Patents by Inventor Tamara S. Kingston
Tamara S. Kingston 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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Publication number: 20240037655Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.Type: ApplicationFiled: October 16, 2023Publication date: February 1, 2024Inventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Publication number: 20240020554Abstract: Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.Type: ApplicationFiled: September 27, 2023Publication date: January 18, 2024Inventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Patent number: 11816726Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.Type: GrantFiled: July 29, 2020Date of Patent: November 14, 2023Assignee: Bank of America CorporationInventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Patent number: 11810005Abstract: Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.Type: GrantFiled: July 29, 2020Date of Patent: November 7, 2023Assignee: Bank of America CorporationInventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Publication number: 20220036210Abstract: Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.Type: ApplicationFiled: July 29, 2020Publication date: February 3, 2022Inventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Publication number: 20220036450Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.Type: ApplicationFiled: July 29, 2020Publication date: February 3, 2022Inventors: Siten Sanghvi, Morgan S. Allen, Matthew E. Carroll, Tamara S. Kingston, Stephen T. Shannon
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Patent number: 11176542Abstract: A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.Type: GrantFiled: October 10, 2019Date of Patent: November 16, 2021Assignee: Bank of America CorporationInventors: Katherine Dintenfass, Tamara S. Kingston
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Publication number: 20210110380Abstract: A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.Type: ApplicationFiled: October 10, 2019Publication date: April 15, 2021Inventors: Katherine Dintenfass, Tamara S. Kingston
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Publication number: 20210097550Abstract: Apparatus and methods for providing a donor-funded restricted line of credit to a customer. The restricted line of credit may be available to the customer only for credit card purchases associated with a donor-selected MCC. The method may include a bank account performing the method steps of storing funds transferred to the bank account by a donor. The method may also include tagging at least a portion of the funds with the donor-selected MCC. The method may further include a banking portal performing the method steps of displaying, to the customer, a value of the stored funds in the bank account and the portion of the funds tagged with the donor-selected MCC. The methods may additionally include not providing the customer with means to access or withdraw the funds from the bank account other than through authorized purchases with the credit card.Type: ApplicationFiled: September 26, 2019Publication date: April 1, 2021Inventors: Tamara S. Kingston, Maria Carolina Barraza Enciso, Karen Wiles, Rebecca S. Morgan, Elena Kvochko
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Publication number: 20210065183Abstract: Systems and methods for providing a digital transactional system with built-in coercion protection are provided. A method may include receiving, at a central server, a request to initiate an account. The account may be operable to execute a transaction. The method may include generating and storing account data. The account data may include an account number and an expiration date. The method may include selecting a lifespan mode that is included in the account data, wherein the lifespan mode may determine the expiration date and may be selected from at least two different lifespan modes. The method may include triggering, in response to a predetermined action that is executed prior to the expiration date, an extension of the expiration date.Type: ApplicationFiled: August 29, 2019Publication date: March 4, 2021Inventors: Tamara S. Kingston, Monika Kapur
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Patent number: 9595036Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: GrantFiled: March 15, 2013Date of Patent: March 14, 2017Assignee: Bank of America CorporationInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Patent number: 9595035Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.Type: GrantFiled: March 15, 2013Date of Patent: March 14, 2017Assignee: Bank of America CorporationInventors: Tamara S. Kingston, John Franklin Tuders, Ross Matthew Feldman, Marc Lance Warshawsky, Erik Stephen Ross, Elbert Lee Whitler, Mark D. Zanzot, Ketil Bjugan, Scott Mastbrook, William Sydney Ivey, Mark Allan Nelson, Brenda Lisbeth Smyth, Doris Maria Garrett, Jonathan H. Tucker, Catherine Stokes Pullen, Paul Ronald DeKoster
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Patent number: 9508076Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.Type: GrantFiled: March 15, 2013Date of Patent: November 29, 2016Assignee: Bank of America CorporationInventors: Tamara S. Kingston, Willard Andrew Barr, Doris Maria Garrett, Mark Allan Nelson, Jonathan H. Tucker, John Franklin Tuders, Elbert Lee Whitler, Paul Ronald DeKoster
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Patent number: 9047639Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at a transaction machine.Type: GrantFiled: September 10, 2010Date of Patent: June 2, 2015Assignee: BANK OF AMERICA CORPORATIONInventors: John Harden Quintiliani, Brian Thomas Borders, Lomney Ann Bryan, Paul Ronald DeKoster, Doris Maria Garrett, Katherine Elizabeth Sutton, Tamara S. Kingston, John Franklin Tuders, Erik Stephen Ross
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Patent number: 9047640Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe.Type: GrantFiled: March 15, 2013Date of Patent: June 2, 2015Assignee: Bank of America CorporationInventors: Tamara S. Kingston, Willard Andrew Barr, Doris Maria Garrett, Mark Allan Nelson, Jonathan H. Tucker, John Franklin Tuders, Elbert Lee Whitler, Paul Ronald DeKoster
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Publication number: 20140358799Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing alert packages. An exemplary apparatus is configured to: provide a user with an option to enroll into an alert packaging service; receive the users acceptance of enrollment in the alert packaging service, wherein enrollment in the alert packaging service comprises the user agreeing to receive one or more alert packages; receive user information associated with the user's account; and bundle one or more alerts into an alert package based at least partially on the received user information.Type: ApplicationFiled: May 31, 2013Publication date: December 4, 2014Inventors: Tamara S. Kingston, Carrie Anne Hanson, Leonard Ferman, John Perkner, Robin Vandette
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Publication number: 20140188704Abstract: A system provides a new card number to a customer by receiving a customer request for a new card number and electronically transmitting the new card number to a mobile device associated with the customer. In some cases, the system initiates creation of a physical card corresponding to the electronically transmitted new card number; and initiates shipping of the created physical card to a physical address associated with the customer. In some cases, the new card number is electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. The request may include a customer request for a new card number associated with a new account, and the system determines that the customer has been pre-approved for a new account, initiates opening of the new account and initiates creation of a physical card corresponding to the electronically transmitted new card number and the new account.Type: ApplicationFiled: January 1, 2013Publication date: July 3, 2014Applicant: Bank of America CorporationInventors: Glenn Grossman, Tamara S. Kingston, Stacy A. Maschhoff
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Publication number: 20140188718Abstract: A system provides a new card number to a customer by determining that a compromise of customer information has occurred, and, in response to determining that the compromise has occurred, electronically transmit the new card number to a mobile device of the customer. The system may initiate creation of a physical card corresponding to the electronically transmitted new card number; and initiate shipping of the created physical card to a physical address of the customer. The new card number may be electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. In response to determining that the compromise has occurred, the system may cancel a current card of the customer and transmit a message to the customer indicating the current card has been cancelled and indicating the new card has been transmitted or inquiring whether the customer wants the new card to be transmitted.Type: ApplicationFiled: January 1, 2013Publication date: July 3, 2014Applicant: Bank of America CorporationInventors: Glenn Grossman, Tamara S. Kingston, Stacy A. Maschhoff
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Publication number: 20140164222Abstract: A method includes receiving a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal. The method further includes generating a savings memorandum associated with the savings goal that is stored in association with the savings goal and displaying the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum. The method further includes initiating the transfer of the amount of money from a first account of the user to a second account of the user in response to a user selection to accept the savings memorandum, the second account being associated with the savings goal.Type: ApplicationFiled: December 12, 2012Publication date: June 12, 2014Applicant: Bank of America CorporationInventors: Tamara S. Kingston, Glenn M. Grossman, Scott R. Enscoe
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Publication number: 20140074701Abstract: Apparatus and methods for improving online billpay are provided. In some embodiments, the apparatus and methods may receive an attachment from a donor. The attachment may be submitted by the donor for inclusion in a gratuitous transfer of funds to a beneficiary. The transfer of funds may be tagged using an electronic marker. The tag may include a set of predefined parameters. The tag may restrict the use of funds according to a set of predefined parameters. The gratuitous transfer of funds may be electronically transmitted. The transfer may be confirmed by an electronic notification.Type: ApplicationFiled: September 13, 2012Publication date: March 13, 2014Applicant: Bank of America CorporationInventors: Tamara S. Kingston, Charles J. Burrell, Lisa M. Martin