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公开(公告)号：US20220020006A1
公开(公告)日：2022-01-20
申请号：US16933170
申请日：2020-07-20
Applicant: Bank of America Corporation
Inventor： Charles Jason Burrell , Justin Riley duPont , Michael Robert Hasslinger , John Allen Sellers , Tony England , Christina Ann Lillie
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for passive resource instant translation. The invention receives input from a user via a communicable linkage between the user and the user's passive resource collection account. Passive resources are instantly translated to resources ready for use according to a passive resource to active resource translation ratio. The converted passive resources are stored in a converted passive resource account. The invention may then identify a user request for transfer of active resources and prompt the user to select a resource account to fulfill the user request. The invention may then release active resources based on user request and input.
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公开(公告)号：US20210256489A1
公开(公告)日：2021-08-19
申请号：US16794457
申请日：2020-02-19
Applicant: Bank of America Corporation
Inventor： Malathi Jivan , Poppy Marie Kimball , Thomas Elliott , Audrey L. Longfellow , Heather Roseann Dolan , Christina Ann Lillie , Justin Riley duPont
Abstract: A system for automated resource transfers based on predictive electronic data analysis is provided. In particular, the system may continuously track data (e.g., as historical data) that may be sent between two entities, where the data may include resource transfer data. Based on the parameters of the resource transfer data, the system may identify a pattern within the historical data in order to set up a recurring resource transfer based on the identified pattern. In this way, the system may increase the efficiency of resource transfers executed across entities.
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公开(公告)号：US20210065292A1
公开(公告)日：2021-03-04
申请号：US17000669
申请日：2020-08-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Charles Jason Burrell , Sara Suzanne Carr , Jane Elizabeth Cook , Justin Riley duPont , Kajal Gupta , Bradley Ryan Holland , Robert Nyeland Huggins , Kashif M. Siddiqui
IPC: G06Q40/02 , G06Q10/10 , G09B19/18 , G06F3/0484
Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent on-boarding, support, education of non-conventional resource account users. In particular, the present disclosure includes tools for aggregation and intelligent data sharing between multiple users and associated resource accounts in order to generate a comparison between resource accounts and identify and incentivize potential earning opportunities. The competitive comparison may be continuously updated as earning opportunities are completed by the various users, and educational modules are provided via a resource account interface related to various topics of resource management responsibility for guided and reinforced learning.
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公开(公告)号：US20210064663A1
公开(公告)日：2021-03-04
申请号：US17000710
申请日：2020-08-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Charles Jason Burrell , Sara Suzanne Carr , Jane Elizabeth Cook , Justin Riley duPont , Kajal Gupta , Bradley Ryan Holland , Robert Nyeland Huggins , Kashif M. Siddiqui
IPC: G06F16/9035 , G06F9/50 , G06F16/906 , G09B7/06 , A63F13/352 , A63F13/5255
Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent on-boarding, support, education of supervised resource account users. The systems described herein allow for intelligent linkage of supervised resource accounts with existing accounts of a supervising user, creating tools for enhanced transfer of resources to a supervised user. The system offers interactivity and education opportunity along with resource transfers by determining resource allocation recommendations and providing goal-tracking capabilities.
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公开(公告)号：US11889480B2
公开(公告)日：2024-01-30
申请号：US17580957
申请日：2022-01-21
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
IPC: H04W72/044 , H04W4/80 , G06F9/50 , H04W12/06
CPC classification number: H04W72/044 , G06F9/5011 , H04W4/80 , H04W12/068
Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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Patent Agency Ranking
公开(公告)号：US11722904B2
公开(公告)日：2023-08-08
申请号：US18085036
申请日：2022-12-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
CPC classification number: H04W12/68 , G06T19/006 , G06V40/20 , H04W12/068
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：USD988343S1
公开(公告)日：2023-06-06
申请号：US29822275
申请日：2022-01-07
Applicant: BANK OF AMERICA CORPORATION
Designer： Justin Riley duPont , Charles Jason Burrell , Tony England , Michael Robert Hasslinger , Christina Ann Lillie , John Allen Sellers
Abstract: The FIGURE is a front view of a display screen with graphical user interface showing our new design.
The broken line showing of a display screen with graphical user interface is included for the purpose of showing portions of the article which form no part of the claim.-
公开(公告)号：US20230123523A1
公开(公告)日：2023-04-20
申请号：US18085036
申请日：2022-12-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：US11587079B2
公开(公告)日：2023-02-21
申请号：US17210794
申请日：2021-03-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Malathi Jivan , Kathleen Miranda Brand , Michael Donohue , Justin Riley duPont , Christina Ann Lillie , Jay Derek Prokupek , Yash Sharma
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.
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30.发明申请公开(公告)号：US20210158253A1
公开(公告)日：2021-05-27
申请号：US16690966
申请日：2019-11-21
Applicant: Bank of America Corporation
Inventor： Heather Roseann Dolan , Christina Lillie , Justin Riley duPont , Malathi Jivan , Poppy Marie Kimball
Abstract: A system provides a way to execute automatic and/or recurring resource transfers using predictive electronic data analysis. In particular, the system may continuously collect resource transfer data associated with a user. Based on the collected resource transfer data, the system may extract resource transfer patterns and subsequently generate a prediction of a resource transfer to occur in the future. In this regard, the system may use a scoring algorithm to calculate the degree of correlations between certain resource transfers. The system may then transmit one or more recommendations regarding the predicted resource transfer to the user. In this way, the system may provide an efficient way to execute resource transfers.
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