Patents by Inventor Michael Knorr

Michael Knorr 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: 12271904
    Abstract: A system including a processing circuit configured to collect at least first contact information of a beneficiary, identify a risk associated with the beneficiary, automatically calculate a risk score for an electronic transaction based on the risk, determine that the risk score exceeds a first threshold value and displaying a notification on the user device associated with the electronic transaction, receive data from the user device, wherein the data includes at least second contact information corresponding to the beneficiary, compare the first contact information and the second contact information with additional data, wherein comparing includes analyzing the call records or the emails and determining that a user conducted at least one mitigation activity of the displayed mitigation activities, recalculate the risk score based on the at least one mitigation activity, and display the recalculated risk score on the user device.
    Type: Grant
    Filed: August 11, 2022
    Date of Patent: April 8, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kelley A. Chamberlain, David J. Dietrich, Michael Knorr, Robert L. Kosicki, Valeria J. Gray-Lindsey, Duane F. Lindquist, Michael Mangieri, Maria V. Marmolejos, Jacqueline A. Monteferrario, Yonesy F. Nunez, Leonard J. Valentino
  • Publication number: 20250102614
    Abstract: A marking for position determination. The marking includes an indicator surface which is arranged at least partially in a first plane and on which a large number of different indicators is arranged, and a viewing area which is arranged in a second plane located in front of the first plane in an intended viewing direction and which is configured in such a way that it defines a viewing point through which the indicator surface in the first plane is to be viewed in order to read an indicator from the large number of different indicators. An associated camera system and an associated positioning system are also described.
    Type: Application
    Filed: January 30, 2023
    Publication date: March 27, 2025
    Inventor: Moritz Michael Knorr
  • Publication number: 20250086619
    Abstract: A method including receiving a signcrypted cross-border payment message, the signcrypted cross-border payment message generated by signcrypting a cross-border payment message using a first financial institution public key, a first financial institution private key, and a second financial institution public key, retrieving the first financial institution public key, the second financial institution public key, and a second financial institution private key, wherein the second financial institution public key and the second financial institution private key are part of a public/private key pair, unsigncrypting the signcrypted cross-border payment message using the first financial institution public key, the second financial institution public key, and the second financial institution private key to retrieve the cross-border payment message, and verifying that the first financial institution public key is associated with a first financial institution.
    Type: Application
    Filed: November 22, 2024
    Publication date: March 13, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Ashia Kennon, Catherine Wangari Mwangi, Jal Daruwalla, Joanne Strobel-Cort, Lynnel J. Kresse, Michael Knorr
  • Patent number: 12236405
    Abstract: Systems, methods, and apparatuses for real-time trickle payments are provided. A system includes a processing circuit configured to: receive a request from a consumer device to commission a service provided by a supplier; place a financial hold on funds allocated to a supplier financial account based on performance terms of a smart contract; detect initiation of performance of the requested service based on performance information from a mobile device associated with the supplier and correlating the performance information to the smart contract; increase a financial hold on funds allocated to a consumer financial account in a hold amount proportional to the monitored performance, and decrease the financial hold on the funds allocated to the supplier financial account in the hold amount proportional to the monitored performance; and, upon the completion of the requested service, release the funds on hold in the supplier financial account.
    Type: Grant
    Filed: July 26, 2021
    Date of Patent: February 25, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Eileen Johnstone, Michael Knorr, Thomas R. Miller, Catherine Wangari Mwangi, Mercedes Roldan-Colon, Jessica A. Weng
  • Publication number: 20250061722
    Abstract: In a method (30) for obtaining information (18a, b) about a potential object (8a, b) in a camera image (10) of a scene (2), A) the camera image (10) is provided as a single 2D camera image, B) potential objects (8a, b) are detected in the camera image (10), C) a frame projection (14a, b) of a 3D frame (16) directly surrounding the object (8a, b) into the camera image (10) is determined for at least one of the detected objects (8a, b) as at least part of the information (18a, b), wherein steps B) and C) are each performed with the aid of a neural network (32).
    Type: Application
    Filed: August 15, 2024
    Publication date: February 20, 2025
    Inventors: Andreas Wellhausen, Emil Schreiber, Florian Richter, Gregor Blott, Matthias Kirschner, Moritz Michael Knorr, Nils Zerrer, Sven Wagner
  • Publication number: 20250016004
    Abstract: Systems, methods, and computer-readable storage media of template-based digital asset exchanges using a public key cryptography (PKC) framework. One method includes storing a plurality of exchange templates, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset. The method further includes receiving an environmental dataset, and selecting, utilizing the environmental dataset, an exchange template of the plurality of exchange templates. The method further includes populating the plurality of fields of the selected exchange template based on the environmental dataset. The method further includes providing, to a plurality of user devices, a public key, updating a provider ledger, and updating a central ledger.
    Type: Application
    Filed: September 23, 2024
    Publication date: January 9, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Publication number: 20240412175
    Abstract: Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes encrypting at least one digital asset on an internal ledger and storing the encrypted at least one digital asset on an internal ledger. The method further includes receiving a signed exchange request signed by a first key corresponding with an encrypted digital asset on the internal ledger and providing, to an inter-provider ledger, a second key based on interfacing with the inter-provider ledger based on establishing a first data feed. The method further includes determining the signed exchange request was verified. The method further includes updating a central ledger by interfacing with of the central ledger via an application programming interface (API) based on establishing a second data feed and wherein at least one of a plurality of fields of the encrypted digital asset is a universal field.
    Type: Application
    Filed: February 1, 2024
    Publication date: December 12, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Patent number: 12154106
    Abstract: A method including receiving a signcrypted cross-border payment message, the signcrypted cross-border payment message generated by signcrypting a cross-border payment message using a first financial institution public key, a first financial institution private key, and a second financial institution public key, retrieving the first financial institution public key, the second financial institution public key, and a second financial institution private key, wherein the second financial institution public key and the second financial institution private key are part of a public/private key pair, unsigncrypting the signcrypted cross-border payment message using the first financial institution public key, the second financial institution public key, and the second financial institution private key to retrieve the cross-border payment message, and verifying that the first financial institution public key is associated with a first financial institution.
    Type: Grant
    Filed: June 6, 2022
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Ashia Kennon, Catherine Wangari Mwangi, Jal Daruwalla, Joanne Strobel-Cort, Lynnel J. Kresse, Michael Knorr
  • Patent number: 12155774
    Abstract: Systems, methods, and computer-readable storage media of template-based digital asset exchanges using a public key cryptography (PKC) framework. One method includes storing a plurality of exchange templates, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset. The method further includes receiving an environmental dataset, and selecting, utilizing the environmental dataset, an exchange template of the plurality of exchange templates. The method further includes populating the plurality of fields of the selected exchange template based on the environmental dataset. The method further includes providing, to a plurality of user devices, a public key, updating a provider ledger, and updating a central ledger.
    Type: Grant
    Filed: November 17, 2021
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Publication number: 20240380609
    Abstract: Systems, methods, and computer-readable storage media of wrapping digital assets. One method includes receiving, from a central provider system, a digital asset signed by a central private key associated with a digital asset on a central ledger, and verifying the digital asset based on a central public key. The method further includes updating the digital asset including an assignee field, and receiving an attribute for a second assignee of the digital asset. The method further includes wrapping utilizing the private key of the public and private key pair, the digital asset with the attribute and receiving environmental data. The method further includes determining the at least one condition of the attribute is satisfied, and updating the assignee field.
    Type: Application
    Filed: July 12, 2024
    Publication date: November 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Patent number: 12087006
    Abstract: A method for generating an optical marker for image processing/photogrammetry/motion detection using an output unit and/or a control and/or regulation unit. The optical marker is output/generated in such a way that the represented optical marker is formed by a regular pattern of angular structures and by substructures, each of which is situated completely within one of the structures. In each case, at least two directly adjacent structures, viewed in at least two mutually perpendicularly oriented directions along a projection plane of the optical marker, have different colors, and a color sequence of the plurality of structures periodically repeats along the two directions. The optical marker is formed from unique minimum recognition areas within the optical marker. The optical marker is output/generated in such a way that the substructures each include an imaging surface that corresponds to at least 15% of a maximum projection surface spanned by one of the structures.
    Type: Grant
    Filed: October 11, 2021
    Date of Patent: September 10, 2024
    Assignee: ROBERT BOSCH GMBH
    Inventor: Moritz Michael Knorr
  • Patent number: 12047512
    Abstract: Systems, methods, and computer-readable storage media of wrapping digital assets. One method includes receiving, from a central provider system, a digital asset signed by a central private key associated with a digital asset on a central ledger, and verifying the digital asset based on a central public key. The method further includes updating the digital asset including an assignee field, and receiving an attribute for a second assignee of the digital asset. The method further includes wrapping utilizing the private key of the public and private key pair, the digital asset with the attribute and receiving environmental data. The method further includes determining the at least one condition of the attribute is satisfied, and updating the assignee field.
    Type: Grant
    Filed: November 17, 2021
    Date of Patent: July 23, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Patent number: 11943426
    Abstract: A method for assessing a camera calibration. In the method, a first quality measure is ascertained, a systematic error having to be assessed using the first quality measure, the assessment being carried out with respect to errors remaining after a calibration, an overall calibration object including at least one calibration object being virtually segmented into calibration objects, a detector noise being estimated for each calibration object, which are combined to form an overall estimate, which is compared with an estimate of the detector noise of the overall calibration object.
    Type: Grant
    Filed: August 24, 2021
    Date of Patent: March 26, 2024
    Assignee: ROBERT BOSCH GMBH
    Inventors: Annika Hagemann, Moritz Michael Knorr
  • Publication number: 20240086939
    Abstract: A computing system includes one or more processing circuits configured to identify an anomaly associated with an electronic transaction, wherein the anomaly is identified based on a profile or pattern of a user. The processing circuits further configured to transmit data corresponding to the anomaly to a user interface. The processing circuits further configured to receive, using the user interface, an indication that one or more risks associated with the anomaly are acceptable. The processing circuits further configured to transmit, to the user interface, an indication of at least one rule violation and information for resolving the at least one rule violation. The processing circuits further configured to receive, from the user interface, a response setting an exception and update the profile of the user, wherein updating comprises changing a classification of the profile of the user based on profile data consistent with the electronic transaction.
    Type: Application
    Filed: November 17, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Kelley Chamberlain, David J. Dietrich, Valeria J. Gray-Lindsey, Michael Knorr, Robert L. Kosicki, Duane F. Lindquist, Michael Mangieri, Maria V. Marmolejos, Jacqueline A. Monteferrario, Yonesy F. Nunez, Leonard J. Valentino
  • Publication number: 20240070917
    Abstract: A computer-implemented method for self-calibration of at least one camera. The method comprises: ascertaining at least two corresponding images from a sequence of recorded images, the recorded images resulting from recordings of the camera, the corresponding images having correspondences which are specific to at least one camera parameter, the camera parameter being specific to the geometric imaging behavior of the camera; ascertaining the respective correspondence by an application of an artificial neural network, the application being based on the corresponding images; determining at least the camera parameter based on the ascertained correspondences for the self-calibration of the camera.
    Type: Application
    Filed: July 14, 2023
    Publication date: February 29, 2024
    Inventors: Annika Hagemann, Moritz Michael Knorr
  • Patent number: 11893553
    Abstract: Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes storing a plurality of digital assets on an internal ledger, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset on the internal ledger, wherein the signed exchange request includes a destination address of an inter-provider ledger. The method further includes providing, to the inter-provider ledger, a public key of the public and private key pair based on interfacing with the destination address of the inter-provider ledger via a first API, and determining, from the inter-provider ledger, the signed exchange request was verified. The method further includes updating the internal ledger by removing the public and private key pair, and updating a central ledger by interfacing with a central address of the central ledger via a second API.
    Type: Grant
    Filed: November 17, 2021
    Date of Patent: February 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Patent number: 11888995
    Abstract: A system, method, and apparatus for carrying out a value transfer is provided. A method includes receiving, by a computing system of a financial institution, a de-signcrypted value transfer message including terms of a value transfer from an account of a sending party to an account of a merchant, wherein a receiving party desires to make a purchase from the merchant and the value transfer is a payment from the sending party account to the merchant account; and one or more spending limitations on the desired purchase, wherein the payment is contingent on the desired purchase meeting the spending limitations. The method then includes verifying the authenticity of the de-signcrypted message using a public key of the sending party and a private key of the financial institution; and dispersing funds according to the terms of the value transfer.
    Type: Grant
    Filed: October 17, 2022
    Date of Patent: January 30, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Jal Daruwalla, Phillip H. Griffin, Ashia D. Kennon, Michael Knorr, Lynnel J. Kresse, Catherine Wangari Mwangi, Joanne Strobel-Cort
  • Publication number: 20230410288
    Abstract: A method for measuring the influence of a transparent pane. In the method, a displacement field induced by the pane is determined. In a first step, a first image of a textured surface without the transparent pane is acquired; in a second step, a second image of the textured surface with the transparent pane is acquired; and in a third step, the displacement field is determined by analyzing the two images using an optical flow method.
    Type: Application
    Filed: October 18, 2021
    Publication date: December 21, 2023
    Inventors: Andre WAGNER, Moritz Michael Knorr, Beke Junge, Henning von Zitzewitz, Oliver Lange, Stephan Simon
  • Patent number: 11842354
    Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors. The one or more computer-readable storage media have instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive a request from a user device to process an electronic transaction, identify an anomaly, transmit data corresponding to the anomaly to an interactive dashboard, receive a first response from the interactive dashboard, transmit an indication of one or more rule violations and instructions, receive a second response from the interactive dashboard, update the profile of a user.
    Type: Grant
    Filed: September 10, 2021
    Date of Patent: December 12, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kelley Chamberlain, David J. Dietrich, Valeria J. Gray-Lindsey, Michael Knorr, Robert L Kosicki, Duane F. Lindquist, Michael Mangieri, Maria V. Marmolejos, Jacqueline A. Monteferrario, Yonesy F Nunez, Leonard J. Valentino
  • Patent number: 11748910
    Abstract: A method for assessing a camera calibration, in which a first quality measure is ascertained. A statistical error is assessed using the first quality measure. An expected value for a mapping error is ascertained. Optimal model parameters and their covariance matrix initially are accessed. A matrix of a mapping error is then determined. Finally, the expected value of the mapping error is ascertained.
    Type: Grant
    Filed: August 26, 2021
    Date of Patent: September 5, 2023
    Assignee: ROBERT BOSCH GMBH
    Inventors: Annika Hagemann, Moritz Michael Knorr