Patents by Inventor David Smiddy
David Smiddy 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: 20230259394Abstract: Capabilities for resource event processing are increased at resource event processing apparatus through use of a peer-to-peer resource event processing network. The resource event processing apparatus receives an alias associated with a user of the peer-to-peer resource event processing network. In response, the resource event processing apparatus communicates a peer-to-peer resource event request to the peer-to-peer resource event network. In response to the peer-to-peer resource event network receiving and processing the request, the user’s mobile communication device receives peer-to-peer resource event acceptance request and, in response to the user providing an input to accept the peer-to-peer resource event, the mobile communication device communicates a peer-to-peer resource event confirmation to the peer-to-peer resource event network.Type: ApplicationFiled: January 26, 2022Publication date: August 17, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Paul Martin Mattison, Charles Hector Gruesbeck, II, Martha Sain McClellan, David Smiddy, Ann Ta
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Patent number: 11720295Abstract: Embodiments of the present invention provide a system for transforming entity device to a multi-functional device via a remote communication link. In particular, the system may be configured to receive an interaction request from an associate, via an associate device, wherein the interaction request is associated with a user, authenticate the associate using the associate device, in response to authenticating the associate, establish a remote communication link between the associate device and an entity device, receive an activation request from the associate to activate the entity device, via the associate device and the remote communication link, and in response to receiving the activation request, activate the entity device and transform the entity device to a multi-functional device.Type: GrantFiled: August 10, 2021Date of Patent: August 8, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Carl Parziale, James Alexander, Elizabeth Anne Price, David Smiddy
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Publication number: 20230237517Abstract: Embodiments of the invention are directed to a system and method for generating and transmitting shareable electronic notification data via a hardware device network. A non-transitory wireless signal is broadcasted from a front-line unit in a network of front-line units, and a user determined to be in proximity to the front-line unit receives via the wireless signal reward data from a database. Electronic notification data is transmitted to the user device, whereafter the electronic notification data is displayed and an option to share the reward data to a secondary user is provided. Once shared, the secondary user's user device establishes a connection to the front-line unit to receive the reward data from the rewards database.Type: ApplicationFiled: January 26, 2022Publication date: July 27, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Paul Martin Mattison, Martha Sain McClellan, David Smiddy
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Patent number: 11711698Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine, such as an automated teller machine (ATM). In particular, the system may assign exclusive control over an automated device to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions. In some embodiments, the system may invoke one or more auxiliary devices on the same network to complete the interaction.Type: GrantFiled: August 10, 2021Date of Patent: July 25, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Carl Parziale, James Alexander, Elizabeth Anne Price, David Smiddy
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Publication number: 20230230458Abstract: Consolidated resource event processing at an automated electronic apparatus. A user having a resource depository that is associated with an entity other than the entity controlling the automated electronic apparatus is able to conduct certain resource events at the apparatus, e.g., inputting tangible resources at the automated electronic apparatus, initiating a resource event with a second user at the automated electronic apparatus using the tangible resources, and receiving tangible resources at the automated electronic apparatus.Type: ApplicationFiled: January 20, 2022Publication date: July 20, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Paul Martin Mattison, Charles Hector Gruesbeck, II, Martha Sain McClellan, David Smiddy
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Publication number: 20230196361Abstract: Systems, methods, and computer program products are provided for providing an electronic centralized gateway switch to a plurality of network devices. The method includes assigning a resource value to a resource received from a sending user. The resource value corresponds to a value of the resource received. The method also includes receiving a resource transfer information. The resource transfer information includes intended transfer target information corresponding to an intended transfer target account associated with an intended transfer target. The intended transfer target account is associated with one of a plurality of resource entities. The method further includes connecting to the resource entity associated with the intended transfer target account based on the resource entity associated with the intended transfer target account.Type: ApplicationFiled: December 16, 2021Publication date: June 22, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Paul Martin Mattison, David Smiddy, Ann Ta, Charles Hector Gruesbeck, II
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Publication number: 20230188357Abstract: A system is provided for authenticating peer-to-peer resource exchanges using non-fungible tokens. In particular, the system may store, on a distributed register, a secure token (e.g., a non-fungible token) associated with a particular resource. Subsequently, a user who may be the owner of such resource and/or the associated token may wish to execute a peer-to-peer exchange of the resource for a second resource. The system may, in response to receiving the second resource from a second user, initiate a process to transfer ownership of the secure token to the second user. In this way, the system provides an efficient and secure way to conduct peer-to-peer resource exchanges.Type: ApplicationFiled: December 9, 2021Publication date: June 15, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Manu Jacob Kurian, David Smiddy
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Publication number: 20230186309Abstract: Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.Type: ApplicationFiled: December 10, 2021Publication date: June 15, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Manu Jacob Kurian, Carl Parziale, David Smiddy, Harold Joseph Kennedy
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Publication number: 20230169189Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.Type: ApplicationFiled: January 12, 2023Publication date: June 1, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Mousumi Chatterjee, Shyam Acharya, James Alexander, David Smiddy, Devi Kumar
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Publication number: 20230169188Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.Type: ApplicationFiled: January 12, 2023Publication date: June 1, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Mousumi Chatterjee, Shyam Acharya, James Alexander, David Smiddy, Devi Kumar
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Patent number: 11636481Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.Type: GrantFiled: May 11, 2021Date of Patent: April 25, 2023Assignee: Bank of America CorporationInventors: Paul Martin Mattison, Sr., Matthew E. Williams, Carl Parziale, Pavan Singaraju, Anne Price, David Smiddy, Brandon Kozlowski, Jennifer Raley
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Publication number: 20230119691Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.Type: ApplicationFiled: October 18, 2021Publication date: April 20, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Manu Jacob Kurian, David Smiddy, Harold Joseph Kennedy
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Patent number: 11620644Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument.Type: GrantFiled: April 16, 2021Date of Patent: April 4, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Harold Joseph Kennedy, Tony England, David Smiddy
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Patent number: 11593494Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.Type: GrantFiled: June 3, 2020Date of Patent: February 28, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Mousumi Chatterjee, Shyam Acharya, James Alexander, David Smiddy, Devi Kumar
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Publication number: 20230048988Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine and one or more auxiliary devices on the same local network. In particular, the system may assign exclusive control over an automated device and one or more auxiliary devices to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions.Type: ApplicationFiled: August 10, 2021Publication date: February 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Carl Parziale, James Alexander, Elizabeth Anne Price, David Smiddy
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Publication number: 20230052400Abstract: Embodiments of the present invention provide a system for transforming entity device to a multi-functional device via a remote communication link. In particular, the system may be configured to receive an interaction request from an associate, via an associate device, wherein the interaction request is associated with a user, authenticate the associate using the associate device, in response to authenticating the associate, establish a remote communication link between the associate device and an entity device, receive an activation request from the associate to activate the entity device, via the associate device and the remote communication link, and in response to receiving the activation request, activate the entity device and transform the entity device to a multi-functional device.Type: ApplicationFiled: August 10, 2021Publication date: February 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Carl Parziale, James Alexander, Elizabeth Anne Price, David Smiddy
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Publication number: 20230052713Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine, such as an automated teller machine (ATM). In particular, the system may assign exclusive control over an automated device to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions. In some embodiments, the system may invoke one or more auxiliary devices on the same network to complete the interaction.Type: ApplicationFiled: August 10, 2021Publication date: February 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Carl Parziale, James Alexander, Elizabeth Anne Price, David Smiddy
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Publication number: 20230046196Abstract: Simultaneous distributed application support of multiple identity management systems is provided through the use of virtual web server instances, which enable one identity management system, on physical servers already running a pre-existing web server instance, which enables a different identity management system. Further, an intelligent rules-based determination is implemented to determine whether to route an access request to either the virtual or pre-existing web server instance. Since the virtual web server instances are generated on the same physical server that executes the pre-existing web service instance, the the existing network flow (i.e., a single URL) and physical infrastructure is leveraged to create a simplified approach to managing the simultaneous use of multiple identity management systems across different distributed applications.Type: ApplicationFiled: August 12, 2021Publication date: February 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: David Smiddy, Himanshu Goyal, Raghu Nadimpalli, Sanath K. Pasumarthy, Zeal J. Shah
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Patent number: 11575684Abstract: A system is provided for processing resource transfers using networked computing systems with extended functionality. In particular, the system may comprise a first resource transfer device which may provide the staging for a resource transfer process initiated by a user. The first resource transfer device may then trigger a second resource transfer device to execute the steps of the resource transfer process, where the process may comprise communicating with one or more backend servers via a middleware component. Accordingly, the system may provide an expedient way to conduct resource transfers within an entity's network.Type: GrantFiled: September 22, 2020Date of Patent: February 7, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: James Alexander, Beth Jean Adamson, Katharina Marie Mumford, Elizabeth Anne Price, Zeal J. Shah, David Smiddy
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Publication number: 20230033402Abstract: Systems, computer program products, and methods are described herein for securely managing device communication. The present invention may be configured to provide, to another system, staging information including a digital certificate, a PIN, and a protocol for storing on a device, receive from the device a request to connect to an internal network after user input of the PIN, receive a digital certificate from the device, establish a wireless connection between the device and the internal network, and cause the device to delete the PIN. In some embodiments, the system is configured to permit communication from the device to the other system for a predetermined time window. In some embodiments, the system receives updates from the other system, via an external network, and the system sends the updates to the device, via the internal network.Type: ApplicationFiled: July 29, 2021Publication date: February 2, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Harold Joseph Kennedy, Lomney Ann Bryan, David Smiddy, Matthew Edward Taylor