Patents Assigned to N/A
  • Patent number: 12079789
    Abstract: Techniques are described for performing forensic assisting and tracing of transaction data from an automated teller machine (ATM) to detect suspicious activity and potential security threats. The techniques include a forensic assisting and tracing (FAST) ATM configured to intercept data packets including transaction data generated by the ATM; map, store, and index the transaction data; and analyze metadata for the transaction data to generate reports on the operation of the ATM for a higher-level hub server. In some examples, a plurality of FAST ATMs may be networked to the hub server such that the hub server receives reports from each of the individual FAST ATMs and analyzes the reports to identify larger, global trends of suspicious activity and potential security threats.
    Type: Grant
    Filed: March 4, 2021
    Date of Patent: September 3, 2024
    Assignee: Wells Fargo Bank, N. A.
    Inventors: Raziq Yaqub, Abhijit Rao
  • Patent number: 11610217
    Abstract: An example computing device includes: a processor; and a system memory, the system memory including instructions which, when executed by the processor, cause the computing device to: identify a financial account associated with debit card use; parse financial transactions associated with the financial account to identify debit card transactions; categorize the debit card transactions into categories based upon types of merchants; map the categories to incentives associated with a credit card; and present potential savings associated with the incentives.
    Type: Grant
    Filed: December 17, 2021
    Date of Patent: March 21, 2023
    Assignee: Wells Fargo Bank, N, A.
    Inventor: Venkatesh Hebbar
  • Patent number: 11593745
    Abstract: Cognitive and heuristics-based emergent financial management is provided. A method includes obtaining data related to an individual, an organization, a process, or combinations thereof. The data is obtained from internal sources, external sources, or combinations thereof. The method also includes creating data sets from the data based on determined classifications of the data. Further, the method includes establishing relationships between the data sets and determining a conclusion based on the relationships. The conclusion is based on a hypothesis that has undergone a test process.
    Type: Grant
    Filed: January 13, 2021
    Date of Patent: February 28, 2023
    Assignee: Wells Fargo Bank, N. A.
    Inventor: Andrew Guitarte
  • Patent number: 11580121
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which utilize volume to improve the ordering of search results for various information retrieval systems. This improves relevance as volume is a proxy for interest. As volume changes over time, the relevance of a particular result to a particular search query will increase or decrease over time.
    Type: Grant
    Filed: December 15, 2021
    Date of Patent: February 14, 2023
    Assignee: Wells Fargo Bank, N. A.
    Inventors: Carter C. Hansen, Christian P. Krobisch
  • Patent number: 11328350
    Abstract: A provider computing system associated with a provider institution includes a network interface configured to communicate data over a network, and a processing circuit. The processing circuit is configured to receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of a user issued by a payee, extract a first structure of computer-readable data from the image data, associate a first payee identification parameter with the first structure, determine that the first structure is stored in association with a verified payee at a payee database based on the first payee identification parameter, and in response to determining that the first structure is stored in association with the verified payee, update an account of the user to enable the user to utilize the user computing device to authorize a payment to the payee.
    Type: Grant
    Filed: January 8, 2018
    Date of Patent: May 10, 2022
    Assignee: Wells Fargo Bank, N. A.
    Inventor: Al Hecht
  • Patent number: 11107070
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Grant
    Filed: August 13, 2019
    Date of Patent: August 31, 2021
    Assignee: Wells Fargo Bank, N. A.
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Patent number: 11048811
    Abstract: The invention relates to methods for implementing a unified framework for big data usage analytics and security profiling across heterogeneous platforms and multiple clusters. An embodiment of the present invention may be applied in various applications and use cases. This may include auditing for Big Data lakes; capacity assessment and charge back functionality for Big Data infrastructure and clusters and resource usage analytics.
    Type: Grant
    Filed: December 19, 2018
    Date of Patent: June 29, 2021
    Assignee: JPMorgan Chase Bank, N. A.
    Inventors: Krishna Prashanth Dharanikota, Rajan Mehndiratta, Sreemannarayana Balineni
  • Patent number: 10983891
    Abstract: The invention relates to a Data Center Operating System. An embodiment of the present invention comprises: a memory component that stores inventory data for a plurality of data centers; an interactive interface that receives one or more user inputs; an API input that receives data from one or more data center systems; and a processor configured to perform the steps comprising: receiving, via the API input, monitored data from a plurality of data centers at one or more locations; automatically generating, via the processor, an interactive data center floorplan that comprises the monitored data at a device-level for a specific data center; and displaying, via the interactive interface, the interactive data center floorplan in one or more views wherein the one or more views comprises detailed data for a particular rack in the specific data center.
    Type: Grant
    Filed: July 21, 2017
    Date of Patent: April 20, 2021
    Assignee: JPMorgan Chase Bank, N. A.
    Inventors: Morgan Dadd, Tom J. March, Christian Jones
  • Patent number: 10983657
    Abstract: Systems and methods for providing a client-side configurable graphical control element framework are disclosed. In one embodiment, a system may include a client device that may execute a user interface and a data services component in communication with the client device and a data source. The user interface may retrieve a graphical control element configuration file and may transmit a request for data, including a metric identifier, to the data services component. The data services component may retrieve a data services configuration file for the metric identifier, and may request data from the data source based on the data services configuration file. The data services component receives data from the data source and formats the data according to the data services configuration file. The user interface may receive the formatted data and represent the data as a graphical control element according to the graphical control element configuration file.
    Type: Grant
    Filed: August 24, 2016
    Date of Patent: April 20, 2021
    Assignee: JPMorgan Chase Bank, N. A.
    Inventors: Kevin T. Hanrahan, David John Walsh, Babhith Arayullathil, Tim Foden, Daniel Rees, Rupert Edoardo Cobbe-Warburton, Lance Calamita
  • Patent number: 10970778
    Abstract: Exemplary embodiments include a website for a financial institution that has a number of new features for users including: an action tray; “bring it to me” type navigation; a tile view for account information; simplified and homogenous navigation; a unified inbox for messages; and a returning customer log-in page. Accordingly, the website has a number of innovative features to enhance the user experience and streamline navigation of the website. The website can be used to conduct financial transactions as well as interface with the financial institution.
    Type: Grant
    Filed: March 13, 2013
    Date of Patent: April 6, 2021
    Assignee: JPMorgan Chase Bank, N. A.
    Inventors: Richard Starbuck, Brian Okelley, Anthony David Guido
  • Patent number: 10426859
    Abstract: A device for releasing volatile substances comprising a container containing the volatile substances located in a fixed position, and means for generating an air flow in order to release the volatile substances, the means for generating an air flow comprising a movable body, the movement of which generates the air flow; at least one magnet arranged on said movable body; and means for generating magnetic flux, the actuation of which causes the displacement of the movable body by means of the repulsion force between said at least one magnet in the movable body and the magnetic flux. The device enables energy consumption to be improved by using magnetically assisted periodic low-consumption actuation.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: October 1, 2019
    Assignee: ZOBELE ESPA{grave over (N)}A, S.A.
    Inventors: Sergio Luque Vera, Dominic Doyle, Chao Hsu Lee
  • Patent number: 9654477
    Abstract: Provided is adaptive authentication that utilizes relational analysis, sentiment analysis, or both relational analysis and sentiment analysis to facilitate an authentication procedure. The relational analysis evaluates a transactional profile and a behavioral profile of the user. The sentiment analysis evaluates available user information that is obtained from various forms of Internet activity related to the user. A level of authentication is selectively modified based on a result of the relational analysis and/or the sentiment analysis.
    Type: Grant
    Filed: May 5, 2015
    Date of Patent: May 16, 2017
    Assignee: Wells Fargo Bank, N. A.
    Inventor: Sridhar Kotamraju
  • Patent number: 9575265
    Abstract: The present subject matter relates to a method, system and device for connecting conduit to an enclosure. The method, system and device comprise a conduit adapter having a two-piece housing and an insert plate. The insert plate is interchangeable with other insert plates having various sized through holes. A conduit is attached to an insert plate via a suitable connector. The insert plate is selected to have an appropriately sized through hole for the conduit being attached. The selected insert plate having the conduit attached then is enclosed between the two halves of the housing of the conduit adapter. The conduit adapter is then secured in the entry port of the enclosure.
    Type: Grant
    Filed: September 12, 2014
    Date of Patent: February 21, 2017
    Assignee: N A Communications, LLC
    Inventor: Paul T. DeCraene
  • Patent number: 8465055
    Abstract: A seatbelt relief device for a seatbelt having a shoulder harness utilized by a driver sitting on a seat in a motor vehicle behind a steering wheel. The device comprises a sleeve that fits over a chest portion of the shoulder harness of the seatbelt. A cord assembly extends from the sleeve. A mechanism is for releasably mounting the cord assembly centrally to the steering wheel in a pivotable manner, whereby the sleeve will pull the chest portion of the shoulder harness of the seatbelt slightly away from the chest of the driver to reduce pressure on the chest of the driver.
    Type: Grant
    Filed: August 1, 2012
    Date of Patent: June 18, 2013
    Assignee: N/A
    Inventor: Gary Hill
  • Patent number: 7720761
    Abstract: A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each cardholder that maximize Net Present Value (NPV) for the portfolio, given constraints on quantities such as risk of default. In accordance with one embodiment, the present invention uses a Markov Decision Process (MDP) methodology to generate a simplified transition matrix representative of the potential state transitions for account holders. This model applies account level historical information on purchases, payments, profitability and delinquency risk to make these decisions. In addition, a data structure is disclosed constructed to implement a transition matrix computationally in different sizes.
    Type: Grant
    Filed: May 21, 2003
    Date of Patent: May 18, 2010
    Assignee: JPMorgan Chase Bank, N. A.
    Inventors: Margaret S. Trench, Shane P. Pederson, Tak Wing (Edward) Lau, Lizhi Ma, Hui (Stephanie) Wang, Suresh K. Nair
  • Publication number: 20090119229
    Abstract: A process for allocating specific assets from a pool of assets to secure a liability. Information concerning each of the assets in the pool of assets is received from at least two sources. A set of validation rules is applied to the information for each asset in the pool of assets and those assets which do not meet the validation rules are rejected. A price is assigned to each non-rejected asset. A subset of the non-rejected assets is allocated to the liability as a function to collateralize the liability.
    Type: Application
    Filed: December 16, 2008
    Publication date: May 7, 2009
    Applicant: JPMorgan Chase Bank, N. A.
    Inventors: Harold Fudali, Glenn Hett, Dick Dervan, Lincoln Barr, Maureen Ruggerberg
  • Patent number: 7153703
    Abstract: A method for stabilizing colloidal suspensions of nanocrystals or nanoparticles in a solvent or solid matrix is provided by coating the nanocrystals with bulky organic molecules, specifically dendrons. By coating nanocrystals with a dense organic dendron coat and further cross-linking the dendron ligands, oxidation of the nanocrystals and dissociation of the ligands are avoided. This invention allows nanocrystals to undergo rigorous purification and processing. It may regularly be applied to a variety of nanocrystals.
    Type: Grant
    Filed: May 13, 2002
    Date of Patent: December 26, 2006
    Assignee: Board of Trustees of the University of Arkansas N. A.
    Inventors: Xiaogang Peng, Haiyan Chen
  • Publication number: 20040253493
    Abstract: A fuel reformer for use with a fuel cell system is combined with an absorber to absorb unreacted hydrocarbon fuel at a first temperature and release the unreacted hydrocarbon fuel at a second temperature, and subsequent burning of the unreacted hydrocarbon in a burner downstream. The absorber, such as a zeolite, is effective to increase efficiency of the reformer and fuel cell especially under low temperature or start-up conditions.
    Type: Application
    Filed: June 11, 2003
    Publication date: December 16, 2004
    Applicant: Nissan Technical Center N. A. Inc.
    Inventor: Motohisa Kamijo
  • Patent number: 6423723
    Abstract: The present invention provides non-peptidic amino derivatives, their therapeutic use as well as pharmaceutical compositions that possess activity as Follicle Stimulating Hormone (FSH) agonists and are useful in the for treatment of infertility. In particular, the invention provides cyclic and acyclic alpha- and beta-aminocarboxamides, more particularly tetrahydroisoquinolinecarboxamides, piperidinecarboxamides, pyrrolidinecarboxamides, and 2-amino-3-carboxamidopyridine derivatives.
    Type: Grant
    Filed: November 28, 2000
    Date of Patent: July 23, 2002
    Assignee: Applied Research Systems ARS Holding N. A.
    Inventors: Nabil El Tayer, Adulla Reddy, David Buckler, Sharad Magar
  • Patent number: 6224026
    Abstract: A system for supporting a user's arm, comprises an armrest. The armrest is suspended and supported from a horizontally movable structure comprising a vertically movable member through which the armrest is suspended, a counterbalancing return-force producing assembly connected to the vertically movable member to counterbalance at least in part the weight of the user's arm, and a movement-resisting assembly connected to the vertically movable member to resist to vertical movement of the vertically movable member. According to a preferred embodiment, the vertically movable member comprises a cable, the counterbalancing return-force producing assembly comprises a first, spring-loaded reel, and the movement-resisting assembly comprises a second reel on which turns of the cable are wound and provided with at least one lateral face, and at least one friction disk applied to the lateral face of the second reel to resist to vertical movement of the wire.
    Type: Grant
    Filed: May 5, 1999
    Date of Patent: May 1, 2001
    Assignee: N/A
    Inventor: Constant Dubois