Patents by Inventor Michael Chermside

Michael Chermside 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: 11893646
    Abstract: A system and method provide context to customer activity through a visual representation. In one implementation, a system may include one or more memory devices storing instructions. The system may also include one or more processors configured to execute the instructions to receive transaction data associated with a customer, and receive a request to generate a visual representation of a trip taken by the customer. The one or more processors may also be configured to determine transactions associated with a trip taken by the customer based on at least the transaction data, and generate a visual representation of the trip, the visual representation including the transactions.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: February 6, 2024
    Assignee: Capital One Services, LLC
    Inventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
  • Publication number: 20230229656
    Abstract: The disclosed systems and methods may receive a data record from either a legacy data source or a modern data source and determine whether the record satisfies a first set of validation rules. When the record fails to satisfy the first set of rules, reject the record for storage in a data store. When the record satisfies the first set of rules, determine whether the record satisfies a second set of validation rules. When the record satisfies the second set of rules, store the record in the data store with an indicator that the record satisfies the all rules. When the record fails to satisfy the second set of rules, if the source was a modern data source reject the record, and if the source was a legacy data source store the record in the data store with an indicator that it fails to satisfy the second set of rules.
    Type: Application
    Filed: March 22, 2023
    Publication date: July 20, 2023
    Inventor: Michael Chermside
  • Patent number: 11657033
    Abstract: The disclosed systems and methods may receive a data record from either a legacy data source or a modern data source and determine whether the record satisfies a first set of validation rules. When the record fails to satisfy the first set of rules, reject the record for storage in a data store. When the record satisfies the first set of rules, determine whether the record satisfies a second set of validation rules. When the record satisfies the second set of rules, store the record in the data store with an indicator that the record satisfies the all rules. When the record fails to satisfy the second set of rules, if the source was a modern data source reject the record, and if the source was a legacy data source store the record in the data store with an indicator that it fails to satisfy the second set of rules.
    Type: Grant
    Filed: October 16, 2020
    Date of Patent: May 23, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Michael Chermside
  • Publication number: 20220121645
    Abstract: The disclosed systems and methods may receive a data record from either a legacy data source or a modern data source and determine whether the record satisfies a first set of validation rules. When the record fails to satisfy the first set of rules, reject the record for storage in a data store. When the record satisfies the first set of rules, determine whether the record satisfies a second set of validation rules. When the record satisfies the second set of rules, store the record in the data store with an indicator that the record satisfies the all rules. When the record fails to satisfy the second set of rules, if the source was a modern data source reject the record, and if the source was a legacy data source store the record in the data store with an indicator that it fails to satisfy the second set of rules.
    Type: Application
    Filed: October 16, 2020
    Publication date: April 21, 2022
    Inventor: Michael Chermside
  • Publication number: 20220116372
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize the access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Application
    Filed: December 20, 2021
    Publication date: April 14, 2022
    Inventor: Michael Chermside
  • Patent number: 11206247
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize the access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: December 21, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Michael Chermside
  • Patent number: 11107165
    Abstract: A system and method provide context to customer activity through a visual representation. In one implementation, a system may include one or more memory devices storing instructions. The system may also include one or more processors configured to execute the instructions to receive transaction data associated with a customer, and receive a request to generate a visual representation of a trip taken by the customer. The one or more processors may also be configured to determine transactions associated with a trip taken by the customer based on at least the transaction data, and generate a visual representation of the trip, the visual representation including the transactions.
    Type: Grant
    Filed: June 10, 2020
    Date of Patent: August 31, 2021
    Assignee: Capital One Services, LLC
    Inventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
  • Patent number: 10685406
    Abstract: A system and method provide context to customer activity through a visual representation. In one implementation, a system may include one or more memory devices storing instructions. The system may also include one or more processors configured to execute the instructions to receive transaction data associated with a customer, and receive a request to generate a visual representation of a trip taken by the customer. The one or more processors may also be configured to determine transactions associated with a trip taken by the customer based on at least the transaction data, and generate a visual representation of the trip, the visual representation including the transactions.
    Type: Grant
    Filed: February 26, 2015
    Date of Patent: June 16, 2020
    Assignee: Capital One Services, LLC
    Inventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
  • Publication number: 20200036692
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize the access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Application
    Filed: October 1, 2019
    Publication date: January 30, 2020
    Inventor: Michael Chermside
  • Patent number: 10432598
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize the access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Grant
    Filed: December 23, 2014
    Date of Patent: October 1, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Michael Chermside
  • Publication number: 20180137577
    Abstract: A system and method provide context to customer activity through a visual representation, in one implementation, a system may include one or more memory devices storing instructions. The system may also include one or more processors configured to execute the instructions to receive transaction data associated with a customer, and receive a request to generate a visual representation of a trip taken by the customer. The one or more processors may also be configured to determine transactions associated with a trip taken by the customer based on at least the transaction data, and generate a visual representation of the trip, the visual representation including the transactions.
    Type: Application
    Filed: December 27, 2017
    Publication date: May 17, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Alex NIDERBERG, Colin HART, Ryan WEBB, Michael CHERMSIDE
  • Publication number: 20150113608
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize the access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Application
    Filed: December 23, 2014
    Publication date: April 23, 2015
    Inventor: Michael Chermside
  • Patent number: 8955067
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Grant
    Filed: September 12, 2012
    Date of Patent: February 10, 2015
    Assignee: Capital One, NA
    Inventor: Michael Chermside
  • Publication number: 20140075516
    Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.
    Type: Application
    Filed: September 12, 2012
    Publication date: March 13, 2014
    Inventor: Michael Chermside