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公开(公告)号：US20220215330A1
公开(公告)日：2022-07-07
申请号：US17140525
申请日：2021-01-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Ann Ta
Abstract: Systems, computer program products, and methods are described herein for directing resource transfers based on resource distribution data. The present invention may be configured to receive resource distribution data associated with a plurality of resource distributions, where the resource distribution data includes a plurality of resources, a plurality of receiving locations, and a plurality of delivery locations. The present invention may be further configured to receive a target efficiency rate for transfer containers corresponding to a percentage of capacity of the transfer containers occupied while the transfer containers are transferring the resources. The present invention may be further configured to determine, based on the resource distribution data and the target efficiency rate, instructions for achieving the target efficiency rate for the transfer containers while receiving and delivering the plurality of resources from the plurality of receiving locations and to the plurality of delivery locations.
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公开(公告)号：US11321127B2
公开(公告)日：2022-05-03
申请号：US16414161
申请日：2019-05-16
Applicant: Bank of America Corporation
IPC: G06F9/46 , G06F9/50 , G06N20/00 , G06F16/909 , G06F16/9035
Abstract: A system for multi-faceted resource aggregation and deployment is provided, the system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: generate a user profile comprising historical user interaction data associated with a user; establish a connection to a resource location associated with the user; identify an existing resource associated with the resource location; determine an additional resource based on identifying the existing resource, wherein the additional resource is complementary to the existing resource; aggregate the existing resource and the additional resource into a multivariable resource collection; and configure a resource deployment based on the multivariable resource collection and the user profile, wherein the resource deployment is configured to complete a multi-faceted interaction using a combination of the multivariable resource collection.
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公开(公告)号：US11297001B2
公开(公告)日：2022-04-05
申请号：US16154309
申请日：2018-10-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Andrew S. Heiman
IPC: H04L12/911 , G06F9/50 , G06Q30/02 , H04W4/08 , H04L47/783 , H04L47/70 , H04L67/10
Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools of the members within the interaction network without having to use the traditional processing networks. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like) that are able to handle both traditional processing, as well as closed loop processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.
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公开(公告)号：US11295329B2
公开(公告)日：2022-04-05
申请号：US16905459
申请日：2020-06-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Lee Barry Frantz , Lee Ann Proud , Ann Ta
IPC: G06Q30/02 , G06Q50/16 , G06Q50/28 , G01V99/00 , G06Q10/04 , G06F16/2457 , H04W4/021 , G06Q10/06
Abstract: A system for geographic resource mapping is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; a processing device, wherein the processing device is configured to execute the computer-readable program code to: receive a geographic location for a proposed resource site from a user; extract historical interaction information associated with the geographic location and the user from an interaction database; generate a resource map for the geographic location based on the historical interaction information and the proposed resource site; calculate a landscape score for the proposed resource site at the geographic location, wherein the landscape score compares the proposed resource site with other resource sites associated with the geographic location based on the generated resource map; and based on the landscape score falling below a predetermined threshold, reject the proposed resource site at the geographic location.
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公开(公告)号：US20220060337A1
公开(公告)日：2022-02-24
申请号：US17517933
申请日：2021-11-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado
Abstract: A universal tag linked to the content of a data file for protecting the authenticity of the data file and/or the owner/creator of a digital file. The universal tag is linked to the content in the data file via one or more input keys/seeds that are used to generate the universal tag and rely on data associated with the content. Once generated, the universal tag is registered on a distributed ledger of at least on distributed trust computing network, which acts as a source of truth to validate the universal tag and, as such, validate (i) an authenticity of the data file, and/or (ii) the user associated with the data file (e.g., rightful possessor and/or creator of the digital file).
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Patent Agency Ranking
公开(公告)号：US20210398103A1
公开(公告)日：2021-12-23
申请号：US16905414
申请日：2020-06-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Lee Barry Frantz , Lee Ann Proud , Ann Ta
IPC: G06Q20/32
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a secure mobile resource interaction device for mobile resource distribution services providing a smart interface interactivity linkage between parties. The system incorporates misappropriation service identifications for a merchant, a co-geolocation colocation, and a pinning element incorporated within the secure mobile resource interaction device to confirm security for completion of resource distribution. Upon qualification of one or more of the incorporated elements, the device may activate and provide a display for completion of resource distribution.
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公开(公告)号：US11152086B2
公开(公告)日：2021-10-19
申请号：US15802036
申请日：2017-11-02
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for collection of and utilization of electroencephalography (EEG) data for user experience and interaction management. The invention interconnects with a network for real-time user experience modification based on user identification via EEG data. In this way, upon recognition and analysis of EEG data, the invention forms and modify a user specific experience via integration within third party systems. EEG readings are segmented, sorted, and matched to a user baseline EEG reading to identify the user and modify the user experience based on quantifiable points.
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公开(公告)号：US10977624B2
公开(公告)日：2021-04-13
申请号：US15485879
申请日：2017-04-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Manu Jacob Kurian , Joseph Benjamin Castinado
Abstract: Embodiments of the invention are directed to systems, methods and computer program products for electronic generation of resource distribution documents via system integrated interface on a platform application. A user may input information for generating a digital resource distribution document via system controlled applications within the external platform application. The system may generate the resource distribution document for digital or physical use. Furthermore, the system deploys multi-level security authorization requirements for distribution of resources via the resource distribution documents. In this way, the system encrypts the information inputted into an encrypted scannable code; the system generates a digital photo of the generated document, and stores device information associated with the device that was used to generate the document. This multi-level authorization is reviewed by a receiving institution prior to authorizing deployment of resources from the generated resource distribution document.
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公开(公告)号：US20210044442A1
公开(公告)日：2021-02-11
申请号：US16534812
申请日：2019-08-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Lee Ann Proud , Joseph Benjamin Castinado , Martha Sain McClellan , Kathleen Hanko Trombley
IPC: H04L9/32 , G06F8/61 , H04L29/08 , H04L12/24 , H04L12/911
Abstract: A system that provides for management of resource interaction equipment fulfillment via a gateway apparatus that uses Application Programming Interface (API) services to connect and integrate with the various systems deployed by the equipment providers, such that, all data communication between the managing entity and the equipment providers is orchestrated through the gateway apparatus to track the occurrence of events associated with resource interaction equipment fulfillment. Additionally, a distributed trust computing network is implemented in which each of the equipment providers serve as a decentralized node in the distributed trust computing network capable of converging on a data block to verify the validity of the equipment fulfillment process event stored in the block.
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公开(公告)号：US20210042719A1
公开(公告)日：2021-02-11
申请号：US16534934
申请日：2019-08-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Lee Ann Proud , Joseph Benjamin Castinado , Martha Sain McClellan , Kathleen Hanko Trombley
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for paperless and cardless third party resource transfer processing. The invention creates a user experience on a stand-alone device associated with a third party by incorporating resource transfer data and resource transfer input from the user, and displaying the resource transfer data to the user. Wireless communication channels provide the invention with secure, cardless capabilities. The invention may communicate with the user device to receive authentication credentials from the user and transmit a processed total resource allocation to the third party resource transfer system.
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