Patents by Inventor Mark V. Krein
Mark V. Krein 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: 11127025Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 23, 2020Date of Patent: September 21, 2021Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 11127026Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. With one approach, principal component analysis is applied to a times series. Resulting normalized eigenvector content is sorted and distances between the normalized eigenvector content are determined, where the dispersion level of the distances is indicative of an economic instability of an economic system. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 24, 2020Date of Patent: September 21, 2021Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Publication number: 20200226624Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 24, 2020Publication date: July 16, 2020Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Publication number: 20200219115Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 23, 2020Publication date: July 9, 2020Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 10643225Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. With one approach, principal component analysis is applied to a times series. Resulting normalized eigenvector content is sorted and distances between the normalized eigenvector content are determined, where the dispersion level of the distances is indicative of an economic instability of an economic system. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 1, 2017Date of Patent: May 5, 2020Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 10636045Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: March 1, 2017Date of Patent: April 28, 2020Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 9741048Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: May 4, 2016Date of Patent: August 22, 2017Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Publication number: 20170178161Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 1, 2017Publication date: June 22, 2017Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Publication number: 20170178160Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: March 1, 2017Publication date: June 22, 2017Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 9639897Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: GrantFiled: May 4, 2016Date of Patent: May 2, 2017Assignee: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Publication number: 20160260114Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: May 4, 2016Publication date: September 8, 2016Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Publication number: 20160247234Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: May 4, 2016Publication date: August 25, 2016Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
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Patent number: 9135419Abstract: Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.Type: GrantFiled: February 1, 2010Date of Patent: September 15, 2015Assignee: Bank of America CorporationInventors: Kurt D. Newman, David Joa, Debashis Ghosh, Timothy J. Bendel, Mark V. Krein
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Publication number: 20150134565Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
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Publication number: 20150134410Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
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Publication number: 20150134564Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
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Publication number: 20150134511Abstract: Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to a withdrawal in excess of account balance. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.Type: ApplicationFiled: November 6, 2014Publication date: May 14, 2015Inventors: Debashis Ghosh, Kurt D. Newman, David Joa, Sundeshna Banerjee, Thayer Allison, Yanghong Shao, Mark V. Krein
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Publication number: 20150134411Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.Type: ApplicationFiled: November 12, 2013Publication date: May 14, 2015Applicant: Bank of America CorporationInventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
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Patent number: 8682785Abstract: Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.Type: GrantFiled: October 30, 2008Date of Patent: March 25, 2014Assignee: Bank of America CorporationInventors: Debashis Ghosh, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein
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Patent number: 8527403Abstract: In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods.Type: GrantFiled: January 22, 2010Date of Patent: September 3, 2013Assignee: Bank of America CorporationInventors: Yanghong Shao, Debashis Ghosh, Thayer S. Allison, Jr., Mark V. Krein, David Joa, Kurt D. Newman, Timothy J. Bendel, Sudeshna Banerjee