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    SYSTEM FOR RECURRING AUXILIARY RESOURCE DISTRIBUTION
    1.
    发明申请
    SYSTEM FOR RECURRING AUXILIARY RESOURCE DISTRIBUTION 有权

    公开(公告)号：US20220020046A1

    公开(公告)日：2022-01-20

    申请号：US16933280

    申请日：2020-07-20

    Applicant: Bank of America Corporation

    Inventor： Charles Jason Burrell ,  Justin Riley duPont ,  Michael Robert Hasslinger ,  John Allen Sellers ,  Tony England ,  Christina Ann Lillie

    IPC: G06Q30/02 ,  G06Q20/36 ,  G06Q20/10

    Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

    AUXILIARY RESOURCE EXCHANGE PLATFORM FOR POOLING RESOURCES USING A REAL TIME EXCHANGE NETWORK
    2.
    发明申请
    AUXILIARY RESOURCE EXCHANGE PLATFORM FOR POOLING RESOURCES USING A REAL TIME EXCHANGE NETWORK 有权

    公开(公告)号：US20220019484A1

    公开(公告)日：2022-01-20

    申请号：US16933685

    申请日：2020-07-20

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Justin Riley duPont ,  Charles Jason Burrell ,  Tony England ,  Michael Robert Hasslinger ,  Christina Ann Lillie ,  John Allen Sellers

    IPC: G06F9/50 ,  H04L29/08

    Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The real-time interaction processing further allows for the creation and use of a collective resource pool to which multiple entities are allowed to contribute resources and/or supplemental resources. Each of the entities contributing resources or supplemental resources to the collective resource pool have transparency into the entities contributing to the collective resource pool, the supplemental resources and/or other resources contributed, and confirmation that the actual interaction for which the collective resource pool is being utilized was completed.

    Shutting down access to all user accounts
    4.
    发明授权
    Shutting down access to all user accounts 有权
    关闭对所有用户帐户的访问

    公开(公告)号：US09413747B2

    公开(公告)日：2016-08-09

    申请号：US15047269

    申请日：2016-02-18

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Hood Qaim-Maqami ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Joseph Neil Johansen ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Michael Patrick Lynch

    IPC: H04L29/06 ,  G06Q40/02

    CPC classification number: H04L63/08 ,  G06F21/31 ,  G06Q20/108 ,  G06Q20/3226 ,  G06Q20/382 ,  G06Q20/405 ,  G06Q40/02 ,  H04L63/10

    Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).

    Abstract translation: 公开了一种系统和相关联的方法或者通过一个或多个帐户访问信道来限制对用户帐户的访问。 系统通常包括存储在存储器中的处理器，存储器和访问限制模块。 该模块通常被配置为：将与用户帐户相关联的一个或多个帐户访问通道与访问限​​制过程集成; 接收来自用户的请求以实现访问限制过程; 基于接收到来自用户实施访问限制过程的请求，实现访问限制过程，其中实现访问限制过程包括通过帐户访问频道限制对用户帐户的访问。

    User authentication based on self-selected preferences
    5.
    发明授权
    User authentication based on self-selected preferences 有权
    基于自选择偏好的用户认证

    公开(公告)号：US09391990B2

    公开(公告)日：2016-07-12

    申请号：US15047336

    申请日：2016-02-18

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Joseph Neil Johansen ,  Carrie Anne Hanson ,  Charles Jason Burrell ,  Elizabeth S. Votaw

    IPC: G06F7/04 ,  G06F15/16 ,  G06F17/30 ,  H04L29/08 ,  H04L29/06

    CPC classification number: H04L63/08 ,  G06F21/31 ,  H04L63/0876 ,  H04L63/10

    Abstract: Embodiments of the invention are directed to a system, method, and a computer program product for a user authentication based on self-selected preferences. The system typically including a memory, a processor, and a module configured to receive a request to execute a user action from a user associated with an application, wherein the user action requires one or more authentication credentials; receive one or more authentication credentials from the user based on a user-selected preference; validate the one or more authentication credentials based on the user-selected preference; and execute the user action based on a successful validation of the one or more authentication credentials.

    Abstract translation: 本发明的实施例涉及一种用于基于自选择的偏好的用户认证的系统，方法和计算机程序产品。 该系统通常包括存储器，处理器和被配置为从与应用相关联的用户接收执行用户动作的请求的模块，其中用户动作需要一个或多个认证证书; 基于用户选择的优先级从用户接收一个或多个认证凭证; 基于用户选择的优先级验证一个或多个认证凭证; 并且基于一个或多个认证凭证的成功验证来执行用户动作。

    SHUTTING DOWN ACCESS TO ALL USER ACCOUNTS
    7.
    发明申请
    SHUTTING DOWN ACCESS TO ALL USER ACCOUNTS 有权
    切断所有用户帐户的访问

    公开(公告)号：US20150229622A1

    公开(公告)日：2015-08-13

    申请号：US14175136

    申请日：2014-02-07

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： David M. Grigg ,  Hood Qaim-Maqami ,  Alicia C. Jones ,  Elizabeth S. Votaw ,  Joseph Neil Johansen ,  Charles Jason Burrell ,  Carrie Anne Hanson ,  Michael Patrick Lynch

    IPC: H04L29/06

    CPC classification number: H04L63/08 ,  G06F21/31 ,  G06Q20/108 ,  G06Q20/3226 ,  G06Q20/382 ,  G06Q20/405 ,  G06Q40/02 ,  H04L63/10

    Abstract: Disclosed is a system and associated method or restricting access to a user's account via one or more account access channels. The system typically includes a processor, a memory, and an access restriction module stored in the memory. The module is typically configured for: integrating one or more account access channels associated with the user's account with an access restriction procedure; receiving a request from the user to implement the access restriction procedure; based on receiving the request from the user to implement the access restriction procedure, implementing the access restriction procedure, wherein implementing the access restriction procedure comprises restricting access to the user's account via the account access channel(s).

    Abstract translation: 公开了一种系统和相关联的方法或者通过一个或多个帐户访问信道来限制对用户帐户的访问。 系统通常包括存储在存储器中的处理器，存储器和访问限制模块。 该模块通常被配置为：将与用户帐户相关联的一个或多个帐户访问通道与访问限​​制过程集成; 接收来自用户的请求以实现访问限制过程; 基于接收到来自用户实施访问限制过程的请求，实现访问限制过程，其中实现访问限制过程包括通过帐户访问频道限制对用户帐户的访问。

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