公开(公告)号：US20240187382A1

公开(公告)日：2024-06-06

申请号：US18439709

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: The present invention receives from a first user input device a resource transfer request via a first communication channel; determines that the first communication channel does not meet channel requirements for secure communication; determines whether other the communication channels associated with other input devices meet the channel requirements; determines user input devices whose communication channels does not meet the channel requirements; determines alternate communication channels for the user input devices whose communication channels does not meet the channel requirements using the user input devices whose communication channels meets the channel requirements; determines a second communication channel associated with a second user input device meeting the channel requirements; triggers the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device; and executes the resource transfer request.

公开(公告)号：US11949573B2

公开(公告)日：2024-04-02

申请号：US17553446

申请日：2021-12-16

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04L43/067 ,  H04L43/00 ,  H04L43/0829 ,  H04L43/50 ,  H04W24/10

CPC classification number: H04L43/067 ,  H04L43/0829 ,  H04L43/14 ,  H04L43/50 ,  H04W24/10

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

公开(公告)号：US11902179B2

公开(公告)日：2024-02-13

申请号：US18114930

申请日：2023-02-27

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

CPC classification number: H04L47/808 ,  H04L12/14 ,  H04L41/5006 ,  H04L41/5096

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：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

IPC: G06Q20/00 ,  G06Q20/36 ,  G06Q20/10 ,  G06Q20/38

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.

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

IPC: H04L9/32 ,  H04L9/08

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.

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

IPC: H04W72/04 ,  H04W72/06 ,  H04W12/08

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.

公开(公告)号：US12244892B2

公开(公告)日：2025-03-04

申请号：US18096761

申请日：2023-01-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Hope Barus ,  Oscar Guzman ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts

IPC: H04N21/442 ,  G06F16/951 ,  H04N21/2389

Abstract: Embodiments of the present invention provide a system for analyzing using artificial intelligence engines depicted in audio visual content. The system is configured for determining that a user has accessed a first audio visual content on an audio visual content providing platform, performing a frame-by-frame analysis to determine one or more resources depicted in the first audio visual content, identifying one or more third party systems associated with the one or more resources, crawling the one or more third party systems associated with the one or more resources, extracting resource information associated with the one or more resources from the one or more third party systems based on crawling the one or more third party systems, and embedding the resource information associated with the one or more resources in the first audio visual content.

公开(公告)号：US12231462B2

公开(公告)日：2025-02-18

申请号：US17812666

申请日：2022-07-14

Applicant: Bank of America Corporation

Inventor： Naoll Addisu Merdassa

IPC: H04L9/40

Abstract: A system includes a memory associated with a first virtual environment that stores digital assets associated with a user. The memory is coupled to a processor that is configured to receive a user credential associated with the user and authorize the user to access the first virtual environment. The processor receives a request from the user to enter a second virtual environment accessible through the first virtual environment and generates a virtual pass for a first avatar of the user to enter the second virtual environment. The processor receives a request to perform in the second environment a data interaction associated with a digital asset and provides the first avatar access from the second environment to the digital asset. The processor receives an indication that the data interaction is completed and updates the digital asset in the memory to reflect the data interaction.

公开(公告)号：US20250039168A1

公开(公告)日：2025-01-30

申请号：US18911118

申请日：2024-10-09

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04L9/40 ,  G06F16/23 ,  G06Q40/02 ,  G06Q40/06

Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.

公开(公告)号：US12126606B2

公开(公告)日：2024-10-22

申请号：US17813070

申请日：2022-07-18

Applicant: Bank of America Corporation

Inventor： Brandon Devon Ingram ,  Joseph Castinado ,  Naoll Addisu Merdassa

IPC: H04L9/40

CPC classification number: H04L63/08

Abstract: A system includes a memory and a processor coupled to the memory. The processor is configured to receive a first user credential associated with a user and authorize an avatar of the user to enter a virtual environment. The processor receives a second user credential associated with the user and authorizes the first avatar to access a virtual entity in the virtual environment. The processor receives a request from the user to authenticate the virtual entity and, in response, retrieves user data associated with the user and presents it to the user in the virtual environment. The processor receives an indication from the user that the virtual entity is authentic. The processor then receives a request from the user to perform a virtual data interaction with the virtual entity and initiates the requested data interaction.