Patents by Inventor Chai Lam
Chai Lam 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).
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Publication number: 20240070771Abstract: A method on applying user data for providing services to a user from a platform of services, the method comprising the steps of: obtaining user profile data pertaining to the user of a network system of an institution; comparing the user profile data to a plurality of different potential life stages in order to determine a selected life stage; identifying one or more services from the platform of services based on the selected life stage; identifying the one or more services to the user via a user interface of a user device; receiving a request from the user through the user device for access to the one or more services; and updating contents of the user profile to include additional profile content related to activity of the user with the one or more services.Type: ApplicationFiled: August 14, 2023Publication date: February 29, 2024Inventors: Nohra Beltran, Dana AISibai, Christopher Cliff, Hariish Nandakumar, Hannah Mclsaac, Kelly Goncalves, Selene Soo, Chai Lam
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Publication number: 20230394482Abstract: Systems, methods and data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.Type: ApplicationFiled: July 10, 2023Publication date: December 7, 2023Inventors: Stephen James SCOTT, Weiqiang YIN, Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Judy DINN, Chai LAM
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Publication number: 20230289793Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.Type: ApplicationFiled: May 19, 2023Publication date: September 14, 2023Inventors: Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Stephen James SCOTT, Weiqiang YIN, Judy DINN, Chai LAM
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Patent number: 11699152Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.Type: GrantFiled: July 30, 2021Date of Patent: July 11, 2023Assignee: ROYAL BANK OF CANADAInventors: Stephen James Scott, Weiqiang Yin, Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Judy Dinn, Chai Lam
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Patent number: 11687928Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).Type: GrantFiled: July 28, 2021Date of Patent: June 27, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Stephen James Scott, Weiqiang Yin, Judy Dinn, Chai Lam
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Publication number: 20230070467Abstract: An insurance recommendation engine receives customer data and using trained models recommends one or more insurance products that are suitable for the customer. The recommendation engine also provides an explanation as to why the particular products have been recommended. The recommendation models are incorporated into a system that can improves the customer's experience.Type: ApplicationFiled: August 25, 2022Publication date: March 9, 2023Inventors: Isabel Jiyee LIM, Jordan William CURNEW, Maria SOHAIL, Jaspreet Singh SANDHU, Chai LAM, Samuel PASSAFIUME
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Publication number: 20220067814Abstract: Embodiments relate to web applications and interfaces providing personalized access to relevant wellness resources using microservices and machine learning models. Embodiments relate to web applications and interfaces that provide recommendations based on personas computed using machine learning models. The interfaces and web applications using microservices to provide interface tools that scale to multiple users.Type: ApplicationFiled: August 12, 2021Publication date: March 3, 2022Inventors: Kelly GONCALVES, Russell GOLDMAN, Neda PARYAB, Sidhant KAPAHI, Maria WINSLOW, Chai LAM, Hannah MCLSAAC
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Publication number: 20220020016Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.Type: ApplicationFiled: July 30, 2021Publication date: January 20, 2022Inventors: Stephen James SCOTT, Weiqiang YIN, Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Judy DINN, Chai LAM
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Publication number: 20220020015Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).Type: ApplicationFiled: July 28, 2021Publication date: January 20, 2022Inventors: Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Stephen James SCOTT, Weiqiang YIN, Judy DINN, Chai LAM
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Patent number: 11080700Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).Type: GrantFiled: January 19, 2016Date of Patent: August 3, 2021Assignee: Royal Bank of CanadaInventors: Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Stephen James Scott, Weiqiang Yin, Judy Dinn, Chai Lam
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Patent number: 11080701Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.Type: GrantFiled: July 2, 2016Date of Patent: August 3, 2021Assignee: Royal Bank of CanadaInventors: Stephen James Scott, Weigiang Yin, Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Judy Dinn, Chai Lam