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公开(公告)号：US11956218B2
公开(公告)日：2024-04-09
申请号：US17553946
申请日：2021-12-17
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: G06F21/00 , H04L9/40 , H04W12/03 , H04W12/102 , H04W12/63 , H04W72/51 , H04W76/14 , H04W76/23 , G06Q20/32
CPC classification number: H04L63/04 , H04W12/03 , H04W12/102 , H04W12/63 , H04W72/51 , H04W76/14 , H04W76/23 , G06Q20/322
Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.
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12.发明授权公开(公告)号：US11949715B2
公开(公告)日：2024-04-02
申请号：US17553921
申请日：2021-12-17
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
CPC classification number: H04L63/18 , H04L41/0853 , H04L41/0866 , H04L41/22 , H04L63/0876 , H04L63/10 , H04L63/166 , H04L63/20
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：US20230379163A1
公开(公告)日：2023-11-23
申请号：US18229687
申请日：2023-08-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Kevin Graham Robberts , Ann Ta
CPC classification number: H04L9/3213 , H04L9/14 , H04L9/3231
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.
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公开(公告)号：US20230259394A1
公开(公告)日：2023-08-17
申请号：US17584782
申请日：2022-01-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Charles Hector Gruesbeck, II , Martha Sain McClellan , David Smiddy , Ann Ta
CPC classification number: G06F9/5005 , G06F9/542
Abstract: Capabilities for resource event processing are increased at resource event processing apparatus through use of a peer-to-peer resource event processing network. The resource event processing apparatus receives an alias associated with a user of the peer-to-peer resource event processing network. In response, the resource event processing apparatus communicates a peer-to-peer resource event request to the peer-to-peer resource event network. In response to the peer-to-peer resource event network receiving and processing the request, the user’s mobile communication device receives peer-to-peer resource event acceptance request and, in response to the user providing an input to accept the peer-to-peer resource event, the mobile communication device communicates a peer-to-peer resource event confirmation to the peer-to-peer resource event network.
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15.发明申请公开(公告)号：US20230019921A1
公开(公告)日：2023-01-19
申请号：US17375617
申请日：2021-07-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Ann Ta
Abstract: Embodiments of the present invention provide a system for facilitating creation, verification, and management of digital resources. The system is configured for receiving a digital content for upload to a distributed register from a user, via a user interface, receiving one or more instructions associated with distribution of the digital content from the user, via the user interface, creating one or more digital resources from the digital content via the user interface based on the one or more instructions received from the user, and storing the one or more digital resources on the distributed register.
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Patent Agency Ranking
16.发明授权公开(公告)号：US11184365B1
公开(公告)日：2021-11-23
申请号：US16905398
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
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for selective authorization of resource usage based on geographic positioning and usage category information associated with a resource interaction system. The invention receives historic positional information and category of usage information related to a resource interaction system, where the historic positional and category of usage information defines a base positional location and category of usage for the resource interaction system. The system also receives current positional information associated with the resource interaction system and accesses authorized usage parameters associated with the current positional information associated with the resource interaction system. Based on this information, the invention controls usage of the resource interaction system based on authorized usage parameters associated with the current positional information and based on the category of usage information.
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17.发明授权公开(公告)号：US12170657B2
公开(公告)日：2024-12-17
申请号：US17388550
申请日：2021-07-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Kevin Graham Robberts , Ann Ta
Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.
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公开(公告)号：US20240354384A1
公开(公告)日：2024-10-24
申请号：US18759026
申请日：2024-06-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Kevin Graham Robberts , Ann Ta
CPC classification number: G06F21/316 , G06F21/45 , G06F21/577
Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.
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公开(公告)号：US12095918B2
公开(公告)日：2024-09-17
申请号：US18229687
申请日：2023-08-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Kevin Graham Robberts , Ann Ta
CPC classification number: H04L9/3213 , H04L9/14 , H04L9/3231
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.
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公开(公告)号：US11756098B2
公开(公告)日：2023-09-12
申请号：US17161191
申请日：2021-01-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Raveendra Ambulooru , Lee Ann Proud , Ann Ta
IPC: G06Q30/00 , G06Q30/0601 , G06N20/00 , G06F16/2455
CPC classification number: G06Q30/0631 , G06F16/2455 , G06N20/00 , G06Q30/0629 , G06Q30/0639
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of resource transfer data in order to identify potential customers to which a merchant has not sold, where the new group of potential customers has previously purchased goods and services similar to the goods and services offered by the merchant. The system may provide recommendations to the merchant for adjusting marketing and distribution strategies and may also provide an intelligent predictive analysis of increased sales volume and efficiency.
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