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公开(公告)号：US20230119691A1
公开(公告)日：2023-04-20
申请号：US17503915
申请日：2021-10-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , David Smiddy , Harold Joseph Kennedy
Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.
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公开(公告)号：US20230052713A1
公开(公告)日：2023-02-16
申请号：US17398401
申请日：2021-08-10
Applicant: BANK OF AMERICA CORPORATION
Inventor： Carl Parziale , James Alexander , Elizabeth Anne Price , David Smiddy
Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine, such as an automated teller machine (ATM). In particular, the system may assign exclusive control over an automated device to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions. In some embodiments, the system may invoke one or more auxiliary devices on the same network to complete the interaction.
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公开(公告)号：US20220180363A1
公开(公告)日：2022-06-09
申请号：US17317796
申请日：2021-05-11
Applicant: Bank of America Corporation
Inventor： Paul Martin Mattison, SR. , Matthew E. Williams , Carl Parziale , Pavan Singaraju , Anne Price , David Smiddy , Brandon Kozlowski , Jennifer Raley
Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.
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公开(公告)号：US11334893B1
公开(公告)日：2022-05-17
申请号：US17317796
申请日：2021-05-11
Applicant: Bank of America Corporation
Inventor： Paul Martin Mattison, Sr. , Matthew E. Williams , Carl Parziale , Pavan Singaraju , Anne Price , David Smiddy , Brandon Kozlowski , Jennifer Raley
Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.
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公开(公告)号：US20240427856A1
公开(公告)日：2024-12-26
申请号：US18212859
申请日：2023-06-22
Applicant: Bank of America Corporation
Inventor： Vijaya L. Vemireddy , Mark Odiorne , David Smiddy
IPC: G06F21/30
Abstract: A computing platform may train a synthetic identity detection model to detect synthetic identity information. The computing platform may receive identity information corresponding to an identity generation request. The computing platform may input, into the synthetic identity detection model, the identity information, which may cause the synthetic identity detection model to: identify at least one collision between the received identity information and stored identity information, and generate, based on the at least one collision, a synthetic identity score indicating a likelihood that the received identity information corresponds to a request to generate a synthetic identity. The computing platform may compare the synthetic identity score to at least one synthetic identity detection threshold. Based on identifying that the synthetic identity score meets or exceeds the at least one synthetic identity detection threshold, the computing platform may execute one or more security actions.
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Patent Agency Ranking
公开(公告)号：US12107967B2
公开(公告)日：2024-10-01
申请号：US17546269
申请日：2021-12-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , David Smiddy
CPC classification number: H04L9/3247 , H04L9/0838 , H04L63/0428
Abstract: A system is provided for authenticating peer-to-peer resource exchanges using non-fungible tokens. In particular, the system may store, on a distributed register, a secure token (e.g., a non-fungible token) associated with a particular resource. Subsequently, a user who may be the owner of such resource and/or the associated token may wish to execute a peer-to-peer exchange of the resource for a second resource. The system may, in response to receiving the second resource from a second user, initiate a process to transfer ownership of the secure token to the second user. In this way, the system provides an efficient and secure way to conduct peer-to-peer resource exchanges.
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公开(公告)号：US20240242557A1
公开(公告)日：2024-07-18
申请号：US18619412
申请日：2024-03-28
Applicant: Bank of America Corporation
Inventor： Paul Martin Mattison, SR. , Matthew E. Williams , Carl Parziale , Pavan Singaraju , Anne Price , David Smiddy , Brandon Kozlowski , Jennifer Raley
IPC: G07D11/34 , G06N20/00 , G06Q20/10 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G07D7/00 , G07D11/23 , G07D11/245 , G07D11/32 , G07D11/36 , G07D11/60 , G07F19/00
CPC classification number: G07D11/34 , G06N20/00 , G06Q20/102 , G06Q20/1085 , G06Q20/206 , G06Q20/3223 , G06Q20/3276 , G06Q20/4014 , G07D7/00 , G07D11/23 , G07D11/245 , G07D11/32 , G07D11/36 , G07D11/60 , G07F19/203
Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.
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公开(公告)号：US20240036834A1
公开(公告)日：2024-02-01
申请号：US17878658
申请日：2022-08-01
Applicant: Bank of America Corporation
Inventor： Sreelatha Sankararaman , James Alexander , David Smiddy , Himanshu Goyal , Roy Charlton, III
IPC: G06F8/36 , H04L67/133
CPC classification number: G06F8/36 , H04L67/133
Abstract: Various aspects of the disclosure relate to a unified framework application programming interface (API) to facilitate communicate between applications developed using different technology stacks. The unified framework API integrates communication functionality for each different technology stacks into unified publication and subscription API functions such that each application calls the unified framework API functions to publish information or to subscribe to receive published information. Each application publishes data using its native communication protocol and receives data in its native format, where the unified framework API performs an automatic translation of the information as needed.
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29.发明公开公开(公告)号：US20230418365A1
公开(公告)日：2023-12-28
申请号：US17851386
申请日：2022-06-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： James Alexander , Harold Joseph Kennedy , Stephen Thomas Shannon , David Smiddy
CPC classification number: G06F3/011 , G06F1/163 , G06Q20/401
Abstract: With the advent of augmented reality devices becoming increasingly prevalent, accessible, and cross-compatible, there is an opportunity to leverage the capabilities of such devices in order to streamline user interactions related to complex resource activities which require elevated security and typically are only conducted on an in-person basis. The present invention provides systems and methods for securely verifying a user during an augmented reality device session for the purposes of conducting complex resource activities.
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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
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.
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