Patents by Inventor Charles R. Liu
Charles R. Liu 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: 20240020662Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.Type: ApplicationFiled: September 27, 2023Publication date: January 18, 2024Inventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
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Patent number: 11810082Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.Type: GrantFiled: November 8, 2022Date of Patent: November 7, 2023Assignee: Bank of America CorporationInventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
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Publication number: 20230068406Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.Type: ApplicationFiled: November 8, 2022Publication date: March 2, 2023Inventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
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Patent number: 11526856Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.Type: GrantFiled: March 13, 2020Date of Patent: December 13, 2022Assignee: Bank of America CorporationInventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
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Patent number: 11171963Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.Type: GrantFiled: January 29, 2020Date of Patent: November 9, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
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Patent number: 10826890Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.Type: GrantFiled: October 5, 2018Date of Patent: November 3, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Brent David Reston, Margaret Winston, Kevin Clark May, Jeremiah Fairbairn Williams, Ryan Michael Furey, Michelle Nanette Downie, Charles R. Liu
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Publication number: 20200210975Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.Type: ApplicationFiled: March 13, 2020Publication date: July 2, 2020Inventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
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Publication number: 20200169566Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.Type: ApplicationFiled: January 29, 2020Publication date: May 28, 2020Applicant: Bank of America CorporationInventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
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Patent number: 10628808Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.Type: GrantFiled: December 17, 2013Date of Patent: April 21, 2020Assignee: Bank of America CorporationInventors: Daniel A. Carretta, Thomas M. Hancock, Karen K. Lewy, Charles R. Liu, Jack Meyers, Sheryl W. Strott, Faith A. Tucker, Carrie A. Hanson
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Patent number: 10574662Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.Type: GrantFiled: June 20, 2017Date of Patent: February 25, 2020Assignee: Bank of America CorporationInventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
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Patent number: 10360733Abstract: A system, computer program product, and method for management of resources through an augmented resource facility is provided. In particular, a virtual center owned and operated by an entity may include a user-facing computing system. Said computing system may, through one or more cameras, sensors, and/or displays, provide an augmented or virtual reality experience to the user when the user interacts with the computing system to manage account resources.Type: GrantFiled: June 20, 2017Date of Patent: July 23, 2019Assignee: Bank of America CorporationInventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
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Publication number: 20190109839Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.Type: ApplicationFiled: October 5, 2018Publication date: April 11, 2019Applicant: Bank of America CorporationInventors: Brent David Reston, Margaret Winston, Kevin Clark May, Jeremiah Fairbairn Williams, Ryan Michael Furey, Michelle Nanette Downie, Charles R. Liu
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Publication number: 20190102762Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for self-generation of denominational resources. In this way, the system integrates functionality of computer terminals into use mobile devices for self-generation of digital resources for distribution and utilization by the recipient in the form of a token. In this way, the user may digitally extract resources for storage or transmission to a receiver. The digital resource will be treated as a physical resource and are removed from the user's resource account and held as pending.Type: ApplicationFiled: October 3, 2017Publication date: April 4, 2019Inventors: Jon Robert Wolf, Charles R. Liu
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Publication number: 20180374065Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for integration into a third party computer terminal and configure the terminal for facilitating odd denominational resource distribution parameters. As such, the system allows for user access and request of denominations of resources at a third party machine without alternative interaction with the third party machine. The invention may integrate into a third party computer terminal and provide direct communicable linkage channel for odd denominational resource distribution between a user device, third party computer terminal, and a resource distribution platform.Type: ApplicationFiled: June 26, 2017Publication date: December 27, 2018Inventors: Jon Robert Wolf, Charles R. Liu, Matthew Edward Williams, Jill A. Hatfield
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Publication number: 20180367542Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.Type: ApplicationFiled: June 20, 2017Publication date: December 20, 2018Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
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Publication number: 20180365899Abstract: A system, computer program product, and method for management of resources through an augmented resource facility is provided. In particular, a virtual center owned and operated by an entity may include a user-facing computing system. Said computing system may, through one or more cameras, sensors, and/or displays, provide an augmented or virtual reality experience to the user when the user interacts with the computing system to manage account resources.Type: ApplicationFiled: June 20, 2017Publication date: December 20, 2018Inventors: Jon Robert Wolf, Charles R. Liu, Dianna Letourneau O'Neill, Matthew Edward Williams, Bryan Lee Card
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Publication number: 20180253945Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for integration into a user activity terminal and configure the terminal for facilitating odd denominational resource distribution parameters. The user activity terminal may be associated resource distribution from a resource distribution service provider. The invention may integrate into a user activity terminal and provide direct channel deposits of odd denominational resource distribution documents. As such the invention integrates into a user activity terminal and links into third party systems for odd denominational resource distribution not capable of being performed by the user activity terminal.Type: ApplicationFiled: June 26, 2017Publication date: September 6, 2018Inventors: Jon Robert Wolf, Charles R. Liu, Matthew Edward Williams, Jill A. Hatfield
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Patent number: 10057748Abstract: Embodiments of the present invention relate to, in general, for technology application restructuring and deployment for home receiver integration. The system is configured to provide a technology application on a home receiver, such as a functionally tethered smart device, to facilitate performing user activities. Typically, the system is configures the user mobile device as a remote control for allowing the user to perform technology activities using the tethered smart device technology application, via the user mobile device. In some embodiments, the system is configured to initiate presentation of a tethered smart device activity interface on a display device of the tethered smart device. In some embodiments, the system is configured to present an auxiliary mobile interface on a display of the user mobile device, wherein the auxiliary mobile interface comprises the predetermined graphical element of the tethered smart device activity interface, for completion of a technology activity.Type: GrantFiled: October 3, 2017Date of Patent: August 21, 2018Assignee: Bank of America CorporationInventors: Jon Robert Wolf, Charles R. Liu
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Patent number: 10015795Abstract: Embodiments of the present invention relate to, in general, mobile device translation into a secure channel identifier for resource management. Typically, a system configured to establish a network activity channel with a networked device is provided. In some embodiments, based on analyzing a trigger signal, the system is configured to identify a network activity initiated by the user. In some embodiments, the system identifies a network activity channel configured for performing the network activity initiated by the user, based on at least determining a channel latency of the network activity channel. The system may then present the network activity channel to the user, configure the network activity channel such that the mobile device associated with the user is a secure channel identifier for performing the network activity; and modify, dynamically, a channel interface associated with the network activity channel based on the identified network activity and the trigger signal.Type: GrantFiled: June 26, 2017Date of Patent: July 3, 2018Assignee: Bank of America CorporationInventors: Jon Robert Wolf, Charles R. Liu, Matthew Edward Williams, Jill A. Hatfield
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Publication number: 20180114222Abstract: Aspects of the disclosure relate to interaction among an entity, an entity's mobile device, one or more Automated Teller Machines (ATM's), an associated beacon generator, and a support computing system. With some embodiments, the beacon generator generates a beacon signal to the mobile device. The mobile device extracts beacon information such as an identification of the beacon generator and/or associated ATM and conveys this information to the support computing system via a second wireless channel. The support computing system subsequently instructs the ATM to transition to an appropriate display container as the entity approaches the ATM. The ATM may further transition to different display containers based on interactions with the entity and/or support computing system.Type: ApplicationFiled: October 19, 2017Publication date: April 26, 2018Inventors: Ryan Furey, Charles R. Liu, Matthew E. Williams, Elizabeth A. Price, Richard Barron