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    Non-intrusive geo-location determination associated with transaction authorization
    11.
    发明授权
    Non-intrusive geo-location determination associated with transaction authorization 有权

    公开(公告)号：US10453059B2

    公开(公告)日：2019-10-22

    申请号：US14871964

    申请日：2015-09-30

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Gregory Joseph Lloyd ,  Lauren Marie Zavodny ,  Tony England ,  Stephen Philip Selfridge ,  James Gregory Ronca

    IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/32

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

    NON-INTRUSIVE GEO-LOCATION DETERMINATION ASSOCIATED WITH TRANSACTION AUTHORIZATION
    12.
    发明申请
    NON-INTRUSIVE GEO-LOCATION DETERMINATION ASSOCIATED WITH TRANSACTION AUTHORIZATION 审中-公开

    公开(公告)号：US20170091764A1

    公开(公告)日：2017-03-30

    申请号：US14871964

    申请日：2015-09-30

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Gregory Joseph Lloyd ,  Lauren Marie Zavodny ,  Tony England ,  Stephen Philip Selfridge ,  James Gregory Ronca

    IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/32

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

    ACCOUNT TOKENIZATION FOR VIRTUAL CURRENCY RESOURCES
    14.
    发明申请
    ACCOUNT TOKENIZATION FOR VIRTUAL CURRENCY RESOURCES 审中-公开

    公开(公告)号：US20170091721A1

    公开(公告)日：2017-03-30

    申请号：US14871293

    申请日：2015-09-30

    Applicant: Bank of America Corporation

    Inventor： James Gregory Ronca ,  Gregory Joseph Lloyd ,  Tony England ,  Stephen Philip Selfridge

    IPC: G06Q20/10 ,  G06Q20/36

    CPC classification number: G06Q20/367 ,  G06Q20/065

    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

    SYSTEM FOR IMPLEMENTING A DISTRIBUTED LEDGER ACROSS MULTIPLE NETWORK NODES
    15.
    发明申请
    SYSTEM FOR IMPLEMENTING A DISTRIBUTED LEDGER ACROSS MULTIPLE NETWORK NODES 审中-公开

    公开(公告)号：US20200005299A1

    公开(公告)日：2020-01-02

    申请号：US16567746

    申请日：2019-09-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Benjamin Castinado ,  James Gregory Ronca

    IPC: G06Q20/40 ,  G06Q20/38

    Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain distributed network for validation (i.e., authorization) of a payment transaction. The system receives a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; accesses a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and, using payment transaction logic, determines whether the transaction record represents a valid transaction by, e.g., communicate the transaction record to a validating node for validation of the transaction record. Once validated, the system (or validating node) communicates validation of the transaction record to the block chain distributed network, e.g., by updating the distributed ledger with information indicating validation of the transaction record and providing access to the distributed ledger to the network.

    System for implementing a distributed ledger across multiple network nodes
    16.
    发明授权
    System for implementing a distributed ledger across multiple network nodes 有权

    公开(公告)号：US10475030B2

    公开(公告)日：2019-11-12

    申请号：US15050294

    申请日：2016-02-22

    Applicant: Bank of America Corporation

    Inventor： Joseph Benjamin Castinado ,  James Gregory Ronca

    IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/38

    Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain distributed network for validation (i.e., authorization) of a payment transaction. The system receives a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; accesses a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and, using payment transaction logic, determines whether the transaction record represents a valid transaction by, e.g., communicate the transaction record to a validating node for validation of the transaction record. Once validated, the system (or validating node) communicates validation of the transaction record to the block chain distributed network, e.g., by updating the distributed ledger with information indicating validation of the transaction record and providing access to the distributed ledger to the network.

    RESOURCE ALLOCATION AND TRANSFER IN A DISTRIBUTED NETWORK
    17.
    发明申请
    RESOURCE ALLOCATION AND TRANSFER IN A DISTRIBUTED NETWORK 审中-公开

    公开(公告)号：US20170330159A1

    公开(公告)日：2017-11-16

    申请号：US15154479

    申请日：2016-05-13

    Applicant: Bank of America Corporation

    Inventor： Joseph Benjamin Castinado ,  James Gregory Ronca ,  Richard Huw Thomas

    IPC: G06Q20/02 ,  G06Q20/36 ,  H04L29/08

    CPC classification number: G06Q20/02 ,  G06Q20/363 ,  G06Q2220/00 ,  H04L69/24

    Abstract: The custodial block chain network is a distributed network of systems, including at least a first entity system, a second entity system, and a custodian entity system, wherein the network allows the first entity to quickly, securely, and easily allocate resources associated with a first user, via an electronic contract stored in the block chain, from the first entity to a second user associated with a second entity. The custodian entity system provides, through the use of the network, resource pools for the first and the second entities, and holds allocated resources from the first entity system until acceptance of the electronic contract. Upon acceptance of the electronic contract, the resources are released by the custodian entity to the resource pool associated with the second entity allowing the second entity to provide the allocated resources to the second user.

    EXPEDITED PERSON TO PERSON PAYMENT
    19.
    发明申请
    EXPEDITED PERSON TO PERSON PAYMENT 审中-公开
    亲自派人到人员付款

    公开(公告)号：US20150134508A1

    公开(公告)日：2015-05-14

    申请号：US14078169

    申请日：2013-11-12

    Applicant: Bank of America Corporation

    Inventor： Jennifer M. Lucas ,  James Gregory Ronca ,  Jeffrey John Parker

    IPC: G06Q20/10 ,  G06Q20/22

    CPC classification number: G06Q20/10 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/3223

    Abstract: System, method, and computer program product are provided for a user to send and receive expedited P2P payments. In some embodiments, payment instructions may be sent from one financial institution to another financial institution, and based on those instructions and a “promise to pay”, the receiving FI posts the payment to the recipient's account within a short period of time, such as within minutes. Actual settlement of the payment may occur during the next settlement cycle or at some future time or cycle as agreed. This benefits the customer because the customer has the ability to send funds to a recipient in an expedited timeframe.

    Abstract translation: 系统，方法和计算机程序产品提供给用户发送和接收快速的P2P支付。 在一些实施例中，支付指令可以从一个金融机构发送到另一个金融机构，并且基于这些指令和“承诺付款”，接收FI在短时间内将付款发送到接收方的账户，例如 几分钟之内。 付款的实际结算可能会在下一个结算周期或未来某个时间或周期内同意。 这有利于客户，因为客户有能力在快速的时间内向收件人发送资金。

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