公开(公告)号：US20240215028A1

公开(公告)日：2024-06-27

申请号：US18600735

申请日：2024-03-10

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: H04W72/20 ,  H04W12/08 ,  H04W72/51 ,  H04W72/563

CPC classification number: H04W72/20 ,  H04W12/08 ,  H04W72/51 ,  H04W72/563

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：US11966779B2

公开(公告)日：2024-04-23

申请号：US17372721

申请日：2021-07-12

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06F21/60 ,  G06F9/451 ,  G06F9/50 ,  G06F21/64

CPC classification number: G06F9/5005 ,  G06F9/451 ,  G06F21/602

Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.

公开(公告)号：US11956218B2

公开(公告)日：2024-04-09

申请号：US17553946

申请日：2021-12-17

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: G06F21/00 ,  H04L9/40 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/32

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

公开(公告)号：US11949715B2

公开(公告)日：2024-04-02

申请号：US17553921

申请日：2021-12-17

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 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22

CPC classification number: H04L63/18 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/166 ,  H04L63/20

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20240028675A1

公开(公告)日：2024-01-25

申请号：US17814573

申请日：2022-07-25

Applicant: Bank of America Corporation

Inventor： Naoll Addisu Merdassa ,  Sachin Lad

IPC: G06F21/31 ,  G06T11/00

CPC classification number: G06F21/31 ,  G06T11/00

Abstract: A system includes a memory associated with a first virtual environment that stores an avatar configuration for each of a plurality of secondary virtual environments. The memory is coupled to a processor that is configured to receive a user credential associated with a 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. The processor selects, from the memory, a first avatar configuration associated with the second virtual environment and generates a first avatar for the user based on the first avatar configuration. The processor generates a virtual pass for the first avatar of the user to enter the second virtual environment through the first virtual environment.

公开(公告)号：US20230379163A1

公开(公告)日：2023-11-23

申请号：US18229687

申请日：2023-08-03

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04L9/32 ,  H04L9/14

CPC classification number: H04L9/3213 ,  H04L9/14 ,  H04L9/3231

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

公开(公告)号：US20230019921A1

公开(公告)日：2023-01-19

申请号：US17375617

申请日：2021-07-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06F9/50 ,  G06F9/451

Abstract: Embodiments of the present invention provide a system for facilitating creation, verification, and management of digital resources. The system is configured for receiving a digital content for upload to a distributed register from a user, via a user interface, receiving one or more instructions associated with distribution of the digital content from the user, via the user interface, creating one or more digital resources from the digital content via the user interface based on the one or more instructions received from the user, and storing the one or more digital resources on the distributed register.

公开(公告)号：US12093357B2

公开(公告)日：2024-09-17

申请号：US17388592

申请日：2021-07-29

Applicant: BANK OF AMERICA CORPORATION

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

IPC: G06F21/31 ,  G06F21/00 ,  G06F21/45 ,  G06F21/57

CPC classification number: G06F21/316 ,  G06F21/45 ,  G06F21/577

Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.

公开(公告)号：US20240244302A1

公开(公告)日：2024-07-18

申请号：US18097984

申请日：2023-01-17

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04N21/84 ,  H04N21/431 ,  H04N21/8547

CPC classification number: H04N21/84 ,  H04N21/4316 ,  H04N21/8547

Abstract: Embodiments of the present invention provide a system for embedding extractable metadata elements within a channel-agnostic layer of audio-visual content. The system is configured for receiving a content file, determining products displayed in the content file, and delivering resource metadata related to the products displayed in the content file in an interactive and secure manner. The invention may further include various ways in which to automatically display resource metadata in an intuitive manner in conjunction with streaming the content file to a user device via one or more platforms or channels.

公开(公告)号：US20240171612A1

公开(公告)日：2024-05-23

申请号：US18429681

申请日：2024-02-01

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 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22

CPC classification number: H04L63/18 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/166 ,  H04L63/20

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.