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公开(公告)号：US11706225B1
公开(公告)日：2023-07-18
申请号：US17734619
申请日：2022-05-02
Applicant: BANK OF AMERICA CORPORATION
Inventor： Steven Michael Twombly , Sara A. Walsh , Tony England , Robertson Walters Greenbacker , Bradley Ryan Holland
IPC: H04L47/762 , H04L9/40 , H04L47/78 , H04L47/70
CPC classification number: H04L63/102 , H04L47/762 , H04L47/781 , H04L47/828
Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring. The invention is configured to receive a processing request to initiate a processing network session, wherein the processing network session is associated with the processing of a first activity; receive, a processing interaction request to access a first resource associated with the user; extract a resource processing value associated with the first activity from the processing parameter data structure; determine whether the resource processing value is associated with triggering at least one block intervention step; block the entity input device from accessing the first resource in response to determining that the resource processing value is associated with triggering the at least one block intervention step during processing of the first activity; transmit a block notification to the entity input device; and trigger display of a success notification at an end-user application.
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公开(公告)号：US11631067B2
公开(公告)日：2023-04-18
申请号：US17153399
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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公开(公告)号：US20230353576A1
公开(公告)日：2023-11-02
申请号：US18202049
申请日：2023-05-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Steven Michael Twombly , Sara A. Walsh , Tony England , Robertson Walters Greenbacker , Bradley Ryan Holland
IPC: H04L9/40 , H04L47/78 , H04L47/70 , H04L47/762
CPC classification number: H04L63/102 , H04L47/781 , H04L47/828 , H04L47/762
Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring. The invention is configured to receive a processing request to initiate a processing network session, wherein the processing network session is associated with the processing of a first activity; receive, a processing interaction request to access a first resource associated with the user; extract a resource processing value associated with the first activity from the processing parameter data structure; determine whether the resource processing value is associated with triggering at least one block intervention step; block the entity input device from accessing the first resource in response to determining that the resource processing value is associated with triggering the at least one block intervention step during processing of the first activity; transmit a block notification to the entity input device; and trigger display of a success notification at an end-user application.
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公开(公告)号：US11797621B2
公开(公告)日：2023-10-24
申请号：US17215751
申请日：2021-03-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robertson Walters Greenbacker , Tony England
IPC: G06F16/00 , G06F16/9535 , G06Q20/38 , H04L9/40 , G06F16/954
CPC classification number: G06F16/9535 , G06F16/954 , G06Q20/388 , G06Q20/3821 , H04L63/08
Abstract: Additional user data in resource transfer event messaging is leveraged for generating customized and refined web browsing experiences. Resource transfer messages are configured to include, not only the user data required to affect the resource transfer, but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to a resource storage entity, which stores the other user data in resource transfer event repository. In response to a user authenticating with the resource storage entity and accessing a distributed communication network, such as the Internet or the like, the user records are accessed and the additional user data is used to customize the websites that the user navigates.
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5.发明授权公开(公告)号：US11436067B1
公开(公告)日：2022-09-06
申请号：US17215740
申请日：2021-03-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robertson Walters Greenbacker , Tony England
IPC: G06F9/54
Abstract: Configuring resource transfer event messages to include, not only the user data required to affect the resource transfer (e.g., resource repository identifier and the like), but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to resource storage entities that subsequently store user records that associate users with the resource transfer events and the additional user data. In this regard, a security benefit is realized, in that, resource storage entities can leverage the additional data to investigate potential nefarious actions. Moreover, by including the additional user information in resource transfer event messages communicated to resource storage entities, the volume of resource transfer event messages or other network-based messages is lessened thereby limiting network traffic and making the overall process more efficient and effective.
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Patent Agency Ranking
6.发明公开公开(公告)号：US20230367643A1
公开(公告)日：2023-11-16
申请号：US17743286
申请日：2022-05-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Steven Michael Twombly , Tony England , Robertson Walters Greenbacker , Bradley Ryan Holland , Sara A. Walsh
IPC: G06F9/50
CPC classification number: G06F9/5061
Abstract: Embodiments of the present invention provide a system for identification and management of layered dependent resource distribution devices. The system is configured for receiving an expunge request from a user to expunge a resource distribution device, via a user interface, determining one or more layered dependent resource distribution devices associated with the resource distribution device, displaying the one or more layered dependent resource distribution devices to the user, via the user interface, receiving a selective expunge request to expunge at least one layered dependent resource distribution device of the one or more layered dependent resource distribution devices, and expunging the resource distribution device associated with the expunge request and the at least one layered dependent resource distribution device of the one or more layered dependent resource distribution devices associated with the selective expunge request.
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公开(公告)号：US20220309113A1
公开(公告)日：2022-09-29
申请号：US17215751
申请日：2021-03-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Robertson Walters Greenbacker , Tony England
IPC: G06F16/9535 , G06Q20/38 , G06F16/954 , H04L29/06
Abstract: Additional user data in resource transfer event messaging is leveraged for generating customized and refined web browsing experiences. Resource transfer messages are configured to include, not only the user data required to affect the resource transfer, but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to a resource storage entity, which stores the other user data in resource transfer event repository. In response to a user authenticating with the resource storage entity and accessing a distributed communication network, such as the Internet or the like, the user records are accessed and the additional user data is used to customize the websites that the user navigates.
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公开(公告)号：US20220230149A1
公开(公告)日：2022-07-21
申请号：US17153399
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (TOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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9.发明公开公开(公告)号：US20230367646A1
公开(公告)日：2023-11-16
申请号：US17743155
申请日：2022-05-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Tony England , Steven Michael Twombly , Robertson Walters Greenbacker , Bradley Ryan Holland , Sara A. Walsh
IPC: G06F9/50
CPC classification number: G06F9/5072 , G06F9/505 , G06F9/5083
Abstract: A system is also provided for intelligent type-based implementation of restrictions on resource transfers. In this regard, the system may allow for resource transfers set according to a preset resource transfer pattern to be executed while restricting net new resource transfers upon compromise of the resource transfer instrument. Subsequently, the system may use a machine learning model to analyze the attributes of incoming resource transfer requests and determine whether the resource transfer should be allowed or restricted based on the preset resource transfer pattern. In this way, the system may provide a way to fine-tune restrictions on executing resource transfers.
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公开(公告)号：US20230070674A1
公开(公告)日：2023-03-09
申请号：US17466152
申请日：2021-09-03
Applicant: BANK OF AMERICA CORPORATION
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a pre-endorsement decisioning matrix for adapted delayed trigger resource distribution programs. The invention utilizes machine learning to perform real-time obligation extraction and population with respect to adapted delayed trigger resource distribution programs. The matrix performs two functions with respect to adapted delayed trigger resource distributions. First, the system performs a right of real-time modification of an adapted delayed trigger resource distribution occurring between a user and product producer. Second, the system performs a right to extend product opportunities to a user bases on user historic adapted delayed trigger resource distribution obligation satisfaction.
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