公开(公告)号：US20240187382A1

公开(公告)日：2024-06-06

申请号：US18439709

申请日：2024-02-12

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 ,  G06Q20/32 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/322

Abstract: The present invention receives from a first user input device a resource transfer request via a first communication channel; determines that the first communication channel does not meet channel requirements for secure communication; determines whether other the communication channels associated with other input devices meet the channel requirements; determines user input devices whose communication channels does not meet the channel requirements; determines alternate communication channels for the user input devices whose communication channels does not meet the channel requirements using the user input devices whose communication channels meets the channel requirements; determines a second communication channel associated with a second user input device meeting the channel requirements; triggers the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device; and executes the resource transfer request.

公开(公告)号：US11949573B2

公开(公告)日：2024-04-02

申请号：US17553446

申请日：2021-12-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa ,  Adam Frederick Perrigo ,  Lee Ann Proud ,  Kevin Graham Robberts ,  Christopher J. Smith ,  Ann Ta ,  Kathleen Hanko Trombley ,  Therese Humburg Willis

IPC: H04L43/067 ,  H04L43/00 ,  H04L43/0829 ,  H04L43/50 ,  H04W24/10

CPC classification number: H04L43/067 ,  H04L43/0829 ,  H04L43/14 ,  H04L43/50 ,  H04W24/10

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

公开(公告)号：US11902179B2

公开(公告)日：2024-02-13

申请号：US18114930

申请日：2023-02-27

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: H04L47/80 ,  H04L41/50 ,  H04L12/14 ,  H04L41/5006

CPC classification number: H04L47/808 ,  H04L12/14 ,  H04L41/5006 ,  H04L41/5096

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.