Patents by Inventor Michael Taylor John
Michael Taylor John 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: 12654108Abstract: Systems and methods track, via a user resource profile, user progress towards achieving real-world goal(s) based on a plurality of resource-related actions performed by a user, at least one of the plurality of resource-related actions comprising storing a real-world resource to a user-specific location, the user resource profile providing information about the user-specific location, and determine, from the user resource profile, that the user is not progressing to achieve the real-world goal(s). Based on determining the user is not progressing, user access to task(s) that can be performed by the user via an online video game is restricted, the restricting exempting, based on satisfaction of predefined condition(s) a mini-game playable within the online video game, the mini-game including feature(s) limiting playability by the user. An electronic communication including an embedded link to access the mini-game is transmitted, across a network, to a user device.Type: GrantFiled: September 28, 2023Date of Patent: June 16, 2026Assignee: TRUIST BANKInventor: Michael Taylor John
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Patent number: 12649111Abstract: Systems and methods track user progress, via a user resource profile, towards achieving real-world goal(s) based on a plurality of resource-related actions performed by a user, at least one of the plurality of resource-related actions comprising storing a real-world resource to a user-specific location, the user resource profile providing information about the user-specific location, and determine, from the user resource profile, that the user is not progressing to achieve the real-world goal(s). Based on determining the user is not progressing, user access to task(s) that can be performed by the user via an online video game is restricted, the restricting exempting, based on satisfaction of a real-world resource condition of the real-world resource associated with the user-specific location, a mini-game playable within the online video game, the mini-game including feature(s) limiting playability by the user.Type: GrantFiled: September 28, 2023Date of Patent: June 9, 2026Assignee: TRUIST BANKInventor: Michael Taylor John
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Patent number: 12611600Abstract: A gaming graphical user interface is generated for conducting query and reply trials. A computing system of a first entity is operated to conduct a session of multiple trials, in succession, in each of which the computing system is operated to: select a trial-unique query prompt based at least in part on the player rating by at least one of automatically generating the query prompt and selecting the query prompt; send the trial-unique query prompt to the player device; receive a reply signal from the player device; compare the reply signal to a stored key to confirm only one of affirmation and refutation; upon confirming affirmation, incrementing a token count associated with the user device; toll a trial count; and upon the trial count reaching a predetermined condition, terminating the session of multiple trials.Type: GrantFiled: September 29, 2023Date of Patent: April 28, 2026Assignee: TRUIST BANKInventors: Michael Taylor John, Noah Jeffrey Joyce
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Patent number: 12573266Abstract: Systems and methods for establishing and achieving objectives that benefit a user and an entity include at least one processor that determines that a user has created, via a user device, a gaming profile associated with an entity. The processor displays one or more user objectives via the user device and receives a user selection of at least one user objective from the one or more user objectives. A gaming action is created that is capable of being performed via the user device that would permit a user to achieve the at least one user device. After receiving an indication from the user device that the user has achieved the at least one user device, a digital remuneration is transmitted to the user's gaming profile in an amount correlated to the at least one user objective achieved by the user.Type: GrantFiled: September 27, 2023Date of Patent: March 10, 2026Assignee: TRUIST BANKInventors: Michael Taylor John, Noah Jeffrey Joyce
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Patent number: 12558630Abstract: Systems and methods include computer store(s) that include communicative data, for each electronic message, defining a plurality of communicative elements and user resource data, for each user, defining variables associated with user resources that correspond to the user(s). Each electronic message is associated with entity aim(s) of an entity and the user(s) each include account(s) that include the user resources. In addition, processor(s) associated with the entity and in communication with the computer store are programmed to derive, based at least in part on the user resource data, user-specific aim(s) from the entity aim(s) that would benefit the entity and associated gaming action(s) directed to the user-specific aim(s) that are capable of being performed by the user via an interactive gaming application associated with the entity. Based at least in part on the communicative data, electronic message(s) are identified that would further aim(s) of the user-specific aim(s) and transmitted.Type: GrantFiled: September 13, 2023Date of Patent: February 24, 2026Assignee: TRUIST BANKInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20260034459Abstract: Systems and methods determine that a user has initiated, via a user device, a gaming profile associated with an entity and access an entity data source storing user data corresponding to a user profile of the user, the user data including information about current user resources. Based in part on the current user resources, entity aim(s) associated with the user are derived that would benefit the entity, and gaming action(s) capable of being performed via the user device and associated with the gaming profile that would further the entity aim(s) are determined. Based in part on the entity aim(s), a weighted value is calculated and assigned to each of the gaming action(s). The gaming profile of the user is monitored for completion of the gaming action(s), and remuneration is allocated to the gaming profile in an amount correlated with the weighted value assigned to the completed gaming action(s).Type: ApplicationFiled: October 14, 2025Publication date: February 5, 2026Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce
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Patent number: 12472439Abstract: Systems and methods determine that a user has initiated, via a user device, a gaming profile associated with an entity and access an entity data source storing user data corresponding to a user profile of the user, the user data including information about current user resources. Based in part on the current user resources, entity aim(s) associated with the user are derived that would benefit the entity, and gaming action(s) capable of being performed via the user device and associated with the gaming profile that would further the entity aim(s) are determined. Based in part on the entity aim(s), a weighted value is calculated and assigned to each of the gaming action(s). The gaming profile of the user is monitored for completion of the gaming action(s), and remuneration is allocated to the gaming profile in an amount correlated with the weighted value assigned to the completed gaming action(s).Type: GrantFiled: September 13, 2023Date of Patent: November 18, 2025Assignee: TRUIST BANKInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20250209057Abstract: Systems and methods help the user revise their goals including prompt-based goal revisions and AI-based prediction that based on financial behaviors of the user that shown the system can recommend revised goals. In some instances, a decision tree feedback loop is utilized to automatically modify the goals.Type: ApplicationFiled: February 20, 2025Publication date: June 26, 2025Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce
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Patent number: 12314246Abstract: Systems and methods help the user revise their goals including prompt-based goal revisions and AI-based prediction that based on financial behaviors of the user that shown the system can recommend revised goals. In some instances, a decision tree feedback loop is utilized to automatically modify the goals.Type: GrantFiled: October 31, 2023Date of Patent: May 27, 2025Assignee: TRUIST BANKInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20250140057Abstract: Systems and methods help the user revise their goals including prompt-based goal revisions and AI-based prediction that based on financial behaviors of the user that shown the system can recommend revised goals. In some instances, a decision tree feedback loop is utilized to automatically modify the goals.Type: ApplicationFiled: October 31, 2023Publication date: May 1, 2025Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20250139079Abstract: Systems and methods help the user revise their goals including prompt-based goal revisions and AI-based prediction that based on financial behaviors of the user that shown the system can recommend revised goals. In some instances, a decision tree feedback loop is utilized to automatically modify the goals.Type: ApplicationFiled: October 31, 2023Publication date: May 1, 2025Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20250111738Abstract: Systems and methods receive an input that triggers a request for a random numeric output associated with an outcome that indicates whether resource(s) are distributed to a player account of a player of a gaming application, and transmit the request for generation of the random numeric output to a third party server, the request indicating parameter(s) configured to influence the random numeric output and including data indicating weighted variables used to influence the outcome. A digitally signed electronic output file including the random numeric output is received, the digitally signed electronic output file being encrypted and including a stamp of authentication thereby cryptographically binding an electronic identity to the random numeric output. Key(s) stored to a key index are accessed and the digitally signed electronic output file is verified using the key(s). The random numeric output is authenticated and applied to a promotional draw to determine the outcome.Type: ApplicationFiled: September 29, 2023Publication date: April 3, 2025Applicant: Truist BankInventors: Michael Taylor John, Daniel M. Wilson, Ilya Vikulin
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Publication number: 20250111741Abstract: Systems receive a request from a player device for a random numeric output associated with an outcome that indicates whether resource(s) are to be distributed to a player account of a player of a computer game. The request is authenticated, which includes determining a geographic location of the player from an identifier of the player device, and a current amount of player points already attributed to the player account are determined from player data associated with the player account. An API request associated with the random numeric output to be generated by the outside server is generated and transmitted to an outside server that includes the current amount of player points. A randomly generated numeric input is received from the outside server and based on the current amount of player points, and the outcome is determined based on the randomly generated numeric input and the resource(s) are distributed.Type: ApplicationFiled: September 29, 2023Publication date: April 3, 2025Applicant: Truist BankInventors: Michael Taylor John, Daniel M. Wilson, Ilya Vikulin
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Publication number: 20250108305Abstract: Systems and methods track, via a user resource profile, user progress towards achieving real-world goal(s) based on a plurality of resource-related actions performed by a user, at least one of the plurality of resource-related actions comprising storing a real-world resource to a user-specific location, the user resource profile providing information about the user-specific location, and determine, from the user resource profile, that the user is not progressing to achieve the real-world goal(s). Based on determining the user is not progressing, user access to task(s) that can be performed by the user via an online video game is restricted, the restricting exempting, based on satisfaction of predefined condition(s) a mini-game playable within the online video game, the mini-game including feature(s) limiting playability by the user. An electronic communication including an embedded link to access the mini-game is transmitted, across a network, to a user device.Type: ApplicationFiled: September 28, 2023Publication date: April 3, 2025Applicant: Truist BankInventor: Michael Taylor John
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Publication number: 20250111743Abstract: Systems and methods determine a total quantity of resources obtainable through gameplay required for entry to an event associated with a total resource distribution to winning entry(s) and receive a data transmission comprising data indicating a user of an electronic video game allocated partial resources of the total quantity required for the entry to the event, the partial resources being obtainable upon completion of task(s) performable via the electronic video game. Data processing is performed on the data to generate a partial event entry corresponding to the allocated partial resources, the partial event entry associated with a partial resources output that is less than the total resource distribution. A control signal is transmitted to a third party server to request a random number associated with the total resource distribution and the random number is received and used to identify that the winning entry(s) comprises the partial event entry.Type: ApplicationFiled: September 28, 2023Publication date: April 3, 2025Applicant: Truist BankInventor: Michael Taylor John
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Publication number: 20250108294Abstract: Systems and methods determine a game user has completed a predetermined amount of actions within a game, each action being limited by an amount of allocated resources attributed to the game user, and ascertain whether opportunities for game advancement remain after completion of the predetermined amount of actions. The ascertaining includes identifying opportunity(s) for game advancement, and based on opportunity(s) being identified, data associated with a current progress level of the game user within the game is stored. Further, authentication information to access the game is received and verified to match stored credentials of the game user. Based thereon systems and methods evaluate whether additional resources are available to the game user, and based on the additional resources being available, a control signal is transmitted to an electronic device to cause the electronic device to provide access to the game at the current progress level.Type: ApplicationFiled: September 28, 2023Publication date: April 3, 2025Applicant: Truist BankInventor: Michael Taylor John
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Publication number: 20250108298Abstract: A gaming graphical user interface is generated for conducting query and reply trials by use of AI. A computing system of a first entity is operated to conduct a session of multiple trials, in succession, in each of which the computing system is operated to: procure, using an AI algorithm trained by a machine learning technique, a trial-unique query prompt based at least in part on the player rating by at least one of automatically generating the query prompt and selecting the query prompt; send the trial-unique query prompt to the player device; receive a reply signal from the player device; compare the reply signal to a stored key to confirm only one of affirmation and refutation; upon confirming affirmation, incrementing a token count associated with the user device; toll a trial count; and upon the trial count reaching a predetermined condition, terminating the session of multiple trials.Type: ApplicationFiled: September 29, 2023Publication date: April 3, 2025Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20250108297Abstract: A gaming graphical user interface is generated for conducting query and reply trials. A computing system of a first entity is operated to conduct a session of multiple trials, in succession, in each of which the computing system is operated to: select a trial-unique query prompt based at least in part on the player rating by at least one of automatically generating the query prompt and selecting the query prompt; send the trial-unique query prompt to the player device; receive a reply signal from the player device; compare the reply signal to a stored key to confirm only one of affirmation and refutation; upon confirming affirmation, incrementing a token count associated with the user device; toll a trial count; and upon the trial count reaching a predetermined condition, terminating the session of multiple trials.Type: ApplicationFiled: September 29, 2023Publication date: April 3, 2025Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce
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Publication number: 20250108304Abstract: Systems and methods track user progress, via a user resource profile, towards achieving real-world goal(s) based on a plurality of resource-related actions performed by a user, at least one of the plurality of resource-related actions comprising storing a real-world resource to a user-specific location, the user resource profile providing information about the user-specific location, and determine, from the user resource profile, that the user is not progressing to achieve the real-world goal(s). Based on determining the user is not progressing, user access to task(s) that can be performed by the user via an online video game is restricted, the restricting exempting, based on satisfaction of a real-world resource condition of the real-world resource associated with the user-specific location, a mini-game playable within the online video game, the mini-game including feature(s) limiting playability by the user.Type: ApplicationFiled: September 28, 2023Publication date: April 3, 2025Applicant: Truist BankInventor: Michael Taylor John
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Publication number: 20250104518Abstract: Systems and methods for establishing and achieving objectives determine that a user has accessed, via a user device, a gaming profile associated with an entity. The system transmits to the user device a digital communication, wherein the digital communication includes queries for determining a preferred objective of the user. After receiving one or more user inputs from the user device in response to the queries, the system derives the user's preferred objective, which is stored in an entity data source. Through the user device, the system determines that the user has accessed the gaming profile of the gaming software application associated with the entity. The system monitors the gaming profile of the user for completion of the one or more gaming actions and allocates to the gaming profile remuneration in an amount correlated to the user's preferred objective.Type: ApplicationFiled: September 27, 2023Publication date: March 27, 2025Applicant: Truist BankInventors: Michael Taylor John, Noah Jeffrey Joyce