Michael Todd Duke

US Patent:

7689508, Mar 30, 2010

Filed:

Nov 20, 2007

Appl. No.:

11/943362

Inventors:

Martin Davis - Charlotte NC, US
Michael Thomas Duke - Monroe NC, US

Assignee:

Wells Fargo Bank N.A. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 39, 455406

Abstract:

Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.

US Patent:

8327450, Dec 4, 2012

Filed:

Jul 19, 2007

Appl. No.:

11/780289

Inventors:

Steven D. Clement - Cornelius NC, US
Michael Thomas Duke - Monroe NC, US

Assignee:

Wells Fargo Bank N.A. - Charlotte NC

International Classification:

G06F 7/04
G06F 17/30
G06F 11/30
G06F 12/14
H04N 7/16

US Classification:

726 26, 726 27, 713189

Abstract:

A system that enables secure data storage into a third party managed electronic storage vault is disclosed. This electronic storage vault provides customers with a secure location to store important data such as insurance policies, automobile titles, deeds, wills, birth certificates, tax documents or the like. An interface can be provided which secures (e. g. , encrypts, digitally signs) data related to transmission, storage and retrieval. A management component can be employed to regulate (e. g. , authenticate) deposit or access of documents to/from the storage vault.

US Patent:

8429071, Apr 23, 2013

Filed:

Feb 15, 2010

Appl. No.:

12/705709

Inventors:

Martin Davis - Charlotte NC, US
Michael Thomas Duke - Monroe NC, US

Assignee:

Wells Fargo, N.A. - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.

US Patent:

20090132392, May 21, 2009

Filed:

Nov 20, 2007

Appl. No.:

11/943365

Inventors:

Martin Davis - Charlotte NC, US
Michael Thomas Duke - Monroe NC, US

Assignee:

WACHOVIA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 28, 705 35, 705 76

Abstract:

Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices.

US Patent:

20090326999, Dec 31, 2009

Filed:

Jun 30, 2008

Appl. No.:

12/164578

Inventors:

Michael Thomas Duke - Monroe NC, US

Assignee:

WACHOVIA CORPORATION - Charlotte NC

International Classification:

G06Q 10/00
G06N 5/02
G06F 3/048

US Classification:

705 7, 705 1, 706 46, 715772

Abstract:

Systems (and corresponding methodologies) for monitoring and tracking the evolution of innovations within organizations, such as corporations, are provided. The innovation employs an image rendering to graphically convey development status. Overall, the innovation discloses a formalized mechanism by which innovations can be progressed from conception to product (or process) development and deployment. Thus, the innovation structures the evolution process of ideas throughout the development from conception to application.

US Patent:

20100106550, Apr 29, 2010

Filed:

Oct 23, 2008

Appl. No.:

12/257202

Inventors:

Michael T. Duke - Monroe NC, US

Assignee:

WACHOVIA CORPORATION - Charlotte NC

International Classification:

G06Q 10/00
G06Q 50/00

US Classification:

705 9

Abstract:

An activity assignment system is provided which establishes a ‘win-win’ environment benefiting both an employer as well as an employee. Generally, the innovation promotes professional development by providing mechanisms to promote volunteer opportunities within business units of an organization. By enabling employees to bid on intra- and inter-unit opportunities, these mechanisms promote cross-training and personal development.

US Patent:

20100114748, May 6, 2010

Filed:

Nov 10, 2008

Appl. No.:

12/291435

Inventors:

Michael T. Duke - Monroe NC, US
Leigh Ferrante - Charlotte NC, US

Assignee:

Wachovia Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

A networked computer system for communicating with a user about spending associated with a payment account of the user. The system comprises a user, a payment account of the user, a web interface for communicating with the user, and a predictive advisor system. The predictive advisor system comprises a predictive advisor engine for monitoring spending activity related to the payment account and for providing financial and savings advice to the user via the web interface.

US Patent:

20100114768, May 6, 2010

Filed:

Dec 18, 2008

Appl. No.:

12/316996

Inventors:

Michael T. Duke - Monroe NC, US
Dean Patrick Nolan - Charlotte NC, US

Assignee:

Wachovia Corporation - Charlotte NC

International Classification:

G06Q 20/00
G06Q 40/00

US Classification:

705 41, 705 35

Abstract:

A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.