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).

  • Patent number: 10979306
    Abstract: 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: Grant
    Filed: June 7, 2019
    Date of Patent: April 13, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200389363
    Abstract: 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 risk thresholds, and other templates that allow for customization.
    Type: Application
    Filed: June 7, 2019
    Publication date: December 10, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200351852
    Abstract: 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: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200349552
    Abstract: Embodiments of the present invention provide a system for secure contactless distribution of dynamic resources. Resource information may be written onto a near field communication (“NFC”) chip associated with a user, and a dynamic resource value element can be associated with this NFC chip. When an NFC interaction between the NFC chip associated with the user and a computing device of the user is detected, the computing device of the user extracts the resource information from the NFC chip, along with a dynamic resource value. The dynamic resource value is compared to an expected dynamic resource value and, if the values match, the extracted resource information is populated into memory fields of the computing device of the user.
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200348976
    Abstract: Embodiments of the invention are directed to facilitating electronic resource distribution by including computer-readable indicia or a short-range wireless tag on a physical resource distribution document/instrument that stores or provides access to instructions for requesting and/or processing subsequent resource distributions between the resource requester and requester provider fully electronically (i.e., absent the need for a resource distribution request document or a resource distribution document/instrument).
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200351262
    Abstract: 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: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200350955
    Abstract: 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: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Patent number: 10780856
    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: December 2, 2019
    Date of Patent: September 22, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Patent number: 10732624
    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: Grant
    Filed: May 22, 2018
    Date of Patent: August 4, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Patent number: 10685569
    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, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.
    Type: Grant
    Filed: March 2, 2018
    Date of Patent: June 16, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Karen Lea MacQueen, Ashish B. Tajpuria, Steven Michael Twombly, Tony England
  • Patent number: 10655974
    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: Grant
    Filed: May 22, 2018
    Date of Patent: May 19, 2020
    Assignee: Bank of America Corporation
    Inventors: Mark Allan Nelson, Stephen Philip Selfridge, Ashish B. Tajpuria, Karen Lea MacQueen, Steven Michael Twombly
  • Patent number: 10659460
    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: Grant
    Filed: May 22, 2018
    Date of Patent: May 19, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • Publication number: 20200101919
    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: December 2, 2019
    Publication date: April 2, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Ashish B. Tajpuria, Karen Lea MacQueen, Stephen Philip Selfridge, Steven Michael Twombly
  • 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: 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: 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: 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: 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: 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