Patents by Inventor Michael Jacob Richardson
Michael Jacob Richardson 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).
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Patent number: 11935055Abstract: An Automated Teller Machine (ATM) terminal receives a transaction request from a user. The ATM terminal triggers a camera to capture a first image of the authentication media item presented by the user, where the first image of the authentication media item is embedded with a first unique code. The ATM terminal compares the first image of the authentication media item with a second image of the authentication media item that is associated with the user, where the second image of the authentication media item is embedded with a second unique code for verifying the user. The ATM terminal determines whether the first unique code corresponds to the second unique code. The ATM terminal conducts the transaction request if it is determined that the first unique code corresponds to the second unique code.Type: GrantFiled: March 22, 2021Date of Patent: March 19, 2024Assignee: Bank of America CorporationInventors: Srilekha Mudumbai Srinivasa, Brandon Sloane, Jinyoung Nathan Kim, Regina Yee Cadavid, Nia Mack, Ramkumar Korlepara, Elliott Leonard Lillard, Philip Lone Mintac, Michael Jacob Richardson, Gloria Youngsook Joo
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Patent number: 11893091Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of technical and non-technical data to validate instances of permitted use of such brand elements and generate alerts for instances of non-permitted use of such brand elements. The system provides a single portal view for upload of relevant data and transmission of analysis results. The invention utilizes a permissioned distributed register database architecture for the secure storage and tokenization of brand elements and retrieval of validation and ownership information. The invention further includes the capability to recommend and automate remedial measures to prevent continued unauthorized use of brand elements.Type: GrantFiled: April 26, 2021Date of Patent: February 6, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Elliott Leonard Lillard, Regina Yee Cadavid, Gloria Youngsook Joo, Jinyoung Nathan Kim, Ramkumar Korlepara, Nia Mack, Philip Lone Mintac, Srilekha Mudumbai Srinivasa, Michael Jacob Richardson, Brandon Sloane
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Publication number: 20230353577Abstract: Embodiments of the present invention provide a system for authorizing entity users based on augmented reality and LiDAR technology. In particular, the system may be configured to receive a unique identifier from a user device of the user, where the unique identifier is scanned using LiDAR technology present in the user device of the user, determine location of the user based on the unique identifier, determine an entity device associated with the unique identifier and location of the user, perform authentication of the user using at least one authentication method, determine that the authentication is successful, and in response to determining that the authentication is successful, provide access to an entity device.Type: ApplicationFiled: July 12, 2023Publication date: November 2, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Elliott Leonard Lillard, Regina Yee Cadavid, Gloria Youngsook Joo, Jinyoung Nathan Kim, Ramkumar Korlepara, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Brandon Sloane, Srilekha Mudumbai Srinivasa
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Patent number: 11757893Abstract: Embodiments of the present invention provide a system for authorizing entity users based on augmented reality and LiDAR technology. In particular, the system may be configured to determine that a user has accessed an entity application provided by an entity via a user device, receive a unique identifier from the user device of the user, via the entity application, where the unique identifier is scanned using LiDAR technology present in the user device of the user, determine location of the user based on the unique identifier, determine an entity device associated with the unique identifier and location of the user, perform authentication of the user using at least one authentication method, determine that the authentication is successful, and in response to determining that the authentication is successful, provide access to an entity device.Type: GrantFiled: March 11, 2021Date of Patent: September 12, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Elliott Leonard Lillard, Regina Yee Cadavid, Gloria Youngsook Joo, Jinyoung Nathan Kim, Ramkumar Korlepara, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Brandon Sloane, Srilekha Mudumbai Srinivasa
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Patent number: 11722518Abstract: Embodiments of the present invention provide a system for providing enhanced cryptography based response mechanism for malicious attacks. The system is configured for generating one or more tracker seeds, storing the one or more tracker seeds in at least one entity system associated with an entity, identifying a malicious event associated with data in the at least one entity system, in response to identifying the malicious event, identifying an encryption algorithm and a key for the malicious event based on the one or more tracker seeds, and decrypting the data in the at least one entity system based on the encryption algorithm key pair.Type: GrantFiled: December 20, 2022Date of Patent: August 8, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Brandon Sloane, Regina Yee Cadavid, Gloria Joo, Jinyoung Nathan Kim, Ram Korlepara, Elliott Leonard Lillard, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Srilekha Mudumbai Srinivasa
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Publication number: 20230121310Abstract: Embodiments of the present invention provide a system for providing enhanced cryptography based response mechanism for malicious attacks. The system is configured for generating one or more tracker seeds, storing the one or more tracker seeds in at least one entity system associated with an entity, identifying a malicious event associated with data in the at least one entity system, in response to identifying the malicious event, identifying an encryption algorithm and a key for the malicious event based on the one or more tracker seeds, and decrypting the data in the at least one entity system based on the encryption algorithm key pair.Type: ApplicationFiled: December 20, 2022Publication date: April 20, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Brandon Sloane, Regina Yee Cadavid, Gloria Joo, Jinyoung Nathan Kim, Ram Korlepara, Elliott Leonard Lillard, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Srilekha Mudumbai Srinivasa
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Patent number: 11593807Abstract: A system for verifying a user operating an Automated Teller Machine (ATM) sends an authentication media item to a user device associated with the user when the ATM receives a transaction request. The system receives, from the ATM, a first image of the authentication media item when the authentication media item is presented to the ATM. The system compares the first image of the authentication media item with a second image of the authentication media item stored in a user profile associated with the user. The system extracts a first unique code from the first image of the authentication media item, and a second unique code from the second image of the authentication media item. The system determines whether the first unique code corresponds to the second unique code. The system approves the transaction request if it is determined that the first unique code corresponds to the second unique code.Type: GrantFiled: March 22, 2021Date of Patent: February 28, 2023Assignee: Bank of America CorporationInventors: Srilekha Mudumbai Srinivasa, Brandon Sloane, Jinyoung Nathan Kim, Regina Yee Cadavid, Nia Mack, Ramkumar Korlepara, Elliott Leonard Lillard, Philip Lone Mintac, Michael Jacob Richardson, Gloria Youngsook Joo
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Patent number: 11588849Abstract: Embodiments of the present invention provide a system for providing enhanced cryptography based response mechanism for malicious attacks. The system is configured for generating one or more tracker seeds, storing the one or more tracker seeds in at least one entity system associated with an entity, identifying a malicious event associated with data in the at least one entity system, in response to identifying the malicious event, identifying an encryption algorithm key pair for the malicious event based on the one or more tracker seeds, and decrypting the data in the at least one entity system based on the encryption algorithm key pair.Type: GrantFiled: January 27, 2021Date of Patent: February 21, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Brandon Sloane, Regina Yee Cadavid, Gloria Joo, Jinyoung Nathan Kim, Ram Korlepara, Elliott Leonard Lillard, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Srilekha Mudumbai Srinivasa
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Publication number: 20220342958Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of technical and non-technical data to validate instances of permitted use of such brand elements and generate alerts for instances of non-permitted use of such brand elements. The system provides a single portal view for upload of relevant data and transmission of analysis results. The invention utilizes a permissioned distributed register database architecture for the secure storage and tokenization of brand elements and retrieval of validation and ownership information. The invention further includes the capability to recommend and automate remedial measures to prevent continued unauthorized use of brand elements.Type: ApplicationFiled: April 26, 2021Publication date: October 27, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Elliott Leonard Lillard, Regina Yee Cadavid, Gloria Youngsook Joo, Jinyoung Nathan Kim, Ramkumar Korlepara, Nia Mack, Philip Lone Mintac, Srilekha Mudumbai Srinivasa, Michael Jacob Richardson, Brandon Sloane
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Publication number: 20220300979Abstract: An Automated Teller Machine (ATM) terminal receives a transaction request from a user. The ATM terminal triggers a camera to capture a first image of the authentication media item presented by the user, where the first image of the authentication media item is embedded with a first unique code. The ATM terminal compares the first image of the authentication media item with a second image of the authentication media item that is associated with the user, where the second image of the authentication media item is embedded with a second unique code for verifying the user. The ATM terminal determines whether the first unique code corresponds to the second unique code. The ATM terminal conducts the transaction request if it is determined that the first unique code corresponds to the second unique code.Type: ApplicationFiled: March 22, 2021Publication date: September 22, 2022Inventors: Srilekha Mudumbai Srinivasa, Brandon Sloane, Jinyoung Nathan Kim, Regina Yee Cadavid, Nia Mack, Ramkumar Korlepara, Elliott Leonard Lillard, Philip Lone Mintac, Michael Jacob Richardson, Gloria Youngsook Joo
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Publication number: 20220300970Abstract: A system for verifying a user operating an Automated Teller Machine (ATM) sends an authentication media item to a user device associated with the user when the ATM receives a transaction request. The system receives, from the ATM, a first image of the authentication media item when the authentication media item is presented to the ATM. The system compares the first image of the authentication media item with a second image of the authentication media item stored in a user profile associated with the user. The system extracts a first unique code from the first image of the authentication media item, and a second unique code from the second image of the authentication media item. The system determines whether the first unique code corresponds to the second unique code. The system approves the transaction request if it is determined that the first unique code corresponds to the second unique code.Type: ApplicationFiled: March 22, 2021Publication date: September 22, 2022Inventors: Srilekha Mudumbai Srinivasa, Brandon Sloane, Jinyoung Nathan Kim, Regina Yee Cadavid, Nia Mack, Ramkumar Korlepara, Elliott Leonard Lillard, Philip Lone Mintac, Michael Jacob Richardson, Gloria Youngsook Joo
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Publication number: 20220300924Abstract: A system for verifying a user operating an Automated Teller Machine (ATM) receives a first image of the user from the ATM, captured by a camera associated with the ATM, when the ATM receives a transaction request. The system compares the first image of the user with a second image of the user stored in a user profile associated with the user. The system compares the first image of the user with the second image of the user. The system determines whether the first image of the user corresponds to the second image of the user. The system approves the transaction request if it is determined that the first image of the user corresponds to the second image of the user.Type: ApplicationFiled: March 22, 2021Publication date: September 22, 2022Inventors: Srilekha Mudumbai Srinivasa, Brandon Sloane, Jinyoung Nathan Kim, Regina Yee Cadavid, Nia Mack, Ramkumar Korlepara, Elliott Leonard Lillard, Philip Lone Mintac, Michael Jacob Richardson, Gloria Youngsook Joo
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Publication number: 20220294793Abstract: Embodiments of the present invention provide a system for authorizing entity users based on augmented reality and LiDAR technology. In particular, the system may be configured to determine that a user has accessed an entity application provided by an entity via a user device, receive a unique identifier from the user device of the user, via the entity application, where the unique identifier is scanned using LiDAR technology present in the user device of the user, determine location of the user based on the unique identifier, determine an entity device associated with the unique identifier and location of the user, perform authentication of the user using at least one authentication method, determine that the authentication is successful, and in response to determining that the authentication is successful, provide access to an entity device.Type: ApplicationFiled: March 11, 2021Publication date: September 15, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Elliott Leonard Lillard, Regina Yee Cadavid, Gloria Youngsook Joo, Jinyoung Nathan Kim, Ramkumar Korlepara, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Brandon Sloane, Srilekha Mudumbai Srinivasa
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Publication number: 20220245651Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of technical and non-technical data to identify and categorize use of entity brand elements as authorized or unauthorized. The system provides a single portal view of aggregated information and usage information for brand elements of the entity. The invention further includes the capability to recommend and automate remedial measures to prevent continued unauthorized use of brand elements.Type: ApplicationFiled: February 2, 2021Publication date: August 4, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Elliott Leonard Lillard, Regina Yee Cadavid, Gloria Youngsook Joo, Jinyoung Nathan Kim, Ram Korlepara, Nia Mack, Philip Lone Mintac, Srilekha Mudumbai Srinivasa, Michael Jacob Richardson, Brandon Sloane
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Publication number: 20220239669Abstract: Embodiments of the present invention provide a system for providing enhanced cryptography based response mechanism for malicious attacks. The system is configured for generating one or more tracker seeds, storing the one or more tracker seeds in at least one entity system associated with an entity, identifying a malicious event associated with data in the at least one entity system, in response to identifying the malicious event, identifying an encryption algorithm and a key for the malicious event based on the one or more tracker seeds, and decrypting the data in the at least one entity system based on the encryption algorithm the key.Type: ApplicationFiled: January 27, 2021Publication date: July 28, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Brandon Sloane, Regina Yee Cadavid, Gloria Joo, Jinyoung Nathan Kim, Ram Korlepara, Elliott Leonard Lillard, Nia Mack, Philip Lone Mintac, Michael Jacob Richardson, Srilekha Mudumbai Srinivasa
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Patent number: 10826929Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for vulnerability assessment and hash generation for exterior data deployment. In this way, the system utilizes a vulnerability assessment to generate a permit to send approval for dissemination of data, files, or the like outside of the entity via an electronic communication. The vulnerability assessment determines a permit to send status for the communication. The system may then generate a hash for the communication and embed the hash within the data of the communication. Upon sending, the entity will only permit communications with a known hash embedded therein from being transmitted outside of the internal entity network.Type: GrantFiled: December 1, 2017Date of Patent: November 3, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: William R. Overhultz, Jr., Michael Jacob Richardson
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Patent number: 10812502Abstract: Embodiments of the present invention provide a system for network device owner identification and communication triggering. In particular, the system may monitor a plurality of systems of record associated with network of devices and/or individual network components. A primary user for each of these network components is identified, either through a known association in the systems of record or from analysis of records of network traffic associated with each network component. The primary user is recorded for each network component. In the event a vulnerability of a network component is identified, information about the network vulnerability is identified, aggregated with other information about the network component and potential remediation procedures, and compiled as a vulnerability notification. In response to the vulnerability, the system is automatically triggered to transmit the vulnerability notification to the primary user.Type: GrantFiled: February 6, 2018Date of Patent: October 20, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Julia A. Ward, Michael Jacob Richardson, Mackenzie Smith Durnovich, Scott Brow, Jessica Kay Aleshire
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Publication number: 20190245871Abstract: Embodiments of the present invention provide a system for network device owner identification and communication triggering. In particular, the system may monitor a plurality of systems of record associated with network of devices and/or individual network components. A primary user for each of these network components is identified, either through a known association in the systems of record or from analysis of records of network traffic associated with each network component. The primary user is recorded for each network component. In the event a vulnerability of a network component is identified, information about the network vulnerability is identified, aggregated with other information about the network component and potential remediation procedures, and compiled as a vulnerability notification. In response to the vulnerability, the system is automatically triggered to transmit the vulnerability notification to the primary user.Type: ApplicationFiled: February 6, 2018Publication date: August 8, 2019Inventors: Julia A. Ward, Michael Jacob Richardson, Mackenzie Smith Durnovich, Scott Brow, Jessica Kay Aleshire
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Publication number: 20190173906Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for vulnerability assessment and hash generation for exterior data deployment. In this way, the system utilizes a vulnerability assessment to generate a permit to send approval for dissemination of data, files, or the like outside of the entity via an electronic communication. The vulnerability assessment determines a permit to send status for the communication. The system may then generate a hash for the communication and embed the hash within the data of the communication. Upon sending, the entity will only permit communications with a known hash embedded therein from being transmitted outside of the internal entity network.Type: ApplicationFiled: December 1, 2017Publication date: June 6, 2019Inventors: William R. Overhultz, Jr., Michael Jacob Richardson