Patents by Inventor Chris Theodore Kalaboukis

Chris Theodore Kalaboukis 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: 12154120
    Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe
    Type: Grant
    Filed: December 28, 2021
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Chris Theodore Kalaboukis
  • Patent number: 12156026
    Abstract: In one example, a method includes at a first network infrastructure computing device of a plurality of networked infrastructure computing devices receiving, from a user computing device, an authentication token indicating a user using the user computing device is authenticated with respect to an electronic service, based on the user being authenticated, executing a computing task associated with the electronic service for the user computing device, the computing task including computing task data, predicting a set of possible future locations of the user based on an output of a movement prediction model executing on the first network infrastructure computing device, identifying a set of network infrastructure computing devices correlated with the set of possible future locations, and transmitting the authentication token and the computing task data to the set of network infrastructure computing devices.
    Type: Grant
    Filed: June 7, 2021
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Andres J. Saenz, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng
  • Patent number: 12147576
    Abstract: A system includes one or more processors coupled to machine readable storage media having instructions stored therein that, when executed by the one or more processors, cause the one or more processors to perform operations including receiving user data of a user including authentic user demographic data, storing the user data in an authentic user profile, receiving a request for a user profile from a third party, generating a synthetic user profile including synthetic user data based on the authentic user profile where generating the synthetic user profile comprises generating synthetic demographic data that is similar to the authentic user demographic data within a predetermined threshold, storing the synthetic user profile in a user profile database where the stored synthetic user profile is associated with the authentic user profile and the third party, and providing the synthetic demographic data to a third party device associated with the third party.
    Type: Grant
    Filed: May 9, 2023
    Date of Patent: November 19, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chris Theodore Kalaboukis, Andres J. Saenz
  • Patent number: 12148029
    Abstract: A method includes using a distributed computing system to form a syndicate, generate a unique identifier for each of a plurality of participants of the syndicate, receive a verification request comprising the unique identifier from each of the plurality of participants, verify that a respective entity is a node on the distributed computing system, receive loan terms templates from each of the plurality of participants, receive a plurality of data from each of the plurality of participants, identify a first subset of participants having an excess of funds and a second subset of participants having a lack of funds, and verify each of the first subset of participants and the second subset of participants. The method includes using a syndicate computing system to automatically execute at least one loan agreement between at least one of the first subset of participants and at least one of the second subset of participants.
    Type: Grant
    Filed: February 7, 2023
    Date of Patent: November 19, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Patent number: 12135812
    Abstract: A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing the token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.
    Type: Grant
    Filed: May 5, 2023
    Date of Patent: November 5, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Darius A. Miranda, Rajiv Ranjan, Uma Meyyappan, Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti, Rameshchandra Bhaskar Ketharaju, Chandramouli Subramanian
  • Patent number: 12113866
    Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change.
    Type: Grant
    Filed: June 7, 2023
    Date of Patent: October 8, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng, Andres J. Saenz, Rameshchandra Bhaskar Ketharaju
  • Patent number: 12106323
    Abstract: Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.
    Type: Grant
    Filed: January 16, 2023
    Date of Patent: October 1, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Andres J. Saenz, Ramanathan Ramanathan, Abhijit Rao
  • Patent number: 12061917
    Abstract: Methods, apparatuses, and computer program products are disclosed for dynamic user interfaces. An example computer-implemented method includes receiving a communication channel request from a user device and establishing a communication channel with the user device. The computer-implemented method also includes receiving an indication that a first user and a second user are accessing the communication channel via the user device and generating a hybrid interface. The hybrid interface includes blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user, first personalized interface data based upon the first user parameter data, and second personalized interface data based upon the second user parameter data. The computer-implemented method may include causing the first personalized interface data and/or the second personalized interface data to be obscured.
    Type: Grant
    Filed: August 4, 2022
    Date of Patent: August 13, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Andrew J. Garner, IV, Abhijit Rao, Andres J. Saenz
  • Patent number: 12056764
    Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.
    Type: Grant
    Filed: April 15, 2022
    Date of Patent: August 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joel Eric Boeder, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni
  • Patent number: 12039524
    Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.
    Type: Grant
    Filed: April 20, 2023
    Date of Patent: July 16, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chris Theodore Kalaboukis, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Abhijit Shetti
  • Patent number: 12026734
    Abstract: Sensing devices and associated methods are disclosed for providing dynamic travel transactions. An example sensing device includes a sensor associated with a vehicle and a controller operably coupled with the sensor. The sensor is configured to generate first device data of a first user device associated with a first user where the first device data includes first trip data of the vehicle and the first user. The sensor is further configured to generate travel variability data associated with the vehicle where the travel variability data includes one or more vehicle operating parameters that vary during travel of the vehicle. The controller of the sensing device is configured to generate a travel transaction based upon the first device data of the first user device and the travel variability data associated with the vehicle.
    Type: Grant
    Filed: September 25, 2020
    Date of Patent: July 2, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Chris Theodore Kalaboukis
  • Publication number: 20240193504
    Abstract: A computing system includes a provider computing system comprising a network interface and a processing circuit structured to receive an electronic request related to a job, determine a test requirement for the job, cause a user device to request a test result based on the test requirement, receive an image file of a document from the user device, perform optical character recognition (OCR) on the image file to extract a test result, verify the test result satisfies the test requirement, select at least one worker from a plurality of workers in a business syndicate based on a location and an availability of the at least one worker and on the verification of the test result satisfying the test requirement, transmit an electronic notification to accept the job to the user device, and cause the user device to display the electronic notification.
    Type: Application
    Filed: February 19, 2024
    Publication date: June 13, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Publication number: 20240119520
    Abstract: A distributed computing system includes a blockchain comprising a plurality of blockchain services comprising an oracle service, a predictive analytics service, a loan service, and a consensus service. The oracle service configured to receive input data comprising at least one of financial data associated with at least one of the plurality of syndicate participants, macroeconomic data, geo-location data, disaster data, or public health data. The predictive analytics service configured to utilize the input data to determine whether a first syndicate participant of the plurality of syndicate participants has an excess of funds and whether a second syndicate participant of the plurality of syndicate participants has a lack of funds where the first syndicate participant is different than the second syndicate participant. The loan service configured to facilitate a loan agreement between the first syndicate participant and the second syndicate participant.
    Type: Application
    Filed: December 20, 2023
    Publication date: April 11, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Patent number: 11954656
    Abstract: An example method includes identifying provider systems each configured to perform a function requested by a device, wherein the provider systems are associated with vendors that provide one or more of services, goods, or device skills, responsive to selecting a provider system, sending, to the provider system, the request to perform the function, after sending the request to the provider system, receiving, by the management system and from the provider system, provider response information associated with performance of the function, sending, by the management system and to the device, the provider response information associated with performance of the function, and initiating a payment of funds from a first financial system associated with the device to a second financial system associated with the provider system.
    Type: Grant
    Filed: January 27, 2021
    Date of Patent: April 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Patent number: 11948191
    Abstract: A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.
    Type: Grant
    Filed: October 1, 2021
    Date of Patent: April 2, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joel Eric Boeder, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni
  • Publication number: 20240094021
    Abstract: Methods, apparatuses, and computer program products are disclosed for providing dynamic travel transactions. An example computer-implemented method includes receiving first device data of a first user device associated with a first user. The first device data includes first trip data of a vehicle and the first user. The example method further includes receiving travel variability data associated with the vehicle that includes one or more vehicle operating parameters that vary during travel of the vehicle. The example method also includes generating a travel transaction based upon the first device data of the first user device and the travel variability data associated with the vehicle. In some instances, the method includes determining a base transaction based upon the first device data that's effectuated at a first time and determining a modification to the base transaction based upon the travel variability data that's effectuated at a second time.
    Type: Application
    Filed: November 21, 2023
    Publication date: March 21, 2024
    Inventor: Chris Theodore Kalaboukis
  • Patent number: 11933623
    Abstract: Methods, apparatuses, and computer program products are disclosed for providing dynamic travel transactions. An example computer-implemented method includes receiving first device data of a first user device associated with a first user. The first device data includes first trip data of a vehicle and the first user. The example method further includes receiving travel variability data associated with the vehicle that includes one or more vehicle operating parameters that vary during travel of the vehicle. The example method also includes generating a travel transaction based upon the first device data of the first user device and the travel variability data associated with the vehicle. In some instances, the method includes determining a base transaction based upon the first device data that's effectuated at a first time and determining a modification to the base transaction based upon the travel variability data that's effectuated at a second time.
    Type: Grant
    Filed: September 25, 2020
    Date of Patent: March 19, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Chris Theodore Kalaboukis
  • Patent number: 11907873
    Abstract: Systems, methods, and computer-readable media for matching a job to a plurality of workers are described herein. A user device is associated with a worker from the plurality of workers. A processing circuit is structured to receive an electronic request. The electronic request comprises a data set related to the job. The processing circuit is further structured to generate a local disaster data set and a test requirement data set. The processing circuit is further structured to select at least one worker. The processing circuit is further structured to cause a client application deployed to the user device to display an electronic notification comprising at least in part the data set related to the job, a risk level rating, a risk level pay premium corresponding to the risk level rating, and an accept control structured to allow the worker to accept the job.
    Type: Grant
    Filed: January 12, 2021
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz
  • Patent number: 11907346
    Abstract: Systems and methods may generally be used to authenticate a user. An example method may include capturing an image of a portion of a face of a user, retrieving, based on identification information, a registered model of the face from a database, and comparing the portion of the face in the captured image to a facial feature of the registered model. In response to determining that the portion of the captured image matches the facial feature of the registered model, the method may include granting access to secure content.
    Type: Grant
    Filed: January 15, 2021
    Date of Patent: February 20, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ramanathan Ramanathan, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Andres J. Saenz, Andrew J. Garner, IV, Abhijit Rao, Joon Maeng
  • Patent number: 11854074
    Abstract: A distributed computing system facilitates automatic loan agreements between syndicate participants. The system includes a blockchain comprising circuitry embodying a plurality of blockchain services. A membership service registers participants to the syndicate, generates a unique identifier for each of the participants, and verifies that a respective entity is a node on the blockchain. An oracle service retrievably stores loan terms templates provided by the participants via a centrally managed entity. A smart contracts service receives financial and/or geo-location data associated with the plurality of syndicate participants. A predictive analytics service uses the data to determine whether a first syndicate participant has an excess of funds and whether a second syndicate participant has a lack of funds. A loan service automatically facilitates a loan agreement between the first participant and the second participant.
    Type: Grant
    Filed: January 12, 2021
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Andrew J. Garner, IV, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz