Patents by Inventor Steven Michael Twombly
Steven Michael Twombly 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).
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Patent number: 11889480Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.Type: GrantFiled: January 21, 2022Date of Patent: January 30, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
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Publication number: 20230368201Abstract: Embodiments of the present invention provide a system for implementing end-point authentication restriction for resource distribution devices. The system is configured for receiving a resource distribution request, wherein the resource distribution request is initiated via a resource distribution device associated with a user at an end-point, determining, via a machine learning model, an end-point identifier associated with the end-point, classifying the resource distribution request based at least in part on the end-point identifier associated with the end-point, and authenticating the resource distribution request based on classifying the resource distribution request.Type: ApplicationFiled: May 12, 2022Publication date: November 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Steven Michael Twombly, Tony England, Robertson Walters Greenbacker, Bradley Ryan Holland, Sara A. Walsh
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Publication number: 20230367645Abstract: A system is provided for implementing dynamic authentication restrictions for resource instrument use. In particular, the system may be configured to implement a spectrum of resource transfer restrictions on a device level, resource transfer instrument level, and/or resource transfer type level, where the restrictions may be implemented based on user input and/or automatically through machine learning processes. In some embodiments, the system may implement dynamic resource restrictions per resource transfer based on a trained machine learning model. In this way, the system may provide an efficient and secure way to implement resource transfer restrictions.Type: ApplicationFiled: May 12, 2022Publication date: November 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Tony England, Steven Michael Twombly, Robertson Walters Greenbacker, Bradley Ryan Holland, Sara A. Walsh
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Publication number: 20230367646Abstract: A system is also provided for intelligent type-based implementation of restrictions on resource transfers. In this regard, the system may allow for resource transfers set according to a preset resource transfer pattern to be executed while restricting net new resource transfers upon compromise of the resource transfer instrument. Subsequently, the system may use a machine learning model to analyze the attributes of incoming resource transfer requests and determine whether the resource transfer should be allowed or restricted based on the preset resource transfer pattern. In this way, the system may provide a way to fine-tune restrictions on executing resource transfers.Type: ApplicationFiled: May 12, 2022Publication date: November 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Tony England, Steven Michael Twombly, Robertson Walters Greenbacker, Bradley Ryan Holland, Sara A. Walsh
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Publication number: 20230367643Abstract: Embodiments of the present invention provide a system for identification and management of layered dependent resource distribution devices. The system is configured for receiving an expunge request from a user to expunge a resource distribution device, via a user interface, determining one or more layered dependent resource distribution devices associated with the resource distribution device, displaying the one or more layered dependent resource distribution devices to the user, via the user interface, receiving a selective expunge request to expunge at least one layered dependent resource distribution device of the one or more layered dependent resource distribution devices, and expunging the resource distribution device associated with the expunge request and the at least one layered dependent resource distribution device of the one or more layered dependent resource distribution devices associated with the selective expunge request.Type: ApplicationFiled: May 12, 2022Publication date: November 16, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Steven Michael Twombly, Tony England, Robertson Walters Greenbacker, Bradley Ryan Holland, Sara A. Walsh
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Publication number: 20230353576Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring.Type: ApplicationFiled: May 25, 2023Publication date: November 2, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Steven Michael Twombly, Sara A. Walsh, Tony England, Robertson Walters Greenbacker, Bradley Ryan Holland
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Patent number: 11716290Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic linking of resource data structures across distributed networks. The system is structured for enhancing data security by evaluating and determining iterations of data transformations associated with resource data structures across networks and establishing deletion and usage modification mechanisms for stored unauthorized downstream iterations. The system is structured to link a first front end resource data structure and a downstream transformation comprising a first entity resource data structure. The system is structured to construct a real-time interactive technology resource interface such that the technology resource interface is structured to present graphical interface objects associated with the link between the first front end resource data structure and the first entity resource data structure.Type: GrantFiled: May 12, 2022Date of Patent: August 1, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Steven Michael Twombly, Tony England, Robertson Walters Greenbacker, Bradley Ryan Holland, Sara A. Walsh
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Patent number: 11706225Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring.Type: GrantFiled: May 2, 2022Date of Patent: July 18, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Steven Michael Twombly, Sara A. Walsh, Tony England, Robertson Walters Greenbacker, Bradley Ryan Holland
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Publication number: 20230153446Abstract: Intelligently determination of intent of a resource provider when attempting to delete a resource event device, specifically, the resource event credentials associated with the resource event device, from a network location. Intent is determined by implementing Artificial Intelligence (AI) to analyze the resource provider's historical data to determine a probable/possible intent and, in response, queries are presented to the resource provider that attempt to confirm the probable/possible intent as the actual intent. In response to determining the intent, the invention is configured to perform one or more actions that are based on the determined intent.Type: ApplicationFiled: November 16, 2021Publication date: May 18, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Tony England, Steven Michael Twombly
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Patent number: 11645911Abstract: Embodiments of the present invention provide a communicable integration of a user network of devices and a vendor system. Embodiments receive, at the vendor system from the user network of devices, a request for provisioning of products by a vendor; determine a provisioning location for provisioning of the products by the vendor; continuously identify a real-time location of the user via the one or more components of the user network of devices; continuously calculate a real-time first limit based on the continuously identified current location of the user and the provisioning location; calculate a total time to provision the products comprising a sum of a product preparation time and the real-time first limit; and optimize delivery of the products based on the total time to provision and the real-time location of the user.Type: GrantFiled: March 31, 2022Date of Patent: May 9, 2023Assignee: BANK OF AMERICA CORPORATIONInventors: Mark Allan Nelson, Stephen Philip Selfridge, Ashish B. Tajpuria, Karen Lea MacQueen, Steven Michael Twombly
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Publication number: 20220223042Abstract: Embodiments of the present invention provide a communicable integration of a user network of devices and a vendor system. Embodiments receive, at the vendor system from the user network of devices, a request for provisioning of products by a vendor; determine a provisioning location for provisioning of the products by the vendor; continuously identify a real-time location of the user via the one or more components of the user network of devices; continuously calculate a real-time first limit based on the continuously identified current location of the user and the provisioning location; calculate a total time to provision the products comprising a sum of a product preparation time and the real-time first limit; and optimize delivery of the products based on the total time to provision and the real-time location of the user.Type: ApplicationFiled: March 31, 2022Publication date: July 14, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Mark Allan Nelson, Stephen Philip Selfridge, Ashish B. Tajpuria, Karen Lea MacQueen, Steven Michael Twombly
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Patent number: 11354634Abstract: Systems, computer program products, and methods are described herein for layered digital resource distribution in an electronic network environment. The present invention is configured to electronically receive computing instructions from a computing device associated with a first entity comprising a first request to execute a resource transfer with a second entity; determine a primary digital resource associated with the first entity; generate a first digital resource specifically to execute the resource transfer with the second entity, wherein the first digital resource is associated with the primary digital resource, wherein the first digital resource is electronically linked to the primary digital resource; initiate the execution of the first request of the resource transfer with the second entity using the first digital resource; and store the first digital resource in a digital repository associated with the primary digital resource.Type: GrantFiled: January 2, 2020Date of Patent: June 7, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Tony England, Steven Michael Twombly, Kristin Hodge Wallace
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Publication number: 20220150878Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.Type: ApplicationFiled: January 21, 2022Publication date: May 12, 2022Applicant: BANK OF AMERICA CORPORATIONInventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
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Patent number: 11322029Abstract: Embodiments of the present invention provide a communicable integration of a user network of devices and a vendor system. Embodiments receive, at the vendor system from the user network of devices, a request for provisioning of products by a vendor; determine a provisioning location for provisioning of the products by the vendor; continuously identify a real-time location of the user via the one or more components of the user network of devices; continuously calculate a real-time first limit based on the continuously identified current location of the user and the provisioning location; calculate a total time to provision the products comprising a sum of a product preparation time and the real-time first limit; and optimize delivery of the products based on the total time to provision and the real-time location of the user.Type: GrantFiled: May 22, 2018Date of Patent: May 3, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Mark Allan Nelson, Stephen Philip Selfridge, Ashish B. Tajpuria, Karen Lea MacQueen, Steven Michael Twombly
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Patent number: 11234235Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.Type: GrantFiled: April 30, 2019Date of Patent: January 25, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
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Patent number: 11196737Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.Type: GrantFiled: April 30, 2019Date of Patent: December 7, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
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Publication number: 20210209570Abstract: Systems, computer program products, and methods are described herein for layered digital resource distribution in an electronic network environment. The present invention is configured to electronically receive computing instructions from a computing device associated with a first entity comprising a first request to execute a resource transfer with a second entity; determine a primary digital resource associated with the first entity; generate a first digital resource specifically to execute the resource transfer with the second entity, wherein the first digital resource is associated with the primary digital resource, wherein the first digital resource is electronically linked to the primary digital resource; initiate the execution of the first request of the resource transfer with the second entity using the first digital resource; and store the first digital resource in a digital repository associated with the primary digital resource.Type: ApplicationFiled: January 2, 2020Publication date: July 8, 2021Applicant: Bank of America CorporationInventors: Tony England, Steven Michael Twombly, Kristin Hodge Wallace
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Patent number: 10998937Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.Type: GrantFiled: April 30, 2019Date of Patent: May 4, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams
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Patent number: 10990109Abstract: 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: GrantFiled: May 22, 2018Date of Patent: April 27, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Mark Allan Nelson, Karen Lea MacQueen, Ashish B. Tajpuria, Stephen Philip Selfridge, Steven Michael Twombly
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Patent number: 10979306Abstract: The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend thresholds, and other templates that allow for customization.Type: GrantFiled: June 7, 2019Date of Patent: April 13, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Patrick Thomas McConnell, William Bradley Burks, Daniel James Doherty, Justin Riley duPont, Thomas Elliott, Tony England, Matthew Murphy, Nickolas Patrick Parker, Stephen Philip Selfridge, Steven Michael Twombly, James J. Williams