Patents by Inventor John Allen Sellers

John Allen Sellers 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: 11348041
    Abstract: Systems, computer program products, and methods are described herein for predictive resource access within a technical environment. The present invention is configured to initiate a resource monitoring engine on a resource procurement profile associated with a user; receive information associated with one or more resources accessed by the user over a predetermined past period of time; receive information associated with one or more user characteristics associated with the user; initiate one or more machine learning algorithms on the one or more resources and the information associated with one or more user characteristics; generate, using the one or more machine learning algorithms, a forecasting model configured to predict one or more future resources accessible to the user at a predetermined future time; and initiate a resource transformation engine on the one or more future resources predicted to be accessible to the user at the predetermined future time.
    Type: Grant
    Filed: July 2, 2020
    Date of Patent: May 31, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Charles Jason Burrell
  • Patent number: 11321127
    Abstract: A system for multi-faceted resource aggregation and deployment is provided, the system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: generate a user profile comprising historical user interaction data associated with a user; establish a connection to a resource location associated with the user; identify an existing resource associated with the resource location; determine an additional resource based on identifying the existing resource, wherein the additional resource is complementary to the existing resource; aggregate the existing resource and the additional resource into a multivariable resource collection; and configure a resource deployment based on the multivariable resource collection and the user profile, wherein the resource deployment is configured to complete a multi-faceted interaction using a combi
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: May 3, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Kapil Chhibber, Catherine Ann Crepps, John Allen Sellers
  • Publication number: 20220027865
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an auxiliary hub for passive resource conversion and collection. The system generations and provides a centralized hub for passive resource conversion. The passive resources may be linked from a third party to the hub for direct extraction of the passive resource to the hub. Furthermore, the system may translate the passive resource into active resource via a modification ratio based on the type of passive resource and passive resource provider. The user may then be able to utilize this centralized auxiliary hub for completion or partial completion of resource distributions. The invention further provides a graphical user interface that integrates the centralized auxiliary hub with user mobile applications, on-line applications, and the like allowing for partial selection from the hub and other resource sources for distribution.
    Type: Application
    Filed: July 22, 2020
    Publication date: January 27, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Justin Riley DuPont, Charles Jason Burrell, Tony England, Catherine Goss, Michael Robert Hasslinger, Christina Ann Lillie, John Allen Sellers, Vincent Butler, John Livaditis, Karen Lea MacQueen, Ana Maxim
  • Publication number: 20220020046
    Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.
    Type: Application
    Filed: July 20, 2020
    Publication date: January 20, 2022
    Applicant: Bank of America Corporation
    Inventors: Charles Jason Burrell, Justin Riley duPont, Michael Robert Hasslinger, John Allen Sellers, Tony England, Christina Ann Lillie
  • Publication number: 20220019484
    Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The real-time interaction processing further allows for the creation and use of a collective resource pool to which multiple entities are allowed to contribute resources and/or supplemental resources. Each of the entities contributing resources or supplemental resources to the collective resource pool have transparency into the entities contributing to the collective resource pool, the supplemental resources and/or other resources contributed, and confirmation that the actual interaction for which the collective resource pool is being utilized was completed.
    Type: Application
    Filed: July 20, 2020
    Publication date: January 20, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Justin Riley duPont, Charles Jason Burrell, Tony England, Michael Robert Hasslinger, Christina Ann Lillie, John Allen Sellers
  • Publication number: 20220019483
    Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The type of supplemental resources and number of supplemental resources may be converted based on the types of resource pools from which and to which the supplemental resources are being transferred.
    Type: Application
    Filed: July 20, 2020
    Publication date: January 20, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Justin Riley duPont, Charles Jason Burrell, Tony England, Michael Robert Hasslinger, Christina Ann Lillie, John Allen Sellers
  • Publication number: 20220020006
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for passive resource instant translation. The invention receives input from a user via a communicable linkage between the user and the user's passive resource collection account. Passive resources are instantly translated to resources ready for use according to a passive resource to active resource translation ratio. The converted passive resources are stored in a converted passive resource account. The invention may then identify a user request for transfer of active resources and prompt the user to select a resource account to fulfill the user request. The invention may then release active resources based on user request and input.
    Type: Application
    Filed: July 20, 2020
    Publication date: January 20, 2022
    Applicant: Bank of America Corporation
    Inventors: Charles Jason Burrell, Justin Riley duPont, Michael Robert Hasslinger, John Allen Sellers, Tony England, Christina Ann Lillie
  • Publication number: 20220004940
    Abstract: Systems, computer program products, and methods are described herein for predictive resource access within a technical environment. The present invention is configured to initiate a resource monitoring engine on a resource procurement profile associated with a user; receive information associated with one or more resources accessed by the user over a predetermined past period of time; receive information associated with one or more user characteristics associated with the user; initiate one or more machine learning algorithms on the one or more resources and the information associated with one or more user characteristics; generate, using the one or more machine learning algorithms, a forecasting model configured to predict one or more future resources accessible to the user at a predetermined future time; and initiate a resource transformation engine on the one or more future resources predicted to be accessible to the user at the predetermined future time.
    Type: Application
    Filed: July 2, 2020
    Publication date: January 6, 2022
    Applicant: Bank of America Corporation
    Inventors: John Allen Sellers, Charles Jason Burrell
  • Patent number: 10999387
    Abstract: A system for communication channel integration is provided. The system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and at least one processing device, wherein the at least one processing device is configured to execute the computer-readable program code to: generate a user data collection comprising one or more accounts and interactions associated with a first user, wherein the user data collection is accessible by the first user over a first communication channel; monitor the user data collection; based on monitoring the user data collection and user interactions, determine an actionable event associated with the first user; identify a second communication channel associated with a second user and associated with the actionable event; and in response to determining the actionable event, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel.
    Type: Grant
    Filed: July 2, 2020
    Date of Patent: May 4, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20200364510
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for intelligent passive touch network engine for resource touch misappropriation mitigation. In this way, the invention utilizes a multi-faceted resource decisioning machine learning application integration as data deployment across a built out passive touch network engine for deployment and integration for passive touch misappropriation identification. The passive touch network performs artificial intelligent pattern trends, locations, usages, and the like to determine potential misappropriation via supplemental resources. This is a deviation from standard data based misappropriation prevention based on utilization of supplemental resources as misappropriation identification.
    Type: Application
    Filed: May 16, 2019
    Publication date: November 19, 2020
    Applicant: Bank of America Corporation
    Inventors: Joseph Benjamin Castinado, Kapil Chhibber, Catherine Ann Crepps, John Allen Sellers
  • Publication number: 20200364087
    Abstract: A system for multi-faceted resource aggregation and deployment is provided, the system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: generate a user profile comprising historical user interaction data associated with a user; establish a connection to a resource location associated with the user; identify an existing resource associated with the resource location; determine an additional resource based on identifying the existing resource, wherein the additional resource is complementary to the existing resource; aggregate the existing resource and the additional resource into a multivariable resource collection; and configure a resource deployment based on the multivariable resource collection and the user profile, wherein the resource deployment is configured to complete a multi-faceted interaction using a combi
    Type: Application
    Filed: May 16, 2019
    Publication date: November 19, 2020
    Applicant: Bank of America Corporation
    Inventors: Joseph Benjamin Castinado, Kapil Chhibber, Catherine Ann Crepps, John Allen Sellers
  • Publication number: 20200336558
    Abstract: A system for communication channel integration is provided. The system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and at least one processing device, wherein the at least one processing device is configured to execute the computer-readable program code to: generate a user data collection comprising one or more accounts and interactions associated with a first user, wherein the user data collection is accessible by the first user over a first communication channel; monitor the user data collection; based on monitoring the user data collection and user interactions, determine an actionable event associated with the first user; identify a second communication channel associated with a second user and associated with the actionable event; and in response to determining the actionable event, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel.
    Type: Application
    Filed: July 2, 2020
    Publication date: October 22, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Patent number: 10802886
    Abstract: A system for resource aggregation and deployment is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: generate a user profile comprising historical user interaction data associated with a user; establish a connection to a resource location associated with the user; identify an existing resource associated with the resource location; determine an additional resource based on identifying the existing resource, wherein the additional resource is complementary to the existing resource; aggregate the existing resource and the additional resource; and configure a resource deployment based on the existing resource, the additional resource, and the user profile, wherein the resource deployment is configured to complete an interaction.
    Type: Grant
    Filed: May 16, 2019
    Date of Patent: October 13, 2020
    Assignee: BANK OF AMERICA CORORATION
    Inventors: Joseph Benjamin Castinado, Kapil Chhibber, Catherine Ann Crepps, John Allen Sellers
  • Patent number: 10708372
    Abstract: A system, computer program product, and computer-implemented method for communication channel integration are provided. The system is configured to generate a user profile comprising one or more accounts and interactions associated with a user, wherein the user profile is accessible by the user over a first communication channel in an interface of a user application; monitor the user profile; based on monitoring the user profile and user interactions, determine an actionable event associated with the user; identify a second communication channel associated with the actionable event; and in response to determining the actionable event and identifying the second communication channel, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel in the interface of the user application.
    Type: Grant
    Filed: March 14, 2019
    Date of Patent: July 7, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20200177689
    Abstract: A system, computer program product, and computer-implemented method for communication channel integration are provided. The system is configured to generate a user profile comprising one or more accounts and interactions associated with a user, wherein the user profile is accessible by the user over a first communication channel in an interface of a user application; monitor the user profile; based on monitoring the user profile and user interactions, determine an actionable event associated with the user; identify a second communication channel associated with the actionable event; and in response to determining the actionable event and identifying the second communication channel, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel in the interface of the user application.
    Type: Application
    Filed: March 14, 2019
    Publication date: June 4, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20200051104
    Abstract: Embodiments of the present invention provide a system for providing an interactive real-time digital hub for processing supplemental resources. The present invention is configured to determine resource opportunities for a user as well as one or more customized supplemental resources associated with the resource opportunities. Next, a user interface of a computing device of the user is caused to display the resource opportunities and the user's activity is monitored to determine when the user has completed a resource opportunity. The associated supplemental resource is then provided to the user, and certain events related to the amount of the aggregate amount of supplemental resources can be executed in response to receiving a request for such execution by the user.
    Type: Application
    Filed: April 1, 2019
    Publication date: February 13, 2020
    Applicant: Bank of America Corporation
    Inventors: Victoria L. Dravneek, Melissa Anne Almond, Jinna Zevulun Kim, Katherine Dintenfass, John Allen Sellers, Matthew Murphy, David A. Stetler, Lisa D. Curry
  • Patent number: D946594
    Type: Grant
    Filed: July 20, 2020
    Date of Patent: March 22, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Justin Riley duPont, Charles Jason Burrell, Tony England, Michael Robert Hasslinger, Christina Ann Lillie, John Allen Sellers