Matthew K Murphy

US Patent:

20140081779, Mar 20, 2014

Filed:

Sep 14, 2012

Appl. No.:

13/619015

Inventors:

Matthew D. Murphy - Charlotte NC, US
Scott A. Weigman - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/40
G06Q 20/20
G06Q 20/22

US Classification:

705 16, 705 44, 705 39

Abstract:

Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a selected region within a geographic area. The selected region may be a customer location. The selected region may be a merchant location. The selected region may be any suitable region. The transaction cost may be recovered utilizing central control over network of merchant locations. The transaction cost may be recovered during a selected time. Apparatus may include an application that allows a selection of a time and/or geographic region for recovery of the transaction cost.

US Patent:

20140081780, Mar 20, 2014

Filed:

Sep 14, 2012

Appl. No.:

13/619145

Inventors:

Matthew D. Murphy - Charlotte NC, US
Scott A. Weigman - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 20/40
G06Q 20/20

US Classification:

705 17, 705 44

Abstract:

Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered utilizing central control over network of brick and mortar stores. The transaction cost may be recovered during a selected time. The transaction cost may be recovered from a selected region within a geographic area during the selected time. Apparatus may include an application that allows a selection of a time and geographic region for recovery of the transaction cost.

US Patent:

20200389363, Dec 10, 2020

Filed:

Jun 7, 2019

Appl. No.:

16/434604

Inventors:

- Charlotte NC, US
William Bradley Burks - Charlotte NC, US
Daniel James Doherty - Huntersville NC, US
Justin Riley duPont - Charlotte NC, US
Thomas Elliott - Redwood City CA, US
Tony England - Tega Cay SC, US
Matthew Murphy - Charlotte NC, US
Nickolas Patrick Parker - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Steven Michael Twombly - Saco ME, US
James J. Williams - Lincoln University PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

H04L 12/24
H04L 29/06
H04L 29/08

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.

US Patent:

20200348976, Nov 5, 2020

Filed:

Apr 30, 2019

Appl. No.:

16/399767

Inventors:

- Charlotte NC, US
William Bradley Burks - Charlotte NC, US
Daniel James Doherty - Huntersville NC, US
Justin Riley duPont - Charlotte NC, US
Thomas Elliott - Redwood City CA, US
Tony England - Tega Cay SC, US
Matthew Murphy - Charlotte NC, US
Nickolas Patrick Parker - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Steven Michael Twombly - Saco ME, US
James J. Williams - Lincoln University PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06F 9/50
G06K 9/00
G06F 16/9035
G06F 16/953
H04W 4/80

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).

US Patent:

20200349552, Nov 5, 2020

Filed:

Apr 30, 2019

Appl. No.:

16/399873

Inventors:

- Charlotte NC, US
William Bradley Burks - Charlotte NC, US
Daniel James Doherty - Huntersville NC, US
Justin Riley duPont - Charlotte NC, US
Thomas Elliott - Redwood City CA, US
Tony England - Tega Cay SC, US
Matthew Murphy - Charlotte NC, US
Nickolas Patrick Parker - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Steven Michael Twombly - Saco ME, US
James J. Williams - Lincoln University PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 20/32
G06Q 20/34

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.

US Patent:

20200350955, Nov 5, 2020

Filed:

Apr 30, 2019

Appl. No.:

16/399709

Inventors:

- Charlotte NC, US
William Bradley Burks - Charlotte NC, US
Daniel James Doherty - Huntersville NC, US
Justin Riley duPont - Charlotte NC, US
Thomas Elliott - Redwood City CA, US
Tony England - Tega Cay SC, US
Matthew Murphy - Charlotte NC, US
Nickolas Patrick Parker - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Steven Michael Twombly - Saco ME, US
James J. Williams - Lincoln University PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

H04B 5/00
G06K 19/07
G06K 7/10
H04W 4/80

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.

US Patent:

20200351262, Nov 5, 2020

Filed:

Apr 30, 2019

Appl. No.:

16/399877

Inventors:

- Charlotte NC, US
William Bradley Burks - Charlotte NC, US
Daniel James Doherty - Huntersville NC, US
Justin Riley duPont - Charlotte NC, US
Thomas Elliott - Redwood City CA, US
Tony England - Tega Cay SC, US
Matthew Murphy - Charlotte NC, US
Nickolas Patrick Parker - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Steven Michael Twombly - Saco ME, US
James J. Williams - Lincoln University PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

H04L 29/06
H04W 12/06
G06Q 30/06

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.

US Patent:

20200351852, Nov 5, 2020

Filed:

Apr 30, 2019

Appl. No.:

16/399874

Inventors:

- Charlotte NC, US
William Bradley Burks - Charlotte NC, US
Daniel James Doherty - Huntersville NC, US
Justin Riley duPont - Charlotte NC, US
Thomas Elliott - Redwood City CA, US
Tony England - Tega Cay SC, US
Matthew Murphy - Charlotte NC, US
Nickolas Patrick Parker - Charlotte NC, US
Stephen Philip Selfridge - Huntersville NC, US
Steven Michael Twombly - Saco ME, US
James J. Williams - Lincoln University PA, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

H04W 72/04
G06F 9/50
H04W 12/06
H04W 4/80

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.