公开(公告)号：US20210081244A1

公开(公告)日：2021-03-18

申请号：US16572013

申请日：2019-09-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alfred James Reed ,  Douglas Edward Houser ,  Robert W. Johnston ,  Michael J. Miller ,  Jaqueline R. Sousa ,  Catherine Ann Worth

IPC: G06F9/50 ,  G06F11/30

Abstract: A system is typically configured to continuously monitor one or more channels, wherein the one or more channels are associated with sources of initiation of resource transfer requests, receive a resource transfer request from a resource entity system via at least one channel of the one or more channels, in response to receiving the resource transfer request, generate, via an artificial intelligence engine, one or more recommendations associated with routing of the resource transfer request, wherein each of the one or more recommendations comprises a resource transfer method, and route the resource transfer request via a resource transfer method associated with at least one recommendation of the one or more recommendations.

公开(公告)号：US10579440B2

公开(公告)日：2020-03-03

申请号：US15805840

申请日：2017-11-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alfred James Reed ,  Huihui Wu

IPC: G06F9/50

Abstract: A virtual resource control and distribution system is provided that utilizes virtual resource pools coupled to authentic resource pools in order to reduce processing capacity requirements, memory requirements, and processing time. In particular, the present invention utilizes a reduced number of authentic resource pools, such as one single authentic resource pool, that is coupled to one or more virtual resource pools. The virtual resource pools may be utilized to enter into interactions. However, when interactions are entered, the virtual resource pools may be adjusted based on the resources associated with the interaction without actually having any resources associated with the virtual resource pools. As such, the virtual resource pools may illustrate a change in virtual resources in the virtual resource pool, but the authentic resource pool to which the virtual resource pool is associated, will be utilized for distributing the resources and processing the interactions.

公开(公告)号：US20190158390A1

公开(公告)日：2019-05-23

申请号：US15816798

申请日：2017-11-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anand Ahuja ,  Alfred James Reed ,  Joe Nathan Lamar, III ,  Ayeesha Sachedina

IPC: H04L12/717 ,  H04L12/911 ,  H04L12/66 ,  H04L29/06

Abstract: The centralized resource routing and distribution improves upon the routing of interactions and distribution of resources for interactions between users and operator entities. A centralized gateway is provided through which interactions may be routed and resources distributed using one or more substitute interfaces. The one or more substitute interfaces may mimic interfaces of the operator, or otherwise provide a universal interface for use of multiple resource pools for the interactions. Use of the gateway and substitute interfaces increases processing capacity, reduces memory requirements, and/or improves processing time for both the operator entities and the organization entities since it provides for centralized routing and distribution for multiple operator entities without the operator entities having to store and/or process user information or the interactions associated therewith.

公开(公告)号：US11887082B2

公开(公告)日：2024-01-30

申请号：US17544047

申请日：2021-12-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alfred James Reed ,  Katherine Shaw ,  Kathryn Elizabeth Outlaw ,  Stephanie Ardman ,  Allison June Shonerd ,  Derrick Altair Walton

IPC: G06Q20/10 ,  G06Q20/40

CPC classification number: G06Q20/108 ,  G06Q20/102 ,  G06Q20/4014

Abstract: Systems, computer program products, and methods are described herein for implementing centralized resource distribution framework. The present invention is configured to electronically receive, from a computing device associated with a client, an indication to initiate a resource transfer to a user; retrieve, from a resource repository, one or more resource transfer parameters associated with the user based on at least the information associated with the user; and execute the resource transfer to the user based on at least the one or more resource transfer parameters, wherein executing further comprises transferring the resource from a source repository to the one or more target repositories via the one or more resource routing channels.

公开(公告)号：US10530780B2

公开(公告)日：2020-01-07

申请号：US15730568

申请日：2017-10-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Dean Lyons Henry ,  Huihui Wu ,  Alfred James Reed

IPC: G06F15/16 ,  H04L29/06 ,  G06F21/31 ,  G06F21/44

Abstract: Provide improved validation of a recipient entity when the recipient entity is involved in an interaction with a provider entity. One or more application programming interfaces (APIs) are provided that are utilized to validate the recipient entity. Recipient entity information, such as a recipient entity identifier, is utilized and communicated to the resource systems to more efficiently validate the recipient entity in order to improve the processing capacity, reduce memory requirements, and improve processing speeds for validating the recipient entity for an interaction. Moreover, a more accurate determination of the actual identity of the recipient entity may be provided, thus improving the security of the interaction between the entities and reducing the potential for misappropriation of the resources involved in the interactions.

公开(公告)号：US10320662B1

公开(公告)日：2019-06-11

申请号：US15816798

申请日：2017-11-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anand Ahuja ,  Alfred James Reed ,  Joe Nathan Lamar, III ,  Ayeesha Sachedina

IPC: G06F15/173 ,  H04L12/717 ,  H04L12/911 ,  H04L29/06 ,  H04L12/66 ,  H04L29/08

Abstract: The centralized resource routing and distribution improves upon the routing of interactions and distribution of resources for interactions between users and operator entities. A centralized gateway is provided through which interactions may be routed and resources distributed using one or more substitute interfaces. The one or more substitute interfaces may mimic interfaces of the operator, or otherwise provide a universal interface for use of multiple resource pools for the interactions. Use of the gateway and substitute interfaces increases processing capacity, reduces memory requirements, and/or improves processing time for both the operator entities and the organization entities since it provides for centralized routing and distribution for multiple operator entities without the operator entities having to store and/or process user information or the interactions associated therewith.

公开(公告)号：US20190109853A1

公开(公告)日：2019-04-11

申请号：US15730568

申请日：2017-10-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Dean Lyons Henry ,  Huihui Wu ,  Alfred James Reed

IPC: H04L29/06 ,  G06F21/31

CPC classification number: H04L63/104 ,  G06F21/31 ,  G06F21/44 ,  H04L63/101 ,  H04L63/102

Abstract: Provide improved validation of a recipient entity when the recipient entity is involved in an interaction with a provider entity. One or more application programing interfaces (APIs) are provided that are utilized to validate the recipient entity. Recipient entity information, such as a recipient entity identifier, is utilized and communicated to the resource systems to more efficiently validate the recipient entity in order to improve the processing capacity, reduce memory requirements, and improve processing speeds for validating the recipient entity for an interaction. Moreover, a more accurate determination of the actual identity of the recipient entity may be provided, thus improving the security of the interaction between the entities and reducing the potential for misappropriation of the resources involved in the interactions.

公开(公告)号：US20220188784A1

公开(公告)日：2022-06-16

申请号：US17544047

申请日：2021-12-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alfred James Reed ,  Katherine Shaw ,  Kathryn Elizabeth Outlaw ,  Stephanie Ardman ,  Allison June Shonerd ,  Derrick Altair Walton

IPC: G06Q20/10 ,  G06Q20/40

Abstract: Systems, computer program products, and methods are described herein for implementing centralized resource distribution framework. The present invention is configured to electronically receive, from a computing device associated with a client, an indication to initiate a resource transfer to a user; retrieve, from a resource repository, one or more resource transfer parameters associated with the user based on at least the information associated with the user; and execute the resource transfer to the user based on at least the one or more resource transfer parameters, wherein executing further comprises transferring the resource from a source repository to the one or more target repositories via the one or more resource routing channels.

公开(公告)号：US11237869B2

公开(公告)日：2022-02-01

申请号：US16572013

申请日：2019-09-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alfred James Reed ,  Douglas Edward Houser ,  Robert W. Johnston ,  Michael J. Miller ,  Jaqueline R. Sousa ,  Catherine Ann Worth

IPC: G06F9/50 ,  G06F11/30

Abstract: A system is typically configured to continuously monitor one or more channels, wherein the one or more channels are associated with sources of initiation of resource transfer requests, receive a resource transfer request from a resource entity system via at least one channel of the one or more channels, in response to receiving the resource transfer request, generate, via an artificial intelligence engine, one or more recommendations associated with routing of the resource transfer request, wherein each of the one or more recommendations comprises a resource transfer method, and route the resource transfer request via a resource transfer method associated with at least one recommendation of the one or more recommendations.

公开(公告)号：US10929196B2

公开(公告)日：2021-02-23

申请号：US16719749

申请日：2019-12-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alfred James Reed ,  Huihui Wu

IPC: G06F9/44 ,  G06F9/50

Abstract: A virtual resource control and distribution system is provided that utilizes virtual resource pools coupled to authentic resource pools in order to reduce processing capacity requirements, memory requirements, and processing time. In particular, a reduced number of authentic resource pools are used, such as one single authentic resource pool, that is coupled to virtual resource pools. The virtual resource pools may be utilized to enter into interactions. However, when interactions are entered, the virtual resource pools may be adjusted based on the resources associated with the interaction without actually having any resources associated with the virtual resource pools. As such, the virtual resource pools may illustrate a change in virtual resources in the virtual resource pool, but the authentic resource pool to which the virtual resource pool is associated, will be utilized for distributing the resources and processing the interactions.