公开(公告)号：US20240275595A1

公开(公告)日：2024-08-15

申请号：US18107710

申请日：2023-02-09

Applicant: Bank of America Corporation

Inventor： Jeetendra Hukmichand Jain ,  Bradley Holland ,  James Loney ,  Vineet Agarwal

IPC: H04L9/32

CPC classification number: H04L9/3213 ,  H04L9/3228

Abstract: Aspects of the disclosure relate to virtual tokens. A computing platform may generate a domain specific token, corresponding to a card number and having an approved users list. The computing platform may receive, from a first enterprise device corresponding to a first enterprise, card information of a card. The computing platform may identify that tokenization of the card information is approved by a second enterprise corresponding to the card. Based on identifying that the tokenization is approved, the computing platform may modify the approved users list to include the first enterprise. The computing platform may send, to the first enterprise device, the first domain specific token, where the computing platform is configured to validate an event processing request based on receipt of the first domain specific token from the first enterprise device.

公开(公告)号：US20230153719A1

公开(公告)日：2023-05-18

申请号：US17527812

申请日：2021-11-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jeetendra Hukmichand Jain ,  Heather Roseann Dolan

IPC: G06Q10/06 ,  G06Q20/38 ,  G06F16/903

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.

公开(公告)号：US20220027815A1

公开(公告)日：2022-01-27

申请号：US16938417

申请日：2020-07-24

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jeetendra Hukmichand Jain ,  Saurabh Mavani

IPC: G06Q10/06

Abstract: Systems, computer program products, and methods are described herein for establishment and dynamic adjustment of control parameters associated with resource distribution. The present invention may be configured to determine, based on historical data of resource distributions, suggested control parameters for resource distributions associated with a source associated with a user and provide the suggested control parameters to the user. The present invention may be configured to receive, after providing the suggested control parameters to the user, user input identifying user-defined control parameters. The present invention may be configured to receive a request to authorize a resource distribution, determine, based on the user-defined control parameters, whether the resource distribution is permitted, and authorize, based on determining that the resource distribution is permitted, the resource distribution.

公开(公告)号：US11095650B1

公开(公告)日：2021-08-17

申请号：US16780557

申请日：2020-02-03

Applicant: Bank of America Corporation

Inventor： Jeetendra Hukmichand Jain ,  Zeray Misgina Measho ,  Frederick John Charles Venuk ,  Marianne Schaufele Craig ,  James Harold Loney

IPC: H04L29/06 ,  G06F9/50 ,  H04L29/08 ,  H04L12/911 ,  G06N5/02

Abstract: Systems, computer program products, and methods are described herein for authorization of resource allocation across an electronic network environment. The present invention is configured to receive a resource distribution request for distribution of resources from a resource distribution repository of a user to the first entity; retrieve one or more operational decision rules associated with the first entity; deny the distribution of resources from the resource distribution repository of the user to the first entity based on the operational rules; retrieve, from the resource distribution authorization database, at least one resource distribution decision matrix associated with the first entity; override the denial of the distribution of the resources from the resource distribution repository of the user to the first entity based on at least the resource distribution decision matrix; and initiate an execution of the distribution of resources associated with the resource distribution request.

公开(公告)号：US20210243191A1

公开(公告)日：2021-08-05

申请号：US16780557

申请日：2020-02-03

Applicant: Bank of America Corporation

Inventor： Jeetendra Hukmichand Jain ,  Zeray Misgina Measho ,  Frederick John Charles Venuk ,  Marianne Schaufele Craig ,  James Harold Loney

IPC: H04L29/06 ,  G06F9/50 ,  G06N5/02 ,  H04L12/911 ,  H04L29/08

Abstract: Systems, computer program products, and methods are described herein for authorization of resource allocation across an electronic network environment. The present invention is configured to receive a resource distribution request for distribution of resources from a resource distribution repository of a user to the first entity; retrieve one or more operational decision rules associated with the first entity; deny the distribution of resources from the resource distribution repository of the user to the first entity based on the operational rules; retrieve, from the resource distribution authorization database, at least one resource distribution decision matrix associated with the first entity; override the denial of the distribution of the resources from the resource distribution repository of the user to the first entity based on at least the resource distribution decision matrix; and initiate an execution of the distribution of resources associated with the resource distribution request.