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).

  • Patent number: 11436603
    Abstract: 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: Grant
    Filed: October 18, 2018
    Date of Patent: September 6, 2022
    Assignee: U.S. Bancorp, National Association
    Inventors: Michael F. Roche, Kevin Salaman
  • Publication number: 20200126085
    Abstract: 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: Application
    Filed: October 18, 2018
    Publication date: April 23, 2020
    Applicant: U.S. Bancorp, National Association
    Inventors: Michael F. Roche, Kevin Salaman
  • Patent number: 5942345
    Abstract: 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: Grant
    Filed: August 11, 1997
    Date of Patent: August 24, 1999
    Assignee: University of Chicago
    Inventors: Thomas D. Kaun, Michael F. Roche
  • Patent number: 4659637
    Abstract: 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: Grant
    Filed: April 17, 1986
    Date of Patent: April 21, 1987
    Assignee: The United States of America as represented by the United States Department of Energy
    Inventors: Paul A. Nelson, Ira D. Bloom, Michael F. Roche
  • Patent number: 4544614
    Abstract: 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: Grant
    Filed: January 8, 1985
    Date of Patent: October 1, 1985
    Assignee: The United States of America as represented by the United States Department of Energy
    Inventors: Gene H. Kucera, Michael F. Roche
  • Patent number: 4156758
    Abstract: 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: Grant
    Filed: August 9, 1978
    Date of Patent: May 29, 1979
    Assignee: The United States of America as represented by the United States Department of Energy
    Inventors: Donald R. Vissers, Zygmunt Tomczuk, Karl E. Anderson, Michael F. Roche
  • Patent number: 4065602
    Abstract: 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: Grant
    Filed: March 24, 1977
    Date of Patent: December 27, 1977
    Assignee: The United States of America as represented by the United States Energy Research and Development Administration
    Inventors: Michael F. Roche, Suzan M. Faist, James G. Eberhart, Laurids E. Ross
  • Patent number: 3980495
    Abstract: 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: Grant
    Filed: December 19, 1975
    Date of Patent: September 14, 1976
    Assignee: The United States of America as represented by the United States Energy Research and Development Administration
    Inventors: Michael F. Roche, Sandra K. Preto, Allan E. Martin
  • Patent number: 3941566
    Abstract: 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: Grant
    Filed: January 10, 1975
    Date of Patent: March 2, 1976
    Assignee: The United States of America as represented by the United States Energy Research and Development Administration
    Inventor: Michael F. Roche
  • Patent number: RE30392
    Abstract: 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: Grant
    Filed: September 7, 1978
    Date of Patent: September 2, 1980
    Assignee: The United States of America as represented by the United States Department of Energy
    Inventors: Michael F. Roche, Suzan M. Faist, James G. Eberhart, Laurids E. Ross