Patents by Inventor Robert Milden
Robert Milden 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: 20260037896Abstract: A computing system includes a processing circuit including a processor and memory. The memory is structured to store instructions executable by the processor and cause the processing circuit to tokenize text, using at least one of first machine learning or first artificial intelligence, from a text file into a token. The instructions further cause the processing circuit to, based on a location of the token in the text file, determine, using at least one of second machine learning or second artificial intelligence, the token is indicative of a potential risk event, assign a responsibility score to each of a plurality of responsible parties, and, in response to matching the potential risk event to the responsibility score of a responsible party, transmit an early risk alert to the responsible party. The early risk alert includes a link to a webpage that receives data files associated with the potential risk event.Type: ApplicationFiled: October 13, 2025Publication date: February 5, 2026Applicant: Fannie MaeInventors: Robert Milden, Terri Kennell
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Patent number: 12443906Abstract: A computer system includes circuitry for executing operations, including receiving an input text file comprising metadata, receiving risk enrichment data, and generating an affinitized data set based on the input text file and the risk enrichment data. Generating the affinitized data set includes the operations of determining a context-indicative keyword, determining a synonym of the context-indicative keyword, searching the input text file for the context-indicative keyword or the synonym, identifying the context-indicative keyword or the synonym in the input text file, and generating the affinitized data set, the affinitized data set comprising a risk descriptor determined based on the at least one of the plurality of context-indicative keywords and the metadata.Type: GrantFiled: May 8, 2023Date of Patent: October 14, 2025Inventors: Robert Milden, Terri Kennell
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Publication number: 20240048565Abstract: Embodiments are disclosed for performing a reconfiguration of a network-connected device based on the detection and mapping of unauthorized network access events at a location nearby or otherwise relevant to the network-connected device. An example method includes receiving location information associated with fraudulent network activity and receiving real-time and/or near-real-time data associated with such activity. The example method further includes responsively mapping a bounded geographic region within which network-connected devices may be at increased susceptibility for unauthorized activity and providing reconfiguration instructions to network-connected devices within that bounded geographic region.Type: ApplicationFiled: January 31, 2018Publication date: February 8, 2024Inventors: Robert Milden, Terri C. Kennell, Chemere Davis, Matt Hord, Abhijit Rao
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Patent number: 11785014Abstract: Methods, apparatuses, and computer program products are disclosed for securely delivering digital content to a user. An example method includes receiving a request for digital content for presentation by a first user device associated with a first user profile and receiving contextual device data of the first user device. The example method further include comparing the contextual device data of the first user device and a secure context dataset to determine a device delivery context of the first user device. In instances in which the contextual device data of the first user device fails to satisfy one or more security thresholds defined by the secure context dataset, the method determines an unsecure delivery context and generates secured digital content. The example method further includes causing presentation of the secured digital content via a second user device associated with the first user profile.Type: GrantFiled: January 21, 2021Date of Patent: October 10, 2023Assignee: Wells Fargo Bank, N.A.Inventors: Robert Milden, Terri C. Kennell, Chemere Davis, Matt Hord, Abhijit Rao
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Patent number: 11681966Abstract: A computer system includes circuitry for executing operations, including receiving an input text file comprising metadata, receiving risk enrichment data, and generating an affinitized data set based on the input text file and the risk enrichment data. Generating the affinitized data set includes the operations of determining a context-indicative keyword, determining a synonym of the context-indicative keyword, searching the input text file for the context-indicative keyword or the synonym, identifying the context-indicative keyword or the synonym in the input text file, and generating the affinitized data set, the affinitized data set comprising a risk descriptor determined based on the at least one of the plurality of context-indicative keywords and the metadata.Type: GrantFiled: February 24, 2021Date of Patent: June 20, 2023Inventors: Robert Milden, Terri Kennell
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Publication number: 20220270008Abstract: A computer system includes circuitry for executing operations, including receiving an input text file comprising metadata, receiving risk enrichment data, and generating an affinitized data set based on the input text file and the risk enrichment data. Generating the affinitized data set includes the operations of determining a context-indicative keyword, determining a synonym of the context-indicative keyword, searching the input text file for the context-indicative keyword or the synonym, identifying the context-indicative keyword or the synonym in the input text file, and generating the affinitized data set, the affinitized data set comprising a risk descriptor determined based on the at least one of the plurality of context-indicative keywords and the metadata.Type: ApplicationFiled: February 24, 2021Publication date: August 25, 2022Applicant: Fannie MaeInventors: Robert Milden, Terri Kennell
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Patent number: 11373130Abstract: Assistance is provided to policy exception approvers that make decisions on whether to grant or deny policy exception requests. A determination can be made regarding an amount of impact associated with granting a policy exception request based on a comparison of conditions before and after policy enactment. The probability of an impact occurring can be determined as a result of granting the policy exception based on past impact occurrences. A risk rating can be computed as a function of the amount of impact and the probability of the impact, and a visual representation of the risk rating can be generated and displayed to the policy exception approvers.Type: GrantFiled: June 2, 2020Date of Patent: June 28, 2022Assignee: Wells Fargo Bank, N.A.Inventors: Robert Milden, Timothy E. Carbery, Terri Christine Kennell
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Patent number: 10944755Abstract: Methods, apparatuses, and computer program products are disclosed for securely delivering digital content to a user. An example method includes receiving a request for digital content for presentation by a first user device associated with a first user profile and receiving contextual device data of the first user device. The example method further include comparing the contextual device data of the first user device and a secure context dataset to determine a device delivery context of the first user device. In instances in which the contextual device data of the first user device fails to satisfy one or more security thresholds defined by the secure context dataset, the method determines an unsecure delivery context and generates secured digital content. The example method further includes causing presentation of the secured digital content via a second user device associated with the first user profile.Type: GrantFiled: January 31, 2018Date of Patent: March 9, 2021Assignee: WELLS FARGO BANK, N.A.Inventors: Robert Milden, Terri C. Kennell, Chemere Davis, Matt Hord, Abhijit Rao
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Patent number: 10679167Abstract: Systems and methods provide for a system to assist policy exception approvers in making decisions on whether to grant or deny policy exception requests. The system disclosed herein takes in information about the policy and determines a risk level associated with granting the request and provides a color coded recommendation. Information that can be considered by the recommendation system includes loss associated with similar policy exception grants, the likelihood of loss occurring, and other contextual information about the operating environment. In an embodiment, if any of the information changes, the recommendation system can provide updated recommendations and or alerts.Type: GrantFiled: October 14, 2016Date of Patent: June 9, 2020Assignee: Wells Fargo Bank, N.A.Inventors: Robert Milden, Timothy E. Carbery, Terri Christine Kennell
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Publication number: 20190238547Abstract: Methods, apparatuses, and computer program products are disclosed for securely delivering digital content to a user. An example method includes receiving a request for digital content for presentation by a first user device associated with a first user profile and receiving contextual device data of the first user device. The example method further include comparing the contextual device data of the first user device and a secure context dataset to determine a device delivery context of the first user device. In instances in which the contextual device data of the first user device fails to satisfy one or more security thresholds defined by the secure context dataset, the method determines an unsecure delivery context and generates secured digital content. The example method further includes causing presentation of the secured digital content via a second user device associated with the first user profile.Type: ApplicationFiled: January 31, 2018Publication date: August 1, 2019Inventors: Robert Milden, Terri C. Kennell, Chemere Davis, Matt Hord, Abhijit Rao
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Patent number: 10360525Abstract: Timely quality improvement of an inventory of elements is provided. An event submission that includes at least one element of the inventory of elements is received at about the same time as the event is encountered. The event submission is prioritized based on factors related to the submitter, the event, historical information, or combinations thereof. A risk level or rating is assigned to the event submission and others are invited to comment on the event submission. Based on the comments, real-time information is presented so that the event submission may be tracked during the process. The submitter of the event submission is assigned a credibility rating and is given an incentive for providing the event submission.Type: GrantFiled: February 16, 2016Date of Patent: July 23, 2019Assignee: WELLS FARGO BANK, N.A.Inventors: Robert Milden, Timothy Carbery