Patents by Inventor Richard M. Korzenko

Richard M. Korzenko 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: 11068287
    Abstract: Embodiments of the present invention provide a system for real-time generation of tailored recommendations associated with client interactions. The system is configured to identify an interaction associated with an associate, extract information of a user associated with the interaction, transfer the extracted information to an associate device, transmit first set of control signals to the associate device, wherein the first set of control signals cause a graphical user interface of the associate device to display the extracted information to the associate, identify a type of the interaction, generate topics associated with the interaction based on the type of the interaction, transfer the topics to the associate device, and transmit a second set of control signals to the associate device, wherein the second set of control signals cause the graphical user interface of the associate device to display the one or more topics to the associate.
    Type: Grant
    Filed: March 5, 2019
    Date of Patent: July 20, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Malini Petersen, Robert J. Graulich, Richard M. Korzenko, Shola L. Oni, Courtney Lee Prior, Stephen Thomas Shannon, Lea Marie Souther
  • Patent number: 10999387
    Abstract: A system for communication channel integration is provided. The system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and at least one processing device, wherein the at least one processing device is configured to execute the computer-readable program code to: generate a user data collection comprising one or more accounts and interactions associated with a first user, wherein the user data collection is accessible by the first user over a first communication channel; monitor the user data collection; based on monitoring the user data collection and user interactions, determine an actionable event associated with the first user; identify a second communication channel associated with a second user and associated with the actionable event; and in response to determining the actionable event, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel.
    Type: Grant
    Filed: July 2, 2020
    Date of Patent: May 4, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20200336558
    Abstract: A system for communication channel integration is provided. The system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and at least one processing device, wherein the at least one processing device is configured to execute the computer-readable program code to: generate a user data collection comprising one or more accounts and interactions associated with a first user, wherein the user data collection is accessible by the first user over a first communication channel; monitor the user data collection; based on monitoring the user data collection and user interactions, determine an actionable event associated with the first user; identify a second communication channel associated with a second user and associated with the actionable event; and in response to determining the actionable event, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel.
    Type: Application
    Filed: July 2, 2020
    Publication date: October 22, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20200285490
    Abstract: Embodiments of the present invention provide a system for real-time generation of tailored recommendations associated with client interactions. The system is configured to identify an interaction associated with an associate, extract information of a user associated with the interaction, transfer the extracted information to an associate device, transmit first set of control signals to the associate device, wherein the first set of control signals cause a graphical user interface of the associate device to display the extracted information to the associate, identify a type of the interaction, generate topics associated with the interaction based on the type of the interaction, transfer the topics to the associate device, and transmit a second set of control signals to the associate device, wherein the second set of control signals cause the graphical user interface of the associate device to display the one or more topics to the associate.
    Type: Application
    Filed: March 5, 2019
    Publication date: September 10, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Malini Petersen, Robert J. Graulich, Richard M. Korzenko, Shola L. Oni, Courtney Lee Prior, Stephen Thomas Shannon, Lea Marie Souther
  • Publication number: 20200285491
    Abstract: Embodiments of the present invention provide a system for prioritization of tailored recommendations associated with client recommendations. The system is configured to identify an interaction associated with an associate, extract information of a user associated with the interaction, transfer the extracted information to an associate device, transmit first set of control signals to the associate device, wherein the first set of control signals cause a graphical user interface of the associate device to display the extracted information to the associate, identify a type of the interaction, generate topics associated with the interaction based on the type of the interaction, transfer the topics to the associate device, and transmit a second set of control signals to the associate device, wherein the second set of control signals cause the graphical user interface of the associate device to display the one or more topics to the associate.
    Type: Application
    Filed: March 5, 2019
    Publication date: September 10, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Malini Petersen, Robert J. Graulich, Richard M. Korzenko, Shola L. Oni, Courtney Lee Prior, Stephen Thomas Shannon, Lea Marie Souther
  • Patent number: 10708372
    Abstract: A system, computer program product, and computer-implemented method for communication channel integration are provided. The system is configured to generate a user profile comprising one or more accounts and interactions associated with a user, wherein the user profile is accessible by the user over a first communication channel in an interface of a user application; monitor the user profile; based on monitoring the user profile and user interactions, determine an actionable event associated with the user; identify a second communication channel associated with the actionable event; and in response to determining the actionable event and identifying the second communication channel, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel in the interface of the user application.
    Type: Grant
    Filed: March 14, 2019
    Date of Patent: July 7, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20200177689
    Abstract: A system, computer program product, and computer-implemented method for communication channel integration are provided. The system is configured to generate a user profile comprising one or more accounts and interactions associated with a user, wherein the user profile is accessible by the user over a first communication channel in an interface of a user application; monitor the user profile; based on monitoring the user profile and user interactions, determine an actionable event associated with the user; identify a second communication channel associated with the actionable event; and in response to determining the actionable event and identifying the second communication channel, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel in the interface of the user application.
    Type: Application
    Filed: March 14, 2019
    Publication date: June 4, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: John Allen Sellers, Jill A. Calabrese Bain, Allison Mensing Corbett, Victoria Lynn Dravneek, Christine Lee Fitzgerald, Mazen Ghurani, Brian J. Kehner, James P. Kirkman, Richard M. Korzenko, James P. Massman, Matthew Brian Wohl
  • Publication number: 20140172536
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for alternative means for rewards distribution in a purchase offer and rewards program, such as a cash-back merchant offer program implemented by a financial institution. In present embodiments of the invention, rewards distribution is not limited to accounts held at the entity implementing the purchase offer and rewards program, but rather, rewards may be applied to accounts that are external from the entity implementing the purchase offer and rewards program. Further, rewards distribution is not limited to accounts held by the customer, but rather, rewards may be applied to accounts, both internal and/or external, held by individuals or entities other than the customer. In addition, rewards distribution may provide for the rewards to be applied to an account associated with a pre-paid credit card or the like.
    Type: Application
    Filed: December 13, 2012
    Publication date: June 19, 2014
    Applicant: Bank of America Corporation
    Inventors: Richard M. Korzenko, Matthew Laine Donlan, Ilich Martinez
  • Publication number: 20140172528
    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for managing the distribution of rewards in a purchase offer and reward program. Specifically, embodiments of the present invention provide for applying a monetary reward to a designated account that is only available to the customer in the future based on occurrence of a triggering event. In specific embodiments of the invention, the triggering event may be a future date or an account amount threshold, such that when the date occurs or when the threshold amount is accumulated in the account, the account becomes accessible to the customer. Moreover, the account may be any type of account, such as a savings account or the like. In specific embodiments, the account is associated with a pre-paid credit card or a similar product, such that once the triggering event occurs the pre-paid credit card is issued to the customer.
    Type: Application
    Filed: December 13, 2012
    Publication date: June 19, 2014
    Applicant: Bank of America Corporation
    Inventors: Richard M. Korzenko, Matthew Laine Donlan, Ilich Martinez
  • Publication number: 20070168868
    Abstract: A presentation is generated, and spreadsheets objects are embedded therein. The presentation may be customized prior to downloading. Mark-up language technology may be used in connection with the integration of spreadsheet and presentation technologies.
    Type: Application
    Filed: January 12, 2007
    Publication date: July 19, 2007
    Applicant: LEHMAN BROTHERS INC.
    Inventors: Richard M. Korzenko, Johnny J. Wong, Elie Majdalani