Patents by Inventor Michael Nitsopoulos
Michael Nitsopoulos 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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Publication number: 20260178469Abstract: Systems and methods for enhancing application resiliency are provided. Some embodiments involve receiving an issue correction request from an application. Some embodiments involve sending an authentication token request to an authentication server and receiving an authentication token. Some embodiments involve creating a synthetic monitor instance in response to receiving the authentication token. In some embodiments, the synthetic monitor instance invokes a microservices instance that detects an application error. In some embodiments, the synthetic monitor instance creates a message. In some embodiments, the synthetic monitor instance sends the message to a service operations manager. In some embodiments, the service operations manager invokes an information technology solutions router. In some embodiments, the information technology solutions router requests a runbook. In some embodiments, the information technology solutions router invokes the runbook to respond to the issue correction request.Type: ApplicationFiled: September 2, 2025Publication date: June 25, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Palamayuran SURENTHIRAN
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Publication number: 20260178468Abstract: Systems and methods for enhancing application resiliency are provided. Some embodiments involve receiving an issue correction request from an application. Some embodiments involve sending an authentication token request to an authentication server and receiving an authentication token. Some embodiments involve creating a synthetic monitor instance in response to receiving the authentication token. In some embodiments, the synthetic monitor instance invokes a microservices instance that detects an application error. In some embodiments, the synthetic monitor instance creates a message. In some embodiments, the synthetic monitor instance sends the message to a service operations manager. In some embodiments, the service operations manager invokes an information technology solutions router. In some embodiments, the information technology solutions router requests a runbook. In some embodiments, the information technology solutions router invokes the runbook to respond to the issue correction request.Type: ApplicationFiled: May 9, 2025Publication date: June 25, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Palamayuran SURENTHIRAN
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Publication number: 20260121913Abstract: This application is directed to systems and methods for delivering notification for a user identification. An exemplary system may include memory configured to store instructions and at least one processor in electronic communication with the memory. The at least one processor is configured to execute the instructions to obtain a notification preference profile associated with the user identification, receive an alert trigger message associated with the user identification, determine whether to send the notification based on the alert trigger message and the notification preference profile, upon determining to send the notification, determine whether to send the notification in real time or at a scheduled time, and in response to determining to send the notification in real time: generate a real-time alert based on the notification preference profile and send a real-time notification message based on the real-time alert to a user device associated with the user identification.Type: ApplicationFiled: September 3, 2025Publication date: April 30, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
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Publication number: 20260121912Abstract: This application is directed to systems and methods for delivering notification for a user identification. An exemplary system may include memory configured to store instructions and at least one processor in electronic communication with the memory. The at least one processor is configured to execute the instructions to obtain a notification preference profile associated with the user identification, receive an alert trigger message associated with the user identification, determine whether to send the notification based on the alert trigger message and the notification preference profile, upon determining to send the notification, determine whether to send the notification in real time or at a scheduled time, and in response to determining to send the notification in real time: generate a real-time alert based on the notification preference profile and send a real-time notification message based on the real-time alert to a user device associated with the user identification.Type: ApplicationFiled: September 3, 2025Publication date: April 30, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
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Publication number: 20260121911Abstract: This application is directed to systems and methods for delivering notification for a user identification. An exemplary system may include memory configured to store instructions and at least one processor in electronic communication with the memory. The at least one processor is configured to execute the instructions to obtain a notification preference profile associated with the user identification, receive an alert trigger message associated with the user identification, determine whether to send the notification based on the alert trigger message and the notification preference profile, upon determining to send the notification, determine whether to send the notification in real time or at a scheduled time, and in response to determining to send the notification in real time: generate a real-time alert based on the notification preference profile and send a real-time notification message based on the real-time alert to a user device associated with the user identification.Type: ApplicationFiled: July 31, 2025Publication date: April 30, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Ravi Ranganathan, Jerold Xing, Michael Nitsopoulos
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Publication number: 20260111521Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 30, 2025Publication date: April 23, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260111342Abstract: This application is directed to systems and methods for monitoring synthetic application operations and handling application operation errors by runbooks. An exemplary system may include a memory storing instructions and at least one processor configured to execute the instructions to send a permission request message for a synthetic application operation to a permission server; receive a permission acknowledgment message for the synthetic application operation from the permission server, the permission acknowledgment message including a permission for monitoring a plurality of endpoints in an application, wherein the application is configured for performing the application operations; send a monitor request for monitoring the synthetic application operation to an application monitor process after receiving the permission acknowledgment message; send a request for the synthetic application operation to the application; and send a payload of the synthetic application operation to an event monitor process.Type: ApplicationFiled: October 30, 2025Publication date: April 23, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
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Publication number: 20260099423Abstract: This application is directed to systems and methods for monitoring synthetic application operations and handling application operation errors by runbooks. An exemplary system may include a memory storing instructions and at least one processor configured to execute the instructions to send a permission request message for a synthetic application operation to a permission server; receive a permission acknowledgment message for the synthetic application operation from the permission server, the permission acknowledgment message including a permission for monitoring a plurality of endpoints in an application, wherein the application is configured for performing the application operations; send a monitor request for monitoring the synthetic application operation to an application monitor process after receiving the permission acknowledgment message; send a request for the synthetic application operation to the application; and send a payload of the synthetic application operation to an event monitor process.Type: ApplicationFiled: March 28, 2025Publication date: April 9, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
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Publication number: 20260099424Abstract: This application is directed to systems and methods for monitoring synthetic application operations and handling application operation errors by runbooks. An exemplary system may include a memory storing instructions and at least one processor configured to execute the instructions to send a permission request message for a synthetic application operation to a permission server; receive a permission acknowledgment message for the synthetic application operation from the permission server, the permission acknowledgment message including a permission for monitoring a plurality of endpoints in an application, wherein the application is configured for performing the application operations; send a monitor request for monitoring the synthetic application operation to an application monitor process after receiving the permission acknowledgment message; send a request for the synthetic application operation to the application; and send a payload of the synthetic application operation to an event monitor process.Type: ApplicationFiled: October 30, 2025Publication date: April 9, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Jerold XING, Brian WARGO
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Publication number: 20260073026Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: November 13, 2025Publication date: March 12, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260073025Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: November 10, 2025Publication date: March 12, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057041Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: February 14, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057047Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 31, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057043Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 21, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057042Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 21, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057046Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 30, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057044Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 30, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260057045Abstract: Systems and methods for application security improvements are provided. The systems and methods may receive a banking request, including a request header, from a web browser or mobile application. Thereafter, a session cookie may be extracted from the request header. The session cookie may include one or more of a CSRF token, a MORF token, and a JWT. Thereafter, an outer API may validate the one or more tokens and create a validated banking request object. Upon such validations, a financial institution's APIs may allow a banking request to proceed with a high degree of confidence that the request is free of interference by bad actors and fraud. The validated banking request object may be transmitted to an inner API to accomplish the banking request. Thus, the system and methods described herein provide an improved system for application security, which decreases rates of fraud below that of known systems.Type: ApplicationFiled: October 30, 2025Publication date: February 26, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, JEROLD XING
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Publication number: 20260044393Abstract: A computer-implemented system for collecting and distributing digital information, which may include: a channel application and a plurality of micro-applications, hosted within the channel application and deployed on a server, configured to perform one or more functions, and each including a front-end interface receiving a first digital information from a user and displaying a second digital information to the user through a Micro-User Interface and an outer API transferring the first digital information to a database and retrieving the second digital information from the database by orchestrating one or more calls to at least one inner API, wherein the front-end interface, the outer API, and the at least one inner API are deployed within a single pod configured to isolate and enable exchange of the first and second digital information between the front-end interface, the outer API, and the at least one inner API.Type: ApplicationFiled: December 6, 2024Publication date: February 12, 2026Applicant: The PNC Financial Services Group, Inc.Inventors: Michael NITSOPOULOS, Brian WARGO, Jerold XING
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Patent number: D1131540Type: GrantFiled: October 28, 2024Date of Patent: June 23, 2026Assignee: THE PNC FINANCIAL SERVICES GROUP, INC.Inventors: Brian Wargo, Michael Nitsopoulos