1
Erik Stephen Ross, Carrie Anne Hanson, Susan Smith Thomas: Social network payment settlement system. Bank of America Corporation, Michael A Springs, Moore & Van Allen PLLC, Patrick B Horne, April 2, 2013: US08412630 (9 worldwide citation)

A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of th ...


2
Jonathan C Lohr: Method and apparatus for multimedia session transfer. Sony Mobile Communications, Patrick B Horne, Moore & Van Allen PLLC, May 15, 2012: US08181226 (8 worldwide citation)

The invention consists of a first communications device on which an active session is taking place and a second communications device that is not involved in the active session. When a transfer of the session from the first communications device to the second communications device is desired, the ha ...


3
Erik Stephen Ross, Ashley T Naelon: Wearable financial indicator. Bank of America Corporation, Michael A Springs, Moore & Van Allen PLLC, Patrick B Horne, November 3, 2015: US09177307 (8 worldwide citation)

A wearable article, such as but not limited to a watch, wristband, or ring, is configured for indicating financial information to a customer. The wearable article includes a communication device configured for receiving a financial indicator from a server. The financial indicator may be communicated ...


4
Matthew A Calman, Erik Stephen Ross: Providing information regarding medical conditions. Bank of America Corporation, Michael A Springs, Moore and Van Allen PLLC, Patrick B Horne, November 12, 2013: US08582850 (6 worldwide citation)

Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition medical conditions can be recognized in the real-time video stream ...


5
David M Grigg, Peter John Bertanzetti, Michael E Toth, Carrie Anne Hanson: User authentication based on historical user behavior. Bank of America Corporation, Michael A Springs, Moore & Van Allen PLLC, Patrick B Horne, November 10, 2015: US09185101 (6 worldwide citation)

Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation ...


6
David M Grigg, Peter John Bertanzetti, Michael E Toth, Carrie Anne Hanson, Elizabeth S Votaw: User authentication based on historical transaction data. Bank of America Corporation, Michael A Springs, Moore & Van Allen PLLC, Patrick B Horne, May 3, 2016: US09331994 (5 worldwide citation)

Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data. Embodiments receive from a user, a request to execute a user action associated with an application, wherein execution of the user action requires validation of auth ...


7
Matthew A Calman, Erik Stephen Ross: Dynamically indentifying individuals from a captured image. Bank of America Corporation, Michael A Springs, Moore and Van Allen PLLC, Patrick B Horne, December 17, 2013: US08611601 (5 worldwide citation)

Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile device, determining, using a processor, which images from the real-time video stream are associated with individuals meeting a user defined criteria, and presenting on a display ...


8
Gunnar Klinghult: Input sensitive user interface. Sony Mobile Communications, Patrick B Horne, Moore & Van Allen PLLC, June 12, 2012: US08198568 (5 worldwide citation)

A device may include a thermo-sensitive, tactile-responsive user interface that may be used in activating and/or deactivating a key lock function to control operation of the user interface.


9
Steven M Stone, Santosh E Bhasker, Alex C Panzano, John P Mitchell: Systems, methods and computer program products for implementing processes relating to retail sales. Lowe s Companies, Moore & Van Allen PLLC, Patrick B Horne, March 22, 2011: US07909241 (4 worldwide citation)

The present invention provides a system that facilitates the selection of purchasable items for use in an environs defined by the customer. In one aspect, the system includes a processing element capable of proposing a plurality of purchasable items to the customer for selection by the customer. The ...


10
David M Grigg, Peter John Bertanzetti, Michael E Toth, Carrie Anne Hanson: User authentication by geo-location and proximity to users close network. Bank of America Corporation, Michael A Springs, Moore & Van Allen PLLC, Patrick B Horne, November 10, 2015: US09185117 (4 worldwide citation)

Embodiments provide user authentication based on proximity to a close network of a user. Embodiments receive from a user a request to execute a user action associated with an application, wherein execution of the user action requires validation of one or more authentication credentials; collect a se ...



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