公开(公告)号：US20210042211A1

公开(公告)日：2021-02-11

申请号：US16534911

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: G06F11/36 ,  G06F11/07 ,  G06F11/14

Abstract: A system for customizing and testing software application platforms is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: generate an application test environment, the application test environment being connected to an internal database comprising one or more application modules, wherein the one or more application modules may be selectively activated in the application test environment; extract external data from an external data source associated with the user, the external data being associated with a preexisting application platform; import the external data into the application test environment; and construct a new application platform in the application test environment, wherein the external data is integrated into the application test environment with the one or more application modules of the internal database.

公开(公告)号：US20210035118A1

公开(公告)日：2021-02-04

申请号：US16927524

申请日：2020-07-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Eric A. Moore

IPC: G06Q30/00

Abstract: An integrated interaction security system that is utilized not only to view traditional activity that may suggest potential misappropriation within an interaction between entities, but also to analyze the resource pools and/or interactions thereof that are unrelated to the interaction and resource pools that resulted in the identification of potential misappropriation. As such, the integrated interaction security system may be used to identify if misappropriation actually occurred and/or in order to identify the misappropriator in the interaction.

公开(公告)号：US10812574B2

公开(公告)日：2020-10-20

申请号：US16594298

申请日：2019-10-07

Applicant: Bank of America Corporation

Inventor： Akiva D. Kates ,  Joseph Benjamin Castinado ,  Rob Oddy ,  Brandon Castagna

IPC: H04L29/08 ,  G06F3/0482 ,  G06Q20/20 ,  G06Q30/06 ,  G06Q40/04 ,  G06Q20/38 ,  G06Q40/02 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/10

Abstract: Aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator and a dynamic endpoint engine. A computing platform may receive, from a client computing device, event definition information defining an event. Subsequently, the computing platform may receive, from a recipient computing device associated with the event, a request for a recipient-selection user interface, and may determine that a dynamic endpoint option is available for a user of the recipient computing device. Thereafter, the computing platform may send, to the recipient computing device, a delivery selection user interface that includes a user-selectable option that, when invoked, causes the computing platform to create a new endpoint. The computing platform may receive delivery selection information from the recipient computing device, and may generate and send one or more event orchestration commands directing an event processor to execute one or more actions associated with the event.

公开(公告)号：US10805234B2

公开(公告)日：2020-10-13

申请号：US16154317

申请日：2018-10-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall ,  Andrew S. Heiman

IPC: G06F15/16 ,  H04L12/911 ,  G06F9/50 ,  H04L29/08 ,  G06Q30/02 ,  G06Q30/06 ,  H04W4/08

Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like). The interaction terminals of the product providers may create and allow for the use of interaction zones, which allows for the identification of users that are a part of the interaction network, allows users to receive specialized offers, allows for direct transfer of resources within an organization that by-pass traditional resource processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.

公开(公告)号：US20200242509A1

公开(公告)日：2020-07-30

申请号：US16262427

申请日：2019-01-30

Applicant: Bank of America Corporation

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

IPC: G06N20/00 ,  G06F16/21 ,  G06Q20/02

Abstract: A system for event data extraction for real-time event modeling and resolution may be configured for: processing a plurality of event requests associated with a first user, wherein processing each event request comprises: identifying an event content field in the event request, extracting event data from the event content field, wherein the extracted event data comprising information regarding a future resource transfer commitment, and storing the extracted event data in an event data repository; receiving a request or offer acceptance from the first user for a temporary resource transfer having a temporary resource transfer amount; analyzing the extracted event data to determine a capacity of the first user to return the temporary resource transfer amount based on future resource transfer commitments associated with the first user; and based on the capacity of the first user to return the temporary resource transfer amount, completing the temporary resource transfer.

公开(公告)号：US20200211046A1

公开(公告)日：2020-07-02

申请号：US16238158

申请日：2019-01-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

IPC: G06Q30/02 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q20/18 ,  G06Q20/30

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for converting accumulated digitally stored auxiliary resources, via real-time transformation, into unrestricted resources for utilization in a technology activity. In this way, the invention identifies historic technology activities that qualify for auxiliary resources generation and stores those auxiliary resources relative to entities accepting the auxiliary resources. At the time of a technology activity, the invention identifies the entity associated with the activity and, in real-time converts and transmits available auxiliary resources to a user for use as unrestricted resources for the activity.

公开(公告)号：US20200112519A1

公开(公告)日：2020-04-09

申请号：US16154317

申请日：2018-10-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall ,  Andrew S. Heiman

IPC: H04L12/911 ,  G06F9/50 ,  G06Q30/02 ,  G06Q30/06 ,  H04W4/08

Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like). The interaction terminals of the product providers may create and allow for the use of interaction zones, which allows for the identification of users that are a part of the interaction network, allows users to receive specialized offers, allows for direct transfer of resources within an organization that by-pass traditional resource processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.

公开(公告)号：US20200005398A1

公开(公告)日：2020-01-02

申请号：US16020485

申请日：2018-06-27

Applicant: Bank of America Corporation

Inventor： Joseph Benjamin Castinado ,  Lee Ann Proud

IPC: G06Q40/08 ,  G06Q20/02 ,  G06Q40/02 ,  H04L29/06

Abstract: Embodiments of the present invention provide a system for providing real-time event analysis and resolution associated with a managing entity. A system of the managing entity receives, from a first entity, a message that comprises at least an event request associated with a first user and a second user, where an event amount associated with the event request has been automatically transferred from an account of the first entity to an account of the managing entity via a clearing house system. The managing entity system subsequently receives an event analysis request from the second user, and identifies event information from the message. An event resolution is then determined based on the event information and the event resolution is automatically implemented in real time.

公开(公告)号：US20190392044A1

公开(公告)日：2019-12-26

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 ,  G06F3/06 ,  G06F11/14

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：US20190385165A1

公开(公告)日：2019-12-19

申请号：US16552069

申请日：2019-08-27

Applicant: Bank of America Corporation

Inventor： Joseph Benjamin Castinado ,  Manu Jacob Kurian

IPC: G06Q20/40 ,  H04L29/06

Abstract: Systems, computer program products, and methods are described herein for a system to enable contactless access to a transaction terminal using a process data network. The present invention is configured to electronically receive from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device; retrieve, from the user device, a unique identifier associated with the user device; compare the unique identifier with a block chain of authentication information associated with the user to determine whether the unique identifier meets a condition associated with the block chain authentication information; receive an indication that the unique identifier meets the condition of the block chain thereby validating user identity; and allow the user to access the transaction terminal based on at least receiving the indication that the unique identifier meets the condition of the block chain.