公开(公告)号：US20170243286A1

公开(公告)日：2017-08-24

申请号：US15049835

申请日：2016-02-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Michael Wuehler

IPC: G06Q40/00 ,  G06F21/62 ,  H04L29/06

CPC classification number: G06Q40/00 ,  G06F21/6245 ,  H04L9/3236 ,  H04L63/08 ,  H04L63/102 ,  H04L2209/38 ,  H04L2209/56 ,  H04L2463/102

Abstract: Systems, computer program products, and methods are described herein for a system for allowing external validation of data 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; receive an indication that the entity has executed a transfer of resources at a terminal; receive information associated with the transfer of resources based on at least receiving the indication that the entity has executed the transfer of resources; and update the block chain of transaction information with the transaction activity executed by the entity.

公开(公告)号：US20170213221A1

公开(公告)日：2017-07-27

申请号：US15050098

申请日：2016-02-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  Michael Wuehler

IPC: G06Q20/40 ,  G06Q20/42

CPC classification number: G06Q20/4014 ,  G06Q20/38215 ,  G06Q20/42 ,  G06Q2220/00

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 multiple and/or changing identities of an entity and/or individual. The block chain database comprises a distributed ledger that is updated with real-time identification information including end-point identifications of entities and/or individuals. The identifications are monitored and coded with a validity window. The validity window provides a duration of availability for the identification for authorization purposes. Upon an authorization request, the invention identifies an identification associated with the request and confirms the validity window is open for the request prior to authorization.

公开(公告)号：US20170140408A1

公开(公告)日：2017-05-18

申请号：US14942326

申请日：2015-11-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Michael Wuehler

IPC: G06Q30/02

CPC classification number: G06Q30/0207

Abstract: Embodiments enable a transparent self-managing rewards program using a smart contract block chain distributed network by receiving a transaction record associated with a smart contract, wherein the transaction record comprises input data indicating one or more actions taken by a user; accessing a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; using smart contract logic associated with the smart contract, determining whether the indicated one or more actions meets a condition of the smart contract, thereby validating the transaction record, and in some embodiments, in response to determining the one or more actions meets the condition of the smart contract, thereby validating the transaction record, initiating rewarding the user with rewards corresponding to the condition.