Patents by Inventor Matthew K. Bryant
Matthew K. Bryant 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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Publication number: 20180063125Abstract: Systems and arrangements for modifying the functionality of a computing device are provided. A user may initiate an event at the computing device and may select an option to provide enhanced operations. The system may then modify the functionality of the computing device to enable enhanced operations and may request authentication information from the user. The authentication information may be provided via a mobile computing device of the user and may include, in some arrangements, biometric information of the user. Upon authenticating the user, a user interface may be generated including enhanced operations available for selection. Selection of an operation may be received and the system may determine whether additional information is needed to process the operation. The additional information may be received from the mobile computing device of the user. Upon receiving the additional information, the event/operation may be processed and the enhanced operations may be disabled.Type: ApplicationFiled: August 31, 2016Publication date: March 1, 2018Inventors: Matthew K. Bryant, Nathan Dent
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Publication number: 20170061424Abstract: The present disclosure describes using wearable presence to maintain account authentication. Embodiments herein disclosed receive an authentication request from a wearable device of a user to initiate a transaction using the wearable device; wherein the wearable device includes one or more sensors configured to gather user data including physiological or movement data, or a combination of both; wherein the authentication request includes a transaction type, a transaction amount, and at least one account to be used via the wearable device for the transaction. Embodiments determine if the user is in possession of the wearable device, based on the user data; and, if so, authenticate the at least one account. Embodiments continuously monitor user data from the wearable device to determine if the user remains in possession of the wearable device; and, if so, maintain authentication to the account, thereby allowing the user to conduct one or more transactions upon authentication.Type: ApplicationFiled: September 1, 2015Publication date: March 2, 2017Inventors: Nathan Dent, Matthew K. Bryant, Nicholas Munson
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Publication number: 20170061423Abstract: The present disclosure describes using wearable to control user account operation. Embodiments herein disclosed receive an operation request from a wearable device of a user to control the operation of at least one account of the user using the wearable device; wherein the operation includes turning on or off the account, placing a limit on a payment for a transaction, and/or the like; wherein the wearable device has one or more sensors configured to gather user data including physiological or movement data, or a combination of both. Embodiments herein disclosed determine whether or not the user is in possession of the wearable device, based on the user data; and grant the operation request to control the operation of the at least one account, based at least partially on the determination of that the user is in possession of the wearable device.Type: ApplicationFiled: September 1, 2015Publication date: March 2, 2017Inventors: Matthew K. Bryant, Nathan Dent, Nicholas Munson
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Publication number: 20170061405Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authenticating a wearable device for transaction queuing. The system enables a user to pre-authenticate the wearable device and utilize the pre-authenticated wearable device to execute one or more transactions, from a pending transaction queue, without requiring additional authentication credentials for each transaction. In this regard, the system is configured to receive limits associated with the use of the wearable device and enable the user to initiate a transaction associated with a transaction terminal. Furthermore the system may suggest one or more suitable locations of transaction terminals. The system may then place the transaction in a pending transaction queue and transmit a notification to the user indicating that the transaction has been processed.Type: ApplicationFiled: September 1, 2015Publication date: March 2, 2017Inventor: Matthew K. Bryant
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Patent number: 9514463Abstract: Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.Type: GrantFiled: September 16, 2015Date of Patent: December 6, 2016Assignee: BANK OF AMERICA CORPORATIONInventors: David M. Grigg, Richard Andrew Starbuck, Carrie Anne Hanson, Alicia C. Jones-McFadden, Nathan Dent, Nicholas Munson, Matthew K. Bryant
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Patent number: 9342963Abstract: The present disclosure provides systems and methods for implementing a self-service terminal (“SST”) monitoring, notification and maintenance system. Embodiments of the proposed invention may simplify a task of locating an operational SST having a specific operational status and/or capability within a geographic area. Embodiments may automatically determine and monitor an operational status and/or capabilities of a SST. The operational status may include an operational status indicative of a SST that need servicing or repair. A location of a device used to submit a request for SST information may be automatically determined. Location, operational status and directions on how to locate a specific SST within a distance of the determined location may be transmitted in response to a request for SST information. The operational status of multiple SSTs within a geographic area may be monitored.Type: GrantFiled: April 14, 2011Date of Patent: May 17, 2016Assignee: Bank of America CorporationInventors: William H. McGraw, IV, Richard L. Fitzgerald, Matthew K. Bryant
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Publication number: 20160005048Abstract: Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.Type: ApplicationFiled: September 16, 2015Publication date: January 7, 2016Inventors: David M. Grigg, Richard Andrew Starbuck, Carrie Anne Hanson, Alicia C. Jones-McFadden, Nathan Dent, Nicholas Munson, Matthew K. Bryant
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Publication number: 20140372285Abstract: To monitor transaction time, a first plurality of events is received. A transaction is associated with the first plurality of events. A time is determined for each event of the first plurality of events in the transaction to occur. An average time is calculated for a second plurality of events to occur based on the time of events in the first plurality of events. The second plurality of events is determined from a plurality of transactions and is based on one or more attributes, and the second plurality of events includes events from the first plurality of events. A standard deviation and a coefficient of variation are calculated for each event in the second plurality of events.Type: ApplicationFiled: June 12, 2013Publication date: December 18, 2014Inventors: Matthew K. Bryant, Devin D. Rhodes, Daryoosh Shirbabadi
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Patent number: 8746551Abstract: A method for predicting failure in an Automated Teller Machine (ATM) is provided. The method may include using a database to store information relating to the performance of a component function by an ATM component. The information may include normal performance information and fault information. The method may further include using a computational module to calculate a fault rate for the ATM component. The method may also include using a processor to compare the calculated fault rate to a threshold value associated with the component function. In the event that the fault rate exceeds the threshold value, the processor may initiate a request for service of the ATM component.Type: GrantFiled: February 14, 2012Date of Patent: June 10, 2014Assignee: Bank of America CorporationInventors: Matthew K. Bryant, Nicholas J. Munson, Daniel J. Farinella, William H. McGraw, Nathan Dent, Richard L. Fitzgerald
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Patent number: 8634322Abstract: Apparatus and methods for adaptive network throttling are provided. Adaptive network throttling may allow a device to communicate information using a shared network link without negatively impacting other devices utilizing the shared link. Adaptive network throttling may regulate communication of each device independently of network link or device hardware specifications. Adaptive network throttling may ensure that each device utilizing the shared network link inserts a time delay following a communication of information. The time delay may represent bandwidth on the shared network link that is not being used by a device. The unused bandwidth may be available to other devices communicating over the shared network link.Type: GrantFiled: February 18, 2012Date of Patent: January 21, 2014Assignee: Bank of America CorporationInventors: Matthew K. Bryant, William H. McGraw, IV
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Publication number: 20130325643Abstract: Apparatus, methods and media for providing a transaction between a customer and a merchant. The apparatus may include a processor that is configured to register in a machine readable memory a purchasing proxy that corresponds to the customer and the merchant; a receiver that is configured to receive from the merchant transaction information that includes the purchasing proxy; and a transmitter that is configured to transmit transaction authorization information to the merchant based on the transaction information and customer account information that is co-registered, in the machine readable memory, with the purchasing proxy.Type: ApplicationFiled: May 31, 2012Publication date: December 5, 2013Applicant: Bank of AmericaInventors: Nathan Dent, Matthew K. Bryant, Nicholas James Munson
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Patent number: 8593971Abstract: Methods and apparatus according to the invention are directed towards providing apparatus for targeting network problems. Such apparatus may include a database configured to store a workload. The apparatus may also include a transmitter configured to transmit the workload to a CPU included in an ATM via a telecommunications network. The workload may include instructions to (1) execute a script, (2) record an output generated from the execution of the script, and (3) transmit the recorded output via the telecommunications network to a receiver. The apparatus may further include the receiver being configured to receive the transmitted recorded output via the telecommunications network.Type: GrantFiled: January 25, 2011Date of Patent: November 26, 2013Assignee: Bank of America CorporationInventors: Matthew K. Bryant, Nicholas J. Munson, Daniel J. Farinella
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Publication number: 20130215767Abstract: Apparatus and methods for adaptive network throttling are provided. Adaptive network throttling may allow a device to communicate information using a shared network link without negatively impacting other devices utilizing the shared link. Adaptive network throttling may regulate communication of each device independently of network link or device hardware specifications. Adaptive network throttling may ensure that each device utilizing the shared network link inserts a time delay following a communication of information. The time delay may represent bandwidth on the shared network link that is not being used by a device. The unused bandwidth may be available to other devices communicating over the shared network link.Type: ApplicationFiled: February 18, 2012Publication date: August 22, 2013Applicant: Bank of AmericaInventors: Matthew K. Bryant, William H. McGraw, IV
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Publication number: 20130208295Abstract: A method for predicting failure in an Automated Teller Machine (ATM) is provided. The method may include using a database to store information relating to the performance of a component function by an ATM component. The information may include normal performance information and fault information. The method may further include using a computational module to calculate a fault rate for the ATM component. The method may also include using a processor to compare the calculated fault rate to a threshold value associated with the component function. In the event that the fault rate exceeds the threshold value, the processor may initiate a request for service of the ATM component.Type: ApplicationFiled: February 14, 2012Publication date: August 15, 2013Applicant: Bank of AmericaInventors: Matthew K. Bryant, Nicholas J. Munson, Daniel J. Farinella, William H. McGraw, Nathan Dent, Richard L. Fitzgerald
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Patent number: 8423465Abstract: Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services.Type: GrantFiled: March 18, 2010Date of Patent: April 16, 2013Assignee: Bank of America CorporationInventors: William H. McGraw, IV, Nathan Dent, Timothy B. Vannatter, Matthew K. Bryant
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Publication number: 20130013505Abstract: Apparatus and methods for controlling account access. The apparatus may include a receiver that is configured to receive from a customer an account access control instruction. The account access control instruction may change an access status of an account that holds funds belonging to the customer. The customer may be one of a plurality of customers of a financial institution. Each of the customers may own funds that are held in different accounts. The apparatus may include a processor. The processor may initialize an account access control program; and change the access status of the account between an activated state and a deactivated state. The processor may change the access status by transmitting a data object to an electronic payment platform.Type: ApplicationFiled: July 8, 2011Publication date: January 10, 2013Applicant: Bank of AmericaInventor: Matthew K. Bryant
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Patent number: 8108726Abstract: Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services.Type: GrantFiled: March 18, 2010Date of Patent: January 31, 2012Assignee: Bank of America CorporationInventors: William H. McGraw, IV, Nathan Dent, Timothy B. Vannatter, Matthew K. Bryant
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Publication number: 20110231705Abstract: Thus, methods and apparatus for providing adaptive diagnostics for ATM fault conditions are provided. Such methods and apparatus may include one or more computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for diagnosing an electronic self-service device fault condition. The method may include receiving an input from a self-service device. The input may include information regarding a fault-related event. The method may also include assessing a plurality of system-level ramifications of the fault-related event. In response to the assessing, the method may further include determining continued viability of a plurality of ATM services. The method may also include electronically providing a notification of a list of remaining viable self-service device services.Type: ApplicationFiled: March 18, 2010Publication date: September 22, 2011Applicant: Bank of AmericaInventors: William H. McGraw, IV, Nathan Dent, Timothy B. Vannatter, Matthew K. Bryant