Patents by Inventor Linda Haddad

Linda Haddad 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: 20240185295
    Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.
    Type: Application
    Filed: December 2, 2022
    Publication date: June 6, 2024
    Inventors: Eric Dryer, Pratap Dande, Kevin A. Delson, Gilbert Gatchalian, Lalit Dhawan, Linda Haddad, Morgan Allen
  • Patent number: 11968188
    Abstract: Apparatus and methods disclosed herein provide technical solutions improving the security of email messages. An email message may be encrypted so that a predetermined passcode is not required to access the email message. Apparatus and methods may route email messages through a remote portal. The email message may only be transmitted to the recipient via the portal. In some instances, the contents of an email message may not be transmitted from the portal to the recipient. Rather, the recipient may only access the email message from within the portal. Such restricted access may be preferably less complex because the recipient's computer terminal may automatically connect to the portal.
    Type: Grant
    Filed: December 16, 2021
    Date of Patent: April 23, 2024
    Assignee: Bank of America Corporation
    Inventors: Linda Haddad, Katherine Jameson, Alex Y. Yang, Neha Joshi
  • Patent number: 11968207
    Abstract: Apparatus and methods for reverse identification and authentication are provided. The apparatus and methods may include a server receiving a request from a user device to authenticate an entity, forming a communication channel between the entity and the user device, requesting the entity provide authentication credentials, and authenticating the entity. When the entity is authenticated, the server may notify the user through the authentication channel, a mobile device application, or another method. An entity may proactively authenticate itself to a user through the central server, in anticipation of a communication between the entity and user.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: April 23, 2024
    Assignee: Bank of America Corporation
    Inventors: Linda Haddad, Lauren K. Alleman, Casey Andrew Augustine
  • Patent number: 11909888
    Abstract: Aspects of the disclosure relate to an electronic document sharing and signing (DSS) ecosystem for electronic document authentication and authorization. The DSS ecosystem may preferably provide a communication platform between a first user information database associated with a first entity and a second user information database associated with a second entity. The DSS ecosystem may include a signer information database. The signer information database may be coupled to the first user information database and the second user information database. The signer information database may be configured to be readable by the first entity and writeable to by the first entity, and readable by the second entity but not writeable to by the second entity. The signer database may include a list of signatory names associated with the first entity, and a plurality of electronically signed documents. Each of the documents may include an electronic signature applied by a signatory whose name appears on the signatory list.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: February 20, 2024
    Assignee: Bank of America Corporation
    Inventors: Linda Haddad, Denise D. Marcus, Kamesh R. Gottumukkala
  • Patent number: 11789916
    Abstract: A method for reducing a storage of duplicated documents is provided. Methods may include hashing each document stored in the centralized data repository by executing a hashing algorithm on the document, outputting a hash-value and adding the hash-value and a hash pointer to a hash table. Methods may further include crawling the hash table to identify duplicate hash-values. For each hash-value recorded on the hash table two or more times, methods may include combining two or more duplicate hash-values into a cluster and for each cluster identifying, on the hash table, a unique hash-value. For the unique hash-value, methods may include maintaining the unique hash-value on the hash table and maintaining the document corresponding to the unique hash-value in the memory address. For each remaining duplicate hash-value stored in the cluster, deleting the corresponding document from the memory address and store the reference pointer at the memory address.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: October 17, 2023
    Assignee: Bank of America Corporation
    Inventors: Linda Haddad, Casey Andrew Augustine, Katherine Jameson, Lauren K. Alleman, Neha Joshi
  • Publication number: 20230245090
    Abstract: A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
    Type: Application
    Filed: February 22, 2023
    Publication date: August 3, 2023
    Inventors: Rosemary Hill, Linda Haddad, Susan Moss, Kathleen D. Schaumburg, Nancy T. Carrier
  • Publication number: 20230198969
    Abstract: Apparatus and methods disclosed herein provide technical solutions improving the security of email messages. An email message may be encrypted so that a predetermined passcode is not required to access the email message. Apparatus and methods may route email messages through a remote portal. The email message may only be transmitted to the recipient via the portal. In some instances, the contents of an email message may not be transmitted from the portal to the recipient. Rather, the recipient may only access the email message from within the portal. Such restricted access may be preferably less complex because the recipient’s computer terminal may automatically connect to the portal.
    Type: Application
    Filed: December 16, 2021
    Publication date: June 22, 2023
    Inventors: Neha Joshi, Linda Haddad, Katherine Jameson, Lauren K. Alleman
  • Publication number: 20230198958
    Abstract: Apparatus and methods disclosed herein provide technical solutions improving the security of email messages. An email message may be encrypted so that a predetermined passcode is not required to access the email message. Apparatus and methods may route email messages through a remote portal. The email message may only be transmitted to the recipient via the portal. In some instances, the contents of an email message may not be transmitted from the portal to the recipient. Rather, the recipient may only access the email message from within the portal. Such restricted access may be preferably less complex because the recipient's computer terminal may automatically connect to the portal.
    Type: Application
    Filed: December 16, 2021
    Publication date: June 22, 2023
    Inventors: Linda Haddad, Katherine Jameson, Alex Y. Yang, Neha Joshi
  • Publication number: 20230186291
    Abstract: Apparatus and methods for utilizing non-fungible tokens (“NFTs”) as universal digital identification are provided. A user may be assigned an NFT on a distributed ledger attesting to the user's identity. The user may request to be authenticated. The user may be prompted to transfer the NFT to a smart contract on the distributed ledger. An authentication program may check the NFT and the NFT's history on the ledger to determine that the NFT belongs to the user. When the NFT belongs to the user, the authentication program may authenticate the user. The smart contract may transfer the NFT back to the user, so that the user may use the NFT again to be authenticated.
    Type: Application
    Filed: December 14, 2021
    Publication date: June 15, 2023
    Inventors: Linda Haddad, Lauren K. Alleman, Casey Andrew Augustine
  • Publication number: 20230188517
    Abstract: Apparatus and methods for reverse identification and authentication are provided. The apparatus and methods may include a server receiving a request from a user device to authenticate an entity, forming a communication channel between the entity and the user device, requesting the entity provide authentication credentials, and authenticating the entity. When the entity is authenticated, the server may notify the user through the authentication channel, a mobile device application, or another method. An entity may proactively authenticate itself to a user through the central server, in anticipation of a communication between the entity and user.
    Type: Application
    Filed: December 14, 2021
    Publication date: June 15, 2023
    Inventors: Linda Haddad, Lauren K. Alleman, Casey Andrew Augustine
  • Publication number: 20230185783
    Abstract: A method for reducing a storage of duplicated documents is provided. Methods may include hashing each document stored in the centralized data repository by executing a hashing algorithm on the document, outputting a hash-value and adding the hash-value and a hash pointer to a hash table. Methods may further include crawling the hash table to identify duplicate hash-values. For each hash-value recorded on the hash table two or more times, methods may include combining two or more duplicate hash-values into a cluster and for each cluster identifying, on the hash table, a unique hash-value. For the unique hash-value, methods may include maintaining the unique hash-value on the hash table and maintaining the document corresponding to the unique hash-value in the memory address. For each remaining duplicate hash-value stored in the cluster, deleting the corresponding document from the memory address and store the reference pointer at the memory address.
    Type: Application
    Filed: December 14, 2021
    Publication date: June 15, 2023
    Inventors: Linda Haddad, Casey Andrew Augustine, Katherine Jameson, Lauren K. Alleman, Neha Joshi
  • Patent number: 11631072
    Abstract: A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
    Type: Grant
    Filed: June 11, 2021
    Date of Patent: April 18, 2023
    Assignee: Bank of America Corporation
    Inventors: Rosemary Hill, Linda Haddad, Susan Moss, Kathleen D. Schaumburg, Nancy T. Carrier
  • Patent number: 11627142
    Abstract: Apparatus and methods for generating a unique token that can be imprinted on a document to attest to the verification of an executor's signature. The apparatus and methods may include a platform that may present a token electronically to the executor via a first electronic channel. The executor may use a registered device to capture a portion of the token, and transmit the portion from the registered device to the platform via a second channel to the platform. The platform may verify that the portion is registered to the executor. The platform may combine the portion with another portion of the token, and imprint the pair of combined portions on the document with another token.
    Type: Grant
    Filed: October 7, 2021
    Date of Patent: April 11, 2023
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Thomas J. Durkin, Linda Haddad
  • Patent number: 11546172
    Abstract: Aspects of the disclosure relate to a transmission logic for selecting an authorized signatory as a recipient for an electronic document for signature. The transmission logic forms a part of a communications platform. The platform, including a first electronic communications pathway and a second electronic communications pathway, conducts and supports communication between a first entity and a second entity. The logic may generate an electronic document together with a request for an electronic signature, flag the document and transmit the document along the first electronic communications pathway to an authorized signatory at the second entity. The logic may also select a signatory according to a predetermined protocol, determine the availability of the selected signatory, confirm the selection, and transmit the electronic document to the authorized signatory for signature. Upon notification of the electronic signature, the logic may transmit, along the second pathway, the document to the first entity.
    Type: Grant
    Filed: March 22, 2021
    Date of Patent: January 3, 2023
    Assignee: Bank of America Corporation
    Inventor: Linda Haddad
  • Publication number: 20220398561
    Abstract: A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.
    Type: Application
    Filed: June 11, 2021
    Publication date: December 15, 2022
    Inventors: Rosemary Hill, Linda Haddad, Susan Moss, Kathleen D. Schaumburg, Nancy T. Carrier
  • Publication number: 20220311766
    Abstract: Aspects of the disclosure relate to notification, and assistance systems that may utilize sensor-based authentication techniques. A computing platform may receive user information corresponding to a first user. The user information may be authentication information from a sensor and/or a first communication device associated with the user. Based on the received user information, the computing platform may authenticate an identity of the first user and determine a location of the first user. Then, based on authenticating the identity and determining the location, the sensor may retrieve data corresponding to the first user and transmit the data to a second communication device.
    Type: Application
    Filed: June 13, 2022
    Publication date: September 29, 2022
    Inventors: Kamesh R. Gottumukkala, Siten Sanghvi, Linda Haddad, Jeff Lojko
  • Publication number: 20220292501
    Abstract: A system for protecting the privacy of consumer assets. The system may include a web-based interface. The web-based interface may include an entity-facing side and a consumer-facing side. The system may include an internal processing executable executing on a processor. The internal processing executable may be obscured from and inaccessible to, both the entity-facing side and the consumer-facing side. The entity-facing side of the web-based interface may prompt the user to provide opt-in permission, receive profile data from the consumer, generate a record for the consumer, enter a minimum asset amount and initiate a funds verification process for the consumer. The consumer-facing side of the web-based interface may receive opt-in permission and receive asset data. The executable may execute a query using on the one or more assets using existing financial rails and/or new financial rails.
    Type: Application
    Filed: December 7, 2021
    Publication date: September 15, 2022
    Inventors: Michael G. Horstman, Linda Haddad
  • Patent number: 11418503
    Abstract: Aspects of the disclosure relate to notification, and assistance systems that may utilize sensor-based authentication techniques. A computing platform may receive user information corresponding to a first user. The user information may be authentication information from a sensor and/or a first communication device associated with the user. Based on the received user information, the computing platform may authenticate an identity of the first user and determine a location of the first user. Then, based on authenticating the identity and determining the location, the sensor may retrieve data corresponding to the first user and transmit the data to a second communication device.
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: August 16, 2022
    Assignee: Bank of America Corporation
    Inventors: Kamesh R. Gottumukkala, Siten Sanghvi, Linda Haddad, Jeff Lojko
  • Patent number: 11394557
    Abstract: Aspects of the disclosure relate to a transmission logic for selecting an authorized signatory as a recipient for an electronic document for signature. The transmission logic forms a part of a communications platform. The platform, including a first electronic communications pathway and a second electronic communications pathway, conducts and supports communication between a first entity and a second entity. The logic may generate an electronic document together with a request for an electronic signature, flag the document and transmit the document along the first electronic communications pathway to an authorized signatory at the second entity. The logic may also select a signatory according to a predetermined protocol, determine the availability of the selected signatory, confirm the selection, and transmit the electronic document to the authorized signatory for signature. Upon notification of the electronic signature, the logic may transmit, along the second pathway, the document to the first entity.
    Type: Grant
    Filed: May 1, 2019
    Date of Patent: July 19, 2022
    Assignee: Bank of America Corporation
    Inventor: Linda Haddad
  • Publication number: 20220030005
    Abstract: Apparatus and methods for generating a unique token that can be imprinted on a document to attest to the verification of an executor's signature. The apparatus and methods may include a platform that may present a token electronically to the executor via a first electronic channel. The executor may use a registered device to capture a portion of the token, and transmit the portion from the registered device to the platform via a second channel to the platform. The platform may verify that the portion is registered to the executor. The platform may combine the portion with another portion of the token, and imprint the pair of combined portions on the document with another token.
    Type: Application
    Filed: October 7, 2021
    Publication date: January 27, 2022
    Inventors: Manu Kurian, Thomas J. Durkin, Linda Haddad