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公开(公告)号：US10057748B1
公开(公告)日：2018-08-21
申请号：US15723614
申请日：2017-10-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jon Robert Wolf , Charles R. Liu
IPC: H04W92/00 , H04W4/02 , H04B5/00 , H04W4/80 , H04W4/00 , G06F9/44 , H04W88/02 , H04W84/18 , G06F13/10 , G06Q20/32 , H04W8/00 , G06F9/451 , G06F3/01
CPC classification number: H04W4/80 , G06F3/013 , G06F9/451 , G06F13/102 , G06Q20/322 , G06Q20/3223 , G06Q20/3274 , H04W4/025 , H04W8/005 , H04W84/18 , H04W88/02 , H04W92/00
Abstract: Embodiments of the present invention relate to, in general, for technology application restructuring and deployment for home receiver integration. The system is configured to provide a technology application on a home receiver, such as a functionally tethered smart device, to facilitate performing user activities. Typically, the system is configures the user mobile device as a remote control for allowing the user to perform technology activities using the tethered smart device technology application, via the user mobile device. In some embodiments, the system is configured to initiate presentation of a tethered smart device activity interface on a display device of the tethered smart device. In some embodiments, the system is configured to present an auxiliary mobile interface on a display of the user mobile device, wherein the auxiliary mobile interface comprises the predetermined graphical element of the tethered smart device activity interface, for completion of a technology activity.
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公开(公告)号：US20180114222A1
公开(公告)日：2018-04-26
申请号：US15787844
申请日：2017-10-19
Applicant: Bank of America Corporation
Inventor： Ryan Furey , Charles R. Liu , Matthew E. Williams , Elizabeth A. Price , Richard Barron
CPC classification number: G06Q20/401 , G06Q20/1085 , G06Q20/3224 , G07F19/20
Abstract: Aspects of the disclosure relate to interaction among an entity, an entity's mobile device, one or more Automated Teller Machines (ATM's), an associated beacon generator, and a support computing system. With some embodiments, the beacon generator generates a beacon signal to the mobile device. The mobile device extracts beacon information such as an identification of the beacon generator and/or associated ATM and conveys this information to the support computing system via a second wireless channel. The support computing system subsequently instructs the ATM to transition to an appropriate display container as the entity approaches the ATM. The ATM may further transition to different display containers based on interactions with the entity and/or support computing system.
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公开(公告)号：US11526856B2
公开(公告)日：2022-12-13
申请号：US16817785
申请日：2020-03-13
Applicant: Bank of America Corporation
Inventor： Daniel A. Carretta , Thomas M. Hancock , Karen K. Lewy , Charles R. Liu , Jack Meyers , Sheryl W. Strott , Faith A. Tucker , Carrie A. Hanson
Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.
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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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15.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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Patent Agency Ranking
公开(公告)号：US10826890B2
公开(公告)日：2020-11-03
申请号：US16153086
申请日：2018-10-05
Applicant: Bank of America Corporation
Inventor： Brent David Reston , Margaret Winston , Kevin Clark May , Jeremiah Fairbairn Williams , Ryan Michael Furey , Michelle Nanette Downie , Charles R. Liu
IPC: H04L29/06
Abstract: Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.
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公开(公告)号：US20200210975A1
公开(公告)日：2020-07-02
申请号：US16817785
申请日：2020-03-13
Applicant: Bank of America Corporation
Inventor： Daniel A. Carretta , Thomas M. Hancock , Karen K. Lewy , Charles R. Liu , Jack Meyers , Sheryl W. Strott , Faith A. Tucker , Carrie A. Hanson
Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.
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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：US20190102762A1
公开(公告)日：2019-04-04
申请号：US15723619
申请日：2017-10-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jon Robert Wolf , Charles R. Liu
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for self-generation of denominational resources. In this way, the system integrates functionality of computer terminals into use mobile devices for self-generation of digital resources for distribution and utilization by the recipient in the form of a token. In this way, the user may digitally extract resources for storage or transmission to a receiver. The digital resource will be treated as a physical resource and are removed from the user's resource account and held as pending.
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公开(公告)号：US20140108237A1
公开(公告)日：2014-04-17
申请号：US14109269
申请日：2013-12-17
Applicant: Bank of America Corporation
Inventor： Daniel A. Carretta , Thomas M. Hancock , Karen K. Lewy , Charles R. Liu , Jack Meyers , Sheryl W. Strott , Faith A. Tucker , Carrie A. Williams
IPC: G06Q20/10
CPC classification number: G06Q20/10 , G06Q20/40 , G06Q40/02 , G06Q40/025
Abstract: A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.
Abstract translation: 处理由第一人执行的金融交易的计算机实施方法包括通过将金融交易的金额四舍五入到最接近的美元来确定来自金融交易的自动储蓄金额。 该方法还包括从第一人员的账户中扣除所计算的储蓄金额并将储蓄金额记入第二人的账户。
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