Patents by Inventor H. Brock Kolls

H. Brock Kolls 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: 11341694
    Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.
    Type: Grant
    Filed: July 30, 2020
    Date of Patent: May 24, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erik Schutzman, Tambra Nichols, Susan Bell McCraw, H. Brock Kolls
  • Patent number: 11334951
    Abstract: A method for determining vehicle insurance costs includes receiving a starting location and a destination location for a trip using a vehicle. One or more routes for the vehicle from the starting location to the destination location are received. A cost of insurance is determined for each of the one or more routes for the trip. The cost of insurance for each of the one or more routes for the trip is displayed. A selected route from the one or more routes is received. Operation of the vehicle for the trip is enabled along the selected route.
    Type: Grant
    Filed: October 27, 2017
    Date of Patent: May 17, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: H. Brock Kolls, Andrew J. Garner, IV
  • Patent number: 11334904
    Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.
    Type: Grant
    Filed: March 24, 2021
    Date of Patent: May 17, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Mohammed Ahmed, Robin M. Carter, Megan Collins, H. Brock Kolls, Minhthe Luu, David Patron, Sarah W. Phelps, Barry Trexler
  • Publication number: 20220122202
    Abstract: A method implemented in an autonomous vehicle (AV) for facilitating property hunting includes receiving a first command to direct the AV to a geolocation of an individual. An itinerary is received for a property hunting trip for the individual in a geographical area. The itinerary includes a plurality of properties. After the individual enters the AV, a second command is received from the individual to direct the AV to a geolocation of a first property on the itinerary. Feedback is received from the individual regarding the first property. An adjustment to the itinerary based on the feedback is received.
    Type: Application
    Filed: March 25, 2020
    Publication date: April 21, 2022
    Inventors: George Muthui Bachia, Daniel Jerome Clifford, H. Brock Kolls
  • Publication number: 20220122044
    Abstract: A computer-implemented system and method comprising various procedures are provided for managing a transfer database. The method comprises creating in a memory, using a processor, a data object record in an object database. An asset is defined comprising an ownership transfer attribute comprising information identifying an original and transferee owner of the asset. The ownership transfer attribute also comprises a transfer condition attribute specifying a condition under which an ownership transfer of the asset is to occur, as well as a third-party benefit attribute comprising information identifying a third-party who is associated with the asset and a third-party value. The method facilitates engagement of the asset in a marketplace in which the asset may generate an asset revenue stream. The method further facilitates payment of a determined third-party amount of the asset revenue stream based on the third-party value to the third-party.
    Type: Application
    Filed: June 29, 2017
    Publication date: April 21, 2022
    Inventors: Yi M. Zhuo, Lin-Tine David Li, Robert Christian Brantley, Chris Gerard Baker, H. Brock Kolls, Regina Timmons, James Albert Foulis, Tambra Nichols
  • Publication number: 20220092483
    Abstract: A computer-implemented system and method are provided for modifying and utilizing a sharable customer profile of a customer stored in a processing platform memory. The method comprises, during a scheduling phase, repeatedly performing a series of operations until an accepted itinerary is indicated. The series of operations include: receiving a set of initial or modified itinerary events, creating or modifying an itinerary utilizing the set of itinerary events, the customer profile, and vendor information that includes vendor employee scheduling information, and sending the itinerary to the customer for acceptance or modification of the itinerary or itinerary events. Once the itinerary is complete with no more modifications, the itinerary is finalized. Reservations are made at respective event vendors of the itinerary events, and confirmations for the event reservations are sent to the customer.
    Type: Application
    Filed: March 9, 2018
    Publication date: March 24, 2022
    Inventors: John Andrew Chuprevich, Lina Granados, Jonathan Austin Hartsell, H. Brock Kolls, Teresa Lynn Rench, Brendon Hartman Treanor, Christina Zikeli
  • Publication number: 20220051209
    Abstract: A mobile banking system and method include autonomously driving an autonomous vehicle including an automated teller machine (ATM) to a first transaction location, and conducting a first banking transaction at the first transaction location where cash is received by or dispensed from the ATM. Thereafter, a cash amount contained in the ATM is determined, a second transaction location is determined based on the cash amount contained in the ATM.
    Type: Application
    Filed: June 26, 2017
    Publication date: February 17, 2022
    Inventors: H. Brock Kolls, Jasvir K. Singh
  • Publication number: 20220036268
    Abstract: A method for matching financial services to locations includes identifying one or more locations which are unserved or underserved regarding financial services. A set of the financial services that could be applicable at one of the one or more locations is determined. A set of technologies needed to implement the set of financial services is determined. A vehicle that contains the set of technologies is identified. The vehicle is directed to the one of the one or more locations.
    Type: Application
    Filed: October 9, 2017
    Publication date: February 3, 2022
    Inventors: H. Brock Kolls, Chhanda Charan Patanaik, Timothy A. Gates, Merle D. Wait, JR.
  • Patent number: 11237852
    Abstract: Profile information describing an attribute of a user is received from a network-based service. A selection of a goal relating to the attribute is received from the user. A start point of the user is determined with respect to the goal, where the start point is based on the profile information. A path is determined from the start point to the goal. A map on which the path is visually represented is generated and displayed. The progress of the user is tracked, including representing the user as being at a point on the path. A graphical depiction of a displayed incline of the path is changed based on the tracking of the progress of the user.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: February 1, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Erik Schutzman, Tambra Nichols, Susan Bell McCraw, H. Brock Kolls
  • Patent number: 11238406
    Abstract: A computer-implemented system and related method are provided for operating a digital inventory system. The method comprises receiving, from an imaging device, an image comprising an object and performing object recognition on the image to determine an object type of the object. The method further comprises determining when the object is to be added to an inventory database based on inventory rules stored in a memory of the digital inventory system. When these rules indicate that the object is to be added, the object is added to the inventory database. The method determines a value of the inventory object based on valuation information related to other objects of a same or similar object type. The value is associated with the inventory object. The inventory object is displayed along with its value on a computer display.
    Type: Grant
    Filed: August 9, 2017
    Date of Patent: February 1, 2022
    Assignee: Wells Fargo Bank, N.A
    Inventors: Yi M. Zhuo, Lin-Tine David Li, Robert Christian Brantley, Chris Gerard Baker, H. Brock Kolls, Regina W. Timmons, James Albert Foulis, Tambra Nichols
  • Publication number: 20220027874
    Abstract: Mobile banking systems and methods for providing disaster-relief in an area impacted by a disaster event include a plurality of autonomous mobile banking units (MBU), each with an autonomous vehicle including an automated teller machine (ATM). Data is received from a plurality of data sources and analyzed to determine a plurality of locations for deployment of the plurality of MBUs, respectively. The plurality of MBUs are autonomously deployed to the respective plurality of locations in response to the event.
    Type: Application
    Filed: September 21, 2017
    Publication date: January 27, 2022
    Inventors: H. Brock Kolls, Timothy A. Gates, Thomas Charles Evans
  • Patent number: 11217057
    Abstract: Embodiments of the disclosure include systems and methods for providing dynamic ingredient matrix reconfiguration in a product dispenser. In one example, a method for configuring a dispenser apparatus may include determining one or more current associations between some or all of a plurality of ingredient packages and one or more of a plurality of dispensing devices associated with the dispenser apparatus. The method may include determining whether a current association of the one or more current associations has changed with respect to at least one previous association between some or all of the plurality of ingredient packages and one or more of the plurality of dispensing devices, and in response to ascertaining that the current association has changed, modifying an association table based at least on the one or more current associations, the association table being representative of the at least one previous association.
    Type: Grant
    Filed: May 26, 2020
    Date of Patent: January 4, 2022
    Assignee: THE COCA-COLA COMPANY
    Inventors: Gregg Carpenter, David R. Newman, H. Brock Kolls, Son V. Tran
  • Publication number: 20210365910
    Abstract: A method for implementing a trip using an autonomous vehicle includes obtaining a geolocation of the autonomous vehicle. A destination for the trip using the autonomous vehicle is received by the autonomous vehicle. Two or more possible routes for the trip are determined by the autonomous vehicle. A fare is determined by the autonomous vehicle for each of the two or more possible routes. Information regarding the two or more possible routes for the trip and for the fare for each of the two or more possible routes for the trip is presented by the autonomous vehicle. A selection of one of the two or more possible routes is received by the autonomous vehicle. The autonomous vehicle is permitted vehicle to initiate the trip using the selection of the one of the two or more possible routes.
    Type: Application
    Filed: January 31, 2017
    Publication date: November 25, 2021
    Inventor: H. Brock Kolls
  • Publication number: 20210340002
    Abstract: Systems, methods, and computer-readable media are described for dispensing consumable products. An example method may include generating, at a controller associated with a beverage dispenser, a beverage composition record for a beverage that is formulated via an ingredient matrix and dispensed at the beverage dispenser, where the ingredient matrix comprises multiple ingredient packages each comprising a beverage ingredient. The method may include writing depletion data to the ingredient package or to a data processing device associated with the ingredient package for each ingredient package from which a beverage ingredient was included in the dispensed beverage, wherein the depletion data is based at least in part on the beverage composition record.
    Type: Application
    Filed: July 13, 2021
    Publication date: November 4, 2021
    Applicant: THE COCA-COLA COMPANY
    Inventors: Dan PETERS, Son V. TRAN, David R. NEWMAN, Leonard F. ANTAO, David O. SLAGLEY, H. Brock KOLLS
  • Patent number: 11144927
    Abstract: A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing financial information for a plurality of customers, and a transaction circuit. The transaction circuit is configured to receive a transaction request containing authentication information, the transaction request being created by a third party computing system associated with a third party, and pre-authorize the transaction request using information stored in the customer database.
    Type: Grant
    Filed: March 27, 2017
    Date of Patent: October 12, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: H. Brock Kolls
  • Patent number: 11084703
    Abstract: Systems, methods, and computer-readable media are described for dispensing consumable products. An example method may include generating, at a controller associated with a beverage dispenser, a beverage composition record for a beverage that is formulated via an ingredient matrix and dispensed at the beverage dispenser, where the ingredient matrix comprises multiple ingredient packages each comprising a beverage ingredient. The method may include writing depletion data to the ingredient package or to a data processing device associated with the ingredient package for each ingredient package from which a beverage ingredient was included in the dispensed beverage, wherein the depletion data is based at least in part on the beverage composition record.
    Type: Grant
    Filed: August 27, 2018
    Date of Patent: August 10, 2021
    Assignee: The Coca-Cola Company
    Inventors: Dan Peters, Son V. Tran, David R. Newman, Leonard F. Antao, David O. Slagley, H. Brock Kolls
  • Patent number: 11037160
    Abstract: A computer-implemented method includes identifying an individual having a prior interaction with a target customer, generating a risk score for the identified individual based on information regarding the regarding the individual, the information regarding the individual either being stored in a database associated with a financial institution computing system or at an external computing system, determining that the risk score is above a predetermined threshold, receiving an indication of a potential interaction between the target customer and the identified individual, and transmitting an alert to a customer computing device associated with the target alert in response to receiving the indication and the risk score being above the predetermined threshold, the alert notifying the target customer that the identified individual is likely to defraud the target customer.
    Type: Grant
    Filed: July 6, 2017
    Date of Patent: June 15, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: H. Brock Kolls
  • Patent number: 11038862
    Abstract: A computing system includes a network circuit enabling the computing system to exchange information over a network, a customer database storing information pertaining to various user accounts pertaining to a plurality of users, and a risk assessment circuit. The risk assessment circuit is configured search at least one data source to identify a user attribute, determine that the user attribute bears a relationship to a first security credential that is either associated with or potentially associated with a user account, generate a security prompt responsive to the determination, and transmit the security prompt to a user computing device associated with the user.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: June 15, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Chemere Davis, Andrew J. Garner, IV, Bryan D. Hall, H. Brock Kolls, Nicola A. Maiorana, Ximing Zhao
  • Publication number: 20210142317
    Abstract: A system, method, and apparatus using a server system associated with an global network payment system, including a processor and a memory having instructions stored in non-transitory machine-readable media, the instructions executable by the processor, is provided. The server system is structured to generate a web-based payment card by appending a web-based payment card prefix corresponding to the global network payment system to an account number associated with a customer account. The server system is also structured to receive an electronic transaction record from a financial transaction router, wherein the electronic transaction record includes packaged web-based payment data, the packaged web-based payment data including at least the web-based payment card prefix and the account number comprised in the web-based payment card. The server system is further configured to identify a customer account based on the electronic transaction record and process a payment from the customer account.
    Type: Application
    Filed: July 20, 2017
    Publication date: May 13, 2021
    Inventors: H. Brock Kolls, Tambra Nichols, Daniel Sanford, Tosha Wesley, Ximing Zhao
  • Publication number: 20210097628
    Abstract: This disclosure is directed to techniques that include automatically researching information about personal or business contacts for a relationship manager or other person, proposing relationship actions to be performed for such contacts, and/or executing relationship actions on behalf of the relationship manager. A method may include receiving, by a computing system, information about a plurality of contacts; storing, by the computing system, the information about the plurality of contacts; monitoring, by the computing system, a plurality of information sources to identify, based on the stored information, further information associated with at least one of the plurality of contacts; determining, by the computing system, and based on the identified further information, a proposed relationship action for a target contact; outputting, by the computing system and for display, a user interface that includes information about the about the target contact and the proposed relationship action.
    Type: Application
    Filed: February 21, 2017
    Publication date: April 1, 2021
    Inventor: H. Brock Kolls