Patents by Inventor Ross Matthew Feldman

Ross Matthew Feldman 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).

  • Service for exceeding account thresholds via transaction machine
    Patent number: 9595035
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 14, 2017
    Assignee: Bank of America Corporation
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
  • Service for exceeding account thresholds via mobile device
    Patent number: 9595036
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 14, 2017
    Assignee: Bank of America Corporation
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
  • OVERAGE SERVICE SUBJECT TO CONDITION
    Publication number: 20120066127
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions.
    Type: Application
    Filed: February 23, 2011
    Publication date: March 15, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
  • OVERAGE SERVICE VIA MOBILE DEVICE
    Publication number: 20120066077
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
    Type: Application
    Filed: February 23, 2011
    Publication date: March 15, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
  • OVERAGE SERVICE VIA TRANSACTION MACHINE
    Publication number: 20120066126
    Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
    Type: Application
    Filed: February 23, 2011
    Publication date: March 15, 2012
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster