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公开(公告)号：US12051050B2
公开(公告)日：2024-07-30
申请号：US17958629
申请日：2022-10-03
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Siten Sanghvi , Heather Dolan , George Albero , Maharaj Mukherjee , Kevin A. Delson
CPC classification number: G06Q20/1085 , G06Q20/325 , G06Q20/327 , G06Q20/42
Abstract: A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.
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公开(公告)号：US20240112164A1
公开(公告)日：2024-04-04
申请号：US17958629
申请日：2022-10-03
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Siten Sanghvi , Heather Dolan , George Albero , Maharaj Mukherjee , Kevin A. Delson
CPC classification number: G06Q20/1085 , G06Q20/325 , G06Q20/327 , G06Q20/42
Abstract: A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.
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公开(公告)号：US11314848B2
公开(公告)日：2022-04-26
申请号：US16557497
申请日：2019-08-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.
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公开(公告)号：US10943229B2
公开(公告)日：2021-03-09
申请号：US15363692
申请日：2016-11-29
Applicant: Bank of America Corporation
Inventor： Heather Dolan , Victoria L. Dravneek , Zafer Mohamed
Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.
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公开(公告)号：US10679272B2
公开(公告)日：2020-06-09
申请号：US16374851
申请日：2019-04-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Willard H. Waldron , Victoria L. Dravneek , Katherine Dintenfass , Graham M. Wyllie , Kenneth A. Kaye , Heather Dolan
Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene and a camera. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.
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Patent Agency Ranking
公开(公告)号：US10607230B2
公开(公告)日：2020-03-31
申请号：US15367551
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
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：US10600111B2
公开(公告)日：2020-03-24
申请号：US15365272
申请日：2016-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Willard H. Waldron , Victoria L. Dravneek , Katherine Dintenfass , Graham M. Wyllie , Kenneth A. Kaye , Heather Dolan
Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies a business from an image. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image, performs object recognition on the image to identify the business, and generates a location identifier identifying the business. The virtual assessment engine sends a token with the user identifier and the location identifier to a remote server, receives geolocation notifications for the user from the server, and presents the geolocation notifications as virtual objects overlaid with a real scene.
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公开(公告)号：US10339583B2
公开(公告)日：2019-07-02
申请号：US15365511
申请日：2016-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Willard H. Waldron , Victoria L. Dravneek , Katherine Dintenfass , Graham M. Wyllie , Kenneth A. Kaye , Heather Dolan
Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.
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公开(公告)号：US10255600B2
公开(公告)日：2019-04-09
申请号：US14306158
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin
Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.
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公开(公告)号：US20180158053A1
公开(公告)日：2018-06-07
申请号：US15367502
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
IPC: G06Q20/40 , G06F3/0488 , G06T11/60 , G02B27/01 , G06Q20/10
Abstract: A system for performing authorization of a user in an augmented reality environment comprises an augmented reality user device, an automatic teller machine, and an authentication server. The automatic teller machine has a keypad with unmarked buttons. The augmented reality user device includes a display configured to overlay virtual objects onto a field of view of a user. The augmented reality user device receives a virtual keypad overlay, which assigns values to the unmarked buttons of the keypad. Using the overlay, the augmented reality user device displays the assigned values on the buttons of the keypad. The automatic teller machine detects an input sequence entered on the keypad and sends the input sequence to the authentication server. The authentication server determines an authentication code by combining the input sequence with the virtual keypad overlay, and compares the determined authentication code with an authentication code stored in a database.
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