Patents by Inventor Melissa Christine Derville Hart

Melissa Christine Derville Hart 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).

  • Publication number: 20240078624
    Abstract: Systems, computer program products, and methods are described herein for generating and training a module selection engine for distribution allocation in a network environment. The present invention is configured to receive a subordinate user account identifier associated with a subordinate user account; determine a supervisor user account identifier associated with the subordinate user account identifier; apply a module selection engine to the subordinate user account identifier, wherein the module selection engine determines a plurality of modules to present to the subordinate user based on the subordinate user account identifier; generate, by the module selection engine, a plurality of module interface components; transmit the plurality of module interface components to a user device associated with the subordinate user account; and determine a plurality of module completion statuses for each module of the plurality of module interface components.
    Type: Application
    Filed: September 2, 2022
    Publication date: March 7, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Karen Lea MacQueen, Melissa Christine Derville Hart, Katherine Kei-Zen Dintenfass
  • Publication number: 20240078328
    Abstract: A system is provided for controlling resources using parallel computing devices. In particular, the system may comprise one or more applications installed across one or more computing devices, where the one or more applications may be configured to control resource transfers. Certain applications may be configured such that one application, such as a primary application, may implement one or more controls or restrictions on resource transfers that may be executed by another application, or a secondary application. The primary application may further be configured to monitor the secondary application to retrieve various types of data from the secondary application, such as resource transfer metrics data. The system may be configured to, based on the data associated with the secondary application, generate one or more resource-related projections with respect to the secondary application. In this way, the system provides an efficient way to control resource transfers across parallel computing devices.
    Type: Application
    Filed: September 2, 2022
    Publication date: March 7, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Katherine Kei-Zen Dintenfass, Sandra Ann Breece, Karen Lea MacQueen, Melissa Christine Derville Hart, Robert Nyeland Huggins
  • Publication number: 20150006340
    Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a payment transparency tool that enables users (e.g., employees and/or customers) to identify the rules for payment assessments, the reasons that specific payments were assessed on customer accounts, and the criteria for avoiding future payments. The payment transparency tool compiles and analyzes payment assessment data for various customer accounts, identifies customer account information for the accounts, and creates customized views for users to present clear explanations and data to address payment assessment questions. In some embodiments multiple payments assessed on multiple customer accounts may be presented to a user in an interface through a consolidated payment assessment list. Within an interface a user can view data related to the date a payment was assessed, the type of payment, the payment amount, payment rules, customer-specific reasons for the payment assessment, and avoidance rules.
    Type: Application
    Filed: July 1, 2013
    Publication date: January 1, 2015
    Inventors: Gregory Joseph Lloyd, Melissa Christine Derville Hart, Amy Marson Fistner, Paula Christine Hanson, Joseph Neil Johansen, Traci Leigh Johnston Plyler, Preston J. Taylor
  • Publication number: 20130110668
    Abstract: A method, apparatus, computer-readable medium and system are disclosed for presenting product and service offerings to a user. In some embodiments, dynamic messaging may be used to facilitate comparison shopping, allowing a user to select a product or service that best meets the user's needs. In some embodiments, the terms or conditions associated with an offer may be based on a user's relationship with the product or service provider. For example, accounts that the user has with the provider may be analyzed to determine what terms or conditions the user is eligible for. The accounts may be linked to one another, optionally upon the request of the user, to facilitate the analysis. In some embodiments, the product or service offerings may be associated with a financial institution, such as a bank. Suggested or recommended terms and conditions may be dynamically updated as a user progresses through an application process.
    Type: Application
    Filed: January 27, 2012
    Publication date: May 2, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Melissa Christine Derville Hart, Katherine Kei-Zen Dintenfass, James Arthur Blanchard, Kim Elizabeth Childress, Joseph Neil Johansen, Preston J. Taylor, Anh Aragon Mooney, Lisa L. Bogart, Kevin Clark May