Company Filing History:
Years Active: 2019-2023
Title: Innovations by Ximing Zhao
Introduction
Ximing Zhao is an accomplished inventor based in Charlotte, NC (US). He holds a total of 4 patents that showcase his expertise in developing innovative solutions in the financial technology sector. His work primarily focuses on systems and methods for tokenization and loan preapproval processes.
Latest Patents
Ximing Zhao's latest patents include groundbreaking systems and methods for tokenization and API services. These patents detail systems, apparatuses, methods, and computer program products designed for preapproving loans. One example method involves receiving a preapproval request from an online marketplace server device, which is provided by a user seeking loan preapproval to purchase a property. The method further includes obtaining credit information associated with the user from a credit server device. It also involves generating a preapproval data structure based on the preapproval request and the credit information. Subsequently, a preapproval token is generated based on this data structure and transmitted back to the online marketplace server device.
Career Highlights
Ximing Zhao is currently employed at Wells Fargo Bank, N.A., where he applies his innovative ideas to enhance financial services. His contributions have significantly impacted the efficiency and security of loan processing systems.
Collaborations
Ximing has collaborated with notable colleagues, including Chemere Davis and Andrew J Garner, IV. Their teamwork has fostered an environment of creativity and innovation within their projects.
Conclusion
Ximing Zhao's contributions to the field of financial technology through his patents and work at Wells Fargo Bank, N.A. highlight his role as a significant innovator. His advancements in loan preapproval systems demonstrate the potential for technology to streamline financial processes and improve user experiences.
Inventor’s Patent Attorneys refers to legal professionals with specialized expertise in representing inventors throughout the patent process. These attorneys assist inventors in navigating the complexities of patent law, including filing patent applications, conducting patent searches, and protecting intellectual property rights. They play a crucial role in helping inventors secure patents for their innovative creations.