-
公开(公告)号：US20230188357A1
公开(公告)日：2023-06-15
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 , H04L63/0428 , H04L9/0838
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.
-
公开(公告)号：US11593494B2
公开(公告)日：2023-02-28
申请号：US16891933
申请日：2020-06-03
Applicant: Bank of America Corporation
Inventor： Mousumi Chatterjee , Shyam Acharya , James Alexander , David Smiddy , Devi Kumar
Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.
-
公开(公告)号：US11575684B2
公开(公告)日：2023-02-07
申请号：US17027961
申请日：2020-09-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： James Alexander , Beth Jean Adamson , Katharina Marie Mumford , Elizabeth Anne Price , Zeal J. Shah , David Smiddy
IPC: H04L9/40
Abstract: A system is provided for processing resource transfers using networked computing systems with extended functionality. In particular, the system may comprise a first resource transfer device which may provide the staging for a resource transfer process initiated by a user. The first resource transfer device may then trigger a second resource transfer device to execute the steps of the resource transfer process, where the process may comprise communicating with one or more backend servers via a middleware component. Accordingly, the system may provide an expedient way to conduct resource transfers within an entity's network.
-
公开(公告)号：US20220335415A1
公开(公告)日：2022-10-20
申请号：US17232499
申请日：2021-04-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Harold Joseph Kennedy , Tony England , David Smiddy
Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument. The present invention may be configured to receive signals from a user device comprising information identifying the token, determine, based on receiving the signals, whether the token is mapped to the second resource distribution instrument, and initiate, based on determining that the token is mapped to the second resource distribution instrument, an interaction associated with the second resource distribution instrument.
-
公开(公告)号：US20220180338A1
公开(公告)日：2022-06-09
申请号：US17317714
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.
-
Patent Agency Ranking
公开(公告)号：US12112328B1
公开(公告)日：2024-10-08
申请号：US18534441
申请日：2023-12-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Carl Parziale , David Smiddy , Harold Joseph Kennedy
CPC classification number: G06Q20/40145 , G06Q20/206 , G06Q2220/165
Abstract: Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.
-
公开(公告)号：US11902444B2
公开(公告)日：2024-02-13
申请号：US17503915
申请日：2021-10-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , David Smiddy , Harold Joseph Kennedy
CPC classification number: H04L9/3213 , G06F9/5027
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.
-
公开(公告)号：US11893150B2
公开(公告)日：2024-02-06
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 , G06Q20/401 , G06F1/163
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.
-
公开(公告)号：US11785018B2
公开(公告)日：2023-10-10
申请号：US17388737
申请日：2021-07-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Harold Joseph Kennedy , Lomney Ann Bryan , David Smiddy , Matthew Edward Taylor
CPC classification number: H04L63/108 , G06F8/65 , G06F21/33 , G06F21/572 , H04L63/0823 , G06F2221/2115 , G06F2221/2137
Abstract: Systems, computer program products, and methods are described herein for securely managing device communication. The present invention may be configured to provide, to another system, staging information including a digital certificate, a PIN, and a protocol for storing on a device, receive from the device a request to connect to an internal network after user input of the PIN, receive a digital certificate from the device, establish a wireless connection between the device and the internal network, and cause the device to delete the PIN. In some embodiments, the system is configured to permit communication from the device to the other system for a predetermined time window. In some embodiments, the system receives updates from the other system, via an external network, and the system sends the updates to the device, via the internal network.
-
公开(公告)号：US20230308427A1
公开(公告)日：2023-09-28
申请号：US17706329
申请日：2022-03-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Martha Sain McClellan , Yash Sharma , David Smiddy
IPC: H04L9/40
CPC classification number: H04L63/08
Abstract: A network of nodes for a distributed register, in which the nodes include interaction terminals (e.g., ATMs, recyclers, point-of-sale devices, or the like). The interaction terminals allow a user to enter into an interaction that includes transferring resources through the use of the distributed register. The interaction terminals may be utilized in order to authenticate the user using traditional authentication processes or through the use of the distributed register. The interaction terminals may determine if the interaction is for a traditional interaction or if the interaction is being used for an interaction on the distributed ledger. Since the interaction terminals are operated by the organizations, they can be registered as trusted authorities on the distributed register, and as such, the blocks created for interactions by the interactional terminals may be validated without the need for consensus algorithms, or with reduced consensus requirements.
-
-
-
-
-
-
-
-
-
Search Results
50
records
(took 0.019 seconds)
