Patents Assigned to Citizens Financial Group, Inc.
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Patent number: 12231429Abstract: A system, method and tangible non-transitory storage medium are disclosed. The system includes an integration platform configured to generate in interactive graphical user interface (GUI) that simultaneously displays and provides access to a combination of services, internal resources and external resources. Responsive to receiving input from a user device, the interactive GUI provide access to one or more selected services, internal resources and/or external resources. The integration platform may also monitor and capture interaction data associated with activity between the user device and the integration platform, execute machine learning model(s) to predict user-specific interaction tendencies, and revise one or more aspects of interactive GUI based on the predicted user-specific interaction tendencies.Type: GrantFiled: January 10, 2024Date of Patent: February 18, 2025Assignee: Citizens Financial Group, Inc.Inventor: Ross Pringle
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Patent number: 12218941Abstract: A system, method and tangible non-transitory storage medium are disclosed. The system includes an integration platform configured to generate in interactive graphical user interface (GUI) that simultaneously displays and provides access to a combination of services, internal resources and external resources. Responsive to receiving input from a user device, the interactive GUI provide access to one or more selected services, internal resources and/or external resources. The integration platform may also monitor and capture interaction data associated with activity between the user device and the integration platform, execute machine learning model(s) to predict user-specific interaction tendencies, and revise one or more aspects of interactive GUI based on the predicted user-specific interaction tendencies.Type: GrantFiled: January 10, 2024Date of Patent: February 4, 2025Assignee: Citizens Financial Group, Inc.Inventor: Ross Pringle
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Publication number: 20240214381Abstract: A system, method and tangible non-transitory storage medium are disclosed. The system includes an integration platform configured to generate in interactive graphical user interface (GUI) that simultaneously displays and provides access to a combination of services, internal resources and external resources. Responsive to receiving input from a user device, the interactive GUI provide access to one or more selected services, internal resources and/or external resources. The integration platform may also monitor and capture interaction data associated with activity between the user device and the integration platform, execute machine learning model(s) to predict user-specific interaction tendencies, and revise one or more aspects of interactive GUI based on the predicted user-specific interaction tendencies.Type: ApplicationFiled: January 10, 2024Publication date: June 27, 2024Applicant: Citizens Financial Group, Inc.Inventor: Ross Pringle
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Publication number: 20240211807Abstract: A novel system, method and computer program product are disclosed herein. The system may an interactive data modeling and communication platform (the “platform”) in communication with one or more user devices and external data systems. The platform may include one or more servers executing computer-readable instructions that cause the platform to perform operations such as generating and training machine learning models, receiving data and information relating to a plurality of users, converting the data and information into a suitable format for use by the machine learning models, and executing the machine learning models using the converted data and information as input. The machine learning models may generate user-personalized strategies and identify tools and resources for completing aspects of the user-personalized strategies.Type: ApplicationFiled: December 15, 2023Publication date: June 27, 2024Applicant: Citizens Financial Group, Inc.Inventors: Maggie Wall, Christina Elizabeth Sweeny, Julie Lazarus, Peter Charles Reiser
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Publication number: 20240152992Abstract: A system, method and computer-readable storage medium are disclosed herein. The system includes one or more servers, one or more processors and a memory storing computer-readable instructions that, when executed by the one or more processors, cause the system to perform operations. The operations include receiving data and information associated with a user, and executing a first ML algorithm to select which other ML algorithm to execute to determine a value profile associated with a collateral asset. Additional ML algorithms are executed to generate a collateral profile associated with the collateral asset, an activity profile associated with a user, and a household profile associated with the user. Data from among the profiles is combined to generate a digital asset, and advanced analytics are applied to the digital asset, in connection with rules and policies, to identify a user-specific product offering. The user-specific product offering is communicated to the user.Type: ApplicationFiled: October 26, 2023Publication date: May 9, 2024Applicant: Citizens Financial Group, Inc.Inventors: Adam Boyd, Jeffrey Scott Lehman, Nathan McGregor, Steven Mark Bortnick, Lance Haugen
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Publication number: 20240146711Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: ApplicationFiled: October 5, 2023Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Arif Sufi, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Senthil K. Ponnappan, Chris Benz, Christopher D. Elomaa, Christine Roberts, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling
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Publication number: 20240146712Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: ApplicationFiled: October 9, 2023Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Arif Sufi, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Christine Roberts, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling, Kalyan C. GOTTIPATI
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Publication number: 20240146710Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: ApplicationFiled: October 4, 2023Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Arif Sufi, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Christine Roberts, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling, Milind ZIRPE
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Publication number: 20240146733Abstract: A system, method and tangible non-transitory storage medium are disclosed. The system includes an integration platform configured to generate in interactive graphical user interface (GUI) that simultaneously displays and provides access to a combination of services, internal resources and external resources. Responsive to receiving input from a user device, the interactive GUI provide access to one or more selected services, internal resources and/or external resources. The integration platform may also monitor and capture interaction data associated with activity between the user device and the integration platform, execute machine learning model(s) to predict user-specific interaction tendencies, and revise one or more aspects of interactive GUI based on the predicted user-specific interaction tendencies.Type: ApplicationFiled: January 10, 2024Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventor: Ross Pringle
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Publication number: 20240146709Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: ApplicationFiled: October 4, 2023Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Arif Sufi, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Christine Roberts, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling
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Publication number: 20240146713Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: ApplicationFiled: October 9, 2023Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling, Daniel REZNIK, Purna TADAKA
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Publication number: 20240146708Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: ApplicationFiled: September 20, 2023Publication date: May 2, 2024Applicant: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Arif Sufi, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Michael S. Ruttledge, Dhiraj Rattan, James W. Mitcheson, Nageshwara Rao Chirravuri, Krishna Mopati, Williard D. Stackpole, Kyle R. Berglund, Matthew Eble Darlage, Chris Benz, Christopher D. Elomaa, Brendan Coughlin, Eric Schuppenhauer, Christine Roberts, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling
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Patent number: 11948190Abstract: Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.Type: GrantFiled: November 3, 2022Date of Patent: April 2, 2024Assignee: Citizens Financial Group, Inc.Inventors: Andrew Kamron Rostami, Robert J. Sherman, Christina Elizabeth Sweeny, Gaurav Sethi, Scott Joseph Slagsvol, Rebecca Marie Hornbuckle, Shaun Kevin Fisher, Najmeh Mirzaie, Grace Elisabeth Nicklin
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Patent number: 11909737Abstract: A system, method and tangible non-transitory storage medium are disclosed. The system includes an integration platform configured to generate in interactive graphical user interface (GUI) that simultaneously displays and provides access to a combination of services, internal resources and external resources. Responsive to receiving input from a user device, the interactive GUI provide access to one or more selected services, internal resources and/or external resources. The integration platform may also monitor and capture interaction data associated with activity between the user device and the integration platform, execute machine learning model(s) to predict user-specific interaction tendencies, and revise one or more aspects of interactive GUI based on the predicted user-specific interaction tendencies.Type: GrantFiled: July 17, 2023Date of Patent: February 20, 2024Assignee: Citizens Financial Group, Inc.Inventor: Ross Pringle
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Publication number: 20240031367Abstract: A system, method and tangible non-transitory storage medium are disclosed. The system includes an integration platform configured to generate in interactive graphical user interface (GUI) that simultaneously displays and provides access to a combination of services, internal resources and external resources. Responsive to receiving input from a user device, the interactive GUI provide access to one or more selected services, internal resources and/or external resources. The integration platform may also monitor and capture interaction data associated with activity between the user device and the integration platform, execute machine learning model(s) to predict user-specific interaction tendencies, and revise one or more aspects of interactive GUI based on the predicted user-specific interaction tendencies.Type: ApplicationFiled: July 17, 2023Publication date: January 25, 2024Applicant: Citizens Financial Group, Inc.Inventor: Ross Pringle
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Patent number: 11818115Abstract: A unified platform may comprise a combination of independent frameworks that have been integrated and configured to collaboratively operate seamlessly. In some aspects, the unified platform may comprise one or more of an authentication and authorization framework, a dynamic user interface framework, a workflow state management framework, a notification and active data loss and prevention (DLP) engine framework, and an orchestration engine framework. Each of the frameworks included in the unified platform may comprise one or more of the plurality of computing devices executing computer-readable program instructions.Type: GrantFiled: July 7, 2023Date of Patent: November 14, 2023Assignee: Citizens Financial Group, Inc.Inventors: Rajesh K. Shah, Arif Sufi, Balamurugan Muthu, Sudip Mukhopadhyay, Deepak Nayak, Michael S. Ruttledge, Dhiraj Rattan, James W. Mitcheson, Nageshwara Rao Chirravuri, Krishna Mopati, Williard D. Stackpole, Kyle R. Berglund, Matthew Eble Darlage, Chris Benz, Christopher D. Elomaa, Brendan Coughlin, Eric Schuppenhauer, Christine Roberts, Ryan Pearson, Jeffrey M. Mayerson, Christopher C. Ebeling
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Patent number: 11803793Abstract: A system and method are disclosed herein. The system includes one or more processors and a memory having programming instructions stored thereon, which, when executed by the one or more processors, performs operations. The operations include retrieving historical account activity. The operations further include constructing a training data set that includes the historical inflow data, the historical outflow data, and known forecast information from the historical account activity. The operations further include generating a combined prediction model configured to forecast future inflow activity and future outflow activity. The operations further include receiving current inflow activity, current outflow activity, and current balance information for a user.Type: GrantFiled: November 4, 2021Date of Patent: October 31, 2023Assignee: Citizens Financial Group, Inc.Inventors: Noam Katz, Rakesh Sahay, Sreejith Sreekumar, Saumitra Pande, Frederic Chanfrau, Vijay Jegadeesan, Vinay Jha
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Publication number: 20230247026Abstract: In some examples, a computing system may include one or more processors and a memory that includes instructions. Additionally, the one or more processors may execute the instructions to receive, from a user device, a request to create an account, and, in response to receiving the request, transmit a first message to the user device. Moreover, the one or more processors may execute the instructions to receive additional identifiable data received from the user device and implement a set of confirmation operations that includes verifying at least the additional identifiable data based on third-party data. Further, the one or more processors may execute the instructions to, based at least on the verification of at least the additional identifiable data, implement a second set of operations that cause the one or more processors to generate the account including one or more account related features specified by the user.Type: ApplicationFiled: January 24, 2023Publication date: August 3, 2023Applicant: Citizens Financial Group, Inc.Inventors: Bhaskar Purimetla, Krishna Purimetla, Brinda Purimetla
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Publication number: 20230070588Abstract: Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.Type: ApplicationFiled: November 3, 2022Publication date: March 9, 2023Applicant: Citizens Financial Group, Inc.Inventors: Andrew Kamron Rostami, Robert J. Sherman, Christina Elizabeth Sweeny, Gaurav Sethi, Scott Joseph Slagsvol, Rebecca Marie Hornbuckle, Shaun Kevin Fisher, Najmeh Mirzaie, Grace Elisabeth Nicklin
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Publication number: 20230012110Abstract: A system comprises a user device associated with a user and a server in communication with the user device. The server generates an interactive graphical user interface (GUI) comprising one or more interactive screens for display on the user device and receives, from the user device via the interactive GUI, user input indicating user characteristics and stock rewards characteristics specific to the user. In response, the server creates an electronic credit card and a linked brokerage account. The server monitors data from at least one card processor system and/or at least one entity system for changes in the user's transaction activity and/or non-transaction activity. The server determines a stock rewards value to be applied to the brokerage account based on the monitored data and automatically initiates a brokerage transaction, funded by a stock rewards balance in the brokerage account, in accordance with the stock rewards characteristics associated with the user.Type: ApplicationFiled: June 27, 2022Publication date: January 12, 2023Applicant: Citizens Financial Group, Inc.Inventors: Benjamin Adam Fish, Nathaniel Hickok Bacon, Andrew Kamron Rostami