Patents by Inventor Scott T. Enscoe

Scott T. Enscoe 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: 10917923
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: February 9, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20200113003
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.
    Type: Application
    Filed: December 9, 2019
    Publication date: April 9, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
  • Patent number: 10506641
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.
    Type: Grant
    Filed: January 4, 2016
    Date of Patent: December 10, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170195994
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock
  • Publication number: 20170193501
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing real-time resource tracking and allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring, change determination and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. The invention enables the determination of resource availability for usage based on ascertaining the resources required for critical tasks, at a given instance of time. Furthermore, the system generates resource transfer analysis comprising historical resource transfer patterns. Consequently, the system formulates unique resource allocation tools that are implemented, automatically in response to one or more trigger events.
    Type: Application
    Filed: January 4, 2016
    Publication date: July 6, 2017
    Inventors: Kevin T. Cole, Matthew Hsieh, Scott T. Enscoe, Caitlin Chrisman Bullock