Patents by Inventor David Smit

David Smit 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: 12646074
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: August 26, 2024
    Date of Patent: June 2, 2026
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Patent number: 12646075
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: August 26, 2024
    Date of Patent: June 2, 2026
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, David Smit, Brian T. Burnett
  • Patent number: 12614186
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Grant
    Filed: January 13, 2025
    Date of Patent: April 28, 2026
    Assignee: Capital One Services, LLC
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Publication number: 20260010910
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Application
    Filed: July 29, 2025
    Publication date: January 8, 2026
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Patent number: 12400235
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: June 7, 2024
    Date of Patent: August 26, 2025
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Publication number: 20250148476
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Application
    Filed: January 13, 2025
    Publication date: May 8, 2025
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Patent number: 12198143
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Grant
    Filed: January 12, 2023
    Date of Patent: January 14, 2025
    Assignee: Capital One Services, LLC
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Patent number: 12198141
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Grant
    Filed: January 12, 2023
    Date of Patent: January 14, 2025
    Assignee: Capital One Services, LLC
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Patent number: 12198142
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Grant
    Filed: January 12, 2023
    Date of Patent: January 14, 2025
    Assignee: Capital One Services, LLC
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Publication number: 20240420152
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Application
    Filed: August 26, 2024
    Publication date: December 19, 2024
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Publication number: 20240420153
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Application
    Filed: August 26, 2024
    Publication date: December 19, 2024
    Inventors: Earle Michael Lee, David Smit, Brian T. Burnett
  • Patent number: 12118565
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: December 8, 2022
    Date of Patent: October 15, 2024
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, David Smit, Brian T. Burnett
  • Publication number: 20240330940
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Application
    Filed: June 7, 2024
    Publication date: October 3, 2024
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Patent number: 12100009
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: December 8, 2022
    Date of Patent: September 24, 2024
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Patent number: 12100010
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: December 8, 2022
    Date of Patent: September 24, 2024
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, David Smit, Brian T. Burnett
  • Patent number: 12045833
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Grant
    Filed: December 8, 2022
    Date of Patent: July 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, Brian T. Burnett, David Smit
  • Publication number: 20230230098
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Application
    Filed: January 12, 2023
    Publication date: July 20, 2023
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Publication number: 20230230097
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Application
    Filed: January 12, 2023
    Publication date: July 20, 2023
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Danovan, Leonard Ports, Dustin Deal, David Smit
  • Publication number: 20230144396
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are processed, the transactions may require access to a resource (e.g., a key value in a database). A microservice processing the transaction may request, from a locking microservice, a lock for the resource. The locking microservice may query a local cache to determine whether a lock exists for the resource. If the local cache determines that no lock exists for resource, the locking mechanism may employ a consensus protocol to obtain a lock for the resource from a plurality of clusters. If consensus is reached, a lock for the resource may be granted to the requesting microservice.
    Type: Application
    Filed: January 12, 2023
    Publication date: May 11, 2023
    Inventors: Brian T. Burnett, Shane Champion, John Beach, Jordan May, Earle Michael Lee, Logan Donovan, Leonard Ports, Dustin Deal, David Smit
  • Publication number: 20230108180
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for pausing the processing of transactions during a workflow. Other aspects may provide for a messaging microservice that permits communications between the transaction exchange platform and external third-parties.
    Type: Application
    Filed: December 8, 2022
    Publication date: April 6, 2023
    Inventors: Earle Michael Lee, David Smit, Brian T. Burnett