Trading, LLC.

ABSTRACT EXCERPT: Systems and methods related to financial trading are provided. More specifically, some embodiments relate to systems and methods for electronic trading using market data channels which users can subscribe. Various embodiments of the present technology can provide a suite of devices that are designed to actively modify market data at the intake point (co-location facility) in order to optimally disseminate only relevant information to various applications.

PATENT: Financial products trading system and financial products trading control method; US 10,387,954 B2; 8/20/2019; CPC G06Q 40/04; 10 claims; assigned to Hitachi, LDT., and Tokyo Stock Exchange, Inc.

CLAIM 1 PREAMBLE: A financial products trading system.

PATENT: Electronic completion of cash versus futures basis trades; US 10,387,955 B2; 8/20/2019; CPC G06Q 40/04; 9 claims; assigned to BGC Partners, Inc.

ABSTRACT EXCERPT: The electronic trading system may relate to the substantially simultaneous trading of cash instruments and their related futures contracts for interest-rate related instruments. The electronic trading system may also be used to allow a user (such as a market maker or other suitable participant) to gauge his chance of success at completing both sides of a basis trade within a preferably pre-determined or pre-set interval, while knowing in advance the specific weighting algorithm that will be applied to the basis trade.

PATENT: Controlling price cascade movements in an electronic trading system; US 10,387,956 B2; 8/20/2019; CPC G06Q 40/04; 24 claims; assigned to LIFFE Administration and Management.

ABSTRACT: A disclosed system, method and computer readable storage medium includes mechanism for controlling cascade price movements in an electronic trading system. Price limits control the prices at which traders can place orders. An upper price limit prevents traders from placing orders above the upper limit and a lower price limit prevents traders from placing orders below the lower limit. The gap between the upper limit and the indicative marked price as well as the gap between lower limit and the indicative market price is controlled so as to cause a breaking effect on very rapidly changing market price.

PATENT: Structured futures products; US 10,387,957 B2; 8/20/2019; CPC G06Q 40/06; 18 claims; assigned to NYSE Group, Inc.

ABSTRACT: Systems and methods for creating and trading structured futures and various vehicles to allow nearly equivalent financial instruments to be created and traded on exchanges are described, including computer systems and computer implemented methods that allow the creation and trading of structured futures and related financial instruments. Computer systems and methods may be used to calculate the value of structured futures and related financial instruments before maturity and their payoff value at maturity.

PATENT: Self-directed style box portfolio allocation selection apparatuses, methods and systems; US 10,387,958 B2; 8/20/2019; CPC G06Q 40/06; 54 claims; assigned to FMR LLC.

ABSTRACT EXCERPT: The Self-Directed Style Box Portfolio Allocation Selection Apparatuses, Methods and Systems ("PAS") transforms portfolio allocation selection inputs via PAS components into trade orders and portfolio allocation confirmation outputs. The PAS determines a style box grid corresponding to current fund allocations of a fund portfolio of a client, and a fund listing corresponding to the style box grid. The PAS provides the style box grid and the fund listing to a display of a computing device of the client.

PATENT: Portfolio-based domain name recommendations; US 10,387,959 B2; 8/20/2019; CPC G06Q 40/06; 12 claims; assigned to Go Daddy Operating Company, LLC.

ABSTRACT: Methods for generating (also known as spinning) and displaying suggested domain names to a domain name registrant by a domain name registrar are presented. The methods generate and display suggested domain names based on one or more methods. The one or more methods include determining how frequently the generated domain names are displayed to the domain name registrant (the fewer the times the better), the value of the generated domain names and/or how well the generated domain names compliment a portfolio of domain names or products and services already registered to the domain name registrant.

PATENT: Enforcing multi-use constraints on a blockchain; US 10,380,560 B2; 8/13/2019; CPC G06Q 20/065; 17 claims; assigned to IBM.

ABSTRACT: A blockchain configuration may be used to store a distributed ledger for information security and accessibility. One example method of operation may include one or more of logging an asset in a blockchain, identifying a sub-asset linked to the asset, creating a use constraint for the sub-asset, logging the use constraint associated with the sub-asset, and during an access attempt of the sub-asset, prohibiting access to the sub-asset based on the use constraint.

PATENT: Processing transactions using convertible optimized attribute packages; US 10,380,584 B2; 8/13/2019; CPC G06Q 20/3825; 16 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information.

PATENT: Virtual payment processing system; US 10,380,589 B2; 8/13/2019; CPC G06Q 20/4014; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A system, apparatus, and method for resolving a data transaction is provided in which data transactions are resolved by a hardware matching processor that identifies data transaction requests received from client devices over a data communication network, matches incoming transaction requests with previously received transaction requests, and, based thereon, transmits electronic data transaction results messages to the client device.

PATENT: System and method for analyzing cryptocurrency-related information using artificial intelligence; US 10,380,613 B1; 8/13/2019; CPC G06Q 30/0202; 8 claims; assigned to Capital One Services, LLC.

ABSTRACT: Embodiments disclosed herein provide for analyzing cryptocurrency-related information using artificial intelligence. The system and methods provide for: a credibility analysis engine configured to determine the credibility of the cryptocurrency-related information; an artificial intelligence engine configured to predict a cryptocurrency market trend based on the credibility of the cryptocurrency-related information; and a processor is configured to generate and execute a personalized trading decision based on the predicted cryptocurrency market trend.

PATENT: Method and apparatus for publishing market information; US 10,380,686 B2; 8/13/2019; CPC G06Q 40/04; 24 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: A method and apparatus for publishing market data for a financial instrument utilizes existing network layer acknowledgement feature to publish market data for the financial instrument to a client device at rates in which the client device is able to process the data. The publishing rate is dynamic, as opposed to being fixed, and is able to adjust "on-the-fly" so as to prevent message queue stagnation.

PATENT: Trade surveillance and monitoring systems and/or methods; US 10,380,687 B2; 8/13/2019; CPC G06Q 40/04; 24 claims; assigned to Software AG.

ABSTRACT: Certain example embodiments relate to trade surveillance and monitoring systems and/or methods that take into account both subjective physical trader emotional attributes, and objective activity measures (e.g., trading activity, financial market activity, etc.). Detect scenarios (which may be thought of as logical sequences that define types or patterns used in detecting unwanted incidents) and context scenarios (which may be thought of as logical sequences that help provide additional context in the investigation stage of an incident) may be defined to take into account such information and be used in these and/or regards.

PATENT: System and method for dynamically managing message flow; US 10,380,688 B2; 8/13/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: System and method for dynamically managing message flow. According to the example embodiments, an intermediary network device or a client device dynamically manages the flow of messages received from an electronic exchange by analyzing the client device's capabilities, such as CPU utilization. Based on a percentage of total CPU utilization, the level of throttling is dynamically adjusted, such that if the percentage of CPU utilization, or load, increases, then throttling is increased from a lower level to a higher level. Similarly, if the percentage of CPU utilization decreases significantly enough, then throttling is decreased to a lower level.

PATENT: Method and apparatus for exchange-based condition processing; US 10,380,689 B2; 8/13/2019; CPC G06Q 40/06; 19 claims; assigned to BGC Partners, Inc.

ABSTRACT: Various embodiments of exchanges are described. Methods and other embodiments are also described.

PATENT: Dataset cleansing; US 10,380,690 B2; 8/13/2019; CPC G06Q 40/06; 21 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Datasets may be characterized by patterns. The patterns may be caused or otherwise influenced by external factors, such as temporal, meteorological, and/or system factors. The external factors, as well as the patterns which result in the data values of the dataset because of the external factors, may provide for techniques used to account for missing data elements, outlier data elements and/or otherwise cleanse the dataset. New elements may be generated to provide for the missing data elements, and derivative datasets may be generated based on one or more cleansed datasets.

PATENT: Rights transfers using block chain transactions; US 10,380,702 B2; 8/13/2019; CPC G06Q 50/01; 13 claims; assigned to Monegraph, Inc.

ABSTRACT: Systems and methods for managing media, such as digital content, using block chain technology are described. In some embodiments, the systems and methods perform multiple digital currency transfers between address nodes to register a collection of rights to a digital content item to a block chain, and perform a digital currency transfer transaction between address nodes to register the collection of rights to the block chain.

PATENT: Chip card imaging and verification system; US 10,373,111 B2; 8/6/2019; CPC G06Q 10/087; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A system includes a vision system, a database, a chip reader, and a computer system. The computer system accesses an image of a two-dimensional barcode captured by the vision system and determines barcode information for a group of cards. The barcode information comprises a chip expiration date that applies to the cards in the group of cards. The computer system accesses particular chip information read by the chip reader for a particular card of the group of cards and verifies that the particular chip information matches the barcode information.

PATENT: Dynamic resource management associated with payment instrument exceptions processing; US 10,373,128 B2; 8/6/2019; CPC G06Q 20/042; 16 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention include systems, methods, and computer-program products for dynamic resource management for managing payment exception processing and maximize work flow. In this way, the system may lift data from financial documents received from sources to allow for exception processing. The exceptions may include one or more irregularities such as bad micro line reads, outdated check stock, or misrepresentative checks that may result in a failure to match the check to an associated account for processing.

PATENT: Cryptocurrency payment network; US 10,373,130 B2; 8/6/2019; CPC G06Q 20/065; 18 claims; assigned to Square, Inc.

ABSTRACT: In one embodiment, a method includes receiving a request for payment associated with a transaction between a first user and a second user, where the request specifies a payment amount in a fiat currency and identifying an indication that the first user intends to satisfy the request for payment using a non-fiat instrument. The method also includes initiating a first transfer of a value corresponding to the payment amount in the non-fiat instrument from a first balance of the first user to one or more service balances of a payment service and initiating a second transfer of a value corresponding to the payment amount in the fiat currency from the one or more service balances of the payment service to a second balance of the second user.

PATENT: Recurring event analyses and data push; US 10,373,131 B2; 8/6/2019; CPC G06Q 20/102; 7 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Systems, methods and computer program products for allocation of resources based on event triggers are provided. As an example, the system receives a set of electronic guidelines outlining scheduled allocation of resources based on detection of trigger events, where the resources are transferred electronically from a source to a destination. The system parses the electronic guidelines into a set of event triggers associated with resource allocations and monitor activities associated events related to allocation resources.

PATENT: Context aware predictive activity evaluation; US 10,373,248 B1; 8/6/2019; CPC G06Q 40/02; 33 claims; assigned to Wells Fargo Bank, N.A.

TECHNICAL FIELD: The present subject matter relates to the field of predictive analytics. Specifically, in some example embodiments, in providing an indication of the likelihood that a predicted activity may be successfully completed in a current context.

PATENT: Systems and methods for managing a customer account switch; US 10,373,249 B2; 8/6/2019; CPC G06Q 40/02; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account.

PATENT: System and method for displaying highest and lowest traded prices of tradable objects; US 10,373,250 B2; 8/6/2019; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A client terminal displays on a graphical interface a first indicator of a price associated with a lowest traded price of a tradable object during a predetermined period of time, a second indicator of a price associated with a highest traded price of the tradable object during the predetermined period of time, along with at least one quantity indicator associated with at least one order to buy/order the tradable object. The first indicator, the second indicator, and the at least one quantity indicator are displayed in relation to a static axis of price, and the client terminal dynamically updates the first and second indicator to new lowest and highest traded prices based on market updates received from an exchange.

PATENT: Financial trading system based on real-time prediction using virtual cash; US 10,373,251 B2; 8/6/2019; CPC G06Q 40/04; 7 claims.

TECHNICAL FIELD: The present disclosure relates to a new type of financial trading model, more particularly, a financial trading system based on real-time prediction using a virtual cash capable of being created by using an encryption key, guaranteeing an anonymity of a trade, and being payed and traded through various types of tools, thereby easily and quickly being traded without the restriction on time-space.

PATENT: System and method for chart based order entry; US 10,373,252 B2; 8/6/2019; CPC G06Q 40/04; 25 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Systems and methods for chart-based order entry are described. According to one example method a chart is used to display historical market data corresponding to a tradable object. An order entry interface is displayed in relation to the chart. The order entry interface includes a plurality of price objects for selecting price levels to be used for trade orders to buy or sell the tradable object. According to one example method, the price levels corresponding to the price objects depend on a location of the interface in relation to the chart, and as the interface is moved in relation to the chart, the price levels are automatically updated. Upon selection of the price level on the interface, a trade order to buy or sell is submitted to a matching engine at an electronic exchange.

PATENT: Systems and methods of creating order lifecycles via daisy chain linkage; US 10,373,253 B2; 8/6/2019; CPC G06Q 40/04; 20 claims; assigned to Fidelity National Information Services, Inc.

ABSTRACT: Systems, devices, and methods for linking orders to develop a consolidated audit trail (CAT) are configured to receive event data for one or more orders based on one or more order characteristics; determine linkages between the one or more orders based on parent relationships of the one or more orders; verify the linkages between the one or more orders based on the event data; and determine order lifecycles based on the linkages between the one or more orders.

PATENT: Computerized system for evaluating and modifying technology change events; US 10,366,367 B2; 7/30/2019; CPC G06Q 10/10; 21 claims; assigned to Bank of America Corporation.

SUMMARY: In general, embodiments of the invention are directed to a system that performs technical language processing of records associated with information technology operational activities. The system may perform operational data processing of the records in order to evaluate the information technology operational activities and the technology resources associated with the activities. The system may transform descriptive data of the plurality of records, determine interdependencies of the activities, and construct categorical activity records.

PATENT: Digital wallet system and method; US 10,366,387 B2; 7/30/2019; CPC G06Q 20/36; 21 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the present invention provide methods and systems to enable a digital wallet identifier to be present in communications associated with transaction data for transactions that are facilitated by a digital wallet provider. In one embodiment, a communication device of a user receives a request for payment credentials required to conduct a transaction and obtains the payment credentials.

PATENT: Connected device transaction code system; US 10,366,389 B2; 7/30/2019; CPC G06Q 20/385; 15 claims; assigned to Visa International Service Association.

ABSTRACT: Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.

PATENT: Automatic refresh authorization for expired payment transaction authorizations; US 10,366,390 B2; 7/30/2019; CPC G06Q 20/40; 19 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: An automatic refresh authorization for payment transaction authorizations that are estimated to be expired can be determined `in house` by a payment service provider without the need for human intervention or additional information from a merchant. If several days have gone by since a credit card payment was authorized (but not settled), a reauthorization can be automatically initiated so that a subsequent capture/settlement request will successfully transfer funds.

PATENT: Variable authentication process and system; US 10,366,391 B2; 7/30/2019; CPC G06Q 20/40; 21 claims; assigned to Visa International Service Association.

ABSTRACT: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

PATENT: Transactionally deterministic high speed financial exchange having improved, efficiency, communication, customization, performance, access, trading opportunities, credit controls, and fault tolerance; US 10,366,452 B2; 7/30/2019; CPC G06Q 40/04; 29 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

PATENT: Providing consolidated order management; US 10,366,453 B2; 7/30/2019; CPC G06Q 40/04; 18 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure relate to computer systems that provide effective, efficient, scalable, and convenient ways of uniformly managing how different products and/or services are provided to different customers across different channels of an organization, such as a financial institution.

PATENT: Order risk management for derivative products; US 10,366,454 B2; 7/30/2019; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum delta, gamma and/or vega utilization values for derivative product contracts based on the same underlying product. Before executing a trade, a match system analyzes the trader's current utilization state and the utilization that would result after the trade. The match system may then execute all or a portion of the trade.

PATENT: Systems and methods for managing portfolio-relevant news content; US 10,366,455 B2; 7/30/2019; CPC G06Q 40/06; 19 claims; assigned to Scottrade, Inc.

ABSTRACT: A computer-implemented method for managing portfolio-relevant content is implemented by a content management computer system coupled to a memory. The method includes receiving a set of assets associated with an investor account, transmitting an investment content request for an investment content associated with at least one asset of the set of assets, receiving the investment content including a plurality of investment content items, determining a plurality of content indicators associated with each investment content item, determining a set of relevant investment content including a plurality of display parameters based at least partially on at least a portion of the investment content and at least a portion of the set of assets, and providing the set of relevant investment content for display on a user device based on at least a portion of the display parameters.

PATENT: Live reporting of check image keying issues; US 10,366,458 B2; 7/30/2019; CPC G06Q 40/12; 20 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome the technical problems associated with reporting issues that arise when using a computing system. In particular, one or more aspects of the disclosure provide techniques for live reporting of check keying issues for users of a check balancing computing system.

PATENT: Timely quality improvement of an inventory of elements; US 10,360,525 B1; 7/23/2019; CPC G06Q 10/0635; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Timely quality improvement of an inventory of elements is provided. An event submission that includes at least one element of the inventory of elements is received at about the same time as the event is encountered. The event submission is prioritized based on factors related to the submitter, the event, historical information, or combinations thereof. A risk level or rating is assigned to the event submission and others are invited to comment on the event submission. Based on the comments, real-time information is presented so that the event submission may be tracked during the process. The submitter of the event submission is assigned a credibility rating and is given an incentive for providing the event submission.

PATENT: System and method for mobile check deposit; US 10,360,539 B1; 7/23/2019; CPC G06Q 20/042; 25 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Machine-readable storage media having instructions stored therein that, when executed by a processor of a mobile device, configure the mobile device to capture a check image for funds to be deposited into a recipient account.

PATENT: Time analysis of a banking system; US 10,360,541 B2; 7/23/2019; CPC G06Q 20/1085; 19 claims; assigned to Diebold Nixdorf Incorporated.

ABSTRACT: A banking system that utilizes metrics in acquiring and processing event data related to financial transaction activity at a plurality of automated banking machines. Automated banking machine include sensors able to detect event data during a transaction. The event data can include transaction data related to the type of transaction, time analysis data related to duration of the transaction, and operational data related to machine components used in carrying out the transaction. The event data for automated banking machines can be obtained, analyzed, and stored. Statistical averages associated with the banking system machines can be determined in real time. The averages allow a respective machine to be compared to other machines with respect to operational efficiency. An alert can be issued concerning a statistical anomaly regarding the respective machine.

PATENT: Systems and methods to provide account features via web based user interfaces; US 10,360,627 B2; 7/23/2019; CPC G06Q 40/02; 19 claims; assigned to Visa International Service Association.

ABSTRACT: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

PATENT: Augmented reality confidential view; US 10,360,628 B1; 7/23/2019; CPC G06Q 40/02; 18 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method implemented on an augmented reality (AR) device includes receiving an image of a document on the AR device. The image of the document includes one or more areas of obfuscated text. A marker on the document is identified. The marker is associated with an area of obfuscated text on the document. The marker is scanned using the AR device. When the user of the AR device is authenticated, a non-obfuscated image of the text associated with the marker is displayed on the AR device.

PATENT: Volume attentive trade liquidity builder; US 10,360,629 B2; 7/23/2019; CPC G06Q 40/04; 28 claims; assigned to The Bartley J. Madden Foundation.

ABSTRACT: Systems and methods are described for aggregating and filling Volume Attentive Trade (VAT) orders using a VAT Liquidity Builder. As described, in various aspects a first grouping of VAT orders may be aggregated by the VAT Liquidity Builder. A second grouping of VAT orders may also be aggregated by the VAT Liquidity Builder. Each of the VAT orders for the first and second groups may each include a set of VAT rules that define a limit price, a share quantity and a VAT delta. The VAT Liquidity Builder may then generate an effective limit price for each of the first group of VAT orders using the corresponding limit prices and VAT deltas, and generate an execution command to fill a particular VAT order having the largest share quantity from the second group of VAT orders with one or more qualifying VAT orders from the first group.

PATENT: Basket creation system and method; US 10,360,630 B2; 7/23/2019; CPC G06Q 40/04; 24 claims; assigned to Eaton Vance Management.

ABSTRACT EXCERPT: An apparatus and method is provided for modeling and generating basket data for non-transparent exchange-traded funds (ETFs) for share creation and redemption. Portfolio data, including start of day positions for the ETF and trading information for trades executed by a fund management computer (FMC) during the trading day, is transmitted from the FMC to a basket modeling application computer (BMA).

PATENT: Utilizing artificial intelligence to make a prediction about an entity based on user sentiment and transaction history; US 10,360,631 B1; 7/23/2019; CPC G06Q 40/04; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A device receives comment information that is associated with users and includes comments provided by the users, about an entity, via social media sources, and receives transaction information that is associated with the users and includes financial transactions of the users with the entity. The device determines correlations between the comment information and the transaction information, where the correlations between the comment information and the transaction information provide weights to the comment information to generate weighted comment information. The device generates a prediction about a future stock price of the entity based on the weighted comment information, the transaction information, and the correlations between the comment information and the transaction information, and provides the prediction about the future stock price of the entity for display.

PATENT: Fast track routing of streaming data using FPGA devices; US 10,360,632 B2; 7/23/2019; CPC G06Q 40/04; 25 claims; assigned to IP Reservoir, LLC.

ABSTRACT EXCERPT: Systems and methods are disclosed for fast track routing of streaming data as between multiple compute resources. For example, the system may comprise a processor, reconfigurable logic device, a shared memory that is mapped into a kernel and user space of an operating system for the processor, a network protocol stack, and driver code for execution within the kernel space of the operating system while the operating system is in the kernel mode.

PATENT: Hybrid electronic lockbox; US 10,360,641 B2; 7/23/2019; CPC G06Q 40/12; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A method of managing an electric lockbox, such as to reduce processing times associated with remittance processing, may include receiving, by one or more computing devices at a financial institution, a batch file and/or one or more physical remittances at lockbox associated with a payee, the batch file and any physical remittances comprising information associated with a plurality of financial transactions between one or more payors and the payee. The one or more computing devices may then determine whether at least a portion of the information corresponds to a payee preference.

PATENT: Method and apparatus for providing a balance-verified transaction identifier; US 10,354,233 B2; 7/16/2019; CPC G06Q 20/023; 20 claims; assigned to Bank of America.

ABSTRACT EXCERPT: An apparatus for forming an auth-process determination for a point of sale (POS) purchase executed using a balance-verified transaction identifier is provided. The transaction identifier may include identifier information configured as a pointer to a DDA account. A receiver may be configured to receive the balance-verified transaction identifier information and purchase information. The apparatus may retrieve DDA account information using previously-entered DDA account access information.

PATENT: Systems and methods for effecting personal payment transactions; US 10,354,237 B2; 7/16/2019; CPC G06Q 20/10; 12 claims; assigned to Capital One Services LLC.

ABSTRACT EXCERPT: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment.

PATENT: Multi-directional wallet connector apparatuses, methods and systems; US 10,354,240 B2; 7/16/2019; CPC G06Q 20/105; 20 claims; assigned to Visa International Service Association.

ABSTRACT: The multi-directional wallet connector apparatuses, methods and systems facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet.

PATENT: Two sided trading orders; US 10,354,322 B2; 7/16/2019; CPC G06Q 40/04; 18 claims; assigned to BGC Partners, Inc.

ABSTRACT: Systems and methods for instantly quoting a two-sided market. Using these systems and methods, a trader can use various trading interfaces to initiate two-sided market orders based on a value submitted and a pre-set spread amount as configured by the trader.

PATENT: Diverse options order types in an electronic guaranteed entitlement environment; US 10,354,323 B2; 7/16/2019; CPC G06Q 40/04; 12 claims; assigned to NYSE Group, Inc.

ABSTRACT EXCERPT: An enhanced system and method for handling, matching and executing a diverse group of limit-priced orders in an electronic options environment is disclosed. Most of the order types disclosed are automatically repriced and reposted as the NBBO changes to increase their execution opportunities.

PATENT: Click based trading with market depth display; US 10,354,324 B2; 7/16/2019; CPC G06Q 40/04; 22 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A method and system for reducing the time it takes for a trader to place a trade when electronically trading commodities on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable prices and quantities. Click based trading, as described herein and specifically the "Click" and "Dime" methods of the present invention, enables a trader to execute single mouse click trades for large volumes of commodities at a price within a pre-specified range.

PATENT: Computer-generated graphical user interface; US 10,354,325 B1; 7/16/2019; CPC G06Q 40/04; 20 claims; assigned to Winklevoss IP, LLC.

ABSTRACT: Methods for computer generation of graphical user interfaces are disclosed. The interfaces may provide representations of electronic order book data, including prospective orders and the impact of the prospective orders on the order book. Generating the graphical user interfaces can comprise calculating cumulative digital asset purchase order volumes and cumulative digital asset sell order volumes that are available in the order book at each order price. Graphical representations of a prospective order and a post-order order book may be generated and overlaid on the current order book graphical representation.

PATENT: System and method for dynamically determining quantity for risk management;

US 10,354,326 B2; 7/16/2019; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method for dynamically determining quantity for risk management are described. According to one example embodiment, as a trader positions an order icon at a desired price or price-derivative value on a graphical interface, an order quantity for the order is dynamically determined based on the order price and a selected risk management formula. A trader can change the price or the price-related value for one or more orders by moving the order icons relative to a price axis on a graphical interface. In such an embodiment, the initially calculated order quantity for each order will be dynamically recalculated based on the modified orders for the trading strategy.

PATENT: Receiving and processing transaction requests using a distributor portal; US 10,354,331 B2; 7/16/2019; CPC G06Q 40/08; 14 claims; assigned to Bank of America.

ABSTRACT EXCERPT: A method of initiating and processing an annuity transaction request according to a messaging protocol that uses entirely electronic forms of communication is provided.

PATENT: Disseminating floor quotes from open outcry markets; US 10,354,338 B2; 7/16/2019; CPC G06Q 50/01; 13 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: One or more methods may be used to disseminate floor quotes from an open outcry financial market, such as via messages posted on a social network. These messages may include additional information for providing "color" to the price quotation. In some cases, a method of disseminating the floor quotes may include receiving, at a computer device, a request from a trader to receive an authenticated user name associated with a financial exchange. The financial exchange may then permit the trader to post one or more messages to a social network using the authenticated user name, where the message includes information about a trade on the financial exchange.

PATENT: System and method for executing financial transactions; US 10,346,814 B2; 7/9/2019; CPC G06Q 20/065; 11 claims; assigned to Moni Limited.

ABSTRACT: A system for implementing at least one cryptocurrency transaction at a point-of-sale by using a mobile terminal is provided. The system is operable to provide authentication for implementing the one or more cryptocurrency transactions, wherein the system is operable to send at least one authentication request for the at least one cryptocurrency transaction from a payment terminal to a payment service hosted via one or more virtual computing machines, wherein the payment service is operable to provide a request for a PIN code at the mobile terminal; to send the PIN code from the mobile terminal via a secure channel to open a vault in the one or more virtual machines, wherein the vault contains one or more private keys which are useable for authenticating the at least one cryptocurrency transaction; and to confirm execution of the at least one cryptocurrency transaction to at least the payment terminal.

PATENT: System and method of distributed, self-regulating, asset-tracking cryptocurrencies; US 10,346,815 B2; 7/9/2019; CPC G06Q 20/065; 17 claims; assigned to Kowala Cayman SEZC.

ABSTRACT EXCERPT: The system and method disclosed herein includes a family of distributed, self-regulating, asset-tracking cryptocurrencies using blockchain technology. One embodiment, such as a computer-implemented method, may include maintaining a stable value of an asset token relative to a value of an underlying target asset. Further, the computer-implemented method may include minting the asset token in variable quantities, applying stability fees or rewards in variable quantities, and obtaining market feedback to determine the variable quantities of fees to apply, rewards to issue, and asset tokens to mint.

PATENT: Blockchain and deep links for mobile apps; US 10,346,826 B2; 7/9/2019; CPC G06Q 20/3224; 2 claims.

ABSTRACT EXCERPT: A deep link can have a name of a mobile app and a network address of a device on which an instance of the app is running. Deep links can be stored in a blockchain, along with related data, like the location of the device running the app. The deep links in the blockchain can be analyzed to make a social network graph. A node in the graph is a network address of a mobile device running a mobile app. An edge between 2 nodes is a mobile app, which had 2 instances of the app interacting, where each instance runs on one of the nodes. The edge could be directed, going from the first earlier instance to the second instance. A blockchain can be used by a mobile app to write a deep link referring to itself.

PATENT: Only-at-best trading orders in an electronic trading system; US 10,346,908 B2; 7/9/2019; CPC G06Q 40/04; 16 claims; assigned to BGC Partners, Inc.

ABSTRACT: Systems and methods of trading items on an electronic trading system according to the invention are provided. The embodiments of the invention are based at least in part on a new order type. The new order type is an only at best order type, whereby trades are preferably only executed at the best price the item is being bought or sold.

PATENT: System and method for pre-marshalling messages in an electronic trading environment; US 10,346,909 B2; 7/9/2019; CPC G06Q 40/04; 26 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: System and methods for pre-marshalling messages in an electronic trading environment are provided. Specifically, pre-marshalling messages allows for client and network devices to create messages in response to a defined first condition. Pre-marshalling messages allows a trading system to do more processing up front before the message is needed and when a second condition is satisfied. Thus, when the message is needed no further or very little processing must be performed to generate and send the message.

PATENT: Systems and methods for providing up-to-date information for transactions; US 10,346,910 B2; 7/9/2019; CPC G06Q 40/04; 20 claims; assigned to IEX Group, Inc.

ABSTRACT: In a system for executing transaction requests, a received request for a transaction in an item is delayed prior to matching that request with another request for transaction in that item by a delay based on a communication delay and/or a processing delay. The communication delay represents the time required to receive updated information about the item and the processing delay represents the time required to compute an updated item price using the received updated information.

PATENT: Private fund exchange system; US 10,346,911 B2; 7/9/2019; CPC G06Q 40/04; 19 claims; assigned to NASDAQ, Inc.

ABSTRACT: The technology relates to allowing investors to electronically invest in private market investments, such as a private equity fund. System and methods described herein relate to an electronic private marketplace where investors can participate in a rule-based system for establishing and investing in private market assets, such as a private equity fund, during predetermined time periods for various buying and selling activities in the private marketplace.

PATENT: System and method for financial matching; US 10,346,912 B2; 7/9/2019; CPC G06Q 40/04; 14 claims; assigned to TradeWeb Markets LLC.

ABSTRACT: A trading platform for trading financial instruments, and in particular for clearing odd lots, that provides the ability to receive, manage, match, and supervise orders. In an exemplary embodiment, the trading platform includes computer software modules and provides graphical user interfaces to handle the process of entering orders for desired positions, monitor the status of open positions, and obtain data in connection order requests. The trading platform is also capable of matching orders and sending orders to be executed.

PATENT: Distributed data processing; US 10,346,913 B2; 7/9/2019; CPC G06Q 40/04; 50 claims; assigned to NASDAQ, Inc.

ABSTRACT: None available.

PATENT: Automated electronic trade matching systems and methods; US 10,346,914 B2; 7/9/2019; CPC G06Q 40/04; 26 claims; assigned to Electronifie Inc.

ABSTRACT: Embodiments of the present invention may provide users with an automated electronic trade matching system for orders to buy and sell fixed income instruments. Embodiments of the present invention may incentivize subscribers to enter unbiased, executable orders in their maximum desired size while discouraging and taming predatory behavior. Embodiments of the present invention may prevent individual subscriber order information from being revealed to other parties unless needed to facilitate the execution and clearance/settlement of subscriber orders or required by law or regulation.

PATENT: System and method for automated trading of financial interests; US 10,346,918 B2; 7/9/2019; CPC G06Q 40/04; 19 claims; assigned to Aequitas Innovations Inc.

ABSTRACT: A derived order gives a participant simultaneous access to liquidity across multiple books, destinations, or marketplaces. The derived order can be placed and anchored in one trading venue and simultaneously replicated in another trading venue. A participant can place the derived order in the lit book as an anchor book and replicate the order in the hybrid book and/or the dark book, or alternatively, the participant can place the derived order in the hybrid book as an anchor book and replicate the order in the dark book. A trading engine can be configured to replicate an order in different books and guarantee that each order is only executed once. When an order is replicated, the trading engine can check the stored record to see where the order was placed, and then adjust or cancel an order in one book when it is being fulfilled in a different book.

PATENT: Systems and computer-implemented processes for depositing, withdrawing, and reusing currency for purchase transactions using an intelligent teller machine; US 10,339,507 B2; 7/2/2019; CPC G06Q 20/1085; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business.

PATENT: Methods for determining user experience (UX) effectiveness of ATMs; US 10,339,508 B1; 7/2/2019; CPC G06Q 20/1085; 8 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Computer implemented system and methods are provided for evaluating the effectiveness of personalized automated teller machines. In some embodiments, the system may include a camera, an automated teller machine comprising a user interface based on a user profile and at least one server geographically remote from the automated teller machine.

PATENT: System and methods for providing gratuity based on location; US 10,339,517 B2; 7/2/2019; CPC G06Q 20/3224; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system, method, and computer-readable storage medium configured to facilitate gratuities to individuals and employees of establishments based on location.

PATENT: Method and system for direct carrier billing; US 10,339,518 B2; 7/2/2019; CPC G06Q 20/325; 20 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the processing of payment transactions for direct carrier billing through the use of virtual card numbers (VCNs).

PATENT: Device enabled identification and authentication; US 10,339,521 B1; 7/2/2019; CPC G06Q 20/363; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Systems and methods that facilitate performing multiple transactions at once using a vehicle based wallet are disclosed herein. The vehicle based wallet can link to a plurality of mobile wallets and perform singular transactions with ATMs and POS machines, the singular transactions being a group transaction associated with one or more of the mobile wallets.

PATENT: Smart card purchasing transactions using wireless telecommunications network; US 10,339,522 B2; 7/2/2019; CPC G06Q 20/3674; 20 claims; assigned to Visa International Service Association.

SUMMARY: The present invention relates generally to smart cards. More specifically, the present invention relates to loading value and making purchases using a smart card in conjunction with a mobile telephone.

PATENT: System and method for risk evaluation in EFT transactions; US 10,339,526 B2; 7/2/2019; CPC G06Q 20/4016; 20 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating participant and a destination participant. The method includes maintaining an alias table stored in a computer memory, the alias table containing country information for facilitating identification of a corresponding country associated with at least one EFT participant.

PATENT: Surcharge violation registry; US 10,339,528 B2; 7/2/2019; CPC G06Q 20/405; 14 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Apparatus and methods for auditing a transaction record are provided. The transaction record may correspond to a credit card transaction. The auditing may include identifying a surcharge violation. The surcharge violation may be an unlawful surcharge. The auditing may identify patterns of double surcharging. Transaction-level auditing may include ensuring that a surcharge is returned upon a product return. A mobile wallet application may allow consumers to access and/or report merchant surcharge compliance activity.

PATENT: Rules engine for applying rules from a reviewing network to signals from an originating network; US 10,339,529 B2; 7/2/2019; CPC G06Q 20/405; 18 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network.

PATENT: Touch authentication of multiple users or operating modes for a transaction card; US 10,339,530 B1; 7/2/2019; CPC G06Q 20/409; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A transaction card receives a first input containing a first touch sequence from a first user and including first touch gestures, determines that the first touch sequence corresponds to a first reference touch sequence associated with the first user, and initiates a first operating mode, associated with the first touch sequence, that is associated with the first user and causes the transaction card to perform a first function.

PATENT: Organic light emitting diode (“OLED”) security authentication system; US 10,339,531 B2; 7/2/2019; CPC G06Q 20/4093; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Aspects of the invention relate to a smart card that leverages emerging technology hardware to enhance secure release of sensitive data associated with the smart card. The smart card may include an OLED display. The device may include one or more biometric sensors.

PATENT: Protecting privacy in audience creation; US 10,339,545 B2; 7/2/2019; CPC G06Q 30/0201; 24 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to methods for protecting privacy in the creation of audiences, specifically for identifying ideal consumers for marketing purposes without the use of personally identifiable information.

PATENT: Method and system to assess finder's fee for customer traffic at a merchant location; US 10,339,551 B2; 7/2/2019; CPC G06Q 30/0214; 14 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the assessing of a finder's fee for directing consumer traffic to a merchant, specifically the assessing of a finder's fee for a consumer driven to a merchant location following the distribution of an offer to the merchant to the consumer's mobile device.

PATENT: Method and system for real-time offer optimization; US 10,339,552 B2; 7/2/2019; CPC G06Q 30/0222; 16 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the identification and distribution of offers, specifically the use of transaction data to identify parameters for a consumer as requested by a consumer entity for use by a merchant entity to identify offers, and the selection thereof of a highly or most likely effective offer to provide to the consumer entity for presentation to the consumer.

PATENT: Systems and methods to apply the benefit of offers via a transaction handler; US 10,339,553 B2; 7/2/2019; CPC G06Q 30/0222; 14 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions.

PATENT: Systems and methods to provide messages in real-time with transaction processing; US 10,339,554 B2; 7/2/2019; CPC G06Q 30/0231; 20 claims; assigned to Visa International Service Association.

ABSTRACT: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

PATENT: Systems and methods for providing offers using a mobile device; US 10,339,557 B2; 7/2/2019; CPC G06Q 30/0239; 20 claims; assigned to Capital One Financial Corporation.

ABSTRACT: The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.

PATENT: Object recognition and analysis using augmented reality user devices; US 10,339,583 B2; 7/2/2019; CPC G06Q 30/0623; 20 claims; assigned to Bank of America Corporation.

SUMMARY: In one embodiment, the disclosure includes an augmented reality system with an augmented reality user device for a user. The augmented reality user device has a display for overlaying virtual objects onto tangible objects in a real scene in real-time. The augmented reality user device also has a camera for capturing images of tangible products and a global position system (GPS) sensor configured to provide the geographic location of the user. The augmented reality user device further comprises one or more processors connected to the display, the camera, and the GPS sensor.

PATENT: Connected consumables preparation area; US 10,339,589 B2; 7/2/2019; CPC G06Q 30/0633; 12 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: According to one aspect there is provided a consumables preparation area comprising an electronically stored consumables inventory update initiator, said update initiator: comprising one or more of: a barcode scanner, a quick response (QR) code scanner, a Radio-Frequency Identification (RFID) tag reader, a scanner configured for optical character recognition (OCR) and digital scales; and being configured for use within the dwelling or establishment in which said consumables are to be transformed for use.

PATENT: Connected device-triggered failure analysis; US 10,339,601 B2; 7/2/2019; CPC G06Q 40/02; 16 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device.

PATENT: Separately traded registered discount income and equity securities and systems and methods for trading thereof; US 10,339,603 B1; 7/2/2019; CPC G06Q 40/06; 17 claims; assigned to Metaurus LLC.

ABSTRACT: Systems and methods for creating different financial interests in a portfolio of stocks, a stock index or other financial assets based on a series of interim cash flows of the asset. Specifically, the present invention relates to systems and methods for dividing such assets into income and equity components. In one aspect, the income component is an ordinary dividend component for a fixed time period or until a fixed dollar amount has been paid and the equity component is a capital component that can be traded separately.

PATENT: Method and system for making a targeted offer to an audience; US 10,339,610 B2; 7/2/2019; CPC G06Q 50/01; 26 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to a method and system for making a targeted offer to an audience, specifically for identifying ideal consumers for marketing purposes through the generation of interaction associations that are based upon behavioral information and intent of a first plurality of entities, and predicting behavior and intent of a second plurality of entities based upon the interaction associations.

PATENT: Pin entry for internet banking on media device; US 10,332,081 B2; 6/25/2019; CPC G06Q 20/10; 17 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the invention disclose a remote control device for operating a media device that can be used to conduct financial transactions. The remote control device includes a user interface to accept user input, and a communication interface to communicate with the media device. The remote control device also includes a hardware security module that is coupled to the user interface and the communication interface.

PATENT: Method and system for issuing a payment medium; US 10,332,082 B2; 6/25/2019; CPC G06Q 20/1085; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method and system for issuing a payment medium for use in an electronic payment transaction. The method comprising the steps of identifying a user based on identification data received from the user at an Automated Teller Machine (ATM); receiving, at the ATM, a request from the user for a payment medium having a monetary amount and a validity period of the payment medium; generating, at the ATM, a code that is associated with the identification data, the monetary amount and the validity period and dispensing, at the ATM, the payment medium with the code.

PATENT: System and method for setting a hot product alert on transaction data; US 10,332,088 B2; 6/25/2019; CPC G06Q 20/203; 21 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A system and a method for determining when a predetermined number of a specific product or of a type of product has been sold so that an alert can be generated when the number sold exceeds the predetermined number. Transaction rules can be set to monitor transaction data in a database to achieve this result.

PATENT: Recordation of electronic payment transaction information; US 10,332,094 B2; 6/25/2019; CPC G06Q 20/32; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer.

PATENT: Wearable device for event access, payment for offline transactions at the event, and visual light display; US 10,332,100 B1; 6/25/2019; CPC G06Q 20/3278; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A wearable device receives ticket information for an event and information indicating a quantity of funds allocated from an account, associated with a user of a user device, to the wearable device, and stores the ticket information and the information indicating the quantity of funds. The wearable device utilizes a wireless component to pair the wearable device and the user device, and provides, to the user device and via the wireless component, the ticket information and information indicating access privileges for the event.

PATENT: System, method, and apparatus for a dynamic transaction card; US 10,332,102 B2; 6/25/2019; CPC G06Q 20/353; 19 claims; assigned to Capital One Services, LLC.

ABSTRACT: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.

PATENT: Augmented reality card activation; US 10,332,103 B2; 6/25/2019; CPC G06Q 20/354; 21 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service.

PATENT: Pre-transaction data exchange; US 10,332,105 B2; 6/25/2019; CPC G06Q 20/38; 9 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present invention relates generally, but not exclusively, to a network which enables a card holder to more conveniently determine where they are able to use their payment card and whether they are able to perform a transaction of a specified amount.

PATENT: Secure shell file transfer protocol key administration; US 10,332,107 B2; 6/25/2019; CPC G06Q 20/3829; 8 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods of centralized, global secure shell (SSH) key administration and management are provided, where a secure file transfer protocol (SFTP) application programming interface (API) can be leveraged to integrate centralized SSH key administration across any and all SFTP API or other file transfer installations.

PATENT: Systems and methods to protect user privacy; US 10,332,108 B2; 6/25/2019; CPC G06Q 20/383; 14 claims; assigned to Visa International Service Association.

ABSTRACT: A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal coupled between merchant systems and points of interaction of users; and a transaction handler coupled between acquirer processors and issuer processors. The portal and the transaction handler are configured to shield user data, such as address, account information, etc., from the merchant systems in accordance with the personal privacy policy of the user.

PATENT: System and method for authenticating a payment transaction; US 10,332,110 B2; 6/25/2019; CPC G06Q 20/401; 12 claims; assigned to Barclays Services Limited.

ABSTRACT: A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed.

PATENT: Authentication with smartwatch; US 10,332,111 B2; 6/25/2019; CPC G06Q 20/4014; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the disclosure are directed to performing a transaction between a smartwatch and an access device. Transaction details are transmitted by an antenna of a smartwatch to a contactless transaction module. An interface is rendered to a display of the smartwatch. An input of the interface is adjusted in response to a rotation of a crown of the smartwatch. The input is transmitted, by the antenna of the smartwatch, to a contactless transaction module in response to a confirmation of the input by a user of the smartwatch.

PATENT: Systems, methods and computer readable medium for wireless solicitations; US 10,332,143 B2; 6/25/2019; CPC G06Q 30/0215; 21 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider.

PATENT: Systems and methods for evaluating effectiveness of campaigns through use of transaction amount markers; US 10,332,146 B2; 6/25/2019; CPC G06Q 30/0242; 17 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods for evaluating effectiveness of campaigns are disclosed. One exemplary method includes identifying a promotional campaign offered by a merchant during an offer period including an offer of a commodity at a predetermined price, and compiling a first set of payment accounts based on each payment account including a transaction to the merchant at the predetermined price within the offer period.

PATENT: Method and system for detecting pricing driven by browser settings; US 10,332,177 B2; 6/25/2019; CPC G06Q 30/0623; 4 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method and a system are provided for detecting pricing driven by browser settings. A method and a system are also provided for identifying merchants that are using browser-driven or cookie-driven price setting mechanisms, and for helping shoppers obtain the lowest available price for a product or service.

PATENT: System and method for trade payment exchange; US 10,332,190 B1; 6/25/2019; CPC G06Q 30/0635; 3 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: A system and method for exchanging information and documents related to the processing of trade transactions is provided. The method comprises associating at least one unique identifier with at least one shipping document; and posting the at least one unique identifier and the least one shipping document on a first communications network. A system for exchanging information and documents related to the processing of trade transactions is also provided.

PATENT: Methods and systems for locating a mobile merchant; US 10,332,192 B2; 6/25/2019; CPC G06Q 30/0639; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-based method for determining a location of a mobile merchant computing device is provided. The method is implemented using a location manager (LM) computing device in communication with a processor and a memory device.

PATENT: Dual-use display screen for financial services applications; US 10,332,200 B1; 6/25/2019; CPC G06Q 40/00; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A method includes displaying a financial services document on a display screen of an electronic computing device. The financial services document is displayed on a first section of the display screen and on a second section of the display screen. An action is performed on the financial services document on the first section of the display screen without changing the display of the financial services document on the second section of the display screen. An action is performed on the financial services document on the second section of the display screen without changing the display of the financial services document on the first section of the display screen.

PATENT: Bundled financial accounts; US 10,332,201 B1; 6/25/2019; CPC G06Q 40/02; 12 claims; assigned to The PNC Financial Services Group, Inc.

ABSTRACT EXCERPT: A computer-assisted method of presenting a plurality of financial accounts as a unitary financial account. The method includes displaying, on a graphical display, a graphical representation of a first financial account and displaying, on the graphical display, a graphical representation of a second financial account, wherein the graphical representation of the first financial account and the graphical representation of the second financial account are displayed as a unitary graphical representation that conveys to a user that the first financial account and the second financial account are a partitioned unitary financial account.

PATENT: Transactionally deterministic high speed financial exchange having improved, efficiency, communication, customization, performance, access, trading opportunities, credit controls, and fault tolerance; US 10,332,206 B2; 6/25/2019; CPC G06Q 40/04; 26 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

PATENT: Algorithmic model to allow for order completion at settlement or at close using exchange mandated rules for settlement determination; US 10,332,207 B2; 6/25/2019; CPC G06Q 40/04; 18 claims; assigned to Fidessa PLC.

ABSTRACT EXCERPT: A system and method for managing and processing Market-On-Close orders for financial instruments by dynamically employing trading strategies according to settlement rules for financial instruments is provided. Techniques disclosed can include the use of an execution model that allows a trader to submit a MOC order using a trading system.

PATENT: Methods and arrangements for an automated exchange system; US 10,325,225 B2; 6/18/2019; CPC G06Q 10/00; 28 claims; assigned to Nasdaq Technology AB.

ABSTRACT EXCERPT: A method of processing exchange system trading data is disclosed. In one embodiment, the method comprises receiving an order data message from a matching engine of an automated exchange. The order data message has first data format and it also comprises identification information associated with a trading entity. The received data message is then converted into a new data message of a new data format, which is different from the data format of the received order data message.

PATENT: Mobile device multi-feed scanner; US 10,325,247 B2; 6/18/2019; CPC G06Q 20/108; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: An imaging device provides a mobile device multi-feed scanner, which may utilize remote data capture for multi-sheet feed scanning by using mirrors to form a reflective path allowing the viewing of the reverse side of the check on a platform to capture the check image on a mobile device. A camera on the mobile device may either sequentially or simultaneously capture a picture of both the front and back sides of the check.

PATENT: Automobile mobile-interaction platform apparatuses, methods and systems; US 10,325,248 B2; 6/18/2019; CPC G06Q 20/14; 24 claims; assigned to Visa International Service Association.

ABSTRACT: The claim invention transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

PATENT: Apparatus, method, and computer program product for secure, privacy-aware qualified expenditure tracking in an ISO 8583 network or the like; US 10,325,251 B2; 6/18/2019; CPC G06Q 20/204; 12 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: At an intermediate node in a payment card processing network, clearing records are obtained for payment card transactions with a merchant which sells eligible wares and ineligible wares. Said clearing records specify, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares. At least a portion of said clearing records are stored in a first database accessible to said intermediate node in said payment card processing network, by transaction.

PATENT: Augmented smart tag security apparatuses, methods and systems; US 10,325,255 B2; 6/18/2019; CPC G06Q 20/3821; 14 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The Augmented Smart Tag Security Apparatuses, Methods AND Systems (ASTS) transform video and other media inputs of POS terminals, NFC/RFID tags, QR/bar codes, and/or any associated contextual data via ASTS components into ways to validate the POS security and instructions/restrictions regulating access to and action on the data stored in the tags and codes.

PATENT: Anchor tags for use with individual signer profile cards; US 10,325,256 B2; 6/18/2019; CPC G06Q 20/3825; 5 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Systems and methods for an individual floating signer profile card compatible with anchors tags are provided. The individual floating signer profile card may include a plurality of personally identifiable information elements associated with one individual and a plurality of text fields. The individual floating signer profile card may further include a plurality of anchor tags.

PATENT: Systems and methods for account processing validation; US 10,325,258 B2; 6/18/2019; CPC G06Q 20/40; 23 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A computer system for validating an account to be used in an electronic payment includes a processor coupled to a memory device. The computer system is programmed to receive an account validation web request from a bill payment originator. The account validation web request includes account details. The computer system is further programmed to process the account validation web request to parse the account details, validate the account details associated with the account validation web request using at least one validation rule, and transmit an account validation web response to the bill payment originator.

PATENT: Systems communications with non-sensitive identifiers; US 10,325,261 B2; 6/18/2019; CPC G06Q 20/4014; 14 claims; assigned to Visa International Service Association.

ABSTRACT: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.

PATENT: Product recall platform apparatuses, methods and systems; US 10,325,268 B2; 6/18/2019; CPC G06Q 30/014; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A platform transforms recall initiation request, product identifier and purchase processing request inputs into recall notification message outputs. The Platform receives a purchase processing request including a plurality of product identifiers and preselects product identifiers that qualify for purchase processing based on at least one purchase processing rule. The Platform facilitates querying of a product recall database to determine if the preselected product identifiers match recalled product identifiers in the product recall database.

PATENT: System and method for providing enhanced rewards to customers; US 10,325,277 B1; 6/18/2019; CPC G06Q 30/0226; 18 claims; assigned to Capital One Services LLC.

ABSTRACT EXCERPT: Systems and methods for providing rewards to a user are provided. Providing rewards to the user may include receiving transaction data associated with a user's purchase, determining a merchant and a category associated with the transaction data, and assigning the transaction data to a merchant icon or a badge icon in a graphical user interface. The merchant icon or the badge icon may comprise a progress bar that indicates the user's progress in reaching a milestone associated with the icon.

PATENT: Systems and methods for providing customers with matching rewards; US 10,325,278 B2; 6/18/2019; CPC G06Q 30/0232; 18 claims; assigned to Capital One Services LLC.

ABSTRACT EXCERPT: A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts.

PATENT: Enabling distribution of digital pictures; US 10,325,299 B2; 6/18/2019; CPC G06Q 30/0601; 13 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A mobile computing device configured for enabling distribution of digital pictures is provided. Additionally, a method for enabling distribution of digital pictures and a computer-readable storage medium having computer-executable instructions embodied thereon for enabling distribution of digital pictures are provided.

PATENT: Systems and computer-implemented processes for analyzing and determining the value of switching accounts; US 10,325,311 B2; 6/18/2019; CPC G06Q 30/0226; 18 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account.

PATENT: Connected device-triggered failure analysis; US 10,325,312 B2; 6/18/2019; CPC G06Q 40/02; 28 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device.

PATENT: OLED (“organic light emitting diode”) teller windows; US 10,325,313 B2; 6/18/2019; CPC G06Q 40/02; 6 claims; assigned to Bank of America Corporation.

SUMMARY: A method for enabling an OLED, drive-up, two-sided teller window is provided. The method may include establishing an initiation state. During the initiation state, the teller window may be transparent.

PATENT: Database image matching using machine learning with output personalization; US 10,325,315 B1; 6/18/2019; CPC G06Q 40/025; 14 claims; assigned to Capital One Services LLC.

TECHNICAL FIELD: The present disclosure relates generally to the field of image analysis using machine learning algorithms. More specifically, and without limitation, this disclosure relates to systems and methods for using machine learning algorithms to identify vehicles from images and generate personalized outputs.

PATENT: Method and apparatus of displaying market depth and other information on a mobile phone, handheld device or computer system; US 10,325,316 B2; 6/18/2019; CPC G06Q 40/04; 51 claims; assigned to Trade Capture, OTC Corp.

ABSTRACT: An exemplary system according to the present disclosure comprises a server system (comprising one or more computing devices) that is in communication with one or more financial exchange systems and one or more data source computer devices (e.g., news sources). Also in communication with the server system are one or more mobile communication devices. The server system comprises a memory and a processor executing software that enables the server system to receive live market data and information from one or more of the financial exchange systems and the data source computer devices; aggregate and filter the data and information; according to one or more pre-set user preferences and/or one or more user-initiated commands; and transmit the aggregated/filtered data and information to one or more mobile communication devices via one or more live data feeds. The mobile communication device displays aggregated/filtered information in a single, interactive GUI.

PATENT: Ideal latency floor; US 10,325,317 B2; 6/18/2019; CPC G06Q 40/04; 24 claims; assigned to Refinitiv US Organization LLC.

ABSTRACT EXCERPT: The invention relates to a system and method for providing a latency floor for an electronic trading venue in which market participants who can respond within the value the floor and choose to compete in a specific race to make or take a price may each have a substantially equal chance of winning that race. The system may detect and distinguish individual "races" that occur on an electronic trading venue. Upon detection of the first order (or message) in such a race, the system may create a batch and a timer for that race.

PATENT: Systems and methods for financial instrument inspection; US 10,325,318 B2; 6/18/2019; CPC G06Q 40/06; 18 claims; assigned to BGC Partners Inc.

ABSTRACT: Systems and methods for user-configurable financial instrument inspection are provided. A user may select the type of financial performance information and presentation format of the financial performance information to be displayed when the user selects a particular financial instrument. The user may associate a set of financial performance information and presentation format with a particular financial market for financial instruments. The financial instrument inspector may also facilitate trading of financial instruments.

PATENT: System and method for providing a spend memory record; US 10,325,322 B2; 6/18/2019; CPC G06Q 40/128; 19 claims; assigned to Capital One Services, LLC.

FIELD: The present disclosure relates to systems and methods for providing a financial statement that includes memory-enhancing information to provide social context for a user's transaction history.

PATENT: Persistenceless business process management system and method; US 10,318,911 B1; 6/11/2019; CPC G06Q 10/067; 18 claims; assigned to JPMorgan Chase Bank, N.A.

FIELD: The invention was generally directed to an improved Business Process Management (BPM) system and more particularly, to a persistenceless BPM system capable of operating with external state and business context data stores managed by client-side applications.

PATENT: Hosted disbursement system; US 10,318,935 B2; 6/11/2019; CPC G06Q 20/10; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Systems and methods are disclosed for making disbursements to one or more consumers via a hosted disbursement system. In accordance with an embodiment, a method can comprise receiving, at a merchant service provider, a request to make a disbursement to a consumer from a merchant. The request can be received from a merchant server and include disbursement information corresponding to the disbursement.

PATENT: System for routing of process authorization and settlement to a user in process data network based on specified parameters; US 10,318,938 B2; 6/11/2019; CPC G06Q 20/10; 13 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain for routing of process authorization and settlement based on specified parameters. Embodiments receive a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; access a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; determine, using the accessed distributed ledger, one or more preferences associated with the payee of the transaction data; and route at least one of the process authorization and transaction settlement based on the accessed one or more preferences. In some cases, the preferences include a settlement routing preference and the transaction settlement is routed based on the settlement routing preference.

PATENT: System and method for providing personalized customer assistance using a financial card having an RFID device; US 10,318,940 B2; 6/11/2019; CPC G06Q 20/12; 24 claims; assigned to Capital One Services, LLC.

ABSTRACT: According to one embodiment, a method of providing personalized customer service is provided. The method includes receiving purchase information from purchases made from a merchant using a financial card affiliated with the merchant. The financial card has an associated financial account and an RFID device coupled thereto. The RFID device stores identification data identifying the customer and/or the financial account. The purchase information includes an identification of items purchased during the purchases. The method further includes causing the received purchase information to be stored in storage separate from the card as purchase history information associated with the financial account.

PATENT: Payment platform interface widget generation apparatuses, methods and systems; US 10,318,941 B2; 6/11/2019; CPC G06Q 20/12; 15 claims; assigned to Visa International Service Association.

ABSTRACT: The payment platform interface widget generation apparatuses, methods and systems ("api-tool") transforms developer credentials, codes and parameter inputs via the API-Tool component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the API-Tool may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The API-Tool may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters.

PATENT: System and method for a mobile wallet; US 10,318,943 B2; 6/11/2019; CPC G06Q 20/20; 14 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A system for payment processing using a mobile device configured to generate a unique code associated with a transaction to pay a recipient. The system further comprises mobile wallet account processing logic configured to receive the unique code and payment receipt options from a recipient. The mobile wallet account processing logic is further configured to transmit funds using an ACH network to the recipient.

PATENT: Customer identification verification process; US 10,318,957 B2; 6/11/2019; CPC G06Q 20/4014; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: An example device may include one or more processors to receive a request for a service from a requestor user device; provide transaction information associated with the service to a provider user device, where the transaction information may include location information corresponding to a location at which the service may be provided

PATENT: Computer-implemented methods, computer program products, and machines for management and control of a loyalty rewards network; US 10,318,980 B2; 6/11/2019; CPC G06Q 30/0233; 11 claims; assigned to Metabank.

ABSTRACT EXCERPT: Machines, computer program products, and computer-implemented methods to manage and control a loyalty rewards network and to provide customer loyalty rewards to a customer for purchasing goods or services. Computer program product can determine if a customer is one of the plurality of member customers enrolled in the loyalty rewards network. If the customer is not a member, the computer program product can enroll the customer in the loyalty rewards network.

PATENT: Database image matching using machine learning with output estimation; US 10,319,007 B2; 6/11/2019; CPC G06Q 30/06; 17 claims; assigned to Capital One Services, LLC.

ABSTRACT: A method for processing an image including a vehicle using machine learning can include determining a location of the client device. The method can further include receiving a first image of a vehicle from an image sensor of the client device and matching, using machine learning, the first image to one or more images of vehicles in a vehicle database to identify the vehicle. The vehicle database can list vehicles located at the determined location of the client device and images of the vehicles. The method can include retrieving vehicle information from the vehicle database, based on the identified vehicle, and obtaining comparison information based at least in part on the vehicle information. The method can include estimating a quote for the vehicle based on the comparison information and transmitting the estimated quote for display on the client device.

PATENT: Systems and methods for purchase device; US 10,319,008 B1; 6/11/2019; CPC G06Q 30/06; 18 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods for in-store purchases are provided. An exemplary method may include receiving by a customer device associated with a customer, customer data including customer preference data. The method may include storing the received customer data and identifying a merchant at a location of the customer.

PATENT: Executing terms of physical trade documents; US 10,319,025 B2; 6/11/2019; CPC G06Q 30/0633; 9 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: A system for executing terms of physical trade documents includes a document intake machine comprising a document scanner and a data extractor. The document intake machine receives a physical trade document from an entity. The document scanner may scan the physical trade document to create an electronic file of the physical trade document. The data extractor may identify trade terms from the electronic file.

PATENT: Systems and methods for automatic route re-determination for an unmanned aerial vehicle; US 10,319,030 B1; 6/11/2019; CPC G06Q 40/02; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: The present disclosure relates to systems and methods for automatically re-routing unmanned aerial vehicles (UAVs). In one implementation, a system for automatically re-routing a UAV includes at least one processor configured to: retrieve a plurality of requests to deposit currency using the UAV, generate a first route including at least two of the requests such that an associated expected total amount of currency is less than a depository threshold; transmit the first route to the UAV; receive, from the UAV, an indication that an amount of currency collected at a location is greater than an amount of currency included in the request associated with the location; revise the expected total amount accordingly; when the revised expected total amount exceeds the depository threshold, generate a second route having an associated expected total amount below the depository threshold; and transmit the second route to the UAV to override the first route.

PATENT: Coupon blending of a swap portfolio; US 10,319,032 B2; 6/11/2019; CPC G06Q 40/04; 16 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate.

PATENT: Data packet processing methods, systems, and apparatus; US 10,319,033 B2; 6/11/2019; CPC G06Q 40/04; 16 claims; assigned to Nasdaq, Inc.

ABSTRACT: The technology detects undesirable data packets. Data packets are received from multiple sources at one or more packet switches in a data communications network. The one or more packet switches route the data packets to one or more intended destination computing nodes and also transmit a copy of all the data packets received in the data communications network to a network capture device. The network capture device processes the data packets, detects financial data packets, and transmits the detected financial data packets for analysis by a risk exposure computer system that performs automatic financial risk analysis based on the detected financial data packets.

PATENT: System and method for a trading interface incorporating a chart; US 10,319,034 B2; 6/11/2019; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A graphical interface and method are provided for displaying market information corresponding to a tradable object. One graphical interface includes a chart region for displaying historical market data in relation to a first value axis, and a market grid region in alignment with the chart region. The market grid region comprises a plurality of areas for receiving commands from a user input device to send trade orders, and the areas are displayed in relation to a second value axis.

PATENT: Computerized-methods and systems for identifying duplicate entries in a database of merchant data; US 10,319,042 B2; 6/11/2019; CPC G06Q 40/12; 13 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: Systems and methods are provided for verifying and/or confirming merchant data for multiple different transactions. One method generally includes accessing merchant data for a merchant where the merchant data includes a master merchant identifier for the merchant, and querying, by a computing device, multiple users as to which of a list of merchant data entries, for multiple different transactions and including different merchant identifiers, corresponds to the master merchant identifier for the merchant. The users are associated with a location within a predefined distance of the confirmed merchant and/or have performed one or more purchase transactions at the merchant.

PATENT: System and method for electronic collaboration; US 10,311,402 B1; 6/4/2019; CPC G06Q 10/10; 28 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Systems and methods of the present invention provide for electronic collaboration between at least two computing devices. The collaboration has a plurality of applications for scenarios requiring review and signing of documents. The collaboration may be based on a loose coupling of the computing devices and may enable a coordinated collaboration. An internet connection may be used to establish and conduct the collaboration. For example, the collaboration may be used to provide interaction between a financial institution and its representative and a customer. The collaboration may be used to review documents and information.

PATENT: Method and system for providing bundled electronic payment and remittance advice; US 10,311,412 B1; 6/4/2019; CPC G06Q 20/102; 26 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: According to one embodiment, the present invention relates to a method and a system for transmitting bundled electronic payment and remittance advice for facilitating settlement of claim payments between payers (e.g., insurance companies) and providers (e.g., doctors, hospitals) or suppliers.

PATENT: By-item bill payments; US 10,311,413 B2; 6/4/2019; CPC G06Q 20/102; 21 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms.

PATENT: Automated teller machines (ATMs) having offline functionality; US 10,311,414 B1; 6/4/2019; CPC G06Q 20/1085; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data.

PATENT: Apparatus and method for monitoring security of a point-of-sale terminal; US 10,311,419 B2; 6/4/2019; CPC G06Q 20/202; 8 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: A method for monitoring security of a point-of-sale terminal involves a terminal management server receiving from the point-of-sale terminal data indicative of a violation detected by the point-of-sale terminal of one or more security parameters. The violation is indicative of a compromise of the point-of-sale terminal. The point-of-sale terminal may maintain a network connection with the terminal management server. One or more of the security parameters may include a network connectivity status of the point-of-sale terminal, and the detected violation may include a termination of the network connection.

PATENT: Systems and computer-implemented processes for providing electronic notifications; US 10,311,422 B2; 6/4/2019; CPC G06Q 20/3221; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters.

PATENT: Integrated communications network for transactions; US 10,311,426 B2; 6/4/2019; CPC G06Q 20/325; 18 claims; assigned to Visa International Service Association.

ABSTRACT: An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network. The integrated communications network may implement a location-aware network communications system that may allow a payment processor to obtain additional information about a consumer using a location-aware header of a network communication.

PATENT: Intelligent authentication; US 10,311,432 B1; 6/4/2019; CPC G06Q 20/382; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Systems, methods, and other embodiments associated with intelligent authentication. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user.

PATENT: User authentication method and device for credentials back-up service to mobile devices; US 10,311,436 B2; 6/4/2019; CPC G06Q 20/4014; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Back-up credentials data is stored for a user. A communication channel is established with a mobile device. A cryptogram is received from the mobile device, such that the cryptogram is relayed by the mobile device from an authentication device that interacted with the mobile device. The authentication device is associated with the user. The cryptogram is verified. In response to the verification of the cryptogram, the stored back-up credentials data is made accessible to the mobile device.

PATENT: Device including image with multiple layers; US 10,311,441 B2; 6/4/2019; CPC G06Q 20/409; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT: A mobile device is disclosed. The mobile device includes an image including a transactional image layer and a master image layer. The mobile device can be used to conduct transactions.

PATENT: User recognition based user experience platform; US 10,311,459 B1; 6/4/2019; CPC G06Q 30/0224; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A device may receive, from a camera device, an image that includes a person. The device may provide the image to a user recognition device and receive, from the user recognition device, a user identifier based on the person included in the image. In addition, the device may obtain user data based on the user identifier, the user data relating to prior activity relating to the person associated with the user identifier. The device may identify a user device based on a first physical location associated with the camera device and a second physical location associated with the user device, and provide the user data to the user device.

PATENT: Connected device-based property evaluation; US 10,311,511 B2; 6/4/2019; CPC G06Q 40/00; 19 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property.

PATENT: Rate and payment guide; US 10,311,512 B1; 6/4/2019; CPC G06Q 40/025; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.

PATENT: Method and system for facilitating access to recorded data; US 10,311,513 B2; 6/4/2019; CPC G06Q 40/04; 24 claims; assigned to Nasdaq Technology AB.

ABSTRACT: The present invention relates to a method and system for facilitating access to recorded data. The system comprises an interface and a processing device. The interface is arranged to receive data and the processing device is arranged to separate the received data in data subsets, compress each data subset and assign an identifier to each compressed data subset, thereby creating data units each comprising a compressed data subset and an associated identifier, the processing device further being arranged to establish an index on the basis of the assigned identifiers.

PATENT: System and method for a semi-lit market; US 10,311,515 B2; 6/4/2019; CPC G06Q 40/04; 15 claims; assigned to IEX Group, Inc.

ABSTRACT: A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may selectively disclose to, or withhold from, trade participants order book data depending on whether each participant's trade order meets a predetermined threshold price and/or threshold size or other criteria.

PATENT: Transaction processing system performance evaluation; US 10,311,516 B2; 6/4/2019; CPC G06Q 40/04; 21 claims; assigned to Chicago Mercantile Exchange.

ABSTRACT: A transaction evaluation system may include a configurable and/or scalable transaction rate input model which models historical and/or recent transaction input rate patterns of a transaction processing system for a specified time period with configurable and/or scalable transactional amplitude for use in evaluating performance of the transaction processing system. The system may operate to inject particular volumes of transactions into the transaction processing system at specific times and/or periods of time.

PATENT: Exchange-traded TBA options; US 10,311,517 B1; 6/4/2019; CPC G06Q 40/04; 2 claims.

SUMMARY: A computer-implemented method for creating, centrally clearing, and settling an option on a TBA mortgage-backed securities forward contract through a centralized trading platform and central clearinghouse that eliminates the need for delivering or exchanging the TBA mortgage-backed securities forward contract or any mortgage-backed securities upon exercise of the option.

PATENT: Order feed message stream integrity; US 10,311,518 B2; 6/4/2019; CPC G06Q 40/04; 21 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Systems, methods, and computer-readable storage media are provided for improving order feed message stream integrity. Certain embodiments provide a method including sending, by a computing device, a first data message; sending a first stop message; clearing a message stream state; and sending a second data message.

PATENT: Computerized method and system for accumulation and distribution of securities; US 10,311,519 B2; 6/4/2019; CPC G06Q 40/06; 21 claims; assigned to Interactive Brokers LLC.

ABSTRACT: Disclosed embodiments include computer-implemented methods and systems that permit a market participant to automatically trade a relatively large order block order to accumulate or distribute securities as multiple, relatively smaller, component orders based on order parameters and subject to conditions for the placing and/or execution of such component orders. The component orders may continue automatically, without the need for further intervention from the market participant, until the total quantity specified by the market participant is accumulated or distributed.

PATENT: Social media profiling for one or more authors using one or more social media platforms; US 10,304,036 B2; 5/28/2019; CPC G06Q 10/10; 19 claims; assigned to NASDAQ, Inc.

ABSTRACT EXCERPT: A system is presented that profiles authors and social media data across different media platforms and is capable of determining the author's overall social impact. In one aspect, this is accomplished by using a data retrieval service to trawl various web-sites and social media platforms for information about authors which can then be associated with those authors in a profile database.

PATENT: System and method for executing financial transactions; US 10,304,040 B2; 5/28/2019; CPC G06Q 20/065; 11 claims; assigned to Moni Limited.

CLAIM 1 PREAMBLE: A system for authenticating and executing cryptocurrency transactions.

PATENT: Method for providing a credit cardholder with multiple funding options; US 10,304,041 B2; 5/28/2019; CPC G06Q 20/08; 2 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A method and a system for providing a payment cardholder with multiple funding source options for a payment card are provided herein. First, a managing platform associates at least two funding sources with the payment card. The funding sources include a first funding source and a second funding source. Next, the first funding source is designated as a default funding source and a set of pre-defined routing rules for funding transactions made with the payment card. Then, the managing platform intercepts each transaction of the payment card and routes the transactions to an issuer funding system for the first funding source using the managing platform.

PATENT: Location-based authentication of transactions conducted using mobile devices; US 10,304,042 B2; 5/28/2019; CPC G06Q 20/202; 14 claims; assigned to Early Warning Services, LLC.

ABSTRACT EXCERPT: A transaction authentication system authenticates a transaction by determining whether a mobile device and POS device involved in the transaction are at the same location. A POS registry stores location data for POS devices. A PAN registry stores mobile device IDs corresponding to account numbers. A mobile device ID can be provided from the PAN registry in response to receiving an account number from a POS device.

PATENT: Multi-factor mobile user authentication; US 10,304,044 B2; 5/28/2019; CPC G06Q 20/3223; 20 claims; assigned to American Express Travel Related Services Company, Inc.

ABSTRACT EXCERPT: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.

PATENT: Biometric solution enabling high throughput fare payments and system access; US 10,304,045 B2; 5/28/2019; CPC G06Q 20/3224; 21 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates generally to the electronic and computer arts and, more particularly, to payment and/or access control using wireless devices and the like.

PATENT: Token generating component; US 10,304,047 B2; 5/28/2019; CPC G06Q 20/3229; 20 claims; assigned to Visa International Service Association.

ABSTRACT: The invention provides a method and system for providing financial details from a mobile device of a user for use in a transaction. The method is performed on a mobile device of the user and includes the steps of generating, on a token generating component, a session-specific token by applying an algorithm requiring a dynamic key; providing financial details for use in a transaction; incorporating the session-specific token and the financial details into a modified form the financial details; and transferring the modified form of the financial details from the mobile device to initiate the transaction. A corresponding method and system for validating financial details received, at a server of an issuing authority, is also provided.

PATENT: Enhanced merchant identification using transaction data; US 10,304,056 B1; 5/28/2019; CPC G06Q 20/40; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A system for identifying and associating merchant attributes data of a merchant with transaction data may be integrated with existing payment processing systems to provide for detailed merchant attributes data (e.g., merchant name, merchant ownership data, and merchant address data).

PATENT: Systems and methods for offering products using linked transactions; US 10,304,083 B2; 5/28/2019; CPC G06Q 20/0255; 20 claims; assigned to Capital One Financial Corporation.

SUMMARY: The disclosed embodiments may include methods, systems, and articles of manufacture configured to, for example, automatically link a physical purchase transaction to an electronic commerce purchase transaction. One disclosed embodiment may include a system for providing offers for products. The system may be configured to receive transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product.

PATENT: System and method for controlling the disclosure of a trading order; US 10,304,097 B2; 5/28/2019; CPC G06Q 30/06; 33 claims; assigned to BGC Partners, Inc.

ABSTRACT: A system for controlling the disclosure of a trading order comprises a memory and a processor. The memory stores disclosure policies associated with market centers. The processor receives a trading order for a trading product that specifies a total quantity of the trading product and a maximum disclosure quantity of the trading product. The trading order is associated with a particular market center. The processor then routes the trading order to the particular market center according to the disclosure policy associated with the particular market center.

PATENT: Age verification through mobile wallet method and apparatus; US 10,304,101 B2; 5/28/2019; CPC G06Q 30/0607; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system, method, and computer-readable storage medium configured to verify minimum age of accountholders, to enable age restrictions on purchases.

PATENT: Communication device including multi-part alias identifier; US 10,304,127 B2; 5/28/2019; CPC G06Q 40/00; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Methods and systems are disclosed for allowing financial transactions to be conducted using consumer devices. In some embodiments, the consumer device is a mobile communication device, such as a mobile phone. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. The aliases, in turn, are comprised of multiple parts. Each part of the alias may identify a relevant aspect of the transaction.

PATENT: Systems and methods of detecting manipulations on a binary options exchange; US 10,304,130 B2; 5/28/2019; CPC G06Q 40/04; 20 claims; assigned to Cantor Futures Exchange, L.P.

ABSTRACT: Methods, apparatuses and article of manufactures for receiving a plurality of bids and offers for a binary options transaction. Each bid and offer comprises a quantity and a price. At least one rule is applied to the plurality of received bids and offers. At least one of the plurality of bids and offers is determined to be potentially manipulative. An alert that the at least one bid or offer is potentially manipulative is transmitted.

PATENT: System and method for simulating an electronic trading environment; US 10,304,131 B2; 5/28/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Market data is recorded from a real live exchange. The recording data can be played back in real time or delayed, in any manner, to simulate the recorded market. Moreover, one or more users can participate in the simulated market just as if they were participating in a real-live market. The system provides a realistic trading environment without the associated risks of trading in a live-market such as losing money and the cost of making trades. The system may be used for training purposes and for purposes of testing and analyzing various trading strategies.

PATENT: Auctioning mechanisms for dark order block trading; US 10,304,132 B2; 5/28/2019; CPC G06Q 40/04; 18 claims; assigned to NYSE Euronext Holdings LLC.

ABSTRACT: Auctioning mechanisms adapted to improve the integrity of dark order block trading is provided.

PATENT: Distribution of market data; US 10,304,133 B2; 5/28/2019; CPC G06Q 40/04; 20 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT: Systems and methods are provided for communicating and processing market data. The market data may comprise quotes, orders, trades and/or statistics. A messaging structure allows for adding, re-ordering and/or expanding data, within the printable character set of any language. One or more delimiters are defined and used to delimit data elements within the message structure. The data is interpreted based on templates which may be disseminated prior to the sending of messages and used as an abstraction so that the meaning of data need not be conveyed in the message.

PATENT: Charting multiple markets; US 10,304,134 B2; 5/28/2019; CPC G06Q 40/04; 20 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: The present embodiments relate to charting multiple markets. In some embodiments, charting multiple markets may include receiving market data for a plurality of tradeable objects. The plurality of tradeable objects may include an anchor object and at least one non-anchor object. The market data may include anchor object price data for the anchor object and non-anchor price data for the at least one non-anchor object. The non-anchor object price data may be converted based on the anchor object price data such that converted non-anchor object price data has a price scale of the anchor object price data. The anchor object price data and the non-anchor object price data may be displayed along a normalized price axis.

PATENT: Method and system for constructing approximate minimum variance portfolios;

US 10,304,136 B1; 5/28/2019; CPC G06Q 40/06; 30 claims; assigned to Genesis Financial Development, Inc.

SUMMARY: A multi-step method for constructing minimum variance portfolios.

PATENT: Multicomputer processing of client device request data using centralized event orchestrator and link discovery engine; US 10,296,882 B2; 5/21/2019; CPC G06Q 20/16; 20 claims; assigned to Bank of America Corporation.

SUMMARY: Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome the technical problems associated with providing information security and optimizing the efficient and effective technical operations of computer systems. In particular, one or more aspects of the disclosure provide techniques for processing client device request data using multicomputer processing as well as a centralized event orchestrator and a link discovery engine to improve information security and enhance technical performance.

PATENT: Systems and methods for driver authentication through embedded sensing; US 10,296,883 B2; 5/21/2019; CPC G06Q 20/18; 20 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface.

PATENT: Extended-length payment account issuer identification numbers; US 10,296,885 B2; 5/21/2019; CPC G06Q 20/20; 9 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal. The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.

PATENT: Multi-account card; US 10,296,888 B2; 5/21/2019; CPC G06Q 20/22; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

PATENT: Tokenizing a primary account number prior to transmission to a terminal; US 10,296,901 B1; 5/21/2019; CPC G06Q 20/3672; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

PATENT: Method and system for correlating diverse transaction data; US 10,296,904 B2; 5/21/2019; CPC G06Q 20/385; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data.

PATENT: Systems and methods for initiating and authorizing transactions using a detectable device; US 10,296,906 B1; 5/21/2019; CPC G06Q 20/40; 16 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account.

PATENT: System and method for a mobile wallet; US 10,296,930 B1; 5/21/2019; CPC G06Q 30/0215; 22 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service.

PATENT: Systems and methods for providing balance notifications; US 10,296,972 B2; 5/21/2019; CPC G06Q 40/02; 26 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user.

PATENT: Financial information exchange (FIX) protocol based load balancing; US 10,296,973 B2; 5/21/2019; CPC G06Q 40/04; 5 claims; assigned to Fortinet, Inc.

SUMMARY: Embodiments of the present invention generally relate to executing financial transactions. In particular, various embodiments relate to methods and systems for reducing latency in executing financial transactions by efficiently allocating sessions through load balancing to servers.

PATENT: Methods and systems for monitoring market data to identify user defined market conditions; US 10,296,974 B2; 5/21/2019; CPC G06Q 40/04; 20 claims; assigned to FTEN, Inc.

ABSTRACT: Methods and systems for monitoring market data are disclosed. Real time data is collected that is related to conditions of a trading market. Collection occurs at an edge server associated with a liquidity destination trading at least one financial article of trade. The real time data that is collected can also be normalized if desired into a standard form. A user defined criteria is received from a centralized hub. The user defined criteria defines a particular event in the condition. It is then determined when a condition in the trading market matches the event. A response is generated providing notification of the occurrence of the event. The response is sent to the centralized hub for distribution to a user associated with the user defined criteria.

PATENT: Virtualizing for user-defined algorithm electronic trading; US 10,296,975 B2; 5/21/2019; CPC G06Q 40/04; 17 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Certain embodiments reduce the risks of traditionally programmed algorithms such as syntax errors, unclear logic, and the need for a non-trader programmer to develop the algorithm as specified by a trader by reducing or eliminating the writing of programming code by a user. Certain embodiments provide a design canvas area and blocks for designing an algorithm. Certain embodiments provide for grouping blocks placed in the design canvas area. Certain embodiments provide for virtualized group blocks enabling dynamic instantiation of portions of an algorithm to handle particular discrete events. Certain embodiments provide for operation of some or all portions of an algorithm when a connection between a client device and an algorithm server is broken.

PATENT: Method of associating a customer’s mobile computer device with an order for goods and/or services taken by a waiter in a merchant’s venue; US 10,289,994 B2; 5/14/2019; CPC G06Q 20/3224; 20 claims; assigned to MasterCard Asia/Pacific PTE, LTD.

FIELD: The present invention relates to a method of associating a customer's mobile computer device with an order for goods and/or services taken by a waiter in a merchant's venue.

PATENT: Carrier assisted mobile phone on-line payment; US 10,289,995 B1; 5/14/2019; CPC G06Q 20/3226; 20 claims; assigned to Sprint Communications Company L.P.

ABSTRACT EXCERPT: A server hosting an electronic shopping application comprises a processor, a memory, and an application stored in the memory that receives a request for electronic shopping content from a mobile communication device, confirms the mobile communication device receives service from a participating wireless provider, routes the request through an internet gateway of the wireless provider, and receives a request to buy an item from the mobile communication device.

PATENT: Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions; US 10,289,996 B2; 5/14/2019; CPC G06Q 20/3227; 20 claims; assigned to Apple Inc.

ABSTRACT EXCERPT: Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future.

PATENT: RFID-based smart terminal, bank card and financial management system; US 10,289,998 B2; 5/14/2019; CPC G06Q 20/341; 19 claims; assigned to Huizhou TCL Mobile Communication Co., Ltd.

ABSTRACT: An RFID-based smart terminal, bank card and financial management system are disclosed. The smart terminal comprises a first RFID antenna, a sensor switch and a processor. The first RFID antenna is configured to receive RFID signals. The sensor switch is configured to, when sensing the approach of an RFID signal source, activate the first RFID antenna directly or through the processor so as to enable RFID function. The smart terminal according to the present disclosure can, when sensing the approach of the RFID signal source, trigger the first RFID antenna a to be activated, and can effectively reduce the power consumption and save energy.

PATENT: System and method for secured account numbers in proximity devices; US 10,289,999 B2; 5/14/2019; CPC G06Q 20/385; 20 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed.

PATENT: Predicting refund processing time; US 10,290,002 B1; 5/14/2019; CPC G06Q 20/407; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may obtain historical refund data, the historical refund data including at least one of: merchant refund time data, shipping time data, or user account refund time data. The device may generate, based on the historical refund data, a refund model, the refund model being trained to receive, as input, at least one of: merchant data identifying a merchant, shipping data identifying a shipping entity, or account data identifying a user account entity.

PATENT: Systems and methods for secure mobile transactions; US 10,290,003 B1; 5/14/2019; CPC G06Q 20/4097; 16 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: Systems and methods for secure mobile transactions are disclosed. In one embodiment, a payment system may include an acquirer portion, an issuer portion, and a mobile electronic device associated with a customer comprising at least one computer processor executing a computer application. The issuer portion and the acquirer portion may be associated with or under the control of a financial institution or a processing partner of the financial institution. An issuer computer processor for the issuer portion may receive over first network and from the mobile payment application, authentication information and location information for the mobile electronic device.

PATENT: Systems and methods to communicate with users via social networking sites; US 10,290,018 B2; 5/14/2019; CPC G06Q 30/0255; 15 claims; assigned to Visa International Service Association.

ABSTRACT: In one aspect, a computing apparatus is configured with a configurable, generic, data-driven model, in which properties of social networking sites/applications are stored and used in communicating offer-related messages via social networking sites.

PATENT: Savings system based on cent portion of transaction amount; US 10,290,051 B1; 5/14/2019; CPC G06Q 40/00; 32 claims; assigned to The PNC Financial Services Group, Inc.

ABSTRACT: A computer-assisted method for an automatic savings plan. The method includes calculating a savings amount from a cent amount of each of a plurality of transactions. The method also includes transferring the savings amount from a first account to at least one receiving account.

PATENT: ATM exception processing system and method; US 10,290,052 B1; 5/14/2019; CPC G06Q 40/00; 8 claims; assigned to JPMorgan Chase Bank, N.A.

SUMMARY: In one aspect of the invention, a computer-implemented ATM exception processing method is provided for facilitating completion of ATM deposit transactions upon occurrence of an exception. The method comprises implementing one or more computer processors for performing steps including detecting, at an ATM monitoring system, the occurrence of an exception in response to a transaction involving a deposited check and transmitting transaction information associated with the exception transaction from the ATM monitoring system to a transaction reconstruction system.

PATENT: Systems and methods for performing scoring optimization; US 10,290,054 B2; 5/14/2019; CPC G06Q 40/025; 16 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination.

PATENT: Computer-implemented matching method and engine; US 10,290,056 B2; 5/14/2019; CPC G06Q 40/04; 16 claims; assigned to Deutsche Borse AG.

ABSTRACT EXCERPT: A computer implemented method and system for publishing best public limits and corresponding quantity and for matching an incoming outright order against price best match limits at corresponding quantities during the continuous trading phase is provided.

PATENT: System and method for portfolio synchronization; US 10,290,057 B2; 5/14/2019; CPC G06Q 40/04; 5 claims; assigned to SoVesTech, Inc.

ABSTRACT: A system and method for automated securities portfolio synchronization is provided. The system includes a lead trader account database, a follower account database, and a trade determination system. A follower provides a lead trader identification which is used to retrieve a lead trader portfolio from the lead trader account database for display to the Follower. The contents of the lead trader portfolio are compared to securities already owned by the follower and to a list of securities not to be purchased that is retrieved from the follower account database. The follower may then make adjustments to the lead trader portfolio and synchronize their portfolio to that of the lead trader.

PATENT: Dynamic portfolio simulator tool apparatuses, methods and systems; US 10,290,059 B2; 5/14/2019; CPC G06Q 40/06; 9 claims; assigned to FMR LLC.

SUMMARY: The Dynamic Portfolio Simulator Tool Apparatuses, Methods and Systems (DPST) transforms market assumptions, constraints inputs, via DPST components (e.g., index data collector, index processing, portfolio composite calculator, widget customization, dynamic portfolio simulation, dynamic user interface, etc.), into asset allocation record, portfolio allocation and graphic presentation outputs.

PATENT: Payroll system with flexible disbursement options; US 10,290,061 B2; 5/14/2019; CPC G06Q 40/125; 1 claim; assigned to MasterCard International Incorporated.

ABSTRACT: A method includes storing payroll information for an employee of an employer. The payroll information may include the employee's name, address, electronic contact information, etc. A payroll service computer may receive an indication from an employer that the computer is to make a payroll disbursement to the employee. The computer may present disbursement options to the employee. The employee may select one of the disbursement options. The computer may initiate the payroll disbursement in accordance with the option selected by the employee.

PATENT: Mainframe workflow manager system and method; US 10,282,690 B1; 5/7/2019; CPC G06Q 10/0633; 23 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to a computer implemented web based unified workflow management system and method for reducing complexity and building repeatable mainframe workflows by creating and managing workflow tasks associated with at least one mainframe workflow.

PATENT: Dynamic employee security risk scoring; US 10,282,702 B2; 5/7/2019; CPC G06Q 10/10; 8 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention relate to systems, methods, and computer program products that provide for an employee security risk score. The security risk score is presented as an extensible composite vector that supports an arbitrary number of risk categories. The risk categories can be aggregated at any level in the business hierarchy or according to any employee parameter.

PATENT: Processor issuer detection and user level stand-in authorization; US 10,282,709 B2; 5/7/2019; CPC G06Q 20/02; 20 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.

PATENT: Selective authorization method and system; US 10,282,710 B2; 5/7/2019; CPC G06Q 20/027; 15 claims; assigned to Visa International Service Association.

ABSTRACT: Embodiments of the invention generally relate to mobile payments. For example, an application running on a phone can verify a passcode of a consumer. An indication of whether the passcode was verified and a time associated with when the passcode was verified is then sent to a mobile gateway. Later, when a user conducts one or more transactions, a payment processing network can use the indication sent to the mobile gateway to determine whether a the one or more transactions were conducted within a time window, which can be used to authorize the one or more transactions.

PATENT: System and method for implementing hybrid public-private block-chain ledgers; US 10,282,711 B2; 5/7/2019; CPC G06Q 20/0655; 41 claims; assigned to The Toronto-Dominion Bank.

ABSTRACT EXCERPT: The disclosed embodiments include computerized systems and methods that generate secured distributed storage ledger structures, such as block-chain-based ledger structures, that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a centralized authority of the secured distributed storage ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured distributed storage ledger using a confidentially-held master cryptographic key.

PATENT: Integrated electronic disbursement and cash flow management system and method; US 10,282,712 B2; 5/7/2019; CPC G06Q 20/10; 33 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps.

PATENT: Systems and methods for point of sale deposits; US 10,282,715 B2; 5/7/2019; CPC G06Q 20/108; 20 claims; assigned to Capital One Services, LLC

ABSTRACT EXCERPT: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information.

PATENT: Smart chaining; US 10,282,716 B1; 5/7/2019; CPC G06Q 20/1085; 21 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine and includes a transaction card type. Using the identification information, activity profile information is accessed for the account holder. The account holder's transaction machine usage is monitored and activity profile information related to the account holder's transaction machine usage is stored. A custom sequence of user interfaces to be displayed to the account holder is generated based on the transaction card type.

PATENT: Card-less financial transaction; US 10,282,717 B1; 5/7/2019; CPC G06Q 20/1085; 20 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT: Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an `electronic wallet` account based upon a pre-set range or otherwise. Accordingly, access to the `electronic wallet` is granted or denied based upon responses to challenges presented.

PATENT: Mobile device, method, and computer storage medium for determining an order of stored data items/payment account numbers based on location; US 10,282,723 B2; 5/7/2019; CPC G06Q 20/3224; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: The mobile application is configured to: communicate the location of the mobile device, using the communication device, to the at least one server over internet; determine, via communications with the at least one server based on the location of the mobile device, an order of data items; and communicate, using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.

PATENT: Security system incorporating mobile device; US 10,282,724 B2; 5/7/2019; CPC G06Q 20/3227; 13 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: In some embodiments, a first server computer may be provided. The first server computer may comprise a processor and a computer readable medium coupled to the processor. The computer readable medium may include code executable by the processor for implementing a method. The method may include the step of electronically receiving an authorization request message that includes a first device verification value from a merchant for a first transaction, where the first device verification value may have been received by the merchant from a mobile device based on an interaction between the mobile device and an access device.

PATENT: Systems and methods for domain restriction with remote authentication; US 10,282,726 B2; 5/7/2019; CPC G06Q 20/38215; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A process for combining domain restriction and remote authentication may include receiving a token from a plug-in application to conduct a transaction associated with a user of a communicating device.

PATENT: Methods, apparatus and media for use in association with identification token and/or in docking; US 10,282,729 B2; 5/7/2019; CPC G06Q 20/4016; 30 claims; assigned to

MasterCard International Incorporated.

ABSTRACT EXCERPT: In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device.

PATENT: Systems and methods for wardrobe management; US 10,282,772 B2; 5/7/2019; CPC G06Q 30/0631; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide a virtual wardrobe management system. The system may store wardrobe data associated with a plurality of garments. The system may then receive input data indicative of a garment selection. The system may identify the garment based on the input data received. The system may then generate a garment recommendation based on the selected garment and the stored wardrobe data and provide an indication of the recommendation to a computing device.

PATENT: Systems and methods for scheduling and tracking account activity; US 10,282,780 B1; 5/7/2019; CPC G06Q 40/02; 7 claims; assigned to The PNC Financial Services Group, Inc.

ABSTRACT: A computer-assisted method for alerting a user of a potential negative balance condition in a financial account. The method includes estimating a future account balance of the financial account and determining whether the future account balance will be a negative value. The method also includes generating for display, in a graphical format, an alert to the user that signifies when the future account balance is the negative value.

PATENT: Distributed spreading tools and methods; US 10,282,782 B2; 5/7/2019; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Certain embodiments provide systems, methods, and apparatus for trading in a distributed server architecture. An example method includes receiving, by a computing device, a definition for a trading strategy, wherein the trading strategy includes a first tradeable object and a second tradeable object. The example method includes selecting, by the computing device, a first server to process one or more trade orders for the first tradeable object and a second server to process one or more trade orders for the second tradeable object. The example method includes sending, by the computing device, the definition for the trading strategy to the first server and the second server.

PATENT: System and method for processing a trade order; US 10,282,783 B2; 5/7/2019; CPC G06Q 40/04; 25 claims; assigned to Intercontinental Exchange, Inc.

ABSTRACT: A method for processing a trade order includes a computer receiving a market data for a financial asset, receiving pricing parameters and receiving proposed order quantity and price data. The method further includes constructing, by a computer, proposed trades based on the proposed order quantity and price data. The method further includes calculating, by a computer, a theoretical price for the financial asset based on the market data, pricing parameters as well as the proposed order price data. The method further includes comparing the constructed trades with the theoretical price. The method further includes displaying market data indicators relative to the theoretical price indicators based on the performed comparison.

PATENT: Global investment grade for natural and synthetic gems used in financial investments and commercial trading and method of creating standardized baskets of gems to be used in financial and commercial products; US 10,282,784 B2; 5/7/2019; CPC G06Q 40/04; 9 claims; assigned to GemShares LLC.

ABSTRACT EXCERPT: A process to create a fungible global standard for diamonds and gemstones. The process involves grouping diamonds in an investment standard according to their gemological, proportional, optical and light behavior characteristics. Diamonds that conform to the investment grade standard are interchangeable within a specific size range according to an equivalent monetary bundling process.

PATENT: Waterfall prioritized payment processing; US 10,275,745 B2; 4/30/2019; CPC G06Q 20/102; 33 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT EXCERPT: The invention comprises a system and method for "waterfall" type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied.

PATENT: Selecting a transaction card for a transaction based on characteristics of the transaction; US 10,275,755 B2; 4/30/2019; CPC G06Q 20/227; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: An example electronic wallet device may include a plurality of card slots configured to hold transaction cards, each card slot, of the plurality of card slots, including a card reader, and the plurality of card slots holding at least two transaction cards; and one or more processors to receive transaction information associated with a transaction at a transaction terminal, select a transaction card, of the at least two transaction cards based on the received transaction information, and/or provide a transaction token, associated with the selected transaction card to be used in connection with the transaction terminal to process the transaction.

PATENT: Mobile subscriber device for financial transaction tokens; US 10,275,762 B2; 4/30/2019; CPC G06Q 20/353; 15 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal).

PATENT: Systems and methods for activating account card functions based on physical device interactions; US 10,275,763 B2; 4/30/2019; CPC G06Q 20/354; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for activating a function of an account card based on physical devices interactions such as a motion pattern detected by the account card. In some embodiments, the account card may include one or more sensors and processing capabilities sufficient to store a motion pattern, detect a motion pattern representing movement of the account card, compare the detected motion pattern to the stored motion pattern, and activate one or more functions of the account card based on the comparison.

PATENT: Transaction data tokenization; US 10,275,764 B2; 4/30/2019; CPC G06Q 20/36; 9 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A system and method of tokenizing sensitive cardholder payment information for use in cashless transactions includes receiving a request to process a cashless transaction between a merchant and a purchaser using first payment data stored with an electronic wallet provider on behalf of the purchaser. First payment data is retrieved from the electronic wallet provider. The first payment data is tokenized into a payment token, and provided to the merchant for use in completing the cashless transaction.

PATENT: Method and system for generating cryptograms for validation in a webservice environment; US 10,275,767 B2; 4/30/2019; CPC G06Q 20/3829; 10 claims; assigned to MasterCard International Incorporated.

SUMMARY: The present disclosure relates to the generation of cryptograms in a webservice environment, specifically the use of multiple computing environments to facilitate the generation of cryptograms in a computing environment outside of a consumer computing device.

PATENT: Illustration to conduct an expedited electronic transaction; US 10,275,769 B2; 4/30/2019; CPC G06Q 20/401; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: A method to display an illustration to conduct an expedited electronic transaction is provided. Consumer identification information identifying a consumer is received. The consumer identification information is stored in association with a web browser of a consumer's device. A customized illustration is displayed based on the received consumer identification information on the consumer's device. A request is received for the expedited electronic transaction by swiping the customized illustration across a portion of the display of the consumer's device.

PATENT: Communication protocols for processing an authorization request in a distributed computing system; US 10,275,770 B2; 4/30/2019; CPC G06Q 20/401; 20 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers.

PATENT: Network of trust; US 10,275,771 B1; 4/30/2019; CPC G06Q 20/401; 12 claims; assigned to Capital One Services, LLC.

CLAIM 1: The Preamble of claim 1 recited a system configured to process secure transactions. The last clause of the claim recited, based on the adjusted security score, applying a fraud model test to the transaction, wherein the transaction is processed in response to passing the fraud model test or denied in response to failing the fraud model test.

PATENT: Cryptocurrency risk detection system; US 10,275,772 B2; 4/30/2019; CPC G06Q 20/4016; 17 claims; assigned to Bank of America Corporation.

ABSTRACT: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.

PATENT: Centralized compliance assessment tool; US 10,275,777 B2; 4/30/2019; CPC G06Q 30/018; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Systems, computer program products, and methods are described herein for a centralized compliance assessment tool. The present invention is configured to deploy a compliance assessment application to be executed in parallel on one or more applications.

PATENT: Method and apparatus for sending a rebate via electronic mail over the internet; US 10,275,780 B1; 4/30/2019; CPC G06Q 30/02; 34 claims; assigned to JPMorgan Chase Bank, N.A.

ABSTRACT: A method and apparatus are disclosed for transferring money representing a rebate from a retailer or manufacturer to a customer/recipient via an electronic mail message over a computer network such as the Internet.

PATENT: Systems, methods and computer readable medium for wireless solicitations; US 10,275,787 B2; 4/30/2019; CPC G06Q 30/0215; 19 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider.

PATENT: Hidden money folders; US 10,275,826 B1; 4/30/2019; CPC G06Q 40/00; 13 claims; assigned to The PNC Financial Services Group, Inc.

ABSTRACT: A computer-assisted method for segregating funds within an existing financial account by a user of the account. The method includes creating at least one separate folder that is hidden from the user and allocating a user-specified amount of funds to the separate folder from the existing financial account. The method also includes transferring an amount of funds from the separate folder to the existing financial account upon occurrence of a user-specified goal.

PATENT: Electronic spread trading tool; US 10,275,829 B2; 4/30/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A versatile and efficient electronic spread trading tool to be used when buying and selling comparable commodities either simultaneously or in conjunction with one another.

PATENT: In-line FIX packet translator; US 10,275,830 B2; 4/30/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: Certain embodiments provide systems and methods to perform in-line translation of message content according to FIX protocol variants in a trading system. An example method includes receiving, at a computing device, a message formatted according to a FIX protocol, the message including message content and a message wrapper, the message wrapper providing session and delivery information for the message to a target. The example method includes performing in-line translation of the message content of the received message to adjust the message content according to a predefined set of rules without affecting the message wrapper (with the possible exception of the message size) and message routing session.

PATENT: System implementing smart beta factor deposition based on assets in existing portfolio; US 10,275,831 B2; 4/30/2019; CPC G06Q 40/06; 17 claims; assigned to Bank of America Corporation.

SUMMARY: The present invention embraces a smart beta factor deposition system for constructing an investment portfolio based on assets in an existing portfolio. The smart beta factor deposition system typically includes a processor, a memory, and a module stored in the memory to utilize securities from an existing portfolio to build a new investment portfolio based on the smart beta factor deposition system.

PATENT: System for and method for comprehensive sales and service metric reporting; US 10,275,835 B2; 4/30/2019; CPC G06Q 40/12; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system and method in accordance with example embodiments for comprehensive sales and service data reporting. Sales and service events that take place at a front end branch of an enterprise may be input into a front end system and transmitted to a backend system where various modules then use the front end system data to generate various data and reports to display various data, such as, for example, sales incentive metrics and key performance indicators.

PATENT: System and method for automated optimization of financial assets; US 10,268,995 B1; 4/23/2019; CPC G06Q 20/10; 13 claims; assigned to Six Trees Capital LLC.

ABSTRACT: A financial management network is disclosed for optimizing interest return and/or deposit insurance coverage among a plurality of online accounts that may include one or more savings accounts and a checking account, by automatically allocating and transferring funds among the accounts without intervention of the account holder, in accordance with constraints that may be set by the financial management network, account holder, the account holder's financial advisor, and/or imposed by the associate financial institutions holding the accounts.

PATENT: Methods and systems for providing payment cards; US 10,269,008 B2; 4/23/2019; CPC G06Q 20/354; 8 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system and method of activating a payment card for use by a user are provided, wherein a processor associated with a network node is operated to: receive an indication of an identity of the payment card; associate the payment card identity with a first payment rule; receive registration information pertaining to the user; and responsive to determining that the registration information meets a predefined criterion, operating the processor to associate the payment card identity with a second payment rule different to the first payment rule.

PATENT: Configuring a plurality of security isolated wallet containers on a single mobile device; US 10,269,011 B2; 4/23/2019; CPC G06Q 20/3829; 20 claims; assigned to MasterCard

Mobile Transactions Solutions, Inc.

SUMMARY: The methods and systems of a multi-tier mobile transaction platform for secure personalized transactions in a multi-domain ecosystem generally relates to mobile transaction processing security.

PATENT: Registration method and system for secure online banking; US 10,269,013 B2; 4/23/2019; CPC G06Q 20/40; 18 claims; assigned to Barclays Services Limited.

ABSTRACT EXCERPT: In an exemplary embodiment, a method of registering online payment transaction details in an online banking system is described, the method comprising receiving data associated with an online payment transaction from a user, and storing data defining the online payment transaction after verifying the user's identity.

PATENT: Automated contactless access device location system and method; US 10,269,014 B2; 4/23/2019; CPC G06Q 20/40; 15 claims; assigned to Visa International Service Association.

ABSTRACT: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.

PATENT: Dual biometric automatic teller machine (“ATM”) session initialization having single in-line session maintenance; US 10,269,016 B2; 4/23/2019; CPC G06Q 20/40145; 9 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Systems and methods for authenticating a user's identity at an ATM are provided. One method may include capturing at least a portion of user's facial information using a facial recognition camera. The method may also include receiving information using an additional biometric scanner. The method may further include using one or more device handlers to receive information related to the captured portion of the user's facial information from the facial recognition camera and to receive information related to the additional biometric scanner.

PATENT: Transaction confirmation and authentication based on device sensor data; US 10,269,017 B1; 4/23/2019; CPC G06Q 20/40145; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction.

PATENT: Payment account identifier system; US 10,269,018 B2; 4/23/2019; CPC G06Q 20/4016; 19 claims; assigned to Visa International Service Association.

ABSTRACT: A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.

PATENT: Providing remote video assistant-specific availability details for previously contacted remote video assistants; US 10,269,049 B2; 4/23/2019; CPC G06Q 30/0281; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: The present invention relates to determining and presenting, in conjunction with video assistant selection, personalized, remote video assistant-specific availability information for remote video assistants that a user has transacted/interacted with in the past. Once a user logs in or otherwise presents identifying credentials, the system or methodology accesses the user's recent remote video assistant session data (i.e., which video assistants the user previously transacted with) and determines the availability of the previously contacted video assistants.

PATENT: Anonymous block trade matching system; US 10,269,061 B2; 4/23/2019; CPC G06Q 30/08; 17 claims; assigned to Instinet Europe Limited.

ABSTRACT EXCERPT: An anonymous block trade matching system which allows users that wish to cross large blocks of stock to submit orders, or indications of interest, with the option of utilizing market peg benchmarks or future price cross benchmarks.

PATENT: Systems and methods for managing a loan application; US 10,269,063 B2; 4/23/2019; CPC G06Q 40/025; 12 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions.

PATENT: Auctioning mechanisms for dark order block trading; US 10,269,067 B2; 4/23/2019; CPC G06Q 40/04; 20 claims; assigned to NYSE Euronext.

CLAIM 1 PREAMBLE: A computer-implemented method of preventing information leakage while initiating and conducting an auction, said method implemented by one or more special-purpose processing devices.

PATENT: System and method for matching users in a wireless communication system; US 10,269,068 B1; 4/23/2019; CPC G06Q 40/04; 20 claims; assigned to Barter Securities, Inc.

ABSTRACT: A method for responding to order flow is disclosed. The method comprises establishing for a market maker a rule for automatically generating a contra order in response to an order. The rule comprises at least one condition comprising at least one characteristic describing the order. The at least one condition allowing matching based on a security in the order is in a security list specified by the market maker. The method further comprises receiving from a trader the order; matching on the computer the order to the at least one condition of the rule; automatically generating the contra order in response to the order, if the rule is satisfied; and providing the contra order for acceptance.

PATENT: Consolidated price level expansion; US 10,269,072 B2; 4/23/2019; CPC G06Q 40/04; 12 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: Certain embodiments provide consolidated price level expansion. Data associated with the individual price levels represented by a consolidated price level is expanded and provided through an expanded consolidated price level interface. In certain embodiments, the expanded consolidated price level interface includes a pop-up interface. In certain embodiments, the expanded consolidated price level interface includes an in-line interface. In certain embodiments, an order may be entered using the expanded consolidated price level interface.

PATENT: Systems and methods for interpreting exchange data packets using a lookup table; US 10,269,073 B1; 4/23/2019; CPC G06Q 40/04; 29 claims; assigned to Arbitrage Technologies.

SUMMARY: One aspect of the present disclosure provides a computer implemented method for interpreting exchange data packets using a lookup table. The method comprises an electronic exchange operated on a first computer system. The electronic exchange is implemented in accordance with a first exchange protocol. The first exchange protocol includes a plurality of exchange elements (e.g., options exchange elements or futures exchange elements).

PATENT: Utilizing machine learning to generate augmented reality delivery instructions for delivering an item to a location; US 10,262,290 B1; 4/16/2019; CPC G06Q 10/083; 20 claims; assigned to Capital One Services, LLC.

SUMMARY: According to some implementations, a device may include one or more memories, and one or more processors, communicatively coupled to the one or more memories, to receive delivery information indicating instructions for delivery of an item at a location, wherein the delivery information may include an image of the location with a designated point for delivering the item.

PATENT: Methods and systems for applying a rewards program promotion to payment transactions; US 10,262,303 B2; 4/16/2019; CPC G06Q 20/02; 26 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder.

PATENT: Systems and methods for remote deposit of checks; US 10,262,305 B1; 4/16/2019; CPC G06Q 20/042; 23 claims; assigned to USAA.

ABSTRACT: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

PATENT: System and method for intraday netting payment finality with supplemental funding; US 10,262,306 B2; 4/16/2019; CPC G06Q 20/10; 22 claims; assigned to The Clearing House Payments Company LLC.

ABSTRACT EXCERPT: A system and method are disclosed for continuous intraday final settlement of payment orders among a plurality of participants, each participant having facilities configured to electronically send and receive the payment orders in the form of payment messages. Primary positions, corresponding to balances in a prefunded balance account, are stored. Supplemental positions, corresponding to balances in the prefunded balance account, are stored. Payment messages are received from sending participants.

PATENT: Cardless challenge systems and methods; US 10,262,308 B2; 4/16/2019; CPC G06Q 20/12; 17 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis.

PATENT: Multi-account card; US 10,262,313 B2; 4/16/2019; CPC G06Q 20/22; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

PATENT: System and method for enabling a mobile communication device to operate as a financial presentation device; US 10,262,314 B2; 4/16/2019; CPC G06Q 20/3226; 25 claims; assigned to Visa U.S.A. Inc.

ABSTRACT EXCERPT: A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD.

PATENT: Automatically activating a transaction card by detecting a change associated with a package that carries the transaction card; US 10,262,319 B1; 4/16/2019; CPC G06Q 20/354; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A first device may be implemented within a package that is for transporting a second device requiring activation. The first device may determine whether the package has been opened based on whether a trigger condition has been satisfied. The trigger condition may be satisfied when a value identifying an amount of an electrical property of a conductive structure sealing the package satisfies a first threshold value or when a value identifying an amount of a measurable property associated with the package satisfies a second threshold value.

PATENT: System and method of managing data injection into an executing data processing system; US 10,262,323 B2; 4/16/2019; CPC G06Q 20/4016; 6 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system and method of modifying an execution of a processing system during runtime are provided. The method uses a computing device having at least one processor and at least one memory device and includes receiving an indication of data or instructions being available for modifying the execution of the processing system during runtime, determining at least one data element associated with the indication of data or instructions, generating metadata based on at least one of the indication and the determined at least one data element, and periodically executing a job, the job reads the metadata and modifies a workflow of the processing system based on the metadata.

PATENT: Anti-skimming card reader computing device; US 10,262,326 B1; 4/16/2019; CPC G06Q 30/0185; 20 claims; assigned to Wells Fargo Bank, N.A.

SUMMARY: In general, this disclosure describes an anti-skimming computing device configured to detect a presence of a skimming device affixed over a card reader component of the computing device. The anti-skimming computing device may be an automatic teller machine (ATM), a "pay at the pump" gas station terminal, a "self-checkout" store terminal, or another computing device having a card reader. According to the techniques described in this disclosure, the anti-skimming computing device uses a two-stage process to detect the presence of a skimming device affixed over a card reader component that includes the card reader of the anti-skimming computing device.

PATENT: Integrated internet banking system and method of use; US 10,262,332 B2; 4/16/2019; CPC G06Q 30/0226; 13 claims; assigned to San Diego County Credit Union.

ABSTRACT EXCERPT: As part of an integrated banking platform, an internet banking platform includes a banking server, a processor, and a memory module. The memory module includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the banking server to receive access to a rewards program server associated with a rewards account platform. Further, the server is caused to receive enrollment information associated with a user, and to connect to the rewards program server.

PATENT: Merchant continuity correction using cardholder loyalty information; US 10,262,358 B2; 4/16/2019; CPC G06Q 40/00; 12 claims; assigned to MasterCard International Incorporated.

ABSTRACT EXCERPT: A computer-implemented method of maintaining continuity of transaction data associated with a merchant within a payment card network includes identifying new merchant IDs and associated new merchant information from a database, the new merchant IDs and associated new transactions generated after a predetermined timestamp; and identifying discontinued merchant IDs and associated discontinued merchant information from the database, the discontinued merchant IDs associated only with older transactions generated before the predetermined timestamp and thus appearing to have been discontinued after the predetermined timestamp.

PATENT: Financial status display; US 10,262,359 B2; 4/16/2019; CPC G06Q 40/00; 13 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: Systems and methods are provided for displaying account information. The systems and methods may include a status display device connected to a network in a home or office environment. The status display may be configured to provide a constant status indicator, to provide a user with a quick and simple account status, without the need for multi-step login and verification processes. The status display may receive account status information from a server, the account status information excluding sensitive information identifying the user or the account.

PATENT: Systems and methods for managing a loan application; US 10,262,363 B2; 4/16/2019; CPC G06Q 40/025; 18 claims; assigned to Capital One Financial Corporation.

ABSTRACT EXCERPT: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document.

PATENT: Method and a computerized exchange system for processing trade orders; US 10,262,365 B2; 4/16/2019; CPC G06Q 40/04; 8 claims; assigned to Nasdaq Technology AB.

ABSTRACT EXCERPT: Methods and computerized exchange systems for processing trade orders are disclosed. In the computerized exchange system, a sequencer is configured to sequence incoming order entry messages for thereby putting incoming order entry messages in a sequenced order and to send, from the sequencer, order entry message(s) in a sequenced order to a plurality of order book engines.

PATENT: Trading system products and processes; US 10,262,366 B2; 4/16/2019; CPC G06Q 40/04; 20 claims; assigned to CFPH, LLC.

ABSTRACT: A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.

PATENT: Apparatus, data base system and computer program product for trading financial instruments; US 10,262,368 B2; 4/16/2019; CPC G06Q 40/04; 5 claims; assigned to Huddlestock Capital AS (NO).

ABSTRACT: According to an aspect of the present disclosure, there is provided a complex artificial (virtual) proprietary trading platform based on a multi-agent approach. This implies providing an advanced trading platform that trades automatically when it detects "windows" or opportunities for financial gain for a crowd of users to trade. This allows a group of users to invest in the same trade and by doing so allows them to reduce trading costs, confirm with others in the `huddle` that the idea is worth investing in and have fractional ownership of shares. This trading platform is embodied as an apparatus, data base system and computer program product for proprietary trading financial instruments.

PATENT: Systems and methods to implement an exchange messaging policy; US 10,262,369 B2; 4/16/2019; CPC G06Q 40/04; 30 claims; assigned to Intercontinental Exchange Holdings, Inc.

ABSTRACT: Systems for and methods of evaluating messaging, comprising, receiving, via at least one server device, one or more messages, and said at least one server device processing at least one of the one or more messages by grading content included in said at least one message, applying a weighting factor to said at least one message according to said grading, thereby determining a weighted message count for said at least one message, aggregating the weighted message count for said at least one message, and initiating an action if the aggregated weighted message count meets or exceeds a predetermined count threshold.

PATENT: Dynamic portfolio simulator tool apparatuses, methods and systems; US 10,262,370 B2; 4/16/2019; CPC G06Q 40/06; 9 claims; assigned to FMR LLC.

CLAIM 1 EXCERPT: A dynamic range slider user interface stored in a non-transient processor-readable medium storing processor-executable instructions issuable by a processor to. . . generate and provide a dynamic range slider bar compositing the updated slider bar and slider value selector knob for interaction.

PATENT: System for utilizing a retirement score to receive benefits; US 10,262,372 B2; 4/16/2019; CPC G06Q 40/06; 18 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device.

PATENT: Transaction identification and recognition; US 10,262,378 B2; 4/16/2019; CPC G06Q 40/12; 8 claims; assigned to MasterCard International Incorporated.

SUMMARY: This disclosure relates generally to transaction identification and recognition. In aspects, it relates particularly to recognition of transactions in a system where it is not certain whether specific transaction data will be provided to the system. This is particularly relevant to the provision of electronic receipts for transactions, particularly contactless mag stripe transactions.

PATENT: System, method and apparatus for detecting absent airline itineraries; US 10,255,561 B2; 4/9/2019; CPC G06Q 10/025; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A system, method, and non-transitory computer-readable storage medium to detect absent airline itineraries.

PATENT: System and method for incremental object tracking and progressive remittance; US 10,255,579 B2; 4/9/2019; CPC G06Q 10/0833; 20 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.

PATENT: Access controls for transfer transactions; US 10,255,589 B1; 4/9/2019; CPC G06Q 20/10; 14 claims; assigned to Wells Fargo Bank, N.A.

ABSTRACT EXCERPT: Access controls for transferring funds from a customer to a designated recipient using a transaction machine and a one-time account and/or an authentication process that does not involve the use of a transaction card are disclosed.

PATENT: Payment channel returning limited use proxy dynamic value; US 10,255,591 B2; 4/9/2019; CPC G06Q 20/12; 18 claims; assigned to Visa International Service Association.

ABSTRACT: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.

PATENT: Method, apparatus, and computer program product for topping up prepaid payment cards for offline use; US 10,255,596 B2; 4/9/2019; CPC G06Q 20/349; 11 claims; assigned to MasterCard International Incorporated.

SUMMARY: Principles of the present invention provide techniques for topping up prepaid payment cards for offline use. An exemplary embodiment of a method, according to one aspect of the invention, includes the step of facilitating a card holder carrying out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal payment transactions in the infrastructure versus that required for topping-up of the balance.

PATENT: Cryptocurrency offline vault storage system; US 10,255,600 B2; 4/9/2019; CPC G06Q 20/3829; 15 claims; assigned to Bank of America Corporation.

ABSTRACT: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.

PATENT: Systems and methods for providing seller-initiated financing in private sales; US 10,255,633 B2; 4/9/2019; CPC G06Q 40/025; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT EXCERPT: A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer.

PATENT: Slicer order quantity reduction tool; US 10,255,634 B2; 4/9/2019; CPC G06Q 40/04; 16 claims; assigned to Trading Technologies International, Inc.

SUMMARY: A slicer order is a synthetic strategy that involves breaking or slicing one order into multiple component orders that are traded separately. For example, an order may be time sliced and/or volume sliced. Slicer orders may be utilized to, for example, reduce a market impact when a total desired quantity of an order is large relative to market liquidity. The disclosed embodiments generally relate to a slicer order quantity reduction tool.

PATENT: PCA-based portfolio margining; US 10,255,636 B2; 4/9/2019; CPC G06Q 40/06; 25 claims; assigned to Chicago Mercantile Exchange Inc.

ABSTRACT EXCERPT: A computer implemented method determines a margin requirement for a financial product portfolio. Market conditions for the financial product portfolio are characterized by a zero curve. The method includes producing a plurality of scenario curves, each scenario curve reflecting a principal component analysis (PCA) model of the zero curve with a respective PCA factor of a plurality of PCA factors of the PCA model offset from a corresponding base value for the zero curve.

PATENT: System and method for developing and utilizing a contactability profile; US 10,248,917 B1; 4/2/2019; CPC G06Q 10/06311; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods for developing and utilizing a contactability profile are disclosed. Contact information may be managed by receiving activity data associated with an entity, processing the received activity data, generating at least one contactability profile associated with the entity based upon a result of the processing, and storing the generated contactability profile.

PATENT: System and method for providing a driverless portable ATM; US 10,248,935 B2; 4/2/2019; CPC G06Q 20/1085; 12 claims; assigned to Capital One Services, LLC.

SUMMARY: The present disclosure relates to systems and methods for providing driverless mobile ATM services to a customer. The customer may obtain driverless mobile ATM services from a driverless vehicle-based mobile ATM.

PATENT: Systems and computer-implemented processes for depositing, withdrawing, and reusing currency for purchase transactions using an intelligent teller machine; US 10,248,936 B2; 4/2/2019; CPC G06Q 20/1085; 20 claims; assigned to Capital One Services, LLC.

ABSTRACT: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.

PATENT: Dynamic screen logo that transmits shopping basket connection information to mobile device; US 10,248,945 B2; 4/2/2019; CPC G06Q 20/3221; 16 claims; assigned to MasterCard International Incorporated.

ABSTRACT: A design element is displayed on a display screen. The design element is modulated over time to encode data in the design element. The design element is presented by a merchant. A camera component of a mobile device is used to capture images over time of the design element. A payment application in the mobile device analyzes the captured images to obtain the encoded data. The payment application uses the encoded data to establish a communication channel with a merchant device operated by the merchant. As a result of communication over the communication channel, a purchase transaction is implemented, including transmission of payment credentials to the merchant from the payment application.

PATENT: Method of generating a bank transaction request for a mobile terminal having a secure module; US 10,248,947 B2; 4/2/2019; CPC G06Q 20/3227; 18 claims; assigned to Oberthur Technologies of America Corp.

ABSTRACT EXCERPT: The invention provides a method of generating a bank transaction request and a mobile payment terminal hosting a payment application using a secure token for the transaction request and including a secure module. The method comprises the payment application executing a payment protocol with a trader application in order to generate the transaction request, and the payment application requesting an authorization cryptogram from an encryption application hosted in the secure module for verifying authorization of the transaction request in compliance with the payment protocol.

PATENT: Methods and systems to securely load / reload a contactless payment device; US 10,248,950 B2; 4/2/2019; CPC G06Q 20/352; 19 claims; assigned to MasterCard International Incorporated.

ABSTRACT: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.

PATENT: Automated account provisioning; US 10,248,952 B2; 4/2/2019; CPC G06Q 20/40; 13 claims; assigned to Visa International Service Association.

ABSTRACT EXCERPT: Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system.

PATENT: Systems and methods for providing tokenized transaction accounts; US 10,248,953 B2; 4/2/2019; CPC G06Q 20/405; 33 claims; assigned to The Toronto Dominion Bank.

ABSTRACT: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

PATENT: Method and system for verifying user identity using card features; US 10,248,954 B2; 4/2/2019; CPC G06Q 20/409; 26 claims; assigned to Alibaba Group Holding Limited.

ABSTRACT: One embodiment of the present invention provides a system that facilitates identity verification based on various features of a card. During operation, a server receives a request for identity verification, where the request corresponds to an account and includes an image of a verifiable card. The server extracts a card feature from the verifiable card image for use as a verifiable card feature. In response to determining that the verifiable card feature matches a corresponding card feature of a registered card of the account, the server determines successful identity verification.

PATENT: Financial server, IC card terminal, and financial information processing method; US 10,248,955 B2; 4/2/2019; CPC G06Q 20/409; 19 claims; assigned to Sony Corporation.

ABSTRACT: A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to "VALUE", and transmits the amount change information to the card terminal. The electronic money card updates the amount of "VALUE" stored therein to an amount specified by the amount change information.

PATENT: Credit default swap clearing; US 10,248,997 B2; 4/2/2019; CPC G06Q 40/04; 14 claims; assigned to Chicago Mercantile Exchange, Inc.

ABSTRACT: An electronic trading system is configured to trade credit default swap (CDS) futures contracts on an open exchange. The CDS futures contract allows the buyer and seller to isolate and trade the credit risk of a third party. The third party may be a corporation, sovereign government, or any entity that issues bonds or notes. The CDS futures contract seller effectively pays the premium over time in increments determined by market rates and through the natural operation of the open market. The CDS futures contract buyer makes a contingency payment if the CDS futures contract goes in-the-money (ITM). Both sides of the contract are guaranteed by the exchange as a counterparty.

PATENT: System and method for price-based annotations in an electronic trading environment; US 10,248,998 B2; 4/2/2019; CPC G06Q 40/04; 10 claims; assigned to Trading Technologies International, Inc.

ABSTRACT: A system and method for generating and displaying annotations in relation to one or more prices corresponding to trader-related or market related events are described. In one embodiment, a trader may enter an annotation to be displayed in relation to one or more price levels. Alternatively, a trader may configure a dynamic annotation to be dynamically displayed in relation to some price level(s) upon detecting a predetermined event related to one or more tradeable objects. Also, a trader may configure one or more alarms to be displayed or played in combination with the annotations.

PATENT: System and method for optimizing the frequency of market information updates in an electronic trading environment; US 10,248,999 B2; 4/2/2019; CPC G06Q 40/04; 15 claims; assigned to Trading Technologies International, Inc.

ABSTRACT EXCERPT: A system and method for optimizing the frequency of market information updates in an electronic trading environment are described herein. According to one example embodiment, by optimizing the frequency of market information updates, the burden on the client device to update the graphical user interface may be reduced, while still providing an accurate portrayal of the market to the user.

PATENT: System and method for adaptive information dissemination; US 10,249,000 B2; 4/2/2019; CPC G06Q 40/04; 12 claims; assigned to Nasdaq Technology AB.

ABSTRACT: In a distributed network, there are different data rates on different connections between a central computer system and remote terminal. The central computer system includes one or more sets of data to be distributed to the remote terminals by extracting subsets of data from the set(s) of data. The subsets of data are distributed to selected groups of remote terminals based on an infrastructure load in order to adaptively distribute the data.

PATENT: System for dynamic visualization of individualized consumption across shared resource allocation structure; US 10,249,002 B2; 4/2/2019; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

ABSTRACT: Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.

PATENT: System for sharing retirement scores between social groups of customers; US 10,249,003 B2; 4/2/2019; CPC G06Q 40/06; 20 claims; assigned to Bank of America Corporation.

ABSTRACT EXCERPT: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user.