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).
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Patent number: 12288265Abstract: In some embodiments, transaction data associated with a user may be processed based on one or more criteria indicative of a trip to determine transactions related to the trip. Based on a comparison between geolocation data associated with stored images and location data associated with the transactions, a visual representation derived from the images may be generated, where the visual representation indicates correlations between the images and the transactions determined to be related to the trip. Display instructions for displaying the visual representation on a client device of the user may be provided to the client device.Type: GrantFiled: February 3, 2024Date of Patent: April 29, 2025Assignee: Capital One Services, LLCInventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
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Patent number: 12135708Abstract: 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: GrantFiled: March 22, 2023Date of Patent: November 5, 2024Assignee: CAPITAL ONE SERVICES, LLCInventor: Michael Chermside
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Patent number: 11893646Abstract: 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: GrantFiled: August 30, 2021Date of Patent: February 6, 2024Assignee: Capital One Services, LLCInventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
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Publication number: 20230229656Abstract: 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: ApplicationFiled: March 22, 2023Publication date: July 20, 2023Inventor: Michael Chermside
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Patent number: 11657033Abstract: 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: GrantFiled: October 16, 2020Date of Patent: May 23, 2023Assignee: CAPITAL ONE SERVICES, LLCInventor: Michael Chermside
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SYSTEMS AND METHODS FOR MAINTAINING DATA QUALITY IN A DATA STORE WITH BOTH LOW and HIGH QUALITY DATA
Publication number: 20220121645Abstract: 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: ApplicationFiled: October 16, 2020Publication date: April 21, 2022Inventor: Michael Chermside -
Publication number: 20220116372Abstract: 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: ApplicationFiled: December 20, 2021Publication date: April 14, 2022Inventor: Michael Chermside
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Patent number: 11206247Abstract: 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: GrantFiled: October 1, 2019Date of Patent: December 21, 2021Assignee: CAPITAL ONE SERVICES, LLCInventor: Michael Chermside
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Patent number: 11107165Abstract: 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: GrantFiled: June 10, 2020Date of Patent: August 31, 2021Assignee: Capital One Services, LLCInventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
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Patent number: 10685406Abstract: 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: GrantFiled: February 26, 2015Date of Patent: June 16, 2020Assignee: Capital One Services, LLCInventors: Alex Niderberg, Colin Hart, Ryan Webb, Michael Chermside
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Publication number: 20200036692Abstract: 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: ApplicationFiled: October 1, 2019Publication date: January 30, 2020Inventor: Michael Chermside
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Patent number: 10432598Abstract: 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: GrantFiled: December 23, 2014Date of Patent: October 1, 2019Assignee: CAPITAL ONE SERVICES, LLCInventor: Michael Chermside
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Publication number: 20150113608Abstract: 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: ApplicationFiled: December 23, 2014Publication date: April 23, 2015Inventor: Michael Chermside
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Patent number: 8955067Abstract: 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: GrantFiled: September 12, 2012Date of Patent: February 10, 2015Assignee: Capital One, NAInventor: Michael Chermside
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Publication number: 20140075516Abstract: 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: ApplicationFiled: September 12, 2012Publication date: March 13, 2014Inventor: Michael Chermside