Jerold Xing

Title: Jerold Xing and Application Security Innovation.

Introduction

Jerold Xing is an inventor associated with Richmond Hill, CA, and The PNC Financial Services Group, Inc. His patent work addresses application security for banking requests, with the goal of helping financial institutions reduce fraud and protect transactions from interference.

Latest Patents

Xing is credited with 1 patent: “Systems and Methods for Application Security Improvements.” The invention describes receiving a banking request from a web browser or mobile application and extracting a session cookie from its request header. The cookie may contain a CSRF token, a MORF token, and/or a JWT.

An outer API validates the token or tokens and creates a validated banking request object. The object is then sent to an inner API to carry out the banking request. By validating requests before processing them, the system aims to give financial institutions greater confidence that transactions are legitimate and to reduce fraud compared with known systems.

Career Highlights

Xing’s listed patent connects his inventive work with banking technology and application security at The PNC Financial Services Group, Inc. The patent focuses on a practical security process that combines token validation with API-based handling of banking requests.

Collaborations

Michael Nitsopoulos is identified as Xing’s coworker. The available information does not specify whether Nitsopoulos collaborated on the patent.

Conclusion

Jerold Xing’s patent presents an API-based approach to validating banking requests before they are processed, reflecting an effort to strengthen application security and help limit fraud.