Patents by Inventor James M. Heddleson

James M. Heddleson 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: 10462665
    Abstract: A network authentication device that includes an authentication engine in signal communication with a network interface. The authentication engine is configured to receive an authentication key request from a first user device that identifies an account linked with a first user and a second user device. The authentication engine is configured to generate an authentication key and to establish a first set of authentication rules for the first user and a second set of authentication rules for the second user. The authentication engine is configured to generate a first authentication key fragment comprising a first portion of the authentication key and a second authentication key fragment comprising a second portion of the authentication key and to send the first authentication key fragment to the first user device and the second authentication key fragment to the second user device.
    Type: Grant
    Filed: August 17, 2017
    Date of Patent: October 29, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu J. Kurian, Morgan S. Allen, Ashish Arora, James M. Heddleson
  • Patent number: 10462126
    Abstract: A network authentication device that includes an authentication engine. The authentication engine is configured to receive an authentication key request from a user device that identifies an account. The authentication engine is configured to obtain an authentication key and to establish a first set of authentication rules for the authentication key. The authentication engine is configured to identify one or more triggering events associated with an increased threat to the account and to establish a second set of authentication rules for the authentication key. The authentication engine is configured to perform key validation for the authentication key using the first set of authentication rules and to send the authentication key to the user device. The authentication engine is configured to detect a triggering event from the one or more triggering events has occurred and perform the key validation for the authentication key using the second set of authentication rules.
    Type: Grant
    Filed: August 17, 2017
    Date of Patent: October 29, 2019
    Assignee: Bank of America Corporation
    Inventors: Manu J. Kurian, James M. Heddleson, Morgan S. Allen, Ashish Arora
  • Patent number: 10331990
    Abstract: Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.
    Type: Grant
    Filed: April 19, 2018
    Date of Patent: June 25, 2019
    Assignee: Bank of America Corporation
    Inventors: Donald Joseph Cardinal, Julie Kisselburg Johnson, James M. Heddleson, Richard McKinnon, Russell Kendall, Cameron Wadley, Willard H. Waldron, III
  • Patent number: 10325313
    Abstract: A four-pane, two-sided OLED teller window is provided. The teller window may include a first OLED pane, a second OLED pane, a third OLED pane, a fourth OLED pane, a first configurably-opaque layer and a second configurably-opaque layer. The first OLED pane may face a first direction. The third OLED pane may face a second direction. The first direction and the second direction may be substantially opposite directions. The first configurably-opaque layer may be located in between the first OLED pane and the third OLED pane. The second OLED pane may face the first direction. The fourth OLED pane may face the second direction. The second configurably-opaque layer may be located in between the second OLED pane and the fourth OLED pane. The first OLED pane and the second OLED pane may be situated side-by-side. The third OLED pane and the fourth OLED pane may be situation side-by-side.
    Type: Grant
    Filed: November 13, 2018
    Date of Patent: June 18, 2019
    Assignee: Bank of America Corporation
    Inventors: James M. Heddleson, Willard H. Waldron, III
  • Publication number: 20190102834
    Abstract: A four-pane, two-sided OLED teller window is provided. The teller window may include a first OLED pane, a second OLED pane, a third OLED pane, a fourth OLED pane, a first configurably-opaque layer and a second configurably-opaque layer. The first OLED pane may face a first direction. The third OLED pane may face a second direction. The first direction and the second direction may be substantially opposite directions. The first configurably-opaque layer may be located in between the first OLED pane and the third OLED pane. The second OLED pane may face the first direction. The fourth OLED pane may face the second direction. The second configurably-opaque layer may be located in between the second OLED pane and the fourth OLED pane. The first OLED pane and the second OLED pane may be situated side-by-side. The third OLED pane and the fourth OLED pane may be situation side-by-side.
    Type: Application
    Filed: November 13, 2018
    Publication date: April 4, 2019
    Inventors: James M. Heddleson, Willard H. Waldron, III
  • Publication number: 20190058702
    Abstract: A network authentication device that includes an authentication engine. The authentication engine is configured to receive an authentication key request from a user device that identifies an account. The authentication engine is configured to obtain an authentication key and to establish a first set of authentication rules for the authentication key. The authentication engine is configured to identify one or more triggering events associated with an increased threat to the account and to establish a second set of authentication rules for the authentication key. The authentication engine is configured to perform key validation for the authentication key using the first set of authentication rules and to send the authentication key to the user device. The authentication engine is configured to detect a triggering event from the one or more triggering events has occurred and perform the key validation for the authentication key using the second set of authentication rules.
    Type: Application
    Filed: August 17, 2017
    Publication date: February 21, 2019
    Inventors: Manu J. Kurian, James M. Heddleson, Morgan S. Allen, Ashish Arora
  • Publication number: 20190058992
    Abstract: A network authentication device that includes an authentication engine in signal communication with a network interface. The authentication engine is configured to receive an authentication key request from a first user device that identifies an account linked with a first user and a second user device. The authentication engine is configured to generate an authentication key and to establish a first set of authentication rules for the first user and a second set of authentication rules for the second user. The authentication engine is configured to generate a first authentication key fragment comprising a first portion of the authentication key and a second authentication key fragment comprising a second portion of the authentication key and to send the first authentication key fragment to the first user device and the second authentication key fragment to the second user device.
    Type: Application
    Filed: August 17, 2017
    Publication date: February 21, 2019
    Inventors: Manu J. Kurian, Morgan S. Allen, Ashish Arora, James M. Heddleson
  • Patent number: 10163154
    Abstract: A four-pane, two-sided OLED teller window is provided. The teller window may include a first OLED pane, a second OLED pane, a third OLED pane, a fourth OLED pane, a first configurably-opaque layer and a second configurably-opaque layer. The first OLED pane may face a first direction. The third OLED pane may face a second direction. The first direction and the second direction may be substantially opposite directions. The first configurably-opaque layer may be located in between the first OLED pane and the third OLED pane. The second OLED pane may face the first direction. The fourth OLED pane may face the second direction. The second configurably-opaque layer may be located in between the second OLED pane and the fourth OLED pane. The first OLED pane and the second OLED pane may be situated side-by-side. The third OLED pane and the fourth OLED pane may be situation side-by-side.
    Type: Grant
    Filed: June 21, 2016
    Date of Patent: December 25, 2018
    Assignee: Bank of America Corporation
    Inventors: James M. Heddleson, Willard H. Waldron, III
  • Publication number: 20180349749
    Abstract: Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.
    Type: Application
    Filed: April 19, 2018
    Publication date: December 6, 2018
    Inventors: Donald Joseph Cardinal, Julie Kisselburg Johnson, James M. Heddleson, Richard McKinnon, Russell Kendall, Cameron Wadley, Willard H. Waldron, III
  • Patent number: 9978010
    Abstract: Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.
    Type: Grant
    Filed: April 25, 2017
    Date of Patent: May 22, 2018
    Assignee: Bank of America Corporation
    Inventors: Donald Joseph Cardinal, Julie Kisselburg Johnson, James M. Heddleson, Richard McKinnon, Russell Kendall, Cameron Wadley, Willard H. Waldron, III
  • Publication number: 20170364788
    Abstract: Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.
    Type: Application
    Filed: April 25, 2017
    Publication date: December 21, 2017
    Inventors: Donald Joseph Cardinal, Julie Kisselburg Johnson, James M. Heddleson, Richard McKinnon, Russell Kendall, Cameron Wadley, Willard H. Waldron, III
  • Publication number: 20170364997
    Abstract: A four-plane, two-sided OLED teller window is provided. The teller window may include a first OLED plane, a second OLED plane, a third OLED plane, a fourth OLED plane, a first configurably-opaque layer and a second configurably-opaque layer. The first OLED plane may face a first direction. The third OLED plane may face a second direction. The first direction and the second direction may be substantially opposite directions. The first configurably-opaque layer may be located in between the first OLED plane and the third OLED plane. The second OLED plane may face the first direction. The fourth OLED plane may face the second direction. The second configurably-opaque layer may be located in between the second OLED plane and the fourth OLED plane. The first OLED plane and the second OLED plane may be situated side-by-side. The third OLED plane and the fourth OLED plane may be situation side-by-side.
    Type: Application
    Filed: June 21, 2016
    Publication date: December 21, 2017
    Inventors: James M. Heddleson, Willard H. Waldron, III
  • Patent number: 9760124
    Abstract: Method and apparatus for OLED-based displays are provided. Methods may include receiving card identification from a contactless communications chip at an OLED-based foldable display. Methods may include receiving a handwritten signature at a pressure-sensitive portion on the display. Methods may include transmitting the card identification information to a secure entity hub. Methods may include receiving a packet from the secure entity hub. The packet may include the identification number, an acceptance of the handwritten signature and card blank information. Methods may include activating a card blank attached to the display with card blank information. Methods may include transmitting a second packet to the secure entity hub comprising the identification number and a message that the card blank has been activated.
    Type: Grant
    Filed: July 11, 2016
    Date of Patent: September 12, 2017
    Assignee: Bank of America Corporation
    Inventors: Julie Kisselburg Johnson, James M. Heddleson, Monika V. Kapur, William P. Jacobson
  • Patent number: 9665818
    Abstract: Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.
    Type: Grant
    Filed: June 21, 2016
    Date of Patent: May 30, 2017
    Assignee: Bank of America Corporation
    Inventors: Donald Joseph Cardinal, Julie Kisselburg Johnson, James M. Heddleson, Richard McKinnon, Russel Kendall, Cameron Wadley, Willard H. Waldron, III