Patents by Inventor Heather Dolan

Heather Dolan 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: 11374976
    Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.
    Type: Grant
    Filed: October 15, 2019
    Date of Patent: June 28, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Christina Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
  • Patent number: 11314848
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.
    Type: Grant
    Filed: August 30, 2019
    Date of Patent: April 26, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Christina Ann Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
  • Patent number: 11288679
    Abstract: A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.
    Type: Grant
    Filed: February 6, 2020
    Date of Patent: March 29, 2022
    Assignee: Bank of America Corporation
    Inventors: Amanda J. Adams, Joseph N. Johansen, Michael Ogrinz, Heather Dolan, William P. Jacobson, Manu J. Kurian
  • Publication number: 20210174369
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for linked resource interactions utilizing enhanced peer-to-peer applications. In particular, the system may continuously collect resource transfer data associated with a user or resource actions conducted using a peer-to-peer payment application, and may assign a unique transaction token identifier to a specific resource action to later identify, reverse, alter, or cancel the specific resource action. In this way, the system may provide an efficient and streamlined way to execute resource actions such as refunds using a single transaction identifier, and enhance the security and integrity of peer-to-peer payment networks by ensuring resource transfers are routed to the appropriate resource accounts.
    Type: Application
    Filed: December 5, 2019
    Publication date: June 10, 2021
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christina A. Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
  • Publication number: 20210112098
    Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.
    Type: Application
    Filed: October 15, 2019
    Publication date: April 15, 2021
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christina Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
  • Patent number: 10943229
    Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.
    Type: Grant
    Filed: November 29, 2016
    Date of Patent: March 9, 2021
    Assignee: Bank of America Corporation
    Inventors: Heather Dolan, Victoria L. Dravneek, Zafer Mohamed
  • Publication number: 20210067460
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.
    Type: Application
    Filed: August 30, 2019
    Publication date: March 4, 2021
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christina Ann Lillie, Justin Riley DuPont, Malathi Jivan, Heather Dolan, Poppy Marie Kimball
  • Publication number: 20200402338
    Abstract: Apparatus and methods are provided for a system for tracking a movement of a dollar bill. The apparatus may include a dollar bill. The dollar bill may include an embedded sensor. The sensor may be embedded in a thickness of the bill. The sensor may have a thickness of less than 0.0043 inches. The sensor may include a memory for storing data and a transmitter. The apparatus may also include a receiver positioned on a brick and mortar banking center. The receiver may be configured to detect data transmitted from the bill and a direction of movement of the bill.
    Type: Application
    Filed: June 21, 2019
    Publication date: December 24, 2020
    Inventors: Heather Dolan, Stephen T. Shannon, William August Stahlhut, Siten Sanghvi, Crystal M. Sundaramoorthy, Kevin A. Delson, Ryan Davis
  • Publication number: 20200226599
    Abstract: A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.
    Type: Application
    Filed: February 6, 2020
    Publication date: July 16, 2020
    Inventors: Amanda J. Adams, Joseph N. Johansen, Michael Ogrinz, Heather Dolan, William P. Jacobson, Manu J. Kurian
  • Patent number: 10685386
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: June 16, 2020
    Assignee: Bank of America Corporation
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Katherine Dintenfass, Graham M. Wyllie, Kenneth A. Kaye, Heather Dolan
  • Patent number: 10679272
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene and a camera. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.
    Type: Grant
    Filed: April 4, 2019
    Date of Patent: June 9, 2020
    Assignee: Bank of America Corporation
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Katherine Dintenfass, Graham M. Wyllie, Kenneth A. Kaye, Heather Dolan
  • Publication number: 20200143345
    Abstract: A system for performing authorization of a user in an augmented reality environment comprises an augmented reality user device, an automatic teller machine, and an authentication server. The automatic teller machine has a keypad with unmarked buttons. The augmented reality user device includes a display configured to overlay virtual objects onto a field of view of a user. The augmented reality user device receives a virtual keypad overlay, which assigns values to the unmarked buttons of the keypad. Using the overlay, the augmented reality user device displays the assigned values on the buttons of the keypad. The automatic teller machine detects an input sequence entered on the keypad and sends the input sequence to the authentication server. The authentication server determines an authentication code by combining the input sequence with the virtual keypad overlay, and compares the determined authentication code with an authentication code stored in a database.
    Type: Application
    Filed: January 3, 2020
    Publication date: May 7, 2020
    Inventors: Amanda J. Adams, Joseph N. Johansen, Michael Ogrinz, Heather Dolan, William P. Jacobson, Manu J. Kurian
  • Patent number: 10607230
    Abstract: A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.
    Type: Grant
    Filed: December 2, 2016
    Date of Patent: March 31, 2020
    Assignee: Bank of America Corporation
    Inventors: Amanda J. Adams, Joseph N. Johansen, Michael Ogrinz, Heather Dolan, William P. Jacobson, Manu J. Kurian
  • Patent number: 10600111
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies a business from an image. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image, performs object recognition on the image to identify the business, and generates a location identifier identifying the business. The virtual assessment engine sends a token with the user identifier and the location identifier to a remote server, receives geolocation notifications for the user from the server, and presents the geolocation notifications as virtual objects overlaid with a real scene.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: March 24, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Katherine Dintenfass, Graham M. Wyllie, Kenneth A. Kaye, Heather Dolan
  • Patent number: 10586220
    Abstract: A system for performing authorization of a user in an augmented reality environment comprises an augmented reality user device, an automatic teller machine, and an authentication server. The automatic teller machine has a keypad with unmarked buttons. The augmented reality user device includes a display configured to overlay virtual objects onto a field of view of a user. The augmented reality user device receives a virtual keypad overlay, which assigns values to the unmarked buttons of the keypad. Using the overlay, the augmented reality user device displays the assigned values on the buttons of the keypad. The automatic teller machine detects an input sequence entered on the keypad and sends the input sequence to the authentication server. The authentication server determines an authentication code by combining the input sequence with the virtual keypad overlay, and compares the determined authentication code with an authentication code stored in a database.
    Type: Grant
    Filed: December 2, 2016
    Date of Patent: March 10, 2020
    Assignee: Bank of America Corporation
    Inventors: Amanda J. Adams, Joseph N. Johansen, Michael Ogrinz, Heather Dolan, William P. Jacobson, Manu J. Kurian
  • Publication number: 20190228450
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene and a camera. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.
    Type: Application
    Filed: April 4, 2019
    Publication date: July 25, 2019
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Katherine Dintenfass, Graham M. Wyllie, Kenneth A. Kaye, Heather Dolan
  • Patent number: 10339583
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: July 2, 2019
    Assignee: Bank of America Corporation
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Katherine Dintenfass, Graham M. Wyllie, Kenneth A. Kaye, Heather Dolan
  • Patent number: 10311223
    Abstract: A system for performing authorization of a user in a virtual reality environment includes a virtual reality user device. The virtual reality user device includes a display configured to display a virtual environment. The user device receives a virtual authentication object comprising a virtual representation of an object that the user can manipulate to enter an authentication code. The user device detects gestures performed by the user on the displayed virtual authentication object and forms an authentication request, which includes the virtual authentication object, the detected gestures; and an identifier of the user. The user device sends the authentication request to an authentication server. The authentication server determines an authentication code using the virtual authentication object and the detected gestures.
    Type: Grant
    Filed: December 2, 2016
    Date of Patent: June 4, 2019
    Assignee: Bank of America Corporation
    Inventors: Amanda J. Adams, Joseph N. Johansen, Michael Ogrinz, Heather Dolan, William P. Jacobson, Manu J. Kurian
  • Patent number: 10275772
    Abstract: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.
    Type: Grant
    Filed: June 16, 2014
    Date of Patent: April 30, 2019
    Assignee: Bank of America Corporation
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Patent number: 10255600
    Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.
    Type: Grant
    Filed: June 16, 2014
    Date of Patent: April 9, 2019
    Assignee: Bank of America Corporation
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin