公开(公告)号：US20220414651A1

公开(公告)日：2022-12-29

申请号：US17896212

申请日：2022-08-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall ,  Martha Sain McClellan ,  Lee Ann Proud ,  Ayeesha Sachedina ,  Calvin William Tackett, Jr.

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q40/02 ,  G06F16/182 ,  G06F16/18 ,  G06Q20/22

Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.

公开(公告)号：US20220398330A1

公开(公告)日：2022-12-15

申请号：US17343103

申请日：2021-06-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa

IPC: G06F21/62 ,  G06T7/00 ,  G06N20/00

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for intelligent verification of digital files via the analysis of metadata and other file characteristics. The system is adaptive, in that it can be adjusted based on the needs or goals of the user utilizing it, or may intelligently and proactively adapt based on the files or data received for processing. The system may be seamlessly embedded within existing applications or programs that the user may already use to interact with one or more entities.

公开(公告)号：US11469908B2

公开(公告)日：2022-10-11

申请号：US16534812

申请日：2019-08-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Lee Ann Proud ,  Joseph Benjamin Castinado ,  Martha Sain McClellan ,  Kathleen Hanko Trombley

IPC: H04L9/32 ,  G06F8/61 ,  H04L41/00 ,  H04L47/70 ,  H04L67/10 ,  H04L12/66

Abstract: A system that provides for management of resource interaction equipment fulfillment via a gateway apparatus that uses Application Programming Interface (API) services to connect and integrate with the various systems deployed by the equipment providers, such that, all data communication between the managing entity and the equipment providers is orchestrated through the gateway apparatus to track the occurrence of events associated with resource interaction equipment fulfillment. Additionally, a distributed trust computing network is implemented in which each of the equipment providers serve as a decentralized node in the distributed trust computing network capable of converging on a data block to verify the validity of the equipment fulfillment process event stored in the block.

公开(公告)号：US20220245606A1

公开(公告)日：2022-08-04

申请号：US17163262

申请日：2021-01-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Kumar Chauhan ,  Joseph Benjamin Castinado ,  Kapil Chhibber ,  Naoll Addisu Merdassa ,  Ann Ta ,  Kathleen Hanko Trombley

IPC: G06Q20/10 ,  H04L29/06 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/42 ,  G05B19/042

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for adaptive dynamic multi-directional resource transmissions. The invention is structured for dynamically authenticating an activity between network devices, identifying resource deficiencies associated with network devices, and deploying adapted mitigation resources at one or more network devices in real-time, and without requiring discontinuation of the activity. Specifically, the invention is structured to determine a first resource deficiency associated with the first resource. In response, the system is structured to transmit a first adapted mitigation resource of the one or more adapted mitigation resources to the first resource in a transmission direction, triggering transmission of a first resource quantity from the first resource to an entity resource on another transmission direction.

公开(公告)号：US20220121494A1

公开(公告)日：2022-04-21

申请号：US17566394

申请日：2021-12-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Lee Ann Proud ,  Martha Sain McClellan ,  Joseph Benjamin Castinado ,  Kathleen Hanko Trombley

IPC: G06F9/50 ,  G06F9/46 ,  G06Q20/10

Abstract: A system generates electronic alerts through predictive analysis of resource conversions. The system may continuously monitor executed resource transfers to generate historical resource transfer data. Based on the historical resource transfer data, the system may generate a predicted outcome of executing transfers of resources in a first format compared to transfers of resources in a second format. The predicted outcome may then be implemented by the system to select a resource format for transfers occurring in the future and/or at specified intervals.

公开(公告)号：US20210311785A1

公开(公告)日：2021-10-07

申请号：US16837847

申请日：2020-04-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Paulette LaShon Bryant ,  Kathleen Hanko Trombley ,  Therese Humburg Willis ,  Paul Benton Murphy ,  Lee Ann Proud

IPC: G06F9/50 ,  H04L29/06 ,  G06Q20/02

Abstract: Embodiments of the invention are directed to a system, method, or computer program product generation and analysis of real-time resource requests via a resource platform. A resource platform is provided for receiving and automating the management and processing of resource requests submitted by entities or users. The system embraces a fully digital approach to resource request processing, analysis, authentication, and reporting. In addition, the invention allows for analysis of reconciliation data of executed resource transfers for identification of useful trends that can be used for proactive accommodation of entity policies to align with perceived user preferences.

公开(公告)号：US11128575B2

公开(公告)日：2021-09-21

申请号：US16041181

申请日：2018-07-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: H04L12/911 ,  G06F9/54 ,  H04L29/08 ,  G06F16/245 ,  G06F16/25

Abstract: Embodiments of the present invention provide a system for increasing processing efficiency through automated resource field transformation. A message with multiple resource fields is received, and a first resource field is identified as being populated with a burdensome resource element. The burdensome resource element is extracted from the first resource field, creating a slim version of the message that is processed through normal procedures to execute an associated event. The burdensome resource element is routed to a burdensome resource processing system. The burdensome resource processing system can store the burdensome resource element until the burdensome resource element is requested by a user, and then transfer the burdensome resource element to the user after specialized processing of the element. Alternatively, the burdensome resource processing system may be a specialized processing system that processes the burdensome resource element's type more efficiently than the general processing procedures used to process the slim message.

公开(公告)号：US20210208938A1

公开(公告)日：2021-07-08

申请号：US17207960

申请日：2021-03-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Richard C. Clow, II ,  Joseph Benjamin Castinado

IPC: G06F9/50 ,  H04L29/06 ,  G06F9/54

Abstract: Initiating the processing of resource events across disparate real-time processing networks, such as networks located international. In order to facilitate such resource events determinations are made that authorize the resource event participants to conduct the resource event across the international real-time processing networks. Once properly authorized the present invention provides for processing parameters to be determined, which may be specific to anyone of the resource participants and/or international real-time processing networks. Such processing parameters may be related to rules associated with settlement of the resource event, conversion rules for the international conversion of resources, resource sponsorship and the like. Once the resource event has been authorized and processing parameters determined, commands are sent to the respective interconnected international real-time processing networks that initiate the real-time processing of the resource event.

公开(公告)号：US10997117B2

公开(公告)日：2021-05-04

申请号：US16018905

申请日：2018-06-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Chung-Di Chou ,  Bonnie L. Dolan ,  Lee Ann Proud ,  Lisa Janette Ebba Weekes

IPC: G06F17/30 ,  G06F16/11 ,  G06F3/06 ,  G06F11/14 ,  G06F16/27 ,  G06F16/23

Abstract: A real-time data processing system is provided comprising a memory device with computer-readable program code stored thereon, a communication device in communication with a network, and a processing device operatively coupled to the memory device and the communication device. The system establishes an operable communication linkage with a first entity system and a second entity system, the first entity system and the second entity system sharing access to a resource repository stored on the second entity system. The system generates a repository image of the resource repository and tracks an interaction with the resource repository in real-time. Based on the tracked interaction, the system synchronizes the repository image with the resource repository, wherein synchronizing the repository image comprises mirroring the interaction on the repository image and updating the first entity system based on the repository image.

公开(公告)号：US10929545B2

公开(公告)日：2021-02-23

申请号：US16050149

申请日：2018-07-31

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Samuel Massa Moiyallah, Jr.

IPC: G06F21/60 ,  G06F21/62 ,  H04L9/06 ,  G06F16/11

Abstract: Systems, computer program products, and methods are provided for storing data files within a distributed trust computing network, such as a blockchain network, which acts as a source of truth for the digital copy. In response to storing the data file within the distributed trust computing network, a machine-readable code is generated that when read by an authorized entity provides access to the certified digital copy stored within the distributed trust computing network. In this regard the machine-readable code serves as a pointer to the distributed trust computing network and the storage location within the trust network and, in specific embodiments the code is dynamic so as to provide access privileges (e.g., security credentials required to access, the content authorized to access, duration period for accessing and the like).