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：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：US10805424B2

公开(公告)日：2020-10-13

申请号：US15700233

申请日：2017-09-11

Applicant: Bank of America Corporation

Inventor： Daniel Paul Doran ,  Dean Lyons Henry ,  Anand Ahuja

IPC: H04L29/08 ,  H04L29/06 ,  G06Q20/02

Abstract: The invention provides a gateway system for sending and coordinating digital requests for resource transfers amongst various computing systems. Typically, the various computing systems are configured to operate on different hardware and/or software platforms. Accordingly, the gateway system communicates with the various computing systems via an API, which provides an efficient way to coordinate resource transfers amongst the various computing systems while ensuring present and future compatibility with the various platforms during the resource transfer process.

公开(公告)号：US20190007519A1

公开(公告)日：2019-01-03

申请号：US15700233

申请日：2017-09-11

Applicant: Bank of America Corporation

Inventor： Daniel Paul Doran ,  Dean Lyons Henry ,  Anand Ahuja

IPC: H04L29/08 ,  H04L29/06

CPC classification number: H04L67/32 ,  G06Q20/027 ,  H04L63/20 ,  H04L67/20 ,  H04L67/327

Abstract: The invention provides a gateway system for sending and coordinating digital requests for resource transfers amongst various computing systems. Typically, the various computing systems are configured to operate on different hardware and/or software platforms. Accordingly, the gateway system communicates with the various computing systems via an API, which provides an efficient way to coordinate resource transfers amongst the various computing systems while ensuring present and future compatibility with the various platforms during the resource transfer process.