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1.发明授权公开(公告)号：US12294612B2
公开(公告)日：2025-05-06
申请号：US18429681
申请日：2024-02-01
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Therese Humburg Willis , Christopher J. Smith , Kathleen Hanko Trombley , Kevin Graham Robberts , Lee Ann Proud , Adam Frederick Perrigo , Ann Ta , Naoll Addisu Merdassa
IPC: H04L9/40 , H04L41/0853 , H04L41/0866 , H04L41/22
Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.
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公开(公告)号：US11880440B2
公开(公告)日：2024-01-23
申请号：US17397484
申请日：2021-08-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Naoll Addisu Merdassa , Kevin Graham Robberts , Ann Ta
IPC: G06F21/31 , G06F40/279
CPC classification number: G06F21/316 , G06F40/279
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a scheme evaluation authentication system to evaluate user action and machine learned pattern recognition for misappropriation activity prevention. In this way, bot and token deployment is utilized for identification of user actions to generate a user idiosyncrasy database. Using the database, the system creates a real-time scheme evaluation authentication for user authentication upon user attempted authentications. As such, a user may by authenticate irrespective of user inputs, but instead based on a match of user actions at the authentication location in real-time compared to the idiosyncrasy database.
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公开(公告)号：US11783271B2
公开(公告)日：2023-10-10
申请号：US17140525
申请日：2021-01-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Ann Ta
IPC: G06Q10/083 , G06Q10/0833 , G06Q10/0835 , G06Q10/0631 , G06Q10/047
CPC classification number: G06Q10/083 , G06Q10/047 , G06Q10/0631 , G06Q10/0833 , G06Q10/08355
Abstract: Systems, computer program products, and methods are described herein for directing resource transfers based on resource distribution data. The present invention may be configured to receive resource distribution data associated with a plurality of resource distributions, where the resource distribution data includes a plurality of resources, a plurality of receiving locations, and a plurality of delivery locations. The present invention may be further configured to receive a target efficiency rate for transfer containers corresponding to a percentage of capacity of the transfer containers occupied while the transfer containers are transferring the resources. The present invention may be further configured to determine, based on the resource distribution data and the target efficiency rate, instructions for achieving the target efficiency rate for the transfer containers while receiving and delivering the plurality of resources from the plurality of receiving locations and to the plurality of delivery locations.
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公开(公告)号：US20230214813A1
公开(公告)日：2023-07-06
申请号：US17568116
申请日：2022-01-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Ann Ta , Martha Sain McClellan
CPC classification number: G06Q20/227 , G06Q40/12
Abstract: Systems, methods, and computer program products are provided for providing data processing channels for alternative resource usage. The method includes determining a vendor data channel from potential vendor data channel(s) for processing a resource transfer with a user. The method also includes determining a vendor data channel resource value for the potential vendor data channel(s). The vendor data channel resource value is higher for a potential vendor data channel corresponding to a secondary vendor than one corresponding to the primary vendor. The method further includes adjusting a resource transfer value corresponding to the resource transfer based on the vendor data channel resource value. The method still further includes causing an execution of the resource transfer with the determined vendor data channel based on the adjusted resource transfer value in response to determining the vendor resource value is adequate to cover the adjusted resource transfer value.
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5.发明公开公开(公告)号：US20230199027A1
公开(公告)日：2023-06-22
申请号：US17553921
申请日：2021-12-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Therese Humburg Willis , Christopher J. Smith , Kathleen Hanko Trombley , Kevin Graham Robberts , Lee Ann Proud , Adam Frederick Perrigo , Ann Ta , Naoll Addisu Merdassa
IPC: H04L9/40 , H04L41/22 , H04L41/0866 , H04L41/0853
CPC classification number: H04L63/18 , H04L63/0876 , H04L63/10 , H04L63/166 , H04L41/22 , H04L63/20 , H04L41/0866 , H04L41/0853
Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.
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Patent Agency Ranking
公开(公告)号：US20230009622A1
公开(公告)日：2023-01-12
申请号：US17372721
申请日：2021-07-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Kevin Graham Robberts , Naoll Addisu Merdassa , Brandon Ingram , Ann Ta , Hosam Sonny ElHamahmy
Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.
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公开(公告)号：US20210400046A1
公开(公告)日：2021-12-23
申请号：US16905462
申请日：2020-06-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Lee Barry Frantz , Lee Ann Proud , Ann Ta
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for dynamic resource interaction allocation based on geographic positioning and usage category information associated with a resource interaction system. The invention receives a base positional location and category of usage for a resource interaction system. The invention determines a set of parameters to be used for interactions having characteristics meeting the determined base positional location and category of usage information. When it receives a proposed interaction from a requesting system containing geographic information and usage category information associated with the proposed interaction, it determines whether the geographic information and usage category information associated with the proposed interaction correspond to the base positional location and category of usage for the resource interaction system. If the information matches, the invention applies the the set of parameters to the interaction to thereby process the interaction.
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公开(公告)号：US20210398148A1
公开(公告)日：2021-12-23
申请号：US16905449
申请日：2020-06-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Lee Barry Frantz , Lee Ann Proud , Ann Ta
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an entity presence interface for identification and tracking of mobile entity presence effectiveness. In this way, the system identifies entity interactions at mobile entity presence locations and subsequently identifies resource generation from the mobile entity presence locations. With this, the system generates a presence resource generation metric that can be compared across various mobile locations for entity review and selection of effective mobile locations for entity presence.
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9.发明申请公开(公告)号：US20250039168A1
公开(公告)日：2025-01-30
申请号：US18911118
申请日：2024-10-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Kevin Graham Robberts , Ann Ta
Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.
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10.发明授权公开(公告)号：US11966779B2
公开(公告)日：2024-04-23
申请号：US17372721
申请日：2021-07-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Kevin Graham Robberts , Naoll Addisu Merdassa , Brandon Ingram , Ann Ta , Hosam Sonny ElHamahmy
CPC classification number: G06F9/5005 , G06F9/451 , G06F21/602
Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.
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