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    Account tokenization for virtual currency resources
    1.
    发明授权
    Account tokenization for virtual currency resources 有权

    公开(公告)号：US11087312B2

    公开(公告)日：2021-08-10

    申请号：US16568692

    申请日：2019-09-12

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： James Gregory Ronca ,  Gregory Joseph Lloyd ,  Tony England ,  Stephen Philip Selfridge

    IPC: G06Q20/36 ,  G06Q20/06

    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

    Account tokenization for virtual currency resources
    2.
    发明授权
    Account tokenization for virtual currency resources 有权

    公开(公告)号：US10607215B2

    公开(公告)日：2020-03-31

    申请号：US14871293

    申请日：2015-09-30

    Applicant: Bank of America Corporation

    Inventor： James Gregory Ronca ,  Gregory Joseph Lloyd ,  Tony England ,  Stephen Philip Selfridge

    IPC: G06Q20/36

    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

    SYSTEM FOR IMPLEMENTING A DISTRIBUTED LEDGER ACROSS MULTIPLE NETWORK NODES
    3.
    发明申请
    SYSTEM FOR IMPLEMENTING A DISTRIBUTED LEDGER ACROSS MULTIPLE NETWORK NODES 审中-公开

    公开(公告)号：US20170243212A1

    公开(公告)日：2017-08-24

    申请号：US15050294

    申请日：2016-02-22

    Applicant: Bank of America Corporation

    Inventor： Joseph Benjamin Castinado ,  James Gregory Ronca

    IPC: G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/401 ,  G06Q20/389 ,  G06Q2220/00 ,  H04L9/3236 ,  H04L2209/38 ,  H04L2209/56

    Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain distributed network for validation (i.e., authorization) of a payment transaction. The system receives a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; accesses a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and, using payment transaction logic, determines whether the transaction record represents a valid transaction by, e.g., communicate the transaction record to a validating node for validation of the transaction record. Once validated, the system (or validating node) communicates validation of the transaction record to the block chain distributed network, e.g., by updating the distributed ledger with information indicating validation of the transaction record and providing access to the distributed ledger to the network.

    System and Method for Wire Transfers Using Cryptocurrency
    5.
    发明申请
    System and Method for Wire Transfers Using Cryptocurrency 审中-公开
    使用Cryptocurrency的电汇的系统和方法

    公开(公告)号：US20150262173A1

    公开(公告)日：2015-09-17

    申请号：US14215473

    申请日：2014-03-17

    Applicant: Bank of America Corporation

    Inventor： Thomas Edward Durbin ,  James Gregory Ronca

    IPC: G06Q20/38

    CPC classification number: G06Q20/38215 ,  G06Q20/065 ,  G06Q20/381

    Abstract: A system includes a memory and a processor. The processor is coupled to the memory and causes the system to receive an electronic request for a fund transfer and initiate a debit of a first amount of a first currency from a customer account. In response to determining using cryptocurrency is optimal, the processor can transfer the first amount of the first currency into an account associated with a first cryptocurrency exchange and initiate the purchase of a first quantity of a cryptocurrency from the first cryptocurrency exchange. The processor can transfer the first quantity of the cryptocurrency to a second cryptocurrency exchange and initiate the sale of the first quantity of the cryptocurrency at the second cryptocurrency exchange. The processor is further able to initiate the transfer of at least a portion of the resulting currency to a recipient.

    Abstract translation: 系统包括存储器和处理器。 处理器耦合到存储器并且使得系统接收电子资金转账请求，并从客户帐户开始借记第一笔货币的第一笔金额。 响应于使用密码学的确定是最佳的，处理器可以将第一货币的第一数量转移到与第一密码交换交换相关联的帐户中，并且从第一密码学交换开始购买第一数量的加密货币。 处理器可以将第一数量的密码传送转移到第二密码学交换中，并且在第二密码学交换中发起销售第一数量的密码学量。 处理器还能够启动将所得到的货币的至少一部分的转移给接收者。

    Non-intrusive geo-location determination associated with transaction authorization
    6.
    发明授权
    Non-intrusive geo-location determination associated with transaction authorization 有权

    公开(公告)号：US10990971B2

    公开(公告)日：2021-04-27

    申请号：US16550832

    申请日：2019-08-26

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Gregory Joseph Lloyd ,  Lauren Marie Zavodny ,  Tony England ,  Stephen Philip Selfridge ,  James Gregory Ronca

    IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/32

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

    ELECTRONIC DOCUMENTS FOR PERSON TO PERSON PAYMENT
    9.
    发明申请
    ELECTRONIC DOCUMENTS FOR PERSON TO PERSON PAYMENT 审中-公开
    个人付款电子文件

    公开(公告)号：US20150134507A1

    公开(公告)日：2015-05-14

    申请号：US14078035

    申请日：2013-11-12

    Applicant: Bank of America Corporation

    Inventor： Jennifer M. Lucas ,  James Gregory Ronca ,  Jeffrey John Parker

    IPC: G06Q20/38

    CPC classification number: G06Q20/10 ,  G06Q20/223 ,  G06Q20/3223

    Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. Electronic document(s) may be communicated in conjunction with a payment and/or request for payment between financial institutions. For example, a sending financial institution may send a payment having a document or pointer to a document that provides an explanation of a payment or disbursement. The sender may send funds to a recipient along with a pointer or may simply send a pointer and upload a document that is stored at a location identified by the pointer. The document may be an invoice remittance, explanation of payment/reimbursement and/or explanation of benefits.

    Abstract translation: 系统，方法和计算机程序产品提供给用户使用移动设备发送和接收P2P支付。 通过使用移动设备，用户可以访问用户在金融机构处的帐户，并使用其他个人或实体别名直接向其他个人或实体付款。 电子文件可以与金融机构之间的付款和/或付款请求相联系。 例如，发送金融机构可以发送具有文档或指针的付款给提供付款或支付的解释的文档。 发送者可以与指针一起向收件人发送资金，或者可以简单地发送指针并上传存储在由指针标识的位置处的文档。 该文件可以是发票汇款，付款/报销说明和/或利益说明。

    ACCOUNT TOKENIZATION FOR VIRTUAL CURRENCY RESOURCES
    10.
    发明申请
    ACCOUNT TOKENIZATION FOR VIRTUAL CURRENCY RESOURCES 审中-公开

    公开(公告)号：US20200005280A1

    公开(公告)日：2020-01-02

    申请号：US16568692

    申请日：2019-09-12

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： James Gregory Ronca ,  Gregory Joseph Lloyd ,  Tony England ,  Stephen Philip Selfridge

    IPC: G06Q20/36

    Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

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