Patents by Inventor Jacob Creech
Jacob Creech 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: 20240320367Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: ApplicationFiled: January 23, 2024Publication date: September 26, 2024Applicant: Capital One Services, LLCInventors: Dinesh SUNDARAM, Rajaboopathy VIJAYARAGHAVAN, Sanjiv YAJNIK, Raman BAJAJ, Jacques MOREL, Trent JONES, Thomas SICKERT, Jacob CREECH, Alan ILANGO, Alex BAIRD, Vikramaditya REPAKA, Hala Salim EL-ALI
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Publication number: 20240202364Abstract: The system and methods described herein allow users to give their applicant information to at least one entity when seeking to submit an inquiry associated with an item, and have various lender microservices run in parallel, segregated by entity, in a jailed environment. The result of these microservices may be returned as a response to the inquiry, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed environment due to outputs from the environment being encrypted in a universal format.Type: ApplicationFiled: March 5, 2024Publication date: June 20, 2024Applicant: Capital One Services, LLCInventors: Dinesh SUNDARAM, Raman BAJAJ, Jacques MOREL, Sanjiv YAJNIK, Trent JONES, Alan ILANGO, Jacob CREECH, Avijit SARKAR, Rajaboopathy VIJAYARAGHAVAN, Ishu GUPTA, Thomas SICKERT
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Publication number: 20240184774Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: ApplicationFiled: February 14, 2024Publication date: June 6, 2024Inventor: Jacob Creech
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Patent number: 11934388Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: GrantFiled: March 6, 2023Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventor: Jacob Creech
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Patent number: 11935003Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.Type: GrantFiled: May 22, 2020Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Raman Bajaj, Jacques Morel, Sanjiv Yajnik, Trent Jones, Alan Ilango, Jacob Creech, Avijit Sarkar, Rajaboopathy Vijayaraghavan, Ishu Gupta, Thomas Sickert
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Patent number: 11935002Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird, Vikramaditya Repaka, Hala Salim El-Ali
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Publication number: 20230267414Abstract: Described herein is a system, method, and non-transitory computer readable medium related to a service provider using a third party identity provider to authenticate a user with improved security. An authentication token is received from the identity provider, and can be verified against internal configuration information. The internal configuration information includes data that is not included in the authentication token, and therefore, is not vulnerable to some security attacks, such as a man-in-the-middle attack. After the authentication token is verified, the internal configuration information and authentication token may be used to create a custom identifier, referred to as an identity ID. The identity ID may be used by the service provider to verify user access to resources.Type: ApplicationFiled: May 1, 2023Publication date: August 24, 2023Applicant: Capital One Services, LLCInventors: Dinesh SUNDARAM, Jacob CREECH
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Publication number: 20230205765Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Inventor: Jacob Creech
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Patent number: 11669805Abstract: Described herein is a system, method, and non-transitory computer readable medium related to a service provider using a third party identity provider to authenticate a user with improved security. An authentication token is received from the identity provider, and can be verified against internal configuration information. The internal configuration information includes data that is not included in the authentication token, and therefore, is not vulnerable to some security attacks, such as a man-in-the-middle attack. After the authentication token is verified, the internal configuration information and authentication token may be used to create a custom identifier, referred to as an identity ID. The identity ID may be used by the service provider to verify user access to resources.Type: GrantFiled: May 22, 2020Date of Patent: June 6, 2023Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Jacob Creech
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Patent number: 11625391Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: GrantFiled: June 28, 2022Date of Patent: April 11, 2023Assignee: Capital One Services, LLCInventor: Jacob Creech
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Publication number: 20220327115Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: ApplicationFiled: June 28, 2022Publication date: October 13, 2022Inventor: Jacob Creech
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Patent number: 11461843Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: October 4, 2022Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird
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Patent number: 11430059Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.Type: GrantFiled: May 22, 2020Date of Patent: August 30, 2022Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Rajaboopathy Vijayaraghavan, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Trent Jones, Thomas Sickert, Jacob Creech, Alan Ilango, Alex Baird
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Patent number: 11386080Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: GrantFiled: August 23, 2019Date of Patent: July 12, 2022Assignee: Capital One Services, LLCInventor: Jacob Creech
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Publication number: 20220171770Abstract: Methods, media and systems for providing search results are disclosed. A data set is received at a computing device of a first party from a client device associated with a second party. The data set is constructed based on a set of rules established by the second party, where one portion is inaccessible to the first party, while another portion is accessible to the first party. The accessible portion includes at least an information tag or a threshold value related to corresponding fields in the records. A set of records to be queried is eliminated based on at least one information tag or at least one threshold value. The remainder is searched at the computing device of the first party resulting in a set of search results. At least a portion of the search results are transmitted from the computing device of the first party to the second party.Type: ApplicationFiled: November 30, 2020Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Jacob CREECH, David GILLAM, Alex BAIRD, Eduardo Alberto Gonzalez GARCIA
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Publication number: 20210243010Abstract: Systems and methods as described herein may include creating and monitoring workflows in a blockchain network. A workflow may be implemented by using a smart contract or the steps in the workflow may be recorded in a distributed ledger in a blockchain network. Completion of a workflow step may be verified by identifying a blockchain transaction executed by the workflow step performer assigned to the workflow step. The blockchain transaction is associated with encryption keys of the workflow step performer assigned to the workflow step. The completion of the execution of a workflow may be verified by determining whether the status of the last workflow step is complete, and identifying a blockchain transaction associated with encryption keys of the workflow step performer assigned to the last workflow step.Type: ApplicationFiled: April 20, 2021Publication date: August 5, 2021Inventors: Jayaraman Ganeshmani, Jacob Creech
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Patent number: 11018853Abstract: Systems and methods as described herein may include creating and monitoring workflows in a blockchain network. A workflow may be implemented by using a smart contract or the steps in the workflow may be recorded in a distributed ledger in a blockchain network. Completion of a workflow step may be verified by identifying a blockchain transaction executed by the workflow step performer assigned to the workflow step. The blockchain transaction is associated with encryption keys of the workflow step performer assigned to the workflow step. The completion of the execution of a workflow may be verified by determining whether the status of the last workflow step is complete, and identifying a blockchain transaction associated with encryption keys of the workflow step performer assigned to the last workflow step.Type: GrantFiled: April 13, 2020Date of Patent: May 25, 2021Assignee: Capital One Services, LLCInventors: Jayaraman Ganeshmani, Jacob Creech
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Publication number: 20210058353Abstract: Systems, as described herein, may include authorizing message transmission from message producers to message consumers in a variety of systems. Smart contracts in blockchain networks may be used to authorize messages from message producers to be sent to the consumers. Distributed ledgers in the blockchain network may be used to store messages authorized by the smart contracts and records of events related to the messages.Type: ApplicationFiled: August 23, 2019Publication date: February 25, 2021Inventors: Jacob Creech, Jayaraman Ganeshmani
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Publication number: 20210056094Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.Type: ApplicationFiled: August 23, 2019Publication date: February 25, 2021Inventor: Jacob Creech
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Publication number: 20210058232Abstract: Systems and methods as described herein may include creating and monitoring workflows in a blockchain network. A workflow may be implemented by using a smart contract or the steps in the workflow may be recorded in a distributed ledger in a blockchain network. Completion of a workflow step may be verified by identifying a blockchain transaction executed by the workflow step performer assigned to the workflow step. The blockchain transaction is associated with encryption keys of the workflow step performer assigned to the workflow step. The completion of the execution of a workflow may be verified by determining whether the status of the last workflow step is complete, and identifying a blockchain transaction associated with encryption keys of the workflow step performer assigned to the last workflow step.Type: ApplicationFiled: April 13, 2020Publication date: February 25, 2021Inventors: Jayaraman Ganeshmani, Jacob Creech