公开(公告)号：US10965548B2

公开(公告)日：2021-03-30

申请号：US16800876

申请日：2020-02-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Jeetendra Hukmichand Jain

IPC: H04L29/06 ,  H04L12/24 ,  G06Q40/00 ,  G06Q30/06 ,  G06Q20/40 ,  G06F15/173 ,  G06F15/16

Abstract: Embodiments of the invention provide systems, computer program products, and methods for a network operational decisional engine (NODE) to allow individual users to set resource distribution constraints on various accounts over a number of different networks. By providing a centralized user interface and storing and tracking user configuration and account data, the invention recognizes and filters resource distribution requests based on operational decisions as specified by users in order to provide increased control over the authorization or denial of resource distribution requests. The NODE provides the ability to proactively control resource distribution constraints before requests for resource distribution are initiated, and allows for tailored operational decisions to be easily implemented based on a wide range of user-defined criteria.

公开(公告)号：US20210042675A1

公开(公告)日：2021-02-11

申请号：US16534815

申请日：2019-08-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Lee Ann Proud ,  Joseph Benjamin Castinado ,  Martha Sain McClellan ,  Kathleen Hanko Trombley

IPC: G06Q10/06 ,  G06F9/54

Abstract: A system that provides for selection, at the onset of a resource event, between (i) a first resource event volume of a first resource type (i.e., a resource type associated with the resource-providing entity) and (ii) a second resource event volume of a second type (i.e., a resource type associated with the resource-receiving entity). The first resource event volume used in the selection is determined by applying a conversion rate to the second resource event volume near to or in conjunction with the initiation of the resource event. As a result, resource conversion occurs at the onset of the resource event as opposed to conventional processing which provides for the resource conversion at or near the conclusion of the resource event.

公开(公告)号：US20200213122A1

公开(公告)日：2020-07-02

申请号：US16237763

申请日：2019-01-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

IPC: H04L9/32 ,  H04L9/06 ,  H04L9/16

Abstract: Universal tags linked to the content of a data file are sporadically/periodically generated for protecting the authenticity of the data file and/or the owner/creator of a digital file. New universal tags are generated by altering one or more keys/seeds used to generate the universal tag. Once a current universal key is generated, the current universal tag is registered on a distributed ledger of at least on distributed trust computing network, thus superseding the registration of a last-in-time/previous universal tag to thereby become the effective validation means for (i) an authenticity of the data file, and/or (ii) the user associated with the data file (e.g., rightful possessor and/or creator of the digital file).

公开(公告)号：US10567961B2

公开(公告)日：2020-02-18

申请号：US15802024

申请日：2017-11-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: G06F17/30 ,  H04W12/06 ,  G16H10/60 ,  H04L29/06

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for electroencephalogram patterning recognition for user authentication into one or more physical or digital locations. In this way, the system may generate a spectral analysis baseline electroencephalogram reading for a user that can be segmented and analyzed based on a specific time span associated with a known stimulus or event, and diagnostic applications generally focus on either event-related potentials or the like. Upon initiating a request to enter a location requiring authentication, an electroencephalogram reading may be generated and patterned after the baseline electroencephalogram reading for the user. The system may perform patterned recognition of the readings and provide an authentication confidence of the user for authentication into the location.

公开(公告)号：US20200036688A1

公开(公告)日：2020-01-30

申请号：US16045210

申请日：2018-07-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: H04L29/06 ,  H04L9/08 ,  H04L9/14 ,  H04L9/32

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for end to end encryption on a network without using certificates. The system utilizes a correlation between two quantum particles that are entangled. In this way, data may be encrypted with the particles and transmitted to end users. Since the particles are forced to behave the same way even if they are separated, the data associated with the particles is not able to be breached. In the application encryption processing, that means the particles are not hackable and the encryption is always true and accurate. In this way, verification of application encryption occurs via particle measurement by leveraging the fact that that there is only one sender and one receiver, because they are of the same particle computation or physical end-point, instead of current encryption relying on logical end-points.

公开(公告)号：US10456054B2

公开(公告)日：2019-10-29

申请号：US15802034

申请日：2017-11-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: A61B5/04 ,  A61B5/00 ,  A61B5/0476 ,  G06F16/27 ,  G06F16/2457

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for electroencephalogram triggered resource distribution query. In this way, the system may generate a spectral analysis baseline electroencephalogram reading for a user that can be segmented and analyzed based on a specific time span associated with a known stimulus or event, and diagnostic applications generally focus on either event-related potentials or the like. The system may utilize EEG recognition to identify a user baseline and for tiered velocity/frequency tolerance identification of resource distribution. In this way, based on a tiered velocity/frequency tolerances of the user or the resource distribution system, the user may be alerted of an action control network for management of the resource distribution upon an EEG reading during initiation of the resource distribution.

公开(公告)号：US20190318329A1

公开(公告)日：2019-10-17

申请号：US15951981

申请日：2018-04-12

Applicant: Bank of America Corporation

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: G06Q20/10 ,  H04L9/06 ,  H04L29/08 ,  G06Q20/40

Abstract: The present invention provides for real-time (or near real-time) processing of computing events that are triggered by a threshold level being met by data detected at Internet-of-Things devices and, in response to meeting the threshold, communicating an event processing request to a real-time event-mediating channel. The real-time event-mediating channel is capable of processing such events in real-time or near real-time by storing event commitment records in a distributed blockchain network that authenticates a user associated with an event and authorizes an event facilitating entity to access a resource depository associated with the event.

公开(公告)号：US10440102B2

公开(公告)日：2019-10-08

申请号：US15372887

申请日：2016-12-08

Applicant: Bank of America Corporation

Inventor： Akiva Kates ,  Joseph Benjamin Castinado ,  Rob Oddy ,  Brandon Castagna

IPC: H04L29/08 ,  G06F3/0482

Abstract: Aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator and a dynamic endpoint engine. A computing platform may receive, from a client computing device, event definition information defining an event. Subsequently, the computing platform may receive, from a recipient computing device associated with the event, a request for a recipient-selection user interface, and may determine that a dynamic endpoint option is available for a user of the recipient computing device. Thereafter, the computing platform may send, to the recipient computing device, a delivery selection user interface that includes a user-selectable option that, when invoked, causes the computing platform to create a new endpoint. The computing platform may receive delivery selection information from the recipient computing device, and may generate and send one or more event orchestration commands directing an event processor to execute one or more actions associated with the event.

公开(公告)号：US10430769B2

公开(公告)日：2019-10-01

申请号：US15588294

申请日：2017-05-05

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Pavan Kumar Neelam

IPC: G06Q20/08 ,  G06Q20/36 ,  G06Q20/34 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/24 ,  H04W4/02 ,  H04W84/12 ,  H04W4/80

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing and linking into an atypical third party channel for completion of resource distribution. In this way, a third party system may not implement hardware for digital or electronic resource acceptance. The system links into local channels such as wireless networks to send resource distributions to a server to map and authorize resource distribution. Network systems may communicate back directly to the third party for approval of the resource distribution. Furthermore, the system interacts between the network system and third party to initiate and complete authorization for a digital resource distribution that is otherwise not capable of being performed by a third party system.

公开(公告)号：US10284538B2

公开(公告)日：2019-05-07

申请号：US15335009

申请日：2016-10-26

Applicant: Bank of America Corporation

Inventor： Samuel Massa Moiyallah, Jr. ,  Joseph Benjamin Castinado ,  Susan J. Moss

IPC: H04L29/06 ,  H04W12/06 ,  G06F21/31 ,  G06F21/32

Abstract: Disclosed is an event processing and identity validation system. The system typically includes a processor, a memory, and an event processing and identity validation module stored in the memory. The system is typically configured for: validating a set of identity information for each profile of a set of profiles, receiving an event request comprising user identifying information, comparing the user identifying information with the sets of identity information of the set of profiles to determine a matching profile, processing the event request by generating an authentication code, notifying the user of the event request, determining that a device of the user is within a defined distance of an authentication location and automatically transmitting the generated authentication code to the device of the user, receiving a key code from a computing device, and determining a match between the key code and the authentication code to complete the event request.