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    Distractional variable identification for authentication of resource distribution
    12.
    发明授权
    Distractional variable identification for authentication of resource distribution 有权

    公开(公告)号：US11288366B2

    公开(公告)日：2022-03-29

    申请号：US16594477

    申请日：2019-10-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Benjamin Castinado ,  Jeffrey B. Schroeder ,  William August Stahlhut

    IPC: G10L25/63 ,  G06F21/55 ,  G06N10/00

    Abstract: A system for capturing communication variables associated with a communication between two or more parties and implementing a quantum optimizer to analyze the communication variables to determine the actual context of a communication held by one or more parties to the communication. Once the actual context is determined, a further determination is made as to whether the actual context poses or potentially poses a security threat to one or more parties to the communication or a third-party and, if so, notifies the party of the security threat. In this regard, parties to a communication that are unaware of the actual context of the communication held by another party are made aware of that actual context poses a security threat and, in some embodiments, notifies the parties while the communication is still occurring.

    SYSTEM FOR INCREASING PROCESSING EFFICIENCY THROUGH AUTOMATED RESOURCE FIELD TRANSFORMATION
    15.
    发明申请
    SYSTEM FOR INCREASING PROCESSING EFFICIENCY THROUGH AUTOMATED RESOURCE FIELD TRANSFORMATION 有权

    公开(公告)号：US20210399995A1

    公开(公告)日：2021-12-23

    申请号：US17465947

    申请日：2021-09-03

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

    IPC: H04L12/911 ,  G06F9/54 ,  H04L29/08 ,  G06F16/245 ,  G06F16/25

    Abstract: Embodiments of the present invention provide a system for increasing processing efficiency through automated resource field transformation. A message with multiple resource fields is received, and a first resource field is identified as being populated with a burdensome resource element. The burdensome resource element is extracted from the first resource field, creating a slim version of the message that is processed through normal procedures to execute an associated event. The burdensome resource element is routed to a burdensome resource processing system. The burdensome resource processing system can store the burdensome resource element until the burdensome resource element is requested by a user, and then transfer the burdensome resource element to the user after specialized processing of the element. Alternatively, the burdensome resource processing system may be a specialized processing system that processes the burdensome resource element's type more efficiently than the general processing procedures used to process the slim message.

    System for data authentication optimization based on real time and historical resource information
    16.
    发明授权
    System for data authentication optimization based on real time and historical resource information 有权

    公开(公告)号：US11184365B1

    公开(公告)日：2021-11-23

    申请号：US16905398

    申请日：2020-06-18

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Benjamin Castinado ,  Lee Barry Frantz ,  Lee Ann Proud ,  Ann Ta

    IPC: H04L29/06

    Abstract: Embodiments of the invention are directed to systems, methods and computer program products for selective authorization of resource usage based on geographic positioning and usage category information associated with a resource interaction system. The invention receives historic positional information and category of usage information related to a resource interaction system, where the historic positional and category of usage information defines a base positional location and category of usage for the resource interaction system. The system also receives current positional information associated with the resource interaction system and accesses authorized usage parameters associated with the current positional information associated with the resource interaction system. Based on this information, the invention controls usage of the resource interaction system based on authorized usage parameters associated with the current positional information and based on the category of usage information.

    Closed-loop real-time resource event processing
    17.
    发明授权
    Closed-loop real-time resource event processing 有权

    公开(公告)号：US11164162B2

    公开(公告)日：2021-11-02

    申请号：US16262279

    申请日：2019-01-30

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Richard C. Clow, II ,  Joseph Benjamin Castinado

    IPC: G06Q20/02 ,  G06Q20/10 ,  G06Q40/00

    Abstract: Embodiments of the invention are directed to closed-loop resource event processing in which an initial determination as to whether a resource event requiring real-time processing can be processed absent an external real-time processing network. In the event that a determination is made that the resource event can by processed absent the external real-time processing network, a closed network group is created internally within the event-initiating system and the event is processed internally within the event initiating-system. By limiting the use of the real-time processing network to only those resource event that require such processing, less burden is placed on real-time processing network, meaning less processing resources are required and the processing that is required on the real-time processing network can occur more efficiently and effectively.

    Centralized repository and communication system for cross-network interactions
    19.
    发明授权
    Centralized repository and communication system for cross-network interactions 有权

    公开(公告)号：US11121989B1

    公开(公告)日：2021-09-14

    申请号：US16887181

    申请日：2020-05-29

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Joseph Benjamin Castinado ,  Sandeep Kumar Chauhan ,  Charles Russell Kendall ,  Yash Sharma

    IPC: G06F15/16 ,  H04L12/58 ,  H04L29/08 ,  H04L9/32 ,  H04L29/06

    Abstract: A cross-network interaction network for allowing cross-network real-time validation and interactions. The cross-network interaction network is set-up as a central location for managing interactions with resource exchanges between different real-time interaction networks. The real-time interaction networks are separate self-contained networks located within an area (e.g., country, or the like) or between different areas (e.g., different countries, or the like). Each self-contained real-time interaction network may have different systems, applications, processes, or the like that prevents the real-time interaction networks from allowing interactions outside of the real-time interaction networks. Consequently, the cross-network interaction network may set-up and utilize a messaging system, a clearing system, and/or a repository system to facilitate the interactions across the different real-time interaction networks.

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