公开(公告)号：US20170243025A1

公开(公告)日：2017-08-24

申请号：US15049852

申请日：2016-02-22

Applicant: Bank of America Corporation

Inventor： Manu Jacob Kurian ,  Darrell Johnsrud

IPC: G06F21/62 ,  G06Q40/00 ,  H04L29/06

CPC classification number: G06F21/6245 ,  G06Q40/00 ,  H04L9/3236 ,  H04L63/102 ,  H04L2209/38 ,  H04L2209/56 ,  H04L2463/102

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating the status of distributed portions of a finite resource and the obligations of users to return portions of the finite resource. In example implementations, the block chain database comprises a distributed ledger that is updated to reflect the status and availability of particular portions of the finite resource, including the fractional return of resource portions by users to whom such portion had previously been assigned. Example implementations also implement the use of queries to the block chain to validate requests for access to particular portions of a finite resource, determine the availability of the portion and verify the satisfaction of resource-return obligations incurred by users.

公开(公告)号：US20170214675A1

公开(公告)日：2017-07-27

申请号：US15050084

申请日：2016-02-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Darrell Johnsrud ,  Manu Jacob Kurian ,  Michael Wuehler

IPC: H04L29/06

CPC classification number: H04L63/08 ,  H04L9/0891 ,  H04L9/3236 ,  H04L9/3242 ,  H04L2209/38 ,  H04L2209/56

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for tracking and validating a user identification morphing over time. The block chain database comprises a distributed ledger that is updated with real-time identification information including an initial identification of the user. Subsequent identifications are stored and changes or morphs in identification, such as signatures, physical attributes, or locations of the user are identified. User facts are correlated with the identifications to build a timeline for the user. Subsequently, the system generates authentication questions based off of the timeline generated. The authentication questions allow for authentication of a user into a third party system.

公开(公告)号：US20170032341A1

公开(公告)日：2017-02-02

申请号：US14814944

申请日：2015-07-31

Applicant: Bank of America Corporation

Inventor： Darrell Johnsrud

IPC: G06Q20/10 ,  G06Q20/40 ,  B65D55/06 ,  G06Q10/08

CPC classification number: G06Q20/108 ,  B65D55/06 ,  G06Q10/0833 ,  G06Q20/4014

Abstract: Systems, methods, apparatuses, and computer-readable media for transferring funds from a first entity, such as a business, to a second entity, such as a financial institution are provided. The funds may be counted and loaded into a deposit container that may be tracked. An amount of funds loaded into the container may be transmitted to the second entity as an expected amount of funds being transferred. The deposit container may then be transferred to the second entity where the funds may be removed from the deposit container. The funds may be counted by the second entity and an amount of funds removed from the deposit container may be determined. A comparison may be made between the expected amount of funds and the received amount of funds and, if the amounts match, the deposit transaction may be completed. If the funds do not match, the deposit transaction may include further processing.

Abstract translation: 提供了用于将资金从诸如业务的第一实体转移到诸如金融机构的第二实体的系统，方法，装置和计算机可读介质。 资金可能会被计入加载到可能被跟踪的存款容器中。 装载到集装箱中的资金量可以作为预期的资金转​​移到第二实体。 然后可以将存款容器转移到可从存款容器中移出资金的第二实体。 资金可以由第二实体计算，并且可以确定从存款容器中移除的资金量。 可以在预期的资金量和收到的资金量之间进行比较，如果金额匹配，可以完成存款交易。 如果资金不匹配，存款交易可能包括进一步处理。