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公开(公告)号：US20220150878A1
公开(公告)日：2022-05-12
申请号：US17580957
申请日：2022-01-21
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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公开(公告)号：US11234235B2
公开(公告)日：2022-01-25
申请号：US16399874
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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公开(公告)号：US20210133718A1
公开(公告)日：2021-05-06
申请号：US16673402
申请日：2019-11-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Daniel James Doherty , Riaz H. Bhamani , Matthew Edward Carroll
Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.
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公开(公告)号：US10998937B2
公开(公告)日：2021-05-04
申请号：US16399709
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.
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公开(公告)号：US20200351262A1
公开(公告)日：2020-11-05
申请号：US16399877
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.
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Patent Agency Ranking
公开(公告)号：US11196737B2
公开(公告)日：2021-12-07
申请号：US16399877
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.
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公开(公告)号：US20210133703A1
公开(公告)日：2021-05-06
申请号：US16673392
申请日：2019-11-04
Applicant: BANK OF AMERICA CORPORATION
Inventor： Daniel James Doherty , Riaz H. Bhamani , Matthew Edward Carroll
Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.
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公开(公告)号：US10979306B2
公开(公告)日：2021-04-13
申请号：US16434604
申请日：2019-06-07
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend thresholds, and other templates that allow for customization.
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公开(公告)号：US20200351852A1
公开(公告)日：2020-11-05
申请号：US16399874
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.
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公开(公告)号：US20200350955A1
公开(公告)日：2020-11-05
申请号：US16399709
申请日：2019-04-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.
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