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公开(公告)号：US10284496B2
公开(公告)日：2019-05-07
申请号：US15449334
申请日：2017-03-03
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado , William August Stahlhut
IPC: H04L12/911
Abstract: A system for providing resource distribution channels based on predicting future resource distributions typically includes a classical computer apparatus and a quantum optimizer in communication with the classical computer apparatus. The classical computer apparatus identifies resource transfer information related to a resource transfer of a user, wherein the user receives a resource collection as a result of the resource transfer. The quantum optimizer analyzes the resource transfer information to predict a future resource distribution of the resource collection. The classical computer apparatus then compares attributes of the future resource distribution to attributes of multiple resource distribution channels, identifies a resource distribution channel having attributes corresponding to the attributes of the future resource distribution, and transmits a command configured to cause a client application stored on a device of the user to display an interface having a selectable option for transferring the resource collection using the resource distribution channel.
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公开(公告)号：US10178105B2
公开(公告)日：2019-01-08
申请号：US15050358
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
Abstract: Embodiments enable a system to determine, authorize, and adjust access, writing, retrieval, and validation rights of users and entities associated with one or more distributed block chain networks. The system is capable of receiving an authorization request from a user to conduct an action associated with the block chain distributed network, determine a security level associated with the user, and either authorize or screen the user from conducting the action based on the determined security level. The system may adjust the security level of the user by requesting and receiving additional authorization credentials from the user. Furthermore, the system may adjust the security level of one or more users based on security or functionality needs of the block chain distributed network.
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公开(公告)号：US10158614B2
公开(公告)日：2018-12-18
申请号：US15165433
申请日：2016-05-26
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado , Kathryn Elizabeth Guthrie , Tracey Mochnal , Kimberly Craig Turner
Abstract: Aspects of the present disclosure are directed to electronic data transfer methods and systems for multiple recipient destination processing. A plurality of computer readable memory locations in a computer readable database associated with a first entity computer system is maintained. Electronically, via a computer-based data communications network, an instruction is received for electronic data transfer EDI data payload including a stored value data attribute, and data transfer request attribute, and a first recipient destination and a second recipient destination; wherein the first recipient destination and the second recipient destination are associated with different recipient virtual memory locations. Responsive to the data transfer request attribute request being extracted, EDI data payload associated with the stored value data attribute to the first recipient destination and the second recipient destination is transmitted.
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公开(公告)号：US20180308073A1
公开(公告)日：2018-10-25
申请号：US15492390
申请日：2017-04-20
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado , Victoria L. Dravneek
CPC classification number: G06Q20/10 , G06F9/5011 , G06Q50/188
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for resource deficiency triggered dynamic resource transfer. The invention first receives a resource transfer request from a user for a transfer of resources. Upon determining that the resources associated with the requesting user are insufficient to cover the transfer of resources, the system constructs a resource transfer program to arrange for the completion of the resource transfer request by either immediately transferring a comprehensive amount of the requested resource from another source with sufficient resources to fulfill the request or, alternatively, by generating a program for tiered transfer of the deficient resource amount for completion of the requested transfer.
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公开(公告)号：US20180254895A1
公开(公告)日：2018-09-06
申请号：US15450617
申请日：2017-03-06
Applicant: BANK OF AMERICA CORPORATION
CPC classification number: H04L9/0852 , H04L9/0861 , H04L9/14 , H04L63/0209 , H04L63/1408 , H04L2209/80 , H04W12/04
Abstract: A system for generating an enhanced polymorphic quantum enabled firewall in real-time typically includes a classical computer apparatus and a quantum optimizer in communication with the classical computer apparatus. The classical computer apparatus is configured to identify an unauthorized attempt to access information by an unidentified source, collect a first set of data about the unauthorized attempt, determine a type of the unauthorized attempt by analyzing the first set of data, and transmit the first set of data and the type of the unauthorized attempt to the quantum optimizer. The quantum optimizer upon receiving the first set of data and the type of the unauthorized attempt, generates a second key and a second level of encryption using the second key, generates a new protocol for transferring the second level of encryption over a network, and transfers the second level of encryption and the new protocol to the classical computer apparatus.
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Patent Agency Ranking
公开(公告)号：US10026118B2
公开(公告)日：2018-07-17
申请号：US15049835
申请日：2016-02-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Michael Wuehler
Abstract: Systems, computer program products, and methods are described herein for a system for allowing external validation of data in a process data network. The present invention is configured to create a block chain of resource information based on at least aggregated information associated with past transfer of resources executed by an entity; receive an indication that the entity has executed a transfer of resources at a terminal; receive information associated with the transfer of resources based on at least receiving the indication that the entity has executed the transfer of resources; and update the block chain of transaction information with the transaction activity executed by the entity.
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37.发明申请公开(公告)号：US20180165664A1
公开(公告)日：2018-06-14
申请号：US15373018
申请日：2016-12-08
Applicant: Bank of America Corporation
Inventor： Akiva Kates , Joseph Benjamin Castinado , Rob Oddy
CPC classification number: G06Q20/16 , G06Q20/10 , G06Q20/22 , G06Q20/322 , G06Q20/36 , G06Q20/40 , G06Q20/405
Abstract: Aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator and a link discovery engine. A computing platform may receive event definition information defining an event. Subsequently, the computing platform may receive a request for a recipient-selection user interface. The computing platform may mine alias data associated with a unique alias linked to a recipient computing device and may generate one or more relational user interface elements having relational content mined from the alias data. Then, the computing platform may send a delivery selection user interface having the one or more relational user interface elements to the recipient computing device. The computing platform may receive delivery selection information from the recipient computing device and may generate and send one or more event orchestration commands directing an event processor to execute one or more actions associated with the event.
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38.发明申请公开(公告)号：US20180165647A1
公开(公告)日：2018-06-14
申请号：US15372977
申请日：2016-12-08
Applicant: Bank of America Corporation
Inventor： Dean L. Henry , Joseph Benjamin Castinado , Brandon Castagna , Rob Oddy
CPC classification number: G06Q10/109 , H04L67/22 , H04L67/306
Abstract: Aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator. A computing platform may receive event definition information defining an event as well as stimulus selection information. Subsequently, the computing platform may receive a request for a recipient-selection user interface. The computing platform may identify one or more stimulus options available for a user of a recipient computing device associated with the event and may send a delivery selection user interface that includes a user-selectable component, which, when invoked, causes the computing platform to create a new endpoint associated with a stimulus option. Thereafter, the computing platform may receive delivery selection information and may generate one or more event orchestration commands directing an event processor to execute one or more actions associated with the event. The computing platform then may send the one or more event orchestration commands to the event processor.
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公开(公告)号：US20180152835A1
公开(公告)日：2018-05-31
申请号：US15365436
申请日：2016-11-30
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
CPC classification number: H04W12/02 , G07F19/203 , H04B5/0031 , H04L63/0492 , H04W4/40
Abstract: A computer terminal typically includes a retractable conduit and an actuator connected to the retractable conduit. The retractable conduit typically includes a proximal end, a distal end, and a barrier between the proximal end and the distal end. The distal end is typically configured to engage a portal of a vehicle positioned proximate to the computer terminal. The actuator is typically configured to extend the distal end of the retractable conduit away from the computer terminal and toward the portal of the vehicle. The computer terminal is typically configured to determine that the vehicle is proximate to the computer terminal; determine a location of the portal of the vehicle; and transmit a control signal that causes the actuator to extend the distal end of the retractable conduit away from the computer terminal so that the distal end engages the portal of the vehicle.
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公开(公告)号：US20180150900A1
公开(公告)日：2018-05-31
申请号：US15365105
申请日：2016-11-30
Applicant: Bank of America Corporation
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
CPC classification number: G06Q30/0635 , G06Q10/083 , G06Q20/12 , G06Q20/202 , H04L63/08 , H04W4/02
Abstract: A resource delivery system typically includes a processor, a memory, and a resource delivery module stored in the memory. The system is typically configured for: receiving a request from a first user to transfer resources to a second user; authenticating the first user to initiate the transfer of the resources; creating a virtual record and associating a record of the second user with the virtual record; transferring the resources to the virtual record via an automated channel; identifying an event and provide the second user in response to identifying the event at least one option comprising using the resources in the virtual record; and moving the resources from the virtual record via the automated channel based on identifying that the second user selected the option comprising using the resources stored in the virtual record.
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