Patents by Inventor Ralph DARMO

Ralph DARMO 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: 11922448
    Abstract: In supply-side information processing apparatus comprising at least one computer processor, a method for providing a user with intent-based ads may include: (1) receiving, from an intent broker, intent identifiers for intent categories of user intents; (2) communicating the intent identifiers to a demand-side platform, the demand-side platform comprising a plurality of advertisers and merchants; (3) receiving, from a supply-side SDK on a user electronic device, personal data for a user, wherein the supply-side SDK captures the personal data from a publisher application executed on the user electronic device; (4) retrieving, based on the personal data and from the intent broker, a user intent identifier for the user, the user intent identifier matching one of the intent categories; (5) communicating the user intent identifier to the supply-side SDK, wherein the supply-side SDK requests an intent-based ad from the demand-side platform using the user intent identifier.
    Type: Grant
    Filed: March 21, 2022
    Date of Patent: March 5, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Tuan Dao, Howard Spector, Ralph Darmo
  • Publication number: 20230367907
    Abstract: Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.
    Type: Application
    Filed: May 12, 2023
    Publication date: November 16, 2023
    Inventors: Tuan DAO, Howard SPECTOR, Jeremy F. BENNETT, Rod BACHELOR, Pavan MUMMAREDDI, Ralph DARMO
  • Publication number: 20230289476
    Abstract: Systems, methods, and devices for managing privacy policies are disclosed. In one embodiment, a method for management of a user’s privacy preferences may include: identifying a computer application installed on a user electronic device, or a website accessed using a browser executed by the user electronic device; retrieving a privacy policy document analysis for a privacy policy document associated with the computer application or the website, the privacy policy document analysis comprising a valuation of a plurality of privacy policy segments within the privacy policy document; receiving a privacy preference analysis for the user, the privacy preference analysis comprising a valuation of a plurality of privacy preferences for the user; identifying a recommended action in response to the valuation of one of the privacy policy segments being outside the scope of the valuation of one of the plurality of privacy preferences; and executing the recommended action.
    Type: Application
    Filed: May 11, 2023
    Publication date: September 14, 2023
    Inventors: Michelle M. BONAT, Rod BACHELOR, Jeremy F. BENNETT, Tuan DAO, Ralph DARMO, Andrew GRIGNON, Kathleen MOYNAHAN
  • Patent number: 11704439
    Abstract: Systems, methods, and devices for managing privacy policies are disclosed. In one embodiment, a method for management of a user's privacy preferences may include: identifying a computer application installed on a user electronic device, or a website accessed using a browser executed by the user electronic device; retrieving a privacy policy document analysis for a privacy policy document associated with the computer application or the website, the privacy policy document analysis comprising a valuation of a plurality of privacy policy segments within the privacy policy document; receiving a privacy preference analysis for the user, the privacy preference analysis comprising a valuation of a plurality of privacy preferences for the user; identifying a recommended action in response to the valuation of one of the privacy policy segments being outside the scope of the valuation of one of the plurality of privacy preferences; and executing the recommended action.
    Type: Grant
    Filed: June 2, 2020
    Date of Patent: July 18, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Michelle Bonat, Tuan Dao, Roderic Bachelor, Jeremy F. Bennett, Ralph Darmo, Andrew Grignon, Kathleen Moynahan
  • Patent number: 11681826
    Abstract: Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.
    Type: Grant
    Filed: December 1, 2020
    Date of Patent: June 20, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Tuan Dao, Howard Spector, Jeremy F. Bennett, Rod Bachelor, Pavan Mummareddi, Ralph Darmo
  • Publication number: 20220207554
    Abstract: In supply-side information processing apparatus comprising at least one computer processor, a method for providing a user with intent-based ads may include: (1) receiving, from an intent broker, intent identifiers for intent categories of user intents; (2) communicating the intent identifiers to a demand-side platform, the demand-side platform comprising a plurality of advertisers and merchants; (3) receiving, from a supply-side SDK on a user electronic device, personal data for a user, wherein the supply-side SDK captures the personal data from a publisher application executed on the user electronic device; (4) retrieving, based on the personal data and from the intent broker, a user intent identifier for the user, the user intent identifier matching one of the intent categories; (5) communicating the user intent identifier to the supply-side SDK, wherein the supply-side SDK requests an intent-based ad from the demand-side platform using the user intent identifier.
    Type: Application
    Filed: March 21, 2022
    Publication date: June 30, 2022
    Inventors: Tuan DAO, Ralph DARMO
  • Publication number: 20220188458
    Abstract: Systems, methods, and devices for obfuscation of browser fingerprint data are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method may include: (1) receiving an electronic communication from an electronic device to a destination; (2) identifying a raw device fingerprint value in the electronic communication from an electronic device; (3) selecting at least one replacement value for the raw device fingerprint value; (4) replacing the raw device fingerprint value with the replacement value in the electronic communication; and (5) sending the electronic communication with the replacement value to the destination.
    Type: Application
    Filed: February 28, 2022
    Publication date: June 16, 2022
    Inventors: Jeremy F. BENNETT, Rod BACHELOR, Andrew GRIGNON, Howard SPECTOR, Ralph DARMO, Christopher CHOI, Jeffrey E MILLER, Hallie HUGGINS, Tuan DAO
  • Publication number: 20220101328
    Abstract: Systems, methods, and devices for assigning a transaction risk score are disclosed. According to one embodiment, a method for generating a transaction risk score may include: (1) receiving, by a transaction scoring service computer program and from an electronic device, a merchant URL that is being accessed by an application or a browser executed on the electronic device; (2) retrieving, by the transaction scoring service computer program, a plurality of transactions involving the merchant URL; (3) generating, by the transaction scoring service computer program, a risk score for the merchant URL based on the plurality of transactions; (4) generating, by the transaction scoring service computer program, a warning in response to the risk score exceeding a predetermined threshold; and (5) communicating, by the transaction scoring service computer program, the warning to the application or the browser.
    Type: Application
    Filed: September 28, 2021
    Publication date: March 31, 2022
    Inventors: Ralph DARMO, Jeremiah C. OLVER, Tuan DAO, Howard SPECTOR, Scott H. OUELLETTE, Craig M. MULLANEY, Donna BEATTY
  • Patent number: 11288398
    Abstract: Systems, methods, and devices for obfuscation of browser fingerprint data are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method may include: (1) receiving an electronic communication from an electronic device to a destination; (2) identifying a raw device fingerprint value in the electronic communication from an electronic device; (3) selecting at least one replacement value for the raw device fingerprint value; (4) replacing the raw device fingerprint value with the replacement value in the electronic communication; and (5) sending the electronic communication with the replacement value to the destination.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: March 29, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Jeremy F. Bennett, Rod Bachelor, Andrew Grignon, Howard Spector, Ralph Darmo, Christopher Choi, Jeffrey E Miller, Hallie Huggins, Tuan Dao
  • Publication number: 20210173960
    Abstract: Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.
    Type: Application
    Filed: December 1, 2020
    Publication date: June 10, 2021
    Inventors: Tuan DAO, Howard SPECTOR, Jeremy F. BENNETT, Rod BACHELOR, Pavan MUMMAREDDI, Ralph DARMO
  • Publication number: 20200380171
    Abstract: Systems, methods, and devices for managing privacy policies are disclosed. In one embodiment, a method for management of a user's privacy preferences may include: identifying a computer application installed on a user electronic device, or a website accessed using a browser executed by the user electronic device; retrieving a privacy policy document analysis for a privacy policy document associated with the computer application or the website, the privacy policy document analysis comprising a valuation of a plurality of privacy policy segments within the privacy policy document; receiving a privacy preference analysis for the user, the privacy preference analysis comprising a valuation of a plurality of privacy preferences for the user; identifying a recommended action in response to the valuation of one of the privacy policy segments being outside the scope of the valuation of one of the plurality of privacy preferences; and executing the recommended action.
    Type: Application
    Filed: June 2, 2020
    Publication date: December 3, 2020
    Inventors: Michelle BONAT, Tuan DAO, Roderic BACHELOR, Jeremy F. BENNETT, Ralph DARMO, Andrew GRIGNON
  • Publication number: 20200327575
    Abstract: In supply-side information processing apparatus comprising at least one computer processor, a method for providing a user with intent-based ads may include: (1) receiving, from an intent broker, intent identifiers for intent categories of user intents; (2) communicating the intent identifiers to a demand-side platform, the demand-side platform comprising a plurality of advertisers and merchants; (3) receiving, from a supply-side SDK on a user electronic device, personal data for a user, wherein the supply-side SDK captures the personal data from a publisher application executed on the user electronic device; (4) retrieving, based on the personal data and from the intent broker, a user intent identifier for the user, the user intent identifier matching one of the intent categories; (5) communicating the user intent identifier to the supply-side SDK, wherein the supply-side SDK requests an intent-based ad from the demand-side platform using the user intent identifier.
    Type: Application
    Filed: April 10, 2020
    Publication date: October 15, 2020
    Inventors: Tuan DAO, Ralph DARMO
  • Publication number: 20200134657
    Abstract: Systems and methods for facilitating payments and reward tracking are disclosed. In one embodiment, in a merchant information processing apparatus comprising at least one computer processor, a method for facilitating customer payments and reward tracking may include: (1) providing an interface for accessing a financial institution backend in a merchant interface; (2) receiving user information from the financial institution backend; (3) generating a merchant loyalty account for the user based on the user information received from the financial institution backend; and (4) providing merchant loyalty account information to the financial institution backend.
    Type: Application
    Filed: October 25, 2019
    Publication date: April 30, 2020
    Inventors: Ralph DARMO, Jeffrey E. MILLER, Howard SPECTOR, Allison BEER