Patents by Inventor Daniel James Doherty

Daniel James Doherty 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: 11889480
    Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
    Type: Grant
    Filed: January 21, 2022
    Date of Patent: January 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Patent number: 11348084
    Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.
    Type: Grant
    Filed: November 4, 2019
    Date of Patent: May 31, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Daniel James Doherty, Riaz H. Bhamani, Matthew Edward Carroll
  • Publication number: 20220150878
    Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
    Type: Application
    Filed: January 21, 2022
    Publication date: May 12, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Patent number: 11234235
    Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: January 25, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Patent number: 11196737
    Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: December 7, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20210133703
    Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.
    Type: Application
    Filed: November 4, 2019
    Publication date: May 6, 2021
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Daniel James Doherty, Riaz H. Bhamani, Matthew Edward Carroll
  • Publication number: 20210133718
    Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.
    Type: Application
    Filed: November 4, 2019
    Publication date: May 6, 2021
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Daniel James Doherty, Riaz H. Bhamani, Matthew Edward Carroll
  • Patent number: 10998937
    Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: May 4, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Patent number: 10979306
    Abstract: The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend thresholds, and other templates that allow for customization.
    Type: Grant
    Filed: June 7, 2019
    Date of Patent: April 13, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20200389363
    Abstract: The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend risk thresholds, and other templates that allow for customization.
    Type: Application
    Filed: June 7, 2019
    Publication date: December 10, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20200348976
    Abstract: Embodiments of the invention are directed to facilitating electronic resource distribution by including computer-readable indicia or a short-range wireless tag on a physical resource distribution document/instrument that stores or provides access to instructions for requesting and/or processing subsequent resource distributions between the resource requester and requester provider fully electronically (i.e., absent the need for a resource distribution request document or a resource distribution document/instrument).
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20200350955
    Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20200351852
    Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20200351262
    Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
  • Publication number: 20200349552
    Abstract: Embodiments of the present invention provide a system for secure contactless distribution of dynamic resources. Resource information may be written onto a near field communication (“NFC”) chip associated with a user, and a dynamic resource value element can be associated with this NFC chip. When an NFC interaction between the NFC chip associated with the user and a computing device of the user is detected, the computing device of the user extracts the resource information from the NFC chip, along with a dynamic resource value. The dynamic resource value is compared to an expected dynamic resource value and, if the values match, the extracted resource information is populated into memory fields of the computing device of the user.
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams