Wells Fargo Bank, N.a.

Yahoo! Inc.

Excalibur Ip, LLC

Samsung Electronics Co., Ltd.

Oath Inc.

Google Inc.

Verizon Media Inc.

Verizon Patent and Licensing Inc.

Yahoo Assets LLC

Yahoo Holdings, Inc.

R2 Solutions, LLC

Chris Theodore Kalaboukis

Ramanathan Ramanathan

Abhijit Rao

Joon Maeng

Ronald Martinez

Andres J Saenz

Rameshchandra Bhaskar Ketharaju

Andrew J Garner, Iv

Marc Eliot Davis

Darrell Lee Suen

Timothy Roger Ward

Christopher William Higgins

Christopher T Paretti

Andrew L Martinez

Suzanne M Fisi

Uma Meyyappan

Athellina Athsani

Kristine Ing Kushner

Dennis Emmanuel Montenegro

Muhammad Farukh Munir

Darren M Goetz

Marria Rhodriquez

Beth S Moss

Lisa R Magana

Marla M Pacis

Joseph James O'Sullivan

Raziq Yaqub

David C Hatch

Julio Jiron

Kevin King

Simone Olivia Harvey

Aaron Francis Colfax Petrik

Steven J Wirt

Nancy B Zimmerman

Ryan James Wyler

Jennifer L Copeland

James Lyle Schafer

Kalyan Subramanian

Roberto Warren Fisher

Darius A Miranda

John Andrew Chuprevich

Michael Spiegelman

Abhijit Shetti

Nicola Stefano Ghezzi

Barry Crane

Stephan Douris

Stephanie S Hellman

Marc David Perry

Joel Gardner

Ayesha Hasan

Oliver Raskin

Athellina R Ahmad Athsani

Karon A Weber

Jeffrey A Cornman

Samantha Marie Tripodi

Ron Martinez

Ian C Rogers

Kevin R Cieslak

Rajiv Ranjan

Raissa Williams

Winton Henry Davies

Michael H Chang

Adnan Khan

Evelyn Ujanen

Gregory John Hansen

Nathan Craig Bricklin

Tleytmas N Stephenson

Lila Fakhraie

Wayne Barakat

Neal J Sample

Ryan Brice Cunningham

Cameron A Marlow

Yvette Hatton

Sunil Nagaraj

Ha M Duong

Tammy C Fleming

Eun-Gyu Kim

Millicent Calinog

Ashish Bhoopen Kurani

Nikolai Stroke

Brian Michael Pearce

Miranda C Hill

John T Wright

Young M Yang

Traci H Nguyen

Daniel Sanford

Lluis Garcia Pueyo

Elizabeth F Churchill

Rahul Nair

Paul Vittimberga

Simon P King

Roelof Van Zwol

Balinder Singh Mangat

Nathanael Joe Hayashi

Edward Stanley Ott, Iv

Margot Lockwood-Stein

Anthony Burton

Chris W Higgins

Pankaj Parekh

Priyank Shanker Garg

A method comprises predicting a preferred funds transfer method of a payee based on payee data, generating a token based on the predicted preferred funds transfer method where the token is decodable to identify the predicted preferred funds transfer method and the payee, and initiating, in response to an input from the payee, an electronic funds transfer from a payer to the payee.

Predicting and making payments via preferred payment methods

Virtual entities are displayed alongside real world entities in a wearable reality overlay device worn by the user. Information related to an environment proximate to the wearable device is determined. For example, a position of the wearable device may be determined, a camera may capture an image of the environment, etc. Virtual entity image information representative of an entity desired to be virtually displayed is processed based on the determined information. An image of the entity is generated based on the processed image information as a non-transparent region of a lens of the wearable device, enabling the entity to appear to be present in the environment to the user. The image of the entity may conceal a real world entity that would otherwise be visible to the user through the wearable device. Other real world entities may be visible to the user through the wearable device.

Reconfiguring reality using a reality overlay device

Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.

Purchasing and monetizing of mobile autonomous units

The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Assessing validity of mail item

A distributed computing system includes a blockchain comprising a plurality of blockchain services comprising an oracle service, a predictive analytics service, a loan service, and a consensus service. The oracle service configured to receive input data comprising at least one of financial data associated with at least one of the plurality of syndicate participants, macroeconomic data, geo-location data, disaster data, or public health data. The predictive analytics service configured to utilize the input data to determine whether a first syndicate participant of the plurality of syndicate participants has an excess of funds and whether a second syndicate participant of the plurality of syndicate participants has a lack of funds where the first syndicate participant is different than the second syndicate participant. The loan service configured to facilitate a loan agreement between the first syndicate participant and the second syndicate participant. The consensus service enabling a consensus process used to agree on a validity of data transactions that are recorded by the blockchain such that the consensus service maintains a replicating ledger within the distributed computing system.

Geolocation-based mesh automatic lending network

A computer-implemented method includes monitoring, by a mobile wallet computing system, a context of a user having a mobile wallet on a user mobile device, determining whether one or more rules for each one or more sub-wallets associated with the mobile wallet on the user mobile device are fulfilled based on the monitored context of the user, in response to at least one of the rules associated with a predefined sub-wallet being fulfilled, provisioning the predefined sub-wallet to the mobile wallet on the user mobile device, configuring a removal rule for the predefined sub-wallet, and removing the predefined sub-wallet from the mobile wallet on the user mobile device in response to the removal rule being fulfilled.

Systems and methods for providing an adaptable mobile wallet with sub-wallets

A method includes detecting an initial vocalization by a user in an environment including a primary device and a secondary device, analyzing the initial vocalization to determine whether a future vocalization is likely to contain sensitive information based on the initial vocalization where the future vocalization is a potential future vocalization, and controlling, based on determining that the future vocalization is likely to contain sensitive information, a speaker of the primary device to output a noise canceling signal configured to prevent the secondary device from detecting the future vocalization.

Interrupting receipt of sensitive information

In one example, a method includes at a first network infrastructure computing device of a plurality of networked infrastructure computing devices receiving, from a user computing device, an authentication token indicating a user using the user computing device is authenticated with respect to an electronic service, based on the user being authenticated, executing a computing task associated with the electronic service for the user computing device, the computing task including computing task data, predicting a set of possible future locations of the user based on an output of a movement prediction model executing on the first network infrastructure computing device, identifying a set of network infrastructure computing devices correlated with the set of possible future locations, and transmitting the authentication token and the computing task data to the set of network infrastructure computing devices.

Computing task transfers between cellular infrastructure devices

An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, performance of the new transaction.

Customized device rating system using device performance information

A method includes using a distributed computing system to form a syndicate, generate a unique identifier for each of a plurality of participants of the syndicate, receive a verification request comprising the unique identifier from each of the plurality of participants, verify that a respective entity is a node on the distributed computing system, receive loan terms templates from each of the plurality of participants, receive a plurality of data from each of the plurality of participants, identify a first subset of participants having an excess of funds and a second subset of participants having a lack of funds, and verify each of the first subset of participants and the second subset of participants. The method includes using a syndicate computing system to automatically execute at least one loan agreement between at least one of the first subset of participants and at least one of the second subset of participants.

A system includes one or more processors coupled to machine readable storage media having instructions stored therein that, when executed by the one or more processors, cause the one or more processors to perform operations including receiving user data of a user including authentic user demographic data, storing the user data in an authentic user profile, receiving a request for a user profile from a third party, generating a synthetic user profile including synthetic user data based on the authentic user profile where generating the synthetic user profile comprises generating synthetic demographic data that is similar to the authentic user demographic data within a predetermined threshold, storing the synthetic user profile in a user profile database where the stored synthetic user profile is associated with the authentic user profile and the third party, and providing the synthetic demographic data to a third party device associated with the third party.

Systems and methods for ad hoc synthetic persona creation

A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing the token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

System for data access token management

Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.

Systems and methods for a night drop system

Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing, with an electronic data management system, a connection channel associated with processing a shared electronic data object, where the connection channel is established associated with a first user data object; and causing rendering of a user interface that provides access to first functionality via the electronic data management system, and receiving an indication of a connection channel change, and causing updated rendering, based on the connection channel change and in response to receiving the indication of the connection channel change, of the user interface to provide access to updated functionality via the electronic data management system.

Apparatuses, computer-implemented methods, and computer program products for improved multi-user channel management

A provider computing system includes a processing circuit comprising one or more processors coupled to one or more memories having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive an indication from a user device that an automated teller machine (ATM) is compromised. The instructions, when executed by the one or more processors, further cause the one or more processors to generate, upon receiving the indication that the ATM is compromised, a reward message including a reward for reporting the ATM as being compromised. The instructions, when executed by the one or more processors, further cause the one or more processors to transmit the reward message to the user device.

Systems and methods for detecting compromised ATMs

Growing community of inventors

San Jose, CA, United States of America

Chris Theodore Kalaboukis