公开(公告)号：US20230169188A1

公开(公告)日：2023-06-01

申请号：US18096507

申请日：2023-01-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mousumi Chatterjee ,  Shyam Acharya ,  James Alexander ,  David Smiddy ,  Devi Kumar

IPC: G06F21/60 ,  G06F9/54 ,  H04L67/02 ,  G06F16/22 ,  G06F11/30

CPC classification number: G06F21/602 ,  G06F9/547 ,  G06F11/3006 ,  G06F16/2282 ,  H04L67/02

Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.

公开(公告)号：US11636481B2

公开(公告)日：2023-04-25

申请号：US17317714

申请日：2021-05-11

Applicant: Bank of America Corporation

Inventor： Paul Martin Mattison, Sr. ,  Matthew E. Williams ,  Carl Parziale ,  Pavan Singaraju ,  Anne Price ,  David Smiddy ,  Brandon Kozlowski ,  Jennifer Raley

IPC: G06Q20/40 ,  G06Q20/32 ,  G07D11/60 ,  G06Q20/10 ,  G06Q20/20 ,  G07D11/32 ,  G07D11/245 ,  G07D11/36 ,  G07D11/23 ,  G07D11/34 ,  G06N20/00 ,  G07D7/00 ,  G07F19/00

Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.

公开(公告)号：US11620644B2

公开(公告)日：2023-04-04

申请号：US17232499

申请日：2021-04-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Harold Joseph Kennedy ,  Tony England ,  David Smiddy

IPC: G06Q20/36 ,  H04L9/32 ,  G06Q20/32

Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument. The present invention may be configured to receive signals from a user device comprising information identifying the token, determine, based on receiving the signals, whether the token is mapped to the second resource distribution instrument, and initiate, based on determining that the token is mapped to the second resource distribution instrument, an interaction associated with the second resource distribution instrument.

公开(公告)号：US20230052400A1

公开(公告)日：2023-02-16

申请号：US17398691

申请日：2021-08-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Carl Parziale ,  James Alexander ,  Elizabeth Anne Price ,  David Smiddy

IPC: G06F3/12

Abstract: Embodiments of the present invention provide a system for transforming entity device to a multi-functional device via a remote communication link. In particular, the system may be configured to receive an interaction request from an associate, via an associate device, wherein the interaction request is associated with a user, authenticate the associate using the associate device, in response to authenticating the associate, establish a remote communication link between the associate device and an entity device, receive an activation request from the associate to activate the entity device, via the associate device and the remote communication link, and in response to receiving the activation request, activate the entity device and transform the entity device to a multi-functional device.

公开(公告)号：US12113904B2

公开(公告)日：2024-10-08

申请号：US18520321

申请日：2023-11-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  David Smiddy ,  Harold Joseph Kennedy

IPC: H04L9/32 ,  G06F9/50

CPC classification number: H04L9/3213 ,  G06F9/5027

Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.

公开(公告)号：US20240320642A1

公开(公告)日：2024-09-26

申请号：US18124135

申请日：2023-03-21

Applicant: Bank of America Corporation

Inventor： Paul Mattison ,  David Smiddy ,  Charles H. Gruesbeck, II ,  Kurt A. Loth ,  Matthew E. Williams ,  Nathaniel Mckinnon ,  Melvin Gregory Nixon ,  Frazier Smith ,  Nicholas F. Catalano ,  Aaron L. Buchanan ,  Frederick Louis Chinske, IV

IPC: G06Q20/10

CPC classification number: G06Q20/1085

Abstract: Aspects of the disclosure related to identifying and resolving anomalies associated with an ATM processing a check that has been deposited by a customer. The computing platform may receive a digital representation of the check that has been deposited. The computing platform may compare parameters associated with the check to expected parameters. The computing platform may generate a validation report comprising an anomaly, an event code associated with the anomaly, and an action to resolve the anomaly based on the event code. The computing platform may input results and feedback into a machine learning model to further refine the accuracy and reliability of the computing platform over time.

公开(公告)号：US11966481B2

公开(公告)日：2024-04-23

申请号：US18096512

申请日：2023-01-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mousumi Chatterjee ,  Shyam Acharya ,  James Alexander ,  David Smiddy ,  Devi Kumar

IPC: G06F21/60 ,  G06F9/54 ,  G06F11/30 ,  G06F16/22 ,  H04L67/02

CPC classification number: G06F21/602 ,  G06F9/547 ,  G06F11/3006 ,  G06F16/2282 ,  H04L67/02

Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.

公开(公告)号：US20240097904A1

公开(公告)日：2024-03-21

申请号：US18520321

申请日：2023-11-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  David Smiddy ,  Harold Joseph Kennedy

IPC: H04L9/32 ,  G06F9/50

CPC classification number: H04L9/3213 ,  G06F9/5027

Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.

公开(公告)号：US11876793B2

公开(公告)日：2024-01-16

申请号：US17401015

申请日：2021-08-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： David Smiddy ,  Himanshu Goyal ,  Raghu Nadimpalli ,  Sanath K. Pasumarthy ,  Zeal J. Shah

IPC: H04L9/40 ,  G06F16/957 ,  G06F16/955

CPC classification number: H04L63/0815 ,  G06F16/9566 ,  G06F16/9574

Abstract: Simultaneous distributed application support of multiple identity management systems is provided through the use of virtual web server instances, which enable one identity management system, on physical servers already running a pre-existing web server instance, which enables a different identity management system. Further, an intelligent rules-based determination is implemented to determine whether to route an access request to either the virtual or pre-existing web server instance. Since the virtual web server instances are generated on the same physical server that executes the pre-existing web service instance, the the existing network flow (i.e., a single URL) and physical infrastructure is leveraged to create a simplified approach to managing the simultaneous use of multiple identity management systems across different distributed applications.

公开(公告)号：US11711698B2

公开(公告)日：2023-07-25

申请号：US17398401

申请日：2021-08-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Carl Parziale ,  James Alexander ,  Elizabeth Anne Price ,  David Smiddy

IPC: G06F21/00 ,  H04W12/50 ,  H04L9/32 ,  H04W12/63

CPC classification number: H04W12/50 ,  H04L9/3228 ,  H04W12/63

Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine, such as an automated teller machine (ATM). In particular, the system may assign exclusive control over an automated device to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions. In some embodiments, the system may invoke one or more auxiliary devices on the same network to complete the interaction.