公开(公告)号：US20240305658A1

公开(公告)日：2024-09-12

申请号：US18117889

申请日：2023-03-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： Pradheepa Raghunaathan Nanduri ,  Sedonami Oluwadamilola Agosa ,  Daniel James Doherty ,  Zachary David Fay ,  Andrew Braden McNab ,  Katalina Lucia Mendoza ,  Margaret Lee Miniati ,  Andrew Franklin Schultz ,  Amy Marie Williams

IPC: H04L9/40

CPC classification number: H04L63/1433 ,  G06N20/00 ,  G06Q10/06375

Abstract: Systems, computer program products, and methods are described herein for assessing entity strategic impact using aggregated data sources. The method includes receiving at least one strategic impact indicator from each of at least two strategic impact data sources. The at least one strategic impact indicator relates to an entity strategic impact of an entity. The method also includes determining, via a machine learning model, a strategic impact confidence level for the entity. The strategic impact confidence level indicates a likelihood of an emerging strategic impact relating to the entity. The method further includes generating a strategic impact assessment report. The strategic impact assessment report indicates at least the strategic impact confidence level for the entity. The strategic impact assessment report also includes a strategic impact alert in an instance in which the strategic impact confidence level is below a threshold strategic impact level.

公开(公告)号：US11889480B2

公开(公告)日：2024-01-30

申请号：US17580957

申请日：2022-01-21

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: H04W72/044 ,  H04W4/80 ,  G06F9/50 ,  H04W12/06

CPC classification number: H04W72/044 ,  G06F9/5011 ,  H04W4/80 ,  H04W12/068

Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.

公开(公告)号：US11348084B2

公开(公告)日：2022-05-31

申请号：US16673402

申请日：2019-11-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Daniel James Doherty ,  Riaz H. Bhamani ,  Matthew Edward Carroll

IPC: G06Q20/20 ,  G06Q20/40

Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.

公开(公告)号：US20200349552A1

公开(公告)日：2020-11-05

申请号：US16399873

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: G06Q20/32 ,  G06Q20/34

Abstract: Embodiments of the present invention provide a system for secure contactless distribution of dynamic resources. Resource information may be written onto a near field communication (“NFC”) chip associated with a user, and a dynamic resource value element can be associated with this NFC chip. When an NFC interaction between the NFC chip associated with the user and a computing device of the user is detected, the computing device of the user extracts the resource information from the NFC chip, along with a dynamic resource value. The dynamic resource value is compared to an expected dynamic resource value and, if the values match, the extracted resource information is populated into memory fields of the computing device of the user.

公开(公告)号：US20200348976A1

公开(公告)日：2020-11-05

申请号：US16399767

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: G06F9/50 ,  G06K9/00 ,  G06F16/9035 ,  G06F16/953 ,  H04W4/80

Abstract: Embodiments of the invention are directed to facilitating electronic resource distribution by including computer-readable indicia or a short-range wireless tag on a physical resource distribution document/instrument that stores or provides access to instructions for requesting and/or processing subsequent resource distributions between the resource requester and requester provider fully electronically (i.e., absent the need for a resource distribution request document or a resource distribution document/instrument).