Patents by Inventor Paul Ku

Paul Ku 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).

  • Publication number: 20240232881
    Abstract: A method includes conserving, responsive to receiving an indication that at least one selectable object is selected, computing resources; receiving a request to set the verification settings for a computing system, the verification settings comprising a threshold transaction amount; determining an alias account number for the transaction account; receiving a transaction request, the transaction request indicating the alias account number and a transaction involving the transaction account; implementing a verification policy based on the verification settings, comprising: determining a predetermined threshold of a monetary amount; determining a first policy monetary amount; comparing the first policy monetary amount to the predetermined threshold; determining that the first policy monetary amount does not meet the predetermined threshold; implementing a sub-policy; and generating and transmitting an electronic message comprising a selectable hyperlink generated for the transaction request; and responsive to de
    Type: Application
    Filed: March 25, 2024
    Publication date: July 11, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: David Dietrich, Iris Duncan, Bryan Kroll, Paul Ku, Kristine Ing Kushner, David G. Lamb, Darrell L. Suen
  • Patent number: 11941628
    Abstract: A method includes receiving a request to set verification settings for a payment aggregator computing system; determining an alias account number for a transaction account based on account information; transmitting a request to the payment aggregator computing system to store the alias account number instead of the account information; receiving a transaction request from the payment aggregator computing system; implementing a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and a threshold transaction amount, including: determining a predetermined threshold of a monetary amount, determining a first sub-policy monetary amount, comparing the first sub-policy monetary amount to the predetermined threshold, determining that the first sub-policy monetary amount does not meet the predetermined threshold, implementing the second sub-policy, generating and transmitting an electronic message comprising a selectable
    Type: Grant
    Filed: February 27, 2023
    Date of Patent: March 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: David Dietrich, Iris Duncan, Bryan Kroll, Paul Ku, Kristine Ing Kushner, David G. Lamb, Darrell L. Suen
  • Patent number: 11593801
    Abstract: A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: February 28, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: David Dietrich, Iris Duncan, Bryan Kroll, Paul Ku, Kristine Ing Kushner, David G. Lamb, Darrell L. Suen
  • Patent number: 4051692
    Abstract: Apparatus for cooling vehicles which includes a cylindrical housing having a side wall opening and an open top, a conduit and pump connected to the bottom of said circular housing for pumping liquid from said housing to at least one heat exchanger, a heat exchanger located in the passenger compartment of the vehicle, a spray head in the open top of said housing and conduit means for feeding fluid from the heat exchanger to the spray head, the liquid discharged through said spray head being cooled, by evaporation, by air flowing through said housing, said cooled liquid, when pumped through said heat exchanger, cooling the passenger compartment of the vehicle.
    Type: Grant
    Filed: October 12, 1976
    Date of Patent: October 4, 1977
    Inventors: Paul Ku, Irene Lau Ku