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公开(公告)号：US20200226599A1
公开(公告)日：2020-07-16
申请号：US16783607
申请日：2020-02-06
Applicant: Bank of America Corporation
Inventor： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
Abstract: A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.
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公开(公告)号：US10275772B2
公开(公告)日：2019-04-30
申请号：US14305916
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
Abstract: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.
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公开(公告)号：US10212157B2
公开(公告)日：2019-02-19
申请号：US15353005
申请日：2016-11-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Heather Dolan , Manu J. Kurian , Graham M. Wyllie
Abstract: An augmented reality system that includes an augmented reality user device for a first person including a head-mounted display configured to overlay virtual objects onto tangible objects in real-time, a memory, a camera, and one or more processors. The augmented reality user device is configured to perform facial recognition on the captured image to identify a face of the second person, to identify an entry for the second person, and to initiate a peer-to-peer transfer when the entry for the second person has been identified. The augmented reality user device is further configured to authenticate the identify of the second person, to generate a transfer token for facilitating the peer-to-peer transfer, and to send the transfer token to a first institution associated with the first person to initiate the peer-to-peer transfer. A network device of the first institution is configured to receive the transfer token and facilitate the peer-to-peer transfer.
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公开(公告)号：US20180157820A1
公开(公告)日：2018-06-07
申请号：US15367590
申请日：2016-12-02
Applicant: Bank of America Corporation
Inventor： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
CPC classification number: G06F21/36 , G06F3/011 , G06F3/017 , G06F21/6218 , G06K9/00671 , G06K9/00892 , G06T11/60
Abstract: A system for performing authorization of a user in a virtual reality environment includes a virtual reality user device. The virtual reality user device includes a display configured to display a virtual environment. The user device receives a virtual authentication object comprising a virtual representation of an object that the user can manipulate to enter an authentication code. The user device detects gestures performed by the user on the displayed virtual authentication object and forms an authentication request, which includes the virtual authentication object, the detected gestures; and an identifier of the user. The user device sends the authentication request to an authentication server. The authentication server determines an authentication code using the virtual authentication object and the detected gestures. The authentication server authenticates the user by comparing the determined authentication code with an authentication code stored in a database and sends an authentication response to the user device.
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公开(公告)号：US09836790B2
公开(公告)日：2017-12-05
申请号：US14305797
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC: G06Q40/04
CPC classification number: G06Q40/04
Abstract: A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.
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Patent Agency Ranking
公开(公告)号：US20150363876A1
公开(公告)日：2015-12-17
申请号：US14305797
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC: G06Q40/04
CPC classification number: G06Q40/04
Abstract: A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.
Abstract translation: 系统包括可操作以存储客户账户，第一浮动账户和第二浮动账户的存储器。 系统还包括通信地耦合到存储器的处理器。 处理器可以接收货币兑换的电子请求，并确定用于交换第二货币的第一货币的汇率。 处理器还可以确定最佳的汇率。 响应于确定最佳汇率，处理器可以确定第一货币的第一数量并将第一金额与客户账户相关联。 处理器还可以将第一货币的第一数量转移到第一浮动账户中并确定第二货币的第二数量。 处理器还能够将第二数量与第二浮动账户相关联，并将第二货币的第二数量转移给客户。
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公开(公告)号：US20150363770A1
公开(公告)日：2015-12-17
申请号：US14305893
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin
CPC classification number: G06Q20/382 , G06Q20/10 , G06Q20/3672 , G06Q2220/00
Abstract: A system comprises a memory operable to store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able encode cryptocurrency information associated with the customer account onto a payment instrument. The processor is also able to receive a request for a cryptocurrency transaction from the customer using the payment instrument. In response to receiving the request, the processor is able to determine cryptocurrency information associated with the customer account and determine cryptocurrency information associated with a recipient. The processor is further able to associate the first amount of cryptocurrency with the customer account and initiate a transfer of the first amount of cryptocurrency to an account associated with the recipient.
Abstract translation: 系统包括可操作地存储与客户相关联的客户帐户的存储器和通信地耦合到存储器的处理器。 处理器能够将与客户帐户相关联的加密资讯信息编码到付款工具上。 该处理器还能够使用支付工具从客户端接收到一个隐式货币交易的请求。 响应于接收到请求，处理器能够确定与客户帐户相关联的密码学信息，并确定与接收者相关联的密码学信息。 处理器还能够将第一数量的密码学与客户帐户相关联并且发起第一数量的密码学的转移到与接收者相关联的帐户。
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公开(公告)号：US12299655B2
公开(公告)日：2025-05-13
申请号：US17885610
申请日：2022-08-11
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Siten Sanghvi , Heather Dolan , George Albero , Maharaj Mukherjee , Kevin A. Delson
Abstract: A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.
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公开(公告)号：US20240386419A1
公开(公告)日：2024-11-21
申请号：US18199467
申请日：2023-05-19
Applicant: Bank of America Corporation
Inventor： Heather Dolan
Abstract: Systems and methods for transferring currency in the metaverse. Methods may include a payment API of a financial institution operating in the metaverse receiving a request to transfer fiat currency between two parties in the metaverse, where the receiving party may be unbanked. Methods may include the payment API receiving the fiat currency from the transmitting party and funding a virtual account with the received fiat currency, where the virtual account may be associated with the financial institution. Methods may include the payment API recording the funding of the virtual account in a ledger of the financial institution. Methods may include the payment API providing a QR code to the receiving party for the latter to access the virtual account. Methods may include the receiving party leaving the metaverse and presenting the QR code to a commercial establishment to obtain value for the fiat currency funded to the virtual account.
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公开(公告)号：US20240275770A1
公开(公告)日：2024-08-15
申请号：US18169370
申请日：2023-02-15
Applicant: Bank of America Corporation
Inventor： Jatin Agrawal , Heather Dolan , Adithya Gadwale , Catalina Enciso , Akeem Perez
IPC: H04L9/40
CPC classification number: H04L63/08
Abstract: A system for transitioning an interaction session initiated within a metaverse to a real-world environment to complete the interaction session comprises a metaverse server in communication with an entity server. The metaverse server receives an interaction request from an avatar to initiate an interaction session with an entity within a virtual environment. The metaverse server generates an instruction token for a user instruction and a session identifier for the interaction session. The metaverse server obtains a user identity token from the entity and authorizes the avatar to interact with the entity. The metaverse server conducts the first interaction between the avatar and the entity and generates a first interaction token for the first interaction. The entity server validates the user identity token and the first interaction token from the user device in the real-world environment. The entity server conducts a second interaction with the user to complete the interaction session.
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