Patents by Inventor Chadwick R. Renfro

Chadwick R. Renfro 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: 9679135
    Abstract: A secure computer for secure transactions that includes an operating system, a processor, an identity security module, and a loss protection device. The operating system has built-in security features. The processor is manufactured with security features and configured to execute software in a virtualized state outside of the operating system. The computer includes or be able to create at least one virtualized monitoring application that operates outside of the operating system and. monitor system files and duplicate files of the system files for modification by malicious software, such that any of the duplicate files or system files determined to be modified by malicious software are restored to one of an original version or a known operative state and generates and communicates an alert indicating possible suspicious activity based on the determined modification.
    Type: Grant
    Filed: May 8, 2015
    Date of Patent: June 13, 2017
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Chadwick R. Renfro
  • Publication number: 20160328558
    Abstract: A secure computer for secure transactions that includes an operating system, a processor, an identity security module, and a loss protection device. The operating system has built-in security features. The processor is manufactured with security features and configured to execute software in a virtualized state outside of the operating system. The computer includes or be able to create at least one virtualized monitoring application that operates outside of the operating system and. monitor system files and duplicate files of the system files for modification by malicious software, such that any of the duplicate files or system files determined to be modified by malicious software are restored to one of an original version or a known operative state and generates and communicates an alert indicating possible suspicious activity based on the determined modification.
    Type: Application
    Filed: May 8, 2015
    Publication date: November 10, 2016
    Inventor: Chadwick R. Renfro
  • Patent number: 9317851
    Abstract: A personal computer is provided comprising a network communication interface configured to communicate with the Internet. The computer further includes a memory device configured to store information and computer-executable program code. The computer further includes a processor operatively coupled to the network communication interface and the memory device. The processor and the computer-executable program code are both configured to provide enhanced security features for safeguarding financial transactions conducted over the Internet and for safeguarding non-public information stored in the memory from being retrieved over the Internet by an unauthorized entity. The computer further includes indicia attached to the computer. The indicia is visible to a potential user of the computer and is configured to portray to the potential user of the computer that the computer is specifically designed and built to provide increased security for financial transactions handled over the Internet.
    Type: Grant
    Filed: April 30, 2009
    Date of Patent: April 19, 2016
    Assignee: Bank of America Corporation
    Inventors: Douglas Ray Little, Jr., William Treadwell, Chadwick R. Renfro
  • Patent number: 8881299
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products configured to determine communities within an organization dynamically based on the distribution of entitlements within the organization.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: November 4, 2014
    Assignee: Bank of America Corporation
    Inventors: Phillip L. Richards, David M. Andersen, Chadwick R. Renfro, Christopher P. Higgins
  • Patent number: 8418229
    Abstract: Embodiments of the invention relate to risk assessments and, more particularly to performing access risk assessments based on identified outliers.
    Type: Grant
    Filed: January 25, 2011
    Date of Patent: April 9, 2013
    Assignee: Bank of America Corporation
    Inventors: Igor A. Baikalov, Dan P. Antilley, Jr., Jonathan William Deats, Robert Alan Hansen, Peter Jordan Langsam, Cris T. Paltenghe, Ravi Pritmani, Chadwick R. Renfro, Carmen M. Warn
  • Publication number: 20130067589
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products configured to determine communities within an organization dynamically based on the distribution of entitlements within the organization.
    Type: Application
    Filed: September 14, 2012
    Publication date: March 14, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Phillip L. Richards, David M. Andersen, Chadwick R. Renfro, Christopher P. Higgins
  • Patent number: 8316453
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products configured to determine communities within an organization dynamically based on the distribution of entitlements within the organization.
    Type: Grant
    Filed: July 24, 2009
    Date of Patent: November 20, 2012
    Assignee: Bank of America Corporation
    Inventors: Phillip L. Richards, David M. Andersen, Chadwick R. Renfro, Christopher P. Higgins
  • Patent number: 8225416
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products configured to calculate an indicator of the likelihood that an entitlement exists in a first community relative to a second community. The calculated indicator is then used to determine the appropriateness of entitlements within the first community or after a transfer of a person from the first community to the second.
    Type: Grant
    Filed: July 24, 2009
    Date of Patent: July 17, 2012
    Assignee: Bank of America Corporation
    Inventors: Phillip L. Richards, David M. Andersen, Chadwick R. Renfro, Christopher P. Higgins
  • Publication number: 20120047575
    Abstract: Embodiments of the invention relate to risk assessments and, more particularly to performing access risk assessments based on identified outliers.
    Type: Application
    Filed: January 25, 2011
    Publication date: February 23, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Igor A. Baikalov, Dan P. Antilley, JR., Jonathan William Deats, Robert Alan Hansen, Peter Jordan Langsam, Cris T. Paltenghe, Ravi Pritmani, Chadwick R. Renfro, Carmen M. Warn
  • Publication number: 20120046989
    Abstract: Embodiments of the invention relate to risk review assessments and, more particularly to determining risk review candidates by identifying two or more community categories, determining risk scores for each user/employee across risk categories, normalizing the risk scores based on community averages and community standard deviations and determining risk review candidates by comparing the normalized risk scores to predetermined thresholds. In additional embodiments, an outlier reinforcement score for each user/employee by summing all of the positive-valued normalized risk scores across the two or more communities and comparing the outlier reinforcement score to a predetermined threshold.
    Type: Application
    Filed: January 25, 2011
    Publication date: February 23, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Igor A. Baikalov, Dan P. Antilley, JR., Jonathan William Deats, Robert Alan Hansen, Peter Jordan Langsam, Cris T. Paltenghe, Ravi Pritmani, Chadwick R. Renfro, Carmen M. Warn
  • Publication number: 20100281513
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products configured to calculate an indicator of the likelihood that an entitlement exists in a first community relative to a second community. The calculated indicator is then used to determine the appropriateness of entitlements within the first community or after a transfer of a person from the first community to the second.
    Type: Application
    Filed: July 24, 2009
    Publication date: November 4, 2010
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Phillip L. Richards, David M. Andersen, Chadwick R. Renfro, Christopher P. Higgins
  • Publication number: 20100281512
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products configured to determine communities within an organization dynamically based on the distribution of entitlements within the organization.
    Type: Application
    Filed: July 24, 2009
    Publication date: November 4, 2010
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Phillip L. Richards, David M. Andersen, Chadwick R. Renfro, Christopher P. Higgins
  • Publication number: 20090319435
    Abstract: A personal computer is provided comprising a network communication interface configured to communicate with the Internet. The computer further includes a memory device configured to store information and computer-executable program code. The computer further includes a processor operatively coupled to the network communication interface and the memory device. The processor and the computer-executable program code are both configured to provide enhanced security features for safeguarding financial transactions conducted over the Internet and for safeguarding non-public information stored in the memory from being retrieved over the Internet by an unauthorized entity. The computer further includes indicia attached to the computer. The indicia is visible to a potential user of the computer and is configured to portray to the potential user of the computer that the computer is specifically designed and built to provide increased security for financial transactions handled over the Internet.
    Type: Application
    Filed: April 30, 2009
    Publication date: December 24, 2009
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Douglas Ray Little, JR., William Treadwell, Chadwick R. Renfro
  • Publication number: 20090319432
    Abstract: A secure computer for secure transactions that includes an operating system, a processor, an identity security module, and a loss protection device. The operating system has built-in security features. The processor is manufactured with security features and configured to execute software in a virtualized state outside of the operating system. The computer may include or be able to create at least one virtualized software module configurable to operate outside of the operating system.
    Type: Application
    Filed: June 19, 2008
    Publication date: December 24, 2009
    Inventor: Chadwick R. Renfro
  • Patent number: 7630987
    Abstract: System and method for identifying phishers by analyzing website referrals. A combination of statistical analysis and fingerprinting can be used to assign a relevance score to a referring website that indicates the likelihood that the referring website is a phishing-related website. A fingerprint as used herein with respect to example embodiments is an array of relevant points corresponding to defined HTML tags. The relevance score can be determined at least in part by comparing the fingerprint of a suspect website with that of a base website. The number of matches in relevant points between the two websites determines the relevance score. Provisions can be made for displaying, reporting, and tracking relevance scores so that appropriate actions can be taken as phishing is detected. Additionally, a known-good list of websites can be used to reduce the number of false positives.
    Type: Grant
    Filed: November 24, 2004
    Date of Patent: December 8, 2009
    Assignee: Bank of America Corporation
    Inventors: Chadwick R. Renfro, Daniel Shnowske, Brian R. Wacker
  • Publication number: 20090030751
    Abstract: A system and method for determining residual business risks by correlating threats, controls, business continuity factors, and other general risk considerations is described. Requirements of an initiative of a project are mapped to a taxonomy, and the mapped requirements are rated with respect to its importance to the project. Projected changes in the mapped requirements are forecasted over a specified period of time, such as an eighteen month period. A threat to the project is mapped to the taxonomy, and the mapped threat is rated with respect to its impact on the project. Projected changes in the effectiveness of the control are forecasted based upon historical data, a maturity rating, and the rated effectiveness of the control. Residual risk associated with the project is then determined, and adjustments to one or more resources associated with the project may be made to reduce the determined residual risk.
    Type: Application
    Filed: July 27, 2007
    Publication date: January 29, 2009
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Ajay M. Barve, Arun Sankaran, Chadwick R. Renfro, Daniel F. Yomine, Robert Keith Vaughan, Corey S. Gillespie, Gregg S. Sloan