Patents by Inventor Stephen PHILIP

Stephen PHILIP 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: 10607215
    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: March 31, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: James Gregory Ronca, Gregory Joseph Lloyd, Tony England, Stephen Philip Selfridge
  • Publication number: 20200080405
    Abstract: A method for mining soluble minerals from a subterranean deposit that comprises injecting a mining solvent into an injection wellbore passing through or contacting the deposit, wherein a heating means is allowed to heat the mining solvent while downhole and inside the wellbore thereby increasing the solvent temperature and reducing solvent heat loss is provided. The heated solvent is allowed to dissolve some of the soluble minerals from the deposit forming a mineral solution which is produced to surface.
    Type: Application
    Filed: June 14, 2019
    Publication date: March 12, 2020
    Inventors: Quinton HARDAGE, Stephen Philip HALABURA, Jim Nowakowski
  • Publication number: 20200000802
    Abstract: Compounds of the formula (I): wherein A and B together represent an optionally substituted, fused aromatic ring; X can be NRX or CRXRY; if X?NRX then n is 1 or 2 and if X?CRXRY then n is 1; RX is selected from the group consisting of H, optionally substituted C1-20 alkyl, C5-20 aryl, C3-20 heterocyclyl, amido, thioamido, ester, acyl, and sulfonyl groups; RY is selected from H, hydroxy, amino; or RX and RY may together form a spiro-C3-7 cycloalkyl or heterocyclyl group; RC1 and RC2 are both hydrogen, or when X is CRXRY, RC1, RC2, RX and RY, together with the carbon atoms to which they are attached, may form an optionally substituted fused aromatic ring; and R1 is selected from H and halo.
    Type: Application
    Filed: September 11, 2019
    Publication date: January 2, 2020
    Inventors: Niall Morrison Barr Martin, Graeme Cameron Smith, Stephen Philip Jackson, Vincent Junior M Loh, Xiao-Ling Fan Cockcroft, Ian Timothy Williams Matthews, Keith Allan Menear, Frank Kerrigan, Alan Ashworth
  • Publication number: 20200005280
    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.
    Type: Application
    Filed: September 12, 2019
    Publication date: January 2, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: James Gregory Ronca, Gregory Joseph Lloyd, Tony England, Stephen Philip Selfridge
  • Publication number: 20190378135
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.
    Type: Application
    Filed: August 26, 2019
    Publication date: December 12, 2019
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Gregory Joseph Lloyd, Lauren Marie Zavodny, Tony England, Stephen Philip Selfridge, James Gregory Ronca
  • Publication number: 20190368330
    Abstract: Methods for mining soluble minerals from a subterranean deposit. A fluid is injected into a horizontal injection wellbore passing through the deposit and allowed to enter a mining/fracture plane having at least one fracture, extending from the horizontal injection wellbore, at a pressure sufficient to further fracture the deposit, maintain the mining/fracture plane or open the mining/fracture plane. The injected fluid is allowed to dissolve some of the soluble minerals from the deposit thereby forming a mineral solution which is produced from horizontal production wellbores that intersect the mining/fracture plane.
    Type: Application
    Filed: March 29, 2019
    Publication date: December 5, 2019
    Inventors: Quinton HARDAGE, Stephen Philip HALABURA
  • Patent number: 10493938
    Abstract: Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.
    Type: Grant
    Filed: May 22, 2018
    Date of Patent: December 3, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Publication number: 20190364043
    Abstract: Embodiments of the present invention provide a system for a multi-factor authentication of a user via a vehicle recognition of the user. In this way, the invention may identify a user co-located to a vehicle and authenticate that user via communicable linkages between a user device and automobile system. The invention may authenticate the user via the communicable linkage, vehicle biometrics, user vehicle preferences, and/or third party authentication. Based on a number of authentication points identified, the system may identify a level of authentication for accessing authentication locations. The system may then allow user access to various locations from his/her vehicle without requiring authentication into those locations.
    Type: Application
    Filed: May 22, 2018
    Publication date: November 28, 2019
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Publication number: 20190360823
    Abstract: A computerized system may be configured for: determining a travel route to an event; causing a display of a smart device of a vehicle of a user to display the travel route; determining a parking location proximate to the event; modifying the travel route to include the parking location; identifying an item of a third party entity located proximate to the event; placing an order for the item in response to determining that a trigger event has occurred; causing a display of the user's mobile device to display information about the order once the vehicle has arrived at the parking location and the user is no longer collocated with the vehicle; determining that the mobile device of the user is collocated with a remote device of the third party entity; and transferring resources from the user to the third party entity to complete the order.
    Type: Application
    Filed: May 22, 2018
    Publication date: November 28, 2019
    Inventors: Mark Allan Nelson, Stephen Philip Selfridge, Ashish B. Tajpuria, Karen Lea MacQueen, Steven Michael Twombly
  • Publication number: 20190361430
    Abstract: Embodiments of the present invention provide a system for generating a communicable linkage and communication channel between various user devices, including smart devices, with a vehicle system. The system converts data from the user devices into readable format for implementation into a vehicle system. The implementation may include autonomous implementation for location transmission and guidance for the vehicle. Upon authentication of the user to the vehicle, the system directs the vehicle based on the converted data.
    Type: Application
    Filed: May 22, 2018
    Publication date: November 28, 2019
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Publication number: 20190359160
    Abstract: Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.
    Type: Application
    Filed: May 22, 2018
    Publication date: November 28, 2019
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Publication number: 20190361463
    Abstract: The preset invention relates to a system for integrated connectivity of devices to provide dynamic control and real-time routing of a vehicle for item transfer and vehicle performance. The system is configured for constructing a dynamic item file comprising one or more items associated with a user. The system is configured to identify an item collection initiation trigger and transmit an order placement control signal to an entity system of an item entity to initiate item transfer of the one or more items at a predetermined time interval. The system is configured to direct the vehicle to a first parking location associated with the geographic location parameter of the item entity. In addition, using a sensor device of the vehicle such as a weight sensor, an RFID sensor and/or a visual capture device, the system is structured to identify that the one or more items are located in the vehicle.
    Type: Application
    Filed: May 22, 2018
    Publication date: November 28, 2019
    Inventors: Mark Allan Nelson, Karen Lea MacQueen, Ashish B. Tajpuria, Stephen Philip Selfridge, Steven Michael Twombly
  • Patent number: 10467900
    Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user to search for a parking space, communicating with one or more remote parking systems at one or more parking locations within a predetermined distance from a destination to identify one or more available parking spaces, applying logic to select a first parking space from the one or more available parking spaces, transmit a location of the first parking space to the user, continuously monitoring a real-time location of the user, identifying that the real-time location of the user matches the location of the first parking space, initiating transfer of resources to complete an interaction with a first remote parking system associated with the first parking space, and completing the interaction by transferring the resources to the first remote parking system.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: November 5, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Karen Lea MacQueen, Stephen Philip Selfridge, Ashish B. Tajpuria, Steven Michael Twombly
  • Patent number: 10453059
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: October 22, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Gregory Joseph Lloyd, Lauren Marie Zavodny, Tony England, Stephen Philip Selfridge, James Gregory Ronca
  • Patent number: 10449192
    Abstract: Compounds of the formula (I): wherein A and B together represent an optionally substituted, fused aromatic ring; X can be NRX or CRXRY; if X?NRX then n is 1 or 2 and if X?CRXRY then n is 1; RX is selected from the group consisting of H, optionally substituted C1-20 alkyl, C5-20 aryl, C3-20 heterocyclyl, amido, thioamido, ester, acyl, and sulfonyl groups; RY is selected from H, hydroxy, amino; or RX and RY may together form a spiro-C3-7 cycloalkyl or heterocyclyl group; RC1 and RC2 are both hydrogen, or when X is CRXRY, RC1, RC2, RX and RY, together with the carbon atoms to which they are attached, may form an optionally substituted fused aromatic ring; and R1 is selected from H and halo.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: October 22, 2019
    Assignee: KUDO PHARMACEUTICALS LIMITED
    Inventors: Niall Morrison Barr Martin, Graeme Cameron Smith, Stephen Philip Jackson, Vincent Junior M Loh, Xiao-Ling Fan Cockcroft, Ian Timothy Williams Matthews, Keith Allan Menear, Frank Kerrigan, Alan Ashworth
  • Publication number: 20190289853
    Abstract: The present invention provides a method of treating wheat fungal pathogens, comprising applying an electrolyzed water composition to a wheat crop affected with pathogens or area containing a wheat crop affected with pathogens. The electrolyzed water composition is prepared by a method comprising: preparing an electrolyte solution comprising water, at least one carbonate salt selected from anhydrous alkali metal carbonate salts, and at least one chloride salt selected from: alkali metal chloride salts; introducing the aqueous electrolyte solution into an electrolytic cell comprising a plurality of boron-doped diamond electrodes; and operating a power supply to apply a predetermined voltage to the electrolyte solution to produce an electrolyzed water biocidal composition comprising a plurality of active molecular and ionic species having biocidal activity, in which the mixture of at least two salts of the electrolyte are selected such that the dissolved O3 concentration is in the range of from 0.1 to 1,000 ppm.
    Type: Application
    Filed: May 4, 2017
    Publication date: September 26, 2019
    Inventor: Stephen Philip Gardner
  • Publication number: 20190286086
    Abstract: A control apparatus that processes data inputs in a computing arrangement to provide outputs includes a user interface and a data processing arrangement. The computing arrangement executes a software product to implement a method including generating a multi-dimensional system model operable to describe the system as spanned by state variables on at least one of finite domains or intervals, generating an addressable solution space to meet runtime requirements, the addressable solution space defining all valid states or combinations satisfying a conjunction of substantially all system constraints on all variables, storing the addressable solution space, generating and storing object functions, generating and storing values associated with the addressable solution space to make the values addressable from an environment including the state variables, and using the addressable solution space to process inputs provided to the system, and to generate outputs for controlling or advising operation of the system.
    Type: Application
    Filed: November 10, 2017
    Publication date: September 19, 2019
    Inventors: STEPHEN PHILIP GARDNER, GERT LYKKE SØRENSEN MOLLER
  • Patent number: 10401260
    Abstract: A system for testing an impact of a vehicle includes a rail, a cable moveable along the rail, a shuttle fixed to the cable and slideably coupled to the rail, and a cart. The cart includes a connector horizontally spaced from the rail and a centerline parallel to and horizontally spaced from the rail. An arm is fixed to the shuttle and extends from the shuttle to the connector. The arm is releasably connectable to the connector.
    Type: Grant
    Filed: April 20, 2017
    Date of Patent: September 3, 2019
    Assignee: FORD GLOBAL TECHNOLOGIES, LLC
    Inventors: Jamel E. Belwafa, Stephen Philip Panoff, David Collino
  • Patent number: 10377646
    Abstract: The present invention provides a method for producing electrolyzed water composition for use in cleaning and disinfecting of an object. The method comprises preparing an electrolyte solution comprising water, at least one carbonate salt selected from: alkali metal carbonate salts, and at least one chloride salt selected from: alkali metal chloride salts and/or alkali earth metal chloride salts. The method further comprises introducing the aqueous electrolyte solution into an electrolytic cell comprising a plurality of boron-doped diamond electrodes. The method further comprises operating a power supply to apply a predetermined voltage to the electrolyte solution to produce an electrolyzed water composition comprising a plurality of active molecular and ionic species with antimicrobial activity.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: August 13, 2019
    Assignee: Ozo Innovations LTD
    Inventor: Stephen Philip Gardner
  • Patent number: 10346003
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a centralized, integrated geolocation resource transfer system that is configured to facilitate operative communication between resource entity systems and external devices located within the geographic fence. In this regard, the invention is configured to dynamically identify a plurality of users located within the geographic fence, in real-time. In addition, the invention is configured to facilitate a resource entity system to customize a user interface of a user device based on the user's location. Furthermore, the system is configured to optimize flux parameters and resource distribution in a geographic fence.
    Type: Grant
    Filed: October 14, 2016
    Date of Patent: July 9, 2019
    Assignee: Bank of America Corporation
    Inventors: Stephen Philip Selfridge, Tony England, Farhan Ahmed Siddiqi