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).

  • Publication number: 20150365283
    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: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin
  • Publication number: 20150363783
    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: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363778
    Abstract: A system includes a memory and a processor coupled to the memory. The processor may communicate with an electronic payment service, the electronic payment service providing a virtual account associated with the customer and determine that the customer initiated a request for a financial transaction, the financial transaction configured to transfer an amount of currency from the virtual account to a destination. The processor is also able to validate the financial transaction based at least upon data received from the electronic payment service and determine the customer account is associated with the virtual account based at least upon data received from the electronic payment service. The processor also may determine a quantity of cryptocurrency equivalent to the amount of currency (the quantity of cryptocurrency associated with the customer account) and transfer the quantity of cryptocurrency to the electronic payment service.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363769
    Abstract: A system comprises a memory operable to store a set of conversion rules. The system also comprises a processor communicatively coupled to the memory. The processor is able to receive an electronic request for a cryptocurrency conversion requesting a conversion of a first currency into a second currency, wherein the second currency is a cryptocurrency. The processor is further able to retrieve price data associated with the first and second currencies and determine whether the conversion is optimal. In response to determining the conversion is optimal, the processor determines a plurality of exchange rates associated with converting the first currency into the second currency and determines an optimal exchange rate of the plurality of exchange rates. The processor is further able to initiate, essentially simultaneously as the determination that the conversion is optimal, converting the first currency into the second currency.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363770
    Abstract: A system comprises a memory operable to store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able encode cryptocurrency information associated with the customer account onto a payment instrument. The processor is also able to receive a request for a cryptocurrency transaction from the customer using the payment instrument. In response to receiving the request, the processor is able to determine cryptocurrency information associated with the customer account and determine cryptocurrency information associated with a recipient. The processor is further able to associate the first amount of cryptocurrency with the customer account and initiate a transfer of the first amount of cryptocurrency to an account associated with the recipient.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin
  • Publication number: 20150363782
    Abstract: The system includes a memory and a processor. The memory may store a customer profile associated with a customer. The processor may be communicatively coupled to the memory and may receive a request from the customer to perform a cryptocurrency transaction with a third party. The processor may calculate a risk score for the cryptocurrency transaction and determine a number of required validations to confirm the cryptocurrency transaction based at least in part upon the risk score. The processor may further receive a number of validations from a plurality of miners and compare the number of received validations to the number of required validations. The processor is further able to determine whether the number of received validations complies with the number of required validations.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Publication number: 20150363777
    Abstract: The system includes a memory and a processor. The memory may store user profiles of an enterprise. The processor may be communicatively coupled to the memory and may receive a request from a user to perform a cryptocurrency transaction with a third party. The processor may retrieve block chain information associated with the cryptocurrency transaction and determine whether one of the user profiles is associated with the user based on the retrieved block chain information and a stored cryptoidentifier associated with one of the user profiles. The processor may further determine whether one of the user profiles is associated with the third party based on the retrieved block chain information and at least one stored cryptoidentifier associated with one of the user profiles. The processor may determine whether the cryptocurrency transaction is suspicious based on the associated user profile and communicate an alert to the enterprise.
    Type: Application
    Filed: June 16, 2014
    Publication date: December 17, 2015
    Inventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
  • Patent number: 8141134
    Abstract: Embodiments of the invention are generally directed to a system and method for enrolling a user into an authentication system. In some embodiments of the invention, a user completes a first portion of the enrollment or setup process using a first computer environment, but is not permitted to complete the enrollment or setup process from the first computer environment. The system permits the user to complete the enrollment or setup process only from a second computer environment different from the first computer environment. In one embodiment, the second computer environment is any computer environment outside of the first computer environment.
    Type: Grant
    Filed: October 30, 2009
    Date of Patent: March 20, 2012
    Assignee: Bank of America Corporation
    Inventors: Jessica Lynn Brandt, William Larry Grant, Jr., Linda Marie Dziedzic, Aaron Daniel Lewis, Duncan Converse Morrell, Kapil Pruthi, Nishant H. Shah, Justin McCord, Heather Dolan, Ronald C. Mitchell, Jr., Michael Dean Bridges, Craig T. Johnson, Xianhong Zhang, Tanuja Melkani, Debra Jean Lewis, Gail R. Davis, Karen Choy, David Shroyer, Joseph M. Hollmann, Kris Tullos, Sidney A. Winchester, Jr.
  • Publication number: 20100313245
    Abstract: Embodiments of the invention are generally directed to a system and method for enrolling a user into an authentication system. In some embodiments of the invention, a user completes a first portion of the enrollment or setup process using a first computer environment, but is not permitted to complete the enrollment or setup process from the first computer environment. The system permits the user to complete the enrollment or setup process only from a second computer environment different from the first computer environment. In one embodiment, the second computer environment is any computer environment outside of the first computer environment.
    Type: Application
    Filed: October 30, 2009
    Publication date: December 9, 2010
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Jessica Lynn Brandt, William Larry Grant, JR., Linda Marie Dziedzic, Aaron Daniel Lewis, Duncan Converse Morrell, Kapil Pruthi, Nishant H. Shah, Justin McCord, Heather Dolan, Ronald C. Mitchell, JR., Michael Dean Bridges, Craig T. Johnson, Xianhong Zhang, Tanuja Melkani, Debra Jean Lewis, Gail R. Davis, Karen Choy, David Shroyer, Joseph M. Hollmann, Kris Tullos, Sidney A. Winchester, JR.