公开(公告)号：US20230368201A1

公开(公告)日：2023-11-16

申请号：US17743273

申请日：2022-05-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Steven Michael Twombly ,  Tony England ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland ,  Sara A. Walsh

IPC: G06Q20/40

CPC classification number: G06Q20/401

Abstract: Embodiments of the present invention provide a system for implementing end-point authentication restriction for resource distribution devices. The system is configured for receiving a resource distribution request, wherein the resource distribution request is initiated via a resource distribution device associated with a user at an end-point, determining, via a machine learning model, an end-point identifier associated with the end-point, classifying the resource distribution request based at least in part on the end-point identifier associated with the end-point, and authenticating the resource distribution request based on classifying the resource distribution request.

公开(公告)号：US20230367645A1

公开(公告)日：2023-11-16

申请号：US17743120

申请日：2022-05-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Tony England ,  Steven Michael Twombly ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland ,  Sara A. Walsh

IPC: G06F9/50

CPC classification number: G06F9/5072 ,  G06F9/505 ,  G06F9/5083

Abstract: A system is provided for implementing dynamic authentication restrictions for resource instrument use. In particular, the system may be configured to implement a spectrum of resource transfer restrictions on a device level, resource transfer instrument level, and/or resource transfer type level, where the restrictions may be implemented based on user input and/or automatically through machine learning processes. In some embodiments, the system may implement dynamic resource restrictions per resource transfer based on a trained machine learning model. In this way, the system may provide an efficient and secure way to implement resource transfer restrictions.

公开(公告)号：US11716290B1

公开(公告)日：2023-08-01

申请号：US17743384

申请日：2022-05-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Steven Michael Twombly ,  Tony England ,  Robertson Walters Greenbacker ,  Bradley Ryan Holland ,  Sara A. Walsh

IPC: H04L12/24 ,  H04L29/08 ,  H04L41/0893 ,  H04L41/084 ,  H04L47/70 ,  H04L47/762

CPC classification number: H04L47/828 ,  H04L47/762 ,  H04L47/822 ,  H04L47/827

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic linking of resource data structures across distributed networks. The system is structured for enhancing data security by evaluating and determining iterations of data transformations associated with resource data structures across networks and establishing deletion and usage modification mechanisms for stored unauthorized downstream iterations. The system is structured to link a first front end resource data structure and a downstream transformation comprising a first entity resource data structure. The system is structured to construct a real-time interactive technology resource interface such that the technology resource interface is structured to present graphical interface objects associated with the link between the first front end resource data structure and the first entity resource data structure.

公开(公告)号：US20220308946A1

公开(公告)日：2022-09-29

申请号：US17215740

申请日：2021-03-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robertson Walters Greenbacker ,  Tony England

IPC: G06F9/54

Abstract: Configuring resource transfer event messages to include, not only the user data required to affect the resource transfer (e.g., resource repository identifier and the like), but other user data related to the resource transfer event, such as user preference data. The resource transfer event messages are communicated to resource storage entities that subsequently store user records that associate users with the resource transfer events and the additional user data. In this regard, a security benefit is realized, in that, resource storage entities can leverage the additional data to investigate potential nefarious actions. Moreover, by including the additional user information in resource transfer event messages communicated to resource storage entities, the volume of resource transfer event messages or other network-based messages is lessened thereby limiting network traffic and making the overall process more efficient and effective.

公开(公告)号：US11336587B1

公开(公告)日：2022-05-17

申请号：US17199070

申请日：2021-03-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Robertson Walters Greenbacker ,  Brian Wallace Borneman ,  Justin Riley duPont ,  Tony England ,  Timothy Stephen Nurse ,  Stephen Philip Selfridge

IPC: H04L12/927 ,  H04L47/80 ,  H04L47/762 ,  H04L47/74 ,  G06N20/00 ,  G06Q20/40 ,  G06Q10/06

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation and management of controlled-use resources which allow the sender of an electronic resource transfer to limit the ways in which the recipient may use the received resources. This invention allows the sender to maintain control over the products or services purchased with transferred resources, as well as personalize a transfer for a recipient by selecting a favorite merchant or spending category of the recipient. The invention may also benefit a plurality of merchants and other third party entities which may obtain new customers as a result of said customers receiving controlled-use resources designated for said merchants.

公开(公告)号：US20220076265A1

公开(公告)日：2022-03-10

申请号：US17525081

申请日：2021-11-12

Applicant: Bank of America Corporation

Inventor： Tony England ,  Stephen Philip Selfridge

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/32 ,  G06K9/46

Abstract: Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.

公开(公告)号：US20220027865A1

公开(公告)日：2022-01-27

申请号：US16935542

申请日：2020-07-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Justin Riley DuPont ,  Charles Jason Burrell ,  Tony England ,  Catherine Goss ,  Michael Robert Hasslinger ,  Christina Ann Lillie ,  John Allen Sellers ,  Vincent Butler ,  John Livaditis ,  Karen Lea MacQueen ,  Ana Maxim

IPC: G06Q20/06 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q40/02 ,  G06Q20/22

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an auxiliary hub for passive resource conversion and collection. The system generations and provides a centralized hub for passive resource conversion. The passive resources may be linked from a third party to the hub for direct extraction of the passive resource to the hub. Furthermore, the system may translate the passive resource into active resource via a modification ratio based on the type of passive resource and passive resource provider. The user may then be able to utilize this centralized auxiliary hub for completion or partial completion of resource distributions. The invention further provides a graphical user interface that integrates the centralized auxiliary hub with user mobile applications, on-line applications, and the like allowing for partial selection from the hub and other resource sources for distribution.

公开(公告)号：US11196737B2

公开(公告)日：2021-12-07

申请号：US16399877

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: H04L29/06 ,  G06Q30/06 ,  H04W12/06

Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.

公开(公告)号：US11087312B2

公开(公告)日：2021-08-10

申请号：US16568692

申请日：2019-09-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： James Gregory Ronca ,  Gregory Joseph Lloyd ,  Tony England ,  Stephen Philip Selfridge

IPC: G06Q20/36 ,  G06Q20/06

Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

公开(公告)号：US11049130B2

公开(公告)日：2021-06-29

申请号：US15977334

申请日：2018-05-11

Applicant: Bank of America Corporation

Inventor： Mark Churchill Monaco ,  Tony England ,  Matthew D. Murphy ,  David C. Tyrie

IPC: G06Q30/00 ,  G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  H04L9/06 ,  G06Q20/22 ,  G06Q20/02 ,  G07G1/00 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/24 ,  G05B19/418 ,  H04W4/30 ,  G06Q50/00

Abstract: A system for integrating custom benefits into a communication transmission exchange is provided. The communication transmission exchange may include a plurality of entities. The system may include a receiver configured to receive a custom benefit selection. A second entity may perform the selection. The custom benefit may be associated with a first entity. The selection may trigger termination of any predetermined benefits to be communicated from a fourth entity to the second entity. The predetermined benefits may have been previously associated with a communication associated with the custom benefit. The selection may trigger instantiation of a communication line between the first entity and the second entity. The communication line may be for delivering a custom benefit communication, associated with the custom benefit, from the first entity to the second entity. The selection may also trigger deliverance of the custom benefit communication from the first entity to the second entity.