Patents by Inventor Matthew Joseph Wallace

Matthew Joseph Wallace 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: 11310230
    Abstract: Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.
    Type: Grant
    Filed: January 27, 2020
    Date of Patent: April 19, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Patent number: 10922930
    Abstract: Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.
    Type: Grant
    Filed: December 23, 2019
    Date of Patent: February 16, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, Jr., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Publication number: 20200162457
    Abstract: Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.
    Type: Application
    Filed: January 27, 2020
    Publication date: May 21, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Publication number: 20200134984
    Abstract: Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.
    Type: Application
    Filed: December 23, 2019
    Publication date: April 30, 2020
    Applicant: Bank of America Corporation
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, JR., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Patent number: 10574650
    Abstract: Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.
    Type: Grant
    Filed: May 17, 2017
    Date of Patent: February 25, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Patent number: 10515518
    Abstract: Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.
    Type: Grant
    Filed: May 18, 2017
    Date of Patent: December 24, 2019
    Assignee: Bank of America Corporation
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, Jr., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Patent number: 10387632
    Abstract: Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.
    Type: Grant
    Filed: May 17, 2017
    Date of Patent: August 20, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Publication number: 20180336326
    Abstract: Systems, computer products, and methods are described herein for electronic authentication with bot detection and denial. In this way, the system utilizes user device information to discern an authorization or authentication is being requested by a human as part of either an authentication process or authorization process. As such, the system identifies that the user is a human and not a bot or other device attempting to gain authorization. In some embodiments, the system links to a user device and in one or more embodiments reviews live video in the form of a real-time video stream, requires human movement of a user device, identifies device irregularities, and/or device networking interactions to prove the request for authorization is a human request.
    Type: Application
    Filed: May 17, 2017
    Publication date: November 22, 2018
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Michael Lee Funk, Jeantou Alphonse DeGrammont, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Publication number: 20180337925
    Abstract: Embodiments of the present invention provide a system for authorizing one or more actions using a random token. The system is typically configured for identifying initiation of a first action by a user via a user application located on a mobile device of the user, recording a time stamp and one or more parameters associated with the mobile device, generating a first random token and associating the generated first random token with the first action, transferring the first random token and associating the generated first random token with a virtual credential, receiving a request from an entity system to authorize the use of the first random token for completing the first action, and authorizing the use of the first random token with the virtual credential for completing the first action.
    Type: Application
    Filed: May 17, 2017
    Publication date: November 22, 2018
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Publication number: 20180336327
    Abstract: Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.
    Type: Application
    Filed: May 17, 2017
    Publication date: November 22, 2018
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon
  • Publication number: 20180336536
    Abstract: A system for tracking tangible resource items as they are outputted and/or inputted at resource transfer events. In specific implementations the resource items are tracked while the resource transfer events is occurring, such that, the user can confirm the resource transfer event or otherwise be notified of other resource options prior to the completion of the resource transfer event. In addition the tracking of the input and output of the tangible resource items provides for a user's transfer event ledger to reflect use of tangible resource items at resource transfer events.
    Type: Application
    Filed: May 18, 2017
    Publication date: November 22, 2018
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, JR., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Publication number: 20180336538
    Abstract: A system for processing tangible resources comprises a network communication interface and a memory device storing a resource deposit application. A processing device is operatively coupled to the memory device to execute computer-readable program code to: receive a request to process a tangible resource from a user; receive an image including identifiable information of the tangible resource; determine the validity of the request; and, upon determination that the request is valid, process the tangible resource without having physical custody of the tangible resource. The system also may include a user device including a network communication interface and a memory device storing a resource processing application. A processing device is operatively coupled to the memory device to execute computer-readable program code to: log into the tangible resource transfer processing system; transmit the request to process a tangible resource to a system; and transmit the image.
    Type: Application
    Filed: May 18, 2017
    Publication date: November 22, 2018
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, JR., Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Publication number: 20180336555
    Abstract: A system for identifying unauthorized resource transfer events and/or unauthorized tangible resource items at resource transfer events. The unauthorized resource transfer events and/or tangible resource items may be identified while the resource transfer event is occurring (e.g., in real-time); thereby, allowing for the prevention of the completion of the event or other actions, such as deactivating the node, sequestering the resource items, and/or reconfiguring the security protocol.
    Type: Application
    Filed: May 18, 2017
    Publication date: November 22, 2018
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, JR., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Publication number: 20180336766
    Abstract: Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.
    Type: Application
    Filed: May 18, 2017
    Publication date: November 22, 2018
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, JR., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Publication number: 20180336508
    Abstract: Embodiments of the present invention provide a system for providing techniques, computer networks, and monitoring systems for managing and operating a nodal resource grid system in which resource notes are received, dispensed, and transferred throughout the nodal network. The nodal network may include or comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for unique identifiers as they are received and/or dispensed at the nodes in real-time. These unique identifiers allow the system to track individual resource notes as they progress through the nodal network. The information about resource notes at each node can be recorded and stored in real-time, and information about the health of the network can be provided as visual representations to computing devices of a managing user.
    Type: Application
    Filed: May 18, 2017
    Publication date: November 22, 2018
    Inventors: Kerry Michelle Cantley, David Joseph Koval, Kristy Lynn Monk, Keith Dion Owes, Brett C. Carter, James Wayland Pierce, JR., John Zemaitis, Kim Leah Bunn, Sherri Sullivan, Matthew Joseph Wallace, Veronica Smith
  • Publication number: 20180337917
    Abstract: Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.
    Type: Application
    Filed: May 17, 2017
    Publication date: November 22, 2018
    Inventors: Matthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon