Patents by Inventor Helene Urban Mele
Helene Urban Mele 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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Patent number: 8522037Abstract: Systems, methods, and computer program products are provided for user authentication required for conducting online financial institution transactions. The disclosed embodiments leverage the capabilities of platforms other than conventional personal computers and laptops, such as gaming consoles and wireless devices. Unique intrinsic user activities, such as controller motions or activities, built-in hardware signatures or other input data are used as the authentication mechanism, so as to provide a higher degree of security in the overall authentication process by lessening the likelihood of password replication or interception during network communication.Type: GrantFiled: January 6, 2012Date of Patent: August 27, 2013Assignee: Bank of America CorporationInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele
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Patent number: 8364567Abstract: Systems, methods, and computer program products are provided for a secure platform for conducting financial institution transactions. A game console platform is defined that provides for both individual customers and business customers to conduct financial transactions while ensuring higher integrity and confidentiality of the customer's transactions. Additionally, the platform provides for greater user-interface functionality and a heightened user experience.Type: GrantFiled: December 29, 2008Date of Patent: January 29, 2013Assignee: Bank of America CorporationInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele, Ketil Bjugan
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Patent number: 8234194Abstract: A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations.Type: GrantFiled: February 18, 2010Date of Patent: July 31, 2012Assignee: Bank of America CorporationInventors: Helene Urban Mele, William F Borowski, Willard H. Waldron, III
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Patent number: 8116453Abstract: Systems, methods, and computer program products are provided for user authentication required for conducting online financial institution transactions. The disclosed embodiments leverage the capabilities of platforms other than conventional personal computers and laptops, such as gaming consoles and wireless devices. Unique intrinsic user activities, such as controller motions or activities, built-in hardware signatures or other input data associated with a gaming console are used as the authentication mechanism, so as to provide a higher degree of security in the overall authentication process by lessening the likelihood of password replication or interception during network communication.Type: GrantFiled: December 29, 2008Date of Patent: February 14, 2012Assignee: Bank of America CorporationInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele
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Publication number: 20110246279Abstract: Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined by a particular geographic area. In other embodiments, the predefined community is created by the consumers themselves.Type: ApplicationFiled: March 31, 2010Publication date: October 6, 2011Applicant: BANK OF AMERICAInventors: David Joa, Timothy James Mark, Helene Urban Mele, Srinath Nagarajan, Kurt D. Newman
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Publication number: 20110246272Abstract: Embodiments of the invention provide methods, apparatuses, and computer program products for providing community rewards. For example, systems and methods are provided for: (1) accessing transaction data associated with a particular financial institution; (2) determining a threshold; (3) identifying from the transaction data a group of transactions associated with a predefined community and time period; (4) aggregating a particular aspect of the group of transactions associated with the predefined community to determine a community total; and (5) determining that a reward should be provided to the community based on a comparison of the community total and the threshold. In some embodiments, the predefined community is defined at least in part by a particular one or more merchants.Type: ApplicationFiled: March 31, 2010Publication date: October 6, 2011Applicant: BANK OF AMERICAInventors: David Joa, Timothy James Mark, Helene Urban Mele, Srinath Nagarajan, Kurt D. Newman
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Publication number: 20110202474Abstract: A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations.Type: ApplicationFiled: February 18, 2010Publication date: August 18, 2011Applicant: Bank of America CorporationInventors: Helene Urban Mele, William F. Borowski, Willard H. Waldron, III
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Publication number: 20100169202Abstract: Systems, methods, and computer program products are provided for a secure platform for conducting financial institution transactions. A game console platform is defined that provides for both individual customers and business customers to conduct financial transactions while ensuring higher integrity and confidentiality of the customer's transactions. Additionally, the platform provides for greater user-interface functionality and a heightened user experience.Type: ApplicationFiled: December 29, 2008Publication date: July 1, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele, Ketil Bjugan
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Publication number: 20100169659Abstract: Systems, methods, and computer program products are provided for user authentication required for conducting online financial institution transactions. The disclosed embodiments leverage the capabilities of platforms other than conventional personal computers and laptops, such as gaming consoles and wireless devices. Unique intrinsic user activities, such as controller motions or activities, built-in hardware signatures or other input data associated with a gaming console are used as the authentication mechanism, so as to provide a higher degree of security in the overall authentication process by lessening the likelihood of password replication or interception during network communication.Type: ApplicationFiled: December 29, 2008Publication date: July 1, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele