Patents by Inventor Richard H. Thomas

Richard H. Thomas 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: 20150363778
    Abstract: A system includes a memory and a processor coupled to the memory. The processor may communicate with an electronic payment service, the electronic payment service providing a virtual account associated with the customer and determine that the customer initiated a request for a financial transaction, the financial transaction configured to transfer an amount of currency from the virtual account to a destination. The processor is also able to validate the financial transaction based at least upon data received from the electronic payment service and determine the customer account is associated with the virtual account based at least upon data received from the electronic payment service. The processor also may determine a quantity of cryptocurrency equivalent to the amount of currency (the quantity of cryptocurrency associated with the customer account) and transfer the quantity of cryptocurrency to the electronic payment service.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363773
    Abstract: A system includes a memory and a processor. The memory may store a customer account associated with a customer and an enterprise account associated with an enterprise. The processor may be communicatively coupled to the memory and may cause the system to receive a request to deposit a first amount of a cryptocurrency in the customer account from the customer. The processor may also cause the system to determine a public key associated with the customer account and receive the first amount of the cryptocurrency. The processor may further cause the system to determine a first value approximately equivalent to the first amount of cryptocurrency and associate the first value with the customer account. The processor is further able to aggregate the first amount of cryptocurrency with an aggregated amount of the cryptocurrency in the enterprise account and facilitate securing the public key in the enterprise account.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363783
    Abstract: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363769
    Abstract: A system comprises a memory operable to store a set of conversion rules. The system also comprises a processor communicatively coupled to the memory. The processor is able to receive an electronic request for a cryptocurrency conversion requesting a conversion of a first currency into a second currency, wherein the second currency is a cryptocurrency. The processor is further able to retrieve price data associated with the first and second currencies and determine whether the conversion is optimal. In response to determining the conversion is optimal, the processor determines a plurality of exchange rates associated with converting the first currency into the second currency and determines an optimal exchange rate of the plurality of exchange rates. The processor is further able to initiate, essentially simultaneously as the determination that the conversion is optimal, converting the first currency into the second currency.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363772
    Abstract: A system may include a memory and processor. The processor may be configured to receive an electronic request to store a private key associated with a cryptocurrency. The processor may also be configured to generate a first vault key based at least in part upon the private key and generate a second vault key based at least in part upon the private key. The processor may also be able to facilitate the storage of the first vault key at a first data center and facilitate the storage of the second vault key at a second data center.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Richard H. Thomas
  • Publication number: 20150032619
    Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity and one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, account data from the plurality of accounts, monitor transactions in the plurality of accounts, determine one or more transaction patterns, determine one or more proposed transactions, wherein the one or more proposed transactions represent electronic transfers of funds involving one or more of the plurality of accounts, and determine one or more advantages to the entity associated with the one or more proposed transactions.
    Type: Application
    Filed: July 24, 2013
    Publication date: January 29, 2015
    Applicant: Bank of America Corporation
    Inventors: Joseph B. Castinado, Gregory G. Farr, Richard H. Thomas, Shilpoo Agrawal, Matthew J. Stowell, Bonnie L. Dolan
  • Publication number: 20150032601
    Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts associated with an entity, one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access account data from the plurality of accounts, the one or more interfaces further operable to receive a service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity, the one or more processors further operable to determine one or more second of the plurality of accounts associated with the entity, and filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts.
    Type: Application
    Filed: July 24, 2013
    Publication date: January 29, 2015
    Applicant: Bank of America Corporation
    Inventors: Joseph B. Castinado, Gregory G. Farr, Richard H. Thomas, Shilpoo Agrawal, Matthew J. Stowell, Bonnie L. Dolan, Ganesan Muthukrishnan
  • Publication number: 20150032600
    Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more processors operable to access first charge information associated with electronic transactions related to a plurality of nodes, access second charge information associated with electronic transactions related to a plurality of regulatory authorities, access a plurality of previously executed electronic transactions associated with a user, determine one or more transaction patterns based on the plurality of previously executed electronic transactions, determine a current cost associated with the one or more transaction patterns based at least in part on the first and second charge information, and determine, based at least in part on the first and second charge information, one or more proposed electronic transactions associated with a proposed cost less than the current cost.
    Type: Application
    Filed: July 24, 2013
    Publication date: January 29, 2015
    Applicant: Bank of America Corporation
    Inventors: Joseph B. Castinado, Gregory G. Farr, Richard H. Thomas, Bonnie L. Dolan
  • Publication number: 20150032620
    Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive service data related to a plurality of service requests, receive a first message identifying a user, an electronic transaction service, and a problem associated with the user and the electronic transaction service, communicate a second message to one or more service administrators identifying the user, the electronic transaction service, and the problem, receive, from at least one of the one or more service administrators, authorization credentials and a limit to the use of the electronic transaction service for the user, and one or more processors operable to determine whether the authorization credentials satisfy authorization criteria, and, if the authorization credentials satisfy the authorization criteria, apply the limit to a subsequent service request by the user.
    Type: Application
    Filed: July 24, 2013
    Publication date: January 29, 2015
    Applicant: Bank of America Corporation
    Inventors: Joseph B. Castinado, Gregory G. Farr, Richard H. Thomas, Bonnie L. Dolan
  • Patent number: 8548854
    Abstract: Systems and methods for providing content to a user at an account accessing device is described A first user input may be received at a first account processing device. A type of channel between the user and the account accessing device, a temporal parameter associated with the first access, user used financial entity services associated with at least one account of the user and current allowable actions on the first account by the user may be determined. A second user input may be received indicating an action, of the current allowable actions, of the user at the first account accessing device. Content for output to the user upon another occurrence of the user accessing the first account accessing device may be determined. The content may be based upon at least one behavioral characteristic of the user and may be an offer for at least one user unused financial entity service.
    Type: Grant
    Filed: May 10, 2011
    Date of Patent: October 1, 2013
    Assignee: Bank of America Corporation
    Inventors: Craig Scott Sobol, Ty C. Vaughan, Richard H. Thomas, Jan Vlcek, Sunil Mathur, Jian James Chen, Marcin Pietras, Mukesh Mittal, Richard Knafelz
  • Publication number: 20120290355
    Abstract: Systems and methods for identifying one or more customer behavioral characteristics based on data received from one or more sources is provided. The system and method include receiving customer data from a first source which may include a current access parameter and a plurality of previous access parameters. A pattern may be identified in the current access parameter and previous access parameters. The system and method may include receiving customer data from a second data source different from the first data source. A second current access parameter and second plurality of previous parameters may be received and a pattern may be identified between the second current access parameter and the second previous parameters. The identified patterns may be compiled to identify one or more customer behavioral characteristics.
    Type: Application
    Filed: May 10, 2011
    Publication date: November 15, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Craig Scott Sobol, Ty C. Vaughan, Richard H. Thomas, Jan Vlcek, Sunil Mathur, Jian James Chen, Marcin Pietras, Mukesh Mittal, Richard Knafelz
  • Publication number: 20120290398
    Abstract: Systems and methods for providing content to a user at an account accessing device is described A first user input may be received at a first account processing device. A type of channel between the user and the account accessing device, a temporal parameter associated with the first access, user used financial entity services associated with at least one account of the user and current allowable actions on the first account by the user may be determined. A second user input may be received indicating an action, of the current allowable actions, of the user at the first account accessing device. Content for output to the user upon another occurrence of the user accessing the first account accessing device may be determined. The content may be based upon at least one behavioral characteristic of the user and may be an offer for at least one user unused financial entity service.
    Type: Application
    Filed: May 10, 2011
    Publication date: November 15, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Craig Scott Sobol, Ty C. Vaughan, Richard H. Thomas, Jan Vlcek, Sunil Mathur, Jian James Chen, Marcin Pietras, Mukesh Mittal, Richard Knafelz
  • Patent number: 5316109
    Abstract: A lockdown apparatus for releasably locking a coaxially mounted series of tool heads in a slitter-scorer machine includes an elongate locking member movable into simultaneous engagement with locking surfaces on each of the tool heads and a flexible membrane interposed directly between the locking member and the locking surfaces which membrane is flexed into and out of direct locking engagement with the locking surfaces by movement of the locking member. The flexible membrane may be used with either a rotary or reciprocal locking member and, in either case, the flexible membrane may be secured against movement with respect to the tool heads when they are locked such that unavoidable longitudinal movement of the locking member will not disrupt the critically accurate locked positions of the tool heads. The rotary lockdown apparatus utilizes an elongate cam of the type known in the prior art and, in the reciprocal lockdown apparatus, the locking bar comprises the armature of a solenoid.
    Type: Grant
    Filed: January 29, 1990
    Date of Patent: May 31, 1994
    Assignee: Marquip Inc.
    Inventors: Richard H. Thomas, Gerald K. Langreck
  • Patent number: 4919414
    Abstract: A shingle handling and squaring device (18) is disposed between a sheet shingler (5) and stacker (9) and mounted above a stack infeed conveyor (19). The device includes a pair of side carriages (23,24), each of which carries a pair of freely rotatable longitudinally in-line tamping rollers or wheels (29-32), the peripheries of which are adapted to engage an edge of the traveling sheet material (6). The wheels are mounted for rotation about generally vertical but slightly inclined axes (48) and have tapered peripheries (51) so that the wheels nevertheless present truly vertical faces to the sheet material. The wheels are counterbalanced (56). In addition, when the stacker infeed nip roll (17) is raised by the entry of shingled sheets, a device (57-60) is provided to release the nip roll from the sheets to prevent binding.
    Type: Grant
    Filed: September 29, 1988
    Date of Patent: April 24, 1990
    Assignee: Marquip, Inc.
    Inventors: Carl R. Marschke, Richard H. Thomas, William D. Wendorf
  • Patent number: 4776577
    Abstract: A vacuum shingler for a plurality of sheets (9) traveling in succession through an upstream infeed nip (13) is provided with a vacuum modulating control which applies sheet slow-down forces primarily to only the tail ends of the sheets. In one embodiment, the control provides a substantially "on-off" vacuum operation, with the vacuum "off" when the leading end portion of the sheet is adjacent the vacuum plenum opening(s) (39), and with the vacuum "on" when the tail end portion of the sheet is adjacent the opening(s). In another embodiment, the control modulates the vacuum so that it is at a basically unshingling low or reduced level when the leading end portion of the sheet is adjacent the opening(s), and is at a substantially increased high level when the tail end portion of the sheet is adjacent the opening(s) so that basic shingling occurs.
    Type: Grant
    Filed: March 10, 1987
    Date of Patent: October 11, 1988
    Assignee: Marquip, Inc.
    Inventors: Carl R. Marschke, Richard H. Thomas, Dennis W. Rodewald
  • Patent number: 4598901
    Abstract: A conveyor system wherein sheets (10) are conveyed from a cutter (9) or the like at a given speed, are increased in speed before passing through a vacuum conveyor shingling section (5), are slowed down at the shingling section and then normally proceed at the slowed-down speed to a stacker (8) which is adapted to stack a fixed number of sheets before discharging a stack. The sheets are basically handled in accordance with the device disclosed in U.S. Pat. No. 4,200,276. To prevent scattering of the sheets during shingling due to high input conveyor speeds and the like, the vacuum conveyor shingling section (5) includes a second (or pre-shingling) conveyor (38) upstream of the original shingling conveyor (15). The pre-shingling conveyor operates at a relatively high rate of speed while the original shingling conveyor operates at a relatively low rate of speed (which nevertheless may be as high as the device of the patent) relative to the sheet input speed.
    Type: Grant
    Filed: October 24, 1984
    Date of Patent: July 8, 1986
    Assignee: Marquip, Inc.
    Inventor: Richard H. Thomas
  • Patent number: 4548112
    Abstract: A device for cutting successive sheets from a traveling web includes a pair of thin-walled knife-carrying cutting cylinders concentrically mounted over fixed supporting shafts. To prevent ringing of the shafts at high cutting frequencies, due to resonant frequency interference, each support shaft is formed by a body having an inperforate cylindrical wall. The cylindrical wall of the support shaft is closed at both ends to form an uninterrupted cylindrical cavity extending from end to end of the cylindrical wall. Furthermore, and to prevent poor cuts due to changes in the alignment of the cutting knives, the amplitude of vibrations occurring at the time of each cut is reduced. The cavity of the support shaft is filled with a flowable vibration damping material which is not firmly affixed to the cavity walls and thus forms no significant part of the mass of the support shaft.
    Type: Grant
    Filed: July 20, 1984
    Date of Patent: October 22, 1985
    Assignee: Marquip, Inc.
    Inventor: Richard H. Thomas