Patents by Inventor Kevin T. Cole

Kevin T. Cole 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: 10068211
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a reallocation of resources contextual visual element and double verification requirement for resource distribution. In this way, the system identifies goals associated with a user and generated contextual visual elements associated with those goals. Based on a triggering event, the system displays the customized contextual visual element on a display of the user's device locking the functionality of the user device for a period of time the contextual visual element is displayed. Furthermore, the system may integrate and code a double verification requirement into resource distribution applications, requiring secondary authentication and additional verification for resource distribution.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: September 4, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Patent number: 10021672
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: July 10, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20180114127
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.
    Type: Application
    Filed: February 8, 2017
    Publication date: April 26, 2018
    Inventors: Kevin T. Cole, Alicia C. Jones-McFadden, Sushil Golani, Caitlin Chrisman Bullock, Dariane K. Hunt, Ramakrishna R. Yannam, Christian S. Kitchell, Matthew Hsieh, Shahram Khosraviani, Priyank R. Shah, Maruthi Shanmugam
  • Publication number: 20170195993
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170195994
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170193483
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a real-time determination of resource availability for usage via an interactive forecast interface with incorporated dashboard. In this way, the invention provides a real-time overlay forecast interface on a mobile device. The system gains access to one or more resources of a user and compiles the resources into an interactive forecast interface for visualization, manipulation, and mock manipulation of resources. The invention converts resource data extracted from the sources of the resource into a textual format encrypted for secure implementation and use into the interactive forecast interface.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170193413
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a predictive utilization of resource and daily resource goal progression interface. In this way, the invention provides a real-time daily interface presentation on a mobile device. The system gains access to one or more resources of a user and compiles the resources into an interface for resource visualization. The system subsequently manipulates the real-time resource data to project resource goal progression and maturation. Furthermore, the system analysis resource allocation and presents temporal peak graphical representations of fluctuations in resource allocation across time frames.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170193501
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing real-time resource tracking and allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring, change determination and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. The invention enables the determination of resource availability for usage based on ascertaining the resources required for critical tasks, at a given instance of time. Furthermore, the system generates resource transfer analysis comprising historical resource transfer patterns. Consequently, the system formulates unique resource allocation tools that are implemented, automatically in response to one or more trigger events.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170193474
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a reallocation of resources contextual visual element and double verification requirement for resource distribution. In this way, the system identifies goals associated with a user and generated contextual visual elements associated with those goals. Based on a triggering event, the system displays the customized contextual visual element on a display of the user's device locking the functionality of the user device for a period of time the contextual visual element is displayed. Furthermore, the system may integrate and code a double verification requirement into resource distribution applications, requiring secondary authentication and additional verification for resource distribution.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott R. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170091873
    Abstract: Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.
    Type: Application
    Filed: September 24, 2015
    Publication date: March 30, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Alicia C. Jones-McFadden
  • Publication number: 20150227879
    Abstract: Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialists with the user. At least one condition used to match the specialist with the user is the social networking contacts of the user that have a relationship with the specialists. Additional conditions may include, but are not limited to, locations of the user and specialists, social networking profile information of the user and specialists, or other like account profile information for the user and specialists.
    Type: Application
    Filed: February 7, 2014
    Publication date: August 13, 2015
    Applicant: Bank of America Corporation
    Inventors: Peter John Bertanzetti, Kevin T. Cole, Carrie Anne Hanson, Elizabeth S. Votaw, Joseph Neil Johansen
  • Publication number: 20150227902
    Abstract: Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user in a website or application the user is viewing, an application running in the background of a user system, or through a communication channel. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialist with the user. The conditions may include but are not limited to locations of the user and specialists, profile information of the user and specialists, social networking contacts for the user and specialists, or other like account profile information for the user and specialists.
    Type: Application
    Filed: February 7, 2014
    Publication date: August 13, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Peter John Bertanzetti, Kevin T. Cole, Carrie Anne Hanson, Elizabeth S. Votaw, Joseph Neil Johansen
  • Publication number: 20150227901
    Abstract: Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user in an online banking account. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialist with the user. The conditions may include but are not limited to locations of the user and specialists, profile information of the user and specialists, social networking contacts or information for the user and specialists, or other like account profile information for the user and specialists.
    Type: Application
    Filed: February 7, 2014
    Publication date: August 13, 2015
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Peter John Bertanzetti, Kevin T. Cole, Carrie Anne Hanson, Elizabeth S. Votaw, Joseph Neil Johansen
  • Publication number: 20120036202
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: January 31, 2011
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Kristin E. Boyce, Rachel Field, David Scott Knapp
  • Publication number: 20120036205
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: January 31, 2011
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Kevin T. Cole
  • Publication number: 20120036201
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: January 31, 2011
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, David Scott Knapp
  • Publication number: 20120036207
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: January 31, 2011
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, David Scott Knapp
  • Publication number: 20120036454
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: January 31, 2011
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Kristin E. Boyce, Rachel Field, David S. Knapp
  • Publication number: 20120036200
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: October 29, 2010
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Kristin Erica Boyce, Rachel Field, David Scott Knapp, Peter James Wagener
  • Publication number: 20120036204
    Abstract: A social media engagement system is configured for aggregating a plurality of messages originating from a plurality of social media networks, routing each of the plurality of messages based on predetermined workflow rules into a plurality of queues wherein the queues are categorized based at least in part on types of messages, providing the queues for further processing, thereby resulting in one or more responses, and outputting the one or more responses to one or more of the plurality of social media networks. In some embodiments, the system is further configured for reviewing the data to determine whether any of the data indicates an engagement opportunity and associating some or all the data with a contact record and/or an existing case and/or a new case. In some embodiments, the system tracks influence, and in some embodiments, a console provides vision into various information provided by the system.
    Type: Application
    Filed: January 31, 2011
    Publication date: February 9, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Kevin T. Cole