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Steven Michael Twombly

This inventor holds 30 USPTO granted patents and 22 published patent applications and 1 EPO patent. Top assignees: Bank of America Corporation, Visa U.s.a. Inc.. Active years: 2011-2025.

USPTO Granted Patents = 30 (Patent Applications = 22)

% Patents Active = 100.0

EPO Patents = 1

Average Co-Inventor Count = 4.6

ph-index = 3

Forward Citations = 37(Granted Patents)

Company Filing History:

29 out of 6,574

Bank of America Corporation

where one patent can have more than one assignee

Years Active: 2011-2025

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Areas of Expertise:

Resource Distribution

Dynamic Authentication

Geo-Location Services

Real-Time Data Transfer

Automobile Integration

Collision Identification

Mobile Device Technology

Embedded Resource Tags

Routing Network Optimization

User Data Management

Two-Factor Authentication

Dynamic Resource Management

30 patents (USPTO):Sort by Forward CitationsExplore Patents

1. 12437086 - System for improving the resource event device removal process (2025-10-07),

2. 12405833 - System for implementing dynamic authentication restrictions for resource instrument use (2025-09-02),

3. 12346742 - System for intelligent type-based implementation of restrictions on resource transfers (2025-07-01),

4. 11973764 - System for source independent but source value dependent transfer monitoring (2024-04-30),

5. 11889480 - Resource distribution hub generation on a mobile device (2024-01-30),

6. 11716290 - Electronic system for dynamic linking of resource data structures across distributed networks (2023-08-01),

7. 11706225 - System for source independent but source value dependent transfer monitoring (2023-07-18),

8. 11645911 - System, medium, and method for real-time data services based on geo-location information (2023-05-09),

9. 11354634 - System for layered digital resource distribution in an electronic network environment (2022-06-07),

10. 11322029 - System, medium, and method for real-time data services based on geo-location information (2022-05-03),

11. 11234235 - Resource distribution hub generation on a mobile device (2022-01-25),

12. 11196737 - System for secondary authentication via contactless distribution of dynamic resources (2021-12-07),

13. 10998937 - Embedded tag for resource distribution (2021-05-04),

14. 10990109 - Integrated connectivity of devices for resource transmission (2021-04-27),

15. 10979306 - System for backend resource management simulation and live deployment (2021-04-13),

Title: Steven Michael Twombly - The Innovative Mind from Saco

Introduction: Steven Michael Twombly is a renowned inventor hailing from Saco, Maine. His creative spirit and dedication to innovation have led to remarkable contributions in the field of patents and inventions.

Latest Patents: Steven Michael Twombly holds several patents in various industries, showcasing his versatility and ingenuity in creating novel solutions to complex problems.

Career Highlights: Throughout his career, Steven Michael Twombly has demonstrated a keen ability to transform ideas into tangible inventions. His passion for innovation has driven him to push the boundaries of what is possible in the world of patents.

Collaborations: Steven Michael Twombly has collaborated with leading experts in the field, leveraging their knowledge and expertise to bring his inventions to life. His collaborative efforts have resulted in groundbreaking innovations that have made a significant impact.

Conclusion: Steven Michael Twombly's journey as an inventor exemplifies the power of creativity and perseverance in driving meaningful change through patents and inventions. His legacy continues to inspire aspiring inventors to think outside the box and pursue their innovative ideas.

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