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公开(公告)号：US20220230155A1
公开(公告)日：2022-07-21
申请号：US17153564
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (TOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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公开(公告)号：US11297507B2
公开(公告)日：2022-04-05
申请号：US16447488
申请日：2019-06-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Heather Roseann Dolan , Katherine Dintenfass
Abstract: An interaction security system for user verification utilizes co-location in order to more accurately identify a user location. The system identifies a user computer system location based a location determination component for the user computer systems. Moreover, the system identifies a resource accessory location of a resource accessory. The resource accessory location may be determined in a number of different ways, including, but not limited to, a location determination component of the resource accessory. The system may utilize a time requirement and/or a geo-location requirement in order to maintain verification of the user for a period of time and/or within a specific location. Moreover, the system may require the user to take an action with respect to the resource accessory before verifying the user location for an interaction.
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13.发明申请公开(公告)号：US20210004772A1
公开(公告)日：2021-01-07
申请号：US16503923
申请日：2019-07-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Heather Roseann Dolan , Kimberly D. Dewberry
IPC: G06Q20/04
Abstract: Real-time interaction processing is provided by establishing an operable communication linkage between entities and/or organizations, including a real-time time resource exchange organization. The real-time interaction processing may include the use of an electronic resource instrument that includes interaction information. The real-time interaction processing may include capturing the interaction information from the electronic resource instrument (e.g., using one or more identifiers, such as codes, or the like) and automatically populating a resource exchange message with the interaction information in order to complete the real-time interaction processing. The electronic resource instrument may be operatively coupled to the resource exchange message and processed along with the resource exchange.
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公开(公告)号：US12033102B2
公开(公告)日：2024-07-09
申请号：US17527812
申请日：2021-11-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jeetendra Hukmichand Jain , Heather Roseann Dolan
IPC: G06Q10/0631 , G06F16/903 , G06Q20/38
CPC classification number: G06Q10/06315 , G06F16/90335 , G06Q20/386
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an approach for resource transfer monitoring and authorization. The system is configured to receive resource transfer stop criteria and store the resource transfer stop criteria. The system is configured to execute a query of a record keeping repository and identify one or more resource transfers in the record keeping repository which violate the resource transfer stop criteria. The system then flags the resource transfers which violate the resource transfer stop criteria. Thereafter, the system issues a resource credit and transmits a notification to the user.
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公开(公告)号：US11631067B2
公开(公告)日：2023-04-18
申请号：US17153399
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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Patent Agency Ranking
公开(公告)号：US11606697B2
公开(公告)日：2023-03-14
申请号：US16983806
申请日：2020-08-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：US20220038891A1
公开(公告)日：2022-02-03
申请号：US16983806
申请日：2020-08-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：US20210256489A1
公开(公告)日：2021-08-19
申请号：US16794457
申请日：2020-02-19
Applicant: Bank of America Corporation
Inventor： Malathi Jivan , Poppy Marie Kimball , Thomas Elliott , Audrey L. Longfellow , Heather Roseann Dolan , Christina Ann Lillie , Justin Riley duPont
Abstract: A system for automated resource transfers based on predictive electronic data analysis is provided. In particular, the system may continuously track data (e.g., as historical data) that may be sent between two entities, where the data may include resource transfer data. Based on the parameters of the resource transfer data, the system may identify a pattern within the historical data in order to set up a recurring resource transfer based on the identified pattern. In this way, the system may increase the efficiency of resource transfers executed across entities.
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公开(公告)号：US20200059475A1
公开(公告)日：2020-02-20
申请号：US16105414
申请日：2018-08-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Charles Russell Kendall , Heather Roseann Dolan , Therese H. Willis
IPC: H04L29/06
Abstract: Embodiments of the present invention provide a system for detecting unauthorized access via card characteristic verification. The present invention is configured to identify initiation of a resource distribution event via a resource distribution card at a resource distribution device, identify one or more characteristics of the resource distribution card, determine a first user associated with the resource distribution card based on the one or more characteristics, determine that the resource distribution card of the first user is associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics, and authorize and process the resource distribution event based on determining that the resource distribution card is associated with the issuing entity associated with the resource account associated with the first user.
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20.发明申请公开(公告)号：US20250023891A1
公开(公告)日：2025-01-16
申请号：US18221108
申请日：2023-07-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Heather Roseann Dolan , Adithya Gadwale , Vikram Modi
IPC: H04L9/40
Abstract: Systems, computer program products, and methods for detecting and preventing malfeasant activity based on patterns in malfeasant activity are provided. The method includes receiving a plurality of communication data packets associated with one or more online forums. Each communication data packet includes communication(s) within a conversation on the online forum(s). The method also includes determining a first malfeasant communication data packet of the plurality of communication data packets. The malfeasant communication data packet is associated with a conversation in which malfeasant activity is being discussed. The method further includes determining first malfeasant activity characteristic(s) from the first malfeasant communication data packet indicative of malfeasant activity. The method also includes detecting a potential malfeasant activity based on at least one of the first malfeasant activity characteristic(s). The method further includes causing an execution of a malfeasant activity mitigation action to reduce or eliminate potential effects of the potential malfeasant activity.
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