公开(公告)号：US12294612B2

公开(公告)日：2025-05-06

申请号：US18429681

申请日：2024-02-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20230199027A1

公开(公告)日：2023-06-22

申请号：US17553921

申请日：2021-12-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04L41/22 ,  H04L41/0866 ,  H04L41/0853

CPC classification number: H04L63/18 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/166 ,  H04L41/22 ,  H04L63/20 ,  H04L41/0866 ,  H04L41/0853

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20240171612A1

公开(公告)日：2024-05-23

申请号：US18429681

申请日：2024-02-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22

CPC classification number: H04L63/18 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/166 ,  H04L63/20

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20230269197A1

公开(公告)日：2023-08-24

申请号：US18114930

申请日：2023-02-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L47/80 ,  H04L41/50 ,  H04L12/14 ,  H04L41/5006

CPC classification number: H04L47/808 ,  H04L41/5096 ,  H04L12/14 ,  H04L41/5006

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20230198953A1

公开(公告)日：2023-06-22

申请号：US17553946

申请日：2021-12-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04W12/03 ,  H04W72/04 ,  H04W76/23 ,  H04W12/102 ,  H04W76/14 ,  H04W12/63 ,  G06Q20/32

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W72/048 ,  H04W76/23 ,  H04W12/102 ,  H04W76/14 ,  H04W12/63 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

公开(公告)号：US20230198871A1

公开(公告)日：2023-06-22

申请号：US17553446

申请日：2021-12-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa ,  Adam Frederick Perrigo ,  Lee Ann Proud ,  Kevin Graham Robberts ,  Christopher J. Smith ,  Ann Ta ,  Kathleen Hanko Trombley ,  Therese Humburg Willis

IPC: H04L43/067 ,  H04L43/0829 ,  H04L43/00 ,  H04L43/50 ,  H04W24/10

CPC classification number: H04L43/067 ,  H04L43/0829 ,  H04L43/14 ,  H04L43/50 ,  H04W24/10

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

公开(公告)号：US11627098B1

公开(公告)日：2023-04-11

申请号：US17571789

申请日：2022-01-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L47/80 ,  H04L41/50 ,  H04L12/14 ,  H04L41/5006

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US11956218B2

公开(公告)日：2024-04-09

申请号：US17553946

申请日：2021-12-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: G06F21/00 ,  H04L9/40 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/32

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

公开(公告)号：US11949715B2

公开(公告)日：2024-04-02

申请号：US17553921

申请日：2021-12-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22

CPC classification number: H04L63/18 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/166 ,  H04L63/20

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20240187383A1

公开(公告)日：2024-06-06

申请号：US18439723

申请日：2024-02-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  G06Q20/32 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to: receive from a first user input device a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine that the first communication channel does not meet one or more preset channel requirements for secure communication; receive information regarding one or more user input devices associated with one or more communication channels; determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements; and trigger the second user input device to establish a communication link with the first user input device to form an alternate communication channel with the first user input device.