Patents Assigned to U.S. Bank National Association
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Patent number: 12265952Abstract: Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.Type: GrantFiled: November 22, 2024Date of Patent: April 1, 2025Assignee: U.S. Bank National AssociationInventors: Marlen L. Foster, Connie K. Yung, Vijay Narayanan, Raj M. Bharadwaj, Soumitri Naga Kolavennu, Jessica G. Winberg, Balasubramanian Narayanan, Hima Rama Subrahmanyam Vishnubhotla
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Publication number: 20250086598Abstract: Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.Type: ApplicationFiled: November 22, 2024Publication date: March 13, 2025Applicant: U.S. Bank National AssociationInventors: Marlen L. Foster, Connie K. Yung, Vijay Narayanan, Raj M. Bharadwaj, Soumitri Naga Kolavennu, Jessica G. Winberg, Balasubramanian Narayanan, Hima Rama Subrahmanyam Vishnubhotla
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Patent number: 12236372Abstract: Embodiments of the present disclosure generally relate to a network-based real-time enterprise travel management system that can facilitate planning, booking, scheduling, and managing travel, while also facilitating expense budgeting and reporting. Embodiments of the present disclosure can provide systems and methods for generating and managing a predictive itinerary associated with travel and/or an event, as well as a centralized marketplace for accessing various services and events.Type: GrantFiled: January 12, 2024Date of Patent: February 25, 2025Assignee: U.S. Bank National AssociationInventors: Duke Chung, Joseph Bradley Reid Williams, Angelina Yooyoung Kim
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Patent number: 12238131Abstract: Methods, systems, and computer program products are provided for improving a network by modeling control strength of network nodes. Design and implementation (DIS) scores are calculated for each of a plurality of nodes. An initial strength (InitCS) corresponding to any control performed by the node is determined. n-subgraphs are generated based on a network graph. For each node in the subgraph of the n-subgraphs, a modified control strength (ModCS) corresponding to a combination of the InitCS, a weakening factor derived from a combination of a ModCS of a plurality of upstream nodes, and a reliance coefficient (RC) of each node-to-node relationship of the plurality of upstream nodes, is determined. A risk mitigation process is performed based, in part, on any one or a combination of: DIS, InitCS and ModCS.Type: GrantFiled: May 25, 2022Date of Patent: February 25, 2025Assignee: U.S. Bank National AssociationInventors: Daniel G. Finley, Joshua M. Henrich, Michael S. Iacolino, Toni J. Moore
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Publication number: 20250061351Abstract: Methods, systems, and computer program products are provided for training a transactional event data analysis model and fine-tuning a pre-trained model to predict future transactions. The method involves storing asynchronous event sequence data of a user in a transaction table, selecting a user transaction at a snapshot time, selecting transactional events made by user U before time, and storing them in a transactions table. The method further includes mapping the timing position of each transactional event in the transactions table using, e.g., an integer index or a one-hot encoded vector. Features are selected and encoded into token encodings and time encodings.Type: ApplicationFiled: August 14, 2023Publication date: February 20, 2025Applicant: U.S. Bank National AssociationInventor: Giacomo Domeniconi
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Patent number: 12229734Abstract: Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.Type: GrantFiled: May 28, 2024Date of Patent: February 18, 2025Assignee: U.S. Bank National AssociationInventors: Marlen L. Foster, Connie K. Yung, Vijay Narayanan, Raj M. Bharadwaj, Soumitri Naga Kolavennu, Jessica G. Winberg, Balasubramanian Narayanan, Hima Rama Subrahmanyam Vishnubhotla
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Publication number: 20250045678Abstract: A system for expense management including an expense management apparatus. The expense management apparatus configured to receive, from a client device, at least one parameter associated with an event, construct at least one query based on the at least one parameter, transmit the at least one query to a database, receive, from the database, responsive data responding to the at least one query, construct a benchmark, using a processing arrangement, associated with the at least one parameter, and transmit the benchmark to the client device.Type: ApplicationFiled: October 21, 2024Publication date: February 6, 2025Applicant: U.S. Bank National AssociationInventors: Duke CHUNG, Ching-Ho FUNG, Jon MORGAN, Joseph WILLIAMS
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Publication number: 20250046343Abstract: Aspects of the embodiments described herein are related to systems, methods, and computer products for performing video redaction. When performing video redaction, a video is received and converted into a plurality of frames. For each of the frames, it is detected if one or more people are present in at least one of the plurality of frames. Bounding regions are determined for the detected people in each frame. The bounding regions are tagged with an identifier identifying the person associated with each bounding region. An icon identifying the detected person is determined and displayed on an interface as a selectable input, wherein each selectable input is selectable to redact or keep the detected person in the video. Once a selection to redact a person is received, the bounding regions of the selected person are filled with replacement pixels. The plurality of frames are then converted into a new video.Type: ApplicationFiled: August 3, 2023Publication date: February 6, 2025Applicant: U.S. Bank National AssociationInventors: Soumitri Naga Kolavennu, Varshini Sriram, Priyanka Singhal
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Patent number: 12190106Abstract: A text editor or a plugin thereto automatically generates authorship tokens to identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.Type: GrantFiled: June 24, 2024Date of Patent: January 7, 2025Assignee: U.S. BANK NATIONAL ASSOCIATIONInventors: Christopher Ziolkowski, Valerie Lancelle, Christopher Davis
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Patent number: 12169806Abstract: A system for expense management including an expense management apparatus. The expense management apparatus configured to receive, from a client device, at least one parameter associated with an event, construct at least one query based on the at least one parameter, transmit the at least one query to a database, receive, from the database, responsive data responding to the at least one query, construct a benchmark, using a processing arrangement, associated with the at least one parameter, and transmit the benchmark to the client device.Type: GrantFiled: August 30, 2017Date of Patent: December 17, 2024Assignee: U.S. Bank National AssociationInventors: Duke Chung, Ching-Ho Fung, Jon Morgan, Joseph Williams
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Publication number: 20240411528Abstract: A content editor or a plugin thereto automatically generates authorship tokens that identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.Type: ApplicationFiled: July 24, 2024Publication date: December 12, 2024Applicant: U.S. Bank National AssociationInventors: CHRISTOPHER ZIOLKOWSKI, VALERIE LANCELLE, CHRISTOPHER DAVIS
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Publication number: 20240394705Abstract: Methods and systems for smart contract creation, validation, and monitoring using generative artificial intelligence models are described. In example implementations, such models may be constructed as merged models from base models and secondary models. The secondary models may be fine-tuned and task-specific. By way of example, the merged models may be used for generation of smart contract code, generation of synthetic data used to validate or test smart contract code, or in cooperation with agents to monitor execution of smart contract code once published on the blockchain.Type: ApplicationFiled: August 2, 2024Publication date: November 28, 2024Applicant: U.S. Bank National AssociationInventors: AHMED M. ABDELRAHMAN, SAMUEL ASSEFA
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Patent number: 12125076Abstract: An ambient transaction system is described for facilitating various transactions types between a management system and a connected device over a transaction platform. Based on a variety of different triggering conditions, the transaction platform may establish an integrated session among the transaction platform, the management system, and the connected device. The transaction platform includes integrated logic of the management system such that a presentment layer provided to the connected device by the transaction platform via the integrated session includes features of the management system associated with the transaction type. When the transaction is a payment transaction, the features may include a payment feature through which checkout options may be selected for payment via the connected device.Type: GrantFiled: November 4, 2021Date of Patent: October 22, 2024Assignee: U.S. Bank National AssociationInventors: Jeremy M. Silver, Todd C. Moning, James Andrew Cantrell, Terron C. Hyde
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Publication number: 20240345837Abstract: A text editor or a plugin thereto automatically generates authorship tokens to identify content authored by a human author or an artificial author. The authorship tokens are applied to the work while the work is being produced. Thus, subsequent review of the work can identify regions produced by a human author and other regions produced by an artificial intelligence.Type: ApplicationFiled: June 24, 2024Publication date: October 17, 2024Applicant: U.S. Bank National AssociationInventors: CHRISTOPHER ZIOLKOWSKI, VALERIE LANCELLE, CHRISTOPHER DAVIS
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Publication number: 20240330935Abstract: A system for facilitating communication between layer 2 networks is disclosed. The system may include a first layer 2 network and a second layer 2 network. One or more of the first or second layer 2 network may include a communication platform that is configured to define a protocol for establishing communication between the first and second layer 2 network. Furthermore, based at least in part on the protocol, a bridge may be generated that communicatively couples the first and second layer 2 networks. In some embodiments, generating a bridge may include generating a smart contract to facilitate communication between the first and second layer 2 networks.Type: ApplicationFiled: October 24, 2023Publication date: October 3, 2024Applicant: U.S. Bank National AssociationInventors: AHMED M. ABDELRAHMAN, SAMUEL ASSEFA, GIACOMO DOMENICONI, CHRISTOPHER SWANSON, MICHAEL VILLANO
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Publication number: 20240330080Abstract: A method for generating a bridge to facilitate cross-chain transactions is disclosed. The method includes monitoring transactions on a first and second blockchain and classifying the monitored transactions. For each transaction type of a plurality of transaction types, the method includes generating, with a generative artificial intelligence model, a smart contract defining a bridge to link the first blockchain with the second blockchain based on the classified transaction type and deploying the smart contract defining the bridge.Type: ApplicationFiled: October 24, 2023Publication date: October 3, 2024Applicant: U.S. Bank National AssociationInventors: AHMED M. ABDELRAHMAN, MICHAEL VILLANO, SAMUEL ASSEFA
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Publication number: 20240333741Abstract: A system for monitoring network activity data in a blockchain network is disclosed. The system may comprise a layer 1 blockchain, a layer 2 solution, and a monitoring system. The monitoring system may include a log collector, an artificial intelligence system, and a reporting system. The log collector may collect network activity data. The artificial intelligence system may analyze network activity data received from the log collector and determine a corrective action. The reporting system may display a report of network activity data. The monitoring system may be further configured to perform the corrective action.Type: ApplicationFiled: October 24, 2023Publication date: October 3, 2024Applicant: U.S. Bank National AssociationInventors: AHMED M. ABDELRAHMAN, GIACOMO DOMENICONI, SAMUEL ASSEFA, MICHAEL VILLANO, CHRISTOPHER SWANSON
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Publication number: 20240330927Abstract: A method for generating and validating a smart contract is disclosed. The method may include receiving text input describing a desired operation of a smart contract and processing the text input with a language model to output a smart contract logic description and synthetic data for validating the smart contract. The method may further include processing the smart contract logic description with a generative artificial intelligence model to generate smart contract code, validating the smart contract code using the synthetic data to simulate transactions with the smart contract, and deploying the smart contract code on a blockchain upon successful validation of the smart contract code.Type: ApplicationFiled: October 24, 2023Publication date: October 3, 2024Applicant: U.S. Bank National AssociationInventors: AHMED M. ABDELRAHMAN, SAMUEL ASSEFA
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Patent number: 12093906Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.Type: GrantFiled: November 22, 2022Date of Patent: September 17, 2024Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Publication number: 20240296691Abstract: Geometric extraction is performed on an unstructured document by recognizing textual blocks on at least a portion of a page of the unstructured document, generating bounding boxes that surround and correspond to the textual blocks, determining search paths having coordinates of two endpoints and connecting at least two bounding boxes, and generating a graph representation of the at least a portion of the page, the graph representation including the plurality of textual blocks, the coordinates of the vertices of each bounding box and the coordinates of the two endpoints of each search path.Type: ApplicationFiled: May 13, 2024Publication date: September 5, 2024Applicant: U.S. Bank National AssociationInventors: Soumitri Naga Kolavennu, Ankur Tomar, Varshini Sriram, Rodolfo Carriedo Roque, Lavanya Basavaraju, Bryan Lee Stuhlsatz