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公开(公告)号：US20230177425A1
公开(公告)日：2023-06-08
申请号：US17541750
申请日：2021-12-03
Applicant: Bank of America Corporation
Inventor： Jason Sy Coady , Stephen David Pearce , Ayeesha Sachedina , Paul Michael Dalmaine , Anthony Edward Copeland , James Kyle Snyder , Joseph Temitope Arewa , Clay Alexander Banks
IPC: G06Q10/06
CPC classification number: G06Q10/06313 , G06Q10/063112 , G06Q10/063118 , G06Q10/0633
Abstract: A system configured to optimize resource allocation efficiency obtains a task. The system identifies a set of task features associated with the task, where the task features include a description, requirements, time criticality level, resource needs with respect to the task. The system identifies one or more entities impacted by the task. The system notifies the one or more entities to update the task features. The system receives the updated task features. The system determines a performance level associated with the task based on the updated task features. The system determines a priority level for performing the task based on the performance level and the updated task features such that a predefined rule is met. The predefined rule is defined to optimize at least one of task completion time, task result quality, and resource allocation efficiency.
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公开(公告)号：US20190392434A1
公开(公告)日：2019-12-26
申请号：US16564781
申请日：2019-09-09
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Martha Sain McClellan , Lee Ann Proud , Ayeesha Sachedina , Calvin William Tackett, JR.
IPC: G06Q20/38 , G06Q20/40 , G06Q40/02 , G06F16/182
Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.
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公开(公告)号：US20220101302A1
公开(公告)日：2022-03-31
申请号：US17037042
申请日：2020-09-29
Applicant: Bank of America Corporation
Inventor： Christopher Hope , James McMorrow , Sumita Desai , Shehreyar Jamshed , Ayeesha Sachedina , Anna Xu , Brandon Castagna , Sasikumar Sivaraman , Lauren Hewings , Alex Wong
Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.
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公开(公告)号：US11645643B2
公开(公告)日：2023-05-09
申请号：US17037042
申请日：2020-09-29
Applicant: Bank of America Corporation
Inventor： Christopher Hope , James McMorrow , Sumita Desai , Shehreyar Jamshed , Ayeesha Sachedina , Anna Xu , Brandon Castagna , Sasikumar Sivaraman , Lauren Hewings , Alex Wong
CPC classification number: G06Q20/3229 , G06Q20/027 , G06Q20/4012 , G16Y20/40
Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.
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公开(公告)号：US20220414651A1
公开(公告)日：2022-12-29
申请号：US17896212
申请日：2022-08-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Martha Sain McClellan , Lee Ann Proud , Ayeesha Sachedina , Calvin William Tackett, Jr.
Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.
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Patent Agency Ranking
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.
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公开(公告)号：US20190034922A1
公开(公告)日：2019-01-31
申请号：US15659215
申请日：2017-07-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Martha Sain McClellan , Lee Ann Proud , Ayeesha Sachedina , Calvin William Tackett, JR.
Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.
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公开(公告)号：US11966914B2
公开(公告)日：2024-04-23
申请号：US17896212
申请日：2022-08-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Martha Sain McClellan , Lee Ann Proud , Ayeesha Sachedina , Calvin William Tackett, Jr.
CPC classification number: G06Q20/382 , G06F16/1815 , G06F16/182 , G06Q20/223 , G06Q20/3829 , G06Q20/389 , G06Q20/401 , G06Q40/02
Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.
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公开(公告)号：US11475438B2
公开(公告)日：2022-10-18
申请号：US16564781
申请日：2019-09-09
Applicant: Bank of America Corporation
Inventor： Joseph Benjamin Castinado , Charles Russell Kendall , Martha Sain McClellan , Lee Ann Proud , Ayeesha Sachedina , Calvin William Tackett, Jr.
Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.
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公开(公告)号：US20210110359A1
公开(公告)日：2021-04-15
申请号：US16601893
申请日：2019-10-15
Applicant: BANK OF AMERICA CORPORATION
Abstract: Embodiments of the present invention provide for the generation and management of a virtual resource account mechanism that supports a varied set of resource types and reduces the time, complexity, and cost associated with maintaining multiple resource accounts in different regions. The present invention is generally related to configuring one or more virtual resource accounts and, more specifically, providing for selection of resource amounts of different resource types prior to or in conjunction with initiation of a resource action. Conversion rate(s) used to determine the resource amount(s) is defined at the onset of the resource event, and a consistency of resource transfer activity is supported by a simplified virtual resource account structure with a singular user resource account identifier.
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