公开(公告)号：US11475438B2

公开(公告)日：2022-10-18

申请号：US16564781

申请日：2019-09-09

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：US11349778B2

公开(公告)日：2022-05-31

申请号：US17465947

申请日：2021-09-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: H04L47/70 ,  G06F9/54 ,  H04L67/10 ,  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：US11270313B2

公开(公告)日：2022-03-08

申请号：US16285497

申请日：2019-02-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Paul Benton Murphy ,  Joseph Benjamin Castinado ,  Richard C. Clow, II ,  Charles Russell Kendall

IPC: G06Q20/42 ,  G06Q40/02 ,  G06Q20/02

Abstract: Embodiments of the present invention provide a system for real-time resource account verification processing for authentication of a user. The system provides a communication linkage between entities that are real-time payment network enabled participates to communication and confirm account verification. As such, via RFI messaging an entity may request verification of user resource accounts. The system may identify the entity associated with the resources, deploy a secure communication via the RFI messaging platform, and receive a verification in real-time. The system allows for performance of this communication on a backend secure RFI messaging center without third party knowledge of account verification processing. Thus limiting verification, disruption, and processing lag.

公开(公告)号：US11250455B2

公开(公告)日：2022-02-15

申请号：US16238158

申请日：2019-01-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

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

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：US20210400046A1

公开(公告)日：2021-12-23

申请号：US16905462

申请日：2020-06-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Lee Barry Frantz ,  Lee Ann Proud ,  Ann Ta

IPC: H04L29/06 ,  G06F9/50 ,  G06F16/29 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q20/10 ,  G06Q20/20

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for dynamic resource interaction allocation based on geographic positioning and usage category information associated with a resource interaction system. The invention receives a base positional location and category of usage for a resource interaction system. The invention determines a set of parameters to be used for interactions having characteristics meeting the determined base positional location and category of usage information. When it receives a proposed interaction from a requesting system containing geographic information and usage category information associated with the proposed interaction, it determines whether the geographic information and usage category information associated with the proposed interaction correspond to the base positional location and category of usage for the resource interaction system. If the information matches, the invention applies the the set of parameters to the interaction to thereby process the interaction.

公开(公告)号：US20210398148A1

公开(公告)日：2021-12-23

申请号：US16905449

申请日：2020-06-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Lee Barry Frantz ,  Lee Ann Proud ,  Ann Ta

IPC: G06Q30/02 ,  G06Q20/32

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an entity presence interface for identification and tracking of mobile entity presence effectiveness. In this way, the system identifies entity interactions at mobile entity presence locations and subsequently identifies resource generation from the mobile entity presence locations. With this, the system generates a presence resource generation metric that can be compared across various mobile locations for entity review and selection of effective mobile locations for entity presence.

公开(公告)号：US11176498B2

公开(公告)日：2021-11-16

申请号：US16692253

申请日：2019-11-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

IPC: G06Q10/06 ,  G06N10/00 ,  G06N5/00

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.

公开(公告)号：US11030621B2

公开(公告)日：2021-06-08

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 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/38 ,  H04L29/06 ,  H04W12/06 ,  H04L9/32

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.

公开(公告)号：US20210133289A1

公开(公告)日：2021-05-06

申请号：US16673011

申请日：2019-11-04

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06F17/28 ,  H04W4/021

Abstract: A system that provides for selection, at the onset of a resource event, between (i) a first resource event volume of a first resource type (i.e., a resource type associated with the resource-providing entity) and (ii) a second resource event volume of a second type (i.e., a resource type associated with the resource-receiving entity). The first resource event volume used in the selection is determined by applying a conversion rate to the second resource event volume near to or in conjunction with the initiation of the resource event. As a result, resource conversion occurs at the onset of the resource event as opposed to conventional processing which provides for the resource conversion at or near the conclusion of the resource event.

公开(公告)号：US10999077B2

公开(公告)日：2021-05-04

申请号：US16237763

申请日：2019-01-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

IPC: H04L29/06 ,  H04L9/32 ,  H04L9/06 ,  H04L9/16

Abstract: Universal tags linked to the content of a data file are sporadically/periodically generated for protecting the authenticity of the data file and/or the owner/creator of a digital file. New universal tags are generated by altering one or more keys/seeds used to generate the universal tag. Once a current universal key is generated, the current universal tag is registered on a distributed ledger of at least on distributed trust computing network, thus superseding the registration of a last-in-time/previous universal tag to thereby become the effective validation means for (i) an authenticity of the data file, and/or (ii) the user associated with the data file (e.g., rightful possessor and/or creator of the digital file).