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公开(公告)号：US11893418B2
公开(公告)日：2024-02-06
申请号：US17896153
申请日：2022-08-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Richard C. Clow, II , Joseph Benjamin Castinado
CPC classification number: G06F9/5011 , G06F9/542 , H04L63/083
Abstract: Initiating the processing of resource events across disparate real-time processing networks, such as networks located international. In order to facilitate such resource events determinations are made that authorize the resource event participants to conduct the resource event across the international real-time processing networks. Once properly authorized the present invention provides for processing parameters to be determined, which may be specific to anyone of the resource participants and/or international real-time processing networks. Such processing parameters may be related to rules associated with settlement of the resource event, conversion rules for the international conversion of resources, resource sponsorship and the like. Once the resource event has been authorized and processing parameters determined, commands are sent to the respective interconnected international real-time processing networks that initiate the real-time processing of the resource event.
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公开(公告)号：US11755306B2
公开(公告)日：2023-09-12
申请号：US17162281
申请日：2021-01-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Lee Barry Frantz , Joseph William Pellar , Ann Ta
IPC: G06F8/00 , G06F8/65 , G06Q10/0631 , G06Q10/0637 , G06F9/445 , G06Q20/20
CPC classification number: G06F8/65 , G06F9/445 , G06Q10/06315 , G06Q10/06375 , G06Q20/202
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an integrated entity resource distribution device set-up and deliver platform for distribution of devices to an entity for resource acceptance. An entity must be activated and on-boarded to accept resource acceptance and processing. The invention creates a platform for identification of entity needs with respect to resource acceptance devices. With this information the platform generates configured resource acceptance devices for the entity with correct components and sub-components. Furthermore, the system integrate software and firmware in an appropriate sequence onto resource acceptance devices components and sub-components. The platform then ties the software with the entity and the resource acceptance device identifiers to allow for resource distribution processing for the entity to intelligently provide correct loading and correlating of subcomponents onto a device without entity setup and integration with other merchant devices.
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213.发明公开公开(公告)号：US20230179427A1
公开(公告)日：2023-06-08
申请号：US17545215
申请日：2021-12-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Kevin Graham Robberts
CPC classification number: H04L9/3247 , H04L9/30
Abstract: A system is provided for processing offline digital resource transfers using a hardware device based cryptographic application. In particular, the system may comprise a portable hardware device or chip that have a cryptographic application and key stored thereon. The hardware chip may further store information about a digital resource associated with the user. A user may, through a user computing device, initiate a digital resource transfer by retrieving a data record associated with the digital resource transfer from a terminal. The user computing device may then access the cryptographic application stored on the hardware chip, where the cryptographic application may use the cryptographic key to digitally sign the data record. In this way, the system provides a secure and efficient way to process offline digital resource transfers.
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214.发明申请公开(公告)号：US20230064944A1
公开(公告)日：2023-03-02
申请号：US17410593
申请日：2021-08-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Lee Ann Proud , Joseph Benjamin Castinado , Hosam Sonny ElHamahmy , David Gregg Kambour , Amy Marie Lamb , Jennifer Ann Maggart
Abstract: Systems, computer program products, and methods are described herein for scanning and mapping entity portals to distribution processing systems. The present invention may be configured to scan an entity portal of a distribution processing system to generate responses of the entity portal to test distributions, where the entity portal is associated with an entity, and where the distribution processing system processes distributions for the entity. The present invention may be configured to receive, from the entity portal, responses of the entity portal to the test distributions, where the responses include data associated with distributions processed by the distribution processing system for the entity. The present invention may be configured to determine, based on the data, resources offered by the entity to users, an accounting hierarchy of the entity, and settlement procedures for processing distributions for the entity and generate a mapping of the entity portal to another distribution processing system.
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公开(公告)号：US11587072B2
公开(公告)日：2023-02-21
申请号：US17325986
申请日：2021-05-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Paul Benton Murphy , Naoll Addisu Merdassa
Abstract: Systems, computer program products, and methods are described herein for secure resource transfer integration. The present invention is configured to electronically receive an access request to access a cold storage wallet associated with the user; initiate an authentication protocol to determine whether the user is authorized to access the cold storage wallet; provide access to the cold storage wallet to the user based on at least determining that the user is authorized to access the cold storage wallet; electronically receive a user request to transfer at least a portion of resources from the cold storage wallet to a resource distribution account associated with the user; execute the transfer of at least the portion of resources from the cold storage wallet to the resource distribution account; and display a notification indicating the execution of the transfer of at least the portion of resources.
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Patent Agency Ranking
公开(公告)号：US20230009908A1
公开(公告)日：2023-01-12
申请号：US17372904
申请日：2021-07-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Naoll Addisu Merdassa , Ann Ta
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for onboarding digital content to a platform designed specifically for seamless creation and user-friendly management of non-fungible tokens. The invention allows for users with zero knowledge of decentralized protocols to leverage the benefits of such technologies by providing a system for uploading existing digital content, automating the creation of one or more non-fungible tokens, managing permissioned access to the non-fungible tokens, and facilitating the ownership transfer of the non-fungible tokens.
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公开(公告)号：US20220400474A1
公开(公告)日：2022-12-15
申请号：US17345115
申请日：2021-06-11
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Naoll Addisu Merdassa , Lalit Dhawan , Robert Nyeland Huggins , Pratap Dande , Michael Joseph Carroll , Brandon Sloane , Vijaya L. Vemireddy
Abstract: Embodiments of the present invention provide a secure edge device for contactless resource distribution and resource crediting from an automobile. In this way, the edge device may be affixed to or embedded within the side or the mirror of an automobile and be able to communicate with a third party device using near field communication. Upon authentication of a user, the edge device may communicate with the third party to transmit and present data about the resource distribution to the automobile display. The system allows for the user to select the resource distribution via the automobile display and provide a completion of resource distributions.
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公开(公告)号：US20220400104A1
公开(公告)日：2022-12-15
申请号：US17347188
申请日：2021-06-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Brandon Ingram , Ann Ta
IPC: H04L29/06
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user historical data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's historical data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said historical data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.
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公开(公告)号：US11461138B2
公开(公告)日：2022-10-04
申请号：US17207960
申请日：2021-03-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Richard C. Clow, II , Joseph Benjamin Castinado
Abstract: Initiating the processing of resource events across disparate real-time processing networks, such as networks located international. In order to facilitate such resource events determinations are made that authorize the resource event participants to conduct the resource event across the international real-time processing networks. Once properly authorized the present invention provides for processing parameters to be determined, which may be specific to anyone of the resource participants and/or international real-time processing networks. Such processing parameters may be related to rules associated with settlement of the resource event, conversion rules for the international conversion of resources, resource sponsorship and the like. Once the resource event has been authorized and processing parameters determined, commands are sent to the respective interconnected international real-time processing networks that initiate the real-time processing of the resource event.
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公开(公告)号：US20220245546A1
公开(公告)日：2022-08-04
申请号：US17162281
申请日：2021-01-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Lee Barry Frantz , Joseph William Pellar , Ann Ta
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an integrated entity resource distribution device set-up and deliver platform for distribution of devices to an entity for resource acceptance. An entity must be activated and on-boarded to accept resource acceptance and processing. The invention creates a platform for identification of entity needs with respect to resource acceptance devices. With this information the platform generates configured resource acceptance devices for the entity with correct components and sub-components. Furthermore, the system integrate software and firmware in an appropriate sequence onto resource acceptance devices components and sub-components. The platform then ties the software with the entity and the resource acceptance device identifiers to allow for resource distribution processing for the entity to intelligently provide correct loading and correlating of subcomponents onto a device without entity setup and integration with other merchant devices.
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