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141.发明申请公开(公告)号：US20180324321A1
公开(公告)日：2018-11-08
申请号：US15588801
申请日：2017-05-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
CPC classification number: H04N1/32267 , G06K15/02 , G06T1/0021 , G06T2201/0051 , H04N1/00408 , H04N2201/0034 , H04N2201/327
Abstract: Embodiments of the invention are directed to a device that physically imprints a paper resource distribution document for verification and authenticity purposes. In this way, the device links to a user network and associates with resource distributions available for the user. Upon authorization of the user into the device, the device may receive input from a user, including an amount for the paper resource distribution document. Upon receiving the information from the user, the device activates and prints a resource distribution document with at least a portion of the paper resource distribution document printed with dimpled or embossed characters. As such, the dimpled or embossed character recognition at distribution of the resource distribution document confirms the paper resource distribution document's authenticity.
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公开(公告)号：US20180253552A1
公开(公告)日：2018-09-06
申请号：US15450729
申请日：2017-03-06
Applicant: BANK OF AMERICA CORPORATION
CPC classification number: G06F21/554 , G06N10/00 , G10L25/63
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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143.发明申请公开(公告)号：US20180247236A1
公开(公告)日：2018-08-30
申请号：US15443020
申请日：2017-02-27
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado
CPC classification number: G06Q10/0631 , G06N5/003 , G06N10/00
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for a lineage identification and tracking system. The system generates codes each resource instrument created, such as physical or paper resource instrument, with an index that can track the instrument via a qubit. The coded index is stored. During the life of the resource instrument a quantum optimizer may be utilized for lineage tracking of the instrument. Thus, generating an assigned traceability finger print for the life of the instrument generating a lineage tree. Thus, the invention identifies the instrument and that the instrument can only be at one place at one time, thus providing aid in detecting misappropriation of physical or paper resource instruments.
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公开(公告)号：US10049533B2
公开(公告)日：2018-08-14
申请号：US15860332
申请日：2018-01-02
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
CPC classification number: G07F19/205 , G05B15/02 , G06F21/84 , G07C9/00126 , G07F19/201 , H04W12/02
Abstract: A computer terminal located in an environment may include an actuator, retractable privacy barrier attached to the computer terminal by the actuator, a display, a memory, a processor, and a terminal application stored in the memory. The actuator is typically configured to extend the retractable privacy barrier to thereby reduce viewability of the computer terminal. The terminal application is typically configured for initiating an interactive session with a user, determining that a trigger event has occurred, and in response to determining that the trigger event has occurred, transmitting a control signal to the actuator, the control signal causing the actuator to extend the retractable privacy barrier. The present invention is further configured for monitoring one or more parameters of the environment, and displaying, via the display, data associated with the one or more parameters of the environment.
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公开(公告)号：US10038607B2
公开(公告)日：2018-07-31
申请号：US15185542
申请日：2016-06-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Stephen A. Corrado , Victoria L. Dravneek , Manu Jacob Kurian , Toni J. Moore , Phillip Wade Mork , Evan Sachs , Alicia C. Jones-McFadden , Matthew Hsieh , Michael Emil Ogrinz
CPC classification number: H04L43/06 , H04L67/125 , H04L67/18 , H04W4/70 , H04W12/00
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for aggregation of machine-initiated resource distribution. The invention generates a smart device portal for linkage of user associated smart devices. The portal generates code to extract data from the smart devices and control the communications disseminated from and received by the smart device from third parties. Thus, the generated portal and coded stored signal fixes the technical challenges within the current network including the need to consolidate and aggregate data across smart devices associated with the user, the need to control and manage the flow of data packets from smart devices to third parties (privacy, filtering, protection), and the need to easily track and refresh an inventory of smart devices in a manner that allows key data to remain associated with the user while the user's inventory, device associations, and personal/business associations change over time.
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Patent Agency Ranking
公开(公告)号：US20180197181A1
公开(公告)日：2018-07-12
申请号：US15404336
申请日：2017-01-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
CPC classification number: G06Q20/4012 , G06Q20/1085 , G07F7/1016 , G07F7/1025
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 maybe 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：US20170278098A1
公开(公告)日：2017-09-28
申请号：US15082964
申请日：2016-03-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Stephen A. Corrado , Phillip Wade Mork , Sasidhar Purushothaman , Evan Sachs
CPC classification number: G06Q20/367 , G06Q20/085 , G06Q20/12 , G06Q20/42
Abstract: A system for securely distributing resources includes a smart device and a third party system each having a network communication interface, a memory device and a processing device. In the smart device the processing device is configured to: communicate host information from the smart device to an associated host entity system; and communicate resource distribution information from the smart device to a third party system. The resource distribution information is usable by the third party system to securely distribute a resource from the third party system to the host entity system. In the third party system the processing device is configured to: receive resource distribution information from the smart device where the resource distribution information is used to distribute a resource to the host entity system; and distribute the resource to the host entity system based on the resource distribution information.
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公开(公告)号：US20170243208A1
公开(公告)日：2017-08-24
申请号：US15049716
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado , Richard Huw Thomas
Abstract: Systems, computer program products, and methods are described herein for a system for control of device identity and usage in a process data network. The present invention is configured to receive an indication that a user has executed a transaction using a mobile device; receive a request to validate mobile device identity; retrieve financial credentials from the mobile device; retrieve device information associated with the mobile device used in the execution of the transaction; determine whether the retrieved financial credentials and the device information meet a condition of the block chain; receive an indication that the retrieved financial credentials and the device information meet the condition of the block chain thereby validating the request; and allow the execution of the transaction to be completed based on at least receiving the indication that the retrieved financial credentials and the device information meet the condition of the block chain.
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149.发明授权公开(公告)号：US12294612B2
公开(公告)日：2025-05-06
申请号：US18429681
申请日：2024-02-01
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Therese Humburg Willis , Christopher J. Smith , Kathleen Hanko Trombley , Kevin Graham Robberts , Lee Ann Proud , Adam Frederick Perrigo , Ann Ta , Naoll Addisu Merdassa
IPC: H04L9/40 , H04L41/0853 , H04L41/0866 , H04L41/22
Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.
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公开(公告)号：US12099618B2
公开(公告)日：2024-09-24
申请号：US17343103
申请日：2021-06-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Naoll Addisu Merdassa
CPC classification number: G06F21/6209 , G06N20/00 , G06T7/0002 , G06T2207/20081
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.
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