Patents by Inventor Jason Christian Karmelek

Jason Christian Karmelek 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: 11412054
    Abstract: Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.
    Type: Grant
    Filed: January 2, 2020
    Date of Patent: August 9, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Patent number: 10990912
    Abstract: A system may be configured for: analyzing resources and attributes to identify a subset of users having complementary resources; generating an integrated resource cluster comprising the subset of users; distributing resource transfer tasks from a received resource exchange request to the integrated resource cluster to dispense outbound resources; determining an inbound resource total for the integrated resource cluster; and transferring calculated resource divisions the subset of users comprising the integrated resource cluster. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.
    Type: Grant
    Filed: February 15, 2017
    Date of Patent: April 27, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Publication number: 20200145506
    Abstract: Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.
    Type: Application
    Filed: January 2, 2020
    Publication date: May 7, 2020
    Applicant: Bank of America Corporation
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Patent number: 10581988
    Abstract: Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: March 3, 2020
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Patent number: 10476813
    Abstract: A system may be configured for: analyzing resource transfers to identify a subset of users having complementary resource transfer patterns; monitoring resource transfers of the subset of users; determining that a user has a resource surplus; transferring resources corresponding to the resource surplus from the user to a resource pool; determining that the second user has a resource deficiency; and transferring resources corresponding to the resource deficiency from the resource pool to the second user. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.
    Type: Grant
    Filed: February 15, 2017
    Date of Patent: November 12, 2019
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Patent number: 10433196
    Abstract: Systems, computer program products, and methods are described herein for tracking resource allocation/usage across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive, from a first user computing device, a first user request for authorization to access at least one of the one or more computing devices; initiate the augmented reality application for display on the at least one of the one or more computing devices; reconfigure, via the augmented reality application, a display device associated with the first user computing device to emulate a content displayed on a display device associated with at least one of the one or more computing devices on the display device of the first user computing device; retrieve, using the first user computing device, information from the content; process, using the first computing device, the retrieved information; and display the processed information.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: October 1, 2019
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Patent number: 10356074
    Abstract: Embodiments of the present invention provide a system for identifying and pooling resources, as well as tools that enable users to manage the pooled resources. In particular, the system may identify resource data provided by an authenticated user and assign a classification to the resource based on the data type. The system may further create logical links between and amongst the resources provided by all authenticated users within the system according to their respective classifications, grouping like resources or related resources together. Resources may be assigned to one or more classifications and may be “tagged” for later identification and retrieval by the system based on the data contained within the resources. The system may then provide the aggregated data to the user for further processing and input.
    Type: Grant
    Filed: February 15, 2017
    Date of Patent: July 16, 2019
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Patent number: 10291487
    Abstract: Systems, computer program products, and methods are described herein for predictive acquisition and use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to initiate a change associated with a resource utilization profile of the user; initiate a first user interface, wherein the first user interface comprises one or more resources associated with the resource utilization profile; receive a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change; monitor the one or more resources for a predetermined amount of time since the initiation of the change; determine a utilization trend; dynamically generate a graphical representation of the utilization trend; and display the graphical representation of the utilization trend to the user.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: May 14, 2019
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Patent number: 10178101
    Abstract: Systems, computer program products, and methods are described herein for access to a resource across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to access a resource; display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile; receive a user acknowledgement to establish the authorization profile; determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile; and display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: January 8, 2019
    Assignee: Bank of America Corporation
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Patent number: 10164855
    Abstract: A system may be configured for: identifying a plurality of resource deficiencies associated with a first plurality of users; constructing a resource deficiency object repository comprising a plurality of resource deficiency objects associated with the plurality of resource deficiencies; determining a resource provisioning capability associated with the second user; constructing a resource provisioning object associated with the resource provisioning capability of the second user; determining that the resource provisioning capability associated with the second user matches a first resource deficiency associated with the first user; establishing, automatically, a resource connection between the first resource deficiency object and the resource provisioning object and initiating transfer of resources corresponding to the resource provisioning capability associated with the second user to the first user.
    Type: Grant
    Filed: February 15, 2017
    Date of Patent: December 25, 2018
    Assignee: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Patent number: 10129126
    Abstract: Systems, computer program products, and methods are described herein for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine resource utilization profile associated with a user; continuously monitor the resource utilization profile of the user to track the use of the one or more resources allocated to the user over a predetermine period of time; determine one or more elevated usage instances; predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur; determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances; and reallocate the one or more determined resources to the user.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: November 13, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Publication number: 20180232682
    Abstract: A system may be configured for: analyzing resources and attributes to identify a subset of users having complementary resources; generating an integrated resource cluster comprising the subset of users; distributing resource transfer tasks from a received resource exchange request to the integrated resource cluster to dispense outbound resources; determining an inbound resource total for the integrated resource cluster; and transferring calculated resource divisions the subset of users comprising the integrated resource cluster. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.
    Type: Application
    Filed: February 15, 2017
    Publication date: August 16, 2018
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Publication number: 20180234353
    Abstract: A system may be configured to: receive, from a first user device, resource data associated with a first resource; extract and determine attributes of the first resource and a first user from the resource data; based on the attributes of the first resource and the first user, assign one or more classifications to the first resource and the first user; based on the one or more classifications of the first resource and the first user, predict a future action of the user within a resource management client application; and send, over a network, a future action command to the first user device to prompt the first user to complete the future action.
    Type: Application
    Filed: February 15, 2017
    Publication date: August 16, 2018
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Publication number: 20180234317
    Abstract: A system may be configured for: identifying a plurality of resource deficiencies associated with a first plurality of users; constructing a resource deficiency object repository comprising a plurality of resource deficiency objects associated with the plurality of resource deficiencies; determining a resource provisioning capability associated with the second user; constructing a resource provisioning object associated with the resource provisioning capability of the second user; determining that the resource provisioning capability associated with the second user matches a first resource deficiency associated with the first user; establishing, automatically, a resource connection between the first resource deficiency object and the resource provisioning object and initiating transfer of resources corresponding to the resource provisioning capability associated with the second user to the first user.
    Type: Application
    Filed: February 15, 2017
    Publication date: August 16, 2018
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Publication number: 20180234354
    Abstract: A system may be configured for: analyzing resource transfers to identify a subset of users having complementary resource transfer patterns; monitoring resource transfers of the subset of users; determining that a user has a resource surplus; transferring resources corresponding to the resource surplus from the user to a resource pool; determining that the second user has a resource deficiency; and transferring resources corresponding to the resource deficiency from the resource pool to the second user. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.
    Type: Application
    Filed: February 15, 2017
    Publication date: August 16, 2018
    Inventors: Victoria L. Dravneek, Katherine Dintenfass, Robert S. Kerr, Jason Christian Karmelek
  • Publication number: 20180034744
    Abstract: The invention provides for identifying an event associated with an entity and determining and/or predicting, for the event, the resources that need to be allocated for the event, the entities ability to perform the event based on the entities current input and output of resources and the entities ability to acquire resources to perform the event. In specific embodiments of the invention, third-party entities are identified for performing the event.
    Type: Application
    Filed: July 29, 2016
    Publication date: February 1, 2018
    Inventors: Katherine Dintenfass, Victoria L. Dravneek, Cameron D. Wadley, Amber J. Quitadamo, Jason Christian Karmelek
  • Publication number: 20180034743
    Abstract: The invention implements a distributed computing network to identify or detect resources that are being unused and/or underused and, in response to such identification, reallocating the resources. In this regard, reallocation may provide for aggregating and/or converting the resources to another resource or transferring the resource to another entity, which may include converting the resource to another resource prior to transfer.
    Type: Application
    Filed: July 26, 2016
    Publication date: February 1, 2018
    Inventors: Katherine Dintenfass, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Amber J. Quitadamo
  • Publication number: 20170359740
    Abstract: Systems, computer program products, and methods are described herein for tracking resource allocation/usage across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive, from a first user computing device, a first user request for authorization to access at least one of the one or more computing devices; initiate the augmented reality application for display on the at least one of the one or more computing devices; reconfigure, via the augmented reality application, a display device associated with the first user computing device to emulate a content displayed on a display device associated with at least one of the one or more computing devices on the display device of the first user computing device; retrieve, using the first user computing device, information from the content; process, using the first computing device, the retrieved information; and display the processed information.
    Type: Application
    Filed: June 8, 2016
    Publication date: December 14, 2017
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Publication number: 20170359245
    Abstract: Systems, computer program products, and methods are described herein for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine resource utilization profile associated with a user; continuously monitor the resource utilization profile of the user to track the use of the one or more resources allocated to the user over a predetermine period of time; determine one or more elevated usage instances; predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur; determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances; and reallocate the one or more determined resources to the user.
    Type: Application
    Filed: June 8, 2016
    Publication date: December 14, 2017
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo
  • Publication number: 20170359230
    Abstract: Systems, computer program products, and methods are described herein for predictive acquisition and use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to initiate a change associated with a resource utilization profile of the user; initiate a first user interface, wherein the first user interface comprises one or more resources associated with the resource utilization profile; receive a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change; monitor the one or more resources for a predetermined amount of time since the initiation of the change; determine a utilization trend; dynamically generate a graphical representation of the utilization trend; and display the graphical representation of the utilization trend to the user.
    Type: Application
    Filed: June 8, 2016
    Publication date: December 14, 2017
    Inventors: Katherine Dintenfass, Alicia C. Jones-McFadden, Matthew Hsieh, Victoria L. Dravneek, Cameron D. Wadley, Jason Christian Karmelek, Andrew Saar, Amber J. Quitadamo