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公开(公告)号：US10467842B2
公开(公告)日：2019-11-05
申请号：US15462058
申请日：2017-03-17
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
Abstract: A portable item transfer container typically includes an item storage unit and an item transfer unit configured to (i) dispense items stored in the item storage unit and (ii) receive items and store the items in the item storage unit. The container also typically includes a memory, a processor, and an item transfer application stored in the memory. The item transfer application is typically configured to: receive an activity request from a user, wherein the activity request includes (i) a request to withdraw items or (ii) a request to store items; authenticate an identity of the user; determine that the location of the container is within an authorized region of the user; and in response to authenticating the identity of the user and determining that the location of the portable item transfer container is within the authorized region of the user, process the activity request.
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公开(公告)号：US20190319938A1
公开(公告)日：2019-10-17
申请号：US15952095
申请日：2018-04-12
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
Abstract: Embodiments of the present invention provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for facilitating network authentication for real-time interactions using pre-authorized data records. Embodiments receive, at a node of a block chain distributed network, an authentication record associated with a user of a data network; access a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network; determine, from the distributed ledger, whether the authentication record includes effective authentication token; if so, authenticate the user using the authentication token; if not request credentials from the user; receive the credentials from the user; authenticate the credentials; and create an authenticated token based on the authenticated credentials; and record the authenticated token as an updated authentication record on the distributed ledger.
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公开(公告)号：US20190318353A1
公开(公告)日：2019-10-17
申请号：US15952059
申请日：2018-04-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
Abstract: Embodiments of the present invention provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for processing resources-on-delivery interactions in real-time. Embodiments receive, at a node of a block chain distributed network, a smart contract associated with a resources-on-delivery interaction between a first entity and a second entity, access a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network, receive an interaction request associated with the smart contract from a user device of at least one of a first user associated with the first entity or a second user associated with the second entity, determine, from the distributed ledger, that the interaction request meets one or more conditions of the smart contract, process the interaction request by executing the smart contract, and complete an interaction associated with the interaction request.
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公开(公告)号：US20190318333A1
公开(公告)日：2019-10-17
申请号：US15952005
申请日：2018-04-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for solving a computer batch processing problem by building and providing a real-time interaction hub for real-time resource distribution processing. The invention forms connectivity channels to entity and user systems to perform real-time network processing irrespective of legacy processing associated with the entities. In this way, the invention generates an inter-entity level real-time processing with system knowledge of legacy systems for processing and reconciliation. Furthermore, the invention, via the connectivity, provides an indication of the location of the resource distribution within the cycle of entity processing of the resource distribution.
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公开(公告)号：US10437991B2
公开(公告)日：2019-10-08
申请号：US15450729
申请日：2017-03-06
Applicant: BANK OF AMERICA CORPORATION
Abstract: A system for capturing communication variables associated with a communication between two or more parties and implementing a quantum optimizer to analyze the communication variables to determine the actual context of a communication held by one or more parties to the communication. Once the actual context is determined, a further determination is made as to whether the actual context poses or potentially poses a security threat to one or more parties to the communication or a third-party and, if so, notifies the party of the security threat. In this regard, parties to a communication that are unaware of the actual context of the communication held by another party are made aware of that actual context poses a security threat and, in some embodiments, notifies the parties while the communication is still occurring.
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Patent Agency Ranking
公开(公告)号：US10366392B2
公开(公告)日：2019-07-30
申请号：US15404336
申请日：2017-01-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for generating unique marker codes for security implementation and deployment during authentication required resource disbursement. In this way, marker codes may be generated and associated with one or more resource disbursement mechanisms. The marker codes may be distributed and stored at third party devices. Upon identification of an input of a marker code, a specific response may be triggered. One or more marker codes may be associated with each disbursement mechanisms triggering various levels of responses from monitoring the resource disbursement to queuing communication with third party authorities for real-time dispatch. Thus, the system creates marker codes associated with non-obvious cues that control resource disbursement.
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公开(公告)号：US10341854B2
公开(公告)日：2019-07-02
申请号：US15365436
申请日：2016-11-30
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
Abstract: A computer terminal typically includes a retractable conduit and an actuator connected to the retractable conduit. The retractable conduit typically includes a proximal end, a distal end, and a barrier between the proximal end and the distal end. The distal end is typically configured to engage a portal of a vehicle positioned proximate to the computer terminal. The actuator is typically configured to extend the distal end of the retractable conduit away from the computer terminal and toward the portal of the vehicle. The computer terminal is typically configured to determine that the vehicle is proximate to the computer terminal; determine a location of the portal of the vehicle; and transmit a control signal that causes the actuator to extend the distal end of the retractable conduit away from the computer terminal so that the distal end engages the portal of the vehicle.
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公开(公告)号：US20190125203A1
公开(公告)日：2019-05-02
申请号：US15802034
申请日：2017-11-02
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
IPC: A61B5/04 , G06F17/30 , A61B5/0476 , A61B5/00
CPC classification number: A61B5/04012 , A61B5/0476 , A61B5/746 , G06F16/24575 , G06F16/27
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for electroencephalogram triggered resource distribution query. In this way, the system may generate a spectral analysis baseline electroencephalogram reading for a user that can be segmented and analyzed based on a specific time span associated with a known stimulus or event, and diagnostic applications generally focus on either event-related potentials or the like. The system may utilize EEG recognition to identify a user baseline and for tiered velocity/frequency tolerance identification of resource distribution. In this way, based on a tiered velocity/frequency tolerances of the user or the resource distribution system, the user may be alerted of an action control network for management of the resource distribution upon an EEG reading during initiation of the resource distribution.
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公开(公告)号：US20190034922A1
公开(公告)日：2019-01-31
申请号：US15659215
申请日：2017-07-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Martha Sain McClellan , Lee Ann Proud , Ayeesha Sachedina , Calvin William Tackett, JR.
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.
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公开(公告)号：US20180357423A1
公开(公告)日：2018-12-13
申请号：US15621597
申请日：2017-06-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
CPC classification number: G06F21/60 , G06Q20/042 , G07B17/00733 , H04L9/32 , H04L9/3255
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for layering authorization of resource distribution documents within an entity. In this way, the invention generates a multi-step layering process for resource distribution document generation. As such, each individual involved in resource distribution document generation process may add a unique layer to the resource distribution document prior to being authorized for use. Once the several layers have all been applied to the resource distribution document, the document becomes authenticated and approved for use. In some embodiments, the layers may include physical layers on the resource distribution document, such as account numbers, signature lines or the like. In some embodiments, the layers may include digital layers that combine to create a digital or physical marking on the resource distribution document identifying authentication for depositing.
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