Patents by Inventor Albert Koy

Albert Koy has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 12651238
    Abstract: Aspects of the subject technology include obtaining a transfer request event associated with a transaction, the transfer request event indicating a request day of week and time of day, and, when the request time of day is past a pre-determined cutoff time, adjusting the request day of week to be a subsequent day. Aspects also include determining, using the transfer request event and based on a machine learning model trained on historical transaction data, a predicted transfer delay for the transaction, obtaining a set of relevant non-transfer days based on a comparison between the historical transaction data and a set of past non-transfer days, and, when one or more non-transfer days from the set of relevant non-transfer days occur within a time period from the request day of week and over the predicted transfer delay, adjusting the predicted transfer delay based on the one or more non-transfer days.
    Type: Grant
    Filed: December 14, 2023
    Date of Patent: June 9, 2026
    Assignee: Stripe, LLC
    Inventors: Salil Bapat, Mark Tokutomi, Sankash Shankar, Ville-Jalmari Koskela, Sumeet Bedi, Eric Kramer, Devesh Chourasiya, Albert Koy
  • Publication number: 20250200537
    Abstract: Aspects of the subject technology include obtaining a transfer request event associated with a transaction, the transfer request event indicating a request day of week and time of day, and, when the request time of day is past a pre-determined cutoff time, adjusting the request day of week to be a subsequent day. Aspects also include determining, using the transfer request event and based on a machine learning model trained on historical transaction data, a predicted transfer delay for the transaction, obtaining a set of relevant non-transfer days based on a comparison between the historical transaction data and a set of past non-transfer days, and, when one or more non-transfer days from the set of relevant non-transfer days occur within a time period from the request day of week and over the predicted transfer delay, adjusting the predicted transfer delay based on the one or more non-transfer days.
    Type: Application
    Filed: December 14, 2023
    Publication date: June 19, 2025
    Inventors: Salil BAPAT, Mark TOKUTOMI, Sankash SHANKAR, Ville-Jalmari KOSKELA, Sumeet BEDI, Eric KRAMER, Devesh CHOURASIYA, Albert KOY
  • Patent number: 11900448
    Abstract: A method and apparatus for managing liquidity when processing transactions are disclosed. In some embodiments, the method is implemented by a computing device and comprises: receiving data for a plurality of transactions; continuously reading in and aggregating, with an aggregator implemented at least partially in hardware of the computing device, transactions to produce one or more netted currency positions based on a plurality of properties of the transactions and on a plurality of netting constraints; generating one or more tasks, using a trade generator implemented at least partially in hardware of the computing device, to route cash movements as one or more batched fund transfers based on one or more trading policies; and sending the one or more tasks via network communications to one or more entities to execute the batched fund transfers.
    Type: Grant
    Filed: July 21, 2021
    Date of Patent: February 13, 2024
    Assignee: STRIPE, INC.
    Inventors: Qi Zhang, Jeremiah Clemenson, Katherine Yu, Albert Koy, Andrew Straussman, Eric Zhang, Jordan McQueen, Yiran Gao
  • Patent number: 11720626
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for providing content. One of the methods includes receiving a target image at an image platform; determining one or more images related to the target image; determining queries associated with the related images; deriving candidate keywords from the determined queries; filtering the candidate keywords to select one or more keywords; and providing the image to one or more users in response to respective incoming queries based on the one or more keywords.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: August 8, 2023
    Assignee: Pinterest, Inc.
    Inventors: Albert Koy, Xiaodong Wang
  • Publication number: 20230021606
    Abstract: A method and apparatus for managing liquidity when processing transactions are disclosed. In some embodiments, the method is implemented by a computing device and comprises: receiving data for a plurality of transactions; continuously reading in and aggregating, with an aggregator implemented at least partially in hardware of the computing device, transactions to produce one or more netted currency positions based on a plurality of properties of the transactions and on a plurality of netting constraints; generating one or more tasks, using a trade generator implemented at least partially in hardware of the computing device, to route cash movements as one or more batched fund transfers based on one or more trading policies; and sending the one or more tasks via network communications to one or more entities to execute the batched fund transfers.
    Type: Application
    Filed: July 21, 2021
    Publication date: January 26, 2023
    Inventors: Qi Zhang, Jeremiah Clemenson, Katherine Yu, Albert Koy, Andrew Straussman, Eric Zhang, Jordan McQueen, Yiran Gao
  • Patent number: 11023519
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for providing content. One of the methods includes receiving a target image at an image platform; determining one or more images related to the target image; determining queries associated with the related images; deriving candidate keywords from the determined queries; filtering the candidate keywords to select one or more keywords; and providing the image to one or more users in response to respective incoming queries based on the one or more keywords.
    Type: Grant
    Filed: October 16, 2018
    Date of Patent: June 1, 2021
    Assignee: Pinterest, Inc.
    Inventors: Albert Koy, Xiaodong Wang