Patents by Inventor Ronald Lee Ratcliffe, Jr.

Ronald Lee Ratcliffe, Jr. 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).

  • 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
  • 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: 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
  • 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
  • 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