公开(公告)号：US12260413B2

公开(公告)日：2025-03-25

申请号：US17674329

申请日：2022-02-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Paul Martin Mattison ,  Martha Sain McClellan ,  Yash Sharma

IPC: G06Q20/40 ,  G06Q20/38

Abstract: Systems, computer program products, and methods are described herein for expedited data transfer utilizing a secondary data log. The present invention may be configured to analyze a primary data log and determine a user having a high volume of data transactions within a defined timeframe. The present invention may be further configured to maintain a secondary data log for a predetermined time period and, upon conclusion of the predetermined time period, sum the data transactions from the secondary data log and record the sum on the primary data log. The present invention may be further configured to determine a pre-authorized credit for the user to be recorded on the secondary data log during the predetermined time period.

公开(公告)号：US20240236114A1

公开(公告)日：2024-07-11

申请号：US18093557

申请日：2023-01-05

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Paul Martin Mattison

IPC: H04L9/40

CPC classification number: H04L63/123 ,  H04L63/083 ,  H04L63/107 ,  H04L63/108

Abstract: Systems, computer program products, and methods are described herein for verifying a resource distribution device from a plurality via scanning dynamic device-specific computer-readable indicia. The method includes receiving an executed action request specific to the resource distribution device. The executed action request may comprise a unique identifier associated with the resource distribution device. The method further includes verifying the resource distribution device based on at least the unique identifier. Verification may be further comprised of identifying a match between the unique identifier and one or more identifiers stored in a database. The one or more identifiers stored in the database may be associated with one or more resource distribution devices. The method further includes triggering the resource distribution device to execute the executed action request in response to verification of the resource distribution device.

公开(公告)号：US20230259394A1

公开(公告)日：2023-08-17

申请号：US17584782

申请日：2022-01-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Paul Martin Mattison ,  Charles Hector Gruesbeck, II ,  Martha Sain McClellan ,  David Smiddy ,  Ann Ta

IPC: G06F9/50 ,  G06F9/54

CPC classification number: G06F9/5005 ,  G06F9/542

Abstract: Capabilities for resource event processing are increased at resource event processing apparatus through use of a peer-to-peer resource event processing network. The resource event processing apparatus receives an alias associated with a user of the peer-to-peer resource event processing network. In response, the resource event processing apparatus communicates a peer-to-peer resource event request to the peer-to-peer resource event network. In response to the peer-to-peer resource event network receiving and processing the request, the user’s mobile communication device receives peer-to-peer resource event acceptance request and, in response to the user providing an input to accept the peer-to-peer resource event, the mobile communication device communicates a peer-to-peer resource event confirmation to the peer-to-peer resource event network.

公开(公告)号：US20230186306A1

公开(公告)日：2023-06-15

申请号：US17550277

申请日：2021-12-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Paul Martin Mattison ,  Matthew Edward Williams

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q20/06 ,  G06Q20/32

CPC classification number: G06Q20/4014 ,  G06Q20/3829 ,  G06Q20/363 ,  G06Q20/065 ,  G06Q20/3276

Abstract: Systems, computer program products, and methods are described herein for authenticating access to a network using electronic identification credentials. The present invention is configured to receive a request from a user to access resources via a first communication channel; determine that an authorization level of the user does not meet one or more requirements associated with accessing the resource via the first communication channel; determine, using the network authorization engine, one or more user identification elements required for the user to access the resource; display a notification to the user, wherein the notification comprises at least a request for the one or more identification elements; receive, from the user input device, the one or more identification credentials corresponding to the one or more identification elements; verify, using the network authorization engine, the one or more identification credentials; and authorize the user to access the resource via the first communication channel.

公开(公告)号：US20210092237A1

公开(公告)日：2021-03-25

申请号：US16577145

申请日：2019-09-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Paul Martin Mattison ,  Matthew Edward Williams

IPC: H04N1/00 ,  G07F19/00

Abstract: A system for selective document scanning and storage is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: receive a document via a user device comprising an image capturing device configured to capture an image of the document; determine an error with the document; in response to determining the error with the document, trigger transmission of a signal to the image capture device; and modify a document image capture based on receiving the signal at the image capture device.

公开(公告)号：US20180204194A1

公开(公告)日：2018-07-19

申请号：US15919487

申请日：2018-03-13

Applicant: Bank of America Corporation

Inventor： Amy Baker Folk ,  William Thomas Sanders ,  Daniel Christopher Bohen ,  Paul Martin Mattison ,  Shane Anthony Johnson ,  Sandra Ruth Maas ,  Kristen Ellen Asplund ,  Edward Christopher Mackey ,  Shelaine Marie Monkiewicz

IPC: G06Q20/10 ,  G07F19/00

CPC classification number: G06Q20/10 ,  G07F19/20 ,  G07F19/202 ,  G07F19/203

Abstract: After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.

公开(公告)号：US20240419789A1

公开(公告)日：2024-12-19

申请号：US18210312

申请日：2023-06-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Saurabh Garg ,  Abhijit Behera ,  Paul Martin Mattison ,  Maneesh Sethia

IPC: G06F21/55

Abstract: Artificial intelligence, in the form of machine-learning models, are implemented to dynamically detect when an online or mobile app application is being filled-out/submitted by an autonomous software program/bot (e.g., an invalid application submission), as opposed to a human (i.e., a valid application submission). Telemetry data is captured from the mobile application or web/online application that is indicative as to whether the application forms are being filled-out by a human or an autonomous software program. The telemetry data is applied to machine learning models to determine if the telemetry data results in a recognized pattern that indicates autonomous software program data entry or, conversely, human data entry. In the event that an application submission is determined to be filled-out by an autonomous software program/bot, subsequent submission and/or further processing of the application is denied.

公开(公告)号：US12014096B1

公开(公告)日：2024-06-18

申请号：US18467216

申请日：2023-09-14

Applicant: Bank of America Corporation

Inventor： Timothy Scott Murphy ,  Paul Martin Mattison

IPC: G06F3/12

CPC classification number: G06F3/1238 ,  G06F3/1222 ,  G06F3/1288

Abstract: A system for remote authentication accesses a scanned copy of a first document, images, and signatures associated with a requesting user, converts the scanned copy to a digital document, determines a subject matter associated with the first document based on an analysis of the digital document by natural language processing and machine-learning models, selects a first authenticator from multiple authenticators based on the subject matter, a timestamp of the authentication session, and an authenticator profile of the first authenticator, establishes a video communication session between the first authenticator and the requesting user via a display screen via networks, and instructs a printer to generate a physical copy of an authenticated first document including a first authentication certificate of the first authenticator upon determining the first document is authenticated by the first authenticator.

公开(公告)号：US11789776B2

公开(公告)日：2023-10-17

申请号：US17352980

申请日：2021-06-21

Applicant: BANK OF AMERICA CORPORATION

Inventor： Matthew Edward Williams ,  Nicholas Ralph Jope ,  Paul Martin Mattison

IPC: G06Q20/10 ,  G06F9/50 ,  G06K7/14

CPC classification number: G06F9/5005 ,  G06K7/1404 ,  G06Q20/1085

Abstract: Embodiments of the present invention provide a system for minimizing computational processing for converting user resources to resources supported by third party entities. In particular, the system may be configured to determine that a user has scanned a code projected on an entity device via a third party application present on a user device of the user, wherein the entity device is associated with an entity, establish a first connection with the entity device, establish a second connection between the user device and the entity device based on determining that the user has scanned the code, determine that the user has inserted user resources into the entity device, via the first connection, convert the user resources to resources supported by a third party entity, and display in real-time, information associated with the resources on the third party application.

公开(公告)号：US11783307B2

公开(公告)日：2023-10-10

申请号：US17874641

申请日：2022-07-27

Applicant: Bank of America Corporation

Inventor： Amy Baker Folk ,  William Thomas Sanders ,  Daniel Christopher Bohen ,  Paul Martin Mattison ,  Shane Anthony Johnson ,  Sandra Ruth Maas ,  Kristen Ellen Asplund ,  Edward Christopher Mackey ,  Shelaine Marie Monkiewicz

IPC: G06Q20/10 ,  G07F19/00

CPC classification number: G06Q20/10 ,  G07F19/20 ,  G07F19/202 ,  G07F19/203

Abstract: After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.