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公开(公告)号：US10915227B1
公开(公告)日：2021-02-09
申请号：US16534852
申请日：2019-08-07
Applicant: Bank of America Corporation
Inventor： Lee Ann Proud , Kathleen Hanko Trombley , Martha Sain McClellan , Joseph Benjamin Castinado
IPC: G06F3/16 , G06F3/0482 , G06F9/451 , G06F40/205 , G10L15/26
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a system for adjustment of resource allocation based on multi-channel inputs that is configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.
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公开(公告)号：US10812460B2
公开(公告)日：2020-10-20
申请号：US15860355
申请日：2018-01-02
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado , James P. Scopis
Abstract: Embodiments are described herein for improved verification utilizing dynamic authentication information. Dynamic authentication may include utilizing dynamic authentication information, which is user information that is personal to the user and that changes over-time, such as over various time periods. This type of dynamic authentic information is readily known to the user, but would be difficult for others to determine. The present invention may be utilized to improve the security of the interactions made by the user due to the dynamic authentication information.
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173.发明申请公开(公告)号：US20200242600A1
公开(公告)日：2020-07-30
申请号：US16262446
申请日：2019-01-30
Applicant: Bank of America Corporation
Abstract: Embodiments of the present invention provide a system for providing leveraged collaborative pre-verification and authentication for secure real-time resource distribution associated with a managing entity. Within a real-time resource distribution processing network, when a resource distribution request is received, historical verification factors are identified and used to establish a statistical model of how an associated account is expected to operate. Features of the pending resource distribution request are analyzed with respect to the statistical model to establish a pre-verification value of the user. Based on this established pre-verification value, the resource distribution request can be pre-verified or terminated, or additional authentication credentials can be prompted and received from a computing device of a user associated with the resource distribution request to verify the resource distribution request in real-time.
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公开(公告)号：US20200241923A1
公开(公告)日：2020-07-30
申请号：US16262318
申请日：2019-01-30
Applicant: Bank of America Corporation
Inventor： Richard C. Clow, II , Joseph Benjamin Castinado
Abstract: Embodiments of the invention are directed to classifying requests associated with personal data at or before a point of entry to a trusted computing network. The invention provides for determining whether a request associated with personal data requires classification (for example, whether the request is impacted by regulations or other requirements necessitating classification/categorization). The determination may be based on what entity is requesting the data, the origin of the request, whose data is being requested, the type of action associated with the request and/or the data elements associated with the request. In addition, once the request has been determined to require classification the specific classification is determined and assigned to the request. The classification may be determined based on the rules associated with the regulation or other requirement(s) necessitating the classification/categorization. The classification may identify rules for processing the request along with routing for the request.
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公开(公告)号：US20200213124A1
公开(公告)日：2020-07-02
申请号：US16237762
申请日：2019-01-02
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado
Abstract: A universal tag linked to the content of a data file for protecting the authenticity of the data file and/or the owner/creator of a digital file. The universal tag is linked to the content in the data file via one or more input keys/seeds that are used to generate the universal tag and rely on data associated with the content. Once generated, the universal tag is registered on a distributed ledger of at least on distributed trust computing network, which acts as a source of truth to validate the universal tag and, as such, validate (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).
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Patent Agency Ranking
176.发明申请公开(公告)号：US20200090086A1
公开(公告)日：2020-03-19
申请号：US16692253
申请日：2019-11-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado
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：US20200042721A1
公开(公告)日：2020-02-06
申请号：US16050149
申请日：2018-07-31
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Samuel Massa Moiyallah, JR.
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).
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178.发明申请公开(公告)号：US20200036775A1
公开(公告)日：2020-01-30
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 , G06Q20/20 , G06Q30/06 , G06Q40/04 , G06Q20/38 , G06Q40/02 , G06Q20/40 , G06Q20/32 , G06Q20/10 , G06F3/0482
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.
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公开(公告)号：US10402892B2
公开(公告)日：2019-09-03
申请号：US15365105
申请日：2016-11-30
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
Abstract: A resource delivery system typically includes a processor, a memory, and a resource delivery module stored in the memory. The system is typically configured for: receiving a request from a first user to transfer resources to a second user; authenticating the first user to initiate the transfer of the resources; creating a virtual record and associating a record of the second user with the virtual record; transferring the resources to the virtual record via an automated channel; identifying an event and provide the second user in response to identifying the event at least one option comprising using the resources in the virtual record; and moving the resources from the virtual record via the automated channel based on identifying that the second user selected the option comprising using the resources stored in the virtual record.
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公开(公告)号：US10327139B2
公开(公告)日：2019-06-18
申请号：US15287557
申请日：2016-10-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： Samuel Massa Moiyallah, Jr. , Joseph Benjamin Castinado
Abstract: Embodiments of the present invention provide a multi-level authentication system to provide an additional level of authentication using phone application level data. The system extracts application level data and generates a questionnaire based on the extracted application level data. This questionnaire is transmitted to the device of the user by the system to receive an input related to the questionnaire. The system authorizes a request to execute an action upon validating the input received.
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