Patents by Inventor Daralyn Marie Nicholson

Daralyn Marie Nicholson 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: 10643283
    Abstract: A system may be configured to initiate a presentation of a user interface to the user; receive, via the user interface, a user selection of a life event; initiate a presentation of an event information user interface to the user; receive, via the event information user interface, life event information associated with the life event selected by the user; retrieve information associated with the life event selected by the user from substantially similar life events; calculate, in real-time, a life event score associated with the life event selected by the user, wherein the life event score is calculated based on at least a retirement score, the received life event information and the information retrieved from the substantially similar life events; and illustrate, via a retirement score interface in a user device, the retirement score and an impact of the at least one life event selected by the user.
    Type: Grant
    Filed: February 1, 2019
    Date of Patent: May 5, 2020
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10628887
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Grant
    Filed: June 11, 2018
    Date of Patent: April 21, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson
  • Patent number: 10437899
    Abstract: A system for distributed server data management is provided. The system receives, via a user device associated with a user, a request to manage a resource on behalf of a third party, recalls historical data associated with the third party from the historical database, detects, via a data analytics engine, a potential future action of the user, and displays, via a graphical interface, a recommended future action to the user. In this way, the system provides an efficient way for users to manage resources for a third party.
    Type: Grant
    Filed: May 5, 2017
    Date of Patent: October 8, 2019
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Elizabeth S. Votaw, Victoria L. Dravneek, Daralyn Marie Nicholson
  • Publication number: 20190164227
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Application
    Filed: February 1, 2019
    Publication date: May 30, 2019
    Applicant: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10262372
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
    Type: Grant
    Filed: June 11, 2018
    Date of Patent: April 16, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Patent number: 10249003
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 19, 2018
    Date of Patent: April 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Publication number: 20180322204
    Abstract: A system for distributed server data management is provided. The system receives, via a user device associated with a user, a request to manage a resource on behalf of a third party, recalls historical data associated with the third party from the historical database, detects, via a data analytics engine, a potential future action of the user, and displays, via a graphical interface, a recommended future action to the user. In this way, the system provides an efficient way for users to manage resources for a third party.
    Type: Application
    Filed: May 5, 2017
    Publication date: November 8, 2018
    Inventors: Katherine Dintenfass, Elizabeth S. Votaw, Victoria L. Dravneek, Daralyn Marie Nicholson
  • Publication number: 20180293658
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Application
    Filed: June 11, 2018
    Publication date: October 11, 2018
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson
  • Publication number: 20180293657
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
    Type: Application
    Filed: June 11, 2018
    Publication date: October 11, 2018
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Patent number: 10049406
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: August 14, 2018
    Assignee: Bank of America Corporation
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Publication number: 20180211323
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.
    Type: Application
    Filed: March 19, 2018
    Publication date: July 26, 2018
    Inventors: Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley, Katherine Dintenfass
  • Patent number: 10032223
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: July 24, 2018
    Assignee: Bank of America Corporation
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson
  • Patent number: 10019760
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: July 10, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Patent number: 9830660
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to receive health information of a user, wherein the health information comprises at least an age of the user and medical treatment history of the user. Based on the health information, the system determines a life expectancy of the user, and projected allocations of finances for health care of the user based on the health information and the life expectancy of the user. The system is further configured to receive retirement information of the user. Based on the health information and the financial information, the system determines a projected retirement score of the user. The system may communicate the projected retirement score of the user.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: November 28, 2017
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley
  • Publication number: 20170323068
    Abstract: A system provides healthcare monitoring and actuation of a user. The system establishes, via the distributed network, an operative communication channel with a wearable device of a user; generates and transmit a healthcare application to the wearable device via the operative communication channel; authenticates the wearable device at a first time based on at least receiving the indication that the user is in possession of the wearable device; determines that the user continues to remain in possession of the wearable device; identifies one or more trigger events associated with the user, wherein the one or more trigger events comprise healthcare trigger events, activity trigger events and location trigger events; and initiates one or more proactive response actions in response to the one or more trigger events.
    Type: Application
    Filed: July 29, 2016
    Publication date: November 9, 2017
    Inventors: Katherine Dintenfass, Khristian W. Hawver-Scott, Daralyn Marie Nicholson, Vasudevan Nagalingam, David C. Tyrie
  • Publication number: 20160364801
    Abstract: Embodiments of the present invention relate to apparatuses, systems, methods and computer program products for determining impact retirement scores and identifying solutions to aid a user in retirement planning. In one embodiment, a system comprises at least one processing device configured to receive retirement information of a primary user, calculate a retirement score based on a primary user profile, determine relationships of the primary user and hence determine a plurality of secondary users. Further, the at least one processing device is configured to generate user profiles for the secondary users and analyze the user profiles to determine if the secondary users affect the primary user's retirement score. The system then determines the impact retirement score for the primary user, wherein the impact retirement score is an estimate of the primary user's preparedness for the impact of the secondary users on the primary user's retirement.
    Type: Application
    Filed: June 15, 2015
    Publication date: December 15, 2016
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Publication number: 20160358258
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for performing a stress test on a retirement plan. The system is configured to calculate a retirement score for a retirement plan of a user based on one or more parameters; determine one or more life events likely to occur for the user; perform a stress test on the retirement plan of the user to determine whether the retirement plan is capable of withstanding the one or more life events; provide recommendations to the user if the retirement plan of the user is not capable of withstanding the one or more life events.
    Type: Application
    Filed: June 2, 2015
    Publication date: December 8, 2016
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Publication number: 20160275613
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing impact of life events on retirement planning. The system is configured to calculate a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, receive a user selection of a life event that could occur for the user; calculate a life event score for the selected life event based on receiving life event information associated with the at least one life event selected by the user; and initiate a presentation of a payment user interface to the user, to provide the calculated life event score to the user.
    Type: Application
    Filed: March 20, 2015
    Publication date: September 22, 2016
    Inventors: Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson, Cameron Darnell Wadley
  • Publication number: 20160275610
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to access the assets and the liabilities of a user over a network of servers, wherein the assets include illiquid assets and liquid assets, wherein the assets and the liabilities comprise a balance sheet; determine asset values and liability values; determine a retirement score based on the asset values and the liability values; and in response to determining the retirement score is equal to or greater than a threshold score, provide a first recommendation to the user, the first recommendation comprising an investment plan for at least a portion of the liquid assets.
    Type: Application
    Filed: March 20, 2015
    Publication date: September 22, 2016
    Inventors: Katherine Dintenfass, Carrie Anne Hanson, Daralyn Marie Nicholson, Cameron Darnell Wadley
  • Publication number: 20160275612
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.
    Type: Application
    Filed: March 20, 2015
    Publication date: September 22, 2016
    Inventors: Cameron Darnell Wadley, Katherine Dintenfass, Daralyn Marie Nicholson, Carrie Anne Hanson