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).
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Publication number: 20260121913Abstract: 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: ApplicationFiled: September 3, 2025Publication date: April 30, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
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Publication number: 20260121912Abstract: 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: ApplicationFiled: September 3, 2025Publication date: April 30, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
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Publication number: 20260121911Abstract: 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: ApplicationFiled: July 31, 2025Publication date: April 30, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
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Publication number: 20260111521Abstract: 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: ApplicationFiled: October 30, 2025Publication date: April 23, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260111342Abstract: 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: ApplicationFiled: October 30, 2025Publication date: April 23, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
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Publication number: 20260099423Abstract: 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: ApplicationFiled: March 28, 2025Publication date: April 9, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
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Publication number: 20260099424Abstract: 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: ApplicationFiled: October 30, 2025Publication date: April 9, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
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Publication number: 20260073026Abstract: 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: ApplicationFiled: November 13, 2025Publication date: March 12, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260073025Abstract: 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: ApplicationFiled: November 10, 2025Publication date: March 12, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057041Abstract: 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: ApplicationFiled: February 14, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057047Abstract: 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: ApplicationFiled: October 31, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057043Abstract: 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: ApplicationFiled: October 21, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057042Abstract: 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: ApplicationFiled: October 21, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057046Abstract: 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: ApplicationFiled: October 30, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057044Abstract: 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: ApplicationFiled: October 30, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057045Abstract: 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: ApplicationFiled: October 30, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260044393Abstract: 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: ApplicationFiled: December 6, 2024Publication date: February 12, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Brian WARGO, Jerold XING
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Publication number: 20250315509Abstract: 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: ApplicationFiled: November 8, 2024Publication date: October 9, 2025Applicant: The PNC Financial Services Group, Inc.Inventors: Brian WARGO, Jerold XING