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公开(公告)号：US20210041992A1
公开(公告)日：2021-02-11
申请号：US16534852
申请日：2019-08-07
Applicant: Bank of America Corporation
Inventor： Lee Ann Proud , Kathleen Hanko Trombley , Martha Sain McClellan , Joseph Benjamin Castinado
IPC: G06F3/0482 , G06F9/451 , G10L15/26 , G06F17/27 , G06F3/16
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a system for adjustment of resource allocation based on multi-channel inputs that is configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.
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公开(公告)号：US20200273043A1
公开(公告)日：2020-08-27
申请号：US16285497
申请日：2019-02-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Paul Benton Murphy , Joseph Benjamin Castinado , Richard C. Clow, II , Charles Russell Kendall
Abstract: Embodiments of the present invention provide a system for real-time resource account verification processing for authentication of a user. The system provides a communication linkage between entities that are real-time payment network enabled participates to communication and confirm account verification. As such, via RFI messaging an entity may request verification of user resource accounts. The system may identify the entity associated with the resources, deploy a secure communication via the RFI messaging platform, and receive a verification in real-time. The system allows for performance of this communication on a backend secure RFI messaging center without third party knowledge of account verification processing. Thus limiting verification, disruption, and processing lag.
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公开(公告)号：US20200226558A1
公开(公告)日：2020-07-16
申请号：US16247067
申请日：2019-01-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado
IPC: G06Q20/02
Abstract: Embodiments of the present invention provide a system for a real-time reconciliation process. Currently, the confirmation of reconciliation across various entities comes in the form of an end-of-day data packet from a third party network or rail. The invention provides real-time reconciliation processing along a third party network or rail. As such, in real-time the resources are transferred from one user to another across a network, the system reconciles and confirms processing without lag from network processing. The system tracks the resources across the network and confirms a transmission, confirming that resources have been exchanged. Thereby providing an end-of-minute confirmation to both parties and instant back end reconciliation. As such, the invention provides a two-phase commit for both sides to commit and confirm via back end processing.
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公开(公告)号：US20200159946A1
公开(公告)日：2020-05-21
申请号：US16195276
申请日：2018-11-19
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Samuel Massa Moiyallah, JR.
Abstract: Systems, computer program products, and methods are provided for categorizing data entries or segments from data files and storing the categorized data within category-specific blocks of a distributed ledger within a distributed trust computing network. Access credentials are generated that link/point to the those category-specific blocks containing data entries/segments that the credential holder is authorized to access. As such, the present invention insures that authorized entities (i.e., credential holders) that are accessing the distributed trust network for the purpose of verifying/authenticating data contained therein only have access to that portion/segment of the data file (e.g., specific data entries or the like) that they are authorized to access. In other words, the present invention, limits the authorized entity to only accessing data from the data file on a need-to-know basis.
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75.发明申请公开(公告)号：US20200028797A1
公开(公告)日：2020-01-23
申请号：US16041181
申请日：2018-07-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
IPC: H04L12/911 , G06F9/54 , G06F17/30 , H04L29/08
Abstract: Embodiments of the present invention provide a system for increasing processing efficiency through automated resource field transformation. A message with multiple resource fields is received, and a first resource field is identified as being populated with a burdensome resource element. The burdensome resource element is extracted from the first resource field, creating a slim version of the message that is processed through normal procedures to execute an associated event. The burdensome resource element is routed to a burdensome resource processing system. The burdensome resource processing system can store the burdensome resource element until the burdensome resource element is requested by a user, and then transfer the burdensome resource element to the user after specialized processing of the element. Alternatively, the burdensome resource processing system may be a specialized processing system that processes the burdensome resource element's type more efficiently than the general processing procedures used to process the slim message.
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Patent Agency Ranking
公开(公告)号：US20200007525A1
公开(公告)日：2020-01-02
申请号：US16567781
申请日：2019-09-11
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
Abstract: Embodiments of the present invention provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for facilitating network authentication for real-time interactions using pre-authorized data records. Embodiments receive, at a node of a block chain distributed network, an authentication record associated with a user of a data network; access a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network; determine, from the distributed ledger, whether the authentication record includes effective authentication token; if so, authenticate the user using the authentication token; if not request credentials from the user; receive the credentials from the user; authenticate the credentials; and create an authenticated token based on the authenticated credentials; and record the authenticated token as an updated authentication record on the distributed ledger.
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公开(公告)号：US20190318328A1
公开(公告)日：2019-10-17
申请号：US15952039
申请日：2018-04-12
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall
Abstract: A real-time data processing platform is provided comprising, a controller configured for accessing and extracting information from across a distributed ledger of at least one block chain defined by a plurality of nodes participating on the at least one block chain. The platform further comprises a processing device is configured to complete a first interaction between a first user and a second user in substantially real-time. The platform establishes an operable communication linkage with at least some of the plurality of nodes of the block chain and extracts detailed interaction information associated with the first interaction from the distributed ledger. A first message is generated, wherein the detailed interaction information is integrated into the first message. The platform transmits the first message to a first user device associated with the first user.
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公开(公告)号：US10296882B2
公开(公告)日：2019-05-21
申请号：US15373018
申请日：2016-12-08
Applicant: Bank of America Corporation
Inventor： Akiva Kates , Joseph Benjamin Castinado , Rob Oddy
Abstract: Aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator and a link discovery engine. A computing platform may receive event definition information defining an event. Subsequently, the computing platform may receive a request for a recipient-selection user interface. The computing platform may mine alias data associated with a unique alias linked to a recipient computing device and may generate one or more relational user interface elements having relational content mined from the alias data. Then, the computing platform may send a delivery selection user interface having the one or more relational user interface elements to the recipient computing device. The computing platform may receive delivery selection information from the recipient computing device and may generate and send one or more event orchestration commands directing an event processor to execute one or more actions associated with the event.
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公开(公告)号：US20190131002A1
公开(公告)日：2019-05-02
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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80.发明授权公开(公告)号：US10142340B2
公开(公告)日：2018-11-27
申请号：US15167475
申请日：2016-05-27
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado
Abstract: Embodiments are directed to detection and identification of electronic devices and allocation of proxy identifiers for the same. Embodiments detect one or more electronic devices within a wireless network range; identify the one or more electronic devices within the wireless network range, comprising matching the one or more electronic devices with one or more entries in a database of users; determine that the one or more electronic devices has stored thereon one or more credentials; access the one or more credentials; allocate proxy identifiers corresponding to the one or more credentials; and initiate storage of the allocated proxy identifiers on the one or more electronic devices.
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