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公开(公告)号：US11928747B2
公开(公告)日：2024-03-12
申请号：US17592929
申请日：2022-02-04
发明人： Charles Howard Cella
IPC分类号： G06Q50/00 , G06F9/46 , G06F9/54 , G06F16/23 , G06F16/27 , G06F18/22 , G06F18/23 , G06F18/241 , G06N3/042 , G06N3/08 , G06N5/04 , G06N20/00 , G06Q10/0639 , G06Q10/10 , G06Q20/40 , G06Q30/018 , G06Q30/02 , G06Q30/0201 , G06Q30/0207 , G06Q30/0208 , G06Q40/03 , G06Q40/08 , G06Q50/18 , G06Q50/26 , G06V10/762 , G16Y10/50 , G16Y40/10 , H04L9/06 , G06Q40/04
CPC分类号： G06Q50/01 , G06F9/466 , G06F9/543 , G06F16/2379 , G06F16/27 , G06F18/22 , G06F18/23 , G06F18/241 , G06N3/042 , G06N3/08 , G06N5/04 , G06N20/00 , G06Q10/0639 , G06Q10/10 , G06Q20/405 , G06Q30/018 , G06Q30/0201 , G06Q30/0206 , G06Q30/0208 , G06Q30/0215 , G06Q30/0278 , G06Q40/03 , G06Q40/08 , G06Q50/18 , G06Q50/188 , G06Q50/26 , G06V10/762 , G16Y10/50 , G16Y40/10 , H04L9/0637 , G06Q40/04 , G06Q2220/18
摘要： A system for data collection and loan activities is disclosed. The system may include a data collection circuit to receive data relating to a status of a loan and a set of items of collateral acting as security for the loan. The system may further include a blockchain service circuit to maintain a secure historical ledger of events related to the loan, and to interpret a plurality of access control features corresponding to parties associated with the loan. The system may further include a loan evaluation circuit to determine a loan status based on the received data, a smart contract circuit to create a smart lending contract for the loan, and an automated agent circuit to perform a loan action based on the loan status, wherein the blockchain service circuit is further structured to update the secure historical ledger of events with the loan action.
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公开(公告)号：US20240070236A1
公开(公告)日：2024-02-29
申请号：US18371615
申请日：2023-09-22
发明人： Charles Howard Cella
CPC分类号： G06F21/1074 , G06F21/108 , H04L9/50
摘要： Systems, methods and apparatus relating to asset-class based tokens are described. An example apparatus may include a tokenization controller to implement a tokenization user interface where the tokenization controller includes a token definition circuit to interpret a token description in response to user operations. The example apparatus may further include an asset definition circuit to interpret an asset-class description in response to user operations and an asset backing circuit to interpret a token link description including a token performance representation corresponding to a beneficial characteristic of at least one asset of the asset-class description, and to generate at least one asset-class linked token in response to the token link description and the asset-class description. The example apparatus may further include a token deployment circuit to expose the at least one asset-class linked token to a token marketplace system.
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公开(公告)号：US11763213B2
公开(公告)日：2023-09-19
申请号：US16692711
申请日：2019-11-22
发明人： Charles Howard Cella
IPC分类号： G06Q30/02 , G06N20/00 , G06N5/04 , G06Q50/06 , G06Q10/04 , G06Q30/0201 , G06F16/23 , G06Q30/0202 , G06F9/46 , G06F9/50 , G06N3/08 , G06Q10/0631 , G06Q10/067 , G06Q40/04 , G06Q50/18 , G06Q20/22 , G06Q20/38 , G06Q30/0241 , G06Q30/0273 , H02J3/00 , H02J3/28 , G06F21/10 , G06Q20/40 , G06F9/48 , G06Q20/36 , H04L47/78 , G06N3/02 , G06Q20/06 , G06F16/951 , G06F9/38 , H04L47/783 , G06Q30/0204 , G06Q40/10 , G06F16/24 , G06Q50/04 , H04L9/00 , H04L12/14 , H04L47/70 , G06F16/18 , H02J3/38 , G05B19/00 , G05B19/418 , G06F9/54 , G06Q30/06 , G06F18/214 , H02J3/14 , G06F16/27 , G06F16/182 , G06F30/27 , G06N3/04 , G06Q50/00 , H04L9/06 , G06F16/2457 , G06Q30/0251 , G06N3/044 , G06N3/047 , H04L67/12
CPC分类号： G06Q10/04 , G05B19/00 , G05B19/4188 , G05B19/41865 , G06F9/3836 , G06F9/3891 , G06F9/466 , G06F9/4806 , G06F9/4881 , G06F9/50 , G06F9/5005 , G06F9/5016 , G06F9/5027 , G06F9/5072 , G06F9/541 , G06F16/182 , G06F16/1865 , G06F16/23 , G06F16/2365 , G06F16/2379 , G06F16/24 , G06F16/27 , G06F16/951 , G06F18/2148 , G06F18/2155 , G06F21/105 , G06F30/27 , G06N3/02 , G06N3/04 , G06N3/08 , G06N5/04 , G06N20/00 , G06Q10/067 , G06Q10/0631 , G06Q10/06314 , G06Q10/06315 , G06Q20/06 , G06Q20/065 , G06Q20/0655 , G06Q20/29 , G06Q20/367 , G06Q20/389 , G06Q20/38215 , G06Q20/405 , G06Q20/4016 , G06Q30/0201 , G06Q30/0202 , G06Q30/0205 , G06Q30/0206 , G06Q30/0247 , G06Q30/0273 , G06Q30/06 , G06Q40/04 , G06Q40/10 , G06Q50/04 , G06Q50/06 , G06Q50/184 , H02J3/008 , H02J3/14 , H02J3/28 , H02J3/388 , H04L9/50 , H04L12/14 , H04L47/783 , H04L47/788 , H04L47/823 , G05B2219/36542 , G06F9/3838 , G06F16/2457 , G06N3/044 , G06N3/047 , G06N3/0418 , G06Q20/4015 , G06Q30/0254 , G06Q30/0276 , G06Q50/01 , G06Q2220/00 , G06Q2220/12 , G06Q2220/18 , H02J3/003 , H04L9/0643 , H04L67/12
摘要： Systems and methods for forward market renewable energy credit prediction from business entity behavior data are disclosed. An example transaction-enabling system may include a forward market circuit to access a forward energy credit market and a market forecasting circuit to automatically generate a forecast for a forward market price of an energy credit in the forward energy credit market. The example system may include wherein the forecast is based at least in part on a business entity behavior collected from at least one business entity behavioral data source, and wherein the energy credit comprises a renewable energy credit associated a renewable energy system. The example system may further include a smart contract circuit to perform at least one of selling the renewable energy credit or purchasing the renewable energy credit on the forward energy credit market in response to the forecasted forward market price.
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公开(公告)号：US11748822B2
公开(公告)日：2023-09-05
申请号：US16886616
申请日：2020-05-28
发明人： Charles Howard Cella
IPC分类号： G06Q40/02 , G06Q10/10 , G06Q30/02 , G06N20/00 , G06Q30/00 , G06Q40/08 , G06F9/54 , G06F16/27 , G06F16/23 , G06Q50/18 , G06Q50/26 , G06Q50/00 , G06Q30/0208 , G06Q30/0207 , G06N3/08 , G06Q30/0201 , G06F9/46 , G06Q10/0639 , G06Q20/40 , H04L9/06 , G06N5/04 , G06Q30/018 , G16Y10/50 , G16Y40/10 , G06F18/22 , G06F18/23 , G06F18/241 , G06Q40/03 , G06N3/042 , G06V10/762 , G06Q40/04
CPC分类号： G06Q50/01 , G06F9/466 , G06F9/543 , G06F16/2379 , G06F16/27 , G06F18/22 , G06F18/23 , G06F18/241 , G06N3/042 , G06N3/08 , G06N5/04 , G06N20/00 , G06Q10/0639 , G06Q10/10 , G06Q20/405 , G06Q30/018 , G06Q30/0201 , G06Q30/0206 , G06Q30/0208 , G06Q30/0215 , G06Q30/0278 , G06Q40/03 , G06Q40/08 , G06Q50/18 , G06Q50/188 , G06Q50/26 , G06V10/762 , G16Y10/50 , G16Y40/10 , H04L9/0637 , G06Q40/04 , G06Q2220/18
摘要： Systems and methods for automatically restructuring debt are disclosed. An example system may include a data collection circuit to monitor and collect information about at least one entity involved in a loan; and a smart contract circuit to automatically restructure a debt related to the loan based on the monitored and collected information about the at least one entity involved in the loan.
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公开(公告)号：US11727504B2
公开(公告)日：2023-08-15
申请号：US16998873
申请日：2020-08-20
发明人： Charles Howard Cella
IPC分类号： G06Q40/02 , G06Q10/10 , G06Q30/02 , G06N20/00 , G06Q30/00 , G06Q40/08 , G06F9/54 , G06F16/23 , G06F16/27 , G06Q50/18 , G06Q50/26 , G06Q50/00 , G06Q30/0208 , G06Q30/0207 , G06N3/08 , G06Q30/0201 , G06F9/46 , G06Q10/0639 , G06Q20/40 , H04L9/06 , G06N5/04 , G06Q30/018 , G16Y10/50 , G16Y40/10 , G06F18/22 , G06F18/23 , G06F18/241 , G06Q40/03 , G06N3/042 , G06V10/762 , G06Q40/04
CPC分类号： G06Q50/01 , G06F9/466 , G06F9/543 , G06F16/2379 , G06F16/27 , G06F18/22 , G06F18/23 , G06F18/241 , G06N3/042 , G06N3/08 , G06N5/04 , G06N20/00 , G06Q10/0639 , G06Q10/10 , G06Q20/405 , G06Q30/018 , G06Q30/0201 , G06Q30/0206 , G06Q30/0208 , G06Q30/0215 , G06Q30/0278 , G06Q40/03 , G06Q40/08 , G06Q50/18 , G06Q50/188 , G06Q50/26 , G06V10/762 , G16Y10/50 , G16Y40/10 , H04L9/0637 , G06Q40/04 , G06Q2220/18
摘要： A system and method for automated blockchain custody service for managing a set of custodial assets with block chain authenticity verification is disclosed. An example system includes an asset identification service circuit structured to interpret assets corresponding to a financial entity configured to take custody of them; an identity management service circuit structured to authenticate a plurality of identifiers corresponding to a plurality of actionable entities entitled to take action with respect to the assets, wherein the identifiers comprise at least one credential; a blockchain service circuit structured to store asset control features in a blockchain structure comprising a distributed ledger configuration; and a financial management circuit structured to communicate the interpreted plurality of assets and authenticated plurality of identifiers to the blockchain service circuit for storage in the blockchain structure as asset control features, and to record the asset control features in the distributed ledger configuration as asset events.
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公开(公告)号：US11620702B2
公开(公告)日：2023-04-04
申请号：US16886589
申请日：2020-05-28
发明人： Charles Howard Cella
IPC分类号： G06Q40/02 , G06Q10/10 , G06Q30/02 , G06N20/00 , G06Q30/00 , G06Q40/08 , G06F9/54 , G06F16/23 , G06F16/27 , G06Q50/18 , G06Q50/26 , G06Q50/00 , G06Q30/0208 , G06Q30/0207 , G06N3/08 , G06N3/04 , G06K9/62 , G06Q30/0201 , G06F9/46 , G06Q10/0639 , G06Q20/40 , H04L9/06 , G06N5/04 , G06Q30/018 , G16Y10/50 , G16Y40/10 , G06Q40/04
摘要： Systems and methods for crowdsourcing information on a guarantor for a loan are disclosed. An example system may include a crowdsourcing request circuit to configure at least one parameter of a crowdsourcing request related to obtaining information on a condition of a guarantor for a loan; a crowdsourcing publishing circuit to publish the crowdsourcing request to a group of information suppliers; and a crowdsourcing communications circuit to collect and process at least one response from the group of information suppliers, and to provide a reward to at least one of the group of information suppliers in response to a successful information supply event.
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公开(公告)号：US11605124B2
公开(公告)日：2023-03-14
申请号：US16804289
申请日：2020-02-28
发明人： Charles Howard Cella
IPC分类号： G06Q40/02 , G06Q10/10 , G06Q30/02 , G06Q30/00 , G06Q40/08 , G06Q50/18 , G06Q50/26 , G06N20/00 , G06F9/54 , G06F16/23 , G06F16/27 , G06Q50/00 , G06Q30/0208 , G06Q30/0207 , G06N3/08 , G06N3/04 , G06K9/62 , G06Q30/0201 , G06F9/46 , G06Q10/0639 , G06Q20/40 , H04L9/06 , G06N5/04 , G06Q30/018 , G16Y10/50 , G16Y40/10 , G06Q40/04
摘要： A system and method of smart contract and distributed ledger platform with blockchain authenticity verification includes a blockchain service circuit structured to interface with a distributed ledger; a data collection circuit structured to receive data related to a set of items of collateral that provide security for a loan: a smart contract circuit structured to create a smart lending contract for the loan and assign at least a portion of the set of items of collateral to the loan, thereby creating an assigned set of items of collateral; wherein the blockchain service circuit is further structured to record the assigned set of items of collateral to a loan-entry in the distributed ledger, and wherein each of the blockchain service circuit, the data collection circuit, and the smart contract circuit further comprise a corresponding application programming interface (API) component structured to facilitate communication among the circuits of the system.
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公开(公告)号：US11599940B2
公开(公告)日：2023-03-07
申请号：US16998829
申请日：2020-08-20
发明人： Charles Howard Cella
IPC分类号： G06Q40/02 , G06Q10/10 , G06Q30/02 , G06N20/00 , G06Q30/00 , G06Q40/08 , G06F9/54 , G06F16/23 , G06F16/27 , G06Q50/18 , G06Q50/26 , G06Q50/00 , G06Q30/0208 , G06Q30/0207 , G06N3/08 , G06N3/04 , G06K9/62 , G06Q30/0201 , G06F9/46 , G06Q10/0639 , G06Q20/40 , H04L9/06 , G06N5/04 , G06Q30/018 , G16Y10/50 , G16Y40/10 , G06Q40/04
摘要： A system and method of automated debt management with machine learning is disclosed. An example system may include a data collection circuit to collect information about entities involved in debt transactions, a training data set of outcomes related to the entities, and a training set of debt management activities. The system may also include a condition classifying circuit to classify a condition of at least one of the entities and an automated debt management circuit to manage an action related to a debt. The condition classifying circuit may include a model trained using the training data set of outcomes related to the entities.
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公开(公告)号：US11586178B2
公开(公告)日：2023-02-21
申请号：US17333452
申请日：2021-05-28
IPC分类号： G05B19/41 , G05B19/4155 , G06N5/04 , B25J9/16 , G06N20/00 , G05B13/02 , B25J13/00 , G05B19/18 , G06F3/01 , G06N3/04 , G06F16/27 , G06F16/23 , G16Y10/50 , G16Y40/10 , G06F9/46 , G06F9/54 , G06K9/62 , G06N3/08 , G06Q10/0639 , G06Q10/10 , G06Q20/40 , G06Q30/018 , G06Q30/0201 , G06Q30/0208 , G06Q30/0207 , G06Q30/02 , G06Q40/02 , G06Q40/08 , G06Q50/00 , G06Q50/18 , G06Q50/26 , H04L9/06 , G06Q40/04
摘要： A method for selecting an AI solution for an automated robotic process including receiving at least one functional media including information indicative of brain activity by a human engaged in a task of interest, analyzing the functional media, identifying an activity level in at least one brain region, identifying a brain region parameter and an activity parameter; identifying an action parameter based in part on the brain region parameter or the activity parameter; and selecting a component of the AI solution in part on the brain region parameter, the activity parameter, or the action parameter.
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公开(公告)号：US11454954B2
公开(公告)日：2022-09-27
申请号：US17333452
申请日：2021-05-28
IPC分类号： G05B19/41 , G05B19/4155 , G06N5/04 , B25J9/16 , G06N20/00 , G05B13/02 , B25J13/00 , G05B19/18 , G06F3/01 , G06N3/04 , G06F16/27 , G06F16/23 , G16Y10/50 , G16Y40/10 , G06F9/46 , G06F9/54 , G06K9/62 , G06N3/08 , G06Q10/06 , G06Q10/10 , G06Q20/40 , G06Q30/00 , G06Q30/02 , G06Q40/02 , G06Q40/08 , G06Q50/00 , G06Q50/18 , G06Q50/26 , H04L9/06 , G06Q40/04
摘要： A method for selecting an AI solution for an automated robotic process including receiving at least one functional media including information indicative of brain activity by a human engaged in a task of interest, analyzing the functional media, identifying an activity level in at least one brain region, identifying a brain region parameter and an activity parameter; identifying an action parameter based in part on the brain region parameter or the activity parameter; and selecting a component of the AI solution in part on the brain region parameter, the activity parameter, or the action parameter.
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