Patents by Inventor William Bradley Burks
William Bradley Burks 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: 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: 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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Patent number: 11190617Abstract: Embodiments of the present invention provide a system for transmitting data to networked resources based on extracted contextual information from said networked resources. The system gathers contextual data from devices on the network, extracts contextual information from the contextual data, and determines supplemental resources to provide to the networked devices based on the contextual information. The system may further provide an augmented reality environment to a networked device that integrates identifies objects in an image and integrates notifications of supplemental resources in the augmented reality environment.Type: GrantFiled: December 13, 2019Date of Patent: November 30, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, Frederika Zipporah Morris Angus, Emily Paige Bosin, Kathleen Miranda Brand, William Bradley Burks, Deepak Joseph, Karla Ramirez, Laura Elizabeth Randall
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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: 10986541Abstract: Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.Type: GrantFiled: December 23, 2019Date of Patent: April 20, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, Frederika Zipporah Morris Angus, Emily Paige Bosin, Kathleen Miranda Brand, William Bradley Burks, Deepak Joseph, Karla Ramirez, Laura Elizabeth Randall
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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
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Patent number: 10922683Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.Type: GrantFiled: January 24, 2020Date of Patent: February 16, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, William Bradley Burks, Andrew S. Heiman, Richard Huw Thomas
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Publication number: 20200389363Abstract: 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: ApplicationFiled: June 7, 2019Publication date: December 10, 2020Applicant: 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: 20200349552Abstract: 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: ApplicationFiled: April 30, 2019Publication date: November 5, 2020Applicant: 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: 20200351852Abstract: 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: April 30, 2019Publication date: November 5, 2020Applicant: 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: 20200348976Abstract: 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: ApplicationFiled: April 30, 2019Publication date: November 5, 2020Applicant: 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: 20200351262Abstract: 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: ApplicationFiled: April 30, 2019Publication date: November 5, 2020Applicant: 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: 20200350955Abstract: 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: ApplicationFiled: April 30, 2019Publication date: November 5, 2020Applicant: 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: 20200160322Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.Type: ApplicationFiled: January 24, 2020Publication date: May 21, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, William Bradley Burks, Andrew S. Heiman, Richard Huw Thomas
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Publication number: 20200137634Abstract: Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.Type: ApplicationFiled: December 23, 2019Publication date: April 30, 2020Applicant: Bank of America CorporationInventors: Tracy Beth Greene, Frederika Zipporah Morris Angus, Emily Paige Bosin, Kathleen Miranda Brand, William Bradley Burks, Deepak Joseph, Karla Ramirez, Laura Elizabeth Randall
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Patent number: 10636029Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. Furthermore, the system receives notification of use of the resource disbursement limiter and is pushed the acceptance for integration into the user resource storage.Type: GrantFiled: December 12, 2016Date of Patent: April 28, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, William Bradley Burks, Andrew S. Heiman, Richard Huw Thomas
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Publication number: 20200120186Abstract: Embodiments of the present invention provide a system for transmitting data to networked resources based on extracted contextual information from said networked resources. The system gathers contextual data from devices on the network, extracts contextual information from the contextual data, and determines supplemental resources to provide to the networked devices based on the contextual information. The system may further provide an augmented reality environment to a networked device that integrates identifies objects in an image and integrates notifications of supplemental resources in the augmented reality environment.Type: ApplicationFiled: December 13, 2019Publication date: April 16, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, Frederika Zipporah Morris Angus, Emily Paige Bosin, Kathleen Miranda Brand, William Bradley Burks, Deepak Joseph, Karla Ramirez, Laura Elizabeth Randall
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Patent number: 10524165Abstract: Embodiments of the present invention provide a system for dynamic utilization of alternative resources based on token association. The system is typically configured for receiving a request from a user to generate a generic token for a digital wallet located on a mobile device of the user, generating the generic token and associating one or more resource credentials of the user with the generic token, transmitting the generic token to the mobile device of the user and storing the generic token in the digital wallet, receiving an interaction request from an authorization network to route an interaction, and routing the interaction to complete the interaction by selecting at least one resource credential from the one or more resource credentials associated with the generic token and transmitting the at least one resource credential to the authorization network.Type: GrantFiled: June 22, 2017Date of Patent: December 31, 2019Assignee: BANK OF AMERICA CORPORATIONInventors: Tracy Beth Greene, Frederika Zipporah Morris Angus, Emily Paige Bosin, Kathleen Miranda Brand, William Bradley Burks, Deepak Joseph, Karla Ramirez, Laura Elizabeth Randall