Patents by Inventor Ketil Bjugan
Ketil Bjugan 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).
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Patent number: 9595036Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: GrantFiled: March 15, 2013Date of Patent: March 14, 2017Assignee: Bank of America CorporationInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Patent number: 9595035Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: GrantFiled: March 15, 2013Date of Patent: March 14, 2017Assignee: Bank of America CorporationInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Patent number: 8364567Abstract: Systems, methods, and computer program products are provided for a secure platform for conducting financial institution transactions. A game console platform is defined that provides for both individual customers and business customers to conduct financial transactions while ensuring higher integrity and confidentiality of the customer's transactions. Additionally, the platform provides for greater user-interface functionality and a heightened user experience.Type: GrantFiled: December 29, 2008Date of Patent: January 29, 2013Assignee: Bank of America CorporationInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele, Ketil Bjugan
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Publication number: 20120066077Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: ApplicationFiled: February 23, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Publication number: 20120066127Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions.Type: ApplicationFiled: February 23, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Publication number: 20120066126Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: ApplicationFiled: February 23, 2011Publication date: March 15, 2012Applicant: BANK OF AMERICA CORPORATIONInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Patent number: 8036638Abstract: Systems and methods are disclosed for identifying circumstances where end-to-end security is not available to a mobile banking customer. The user may be alerted/warned or restricted from accessing some banking services through his/her WAP-enabled mobile device if the server (e.g., bank server) determines that end-to-end security is not available. In some instances, the bank server may access a computer data file containing a list of known end-to-end secure devices and gateways to verify the integrity of the data communication. The server may verify the integrity of the data communication using loose matching.Type: GrantFiled: October 25, 2010Date of Patent: October 11, 2011Assignee: Bank of America CorporationInventors: Ketil Bjugan, Douglas Gerard Brown, Peter K. Buchhop
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Publication number: 20110039519Abstract: Systems and methods are disclosed for identifying circumstances where end-to-end security is not available to a mobile banking customer. The user may be alerted/warned or restricted from accessing some banking services through his/her WAP-enabled mobile device if the server (e.g., bank server) determines that end-to-end security is not available. In some instances, the bank server may access a computer data file containing a list of known end-to-end secure devices and gateways to verify the integrity of the data communication. The server may verify the integrity of the data communication using loose matching.Type: ApplicationFiled: October 25, 2010Publication date: February 17, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Ketil Bjugan, Douglas Gerard Brown, Peter K. Buchhop
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Patent number: 7835723Abstract: Systems and methods are disclosed for identifying circumstances where end-to-end security is not available to a mobile banking customer. The user may be alerted/warned or restricted from accessing some banking services through his/her WAP-enabled mobile device if the bank server determines that end-to-end security is not available. In some instances, the bank server may access a computer data file containing a list of known end-to-end secure devices and gateways to verify the integrity of the data communication. The server may verify the integrity of the data communication using loose matching.Type: GrantFiled: February 4, 2007Date of Patent: November 16, 2010Assignee: Bank of America CorporationInventors: Ketil Bjugan, Douglas Gerard Brown, Peter K Buchhop
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Publication number: 20100169202Abstract: Systems, methods, and computer program products are provided for a secure platform for conducting financial institution transactions. A game console platform is defined that provides for both individual customers and business customers to conduct financial transactions while ensuring higher integrity and confidentiality of the customer's transactions. Additionally, the platform provides for greater user-interface functionality and a heightened user experience.Type: ApplicationFiled: December 29, 2008Publication date: July 1, 2010Applicant: BANK OF AMERICA CORPORATIONInventors: Daniel P. Shnowske, William Treadwell, Todd Keith Inskeep, Helene Urban Mele, Ketil Bjugan
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Publication number: 20080189759Abstract: Systems and methods are disclosed for identifying circumstances where end-to-end security is not available to a mobile banking customer. The user may be alerted/warned or restricted from accessing some banking services through his/her WAP-enabled mobile device if the bank server determines that end-to-end security is not available. In some instances, the bank server may access a computer data file containing a list of known end-to-end secure devices and gateways to verify the integrity of the data communication. The server may verify the integrity of the data communication using loose matching.Type: ApplicationFiled: February 4, 2007Publication date: August 7, 2008Applicant: Bank of America CorporationInventors: Ketil Bjugan, Douglas Gerard Brown, Peter K. Buchhop