Patents by Inventor Michael T. Duke

Michael T. Duke 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: 9990814
    Abstract: An electronic computing device includes a processing unit and system memory. The system memory includes instructions which, when executed by the processing unit, cause the electronic computing device to monitor audio from a conversation. One or more keywords are identified from the audio. A context of the conversation is identified from the audio. One or more alerts are displayed on a display screen of the electronic computing device. Each of the one or more alerts corresponds to the context of the conversation. Each of the one or more alerts corresponds to a notification to be communicated to an individual. One of the notifications is obtained. The notification is displayed on the display screen of the electronic computing device.
    Type: Grant
    Filed: January 6, 2016
    Date of Patent: June 5, 2018
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Kourtney Eidam, Michael T. Duke
  • Publication number: 20140310180
    Abstract: Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
    Type: Application
    Filed: June 27, 2014
    Publication date: October 16, 2014
    Applicant: WELLS FARGO BANK, N.A.
    Inventors: Martin Davis, Michael T. Duke
  • Publication number: 20100161478
    Abstract: A computer payment banking system comprising a bank or financial institution, a sourced bank account, a sourced bank account holder, and a merchant. The bank or financial institution uses monetary funds from the sourced bank account to pay the merchant. The system is directed to processing of an online web-based purchase associated with the sourced bank account or holder. The system is directed to processing purchases made using a credit or debit instrument associated with the sourced bank account. A source of monetary funds for the sourced bank account includes, but is not limited to, a checking account, credit or debit instrument, online banking account, bank or non-bank line of credit, loan, financial account, and a combination thereof. Online access to rewards, financial reports, budget tools, or spending information of the sourced bank account holder may be provided by the bank or financial institution to the sourced bank account holder.
    Type: Application
    Filed: December 18, 2008
    Publication date: June 24, 2010
    Applicant: Wachovia Corporation
    Inventors: Ross M. Cavanaugh, Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20100114748
    Abstract: A networked computer system for communicating with a user about spending associated with a payment account of the user. The system comprises a user, a payment account of the user, a web interface for communicating with the user, and a predictive advisor system. The predictive advisor system comprises a predictive advisor engine for monitoring spending activity related to the payment account and for providing financial and savings advice to the user via the web interface.
    Type: Application
    Filed: November 10, 2008
    Publication date: May 6, 2010
    Applicant: Wachovia Corporation
    Inventors: Michael T. Duke, Leigh Ferrante
  • Publication number: 20100114768
    Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.
    Type: Application
    Filed: December 18, 2008
    Publication date: May 6, 2010
    Applicant: Wachovia Corporation
    Inventors: Michael T. Duke, Dean Patrick Nolan
  • Publication number: 20100106550
    Abstract: An activity assignment system is provided which establishes a ‘win-win’ environment benefiting both an employer as well as an employee. Generally, the innovation promotes professional development by providing mechanisms to promote volunteer opportunities within business units of an organization. By enabling employees to bid on intra- and inter-unit opportunities, these mechanisms promote cross-training and personal development.
    Type: Application
    Filed: October 23, 2008
    Publication date: April 29, 2010
    Applicant: WACHOVIA CORPORATION
    Inventor: Michael T. Duke