Patents by Inventor Alexander C. Wittkowski

Alexander C. Wittkowski 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).

  • Patent number: 10249002
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: April 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Patent number: 10127551
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: November 13, 2018
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Patent number: 10013714
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: July 3, 2018
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Publication number: 20170193604
    Abstract: Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness application that provides an overview of the financial well-being of users. The financial wellness of the users may be determined by identifying personal characteristics of the users regarding background information about the users and the users' households. Based on a user's personal characteristics, financial wellness questions are determined from a plurality of financial wellness questions to present to the user for which the user provides financial wellness input. The financial wellness input is transformed into a financial situation assessment, day-to-day management assessment, and preparation for the future assessment, which are transformed into an overall wellness score. Moreover, the financial wellness input may also be compared against financial wellness thresholds.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Joseph Neil Johansen, Christopher Shawn Vale, Alexander C. Wittkowski, Anthony David Guido, Robert Scott Seidman, Michael Ma
  • Publication number: 20170153919
    Abstract: Systems, computer program products, and methods are described herein for analyzing resource capacity based on associated dependencies. The present invention is configured to determine a resource capacity associated with an entity; determine one or more dependencies associated with the entity, wherein the one or more dependencies are associated with a resource value; receive a user input, wherein the user input comprises a dynamic allocation of the one or more dependencies to the entity; determine an aggregated resource value based on at least receiving the user input, wherein the aggregated resource value comprises an aggregate of the resource values associated with the one or more dependencies dynamically allocated to the entity; and initiate a presentation of a dynamic display, wherein the dynamic display comprises an indication of the resource capacity associated with the entity and an aggregated resource value associated with the one or more dependencies dynamically allocated to the entity.
    Type: Application
    Filed: November 30, 2015
    Publication date: June 1, 2017
    Inventors: Alicia C. Jones-McFadden, Katherine Dintenfass, Alexander C. Wittkowski, Damon C. Missouri, Cameron Darnell Wadley
  • Publication number: 20170076380
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Publication number: 20170076271
    Abstract: Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Alicia C. Jones-McFadden, Cameron Darnell Wadley, Katherine Dintenfass, Angela Fritz Thompson, Damon C. Missouri, Alexander C. Wittkowski
  • Publication number: 20170076379
    Abstract: Systems, computer program products, and methods are described herein for analyzing financial accounts of users, providing suggested financial actions, and automatically taking the financial actions by transforming the financial accounts or transactions of the users based on a life event of the users. Typically, the life event may be a marriage or a divorce. The occurrence of a life event may be determined by the transactions that users make, social network postings made by users, input into an application made by users, or like. After the determination of an occurrence of a life event, the finances of the users associated with the life event are analyzed and suggested financial actions are determined. The analysis of the finances and one or more proposed financial actions are presented to the users. A user selects one or more of the financial actions to implement and the proposed financial action is automatically initiated.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Angela Fritz Thompson, Damon C. Missouri, Alexander C. Wittkowski, Alicia C. Jones-McFadden
  • Publication number: 20170076283
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Publication number: 20170076378
    Abstract: Disclosed herein are systems, methods, and computer program products that predict the occurrence of a life event, such as a marriage, for a first customer, provide a plurality of account management models that the first customer may select from to restructure the assets and accounts of the first customer (and possibly a second customer also involved in the predicted life event) based on the new goals, requirements, and tax implications of the predicted life event. The systems, methods, and computer program products provided herein simplify the process of combining at least some assets and accounts of two customers, or at least restructuring the assets and accounts, to prepare the two customers for collaborative financial planning.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Katherine Dintenfass, Alexander C. Wittkowski, Cameron Darnell Wadley, Alicia C. Jones-McFadden, Angela Fritz Thompson, Damon C. Missouri
  • Publication number: 20170076366
    Abstract: Disclosed are systems, computer program products, and computer implemented methods for providing a universal tokenization system for customers of an entity. Embodiments of the invention include associating account information of multiple accounts with tokens that may be used to conduct transactions with the associated accounts. Some embodiments of the invention involve establishing electronic communication links with and between customers of the entity and receiving a request from a first customer to combine a first token associated with the first customer with a different, second token associated with a second customer. Some embodiments include combining the account information of the first and second tokens into a third token that may be used by either or both of the first and second customers for conducting transactions or maintaining accounts. In some embodiments, the system includes a notary system for notarizing any documentation necessary for combining accounts of two or more individuals.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Damon C. Missouri, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Publication number: 20170076364
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.
    Type: Application
    Filed: September 11, 2015
    Publication date: March 16, 2017
    Inventors: Katherine Dintenfass, Damon C. Missouri, Cameron Darnell Wadley, Alexander C. Wittkowski, Alicia C. Jones-McFadden, Angela Fritz Thompson
  • Patent number: 9082150
    Abstract: In certain embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch.
    Type: Grant
    Filed: October 16, 2012
    Date of Patent: July 14, 2015
    Assignee: Bank of America Corporation
    Inventors: Carrie A. Hanson, Laura C. Bondesen, Nicole Chen, Katherine Dintenfass, Scott R. Enscoe, Leo Kopelow, Yameng Li, Brett Newman, Nicholas Sharp, Marc L. Warshawsky, Alexander C. Wittkowski, Jon R. Wolf
  • Patent number: 8868048
    Abstract: In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.
    Type: Grant
    Filed: October 16, 2012
    Date of Patent: October 21, 2014
    Assignee: Bank of America Corporation
    Inventors: Carrie A. Hanson, Laura C. Bondesen, Nicole Chen, Katherine Dintenfass, Scott R. Enscoe, Leo Kopelow, Yameng Li, Brett Newman, Nicholas Sharp, Marc L. Warshawsky, Alexander C. Wittkowski, Jon R. Wolf
  • Publication number: 20140129432
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing vendor statement management for a user, including the receiving, monitoring, and paying of statements with no or minimal user required interaction. As such, the invention provides a facilitated access to accurate statement information from all of the vendors or service providers consolidated into one reliable source. Embodiments of the present invention provide a system for statement management. Specifically, embodiments of the invention allow for determining vendor statements associated with a user, consolidating the found vendor statements, monitoring those statements, notifying user if vendor statement need attention or payment, and providing payment from a payment account for the vendor statement.
    Type: Application
    Filed: November 2, 2012
    Publication date: May 8, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Carrie Anne Hanson, Leland E. Modesitt, Katherine Dintenfass, Alexander C. Wittkowski, Laura Corinne Bondesen, Marc Lance Warshawsky, Jon R. Wolf, Scott R. Enscoe, Brett Newman, Leo Kopelow, Yameng Li, Nicole Chen, Nicholas Sharp
  • Publication number: 20140129442
    Abstract: Embodiments of the invention include systems, methods, and computer-program products for provide a user with a central location that links one or more of the user's financial accounts into a single location for viewing and transacting with any of the one or more financial accounts. As such, the invention provides a facilitated access to one or more user financial accounts from any or all financial institutions consolidated into one source. Embodiments of the present invention provide a system for financial account linkage. Specifically, embodiments of the invention allow for monitoring, viewing, transacting, and transferring funds associated with any of the financial accounts of a user. The financial account monitoring program may be provided to a user via his/her mobile device in an interactive account monitoring/transaction fashion.
    Type: Application
    Filed: November 2, 2012
    Publication date: May 8, 2014
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Carrie Anne Hanson, Leland E. Modesitt, Katherine Dintenfass, Alexander C. Wittkowski, Laura Corinne Bondesen, Marc Lance Warshawsky, Jon R. Wolf, Scott R. Enscoe, Brett Newman, Leo Kopelow, Yameng Li, Nicole Chen, Nicholas Sharp
  • Publication number: 20140108952
    Abstract: In certain embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch.
    Type: Application
    Filed: October 16, 2012
    Publication date: April 17, 2014
    Applicant: Bank of America Corporation
    Inventors: Carrie A. Hanson, Laura C. Bondesen, Nicole Chen, Katherine Dintenfass, Scott R. Enscoe, Leo Kopelow, Yameng Li, Brett Newman, Nicholas Sharp, Marc L. Warshawsky, Alexander C. Wittkowski, Jon R. Wolf
  • Patent number: D711394
    Type: Grant
    Filed: November 2, 2012
    Date of Patent: August 19, 2014
    Assignee: Bank of America Corporation
    Inventors: Carrie Anne Hanson, Alexander C. Wittkowski, Brett Newman, Leo Kopelow, Yameng Li, Nicole Chen, Nicholas Sharp
  • Patent number: D711395
    Type: Grant
    Filed: November 2, 2012
    Date of Patent: August 19, 2014
    Assignee: Bank of America Corporation
    Inventors: Carrie Anne Hanson, Alexander C. Wittkowski, Brett Newman, Leo Kopelow, Yameng Li, Nicole Chen, Nicholas Sharp
  • Patent number: D711896
    Type: Grant
    Filed: November 2, 2012
    Date of Patent: August 26, 2014
    Assignee: Bank of America Corporation
    Inventors: Carrie Anne Hanson, Alexander C. Wittkowski, Brett Newman, Leo Kopelow, Yameng Li, Nicole Chen, Nicholas Sharp