Patents by Inventor Steve Frensch

Steve Frensch 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: 20240152654
    Abstract: A node associated with an organization may receive a storage identifier for new credit data associated with an individual. A distributed ledger and distributed data sources may be used to share the new credit data with a network of nodes. The node may update a smart contract with the storage identifier for the new credit data. The node may receive, from a particular device associated with the organization, a request for the new credit data. The node may obtain the storage identifier for the new credit data from the smart contract. The node may obtain the new credit data by using the storage identifier to search the distributed data sources. The node may provide the new credit data to the particular device. The node may perform actions to obtain additional new credit data from the distributed data sources or provide the additional new credit data to the distributed data sources.
    Type: Application
    Filed: January 16, 2024
    Publication date: May 9, 2024
    Inventors: Jonathan LEE, Steve FRENSCH, Ethan GREIG, Anna-Maria NALEPA, Zheng JIAN
  • Patent number: 11962705
    Abstract: A serverless computing framework is secured against malicious payload injection. A series of functions can be strung together to perform a workflow in response to a triggering event. A validator can be included with a function that verifies that an input payload originated from a trusted source. A validation value, such as a hash, can be computed based on the result payload in combination with the source code of the function that produced the result payload. A downstream function can receive the result payload and the hash and utilize the result payload and a copy of the upstream source code to produce another hash. The received and generated hashes can then be compared and utilized to control execution of the downstream function. Execution can be prevented when there is a mismatch between the hashes.
    Type: Grant
    Filed: October 7, 2021
    Date of Patent: April 16, 2024
    Assignee: Capital One Services, LLC
    Inventor: Steve Frensch
  • Patent number: 11880494
    Abstract: A node associated with an organization may receive a storage identifier for new credit data associated with an individual. A distributed ledger and distributed data sources may be used to share the new credit data with a network of nodes. The node may update a smart contract with the storage identifier for the new credit data. The node may receive, from a particular device associated with the organization, a request for the new credit data. The node may obtain the storage identifier for the new credit data from the smart contract. The node may obtain the new credit data by using the storage identifier to search the distributed data sources. The node may provide the new credit data to the particular device. The node may perform actions to obtain additional new credit data from the distributed data sources or provide the additional new credit data to the distributed data sources.
    Type: Grant
    Filed: July 1, 2021
    Date of Patent: January 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jonathan Lee, Steve Frensch, Ethan Greig, Anna-Maria Nalepa, Zheng Jian
  • Patent number: 11843617
    Abstract: Aspects discussed herein relate to the storage of data in graph databases and detecting fraudulent behavior in the stored data. Fraud detection systems may use graph databases to store data, allowing for querying the graph database to obtain data using a variety of graph semantics such as nodes, edges, and properties. Graph databases in accordance with embodiments of the invention may include account nodes and attribute nodes, where nodes of the same type are not directly linked to each other. When a particular node is updated, an updated node may be created with a higher version number than the existing node. Each node may include an indication of the node being associated with fraudulent activity. Fraud indicators may be calculated based on the relationships between the nodes and fraud indicators for the nodes.
    Type: Grant
    Filed: April 22, 2022
    Date of Patent: December 12, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jonathan Shek Wing Lee, Vidhyasagar Mahadevan Harihara, Michelle Indyarta, Tian Zou, Steve Frensch
  • Patent number: 11829502
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data on a distributed ledger accessible by a number of systems. Sharing session data may be stored using a transaction stored on a distributed ledger. A second system may obtain the sharing session account and verify the sharing session. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two or more systems. The distributed ledger may be maintained by the systems themselves and/or a distributed network system. In a variety of embodiments, encrypted data may be stored and/or obtained using the distributed ledger.
    Type: Grant
    Filed: November 11, 2021
    Date of Patent: November 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Taras Kuzin, Qiaochu Tang, Steve Frensch, John Santoro
  • Publication number: 20230153830
    Abstract: Web presence data is employed to determine merchant legitimacy. An address of a web page associated with a merchant named on a credit card transaction can be determined. Subsequently, a secure socket layer certificate associated with the web page can be acquired and utilized as a basis for computing a risk score of a merchant. The number of subject alternate names identified by the certificate can be determined and utilized as a factor in risk score computation. Other factors can include similarity of subject alternate names as well as web page code and content. The risk score can be compared to a threshold. When the risk score satisfies the threshold, an action can be triggered, such as generating a customer alert.
    Type: Application
    Filed: November 18, 2021
    Publication date: May 18, 2023
    Inventors: Steve Frensch, Amr Abouelkhair, Elijah Moreau-Arnott, Yuqi Zhao
  • Publication number: 20230112806
    Abstract: A serverless computing framework is secured against malicious payload injection. A series of functions can be strung together to perform a workflow in response to a triggering event. A validator can be included with a function that verifies that an input payload originated from a trusted source. A validation value, such as a hash, can be computed based on the result payload in combination with the source code of the function that produced the result payload. A downstream function can receive the result payload and the hash and utilize the result payload and a copy of the upstream source code to produce another hash. The received and generated hashes can then be compared and utilized to control execution of the downstream function. Execution can be prevented when there is a mismatch between the hashes.
    Type: Application
    Filed: October 7, 2021
    Publication date: April 13, 2023
    Inventor: Steve Frensch
  • Publication number: 20220247765
    Abstract: Aspects discussed herein relate to the storage of data in graph databases and detecting fraudulent behavior in the stored data. Fraud detection systems may use graph databases to store data, allowing for querying the graph database to obtain data using a variety of graph semantics such as nodes, edges, and properties. Graph databases in accordance with embodiments of the invention may include account nodes and attribute nodes, where nodes of the same type are not directly linked to each other. When a particular node is updated, an updated node may be created with a higher version number than the existing node. Each node may include an indication of the node being associated with fraudulent activity. Fraud indicators may be calculated based on the relationships between the nodes and fraud indicators for the nodes.
    Type: Application
    Filed: April 22, 2022
    Publication date: August 4, 2022
    Inventors: Jonathan Shek Wing Lee, Vidhyasagar Mahadevan Harihara, Michelle Indyarta, Tian Zou, Steve Frensch
  • Publication number: 20220237618
    Abstract: In some implementations, a system may identify a mitigation record in a record log associated with an account of an application. The system may append a message prompt to the mitigation record that causes the application to request, during a user session associated with the account, an indication of whether there is an association between the mitigation record and an event record. The system may receive, from a user device associated with the user session, feedback associated with the message prompt that indicates whether the mitigation record is associated with the event record. The system may perform, based on the feedback, an action associated with indicating whether the mitigation record and the event record are associated.
    Type: Application
    Filed: January 26, 2021
    Publication date: July 28, 2022
    Inventors: Jonathan LEE, Elijah MOREAU-ARNOTT, Steve FRENSCH, Garrett RANDALL
  • Patent number: 11316874
    Abstract: Aspects discussed herein relate to the storage of data in graph databases and detecting fraudulent behavior in the stored data. Fraud detection systems may use graph databases to store data, allowing for querying the graph database to obtain data using a variety of graph semantics such as nodes, edges, and properties. Graph databases in accordance with embodiments of the invention may include account nodes and attribute nodes, where nodes of the same type are not directly linked to each other. When a particular node is updated, an updated node may be created with a higher version number than the existing node. Each node may include an indication of the node being associated with fraudulent activity. Fraud indicators may be calculated based on the relationships between the nodes and fraud indicators for the nodes.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: April 26, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jonathan Shek Wing Lee, Vidhyasagar Mahadevan Harihara, Michelle Indyarta, Tian Zou, Steve Frensch
  • Publication number: 20220078017
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data using smart contracts executed by a distributed network system. Sharing session data may be stored using a smart contract. A second system may obtain the sharing session data and verify the sharing session based on the execution of the smart contract. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two systems and/or a number of systems. Smart contracts may provide a variety of functions for authorizing the sharing of data between systems. Additionally, encrypted data may be stored and/or obtained using a smart contract.
    Type: Application
    Filed: November 19, 2021
    Publication date: March 10, 2022
    Inventors: Qiaochu Tang, Steve Frensch, Taras Kuzin, John Santoro
  • Publication number: 20220067189
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data on a distributed ledger accessible by a number of systems. Sharing session data may be stored using a transaction stored on a distributed ledger. A second system may obtain the sharing session account and verify the sharing session. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two or more systems. The distributed ledger may be maintained by the systems themselves and/or a distributed network system. In a variety of embodiments, encrypted data may be stored and/or obtained using the distributed ledger.
    Type: Application
    Filed: November 11, 2021
    Publication date: March 3, 2022
    Inventors: Taras Kuzin, Qiaochu Tang, Steve Frensch, John Santoro
  • Patent number: 11200334
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data on a distributed ledger accessible by a number of systems. Sharing session data may be stored using a transaction stored on a distributed ledger. A second system may obtain the sharing session account and verify the sharing session. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two or more systems. The distributed ledger may be maintained by the systems themselves and/or a distributed network system. In a variety of embodiments, encrypted data may be stored and/or obtained using the distributed ledger.
    Type: Grant
    Filed: October 2, 2019
    Date of Patent: December 14, 2021
    Assignee: Capital One Services, LLC
    Inventors: Taras Kuzin, Qiaochu Tang, Steve Frensch, John Santoro
  • Patent number: 11196561
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data using smart contracts executed by a distributed network system. Sharing session data may be stored using a smart contract. A second system may obtain the sharing session data and verify the sharing session based on the execution of the smart contract. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two systems and/or a number of systems. Smart contracts may provide a variety of functions for authorizing the sharing of data between systems. Additionally, encrypted data may be stored and/or obtained using a smart contract.
    Type: Grant
    Filed: December 16, 2019
    Date of Patent: December 7, 2021
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Steve Frensch, Taras Kuzin, John Santoro
  • Publication number: 20210326483
    Abstract: A node associated with an organization may receive a storage identifier for new credit data associated with an individual. A distributed ledger and distributed data sources may be used to share the new credit data with a network of nodes. The node may update a smart contract with the storage identifier for the new credit data. The node may receive, from a particular device associated with the organization, a request for the new credit data. The node may obtain the storage identifier for the new credit data from the smart contract. The node may obtain the new credit data by using the storage identifier to search the distributed data sources. The node may provide the new credit data to the particular device. The node may perform actions to obtain additional new credit data from the distributed data sources or provide the additional new credit data to the distributed data sources.
    Type: Application
    Filed: July 1, 2021
    Publication date: October 21, 2021
    Inventors: Jonathan LEE, Steve FRENSCH, Ethan GREIG, Anna-Maria NALEPA, Zheng JIAN
  • Publication number: 20210218760
    Abstract: Aspects discussed herein relate to the storage of data in graph databases and detecting fraudulent behavior in the stored data. Fraud detection systems may use graph databases to store data, allowing for querying the graph database to obtain data using a variety of graph semantics such as nodes, edges, and properties. Graph databases in accordance with embodiments of the invention may include account nodes and attribute nodes, where nodes of the same type are not directly linked to each other. When a particular node is updated, an updated node may be created with a higher version number than the existing node. Each node may include an indication of the node being associated with fraudulent activity. Fraud indicators may be calculated based on the relationships between the nodes and fraud indicators for the nodes.
    Type: Application
    Filed: July 31, 2020
    Publication date: July 15, 2021
    Inventors: Jonathan Shek Wing Lee, Vidhyasagar Mahadevan Harihara, Michelle Indyarta, Tian Zou, Steve Frensch
  • Patent number: 11055442
    Abstract: A node associated with an organization may receive a storage identifier for new credit data associated with an individual. A distributed ledger and distributed data sources may be used to share the new credit data with a network of nodes. The node may update a smart contract with the storage identifier for the new credit data. The node may receive, from a particular device associated with the organization, a request for the new credit data. The node may obtain the storage identifier for the new credit data from the smart contract. The node may obtain the new credit data by using the storage identifier to search the distributed data sources. The node may provide the new credit data to the particular device. The node may perform actions to obtain additional new credit data from the distributed data sources or provide the additional new credit data to the distributed data sources.
    Type: Grant
    Filed: October 24, 2019
    Date of Patent: July 6, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jonathan Lee, Steve Frensch, Ethan Greig, Anna-Maria Nalepa, Zheng Jian
  • Publication number: 20200389311
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data using smart contracts executed by a distributed network system. Sharing session data may be stored using a smart contract. A second system may obtain the sharing session data and verify the sharing session based on the execution of the smart contract. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two systems and/or a number of systems. Smart contracts may provide a variety of functions for authorizing the sharing of data between systems. Additionally, encrypted data may be stored and/or obtained using a smart contract.
    Type: Application
    Filed: December 16, 2019
    Publication date: December 10, 2020
    Inventors: Qiaochu Tang, Steve Frensch, Taras Kuzin, John Santoro
  • Publication number: 20200387620
    Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data on a distributed ledger accessible by a number of systems. Sharing session data may be stored using a transaction stored on a distributed ledger. A second system may obtain the sharing session account and verify the sharing session. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two or more systems. The distributed ledger may be maintained by the systems themselves and/or a distributed network system. In a variety of embodiments, encrypted data may be stored and/or obtained using the distributed ledger.
    Type: Application
    Filed: October 2, 2019
    Publication date: December 10, 2020
    Inventors: Taras Kuzin, Qiaochu Tang, Steve Frensch, John Santoro
  • Publication number: 20200356924
    Abstract: Various embodiments are directed to techniques for defining and optimizing the boundaries of geospatial areas predictive of various outcomes. A geographic area of interest is defined, and a model trained to predict the variable of interest within the geographic area of interest is trained using training data selected for the geographic area. The model is scored for each cell in a meshed grid defined over the geographic area of interest and, thereafter, a contour-finding algorithm is applied to the grid to define the optimized geographic area.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventor: Steve FRENSCH