Patents Assigned to U.S. Bank National Association
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Patent number: 11928615Abstract: 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: September 24, 2020Date of Patent: March 12, 2024Assignee: U.S. Bank National AssociationInventors: Duke Chung, Joseph Bradley Reid Williams, Angelina Yooyoung Kim
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Patent number: 11902267Abstract: 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: GrantFiled: August 8, 2022Date of Patent: February 13, 2024Assignee: U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL AGENTInventors: James Burns, Junqiao Ai, Stephen Denham, Mike Schear, Adam Goldstein, Brett Larson
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Publication number: 20230401645Abstract: 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: ApplicationFiled: August 28, 2023Publication date: December 14, 2023Applicant: U.S. Bank National AssociationInventors: Sean B. Kelley, Andrew L. Hosford
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Publication number: 20230368557Abstract: 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: ApplicationFiled: July 24, 2023Publication date: November 16, 2023Applicant: U.S. Bank National AssociationInventors: Soumitri Naga Kolavennu, Raj M. Bharadwaj, Priyanka Singhal, Varshini Sriram, Lavanya Basavaraju
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Patent number: 11816734Abstract: 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: GrantFiled: November 16, 2021Date of Patent: November 14, 2023Assignee: U.S. BANK NATIONAL ASSOCIATIONInventors: Sean B. Kelley, Andrew L. Hosford
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Patent number: 11748726Abstract: 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: GrantFiled: January 8, 2019Date of Patent: September 5, 2023Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 11716275Abstract: 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: GrantFiled: August 5, 2021Date of Patent: August 1, 2023Assignee: U.S. Bank National AssociationInventor: Premraj Varadharaj Singaravelu
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Patent number: 11610243Abstract: 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: GrantFiled: July 16, 2020Date of Patent: March 21, 2023Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 11507930Abstract: 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: May 22, 2020Date of Patent: November 22, 2022Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 11508003Abstract: 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: GrantFiled: January 26, 2021Date of Patent: November 22, 2022Assignee: U.S. Bank National AssociationInventor: Michael Orzechowski
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Publication number: 20220319216Abstract: 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: January 5, 2022Publication date: October 6, 2022Applicant: U.S. Bank National AssociationInventors: Soumitri Naga Kolavennu, Ankur Tomar, Varshini Sriram, Rodolfo Carriedo Roque, Lavanya Basavaraju, Bryan Lee Stuhlsatz
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Patent number: 11455623Abstract: 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: GrantFiled: November 3, 2020Date of Patent: September 27, 2022Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Publication number: 20220180414Abstract: 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: ApplicationFiled: November 4, 2021Publication date: June 9, 2022Applicant: U.S. Bank National AssociationInventors: Jeremy M. Silver, Todd C. Moning, James Andrew Cantrell, Terron C. Hyde
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Patent number: 11195215Abstract: 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: December 8, 2020Date of Patent: December 7, 2021Assignee: U.S. BANK NATIONAL ASSOCIATIONInventors: Jeremy M. Silver, Todd C. Moning, James Andrew Cantrell, Terron C. Hyde
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Patent number: 10963954Abstract: 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: GrantFiled: December 4, 2015Date of Patent: March 30, 2021Assignee: U.S. Bank National AssociationInventor: Michael Orzechowski
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Patent number: 10825020Abstract: 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: GrantFiled: July 22, 2019Date of Patent: November 3, 2020Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 10733643Abstract: 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: GrantFiled: October 19, 2016Date of Patent: August 4, 2020Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 10679194Abstract: 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: August 23, 2016Date of Patent: June 9, 2020Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 10360559Abstract: 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: GrantFiled: January 28, 2016Date of Patent: July 23, 2019Assignee: U.S. Bank National AssociationInventor: Mark Dickelman
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Patent number: 10176468Abstract: 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: GrantFiled: June 10, 2016Date of Patent: January 8, 2019Assignee: U.S. Bank National AssociationInventor: Mark Dickelman