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公开(公告)号：US10574662B2
公开(公告)日：2020-02-25
申请号：US15628088
申请日：2017-06-20
Applicant: Bank of America Corporation
Inventor： Jon Robert Wolf , Charles R. Liu , Dianna Letourneau O'Neill , Matthew Edward Williams , Bryan Lee Card
Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.
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12.发明授权公开(公告)号：US10015795B1
公开(公告)日：2018-07-03
申请号：US15633308
申请日：2017-06-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jon Robert Wolf , Charles R. Liu , Matthew Edward Williams , Jill A. Hatfield
CPC classification number: G07F19/211 , B65G1/137 , G06F21/31 , G06F21/62 , G06Q10/0832 , G06Q20/204 , G07D11/12 , H04L63/105 , H04L67/36 , H04M1/7253 , H04M1/72577 , H04M15/854 , H04M15/93 , H04W4/023 , H04W72/048 , H04W76/11 , H04W76/20
Abstract: Embodiments of the present invention relate to, in general, mobile device translation into a secure channel identifier for resource management. Typically, a system configured to establish a network activity channel with a networked device is provided. In some embodiments, based on analyzing a trigger signal, the system is configured to identify a network activity initiated by the user. In some embodiments, the system identifies a network activity channel configured for performing the network activity initiated by the user, based on at least determining a channel latency of the network activity channel. The system may then present the network activity channel to the user, configure the network activity channel such that the mobile device associated with the user is a secure channel identifier for performing the network activity; and modify, dynamically, a channel interface associated with the network activity channel based on the identified network activity and the trigger signal.
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公开(公告)号：US20240243926A1
公开(公告)日：2024-07-18
申请号：US18098503
申请日：2023-01-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew Edward Williams , Paul Martin Mattison , John Philip Rice , Brian Joseph Smith , Bryan Ward Follis
CPC classification number: H04L9/3268 , H04L9/3247 , H04L63/10
Abstract: A system is provided for a secure modular cloud-enabled resource exchange apparatus. In particular, the resource exchange apparatus may comprise a security box operatively coupled to one or more modular components, which may include computing components or devices and/or peripherals. The components of the resource exchange apparatus may be secured using security certificates and/or tokens associated with the input and/or output ports of each component. The computing device within the resource exchange apparatus may be communicatively coupled with a cloud server, from which the computing device may retrieve security certificates, configuration parameters, and/or the like. Upon detecting that a component has invalid certificate, the system may automatically disconnect and block the component. In this way, the system may ensure that only authorized devices may be used within the resource exchange apparatus.
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公开(公告)号：US20240144227A1
公开(公告)日：2024-05-02
申请号：US17978529
申请日：2022-11-01
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Matthew Edward Williams
CPC classification number: G06Q20/26 , G06F21/6218
Abstract: Systems, computer program products, and methods are described herein for activity data transmission in real-time using alternative communication rails to skip processing touch points. Specifically, the systems, apparatuses, methods and computer program products of the present invention are directed to a secure platform for preemptive transformation and structuring of resource data at a resource instrument device and authentication of resource data for processing from the resource instrument device to an end point party in real time without requiring intermediary processing. In some embodiments the apparatuses and systems comprise a resource processing terminal device structured for operative communication with a resource instrument device with a mobile application embedded thereon via a first proximity communication channel between the resource processing terminal and the resource instrument device using request for resource distribution messaging associated with alternative rail resource distribution processing.
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公开(公告)号：US20220405136A1
公开(公告)日：2022-12-22
申请号：US17352980
申请日：2021-06-21
Applicant: BANK OF AMERICA CORPORATION
Inventor： Matthew Edward Williams , Nicholas Ralph Jope , Paul Martin Mattison
Abstract: Embodiments of the present invention provide a system for minimizing computational processing for converting user resources to resources supported by third party entities. In particular, the system may be configured to determine that a user has scanned a code projected on an entity device via a third party application present on a user device of the user, wherein the entity device is associated with an entity, establish a first connection with the entity device, establish a second connection between the user device and the entity device based on determining that the user has scanned the code, determine that the user has inserted user resources into the entity device, via the first connection, convert the user resources to resources supported by a third party entity, and display in real-time, information associated with the resources on the third party application.
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Patent Agency Ranking
公开(公告)号：US20210090042A1
公开(公告)日：2021-03-25
申请号：US16577138
申请日：2019-09-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Matthew Edward Williams
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a multi-group holding system at a computer terminal that does not require user re-authentication for continued depositing. The invention provides a multi-group hold capability so that a hold can be placed on more than one group of resource distribution documents in a session without requiring re-authentication for additional groups. The invention provides for a system for evaluating each group of resource distribution documents individually and providing the user with the ability to cancel a specific group, but allows for continued processing of the additional groups of resource distribution documents without requiring the user to re-authenticate and re-deposit the checks from the remaining groups. Once a group is held, the user may request to return it or continue processing another group. This capability allows for multiple groups to be deposited, reviewed, and a recommendation provided without re-authentication.
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公开(公告)号：US20200169566A1
公开(公告)日：2020-05-28
申请号：US16775575
申请日：2020-01-29
Applicant: Bank of America Corporation
Inventor： Jon Robert Wolf , Charles R. Liu , Dianna Letourneau O'Neill , Matthew Edward Williams , Bryan Lee Card
Abstract: A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user's identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.
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公开(公告)号：US20240013197A1
公开(公告)日：2024-01-11
申请号：US17859585
申请日：2022-07-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Matthew Edward Williams
CPC classification number: G06Q20/363 , H04L63/0407 , G06Q20/401 , G06Q2220/00
Abstract: Systems, computer program products, and methods are described herein for obfuscation of network identity to prevent data exfiltration. The present invention is configured to receive, from an external device, a first instance of transfer of resources to a user; store the resources in a cryptographic digital wallet associated with the user; record the first instance of the transfer of the resources in a first distributed ledger; automatically transfer the resources from the cryptographic digital wallet to a resource repository associated with the user; record the transfer of the resources from the cryptographic digital wallet to the resource repository in the first distributed ledger; electronically receive, from a user input device, a first instance of distribution of a first portion of the resources from the resource repository to an end-point device; and record the first instance of distribution of the first portion of the resources in a second distributed ledger.
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公开(公告)号：US20210090043A1
公开(公告)日：2021-03-25
申请号：US16577141
申请日：2019-09-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Matthew Edward Williams
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for terminal based real-time resource deposition processing. In this way, a hold recommendation screen may be presented on a terminal upon identification of a potential hold on one or more physical resource distribution document depositions. The screen may transmit information regarding the hold to the user based on real-time decisioning at the terminal. The user able to reverse the recommendation and cancel a specific resource distribution document deposition within a group of resource distribution documents based on the processing hold indication.
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公开(公告)号：US10803710B2
公开(公告)日：2020-10-13
申请号：US15633238
申请日：2017-06-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jon Robert Wolf , Matthew Edward Williams
IPC: G07F19/00 , H04W72/04 , H04L29/08 , H04M1/725 , H04W4/02 , H04W76/11 , H04W76/20 , G07D11/12 , G06Q20/20 , B65G1/137 , G06F21/31 , G06F21/62 , G06Q10/08 , H04L29/06 , H04M15/00
Abstract: Embodiments of the present invention are directed to systems, methods, and computer program products for a cassette system and device network for secure resource replenishment and distribution among a plurality of computer terminals. A resource replenishment device comprising a tamper-proof, sealable container may securely store and transport one or more resources within the interior of the device. The resource replenishment device may be used for efficiently fulfilling calculated resource deficiency requests at one or more computer terminals, wherein resources may be transferred to the resource replenishment device from a resource reserves station for transport and transfer to a resource-deficient, requesting computer terminal.
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