公开(公告)号：US20220230155A1

公开(公告)日：2022-07-21

申请号：US17153564

申请日：2021-01-20

Applicant: Bank of America Corporation

Inventor： Robertson Walters Greenbacker ,  Heather Roseann Dolan ,  Justin duPont

IPC: G06Q20/14 ,  G06Q20/10 ,  G16Y10/35 ,  G16Y20/30 ,  G16Y40/35 ,  F24F11/47

Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (TOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.

公开(公告)号：US11973764B2

公开(公告)日：2024-04-30

申请号：US18202049

申请日：2023-05-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Steven Michael Twombly ,  Sara A. Walsh ,  Tony England ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland

IPC: H04L47/762 ,  H04L9/40 ,  H04L47/70 ,  H04L47/78

CPC classification number: H04L63/102 ,  H04L47/762 ,  H04L47/781 ,  H04L47/828

Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring. The invention is configured to receive a processing request to initiate a processing network session, wherein the processing network session is associated with the processing of a first activity; receive, a processing interaction request to access a first resource associated with the user; extract a resource processing value associated with the first activity from the processing parameter data structure; determine whether the resource processing value is associated with triggering at least one block intervention step; block the entity input device from accessing the first resource in response to determining that the resource processing value is associated with triggering the at least one block intervention step during processing of the first activity; transmit a block notification to the entity input device; and trigger display of a success notification at an end-user application.

公开(公告)号：US20230368201A1

公开(公告)日：2023-11-16

申请号：US17743273

申请日：2022-05-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Steven Michael Twombly ,  Tony England ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland ,  Sara A. Walsh

IPC: G06Q20/40

CPC classification number: G06Q20/401

Abstract: Embodiments of the present invention provide a system for implementing end-point authentication restriction for resource distribution devices. The system is configured for receiving a resource distribution request, wherein the resource distribution request is initiated via a resource distribution device associated with a user at an end-point, determining, via a machine learning model, an end-point identifier associated with the end-point, classifying the resource distribution request based at least in part on the end-point identifier associated with the end-point, and authenticating the resource distribution request based on classifying the resource distribution request.

公开(公告)号：US20230367645A1

公开(公告)日：2023-11-16

申请号：US17743120

申请日：2022-05-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tony England ,  Steven Michael Twombly ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland ,  Sara A. Walsh

IPC: G06F9/50

CPC classification number: G06F9/5072 ,  G06F9/505 ,  G06F9/5083

Abstract: A system is provided for implementing dynamic authentication restrictions for resource instrument use. In particular, the system may be configured to implement a spectrum of resource transfer restrictions on a device level, resource transfer instrument level, and/or resource transfer type level, where the restrictions may be implemented based on user input and/or automatically through machine learning processes. In some embodiments, the system may implement dynamic resource restrictions per resource transfer based on a trained machine learning model. In this way, the system may provide an efficient and secure way to implement resource transfer restrictions.

公开(公告)号：US11716290B1

公开(公告)日：2023-08-01

申请号：US17743384

申请日：2022-05-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Steven Michael Twombly ,  Tony England ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland ,  Sara A. Walsh

IPC: H04L12/24 ,  H04L29/08 ,  H04L41/0893 ,  H04L41/084 ,  H04L47/70 ,  H04L47/762

CPC classification number: H04L47/828 ,  H04L47/762 ,  H04L47/822 ,  H04L47/827

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic linking of resource data structures across distributed networks. The system is structured for enhancing data security by evaluating and determining iterations of data transformations associated with resource data structures across networks and establishing deletion and usage modification mechanisms for stored unauthorized downstream iterations. The system is structured to link a first front end resource data structure and a downstream transformation comprising a first entity resource data structure. The system is structured to construct a real-time interactive technology resource interface such that the technology resource interface is structured to present graphical interface objects associated with the link between the first front end resource data structure and the first entity resource data structure.

公开(公告)号：US20230186260A1

公开(公告)日：2023-06-15

申请号：US18107170

申请日：2023-02-08

Applicant: Bank of America Corporation

Inventor： Robertson Walters Greenbacker ,  Heather Roseann Dolan ,  Justin duPont

IPC: G06Q20/10 ,  G06N20/10 ,  G06Q20/42 ,  G06Q20/22 ,  G06F18/2411

CPC classification number: G06Q20/108 ,  G06N20/10 ,  G06Q20/425 ,  G06Q20/227 ,  G06F18/2411

Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.

公开(公告)号：US20230161625A1

公开(公告)日：2023-05-25

申请号：US17534946

申请日：2021-11-24

Applicant: BANK OF AMERICA CORPORATION

Inventor： Justin duPont ,  Robertson Walters Greenbacker ,  Stephen Philip Selfridge

IPC: G06F9/50

CPC classification number: G06F9/5027

Abstract: Embodiments of the present invention provide a system for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers. The system is configured for determining that a first user received a request for a resource transfer from a second user, wherein the request comprises information associated with the resource transfer embedded within the request, identifying an alias associated with the second user from the information embedded within the request, performing a search for the alias in the one or more tiered dynamic pre-authorization tables associated with the first user, determining that the request meets one or more conditions set for the alias in the one or more tiered dynamic pre-authorization tables, and automatically completing the request for the resource transfer by transferring resources from a resource pool of a first user to a resource pool of the second user.

公开(公告)号：US20220308946A1

公开(公告)日：2022-09-29

申请号：US17215740

申请日：2021-03-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robertson Walters Greenbacker ,  Tony England

IPC: G06F9/54

Abstract: Configuring resource transfer event messages to include, not only the user data required to affect the resource transfer (e.g., resource repository identifier and the like), but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to resource storage entities that subsequently store user records that associate users with the resource transfer events and the additional user data. In this regard, a security benefit is realized, in that, resource storage entities can leverage the additional data to investigate potential nefarious actions. Moreover, by including the additional user information in resource transfer event messages communicated to resource storage entities, the volume of resource transfer event messages or other network-based messages is lessened thereby limiting network traffic and making the overall process more efficient and effective.

公开(公告)号：US20220230236A1

公开(公告)日：2022-07-21

申请号：US17153498

申请日：2021-01-20

Applicant: Bank of America Corporation

Inventor： Heather Roseann Dolan ,  Justin duPont ,  Robertson Walters Greenbacker

IPC: G06Q40/02 ,  G06Q20/40 ,  G06K9/62

Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.

公开(公告)号：US11336587B1

公开(公告)日：2022-05-17

申请号：US17199070

申请日：2021-03-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robertson Walters Greenbacker ,  Brian Wallace Borneman ,  Justin Riley duPont ,  Tony England ,  Timothy Stephen Nurse ,  Stephen Philip Selfridge

IPC: H04L12/927 ,  H04L47/80 ,  H04L47/762 ,  H04L47/74 ,  G06N20/00 ,  G06Q20/40 ,  G06Q10/06

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation and management of controlled-use resources which allow the sender of an electronic resource transfer to limit the ways in which the recipient may use the received resources. This invention allows the sender to maintain control over the products or services purchased with transferred resources, as well as personalize a transfer for a recipient by selecting a favorite merchant or spending category of the recipient. The invention may also benefit a plurality of merchants and other third party entities which may obtain new customers as a result of said customers receiving controlled-use resources designated for said merchants.