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    DATABASE PROCESSING SYSTEM FOR MULTIPLE DESTINATION PAYLOADS
    92.
    发明申请
    DATABASE PROCESSING SYSTEM FOR MULTIPLE DESTINATION PAYLOADS 审中-公开
    用于多目标载荷的数据库处理系统

    公开(公告)号：US20160352700A1

    公开(公告)日：2016-12-01

    申请号：US15165433

    申请日：2016-05-26

    申请人： Bank of America Corporation

    发明人： Joseph Benjamin Castinado ,  Kathryn Elizabeth Guthrie ,  Tracey Mochnal ,  Kimberly Craig Turner

    IPC分类号： H04L29/06 ,  H04L29/08 ,  G06F17/30 ,  H04L12/58

    CPC分类号： G06F17/3048 ,  H04L51/18 ,  H04L67/327

    摘要： Aspects of the present disclosure are directed to electronic data transfer methods and systems for multiple recipient destination processing. A plurality of computer readable memory locations in a computer readable database associated with a first entity computer system is maintained. Electronically, via a computer-based data communications network, an instruction is received for electronic data transfer EDI data payload including a stored value data attribute, and data transfer request attribute, and a first recipient destination and a second recipient destination; wherein the first recipient destination and the second recipient destination are associated with different recipient virtual memory locations. Responsive to the data transfer request attribute request being extracted, EDI data payload associated with the stored value data attribute to the first recipient destination and the second recipient destination is transmitted.

    摘要翻译： 本公开的方面针对用于多个接收方目的地处理的电子数据传送方法和系统。 维持与第一实体计算机系统相关联的计算机可读数据库中的多个计算机可读存储器位置。 电子地，通过基于计算机的数据通信网络，接收到包括存储值数据属性和数据传输请求属性的电子数据传送EDI数据有效载荷的指令，以及第一接收目的地和第二接收目的地; 其中所述第一收件人目的地和所述第二收件人目的地与不同的接收者虚拟存储器位置相关联。 响应于提取的数据传送请求属性请求，发送与存储值数据属性相关联的与第一接收方目的地和第二接收方目的地相关联的EDI数据有效载荷。

    Scheme evaluation authentication system
    97.
    发明授权
    Scheme evaluation authentication system 有权

    公开(公告)号：US11880440B2

    公开(公告)日：2024-01-23

    申请号：US17397484

    申请日：2021-08-09

    申请人： BANK OF AMERICA CORPORATION

    发明人： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

    IPC分类号： G06F21/31 ,  G06F40/279

    CPC分类号： G06F21/316 ,  G06F40/279

    摘要： 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.

    System for directing resource transfers based on resource distribution data
    98.
    发明授权
    System for directing resource transfers based on resource distribution data 有权

    公开(公告)号：US11783271B2

    公开(公告)日：2023-10-10

    申请号：US17140525

    申请日：2021-01-04

    申请人： BANK OF AMERICA CORPORATION

    发明人： Joseph Benjamin Castinado ,  Ann Ta

    IPC分类号： G06Q10/083 ,  G06Q10/0833 ,  G06Q10/0835 ,  G06Q10/0631 ,  G06Q10/047

    CPC分类号： G06Q10/083 ,  G06Q10/047 ,  G06Q10/0631 ,  G06Q10/0833 ,  G06Q10/08355

    摘要： 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.

    System for predictive product replacement cycling
    99.
    发明授权
    System for predictive product replacement cycling 有权

    公开(公告)号：US11763224B2

    公开(公告)日：2023-09-19

    申请号：US17140518

    申请日：2021-01-04

    申请人： BANK OF AMERICA CORPORATION

    发明人： Joseph Benjamin Castinado ,  Kapil Chhibber

    IPC分类号： G06Q10/0631 ,  G06N20/00

    CPC分类号： G06Q10/06315 ,  G06N20/00

    摘要： Embodiments of the invention are directed to systems, methods, and computer program products for utilizing machine learning to calculate product replacement cycle times and predict resource transfers associated with said product replacements. As such, the system allows for receipt of resource transfer datasets which are processed along with historical datasets via a machine learning engine. The system may then identify data trends and generate predictions of future resource transfers associated with product or service lifecycles. Furthermore, the system may also identify potential merchants or other third-party systems which may be associated with the predicted future transfers.