Patents by Inventor Mark V. Krein

Mark V. Krein 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: 9741048
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: August 22, 2017
    Assignee: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20170178161
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: March 1, 2017
    Publication date: June 22, 2017
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20170178160
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: March 1, 2017
    Publication date: June 22, 2017
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Patent number: 9639897
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Grant
    Filed: May 4, 2016
    Date of Patent: May 2, 2017
    Assignee: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20160260114
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: May 4, 2016
    Publication date: September 8, 2016
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Publication number: 20160247234
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: May 4, 2016
    Publication date: August 25, 2016
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili, David Joa
  • Patent number: 9135419
    Abstract: Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
    Type: Grant
    Filed: February 1, 2010
    Date of Patent: September 15, 2015
    Assignee: Bank of America Corporation
    Inventors: Kurt D. Newman, David Joa, Debashis Ghosh, Timothy J. Bendel, Mark V. Krein
  • Publication number: 20150134565
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: November 12, 2013
    Publication date: May 14, 2015
    Applicant: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
  • Publication number: 20150134410
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: November 12, 2013
    Publication date: May 14, 2015
    Applicant: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
  • Publication number: 20150134411
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: November 12, 2013
    Publication date: May 14, 2015
    Applicant: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
  • Publication number: 20150134564
    Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.
    Type: Application
    Filed: November 12, 2013
    Publication date: May 14, 2015
    Applicant: Bank of America Corporation
    Inventors: Timothy J. Bendel, Mark V. Krein, David N. Joffe, Sandi Setiawan, William Anthony Nobili
  • Publication number: 20150134511
    Abstract: Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to a withdrawal in excess of account balance. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.
    Type: Application
    Filed: November 6, 2014
    Publication date: May 14, 2015
    Inventors: Debashis Ghosh, Kurt D. Newman, David Joa, Sundeshna Banerjee, Thayer Allison, Yanghong Shao, Mark V. Krein
  • Patent number: 8682785
    Abstract: Systems, methods, and computer program products are provided for providing a consumer with information about the balance of the consumer's credit or debit account after a transaction, such as a purchase transaction, is made using the credit or debit account. In one embodiment, the issuing bank attaches a number representing the balance of the consumer's credit or debit account and/or other information about the balance to the authorization code when authorizing a purchase transaction so that, when a vendor provides the consumer with a purchase receipt that has the authorization code on the receipt, the balance information is automatically included on the receipt with the authorization code. In this way, the consumer can keep track of spending by knowing the total balance of the consumer's credit and/or debit account and/or other balance information after each credit or debit card purchase.
    Type: Grant
    Filed: October 30, 2008
    Date of Patent: March 25, 2014
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein
  • Patent number: 8527403
    Abstract: In general, embodiments of the invention relate to systems, methods, and computer program products for predicting population migration and analyzing migration-affecting programs. For example, an apparatus is provided having a memory device with population information and a plurality of migration factors stored therein. The population information includes information about population distribution across a plurality of classifications. Each of the plurality of migration factors corresponds to a particular classification of the plurality of classifications and indicates how population members of the particular classification migrate to other classifications over a particular time period. The apparatus also includes a processor communicably coupled to the memory device and configured to use the migration factors and the population information to forecast changes in the population distribution across each of the plurality of classifications over multiple time periods.
    Type: Grant
    Filed: January 22, 2010
    Date of Patent: September 3, 2013
    Assignee: Bank of America Corporation
    Inventors: Yanghong Shao, Debashis Ghosh, Thayer S. Allison, Jr., Mark V. Krein, David Joa, Kurt D. Newman, Timothy J. Bendel, Sudeshna Banerjee
  • Patent number: 8346661
    Abstract: Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.
    Type: Grant
    Filed: March 24, 2010
    Date of Patent: January 1, 2013
    Assignee: Bank of America Corporation
    Inventors: Thayer S. Allison, Jr., Sudeshna Banerjee, Debashis Ghosh, Hemant A. Kagade, Mark V. Krein, David Joa, Kurt D. Newman
  • Patent number: 8290951
    Abstract: Techniques for bridging data from business support units, e.g., call centers and marketing operations, with a data warehouse to augment and enrich pre-existing customer information. Unstructured data is received with incomplete integration information. A data key is created from the unstructured data, and the unstructured data is integrated with the structured data in a data warehouse based on the data key. Unstructured data can assume different forms of data, including recorded audio data, facial image data, and iris image data. At least one customer identifier is extracted from the unstructured data by data mining. A data key is subsequently created from the at least one customer identifier. Incomplete integration may include partial integration information or may not include any integration information.
    Type: Grant
    Filed: July 10, 2008
    Date of Patent: October 16, 2012
    Assignee: Bank of America Corporation
    Inventors: David Joa, Debashish Ghosh, Kurt Newman, Thayer S. Allison, Jr., Elaine C. Marino, Joy M. Tarquin, Maryann Mangini, Yanghong Shao, Mark V. Krein
  • Patent number: 8200708
    Abstract: Systems and methods for making biometric data susceptible to use in locating individuals and tracking the location of individuals over time are provided. The system may involve the collection of initial biometric data, including iris scans, and corresponding identification information, the entry of such data into a database, and then the further collection of biometric data associated with locational information and entry of that data into a database correlating to the first database.
    Type: Grant
    Filed: December 29, 2008
    Date of Patent: June 12, 2012
    Assignee: Bank of America Corporation
    Inventors: Debashis Ghosh, Michael O'Hagan, David Joa, Kurt D. Newman, Thayer Allison, Sudeshna Banerjee, Mark V. Krein
  • Publication number: 20110238538
    Abstract: Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.
    Type: Application
    Filed: March 24, 2010
    Publication date: September 29, 2011
    Applicant: Bank of America Corporation
    Inventors: Thayer S. Allison, JR., Sudeshna Banerjee, Debashis Ghosh, Hemant A. Kagade, Mark V. Krein, David Joa, Kurt D. Newman
  • Publication number: 20110213690
    Abstract: Described herein are various apparatuses, methods, and computer program products for providing a carbon-footprint modeling environment that determines a consumer's carbon footprint based on the consumer's acquisition of goods and/or services, as indicated by the consumer's transaction data. For example, the carbon-footprint modeling environment collects the consumer's transaction data for a predefined period of time and identifies transaction data that indicates the consumer's acquisition of goods and/or services that, when produced and/or consumed, result in greenhouse gas emissions. According to some embodiments, the carbon-footprint modeling environment categorizes goods and/or services into, for example, the following categories: transportation, housing, food, waste, and miscellaneous.
    Type: Application
    Filed: February 26, 2010
    Publication date: September 1, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Debashis Ghosh, Sudeshna Banerjee, Mark V. Krein, Sreedevi Gummuluri, Thayer S. Allison, JR., David Joa, Kurt D. Newman, Yanghong Shao, Timothy Bendel
  • Publication number: 20110187500
    Abstract: Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.
    Type: Application
    Filed: February 1, 2010
    Publication date: August 4, 2011
    Applicant: Bank of America Corporation
    Inventors: Kurt D. Newman, David Joa, Debashis Ghosh, Timothy J. Bendel, Mark V. Krein