Patents by Inventor Ryan Scott Heller
Ryan Scott Heller 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: 20240126412Abstract: Embodiments of the invention are directed to a system, method, or computer program product for convenient, secure digital data archiving and utilization across multiple communication channels. The system and methods may also include an array of indications regarding what documents may be required to be uploaded by a user, how many documents to upload, and a confirmation of documents uploaded being the correct types following a user upload action. As such, the system may utilize JSON templates indicating a number of required documents, a correct confirmation message following document upload, and a mechanism for confirming that the documents being uploaded are the correct types of documents via an analysis of input fields of the uploaded documents.Type: ApplicationFiled: October 18, 2022Publication date: April 18, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Silvia Adriana Krasuk, Mansoor Zafar, Saurabh Khanna, Ryan Scott Heller, Muralidhar Chowdarapu
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Patent number: 11763074Abstract: Embodiments of the invention are directed to a system, method, or computer program product for digital form integration and presentation. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method also includes determining whether the prompt response meets one or more form requirements for a given entry and updating the form upon determination that the prompt response meets one or more form requirements for a given entry. The method further includes displaying to the user the form in an appropriate channel format.Type: GrantFiled: December 2, 2021Date of Patent: September 19, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Indradeep Dantuluri, Charanjit S. Bagga, Muralidhar Chowdarapu, Burton M. Covnot, Sandeep Gandhi, Ryan Scott Heller, Saurabh Khanna, Silvia Adriana Krasuk, Mardochee Macxis, Walter Thomas Robinson, Rupal V. Shah, Mansoor Zafar
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Patent number: 11704484Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a template based design approach for cross channel digital data parsing and generation. The system allows for onboarding of various types of forms to push them out to users via multiple various user viewing channels. The invention identifies the sections or fields of the form that require user input and presents those fields using an advanced digital solution illustrated in the channel format. The system is expandable, allowing for a single backend upload of additional forms irrespective of the channel.Type: GrantFiled: November 3, 2021Date of Patent: July 18, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Indradeep Dantuluri, Charanjit S. Bagga, Muralidhar Chowdarapu, Burton M. Covnot, Sandeep Gandhi, Ryan Scott Heller, Saurabh Khanna, Silvia Adriana Krasuk, Mardochee Macxis, Walter Thomas Robinson, Rupal V. Shah, Mansoor Zafar
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Publication number: 20220382969Abstract: Embodiments of the invention are directed to a system, method, or computer program product for convenient, secure digital data archiving and utilization across multiple communication channels. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method further includes displaying to the user a completed generated form in an appropriate channel format, and provides a process for secure e-signature and cross-stream utilization of user input.Type: ApplicationFiled: August 4, 2022Publication date: December 1, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Ryan Scott Heller, Charanjit S. Bagga, Muralidhar Chowdarapu, Burton M. Covnot, Indradeep Dantuluri, Sandeep Gandhi, Saurabh Khanna, Silvia Adriana Krasuk, Mardochee Macxis, Walter Thomas Robinson, Rupal V. Shah, Mansoor Zafar
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Publication number: 20220350960Abstract: Embodiments of the invention are directed to a system, method, or computer program product for convenient, secure digital data archiving and utilization across multiple communication channels. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method further includes displaying to the user a completed generated form in an appropriate channel format, and provides a process for secure e-signature and cross-stream utilization of user input.Type: ApplicationFiled: December 2, 2021Publication date: November 3, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Ryan Scott Heller, Charanjit S. Bagga, Muralidhar Chowdarapu, Burton M Covnot, Indradeep Dantuluri, Sandeep Gandhi, Saurabh Khanna, Silvia Adriana Krasuk, Mardochee Macxis, Walter Thomas Robinson, Rupal V. Shah, Mansoor Zafar
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Publication number: 20220350961Abstract: Embodiments of the invention are directed to a system, method, or computer program product for digital form integration and presentation. The method includes extracting one or more data input fields from a form and generating one or more user prompts to be presented to a user in order to complete at least one of the one or more entries of the one or more data input fields. The method further includes causing the transmission of at least one of the one or more user prompts to the user and receiving a prompt response from the user. The method also includes determining whether the prompt response meets one or more form requirements for a given entry and updating the form upon determination that the prompt response meets one or more form requirements for a given entry. The method further includes displaying to the user the form in an appropriate channel format.Type: ApplicationFiled: December 2, 2021Publication date: November 3, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Indradeep Dantuluri, Charanjit S. Bagga, Muralidhar Chowdarapu, Burton M. Covnot, Sandeep Gandhi, Ryan Scott Heller, Saurabh Khanna, Silvia Adriana Krasuk, Mardochee Macxis, Walter Thomas Robinson, Rupal V. Shah, Mansoor Zafar
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Publication number: 20220350958Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a template based design approach for cross channel digital data parsing and generation. The system allows for onboarding of various types of forms to push them out to users via multiple various user viewing channels. The invention identifies the sections or fields of the form that require user input and presents those fields using an advanced digital solution illustrated in the channel format. The system is expandable, allowing for a single backend upload of additional forms irrespective of the channel.Type: ApplicationFiled: November 3, 2021Publication date: November 3, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Indradeep Dantuluri, Charanjit S. Bagga, Muralidhar Chowdarapu, Burton M. Covnot, Sandeep Gandhi, Ryan Scott Heller, Saurabh Khanna, Silvia Adriana Krasuk, Mardochee Macxis, Walter Thomas Robinson, Rupal V. Shah, Mansoor Zafar
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Patent number: 9911125Abstract: Embodiments of the invention relate to systems, methods, and computer program products for preventing a customer communication by locking access to customer information. The system, method, and computer program product are configured to a) identify information relating to an event or condition that triggers a lock of customer information associated with a customer; b) lock at least a portion of the customer information associated with the customer based at least partially on the identifying; and c) generate a notification indicating that at least the portion of the customer information associated with the customer is locked based at least partially on the locking.Type: GrantFiled: November 4, 2013Date of Patent: March 6, 2018Assignee: BANK OF AMERICA CORPORATIONInventors: Ryan Scott Heller, Chung-Di Chou, John J. Gately, Hudson Philip Hoen, IV, Andrew Sheldon, Patrick B. Smith, Veera Venkata Vattikuti
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Patent number: 9813554Abstract: Embodiments of the invention are directed to a system, method, or computer program product for determining most effective call parameters for a representative-customer interaction for a representative working to recover payment in arrears. Embodiments of the invention retrieve call history data and date of payment data; correlate the call history data and the payment data; determine success information based on the correlation of call history data and payment data; and present the success information to the representative for improving likelihood of future success. Other embodiments retrieve call history data and determine best time and/or channel for contacting the customer in order to achieve customer contact.Type: GrantFiled: November 5, 2013Date of Patent: November 7, 2017Assignee: Bank of America CorporationInventors: Hudson Philip Hoen, IV, Ryan Scott Heller
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Patent number: 9203844Abstract: Embodiments of the invention include systems and methods for assigning visual representation to contacts. The embodiments include receiving selection criteria, identifying data associated with a plurality of customers meeting the selection criteria, wherein each of the customers is associated with one or more contacts, determining that at least one contact associated with each customer comprises one or more contact statuses, and assigning one or more indicators to the at least one contact based on the one or more statuses. In particular embodiments, the one or more statuses are related to a contact locked status, a contact external request status, a contact geography status, a contact time period status, a contact velocity status, and/or a permission-to-communicate status.Type: GrantFiled: October 31, 2013Date of Patent: December 1, 2015Assignee: BANK OF AMERICA CORPORATIONInventors: Andrew Sheldon, Ryan Scott Heller, David Luke Hallam
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Patent number: 9088654Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships within an entity. This representation focuses on customer products in arrears that are to be recovered. The invention requires disposition input from the system and the representative immediately after a customer communication. This way, the invention aids in providing an overarching view of all customer relationships to a representative. The automatic information regarding the communication includes the date, time of day, duration, and the like associated with the communication. The invention requires the representative to input manually a disposition from each communication, such as what was discussed during the communication. As such, the invention allows for subsequent representatives to make decision and take appropriate actions immediately based on the entire relationship, including the results of previous customer communications.Type: GrantFiled: November 5, 2013Date of Patent: July 21, 2015Assignee: Bank of America CorporationInventors: Michael John Blatteau, Jr., Michael D. Fleischer, Ryan Scott Heller, Hudson Philip Hoen, IV, Sethu Iyer, Hari Madala, Andrew Sheldon, Patrick B. Smith
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Patent number: 9066237Abstract: Embodiments of the invention relate to systems, methods, and computer program products for determining permission to contact. The system, method, and computer program product are configured to determine a contact for a customer; determine when a merchant has received explicit denial to communicate with the customer via the contact; determine when the contact requires permission to communicate with the customer; and determine when permission has been received to communicate with the customer. The system can be used to comply with regulations for when a contact, such as a phone number, may be contacted using automatic dialing technologies.Type: GrantFiled: November 5, 2013Date of Patent: June 23, 2015Assignee: Bank of America CorporationInventors: Hari Madala, Ryan Scott Heller, Hudson Philip Hoen, IV, Danielle Renee Reiser
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Publication number: 20150124956Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships within an entity. This representation focuses on customer products in arrears that are to be recovered. The invention requires disposition input from the system and the representative immediately after a customer communication. This way, the invention aids in providing an overarching view of all customer relationships to a representative. The automatic information regarding the communication includes the date, time of day, duration, and the like associated with the communication. The invention requires the representative to input manually a disposition from each communication, such as what was discussed during the communication. As such, the invention allows for subsequent representatives to make decision and take appropriate actions immediately based on the entire relationship, including the results of previous customer communications.Type: ApplicationFiled: November 5, 2013Publication date: May 7, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Michael John Blatteau, JR., Michael D. Fleischer, Ryan Scott Heller, Hudson Philip Hoen, IV, Sethu Iyer, Hari Madala, Andrew Sheldon, Patrick B. Smith
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Publication number: 20150127560Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships with an entity. This representation focuses on customer products in arrears that are to be recovered. The invention presents an overarching view of all customer relationships to a representative. This allows the representative to make decision and take appropriate actions immediately based on the entire relationship with the customer when a customer communication is initiated. As such, the invention correlates all of the customer's relationships with a financial institution into one unified representation for a representative to review. The unified representation takes into consideration all of the customer's relationships as well as external factors on the communications and relationships. Thus providing a holistic customer service experience for a customer with accounts in arrears.Type: ApplicationFiled: November 5, 2013Publication date: May 7, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Richard Hardin Staton, Jason N. Alexandrian, Corina Nicole Bacon, Michael John Blatteau, JR., David John Butler, Chung-Di Chou, David W. Crowe, Brian J. Dunne, Michael D. Fleischer, Robert A. Fox, Jason Paul Gardner, John J. Gately, Oleg Gerasimovich, David Luke Hallam, Ryan Scott Heller, Hudson Philip Hoen, IV, Abigail W. Howard, Sethu Iyer, Jessica Long, Hari Madala, Vincent Maximo, Mohit Mehta, Hung Quang Pham, Danielle Renee Reiser, Andera Schmittgen, Garith W. Seelig, Patrick W. Schaffer, JR., Andrew Sheldon, Patrick B. Smith, Thomas Snyder, Feng Tang, Veera Venkata Vattikuti, David lee Warnick, Bridget K. Williams
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Publication number: 20150127562Abstract: Embodiments of the invention relate to systems, methods, and computer program products for determining an automatic contact list. The system, method, and computer program product are configured to receive a request to create a contact list, the request comprising selection criteria; identify data associated with a plurality of customers meeting the selection criteria, wherein each customer is associated with at least one contact; determine contacts that are excluded based on at least one of locking, external requests, geography, time, velocity, and permission to contact; and determine a contact list based on customers that are not excluded. The system allows a user to create an automatic contact list that both meets the user's criteria while also complying with business and legal regulations.Type: ApplicationFiled: November 5, 2013Publication date: May 7, 2015Applicant: Bank Of America CorporationInventors: RYAN SCOTT HELLER, PATRICK B. SMITH, HARI MADALA, ANDREW SHELDON, CHUNG-DI CHOU, VEERA VENKATA VATTIKUTI
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Publication number: 20150127420Abstract: Embodiments of the disclosure relate to systems, methods, and computer program products for determining velocity data. The system, method, and computer program product are configured to determine one or more contacts for a customer; determine a number of communication attempts to the one or more contacts over a predetermined time period; compare the number of communication attempts over the predetermined time period to a maximum number of attempts over the predetermined time period; and exclude the customer from a contact list when the number of communication attempts is greater than or equal to the maximum number of communication attempts for the predetermined time period. The system allows a user to track the total number of contacts across a variety of metrics in order to comply with business decisions and local rules.Type: ApplicationFiled: November 5, 2013Publication date: May 7, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: MICHAEL D. FLEISCHER, RYAN SCOTT HELLER, HUDSON PHILIP HOEN, IV, PATRICK B. SMITH, HARI MADALA, SETHU IYER, ANDREW SHELDON, MICHAEL JOHN BLATTEAU, JR., RICHARD HARDIN STATON
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Publication number: 20150124952Abstract: Embodiments of the invention are directed to a system, method, or computer program product for determining most effective call parameters for a representative-customer interaction for a representative working to recover payment in arrears. Embodiments of the invention retrieve call history data and date of payment data; correlate the call history data and the payment data; determine success information based on the correlation of call history data and payment data; and present the success information to the representative for improving likelihood of future success. Other embodiments retrieve call history data and determine best time and/or channel for contacting the customer in order to achieve customer contact.Type: ApplicationFiled: November 5, 2013Publication date: May 7, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Hudson Philip Hoen, IV, Ryan Scott Heller
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Publication number: 20150126151Abstract: Embodiments of the invention relate to systems, methods, and computer program products for determining permission to contact. The system, method, and computer program product are configured to determine a contact for a customer; determine when a merchant has received explicit denial to communicate with the customer via the contact; determine when the contact requires permission to communicate with the customer; and determine when permission has been received to communicate with the customer. The system can be used to comply with regulations for when a contact, such as a phone number, may be contacted using automatic dialing technologies.Type: ApplicationFiled: November 5, 2013Publication date: May 7, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: HARI MADALA, RYAN SCOTT HELLER, HUDSON PHILIP HOEN, IV, DANIELLE RENEE REISER
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Publication number: 20150127561Abstract: Embodiments of the invention relate to systems, methods, and computer program products for preventing a customer communication by locking access to customer information. The system, method, and computer program product are configured to a) identify information relating to an event or condition that triggers a lock of customer information associated with a customer; b) lock at least a portion of the customer information associated with the customer based at least partially on the identifying; and c) generate a notification indicating that at least the portion of the customer information associated with the customer is locked based at least partially on the locking.Type: ApplicationFiled: November 4, 2013Publication date: May 7, 2015Applicant: BANK OF AMERICA CORPORATIONInventors: Ryan Scott Heller, Chung-Di Chou, John J. Gately, Hudson Philip Hoen, IV, Andrew Sheldon, Patrick B. Smith, Veera Venkata Vattikuti
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Publication number: 20150121241Abstract: Embodiments of the invention include systems and methods for assigning visual representation to contacts. The embodiments include receiving selection criteria, identifying data associated with a plurality of customers meeting the selection criteria, wherein each of the customers is associated with one or more contacts, determining that at least one contact associated with each customer comprises one or more contact statuses, and assigning one or more indicators to the at least one contact based on the one or more statuses. In particular embodiments, the one or more statuses are related to a contact locked status, a contact external request status, a contact geography status, a contact time period status, a contact velocity status, and/or a permission-to-communicate status.Type: ApplicationFiled: October 31, 2013Publication date: April 30, 2015Applicant: Bank of America CorporationInventors: Andrew Sheldon, Ryan Scott Heller, David Luke Hallam