公开(公告)号：US09508065B2

公开(公告)日：2016-11-29

申请号：US14973916

申请日：2015-12-18

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q40/00 ,  G06Q20/10 ,  G06Q20/34 ,  G06K19/06 ,  G06K19/077 ,  G06K19/07 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device, and a battery. The battery may power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response to the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低能量（“BLE”）设备和电池。 电池可以为BLE和微处理器芯片供电。 智能卡还可能包括内存。 内存可以存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 该方法可以包括按压按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以响应于按钮的按下。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US20150363782A1

公开(公告)日：2015-12-17

申请号：US14305783

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/40 ,  G06Q20/06

CPC classification number: G06Q20/4016 ,  G06Q20/065 ,  G06Q20/3829

Abstract: The system includes a memory and a processor. The memory may store a customer profile associated with a customer. The processor may be communicatively coupled to the memory and may receive a request from the customer to perform a cryptocurrency transaction with a third party. The processor may calculate a risk score for the cryptocurrency transaction and determine a number of required validations to confirm the cryptocurrency transaction based at least in part upon the risk score. The processor may further receive a number of validations from a plurality of miners and compare the number of received validations to the number of required validations. The processor is further able to determine whether the number of received validations complies with the number of required validations.

Abstract translation: 该系统包括一个存储器和一个处理器。 存储器可以存储与客户相关联的客户简档。 处理器可以通信地耦合到存储器，并且可以接收来自客户的请求以执行与第三方的密码学交易。 处理器可以计算密码事务处理的风险分数，并且至少部分地基于风险分数来确定许多所需的验证以确认加密事务。 处理器还可以从多个矿工进一步接收多个验证，并将接收到的验证次数与所需的验证次数进行比较。 处理器还能够确定所接收的验证的数量是否符合所需的验证次数。

公开(公告)号：US20150363777A1

公开(公告)日：2015-12-17

申请号：US14305579

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/40

CPC classification number: G06Q20/401 ,  G06Q20/065 ,  G06Q20/4016 ,  H04L9/3236 ,  H04L2209/38 ,  H04L2209/56

Abstract: The system includes a memory and a processor. The memory may store user profiles of an enterprise. The processor may be communicatively coupled to the memory and may receive a request from a user to perform a cryptocurrency transaction with a third party. The processor may retrieve block chain information associated with the cryptocurrency transaction and determine whether one of the user profiles is associated with the user based on the retrieved block chain information and a stored cryptoidentifier associated with one of the user profiles. The processor may further determine whether one of the user profiles is associated with the third party based on the retrieved block chain information and at least one stored cryptoidentifier associated with one of the user profiles. The processor may determine whether the cryptocurrency transaction is suspicious based on the associated user profile and communicate an alert to the enterprise.

Abstract translation: 该系统包括一个存储器和一个处理器。 存储器可以存储企业的用户简档。 处理器可以通信地耦合到存储器，并且可以接收来自用户的请求以执行与第三方的密码学交易。 所述处理器可以检索与所述加密事务相关联的块链信息，并且基于所检索的块链链路信息和与所述用户简档之一相关联的存储的加密标识来确定所述用户简档之一是否与所述用户相关联。 处理器可以基于检索的块链信息和与用户简档之一相关联的至少一个存储的加密标识来进一步确定用户简档之一是否与第三方相关联。 处理器可以基于相关联的用户简档来确定密码安全性事务是否可疑，并向企业传达警报。

公开(公告)号：US20150363772A1

公开(公告)日：2015-12-17

申请号：US14305928

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Jason P. Blackhurst ,  Joseph B. Castinado ,  Heather Dolan ,  Richard H. Thomas

IPC: G06Q20/38 ,  G06Q20/06

CPC classification number: G06Q20/3829 ,  G06Q20/065

Abstract: A system may include a memory and processor. The processor may be configured to receive an electronic request to store a private key associated with a cryptocurrency. The processor may also be configured to generate a first vault key based at least in part upon the private key and generate a second vault key based at least in part upon the private key. The processor may also be able to facilitate the storage of the first vault key at a first data center and facilitate the storage of the second vault key at a second data center.

Abstract translation: 系统可以包括存储器和处理器。 处理器可以被配置为接收存储与密码学相关联的私钥的电子请求。 处理器还可以被配置为至少部分地基于私钥生成第一保管库密钥，并且至少部分地基于私钥生成第二保管库密钥。 处理器还可能能够促进将第一保管库密钥存储在第一数据中心，并且便于将第二保管库密钥存储在第二数据中心。

公开(公告)号：US20150363769A1

公开(公告)日：2015-12-17

申请号：US14306054

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Jason P. Blackhurst ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/38 ,  G06Q20/06

CPC classification number: G06Q20/381 ,  G06Q20/065 ,  G06Q20/3821 ,  G06Q40/04

Abstract: A system comprises a memory operable to store a set of conversion rules. The system also comprises a processor communicatively coupled to the memory. The processor is able to receive an electronic request for a cryptocurrency conversion requesting a conversion of a first currency into a second currency, wherein the second currency is a cryptocurrency. The processor is further able to retrieve price data associated with the first and second currencies and determine whether the conversion is optimal. In response to determining the conversion is optimal, the processor determines a plurality of exchange rates associated with converting the first currency into the second currency and determines an optimal exchange rate of the plurality of exchange rates. The processor is further able to initiate, essentially simultaneously as the determination that the conversion is optimal, converting the first currency into the second currency.

Abstract translation: 系统包括可操作以存储一组转换规则的存储器。 该系统还包括通信地耦合到存储器的处理器。 处理器能够接收请求将第一货币转换成第二货币的加密转换转换的电子请求，其中第二货币是加密货币。 处理器还能够检索与第一和第二货币相关联的价格数据，并确定转换是否是最佳的。 响应于确定转换是最佳的，处理器确定与将第一货币转换为第二货币相关联的多个汇率，并确定多个汇率的最佳汇率。 处理器进一步能够基本上同时启动转换最佳的确定，将第一货币转换为第二货币。

公开(公告)号：US20160104158A1

公开(公告)日：2016-04-14

申请号：US14973916

申请日：2015-12-18

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q20/40 ,  G06Q20/10 ,  G06K19/07 ,  G06K19/06 ,  G06K19/077

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低功耗（“BLE”）设备。 智能卡还可以包括电池。 电池可以配置为为BLE和微处理器芯片供电。 智能卡还可能包括内存。 可以将存储器配置为存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 使用智能卡的方法可以包括按下按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以是按下按钮的响应。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US20160104150A1

公开(公告)日：2016-04-14

申请号：US14973899

申请日：2015-12-18

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q20/34 ,  G06Q20/38 ,  G06K19/077 ,  G06K19/06 ,  G06K19/07

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低功耗（“BLE”）设备。 智能卡还可以包括电池。 电池可以配置为为BLE和微处理器芯片供电。 智能卡还可能包括内存。 可以将存储器配置为存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 使用智能卡的方法可以包括按下按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以是按下按钮的响应。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US20150310422A1

公开(公告)日：2015-10-29

申请号：US14263013

申请日：2014-04-28

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Akshaya Negi ,  Matthew L. Donlan ,  Scott L. Harkey ,  Tony England

IPC: G06Q20/34 ,  G06K19/077 ,  G06K19/06

CPC classification number: G06Q20/105 ,  G06K19/06206 ,  G06K19/0727 ,  G06K19/07701 ,  G06K19/07749 ,  G06Q20/322 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/3563 ,  G06Q20/3829 ,  G06Q20/401

Abstract: A method for using a smartcard is provided. The smartcard may include a microprocessor chip, a button, a dynamic transaction authorization number, a Bluetooth low energy (“BLE”) device. The smartcard may also include a battery. The battery may be configured to power the BLE and the microprocessor chip. The smartcard may also include memory. The memory may be configured to store the dynamic transaction authorization number. The smartcard may also include a dynamic magnetic strip. The dynamic magnetic strip may include a digital representation of the dynamic transaction authorization number. The method for using a smartcard may include pressing the button. The method may also include transmitting an instruction to a smartphone for a request for a dynamic transaction authorization number. The transmission of an instruction may be in response the pressing of the button. The method may also include receiving a dynamic transaction authorization number from a smartphone.

Abstract translation: 提供了一种使用智能卡的方法。 智能卡可以包括微处理器芯片，按钮，动态交易授权号码，蓝牙低功耗（“BLE”）设备。 智能卡还可以包括电池。 电池可以配置为为BLE和微处理器芯片供电。 智能卡还可能包括内存。 可以将存储器配置为存储动态交易授权号码。 智能卡还可以包括动态磁条。 动态磁条可以包括动态交易授权号的数字表示。 使用智能卡的方法可以包括按下按钮。 该方法还可以包括向智能手机发送用于动态交易授权号码请求的指令。 指令的发送可以是按下按钮的响应。 该方法还可以包括从智能电话接收动态交易授权号码。

公开(公告)号：US20140279483A1

公开(公告)日：2014-09-18

申请号：US13804095

申请日：2013-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eileen D. Bridges ,  Lisa Gibson ,  James G. Ronca ,  Mark D. Zanzot ,  Susan Smith Thomas

IPC: G06Q20/16

CPC classification number: G06Q20/027 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3276

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for making a payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia and payment information from a second apparatus, wherein the payment information comprises an amount of funds; identify an account associated with the readable indicia based on searching a database of records; process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds; transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account.

Abstract translation: 本发明的实施例涉及用于通过传送网络进行支付的系统，方法和计算机程序产品。 在一些实施例中，第一装置被配置为：从第二装置接收可读标记和支付信息，其中所述支付信息包括一定数量的资金; 基于搜索记录数据库识别与可读标记相关联的帐户; 处理支付信息，其中处理支付信息包括向确定的账户传送所确定的资金数量; 将支付转移确认传送给与所识别的帐户相关联的第三设备。

公开(公告)号：US10255600B2

公开(公告)日：2019-04-09

申请号：US14306158

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin

IPC: G06Q20/36 ,  G06Q20/38 ,  H04L12/24 ,  G06Q20/06 ,  G06Q20/10 ,  H04L29/08 ,  G06Q20/40 ,  H04L29/06

Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.