Patents by Inventor Stephen Jack Williams

Stephen Jack Williams 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).

  • Publication number: 20250335575
    Abstract: Embodiments of the present invention provide a system for identifying and redirecting incoming unauthorized data access requests. The system is configured for continuously monitoring one or more incoming data access requests from one or more sources, identifying that a data access request of the one or more incoming data access requests is an unauthorized request, redirecting the data access request to a controlled environment, performing one or more actions in the controlled environment to capture one or more interactions associated with the data access request within the controlled environment, and automatically generating one or more controls to secure a real-time environment based on the one or more interactions captured within the controlled environment.
    Type: Application
    Filed: July 1, 2025
    Publication date: October 30, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Publication number: 20250310325
    Abstract: Embodiments of the present invention provide a system for implementing authentication control protocols via components of entity device. In particular, the system may be configured to determine initiation of a resource interaction by a user at an entity device, control one or more components of the entity device to cause the entity device to capture a real-time image of the user, compare the real-time image captured via the entity device with an updated enhanced user image stored in a data file of the user, in response to comparing the real-time image with the updated enhanced user image, determine if the real-time image matches the updated enhanced user image, and implement one or more authentication control protocols based on determining if the real-time image matches the updated enhanced user image.
    Type: Application
    Filed: June 9, 2025
    Publication date: October 2, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Patent number: 12407684
    Abstract: Embodiments of the present invention provide a system for implementing authentication control protocols via components of entity device. In particular, the system may be configured to determine initiation of a resource interaction by a user at an entity device, control one or more components of the entity device to cause the entity device to capture a real-time image of the user, compare the real-time image captured via the entity device with an updated enhanced user image stored in a data file of the user, in response to comparing the real-time image with the updated enhanced user image, determine if the real-time image matches the updated enhanced user image, and implement one or more authentication control protocols based on determining if the real-time image matches the updated enhanced user image.
    Type: Grant
    Filed: November 10, 2022
    Date of Patent: September 2, 2025
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Patent number: 12406055
    Abstract: Embodiments of the present invention provide a system for identifying and redirecting incoming unauthorized data access requests. The system is configured for continuously monitoring one or more incoming data access requests from one or more sources, identifying that a data access request of the one or more incoming data access requests is an unauthorized request, redirecting the data access request to a controlled environment, performing one or more actions in the controlled environment to capture one or more interactions associated with the data access request within the controlled environment, and automatically generating one or more controls to secure a real-time environment based on the one or more interactions captured within the controlled environment.
    Type: Grant
    Filed: November 10, 2022
    Date of Patent: September 2, 2025
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Patent number: 12088477
    Abstract: A system for predicting an anomalous request comprises a processor associated with a server. The processor is configured to generate a first set of data objects associated with a first user profile. The processor is configured to compare the first set of the data objects to approved data and audit data to generate a second set of data objects with a set of anomalous data indicators for the first user profile. The processor is further configured to process the second set of the data objects through an anomaly learning model to determine a predictive degree of approval associated with the user profile. The processor is further configured to determine to how to process the user profile based on the predictive degree of approval. The processor is further configured to assign a profile indicator to the user profile.
    Type: Grant
    Filed: September 19, 2023
    Date of Patent: September 10, 2024
    Assignee: Bank of America Corporation
    Inventors: Stephen Jack Williams, Richard Scot, Rebecca Lynn Pietro, John Shelton, Abelardo Espinoza, Nathan Alexander Dalpini, Vani Reddy Nareddy
  • Publication number: 20240160722
    Abstract: Embodiments of the present invention provide a system for identifying and redirecting incoming unauthorized data access requests. The system is configured for continuously monitoring one or more incoming data access requests from one or more sources, identifying that a data access request of the one or more incoming data access requests is an unauthorized request, redirecting the data access request to a controlled environment, performing one or more actions in the controlled environment to capture one or more interactions associated with the data access request within the controlled environment, and automatically generating one or more controls to secure a real-time environment based on the one or more interactions captured within the controlled environment.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Publication number: 20240163283
    Abstract: Embodiments of the present invention provide a system for implementing authentication control protocols via components of entity device. In particular, the system may be configured to determine initiation of a resource interaction by a user at an entity device, control one or more components of the entity device to cause the entity device to capture a real-time image of the user, compare the real-time image captured via the entity device with an updated enhanced user image stored in a data file of the user, in response to comparing the real-time image with the updated enhanced user image, determine if the real-time image matches the updated enhanced user image, and implement one or more authentication control protocols based on determining if the real-time image matches the updated enhanced user image.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Publication number: 20240127241
    Abstract: Systems, computer program products, and methods are described herein for electronic resource transfer authentication via a user characteristic data verification engine. The system receives a request to transfer electronic resources from a first endpoint device of a merchant. The system then identifies a resource vehicle owner associated with the electronic resource transfer, identifies at least one second endpoint device, then transmits a request for verification from the entity to the at least one second endpoint device, utilizing an application programming interface. The user characteristic feedback hardware of the at least one second endpoint device collects identifier data from the user of the at least one second endpoint device, and a user characteristic data verification engine is initiated and thereafter determines a binary identification output. An entirety of the electronic resources are distributed to the merchant based on the binary identification output.
    Type: Application
    Filed: October 12, 2022
    Publication date: April 18, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Publication number: 20240031243
    Abstract: A system for predicting an anomalous request comprises a processor associated with a server. The processor is configured to generate a first set of data objects associated with a first user profile. The processor is configured to compare the first set of the data objects to approved data and audit data to generate a second set of data objects with a set of anomalous data indicators for the first user profile. The processor is further configured to process the second set of the data objects through an anomaly learning model to determine a predictive degree of approval associated with the user profile. The processor is further configured to determine to how to process the user profile based on the predictive degree of approval. The processor is further configured to assign a profile indicator to the user profile.
    Type: Application
    Filed: September 19, 2023
    Publication date: January 25, 2024
    Inventors: Stephen Jack Williams, Richard Scot, Rebecca Lynn Pietro, John Shelton, Abelardo Espinoza, Nathan Alexander Dalpini, Vani Reddy Nareddy
  • Patent number: 11811616
    Abstract: A system for predicting an anomalous request comprises a processor associated with a server. The processor is configured to parse a user profile from a plurality of user profiles to generate a first set of data objects associated with the first user profile. The processor is configured to compare the first set of the data objects to approved data and audit data to generate a second set of data objects with a set of anomalous data indicators for the first user profile. The processor is further configured to process the second set of the data objects through an anomaly learning model to determine a predictive degree of approval associated with the user profile. The processor is further configured to determine to approve, flag or disapprove the user profile based on the predictive degree of approval. The processor is further configured to assign a profile indicator to the user profile.
    Type: Grant
    Filed: February 23, 2023
    Date of Patent: November 7, 2023
    Assignee: Bank of America Corporation
    Inventors: Stephen Jack Williams, Richard Scot, Rebecca Lynn Pietro, John Shelton, Abelardo Espinoza, Nathan Alexander Dalpini, Vani Reddy Nareddy
  • Patent number: 11658881
    Abstract: A system for predicting an anomalous request comprises a processor associated with a server. The processor is configured to parse a user profile from a plurality of user profiles to generate a first set of data objects associated with the first user profile. The processor is configured to compare the first set of the data objects to approved data, audit data, disapproved data to generate a second set of data objects with a set of anomalous data indicators for the first user profile. The processor is further configured to process the second set of the data objects through an anomaly learning model to determine a predictive degree of approval associated with the user profile. The processor is further configured to determine to approve, flag or disapprove the user profile based on the predictive degree of approval. The processor is further configured to assign a profile indicator to the user profile.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: May 23, 2023
    Assignee: Bank of America Corporation
    Inventors: Stephen Jack Williams, Richard Scot, Rebecca Lynn Pietro, John Shelton, Abelardo Espinoza, Nathan Alexander Dalpini, Vani Reddy Nareddy