Patents by Inventor Lee Ratcliffe
Lee Ratcliffe has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11954657Abstract: A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.Type: GrantFiled: March 11, 2022Date of Patent: April 9, 2024Assignee: Truist BankInventors: Dan Mauney, Lee Ratcliffe, Jr., Matthew Whitley
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Publication number: 20240045740Abstract: An application-programming interface for scraping data across platforms is provided. For example, a computing system use an application programming interface to scrape a first set of data from a first database associated with a first application and a second set of data from a second database associated with a second application. The computing system can determine a portion of the first set of data and the second set of data that is relevant to a user account. The computing system can generate a user score for the user account indicating a financial health progress based on the first set of data and the second set of data. The computing system can output the portion of the first set of data and the second set of data and the user score for display on a graphical user interface associated with the user account.Type: ApplicationFiled: October 17, 2023Publication date: February 8, 2024Applicant: Truist BankInventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
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Patent number: 11887096Abstract: A web server device can match a series of commands from a user device to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can prevent, via a user interface displayable by the user device, the user from entering information on the user interface that is unnecessary for executing the particular type of action. The web server device can retain, on the user interface, requests for information for executing the particular type of action.Type: GrantFiled: January 27, 2023Date of Patent: January 30, 2024Assignee: Truist BankInventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Publication number: 20230410677Abstract: Using a trained machine learning model for modifying word structures in financial literacy content based on age is provided. For example, a computing system can determine a first reading comprehension level for a set of financial literacy content. The set of financial literacy content can include sentences. The computing system can input the sentences into a trained machine learning model. The computing system can receive one or more updates to the sentences from the trained machine learning model. The computing system can generate an updated set of financial literacy content based on the one or more updates to the sentences. The one or more updates to the sentences can have a second reading comprehension level that is different than the first reading comprehension level. The computing system can output the updated set of financial literacy content as a graphical user interface to a user device associated with a user account.Type: ApplicationFiled: June 17, 2022Publication date: December 21, 2023Applicant: Truist BankInventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
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Publication number: 20230410079Abstract: A virtual reality environment for teaching children about money is provided. For example, a computing system can generate a virtual reality environment associated with a child user account linked to a parent user account. The virtual reality environment can include an interactive gaming element. The computing system can output the virtual reality environment to a user device associated with the child user account. The computing system can receive, from the user device, an input for the interactive gaming element. The computing system can determine, based on the input, an update to a financial balance in the child user account. The computing system can output, to the user device, the update to the financial balance for display in the virtual reality environment.Type: ApplicationFiled: June 17, 2022Publication date: December 21, 2023Applicant: Truist BankInventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
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Publication number: 20230410684Abstract: Using machine learning for determining financial literacy content based on life stages is provided. For example, a computing system can determine a first stage of life associated with a first set of financial literacy content for a user account. The computing system can input a set of user characteristics associated with a user of the user account into a trained machine learning model. The computing system can receive, from the trained machine learning model, a second stage of life associated with the user. The second stage of life can be different than the first stage of life. The computing system can determine a second set of financial literacy content based on the second stage of life. The computing system can output, to a user device associated with the user account, the updated set of financial literacy content for display as a graphical user interface.Type: ApplicationFiled: June 17, 2022Publication date: December 21, 2023Applicant: Truist BankInventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
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Patent number: 11822977Abstract: An application-programming interface for scraping data across platforms is provided. For example, a computing system use an application programming interface to scrape a first set of data from a first database associated with a first application and a second set of data from a second database associated with a second application. The computing system can determine a portion of the first set of data and the second set of data that is relevant to a user account. The computing system can generate a user score for the user account indicating a financial health progress based on the first set of data and the second set of data. The computing system can output the portion of the first set of data and the second set of data and the user score for display on a graphical user interface associated with the user account.Type: GrantFiled: June 23, 2022Date of Patent: November 21, 2023Assignee: Truist BankInventors: Ronald Lee Ratcliffe, Jr., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
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Publication number: 20230169485Abstract: A web server device can match a series of commands from a user device to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can prevent, via a user interface displayable by the user device, the user from entering information on the user interface that is unnecessary for executing the particular type of action. The web server device can retain, on the user interface, requests for information for executing the particular type of action.Type: ApplicationFiled: January 27, 2023Publication date: June 1, 2023Applicant: TRUIST BANKInventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Patent number: 11620627Abstract: A web server device is configured for communicating with a user device over a network via a web page. The web server device can detect a series of commands received from the user device. The web server device can match the series of commands to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can generate, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action.Type: GrantFiled: June 23, 2022Date of Patent: April 4, 2023Assignee: Truist BankInventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Publication number: 20220318780Abstract: A web server device is configured for communicating with a user device over a network via a web page. The web server device can detect a series of commands received from the user device. The web server device can match the series of commands to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can generate, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action.Type: ApplicationFiled: June 23, 2022Publication date: October 6, 2022Applicant: TRUIST BANKInventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Patent number: 11443294Abstract: A web server device is configured for communicating with a user device over a network via a web page. The web server device can detect a series of commands received from the user device. The web server device can match the series of commands to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can generate, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action.Type: GrantFiled: May 24, 2021Date of Patent: September 13, 2022Assignee: TRUIST BANKInventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Publication number: 20220198414Abstract: A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.Type: ApplicationFiled: March 11, 2022Publication date: June 23, 2022Inventors: Dan Mauney, Lee Ratcliffe, JR., Matthew Whitley
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Patent number: 11308463Abstract: A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.Type: GrantFiled: May 13, 2016Date of Patent: April 19, 2022Assignee: Truist BankInventors: Dan Mauney, Lee Ratcliffe, Jr., Matthew Whitley
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Publication number: 20210279708Abstract: A web server device is configured for communicating with a user device over a network via a web page. The web server device can detect a series of commands received from the user device. The web server device can match the series of commands to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can generate, using data obtained from the particular database device, information for a user interface that is displayable by the user device for guiding a user via the web page to input information needed for the particular type of action.Type: ApplicationFiled: May 24, 2021Publication date: September 9, 2021Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Patent number: 11042865Abstract: A web server device is configured for communicating with a user device over a network via a web page. The web server device can receive an indication from the user device and can determine an action indicated by the user device among multiple actions that include transfer money, bill payment, direct deposit, person-to-person payment, and wire transfer. The web server device can determine the action indicated by the user device among the multiple actions by identifying a type of action solely from an identification of a recipient received from the user device and using stored data that includes associations of types of actions with a plurality of recipients. The web server can generate information for a user interface that is displayable by the user device for guiding the user via the web page to input information needed for the action determined from the multiple actions.Type: GrantFiled: June 25, 2020Date of Patent: June 22, 2021Assignee: Truist BankInventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Publication number: 20200327528Abstract: A web server device is configured for communicating with a user device over a network via a web page. The web server device can receive an indication from the user device and can determine an action indicated by the user device among multiple actions that include transfer money, bill payment, direct deposit, person-to-person payment, and wire transfer. The web server device can determine the action indicated by the user device among the multiple actions by identifying a type of action solely from an identification of a recipient received from the user device and using stored data that includes associations of types of actions with a plurality of recipients. The web server can generate information for a user interface that is displayable by the user device for guiding the user via the web page to input information needed for the action determined from the multiple actions.Type: ApplicationFiled: June 25, 2020Publication date: October 15, 2020Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
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Patent number: D947207Type: GrantFiled: October 17, 2018Date of Patent: March 29, 2022Assignee: Truist BankInventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe
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Patent number: D1019681Type: GrantFiled: February 22, 2022Date of Patent: March 26, 2024Assignee: Truist BankInventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe
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Patent number: D1019682Type: GrantFiled: February 22, 2022Date of Patent: March 26, 2024Assignee: Truist BankInventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe
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Patent number: D1020778Type: GrantFiled: February 22, 2022Date of Patent: April 2, 2024Assignee: Truist BankInventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe