Patents Assigned to U.S. Bank National Association
  • Patent number: 11928615
    Abstract: 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: Grant
    Filed: September 24, 2020
    Date of Patent: March 12, 2024
    Assignee: U.S. Bank National Association
    Inventors: Duke Chung, Joseph Bradley Reid Williams, Angelina Yooyoung Kim
  • Patent number: 11902267
    Abstract: A system for multi-factor location-based device verification is configured to receive a first location factor, which may include GPS data, from a client device. The system is also configured to receive one or more additional location factors, such as a second location factor and/or a third location factor, from first and/or second wireless beacons, respectively. The wireless beacons may be located within a predefined area, such as a sports book or another casino area, and the system may determine, based upon the one or more location factors, whether the client device is within the predefined area. As a result, the location of the client device may be verified based upon one or more location factors. In addition, in response to verifying the location of the client device, a new wagering account may be established and/or wagering may be initiated.
    Type: Grant
    Filed: August 8, 2022
    Date of Patent: February 13, 2024
    Assignee: U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL AGENT
    Inventors: James Burns, Junqiao Ai, Stephen Denham, Mike Schear, Adam Goldstein, Brett Larson
  • Publication number: 20230401645
    Abstract: A method includes receiving, by a server device, a plurality of input settings from a client device. In a tangible memory, the server device stores the plurality of input settings. The server device sets a linear proxy constraint based on the plurality of input settings to replace a non-linear constraint. The server device solves a system of equations to determine a feasible solution. The server device determines the feasible solution. Based on the determining the feasible solution, determining, by the server device, whether a current solution satisfies a convergence criterion. In response to determining the current solution satisfies the convergence criterion, the current solution is stored in the tangible memory by the server device. In response to determining the current solution does not satisfy the convergence criterion, the server device updates one or more of the input settings and solving the system of equations.
    Type: Application
    Filed: August 28, 2023
    Publication date: December 14, 2023
    Applicant: U.S. Bank National Association
    Inventors: Sean B. Kelley, Andrew L. Hosford
  • Publication number: 20230368557
    Abstract: Entity extraction is performed using a voting ensemble approach to enhance the accuracy and effectiveness of entity extraction processes. Voting ensemble weights are stored. In turn, a prediction value for a first entity is determined from multiple models that are specifically trained for entity extraction. A plurality of first entity prediction values is obtained. The model with the highest prediction value among the plurality of first entity prediction values is then selected.
    Type: Application
    Filed: July 24, 2023
    Publication date: November 16, 2023
    Applicant: U.S. Bank National Association
    Inventors: Soumitri Naga Kolavennu, Raj M. Bharadwaj, Priyanka Singhal, Varshini Sriram, Lavanya Basavaraju
  • Patent number: 11816734
    Abstract: A method includes receiving, by a server device, a plurality of input settings from a client device. In a tangible memory, the server device stores the plurality of input settings. The server device sets a linear proxy constraint based on the plurality of input settings to replace a non-linear constraint. The server device solves a system of equations to determine a feasible solution. The server device determines the feasible solution. Based on the determining the feasible solution, determining, by the server device, whether a current solution satisfies a convergence criterion. In response to determining the current solution satisfies the convergence criterion, the current solution is stored in the tangible memory by the server device. In response to determining the current solution does not satisfy the convergence criterion, the server device updates one or more of the input settings and solving the system of equations.
    Type: Grant
    Filed: November 16, 2021
    Date of Patent: November 14, 2023
    Assignee: U.S. BANK NATIONAL ASSOCIATION
    Inventors: Sean B. Kelley, Andrew L. Hosford
  • Patent number: 11748726
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: January 8, 2019
    Date of Patent: September 5, 2023
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11716275
    Abstract: This disclosure is directed to systems and methods for generating correlated load test scripts for use in load testing by receiving an archive of transaction records, each transaction record including a request and a response, organizing the archive of transaction records, determining a collection of transaction records, generating a plain load test script, and correlating the plain load test script to generate a correlated load test script.
    Type: Grant
    Filed: August 5, 2021
    Date of Patent: August 1, 2023
    Assignee: U.S. Bank National Association
    Inventor: Premraj Varadharaj Singaravelu
  • Patent number: 11610243
    Abstract: A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: March 21, 2023
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11507930
    Abstract: 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: Grant
    Filed: May 22, 2020
    Date of Patent: November 22, 2022
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11508003
    Abstract: Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. In certain examples of the present disclosure, various activities are performed by the circuits. In one such example, the current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value.
    Type: Grant
    Filed: January 26, 2021
    Date of Patent: November 22, 2022
    Assignee: U.S. Bank National Association
    Inventor: Michael Orzechowski
  • Publication number: 20220319216
    Abstract: 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: Application
    Filed: January 5, 2022
    Publication date: October 6, 2022
    Applicant: U.S. Bank National Association
    Inventors: Soumitri Naga Kolavennu, Ankur Tomar, Varshini Sriram, Rodolfo Carriedo Roque, Lavanya Basavaraju, Bryan Lee Stuhlsatz
  • Patent number: 11455623
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
    Type: Grant
    Filed: November 3, 2020
    Date of Patent: September 27, 2022
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Publication number: 20220180414
    Abstract: 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: Application
    Filed: November 4, 2021
    Publication date: June 9, 2022
    Applicant: U.S. Bank National Association
    Inventors: Jeremy M. Silver, Todd C. Moning, James Andrew Cantrell, Terron C. Hyde
  • Patent number: 11195215
    Abstract: 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: Grant
    Filed: December 8, 2020
    Date of Patent: December 7, 2021
    Assignee: U.S. BANK NATIONAL ASSOCIATION
    Inventors: Jeremy M. Silver, Todd C. Moning, James Andrew Cantrell, Terron C. Hyde
  • Patent number: 10963954
    Abstract: Embodiments include apparatuses and methods for aggregating temporal restricted values for accounts of a plurality of client entities. Apparatus embodiments include a memory circuit, a current value circuit, a client value circuit, a temporal value circuit, an aggregation circuit, and a net value circuit. The current value circuit determines current value data for accounts attributed to the entity ID. For each client entity ID, the client value circuit determines a participation condition for a value attributable to the client entity ID. The temporal value circuit identifies the participation condition indicates accounts of the client entity are temporally restricted and computes a temporal value corresponding the value. The aggregation circuit aggregates the computed temporal values for the client entity IDs to determine an aggregate temporal value. The net value circuit computes a net value of accounts for the entity based on the determined current value and the aggregated temporal value.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: March 30, 2021
    Assignee: U.S. Bank National Association
    Inventor: Michael Orzechowski
  • Patent number: 10825020
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: November 3, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10733643
    Abstract: A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.
    Type: Grant
    Filed: October 19, 2016
    Date of Patent: August 4, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10679194
    Abstract: 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: Grant
    Filed: August 23, 2016
    Date of Patent: June 9, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10360559
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: July 23, 2019
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10176468
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: June 10, 2016
    Date of Patent: January 8, 2019
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman