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公开(公告)号：US20220309498A1
公开(公告)日：2022-09-29
申请号：US17210794
申请日：2021-03-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Malathi Jivan , Kathleen Miranda Brand , Michael Donohue , Justin Riley duPont , Christina Ann Lillie , Jay Derek Prokupek , Yash Sharma
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.
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公开(公告)号：US20220150878A1
公开(公告)日：2022-05-12
申请号：US17580957
申请日：2022-01-21
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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公开(公告)号：US11234235B2
公开(公告)日：2022-01-25
申请号：US16399874
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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公开(公告)号：US20220019483A1
公开(公告)日：2022-01-20
申请号：US16933656
申请日：2020-07-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Charles Jason Burrell , Tony England , Michael Robert Hasslinger , Christina Ann Lillie , John Allen Sellers
IPC: G06F9/50
Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The type of supplemental resources and number of supplemental resources may be converted based on the types of resource pools from which and to which the supplemental resources are being transferred.
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公开(公告)号：US20210119937A1
公开(公告)日：2021-04-22
申请号：US16656013
申请日：2019-10-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Heather Roseann Dolan , Justin Riley duPont , Malathi Jivan
IPC: H04L12/911 , H04L12/927 , H04L12/917
Abstract: Embodiments of the present invention provide a system for consolidating and processing multiple resource requests. The system is configured for receiving at least two resource requests from a first user, identifying that the at least two resource requests are associated with a second user, consolidating the at least two resource requests, and processing the consolidated at least two resource requests.
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Patent Agency Ranking
16.发明申请公开(公告)号：US20210065576A1
公开(公告)日：2021-03-04
申请号：US17000624
申请日：2020-08-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Charles Jason Burrell , Sara Suzanne Carr , Jane Elizabeth Cook , Justin Riley duPont , Kajal Gupta , Bradley Ryan Holland , Robert Nyeland Huggins , Kashif M. Siddiqui
IPC: G09B19/00 , G06Q40/02 , G06Q10/06 , G06Q40/06 , G06Q20/40 , G06Q30/02 , G06Q50/20 , G06N20/00 , G06F3/0484
Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent onboarding, support, education of supervised resource account users. The system, methods, and computer program products provide innovative tools for the development and management of supervised user resource accounts by a supervising user, and various embodiments providing unique pathways for resource management and education via the use of the disclosed resource management system.
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公开(公告)号：US11631099B2
公开(公告)日：2023-04-18
申请号：US16933280
申请日：2020-07-20
Applicant: Bank of America Corporation
Inventor： Charles Jason Burrell , Justin Riley duPont , Michael Robert Hasslinger , John Allen Sellers , Tony England , Christina Ann Lillie
IPC: G06Q30/0207 , G06Q20/10 , G06Q20/36 , G06Q40/02 , G06Q30/0226
Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.
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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：USD946594S1
公开(公告)日：2022-03-22
申请号：US29743249
申请日：2020-07-20
Applicant: BANK OF AMERICA CORPORATION
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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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