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41.发明公开公开(公告)号：US20230306824A1
公开(公告)日：2023-09-28
申请号：US17706282
申请日：2022-03-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Martha Sain McClellan , Yash Sharma , David Smiddy
CPC classification number: G07F19/211 , G07F19/206 , G07F19/203 , H04L9/321 , H04L9/3247 , H04L2209/38 , H04L2209/56
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.
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公开(公告)号：US11720295B2
公开(公告)日：2023-08-08
申请号：US17398691
申请日：2021-08-10
Applicant: BANK OF AMERICA CORPORATION
Inventor： Carl Parziale , James Alexander , Elizabeth Anne Price , David Smiddy
CPC classification number: G06F3/1206 , G06F3/1224 , G06F3/1236
Abstract: Embodiments of the present invention provide a system for transforming entity device to a multi-functional device via a remote communication link. In particular, the system may be configured to receive an interaction request from an associate, via an associate device, wherein the interaction request is associated with a user, authenticate the associate using the associate device, in response to authenticating the associate, establish a remote communication link between the associate device and an entity device, receive an activation request from the associate to activate the entity device, via the associate device and the remote communication link, and in response to receiving the activation request, activate the entity device and transform the entity device to a multi-functional device.
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43.发明公开公开(公告)号：US20230237517A1
公开(公告)日：2023-07-27
申请号：US17584470
申请日：2022-01-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , Martha Sain McClellan , David Smiddy
CPC classification number: G06Q30/0205 , G06Q30/0207 , H04W4/021 , H04W68/005 , H04W76/14
Abstract: Embodiments of the invention are directed to a system and method for generating and transmitting shareable electronic notification data via a hardware device network. A non-transitory wireless signal is broadcasted from a front-line unit in a network of front-line units, and a user determined to be in proximity to the front-line unit receives via the wireless signal reward data from a database. Electronic notification data is transmitted to the user device, whereafter the electronic notification data is displayed and an option to share the reward data to a secondary user is provided. Once shared, the secondary user's user device establishes a connection to the front-line unit to receive the reward data from the rewards database.
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44.发明公开公开(公告)号：US20230196361A1
公开(公告)日：2023-06-22
申请号：US17553130
申请日：2021-12-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Martin Mattison , David Smiddy , Ann Ta , Charles Hector Gruesbeck, II
IPC: G06Q20/40
CPC classification number: G06Q20/4014 , G06Q20/403 , G06Q20/405 , G06Q20/4015
Abstract: Systems, methods, and computer program products are provided for providing an electronic centralized gateway switch to a plurality of network devices. The method includes assigning a resource value to a resource received from a sending user. The resource value corresponds to a value of the resource received. The method also includes receiving a resource transfer information. The resource transfer information includes intended transfer target information corresponding to an intended transfer target account associated with an intended transfer target. The intended transfer target account is associated with one of a plurality of resource entities. The method further includes connecting to the resource entity associated with the intended transfer target account based on the resource entity associated with the intended transfer target account. The method still further includes causing a transmission of the resource value to the intended transfer target account at the resource entity associated with the intended transfer target account.
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公开(公告)号：US20230186309A1
公开(公告)日：2023-06-15
申请号：US17547997
申请日：2021-12-10
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Carl Parziale , David Smiddy , Harold Joseph Kennedy
CPC classification number: G06Q20/4016 , G06Q20/389 , G06Q20/02
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.
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Patent Agency Ranking
公开(公告)号：US20230048988A1
公开(公告)日：2023-02-16
申请号：US17398447
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 and one or more auxiliary devices on the same local network. In particular, the system may assign exclusive control over an automated device and one or more auxiliary devices 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.
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47.发明申请公开(公告)号：US20230046196A1
公开(公告)日：2023-02-16
申请号：US17401015
申请日：2021-08-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： David Smiddy , Himanshu Goyal , Raghu Nadimpalli , Sanath K. Pasumarthy , Zeal J. Shah
IPC: H04L29/06 , G06F16/955 , G06F16/957
Abstract: Simultaneous distributed application support of multiple identity management systems is provided through the use of virtual web server instances, which enable one identity management system, on physical servers already running a pre-existing web server instance, which enables a different identity management system. Further, an intelligent rules-based determination is implemented to determine whether to route an access request to either the virtual or pre-existing web server instance. Since the virtual web server instances are generated on the same physical server that executes the pre-existing web service instance, the the existing network flow (i.e., a single URL) and physical infrastructure is leveraged to create a simplified approach to managing the simultaneous use of multiple identity management systems across different distributed applications.
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公开(公告)号：US20230033402A1
公开(公告)日：2023-02-02
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
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.
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公开(公告)号：US20220180688A1
公开(公告)日：2022-06-09
申请号：US17317778
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：US20220094697A1
公开(公告)日：2022-03-24
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
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.
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