Patents by Inventor Jill Marie Moser

Jill Marie Moser 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: 20240048504
    Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.
    Type: Application
    Filed: October 17, 2023
    Publication date: February 8, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Mark Cabot Williams, Matthew Robert Gray Pitner, Jill Marie Moser
  • Patent number: 11811675
    Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.
    Type: Grant
    Filed: January 24, 2022
    Date of Patent: November 7, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Cabot Williams, Matthew Robert Gray Pitner, Jill Marie Moser
  • Publication number: 20230291718
    Abstract: Embodiments of the present invention provide a centralized for allowing communication and transmission of data between entities and third party entities to securely provide requisitions to users. The system is configured for receiving a requisition request from an entity system, wherein the requisition request is associated with a user, in response to receiving the requisition request, performing one or more data transformations to transform at least a part of data associated with the requisition request, transmitting transformed data associated with the requisition request to an intermediary system, transmitting one or more control signals to the intermediary system to cause the intermediary system to transmit the transformed data associated with the requisition request to one or more third party entities, and determining that the intermediary system received one or more requisitions from the one or more third party entities.
    Type: Application
    Filed: March 9, 2022
    Publication date: September 14, 2023
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Karen Lea MacQueen, Jill Marie Moser, Kimberly C. Turner
  • Publication number: 20230281048
    Abstract: Reverse linkage of auxiliary resources to both a resource-receiving entity and a resource storage location associated with a resource-providing entity. The reverse nature of the linkage is realized, in that, the linkage occurs in response to one or more resource events occurring between the resource-providing entity and the resource-receiving entity. As a result of the linkage, the present invention provides for the auxiliary resources to be automatically applied to an incurring subsequent, typically next-in-time, resource event conducted between the resource-providing entity and the resource-receiving entity using the linked resource storage location.
    Type: Application
    Filed: March 1, 2022
    Publication date: September 7, 2023
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Jill Marie Moser
  • Publication number: 20230239251
    Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.
    Type: Application
    Filed: January 24, 2022
    Publication date: July 27, 2023
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Mark Cabot Williams, Matthew Robert Gray Pitner, Jill Marie Moser
  • Publication number: 20220067676
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for resource presentment and allocation based on historical data usage. The system first receives a resource allocation offer associated with a resource distribution transaction. The system determines, based on historical resource distribution data stored within a memory resource, a user of a plurality of users that would utilize the resource allocation offer. The system transmits, to a user device associated with the user, a communication that indicates the resource allocation offer.
    Type: Application
    Filed: August 25, 2020
    Publication date: March 3, 2022
    Applicant: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Jill Marie Moser, Matthew Murphy, Matthew Robert Gray Pitner, Karen Lea MacQueen, Brandy Lachole Brown
  • Publication number: 20220067598
    Abstract: Embodiments of the present invention provide a system for determining resource allocation based on usage attribute data. The system is configured for determining one or more attributes associated with a user, generating a template associated with the user using the one or more attributes, comparing the template with one or more third party templates, determining a match between the template and a third party template of the one or more third party templates, and presenting a resource associated with the third party template to the user.
    Type: Application
    Filed: August 25, 2020
    Publication date: March 3, 2022
    Applicant: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Jill Marie Moser, Matthew Murphy, Matthew Robert Gray Pitner, Karen Lea MacQueen, Brandy Lachole Brown
  • Publication number: 20220070110
    Abstract: Systems, computer program products, and methods are described herein for resource allocation based on user selection. The present invention may be configured to provide one or more resource allocation offers to a user device associated with a user and receive, from the user device, an acceptance of a first resource allocation offer of the one or more resource allocation offers. The present invention may be configured to adjust, based on the acceptance of the first resource allocation offer, a second resource allocation offer from an initial amount of resources to an adjusted amount of resources, where the adjusted amount of resources is greater than the initial amount of resources. The present invention may be configured to provide the second resource allocation offer to the user device.
    Type: Application
    Filed: August 25, 2020
    Publication date: March 3, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Victoria L. Dravneek, Brandy Lachole Brown, Karen Lea MacQueen, Jill Marie Moser, Matthew Murphy, Matthew Robert Gray Pitner
  • Publication number: 20220067757
    Abstract: Systems, computer program products, and methods are described herein for determination of resource usage demand. The present invention may be configured to receive, from a user device, a potential resource allocation offer comprising attributes. The present invention may be further configured to determine, based on historical data associated with previous resource allocation offers, a potential resource usage demand associated with the potential resource allocation offer. The present invention may be further configured to provide, to the user device, the potential resource usage demand. For example, the present invention may be configured to cause the user device to display a graphical user interface including the attributes of the potential resource allocation offer and the potential resource usage demand.
    Type: Application
    Filed: August 25, 2020
    Publication date: March 3, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Victoria L. Dravneek, Brandy Lachole Brown, Karen Lea MacQueen, Jill Marie Moser, Matthew Murphy, Matthew Robert Gray Pitner
  • Patent number: 11107112
    Abstract: Embodiments of the invention are directed to a system, method, and computer program product for resource correlation based on resource usage. The system first determines a quantity of graphical prompts capable of being displayed within the area of a display. The system determines, based on the quantity of graphical prompts, a quantity of resource allocation offers. The system generates a quantity of graphical prompts based on the quantity of resource allocation offers.
    Type: Grant
    Filed: August 25, 2020
    Date of Patent: August 31, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Victoria L. Dravneek, Jill Marie Moser, Matthew Murphy, Matthew Robert Gray Pitner, Karen Lea MacQueen, Brandy Lachole Brown
  • Publication number: 20210166178
    Abstract: Systems, computer program products, and methods are described herein for implementing predictive resource transfers. The present invention is configured to initiate a remote access to a computing device associated with a merchant; request, via the remote access, information associated with one or more resources associated with the merchant; electronically receive information associated with one or more historical resource transfers executed by one or more users within a predetermined distance from a location of the merchant; predict the market need for the one or more resources associated with the merchant based on at least initiating the machine learning engine on the one or more historical resource transfers; and generate one or more resource transfer requests associated with at least a subset of the one or more resources associated with the merchant based on at least the market need.
    Type: Application
    Filed: December 2, 2020
    Publication date: June 3, 2021
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Brian J. Kehner, John E. Scully, Jill Marie Moser, Robert A. Pascal, Joshua Dean