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    Automated debundling and categorization of purchases
    21.
    发明授权
    Automated debundling and categorization of purchases 有权

    公开(公告)号：US12125062B2

    公开(公告)日：2024-10-22

    申请号：US18073655

    申请日：2022-12-02

    Applicant: Bank of America Corporation

    Inventor： Eric Dryer ,  Pratap Dande ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Lalit Dhawan ,  Linda Haddad ,  Morgan Allen

    IPC: G06Q30/02 ,  G06Q30/0251

    CPC classification number: G06Q30/0255 ,  G06Q30/0257

    Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

    INTEROPERABILITY OF REAL-WORLD AND METAVERSE SYSTEMS
    24.
    发明公开
    INTEROPERABILITY OF REAL-WORLD AND METAVERSE SYSTEMS 审中-公开

    公开(公告)号：US20240004975A1

    公开(公告)日：2024-01-04

    申请号：US17853730

    申请日：2022-06-29

    Applicant: Bank of America Corporation

    Inventor： Vaughn Maurice Bivens ,  Manu J. Kurian ,  Lalit Dhawan

    IPC: G06F21/31

    CPC classification number: G06F21/316

    Abstract: A system includes a user device that can be used by a user to enter a virtual environment and at least one processor coupled to the user device. The processor is configured to record a plurality of real-world data interactions performed by the user and determine a real-world behavior of the user based on the recorded data interactions. The processor receives a request by the user to perform a data interaction in the virtual environment. The processor verifies whether the requested data interaction is in accordance with the recorded real-world behavior of the user. When the requested data interaction is not in accordance with the real-world behavior of the user, the processor verifies the data interaction in the real-world environment and allows the user to perform the data interaction in the virtual environment upon successful verification of the data interaction.

    SYSTEM FOR VALIDATED TRACKING OF EVENTS ASSOCIATED WITH EQUIPMENT DURING A RESOURCE ARRANGEMENT
    26.
    发明申请
    SYSTEM FOR VALIDATED TRACKING OF EVENTS ASSOCIATED WITH EQUIPMENT DURING A RESOURCE ARRANGEMENT 有权

    公开(公告)号：US20220284387A1

    公开(公告)日：2022-09-08

    申请号：US17827081

    申请日：2022-05-27

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Christine Meloro Hill ,  G. Alister Bazaz ,  Lalit Dhawan ,  Robert N. Gridley ,  Manu Jacob Kurian

    IPC: G06Q10/08 ,  G06F16/27

    Abstract: Validated tracking of events associated with equipment during the course of a resource arrangement. The events include location-changing events, which provide for a physical change in location of the equipment. The verified tracking of the events is provided by a distributed trust computing network, which through convergence by one or more decentralized nodes provides for authenticating/validating data stored within distributed registers/ledgers. Specific to the invention, once a location-changing event is determined/detected, the location-changing event is registered in the distributed trust computing network by creating and validating a data block within a distributed register/ledger that includes information pertaining to the location-changing event. In this regard, the existence of the data block within the distributed register/leger serves as a verified source of truth of the occurrence of the location-change event, which is capable of identifying the verified current location of the equipment at any point in time.

    SYSTEM FOR TRACKING RESOURCES WITH MULTIPLE USERS AND MULTIPLE LOCATIONS
    27.
    发明申请
    SYSTEM FOR TRACKING RESOURCES WITH MULTIPLE USERS AND MULTIPLE LOCATIONS 有权

    公开(公告)号：US20220108265A1

    公开(公告)日：2022-04-07

    申请号：US17551615

    申请日：2021-12-15

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Christine Meloro Hill ,  Manu Jacob Kurian ,  Lalit Dhawan ,  Robert N. Gridley ,  G. Alister Bazaz

    IPC: G06Q10/08 ,  G06F16/27

    Abstract: The present disclosure is directed to a novel system for using a distributed register to conduct, manage, and store resource tracking data. In particular, computing systems may be used to perform assessments on and track various diagnostic parameters for a fleet of resources within an enterprise environment and store the data records within the distributed register. Data may be received in a periodic manner, event-based manner, or a continuous manner from on-board diagnostic components of the resources. The system may further comprise one or more distributed register interjectors which may trigger the addition of updated data records for one or more resources in the distributed register. In this way, the system provides for a highly efficient way to track and analyze resource data and forecast value and condition of resources belonging to the entity.

    Dynamic engine for matching computing devices based on user profiles and machine learning
    29.
    发明授权
    Dynamic engine for matching computing devices based on user profiles and machine learning 有权

    公开(公告)号：US10985995B2

    公开(公告)日：2021-04-20

    申请号：US16202307

    申请日：2018-11-28

    Applicant: Bank of America Corporation

    Inventor： Lalit Dhawan ,  Manu Kurian

    IPC: H04L12/24 ,  G06F16/14 ,  H04L29/08 ,  G06N20/00

    Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, by the at least one processor, via the communication interface, and from a dynamic data management node, at least one organization computing system data file profile and a plurality of client computing device data file profiles. The computing platform may identify, based on the organization computing system data file profile(s), the client computing device data file profiles, and a machine learning dataset, a potential match between the organization computing system data file profile(s) and the client computing device data file profile(s). The computing platform may establish a connection with the client computing device(s) and, while the connection is established, transmit a notification which, when processed by the client computing device(s), causes the notification to be displayed on the client computing device(s).

    BLOCKCHAIN IMPLEMENTATION ACROSS MULTIPLE ORGANIZATIONS
    30.
    发明申请
    BLOCKCHAIN IMPLEMENTATION ACROSS MULTIPLE ORGANIZATIONS 审中-公开

    公开(公告)号：US20200167770A1

    公开(公告)日：2020-05-28

    申请号：US16202471

    申请日：2018-11-28

    Applicant: Bank of America Corporation

    Inventor： Manu Kurian ,  Lalit Dhawan

    IPC: G06Q20/38 ,  H04L9/06 ,  G06Q20/24

    Abstract: Methods and systems for management of blockchains across multiple organizations. A primary blockchain may comprise blocks corresponding to relationships between an entity and one or more organizations. A secondary blockchain may comprise blocks corresponding to relationships between the one or more organizations. The relationship between the entity and the one or more organizations may correspond to an action. Performance of the action may cause creation of a block in the primary blockchain. Based on the relationships between the one or more organizations as stored in blocks in the secondary blockchain, actions may be implemented, and/or blocks in blockchains corresponding to organizations may be created.

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