公开(公告)号：US11636428B2

公开(公告)日：2023-04-25

申请号：US17551615

申请日：2021-12-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Christine Meloro Hill ,  Manu Jacob Kurian ,  Lalit Dhawan ,  Robert N. Gridley ,  G. Alister Bazaz

IPC: G06Q10/087 ,  G06F16/27

Abstract: The present disclosure is directed to a novel system for using a distributed register to conduct, manage, and store resource tracking data. In particular, computing systems may be used to perform assessments on and track various diagnostic parameters for a fleet of resources within an enterprise environment and store the data records within the distributed register. Data may be received in a periodic manner, event-based manner, or a continuous manner from on-board diagnostic components of the resources. The system may further comprise one or more distributed register interjectors which may trigger the addition of updated data records for one or more resources in the distributed register. In this way, the system provides for a highly efficient way to track and analyze resource data and forecast value and condition of resources belonging to the entity.

公开(公告)号：US11610160B2

公开(公告)日：2023-03-21

申请号：US17841472

申请日：2022-06-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Christine Meloro Hill ,  G. Alister Bazaz ,  Lalit Dhawan ,  Robert N. Gridley ,  Manu Jacob Kurian

IPC: G06Q10/0631 ,  G06F16/27

Abstract: Validated tracking and managing of events associated with equipment during a usage lifetime. Equipment is registered within a distributed register/ledger of a distributed trust network according to an equipment identifier and subsequently events related to the equipment are registered and managed within the distributed register/ledger during the usage lifetime. Such events include resource arrangement-related events and property-right-related events. In addition, logic may be included in the distributed register/leger that triggers various actions in response to the events.

公开(公告)号：US20220400474A1

公开(公告)日：2022-12-15

申请号：US17345115

申请日：2021-06-11

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: H04W72/04 ,  H04W72/06 ,  H04W12/08

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：US20210304119A1

公开(公告)日：2021-09-30

申请号：US16831335

申请日：2020-03-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Christine Meloro Hill ,  Manu Jacob Kurian ,  Lalit Dhawan ,  Robert N. Gridley ,  G. Alister Bazaz

IPC: G06Q10/08 ,  G06F16/27

Abstract: Validated tracking of events associated with equipment during the course of a resource arrangement. The events include location-changing events, which provide for a physical change in location of the equipment. The verified tracking of the events is provided by a distributed trust computing network, which through convergence by one or more decentralized nodes provides for authenticating/validating data stored within distributed registers/ledgers. Specific to the invention, once a location-changing event is determined/detected, the location-changing event is registered in the distributed trust computing network by creating and validating a data block within a distributed register/ledger that includes information pertaining to the location-changing event. In this regard, the existence of the data block within the distributed register/leger serves as a verified source of truth of the occurrence of the location-change event, which is capable of identifying the verified current location of the equipment at any point in time.

公开(公告)号：US20210160071A1

公开(公告)日：2021-05-27

申请号：US16695447

申请日：2019-11-26

Applicant: Bank of America Corporation

Inventor： Elena Kvochko ,  Lalit Dhawan

IPC: H04L9/32 ,  H04L9/06 ,  G06F21/62

Abstract: A privacy-enabled system for securely transmitting encrypted data is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device configured to: receive a request for a resource transfer of a resource from a user resource location associated with a user to a destination device associated with a third party; determine a data requirement for completing the resource transfer, wherein the data requirement is a minimum amount of user resource location data required for directing the resource from the user resource location to the destination device and completing the resource transfer; based on determining the data requirement, generate a transmission package comprising the resource, wherein the transmission package has at least a portion of the user resource location data removed or modified; and deliver the transmission package to the destination device to complete the resource transfer.

公开(公告)号：US20200160416A1

公开(公告)日：2020-05-21

申请号：US16195923

申请日：2018-11-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Lalit Dhawan

IPC: G06Q30/06 ,  G06F16/9535 ,  G06F16/28 ,  G06F16/2457 ,  G06N20/00 ,  H04L12/58

Abstract: Systems for providing cross-relational matching functionality are provided. In some examples, a system may receive a request for a product which may be evaluated to determine whether a requesting user qualifies for the product. If so, the product may be approved and cross-relational matching functionality may be enabled. A plurality of eligible users may be identified. The plurality of eligible users may be identified as potentially interested in assisting in providing the product to the requesting user. Each eligible user of the plurality of eligible users may be evaluated (e.g., using machine learning) to determine whether the user matches one or more predetermined rules or qualifications as likely to be interested in providing the product. If so, the eligible user may be added to a subset of eligible users.