Patents by Inventor Orsolya Oldroyd
Orsolya Oldroyd 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: 12046112Abstract: A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.Type: GrantFiled: January 5, 2023Date of Patent: July 23, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Orsolya Oldroyd, Paul Vittimberga
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Patent number: 11574529Abstract: A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.Type: GrantFiled: October 15, 2020Date of Patent: February 7, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Orsolya Oldroyd, Paul Vittimberga
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Patent number: 11379863Abstract: A financial institution computing system includes an account database configured to store a plurality of transaction statistics with respect to a financial account of a customer, a social media database configured to store a plurality of social media activities of the customer, and a customer metric management circuit. At least one of the plurality of transaction statistics is indicative of a first transaction between the customer and a merchant. The customer metric management circuit is configured to determine a probability model of the customer based on the plurality of transaction statistics and the plurality of social media activities of the customer. The probability model indicates a probability that the customer will conduct a second transaction with the merchant in the future. The customer metric management circuit is further configured to provide the probability model of the customer to a device associated with the merchant.Type: GrantFiled: June 2, 2017Date of Patent: July 5, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Anthony Burton, Chris Kalaboukis, Orsolya Oldroyd, Margot Lockwood-Stein, Paul Vittimberga
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Publication number: 20220156745Abstract: A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.Type: ApplicationFiled: February 4, 2022Publication date: May 19, 2022Inventors: Harlen Bayha, Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Kourtney Eidam, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Richard Harrison Luttrell, JR., Orsolya Oldroyd, Paul Vittimberga, Dominik Vltavsky
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Patent number: 11276062Abstract: A method implemented on an augmented reality electronic device includes establishing a wireless connection with an automated teller machine (ATM). The AR electronic device is used to authenticate a user of the AR electronic device at the ATM. An initiation is permitted of a financial transaction through user interface functionality for the ATM that is displayed on the AR electronic device. Financial information for the financial transaction is displayed on a display screen of the AR electronic device, instead of displaying the financial information at the ATM.Type: GrantFiled: April 12, 2017Date of Patent: March 15, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Harlen Bayha, Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Kourtney Eidam, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Richard Harrison Luttrell, Jr., Orsolya Oldroyd, Paul Vittimberga, Dominik Vltavsky
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Publication number: 20210142327Abstract: Examples described herein relate to apparatuses and methods for a financial institution computing system of a financial institution to generate a financial indicator of a non-publically traded company. In some arrangements, the financial institution computing system receives from a user device associated with the user a request message indicating that the user is initiating the potential transaction with the non-publically traded company via the user device before a user enters into a transaction with the non-publically traded company. In addition, the financial institution computing system determines the financial indicator of the non-publically traded company based on transaction history of the non-publically traded company. Furthermore, the financial institution computing system transmits to the user device the financial indicator.Type: ApplicationFiled: June 1, 2017Publication date: May 13, 2021Inventors: Anthony Burton, Chris Kalaboukis, Orsolya Oldroyd, Margot Lockwood-Stein, Paul Vittimberga
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Patent number: 10984493Abstract: An example method for displaying renovation options for a structure includes: receiving homeowner financial information; receiving a selection of a renovation option; receiving pricing information of the renovation option; generating a financial impact analysis based on the homeowner financial information and the pricing information; displaying a renovation view on an augmented reality device, the renovation view displaying the structure with a representation of the renovation option depicted thereon; and displaying a financial impact analysis view showing the financial impact analysis, including a renovation budget amount.Type: GrantFiled: May 5, 2017Date of Patent: April 20, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Orsolya Oldroyd, Paul Vittimberga
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Patent number: 10839655Abstract: A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.Type: GrantFiled: April 12, 2017Date of Patent: November 17, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer Stacey Borchardt, Adam Clifford Christensen, Charles Cowell, Eduardo DeLa Torre, Darren M. Goetz, Eric David Greene, Robert Glenn Hamchuk, Miranda C. Hill, Pey-Ning Huang, Orsolya Oldroyd, Paul Vittimberga
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Publication number: 20190220841Abstract: Systems and techniques for dynamic micropayment fee selector are described herein. A transaction stream may be obtained from an electronic transaction processing service. A transaction velocity of a set of transactions that correspond to a user account of the electronic transaction processing service included in the transaction stream may be calculated for a first period of time. A fee tier data structure may be generated based on the transaction velocity. A fee tier of the fee tier data structure may be applied to the user account. An indication of the applied fee tier and an electronic representation of the fee tier data structure may be transmitted to a device associated with the user account.Type: ApplicationFiled: January 12, 2018Publication date: July 18, 2019Inventors: Wayne Barakat, Nathan Craig Bricklin, Kristine Ing Kushner, Yung Ung Lee, Andrea Renee Leighton, Orsolya Oldroyd, Wairnola Marria Rhodriquez, Paul Vittimberga, Ronald H. Yang