公开(公告)号：US11978296B2

公开(公告)日：2024-05-07

申请号：US17317778

申请日：2021-05-11

Applicant: Bank of America Corporation

Inventor： Paul Martin Mattison, Sr. ,  Matthew E. Williams ,  Carl Parziale ,  Pavan Singaraju ,  Anne Price ,  David Smiddy ,  Brandon Kozlowski ,  Jennifer Raley

IPC: G07D11/34 ,  G06N20/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G07D7/00 ,  G07D11/23 ,  G07D11/245 ,  G07D11/32 ,  G07D11/36 ,  G07D11/60 ,  G07F19/00

CPC classification number: G07D11/34 ,  G06N20/00 ,  G06Q20/102 ,  G06Q20/1085 ,  G06Q20/206 ,  G06Q20/3223 ,  G06Q20/3276 ,  G06Q20/4014 ,  G07D7/00 ,  G07D11/23 ,  G07D11/245 ,  G07D11/32 ,  G07D11/36 ,  G07D11/60 ,  G07F19/203

Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.

公开(公告)号：US11893587B2

公开(公告)日：2024-02-06

申请号：US17547997

申请日：2021-12-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  Carl Parziale ,  David Smiddy ,  Harold Joseph Kennedy

IPC: G06Q20/40 ,  G06Q20/02 ,  G06Q20/38 ,  H04L9/40

CPC classification number: G06Q20/4016 ,  G06Q20/02 ,  G06Q20/389

Abstract: Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.

公开(公告)号：US20230230458A1

公开(公告)日：2023-07-20

申请号：US17579734

申请日：2022-01-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Paul Martin Mattison ,  Charles Hector Gruesbeck, II ,  Martha Sain McClellan ,  David Smiddy

IPC: G07F19/00

CPC classification number: G07F19/202 ,  G07F19/203 ,  G07F19/206 ,  G07F19/211 ,  G07F19/208

Abstract: Consolidated resource event processing at an automated electronic apparatus. A user having a resource depository that is associated with an entity other than the entity controlling the automated electronic apparatus is able to conduct certain resource events at the apparatus, e.g., inputting tangible resources at the automated electronic apparatus, initiating a resource event with a second user at the automated electronic apparatus using the tangible resources, and receiving tangible resources at the automated electronic apparatus. Computer-readable indicia is displayed on or proximate to the automated electronic apparatus which is captured and read by a mobile communication device, in possession of a user, to (i) identify the automated electronic apparatus, (ii) link the automated electronic apparatus to a resource depository held by the user at an entity different than the entity controlling the automated electronic apparatus and (iii) trigger the automated electronic apparatus to receive an input of tangible resources by the user.

公开(公告)号：US20230169189A1

公开(公告)日：2023-06-01

申请号：US18096512

申请日：2023-01-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mousumi Chatterjee ,  Shyam Acharya ,  James Alexander ,  David Smiddy ,  Devi Kumar

IPC: G06F21/60 ,  G06F9/54 ,  H04L67/02 ,  G06F16/22 ,  G06F11/30

CPC classification number: G06F21/602 ,  G06F9/547 ,  G06F11/3006 ,  G06F16/2282 ,  H04L67/02

Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.

公开(公告)号：US20220058906A1

公开(公告)日：2022-02-24

申请号：US16999973

申请日：2020-08-21

Applicant: BANK OF AMERICA CORPORATION

Inventor： Srinivas Dundigalla ,  Mohan Rao Balan ,  Pavan Kumar Chayanam ,  Varsha Devadas ,  Tony England ,  Hari Gopalkrishnan ,  Brandon Kozlowski ,  Kurt A. Loth ,  Navdeep Mahajan ,  Carl Parziale ,  Rupal V. Shah ,  Manoj Shankar ,  David Smiddy ,  Cory Scott Turco ,  Robert L. Wright, JR. ,  Xianhong Zhang ,  Pavan Singaraju

IPC: G07D11/60 ,  H04W4/80 ,  H04L29/08 ,  H04W12/06 ,  G06Q30/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/22 ,  G06K7/10 ,  G07D11/22

Abstract: Contactless dispensing of objects from object-dispensing machines. A digital token is wirelessly communicated to the machine via short-range wireless communication, such as Near Field Communication (NFC) or the like. In response, a push notification is communicated to the user's wireless device, which includes an activatable link for launching a mobile application. In response to launching the mobile application and authenticating the user, the mobile application provides object-dispensing machine-like user interfaces that are configured to allow the user to input object requesting parameters and submit a request for objects to be dispensed from the object-dispensing machine. The request is communicated to the object-dispensing machines (or corresponding backend processing systems) and, once the request is verified, the object-dispensing machine dispenses the requested objects.

公开(公告)号：US20210382998A1

公开(公告)日：2021-12-09

申请号：US16891933

申请日：2020-06-03

Applicant: Bank of America Corporation

Inventor： Mousumi Chatterjee ,  Shyam Acharya ,  James Alexander ,  David Smiddy ,  Devi Kumar

IPC: G06F21/60 ,  G06F9/54 ,  G06F11/30 ,  G06F16/22 ,  H04L29/08

Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.

公开(公告)号：US20240414010A1

公开(公告)日：2024-12-12

申请号：US18812142

申请日：2024-08-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  David Smiddy

IPC: H04L9/32 ,  H04L9/08 ,  H04L9/40

Abstract: A system is provided for authenticating peer-to-peer resource exchanges using non-fungible tokens. In particular, the system may store, on a distributed register, a secure token (e.g., a non-fungible token) associated with a particular resource. Subsequently, a user who may be the owner of such resource and/or the associated token may wish to execute a peer-to-peer exchange of the resource for a second resource. The system may, in response to receiving the second resource from a second user, initiate a process to transfer ownership of the secure token to the second user. In this way, the system provides an efficient and secure way to conduct peer-to-peer resource exchanges.

公开(公告)号：US11899802B2

公开(公告)日：2024-02-13

申请号：US18096507

申请日：2023-01-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mousumi Chatterjee ,  Shyam Acharya ,  James Alexander ,  David Smiddy ,  Devi Kumar

IPC: G06F21/60 ,  G06F9/54 ,  H04L67/02 ,  G06F16/22 ,  G06F11/30

CPC classification number: G06F21/602 ,  G06F9/547 ,  G06F11/3006 ,  G06F16/2282 ,  H04L67/02

Abstract: A system for monitoring networked computing devices with integrated electronic data encryption and decryption mechanism is provided. In particular, the system may comprise one or more host applications which may interact with an API layer to transmit encrypted host-related data through a secure data rails to a consolidated data repository. One or more downstream monitoring applications may retrieve and decrypt the host-related data from the consolidated data repository for analysis. In this way, the system may provide a secure, scalable way to monitor host computing systems and flow of sensitive electronic data.

公开(公告)号：US20240005427A1

公开(公告)日：2024-01-04

申请号：US17853257

申请日：2022-06-29

Applicant: Bank of America Corporation

Inventor： Michael Betsko ,  Ryan S. Heller ,  Vince Holt ,  Igor Derensteyn ,  Murali Chowdarapu ,  Saurabh Khanna ,  David Smiddy ,  Sreelatha Sankararaman

IPC: G06Q50/18 ,  G06F9/54 ,  H04N1/00 ,  G06F40/186

CPC classification number: G06Q50/18 ,  G06F9/547 ,  H04N1/00095 ,  G06F40/186

Abstract: An orchestrated services layer system for a multi-tier architecture is provided. The system may include an electronic signature application programming interface (API) and an electronic signature framework. The API may receive a request for electronic signature relating to a specific transaction. The request may include an identi-authenti object that authenticates and identifies a customer, customer identification data and transaction data. The API may retrieve a template associated with the transaction data. The API may transfer the request, or a portion of the request and the template to a framework. The framework may prepare a document-to-sign by adding personalized customer information to the document, selecting a type of electronic signature and adding signature tags to the document. The framework may return the ready-to-sign document to the API. The API may forward, for signature, the ready-to-sign document to a channel associated with the customer.

公开(公告)号：US11790735B2

公开(公告)日：2023-10-17

申请号：US17398447

申请日：2021-08-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Carl Parziale ,  James Alexander ,  Elizabeth Anne Price ,  David Smiddy

IPC: G07F19/00 ,  H04L9/40 ,  G06F21/31

CPC classification number: G07F19/203 ,  G06F21/31 ,  H04L63/0272 ,  H04L63/108 ,  G06F2221/2111

Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions remotely via an automated machine and one or more auxiliary devices on the same local network. In particular, the system may assign exclusive control over an automated device and one or more auxiliary devices to a primary user via a computing device connected to the same local network or virtual private network as the automated machine, and may allow the primary user to communicate via the automated machine with a secondary user who wishes to complete one or more resource interactions.