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公开(公告)号：US20170243214A1
公开(公告)日：2017-08-24
申请号：US15050316
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Darrell Johnsrud , Manu Jacob Kurian
CPC classification number: G06Q20/401 , G06Q20/3823 , G06Q40/025 , G06Q2220/00
Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing transaction history of unbanked and underbanked users in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.
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公开(公告)号：US20170243209A1
公开(公告)日：2017-08-24
申请号：US15050292
申请日：2016-02-22
Applicant: Bank of America Corporation
Inventor： Darrell Johnsrud , Manu Jacob Kurian
CPC classification number: G06Q20/40 , G06Q20/0658 , G06Q20/10 , G06Q2220/00 , H04L9/3236 , H04L12/14 , H04L2209/38 , H04L2209/56 , H04M15/8214 , H04M15/85 , H04M15/852 , H04M15/854 , H04M15/866 , H04M15/88 , H04M15/887
Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use a block chain distributed network for granting user access and/or data usage in a process data network. Embodiments receive a transaction record associated with a payment transaction initiated by a user, wherein the transaction record comprises transaction data indicating a payor account owned by a payor distinct from the user, a payee and an amount; access a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and determine, using the accessed distributed ledger, whether the user is authorized to conduct the payment transaction. In some cases, the system determines, using the accessed distributed ledger, that one or more payor restrictions have been placed on user use of the payor account; and applies the payor restrictions to processing of the payment transaction.
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公开(公告)号：US10607285B2
公开(公告)日：2020-03-31
申请号：US15050321
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Darrell Johnsrud , Manu Jacob Kurian
Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing serializability of resource transfers in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.
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公开(公告)号：US10142312B2
公开(公告)日：2018-11-27
申请号：US15049777
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Darrell Johnsrud , Manu Jacob Kurian , Michael Wuehler
Abstract: Systems, computer program products, and methods are described herein for a system for establishing secure access for users in a process data network. The present invention is configured to create a block chain of resource information based on at least aggregated information associated with past transfer of resources executed by an entity; analyze the block chain of resource information to determine a pattern associated with the past transfer of resources executed by the entity; receive an indication that the entity has executed a transfer of resources; receive information associated with the transfer of resources; compare the information associated with the transfer of resources with the pattern associated with the past transfer of resources executed by the entity to determine a match; and allow the execution of the transfer of resources.
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公开(公告)号：US20170032372A1
公开(公告)日：2017-02-02
申请号：US14814890
申请日：2015-07-31
Applicant: Bank of America Corporation
Inventor： Darrell Johnsrud
CPC classification number: G06Q20/4016 , G06Q20/02 , G06Q20/042 , G06Q20/40145
Abstract: Systems, methods, apparatuses, and computer-readable media for transferring funds from a first entity, such as a business, to an unattended deposit system of a second entity, such as a financial institution are provided. The funds may be transferred by a transport agent who, in some examples, may provide registration information, including biometric data, and for which a background check may be performed prior to the transport agent becoming an authorized transport agent. Upon making the deposit, the transport agent may provide identifying information, such as biometric data. This data may be compared to the registration information and, if it matches, the deposit may be permitted. If it does not match, the deposit may be prevented. The identifying information received by the system may be associated with a unique identifier assigned to the deposit transaction and the information may be stored to have a record of the individual making the deposit.
Abstract translation: 提供了用于将资金从诸如业务的第一实体转移到诸如金融机构的第二实体的无人值守存款系统的系统，方法，设备和计算机可读介质。 资金可以由运输代理转移，运输代理在一些示例中可以提供包括生物特征数据的注册信息，并且可以在运输代理成为授权的运输代理之前执行背景检查。 在进行存款时，运输代理人可以提供诸如生物特征数据的识别信息。 该数据可以与注册信息进行比较，如果匹配，则可以允许存款。 如果不匹配，可以防止存款。 系统接收到的识别信息可以与分配给存款交易的唯一标识符相关联，并且可以存储该信息以具有进行存款的个人的记录。
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Patent Agency Ranking
公开(公告)号：US10387878B2
公开(公告)日：2019-08-20
申请号：US15050316
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Darrell Johnsrud , Manu Jacob Kurian
Abstract: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing transaction history of unbanked and underbanked users in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.
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公开(公告)号：US10140470B2
公开(公告)日：2018-11-27
申请号：US15049852
申请日：2016-02-22
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Darrell Johnsrud
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating the status of distributed portions of a finite resource and the obligations of users to return portions of the finite resource. In example implementations, the block chain database comprises a distributed ledger that is updated to reflect the status and availability of particular portions of the finite resource, including the fractional return of resource portions by users to whom such portion had previously been assigned. Example implementations also implement the use of queries to the block chain to validate requests for access to particular portions of a finite resource, determine the availability of the portion and verify the satisfaction of resource-return obligations incurred by users.
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公开(公告)号：US10116667B2
公开(公告)日：2018-10-30
申请号：US15050094
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Darrell Johnsrud
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for facilitating the conversion of an instrument into a verified secured instrument. The block chain database comprises a distributed ledger that is updated with resource availability based on database node communication. The resource availability is compared to a distribution amount associated with an instrument presented to a receiver for resource distribution. Prior to resource distribution the block chain distributed network confirms the resource availability and marks the resources as unavailable. As such, the invention converts instrument into a verified secure instrument based on an identification of sufficient resources available in association with the instrument.
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公开(公告)号：US20170244720A1
公开(公告)日：2017-08-24
申请号：US15049865
申请日：2016-02-22
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Darrell Johnsrud
IPC: H04L29/06 , H04L29/08 , H04L12/911
CPC classification number: H04L67/10 , G06F21/64 , G06Q40/00 , G06Q40/06 , H04L9/3236 , H04L67/22 , H04L2209/38
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating protocols and other operations associated with the transition of one or more resources from being arranged in a consolidated, privately-held structure to being arrange and/or distributed in a publicly available structure. In example implementations, the block chain database is used and updated to reflect the status degree of completion of protocols associated with the identification, characterization, and dissemination of resource characteristics and resource shares, including the fractional distribution of resource portions to effectuate the efficient transition of a resource.
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20.发明申请公开(公告)号：US20170243217A1
公开(公告)日：2017-08-24
申请号：US15050372
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Darrell Johnsrud , Manu Jacob Kurian , Michael Wuehler
CPC classification number: G06Q20/4014 , G06Q20/3821 , G06Q20/401 , G06Q2220/00 , H04L9/3236 , H04L2209/38 , H04L2209/56
Abstract: Embodiments of the present invention are directed to routing process authorizations to determine an appropriate legal entity name when an alternate entity name is provided. The system stores alternate entity names in a private or semi-private block chain distributed network, where a block chain ledger keeps an ongoing record of the alternate entity names and their associated legal entity name. When an authorization request is received that does not include a known legal entity name, the system will match the listed entity name with one of the stored alternate entity names, and thereby determine the legal entity name that should be associated with the authorization request.
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