公开(公告)号：US11627098B1

公开(公告)日：2023-04-11

申请号：US17571789

申请日：2022-01-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L47/80 ,  H04L41/50 ,  H04L12/14 ,  H04L41/5006

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US11558370B2

公开(公告)日：2023-01-17

申请号：US17347188

申请日：2021-06-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Ann Ta

IPC: H04L9/40

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.

公开(公告)号：US20220400010A1

公开(公告)日：2022-12-15

申请号：US17347159

申请日：2021-06-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: H04L9/32 ,  H04L9/14

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 biometric 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 biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric 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.

公开(公告)号：US20220237683A1

公开(公告)日：2022-07-28

申请号：US17161191

申请日：2021-01-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Raveendra Ambulooru ,  Lee Ann Proud ,  Ann Ta

IPC: G06Q30/06 ,  G06N20/00 ,  G06F16/2455

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of resource transfer data in order to identify potential customers to which a merchant has not sold, where the new group of potential customers has previously purchased goods and services similar to the goods and services offered by the merchant. The system may provide recommendations to the merchant for adjusting marketing and distribution strategies and may also provide an intelligent predictive analysis of increased sales volume and efficiency.

公开(公告)号：US20220215330A1

公开(公告)日：2022-07-07

申请号：US17140525

申请日：2021-01-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Ann Ta

IPC: G06Q10/08 ,  G06Q10/04 ,  G06Q10/06

Abstract: Systems, computer program products, and methods are described herein for directing resource transfers based on resource distribution data. The present invention may be configured to receive resource distribution data associated with a plurality of resource distributions, where the resource distribution data includes a plurality of resources, a plurality of receiving locations, and a plurality of delivery locations. The present invention may be further configured to receive a target efficiency rate for transfer containers corresponding to a percentage of capacity of the transfer containers occupied while the transfer containers are transferring the resources. The present invention may be further configured to determine, based on the resource distribution data and the target efficiency rate, instructions for achieving the target efficiency rate for the transfer containers while receiving and delivering the plurality of resources from the plurality of receiving locations and to the plurality of delivery locations.

公开(公告)号：US11295329B2

公开(公告)日：2022-04-05

申请号：US16905459

申请日：2020-06-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Lee Barry Frantz ,  Lee Ann Proud ,  Ann Ta

IPC: G06Q30/02 ,  G06Q50/16 ,  G06Q50/28 ,  G01V99/00 ,  G06Q10/04 ,  G06F16/2457 ,  H04W4/021 ,  G06Q10/06

Abstract: A system for geographic resource mapping is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; a processing device, wherein the processing device is configured to execute the computer-readable program code to: receive a geographic location for a proposed resource site from a user; extract historical interaction information associated with the geographic location and the user from an interaction database; generate a resource map for the geographic location based on the historical interaction information and the proposed resource site; calculate a landscape score for the proposed resource site at the geographic location, wherein the landscape score compares the proposed resource site with other resource sites associated with the geographic location based on the generated resource map; and based on the landscape score falling below a predetermined threshold, reject the proposed resource site at the geographic location.

公开(公告)号：US20210398103A1

公开(公告)日：2021-12-23

申请号：US16905414

申请日：2020-06-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Lee Barry Frantz ,  Lee Ann Proud ,  Ann Ta

IPC: G06Q20/32

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a secure mobile resource interaction device for mobile resource distribution services providing a smart interface interactivity linkage between parties. The system incorporates misappropriation service identifications for a merchant, a co-geolocation colocation, and a pinning element incorporated within the secure mobile resource interaction device to confirm security for completion of resource distribution. Upon qualification of one or more of the incorporated elements, the device may activate and provide a display for completion of resource distribution.

公开(公告)号：US12292951B2

公开(公告)日：2025-05-06

申请号：US18759026

申请日：2024-06-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: G06F21/31 ,  G06F21/00 ,  G06F21/45 ,  G06F21/57

Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.

公开(公告)号：US12124875B2

公开(公告)日：2024-10-22

申请号：US17375617

申请日：2021-07-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Ann Ta

IPC: G06F9/50 ,  G06F9/451

CPC classification number: G06F9/5005 ,  G06F9/451

Abstract: Embodiments of the present invention provide a system for facilitating creation, verification, and management of digital resources. The system is configured for receiving a digital content for upload to a distributed register from a user, via a user interface, receiving one or more instructions associated with distribution of the digital content from the user, via the user interface, creating one or more digital resources from the digital content via the user interface based on the one or more instructions received from the user, and storing the one or more digital resources on the distributed register.

公开(公告)号：US20240187383A1

公开(公告)日：2024-06-06

申请号：US18439723

申请日：2024-02-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  G06Q20/32 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to: receive from a first user input device a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine that the first communication channel does not meet one or more preset channel requirements for secure communication; receive information regarding one or more user input devices associated with one or more communication channels; determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements; and trigger the second user input device to establish a communication link with the first user input device to form an alternate communication channel with the first user input device.