Patents by Inventor Rosemary Hill
Rosemary Hill 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: 20230245090Abstract: 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: ApplicationFiled: February 22, 2023Publication date: August 3, 2023Inventors: Rosemary Hill, Linda Haddad, Susan Moss, Kathleen D. Schaumburg, Nancy T. Carrier
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Patent number: 11631072Abstract: 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: GrantFiled: June 11, 2021Date of Patent: April 18, 2023Assignee: Bank of America CorporationInventors: Rosemary Hill, Linda Haddad, Susan Moss, Kathleen D. Schaumburg, Nancy T. Carrier
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Publication number: 20230101582Abstract: Information security processes, systems, and machines for authenticating users, wirelessly detecting a user's local devices, calculating a trust score based on the local devices, and setting a transaction limit are disclosed. An ATM or POS machine can read a card, authenticate a user, and wirelessly read MAC or other unique hardware addresses for one or more of the user's local devices. Trust scores can be calculated based on the number of local devices that are detected in relation to the number of the user's devices that are registered, the historical presence of the user's devices during prior transactions, historical usage of the ATM or POS machine, geolocating, biometric authentication(s), etc. Dynamic transaction limits, types, and rights may be set for transactions corresponding to the trust score values. Transactions may be conducted wholly or partially in a contactless fashion.Type: ApplicationFiled: September 28, 2021Publication date: March 30, 2023Inventors: Bradley Long, Joshua S. Burrell, Rosemary Hill
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Publication number: 20220398561Abstract: 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: ApplicationFiled: June 11, 2021Publication date: December 15, 2022Inventors: Rosemary Hill, Linda Haddad, Susan Moss, Kathleen D. Schaumburg, Nancy T. Carrier
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Patent number: 11178210Abstract: Aspects of the disclosure relate to transmission of visual content to a display device. A computing platform may receive user information corresponding to a user. The computing platform may determine, based on authentication information in the user information, a profile corresponding to the user, and further determine a visual data file. The computing platform may determine, based on the user information, a display device, among a plurality of display devices. The computing platform may add the visual data file to a playlist associated with the display device. The computing platform may transmit, to the display device, data corresponding to the visual data file.Type: GrantFiled: September 16, 2019Date of Patent: November 16, 2021Assignee: Bank of America CorporationInventors: Matthew M. Choiniere, Griffin Rice, Rosemary Hill, Arpit Gupta
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Publication number: 20210084099Abstract: Aspects of the disclosure relate to transmission of visual content to a display device. A computing platform may receive user information corresponding to a user. The computing platform may determine, based on authentication information in the user information, a profile corresponding to the user, and further determine a visual data file. The computing platform may determine, based on the user information, a display device, among a plurality of display devices. The computing platform may add the visual data file to a playlist associated with the display device. The computing platform may transmit, to the display device, data corresponding to the visual data file.Type: ApplicationFiled: September 16, 2019Publication date: March 18, 2021Inventors: Matthew M. Choiniere, Griffin Rice, Rosemary Hill, Arpit Gupta
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Patent number: 10922911Abstract: Embodiments of the present invention provide a system for the use of a collapsible and deployable interactive structure. An interactive structure that is collapsible and deployable is provided in an outdoor or interior location. The interactive structure includes at least a door with a locking mechanism, an interior display, and a physical presence sensor, and may include ceiling tiles made of melt-away material, external displays, and an external bench that houses electrical components. Communication with a user is initiated, and information about the user is obtained for authentication and identification purposes. The user is authenticated, thereby unlocking the door to allow the user to enter the interactive structure. Once the user is inside, the interior display is activated to allow an underlying system to communicate with the user to determine a desired action for with the user. The interior display and underlying system facilitate the performance of the desired action.Type: GrantFiled: December 30, 2019Date of Patent: February 16, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Jennifer A. Cameron, Maria Cannizzo, Colin Christopherson, Kevin Albert Cooper, Rosemary Hill, Holly Trucco Hillary, Brian Joseph Smith
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Publication number: 20200134951Abstract: Embodiments of the present invention provide a system for the use of a collapsible and deployable interactive structure. An interactive structure that is collapsible and deployable is provided in an outdoor or interior location. The interactive structure includes at least a door with a locking mechanism, an interior display, and a physical presence sensor, and may include ceiling tiles made of melt-away material, external displays, and an external bench that houses electrical components. Communication with a user is initiated, and information about the user is obtained for authentication and identification purposes. The user is authenticated, thereby unlocking the door to allow the user to enter the interactive structure. Once the user is inside, the interior display is activated to allow an underlying system to communicate with the user to determine a desired action for with the user. The interior display and underlying system facilitate the performance of the desired action.Type: ApplicationFiled: December 30, 2019Publication date: April 30, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Jennifer A. Cameron, Maria Cannizzo, Colin Christopherson, Kevin Albert Cooper, Rosemary Hill, Holly Trucco Hillary, Brian Joseph Smith
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Patent number: 10521991Abstract: Embodiments of the present invention provide a system for the use of a collapsible and deployable interactive structure. An interactive structure that is collapsible and deployable is provided in an outdoor or interior location. The interactive structure includes at least a door with a locking mechanism, an interior display, and a physical presence sensor, and may include ceiling tiles made of melt-away material, external displays, and an external bench that houses electrical components. Communication with a user is initiated, and information about the user is obtained for authentication and identification purposes. The user is authenticated, thereby unlocking the door to allow the user to enter the interactive structure. Once the user is inside, the interior display is activated to allow an underlying system to communicate with the user to determine a desired action for with the user. The interior display and underlying system facilitate the performance of the desired action.Type: GrantFiled: August 23, 2018Date of Patent: December 31, 2019Assignee: Bank of America CorporationInventors: Jennifer A. Cameron, Maria Cannizzo, Colin Christopherson, Kevin Albert Cooper, Rosemary Hill, Holly Trucco Hillary, Brian Joseph Smith
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Patent number: 8804942Abstract: Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs.Type: GrantFiled: July 30, 2010Date of Patent: August 12, 2014Assignee: Bank of America CorporationInventors: Stefani R. Benefield, James R. Grimsley, Rosemary Hill, Varsha Shitut, Sheryl L. Stewart
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Patent number: 8731180Abstract: Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs.Type: GrantFiled: July 30, 2010Date of Patent: May 20, 2014Assignee: Bank of America CorporationInventors: Stefani R. Benefield, James R. Grimsley, Rosemary Hill, Varsha Shitut, Sheryl L. Stewart
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Publication number: 20140019336Abstract: Methods and apparatus according to the invention are directed towards providing electronic queuing of execution of financial services by a customer of a financial institution prior to the services being performed. Queuing may shift planning of and preparation for execution of the services, away from a time and/or a site of service-execution. Through queuing, the customer may securely produce, access and modify actionable electronic listings of services and of details of service-execution. The customer may securely activate the listings for the performance of service-executions via the institution's associates and/or machines. Queuing may expedite service-execution. The methods and apparatus may also provide for collaboration among customers in producing, accessing, modifying and activating listings.Type: ApplicationFiled: July 12, 2012Publication date: January 16, 2014Applicant: Bank of America CorporationInventors: Kyle David Browne, Rosemary Hill, Daryoosh Shirbabadi, Alejandro Vargas Hernández
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Publication number: 20140019294Abstract: Apparatus and methods for a retail location concierge station are provided. Apparatus and methods in accordance with principles described herein may be initiated by a customer logging into an online portal prior to visiting a retail location. Apparatus and methods may be initiated by the customer entering a retail location and providing identification information at the station. The station may present products offered by the entity that the customer may wish to add to their existing relationship with the entity. These products may be pre-selected based on information known to the entity about customer. The station may transmit products selected by the customer to an employee of the entity. The employee may review the products selected by the customer prior to servicing the customer. The station may present additional products that may accomplish an express or implied objective of the customer.Type: ApplicationFiled: July 11, 2012Publication date: January 16, 2014Applicant: Bank of America CorporationInventor: Rosemary Hill
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Publication number: 20130212171Abstract: Methods and apparatus perform a method for electronically routing an authenticated client to a pre-determined destination. The method may include authenticating the identity of the client. In response to the authentication of the identity of the client, the method may retrieve contact information associated with the client. The contact information may include identification information for an employee listed on a list of employees pre-approved by the client. The method may further include determining the current availability of the employee for participation in a video conference. If the employee is available, the method may initiate a video conference between the client and a destination associated with the employee. If the employee is not available, the method may retrieve identification information for a second an employee listed on a list of employees pre-approved by the client.Type: ApplicationFiled: February 10, 2012Publication date: August 15, 2013Applicant: Bank of AmericaInventors: Richard L. Fitzgerald, Rosemary Hill, Kyle D. Browne, Nathan Dent
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Publication number: 20120136769Abstract: A payment device such as a debit card may be issued to an individual such as a minor. The debit card may be associated with spending control parameters to prevent overspending and other financial issues. Control parameters may include a weekly maximum that may be spent, approved transaction types (e.g., deposits only), authorized transaction entities (e.g., grocery stores, gas stations, etc.). Thus, transaction might only be approved if the transaction qualifies under the set control parameters. An individual may further access a banking interface that allows the individual to view financial education materials, games, savings trackers and the like. A savings tracker may be used to help an individual save money toward a particular goal. In one or more configurations, a parent, guardian or primary account holder may have the ability to modify control settings of the payment device and/or modify the banking interface (e.g., change the options available).Type: ApplicationFiled: February 7, 2012Publication date: May 31, 2012Applicant: BANK OF AMERICA CORPORATIONInventor: ROSEMARY HILL
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Patent number: 8145573Abstract: A payment device such as a debit card may be issued to an individual such as a minor. The debit card may be associated with spending control parameters to prevent overspending and other financial issues. Control parameters may include a weekly maximum that may be spent, approved transaction types (e.g., deposits only), authorized transaction entities (e.g., grocery stores, gas stations, etc.). Thus, transaction might only be approved if the transaction qualifies under the set control parameters. An individual may further access a banking interface that allows the individual to view financial education materials, games, savings trackers and the like. A savings tracker may be used to help an individual save money toward a particular goal. In one or more configurations, a parent, guardian or primary account holder may have the ability to modify control settings of the payment device and/or modify the banking interface (e.g., change the options available).Type: GrantFiled: October 17, 2007Date of Patent: March 27, 2012Assignee: Bank of America CorporationInventor: Rosemary Hill
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Publication number: 20110261947Abstract: Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs.Type: ApplicationFiled: July 30, 2010Publication date: October 27, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Stefani R. Benefield, James R. Grimsley, Rosemary Hill, Varsha Shitut, Sheryl L. Stewart
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Publication number: 20110261144Abstract: Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs.Type: ApplicationFiled: July 30, 2010Publication date: October 27, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Stefani R. Benefield, James R. Grimsley, Rosemary Hill, Varsha Shitut, Sheryl L. Stewart
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Publication number: 20090106158Abstract: A payment device such as a debit card may be issued to an individual such as a minor. The debit card may be associated with spending control parameters to prevent overspending and other financial issues. Control parameters may include a weekly maximum that may be spent, approved transaction types (e.g., deposits only), authorized transaction entities (e.g., grocery stores, gas stations, etc.). Thus, transaction might only be approved if the transaction qualifies under the set control parameters. An individual may further access a banking interface that allows the individual to view financial education materials, games, savings trackers and the like. A savings tracker may be used to help an individual save money toward a particular goal. In one or more configurations, a parent, guardian or primary account holder may have the ability to modify control settings of the payment device and/or modify the banking interface (e.g., change the options available).Type: ApplicationFiled: October 17, 2007Publication date: April 23, 2009Applicant: BANK OF AMERICA CORPORATIONInventor: Rosemary Hill
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Publication number: 20090037306Abstract: Systems and methods for managing customer interactions allow an organization or individual to identify, prioritize, and manage customer interactions efficiently prior to a customer reaching a specialized customer service agent or station. A terminal may be used in a lobby of an office or business (e.g., by a lobby leader) to identify, queue, and process customers. For example, in a banking environment, a customer's needs and identification information may be collected and/or identified prior to the customer reaching a bank teller or other transaction station by a lobby leader. In one or more instances, a terminal used by a lobby leader may be configured to process one or more transactions so that the customer does not need to wait in a queue. A lobby leader terminal may also include a variety of other functions to facilitate customer management.Type: ApplicationFiled: July 31, 2007Publication date: February 5, 2009Applicant: BANK OF AMERICA CORPORATIONInventor: Rosemary Hill