Patents by Inventor Elizabeth Polanco Aquino

Elizabeth Polanco Aquino 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: 11037142
    Abstract: Systems and methods for the application of distributed ledgers for network payments as financial exchange settlement and reconciliation are disclosed. In one embodiment, a method for processing network payments using a distributed ledger may include: (1) a payment originator initiating a payment instruction to a payment beneficiary; (2) a payment originator bank posting and committing the payment instruction to a distributed ledger on a peer-to-peer network; (3) the payment beneficiary bank posting and committing the payment instruction to the distributed ledger on a peer-to-peer network; and (4) the payment originator bank validating and processing the payment through a payment originator bank internal system and debiting an originator account.
    Type: Grant
    Filed: October 30, 2017
    Date of Patent: June 15, 2021
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Jonathan C. Hallam, Naveen Mallela, Gavin Lonsdale, Lawrence Charles Drake, Sai Murali Krishna Valiveti, Elizabeth Polanco Aquino, David Voell, Suresh Shetty, Samer Falah, William J. Lee, Leticia Pui Sze Lim, Luciane Sant'Anna
  • Patent number: 10572877
    Abstract: In certain embodiments, a computer-implemented method includes determining, by a processor, characteristics of a new transaction and processing, by the processor, the characteristics of the new transaction using a risk assessment model. The risk assessment model is generated using an iterative training process that processes, over time, historical transactions to train the risk assessment model based on characteristics of historical transactions and associated risk assessment analysis of the historical transactions. The method includes generating, by the processor, a risk assessment indicator for the new transaction based on processing the characteristics of the new transaction using the risk assessment model. The risk assessment indicator indicates a degree of risk of the new transaction.
    Type: Grant
    Filed: October 14, 2015
    Date of Patent: February 25, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Elizabeth Polanco Aquino, Vahram Avagyan
  • Publication number: 20190188652
    Abstract: The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.
    Type: Application
    Filed: February 19, 2019
    Publication date: June 20, 2019
    Inventors: John Corwin HUNTER, Palka S. PATEL, Luciane SANT'ANNA, Leticia Pui Sze LIM, Tiffany Ashley WAN, Elizabeth Polanco AQUINO, Samer FALAH, Sudhir UPADHYAY, Tulasi MOVVA, Suresh SHETTY
  • Publication number: 20180374062
    Abstract: The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.
    Type: Application
    Filed: June 22, 2018
    Publication date: December 27, 2018
    Inventors: John Corwin HUNTER, Palka S. PATEL, Luciane SANT'ANNA, Leticia Pui Sze LIM, Tiffany Ashley WAN, Elizabeth Polanco AQUINO, Samer FALAH, Sudhir UPADHYAY, Tulasi MOVVA, Suresh SHETTY
  • Publication number: 20180121911
    Abstract: Systems and methods for the application of distributed ledgers for network payments as financial exchange settlement and reconciliation are disclosed. In one embodiment, a method for processing network payments using a distributed ledger may include: (1) a payment originator initiating a payment instruction to a payment beneficiary; (2) a payment originator bank posting and committing the payment instruction to a distributed ledger on a peer-to-peer network; (3) the payment beneficiary bank posting and committing the payment instruction to the distributed ledger on a peer-to-peer network; and (4) the payment originator bank validating and processing the payment through a payment originator bank internal system and debiting an originator account.
    Type: Application
    Filed: October 30, 2017
    Publication date: May 3, 2018
    Inventors: Jonathan C. Hallam, Naveen Mallela, Gavin Lonsdale, Lawrence Charles Drake, Sai Murali Krishna Valiveti, Elizabeth Polanco Aquino, David Voell, Suresh Shetty, Samer Falah, William J. Lee, Leticia Pui Sze Lim, Luciane Sant'Anna
  • Publication number: 20160104163
    Abstract: In certain embodiments, a computer-implemented method includes determining, by a processor, characteristics of a new transaction and processing, by the processor, the characteristics of the new transaction using a risk assessment model. The risk assessment model is generated using an iterative training process that processes, over time, historical transactions to train the risk assessment model based on characteristics of historical transactions and associated risk assessment analysis of the historical transactions. The method includes generating, by the processor, a risk assessment indicator for the new transaction based on processing the characteristics of the new transaction using the risk assessment model. The risk assessment indicator indicates a degree of risk of the new transaction.
    Type: Application
    Filed: October 14, 2015
    Publication date: April 14, 2016
    Inventors: Elizabeth Polanco Aquino, Vahram Avagyan