Patents by Inventor Margaret Winston

Margaret Winston 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).

  • Persistent integration platform for multi-channel resource transfers
    Patent number: 10992593
    Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. For instance, the resource transfer process may be started on a first computing system, which may be a stationary networked terminal. At this point, a record of the resource transfer may be created within the persistent element. The user may thereafter access the persistent element through a second computing system, such as a user device, to resume the resource transfer and complete the remaining steps as necessary.
    Type: Grant
    Filed: October 5, 2018
    Date of Patent: April 27, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Brent David Reston, Margaret Winston, Kevin Clark May, Jeremiah Fairbairn Williams, Ryan Michael Furey, Michelle Nanette Downie
  • Multi-level authentication system with persistent integration platform
    Patent number: 10826890
    Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.
    Type: Grant
    Filed: October 5, 2018
    Date of Patent: November 3, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Brent David Reston, Margaret Winston, Kevin Clark May, Jeremiah Fairbairn Williams, Ryan Michael Furey, Michelle Nanette Downie, Charles R. Liu
  • PERSISTENT INTEGRATION PLATFORM FOR MULTI-CHANNEL RESOURCE TRANSFERS
    Publication number: 20190140970
    Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. For instance, the resource transfer process may be started on a first computing system, which may be a stationary networked terminal. At this point, a record of the resource transfer may be created within the persistent element. The user may thereafter access the persistent element through a second computing system, such as a user device, to resume the resource transfer and complete the remaining steps as necessary.
    Type: Application
    Filed: October 5, 2018
    Publication date: May 9, 2019
    Applicant: Bank of America Corporation
    Inventors: Brent David Reston, Margaret Winston, Kevin Clark May, Jeremiah Fairbairn Williams, Ryan Michael Furey, Michelle Nanette Downie
  • MULTI-LEVEL AUTHENTICATION SYSTEM WITH PERSISTENT INTEGRATION PLATFORM
    Publication number: 20190109839
    Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.
    Type: Application
    Filed: October 5, 2018
    Publication date: April 11, 2019
    Applicant: Bank of America Corporation
    Inventors: Brent David Reston, Margaret Winston, Kevin Clark May, Jeremiah Fairbairn Williams, Ryan Michael Furey, Michelle Nanette Downie, Charles R. Liu