Patents by Inventor Jerold XING

Jerold XING 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).

  • Publication number: 20260121913
    Abstract: This application is directed to systems and methods for delivering notification for a user identification. An exemplary system may include memory configured to store instructions and at least one processor in electronic communication with the memory. The at least one processor is configured to execute the instructions to obtain a notification preference profile associated with the user identification, receive an alert trigger message associated with the user identification, determine whether to send the notification based on the alert trigger message and the notification preference profile, upon determining to send the notification, determine whether to send the notification in real time or at a scheduled time, and in response to determining to send the notification in real time: generate a real-time alert based on the notification preference profile and send a real-time notification message based on the real-time alert to a user device associated with the user identification.
    Type: Application
    Filed: September 3, 2025
    Publication date: April 30, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
  • Publication number: 20260121912
    Abstract: This application is directed to systems and methods for delivering notification for a user identification. An exemplary system may include memory configured to store instructions and at least one processor in electronic communication with the memory. The at least one processor is configured to execute the instructions to obtain a notification preference profile associated with the user identification, receive an alert trigger message associated with the user identification, determine whether to send the notification based on the alert trigger message and the notification preference profile, upon determining to send the notification, determine whether to send the notification in real time or at a scheduled time, and in response to determining to send the notification in real time: generate a real-time alert based on the notification preference profile and send a real-time notification message based on the real-time alert to a user device associated with the user identification.
    Type: Application
    Filed: September 3, 2025
    Publication date: April 30, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
  • Publication number: 20260121911
    Abstract: This application is directed to systems and methods for delivering notification for a user identification. An exemplary system may include memory configured to store instructions and at least one processor in electronic communication with the memory. The at least one processor is configured to execute the instructions to obtain a notification preference profile associated with the user identification, receive an alert trigger message associated with the user identification, determine whether to send the notification based on the alert trigger message and the notification preference profile, upon determining to send the notification, determine whether to send the notification in real time or at a scheduled time, and in response to determining to send the notification in real time: generate a real-time alert based on the notification preference profile and send a real-time notification message based on the real-time alert to a user device associated with the user identification.
    Type: Application
    Filed: July 31, 2025
    Publication date: April 30, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
  • Publication number: 20260111521
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 30, 2025
    Publication date: April 23, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260111342
    Abstract: This application is directed to systems and methods for monitoring synthetic application operations and handling application operation errors by runbooks. An exemplary system may include a memory storing instructions and at least one processor configured to execute the instructions to send a permission request message for a synthetic application operation to a permission server; receive a permission acknowledgment message for the synthetic application operation from the permission server, the permission acknowledgment message including a permission for monitoring a plurality of endpoints in an application, wherein the application is configured for performing the application operations; send a monitor request for monitoring the synthetic application operation to an application monitor process after receiving the permission acknowledgment message; send a request for the synthetic application operation to the application; and send a payload of the synthetic application operation to an event monitor process.
    Type: Application
    Filed: October 30, 2025
    Publication date: April 23, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
  • Publication number: 20260099423
    Abstract: This application is directed to systems and methods for monitoring synthetic application operations and handling application operation errors by runbooks. An exemplary system may include a memory storing instructions and at least one processor configured to execute the instructions to send a permission request message for a synthetic application operation to a permission server; receive a permission acknowledgment message for the synthetic application operation from the permission server, the permission acknowledgment message including a permission for monitoring a plurality of endpoints in an application, wherein the application is configured for performing the application operations; send a monitor request for monitoring the synthetic application operation to an application monitor process after receiving the permission acknowledgment message; send a request for the synthetic application operation to the application; and send a payload of the synthetic application operation to an event monitor process.
    Type: Application
    Filed: March 28, 2025
    Publication date: April 9, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
  • Publication number: 20260099424
    Abstract: This application is directed to systems and methods for monitoring synthetic application operations and handling application operation errors by runbooks. An exemplary system may include a memory storing instructions and at least one processor configured to execute the instructions to send a permission request message for a synthetic application operation to a permission server; receive a permission acknowledgment message for the synthetic application operation from the permission server, the permission acknowledgment message including a permission for monitoring a plurality of endpoints in an application, wherein the application is configured for performing the application operations; send a monitor request for monitoring the synthetic application operation to an application monitor process after receiving the permission acknowledgment message; send a request for the synthetic application operation to the application; and send a payload of the synthetic application operation to an event monitor process.
    Type: Application
    Filed: October 30, 2025
    Publication date: April 9, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
  • Publication number: 20260073026
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: November 13, 2025
    Publication date: March 12, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260073025
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: November 10, 2025
    Publication date: March 12, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057041
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: February 14, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057047
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 31, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057043
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 21, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057042
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 21, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057046
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 30, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057044
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 30, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260057045
    Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.
    Type: Application
    Filed: October 30, 2025
    Publication date: February 26, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, JEROLD XING
  • Publication number: 20260044393
    Abstract: A computer-implemented system for collecting and distributing digital information, which may include: a channel application and a plurality of micro-applications, hosted within the channel application and deployed on a server, configured to perform one or more functions, and each including a front-end interface receiving a first digital information from a user and displaying a second digital information to the user through a Micro-User Interface and an outer API transferring the first digital information to a database and retrieving the second digital information from the database by orchestrating one or more calls to at least one inner API, wherein the front-end interface, the outer API, and the at least one inner API are deployed within a single pod configured to isolate and enable exchange of the first and second digital information between the front-end interface, the outer API, and the at least one inner API.
    Type: Application
    Filed: December 6, 2024
    Publication date: February 12, 2026
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Michael NITSOPOULOS, Brian WARGO, Jerold XING
  • Publication number: 20250315509
    Abstract: The disclosed embodiments describe systems and methods for providing an automated governance platform for software development. A user selection of a policy of a plurality may be received. The policy may be comprised of policy code provided by a user during the software development. A user selection of current version or a previous version of the selected policy may be selected. The policy code may be compared to the code provided by the user. Based on the comparison, an outcome may be determined. The outcome may be comprised of a plurality of respective outcomes corresponding to each of the plurality of policy requirements. Each of the plurality of respective outcomes may be indicative of whether each corresponding policy requirement is satisfied, not satisfied, not required, or unavailable. The outcome of the application may be provided. The outcome may restrict or permit the change to the code.
    Type: Application
    Filed: November 8, 2024
    Publication date: October 9, 2025
    Applicant: The PNC Financial Services Group, Inc.
    Inventors: Brian WARGO, Jerold XING