Patents by Inventor Michael F. Roche
Michael F. Roche 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: 11436603Abstract: A system and method include receiving, by an authentication system, device data of a computing device used by a customer during a checkout process of a current transaction on a merchant website and contextual data of the customer. The system and method also include retrieving a customer token associated with a payment instrument of the customer, assigning the computing device a device score and the customer a customer score based on the device data and the contextual data, and computing an overall score from the device score and the customer score. The system and method further include determining from the overall score that the current transaction is not fraudulent before the current transaction is completed and auto-filling payment information of the payment instrument in the customer token during the checkout process of the merchant website to complete the current transaction upon determining that the current transaction is not fraudulent.Type: GrantFiled: October 18, 2018Date of Patent: September 6, 2022Assignee: U.S. Bancorp, National AssociationInventors: Michael F. Roche, Kevin Salaman
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Publication number: 20200126085Abstract: A system and method include receiving, by an authentication system, device data of a computing device used by a customer during a checkout process of a current transaction on a merchant website and contextual data of the customer. The system and method also include retrieving a customer token associated with a payment instrument of the customer, assigning the computing device a device score and the customer a customer score based on the device data and the contextual data, and computing an overall score from the device score and the customer score. The system and method further include determining from the overall score that the current transaction is not fraudulent before the current transaction is completed and auto-filling payment information of the payment instrument in the customer token during the checkout process of the merchant website to complete the current transaction upon determining that the current transaction is not fraudulent.Type: ApplicationFiled: October 18, 2018Publication date: April 23, 2020Applicant: U.S. Bancorp, National AssociationInventors: Michael F. Roche, Kevin Salaman
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Patent number: 5942345Abstract: A carbonate electrolyte of the Li/Na or CaBaLiNa system. The Li/Na carbonate has a composition displaced from the eutectic composition to diminish segregation effects in a molten carbonate fuel cell. The CaBaLiNa system includes relatively small amounts of Ca.sub.2 CO.sub.3 and BaCO.sub.3, and preferably of equimolar amounts. The presence of both Ca and BaCO.sub.3 enables lower temperature fuel cell operation.Type: GrantFiled: August 11, 1997Date of Patent: August 24, 1999Assignee: University of ChicagoInventors: Thomas D. Kaun, Michael F. Roche
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Patent number: 4659637Abstract: A secondary electrochemical cell with sodium-sulfur or other molten reactants is provided with a ionically conductive glass electrolyte. The cell is contained within an electrically conductive housing with a first portion at negative potential and a second portion insulated therefrom at positive electrode potential. The glass electrolyte is formed into a plurality of elongated tubes and placed lengthwise within the housing. The positive electrode material, for instance sulfur, is sealed into the glass electrolyte tubes and is provided with an elongated axial current collector. The glass electrolyte tubes are protected by shield tubes or sheets that also define narrow annuli for wicking of the molten negative electrode material.Type: GrantFiled: April 17, 1986Date of Patent: April 21, 1987Assignee: The United States of America as represented by the United States Department of EnergyInventors: Paul A. Nelson, Ira D. Bloom, Michael F. Roche
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Patent number: 4544614Abstract: An ionically conductive glass is disclosed for use as electrolyte in a high temperature electrochemical cell, particularly a cell with sodium anode and sulfur cathode. The glass includes the constituents Na.sub.2 O, ZrO.sub.2, Al.sub.2 O.sub.3 and SiO.sub.2 in selected proportions to be a single phase solid solution substantially free of crystalline regions and undissolved constituents. Other advantageous properties are an ionic conductivity in excess of 2.times.10.sup.-3 (ohm-cm).sup.-1 at 300.degree. C. and a glass transition temperature in excess of 500.degree. C.Type: GrantFiled: January 8, 1985Date of Patent: October 1, 1985Assignee: The United States of America as represented by the United States Department of EnergyInventors: Gene H. Kucera, Michael F. Roche
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Patent number: 4156758Abstract: A high-temperature, secondary electrochemical cell that employs FeS as the positive electrode reactant and lithium or lithium alloy as the negative electrode reactant includes an improved electrolyte composition. The electrolyte comprises about 60-70 mole percent LiCl and 30-40 percent mole percent KCl which includes LiCl in excess of the eutectic composition. The use of this electrolyte suppresses formation of the J phase and thereby improves the utilization of positive electrode active material during cell cycling.Type: GrantFiled: August 9, 1978Date of Patent: May 29, 1979Assignee: The United States of America as represented by the United States Department of EnergyInventors: Donald R. Vissers, Zygmunt Tomczuk, Karl E. Anderson, Michael F. Roche
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Patent number: 4065602Abstract: An electrode system includes a reservoir of liquid-metal reactant, and a wick extending from a submersed location within the reservoir into the molten electrolyte of an electrochemical cell structure. The wick is flooded with the liquid metal and thereby serves as one electrode within the cell. This electrode system has application in high-temperature batteries employing molten alkali metals or their alloys as active material within an electrode submersed within a molten salt electrolyte. It also can be used in electrochemical cells where the purification, separation or electrowinning of liquid metals is accomplished.Type: GrantFiled: March 24, 1977Date of Patent: December 27, 1977Assignee: The United States of America as represented by the United States Energy Research and Development AdministrationInventors: Michael F. Roche, Suzan M. Faist, James G. Eberhart, Laurids E. Ross
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Patent number: 3980495Abstract: Calcium alloys such as calcium-aluminum and calcium-silicon, are employed as active material within a rechargeable negative electrode of an electrochemical cell. Such cells can use a molten salt electrolyte including calcium ions and a positive electrode having sulfur, sulfides, or oxides as active material. The calcium alloy is selected to prevent formation of molten calcium alloys resulting from reaction with the selected molten electrolytic salt at the cell operating temperatures.Type: GrantFiled: December 19, 1975Date of Patent: September 14, 1976Assignee: The United States of America as represented by the United States Energy Research and Development AdministrationInventors: Michael F. Roche, Sandra K. Preto, Allan E. Martin
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Patent number: 3941566Abstract: A hollow iron capsule of annular shape having an interior layer of Fe.sub.0.947 0 and a near absolute internal vacuum is submersed within a molten metal with the inner chamber of the capsule connected to a pressure sensor. Carbon present in the molten metal diffuses through the capsule wall and reacts with the Fe.sub.0.947 0 layer to generate a CO.sub.2 --CO gas mixture within the internal chamber. The total absolute pressure of the gas measured by the pressure sensor is directly proportional to the carbon activity of the molten metal.Type: GrantFiled: January 10, 1975Date of Patent: March 2, 1976Assignee: The United States of America as represented by the United States Energy Research and Development AdministrationInventor: Michael F. Roche
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Patent number: RE30392Abstract: An electrode system includes a reservoir of liquid-metal reactant, and a wick extending from a submersed location within the reservoir into the molten electrolyte of an electrochemical cell structure. The wick is flooded with the liquid metal and thereby serves as one electrode within the cell. This electrode system has application in high-temperature batteries employing molten alkali metals or their alloys as active material within an electrode submersed within a molten salt electrolyte. It also can be used in electrochemical cells where the purification, separation or electrowinning of liquid metals is accomplished.Type: GrantFiled: September 7, 1978Date of Patent: September 2, 1980Assignee: The United States of America as represented by the United States Department of EnergyInventors: Michael F. Roche, Suzan M. Faist, James G. Eberhart, Laurids E. Ross