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).

  • Patent number: 11954657
    Abstract: 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: Grant
    Filed: March 11, 2022
    Date of Patent: April 9, 2024
    Assignee: Truist Bank
    Inventors: Dan Mauney, Lee Ratcliffe, Jr., Matthew Whitley
  • Publication number: 20240045740
    Abstract: 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: Application
    Filed: October 17, 2023
    Publication date: February 8, 2024
    Applicant: Truist Bank
    Inventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
  • Patent number: 11887096
    Abstract: 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: Grant
    Filed: January 27, 2023
    Date of Patent: January 30, 2024
    Assignee: Truist Bank
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Publication number: 20230410677
    Abstract: 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: Application
    Filed: June 17, 2022
    Publication date: December 21, 2023
    Applicant: Truist Bank
    Inventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
  • Publication number: 20230410079
    Abstract: 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: Application
    Filed: June 17, 2022
    Publication date: December 21, 2023
    Applicant: Truist Bank
    Inventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
  • Publication number: 20230410684
    Abstract: 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: Application
    Filed: June 17, 2022
    Publication date: December 21, 2023
    Applicant: Truist Bank
    Inventors: Ronald Lee Ratcliffe, JR., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
  • Patent number: 11822977
    Abstract: 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: Grant
    Filed: June 23, 2022
    Date of Patent: November 21, 2023
    Assignee: Truist Bank
    Inventors: Ronald Lee Ratcliffe, Jr., Reinaldo Gamaliel Rivera Colon, Jennifer Merten
  • Publication number: 20230169485
    Abstract: 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: Application
    Filed: January 27, 2023
    Publication date: June 1, 2023
    Applicant: TRUIST BANK
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Patent number: 11620627
    Abstract: 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: Grant
    Filed: June 23, 2022
    Date of Patent: April 4, 2023
    Assignee: Truist Bank
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Publication number: 20220318780
    Abstract: 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: Application
    Filed: June 23, 2022
    Publication date: October 6, 2022
    Applicant: TRUIST BANK
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Patent number: 11443294
    Abstract: 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: Grant
    Filed: May 24, 2021
    Date of Patent: September 13, 2022
    Assignee: TRUIST BANK
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Publication number: 20220198414
    Abstract: 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: Application
    Filed: March 11, 2022
    Publication date: June 23, 2022
    Inventors: Dan Mauney, Lee Ratcliffe, JR., Matthew Whitley
  • Patent number: 11308463
    Abstract: 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: Grant
    Filed: May 13, 2016
    Date of Patent: April 19, 2022
    Assignee: Truist Bank
    Inventors: Dan Mauney, Lee Ratcliffe, Jr., Matthew Whitley
  • Publication number: 20210279708
    Abstract: 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: Application
    Filed: May 24, 2021
    Publication date: September 9, 2021
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Patent number: 11042865
    Abstract: 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: Grant
    Filed: June 25, 2020
    Date of Patent: June 22, 2021
    Assignee: Truist Bank
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Publication number: 20200327528
    Abstract: 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: Application
    Filed: June 25, 2020
    Publication date: October 15, 2020
    Inventors: Lee Ratcliffe, Vicki Givens, Deborah Faulkner, Dan Mauney
  • Patent number: D947207
    Type: Grant
    Filed: October 17, 2018
    Date of Patent: March 29, 2022
    Assignee: Truist Bank
    Inventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe
  • Patent number: D1019681
    Type: Grant
    Filed: February 22, 2022
    Date of Patent: March 26, 2024
    Assignee: Truist Bank
    Inventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe
  • Patent number: D1019682
    Type: Grant
    Filed: February 22, 2022
    Date of Patent: March 26, 2024
    Assignee: Truist Bank
    Inventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe
  • Patent number: D1020778
    Type: Grant
    Filed: February 22, 2022
    Date of Patent: April 2, 2024
    Assignee: Truist Bank
    Inventors: Candice Roberts, Alisha Belk, Elizabeth Hammond, Lee Ratcliffe