Morgan N Allen

US Patent:

20110191242, Aug 4, 2011

Filed:

Feb 4, 2010

Appl. No.:

12/700017

Inventors:

Morgan S. Allen - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00
G07F 19/00

US Classification:

705 43, 235379, 705 44, 705 45

Abstract:

A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or coins to cash the check. The amount of the check may be rounded up to an amount for which appropriate denominations are available and the difference between the amount of the check and the rounded up amount may be charged to an account of a user, such as checking account, savings account, credit card, and the like.

US Patent:

20110191243, Aug 4, 2011

Filed:

Feb 4, 2010

Appl. No.:

12/700155

Inventors:

Morgan S. Allen - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 10/00
G06Q 40/00

US Classification:

705 43, 705 725

Abstract:

A system and method of balancing load between one or more ATMs is provided. In some examples, a notification of a service issue may be received from a first ATM. A determination may be made as to whether ATMs within a predefined geographic distance of the first ATM may have sufficient capacity to support additional transactions due to the first ATM being out of service. If the additional ATMs do have sufficient capacity, a service call to address the service issue at the first ATM may be postponed, for instance, until a more convenient time, a regular business day, etc. If the additional ATMs in the area do not have sufficient capacity, a service call may be placed to address the service issue at the first ATM as soon as possible.

US Patent:

20110196782, Aug 11, 2011

Filed:

Feb 5, 2010

Appl. No.:

12/700803

Inventors:

Morgan ALLEN - Charlotte NC, US
Matthew Laine DONLAN - Charlotte NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

US Patent:

20130042261, Feb 14, 2013

Filed:

Aug 10, 2011

Appl. No.:

13/206621

Inventors:

Peter A. Tavormina - Hainesport NJ, US
Morgan S. Allen - Charlotte NC, US

Assignee:

Bank of America - Charlotte NC

International Classification:

H04N 21/2543
H04N 21/254
G06K 19/073

US Classification:

725 5, 235492, 725 60

Abstract:

Systems and methods for an electronic video media e-wallet application have been provided. An apparatus for providing a viewer of a video with an electronic video wallet may be included within the scope of the invention. The apparatus may include a radio frequency identification device (“RFID”) tag. The RFID tag may be associated with an item in the video. The apparatus may also include a video camera comprising an antenna. The antenna may receive signals from the RFID tag. The signals may include purchasing information associated with the item.

US Patent:

20220217136, Jul 7, 2022

Filed:

Jan 4, 2021

Appl. No.:

17/140726

Inventors:

- Charlotte NC, US
Morgan S. Allen - Waxhaw NC, US

International Classification:

H04L 29/06

Abstract:

A system includes first and second subsystems. The first subsystem receives a validation number request, transmitted by a first device in response to the entry of an account number into a first field of a webpage. In response to receiving the request, the first subsystem randomly generates the validation number, stores a copy in memory, and transmits it to a second device. The second subsystem receives a transaction request that includes the validation number from the first device, and transmits the received number to the first subsystem. The first device transmitted the request in response to the second device receiving the validation number and its subsequent entry into a second field of the webpage displayed on the first device. In response to receiving the validation number, the first subsystem determines that it matches the stored copy and transmits a message to the second subsystem authorizing the transaction.

US Patent:

20210168081, Jun 3, 2021

Filed:

Feb 10, 2021

Appl. No.:

17/172446

Inventors:

- Charlotte NC, US
William August Stahlhut - The Colony TX, US
Kamesh R. Gottumukkala - Concord CA, US
Siten Sanghvi - Jersey City NJ, US
Stephen T. Shannon - Charlotte NC, US
Morgan S. Allen - Charlotte NC, US
Christopher L. Rice - Charlotte NC, US

International Classification:

H04L 12/851
H04L 12/927
H04L 12/911
G06Q 40/02
G06Q 30/02
G06Q 10/06
G06Q 10/10
H04L 12/859

Abstract:

This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

US Patent:

20200412654, Dec 31, 2020

Filed:

Jun 26, 2019

Appl. No.:

16/452862

Inventors:

- Charlotte NC, US
William August Stahlhut - The Colony TX, US
Kamesh R. Gottumukkala - Concord CA, US
Siten Sanghvi - Jersey City NJ, US
Stephen T. Shannon - Charlotte NC, US
Morgan S. Allen - Charlotte NC, US
Christopher L. Rice - Charlotte NC, US

International Classification:

H04L 12/851
H04L 12/927
H04L 12/911
H04L 12/859
G06Q 30/02
G06Q 10/06
G06Q 10/10
G06Q 40/02

Abstract:

This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

US Patent:

20200274861, Aug 27, 2020

Filed:

Feb 26, 2019

Appl. No.:

16/285509

Inventors:

- Charlotte NC, US
Morgan S. Allen - Charlotte NC, US
Manu Kurian - Dallas TX, US

International Classification:

H04L 29/06
G06N 20/00

Abstract:

An authentication/authorization tool authenticates entity data received from an official third party and authorizes the distribution of the authenticated data based on an authorization token provided by a mobile device of the entity. The tool determines, based on the entity data and an entity preferences database, different portions of the entity data that are of different data types and data repositories that are authorized to receive each data type. The tool receives an authorization token from a mobile device of the entity and uses the authorization token to determine whether data distribution is authorized. Responsive to determining, based on the data authorization token, that distribution of the data is authorized, the tool automatically transmits the data portions to the entity's data repositories to update information stored therein, according to preferences of the entity.