公开(公告)号：US20230281048A1

公开(公告)日：2023-09-07

申请号：US17684167

申请日：2022-03-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Jill Marie Moser

IPC: G06F9/50 ,  G06F3/06

CPC classification number: G06F9/5033 ,  G06F3/0604 ,  G06F3/0638 ,  G06F3/0673

Abstract: Reverse linkage of auxiliary resources to both a resource-receiving entity and a resource storage location associated with a resource-providing entity. The reverse nature of the linkage is realized, in that, the linkage occurs in response to one or more resource events occurring between the resource-providing entity and the resource-receiving entity. As a result of the linkage, the present invention provides for the auxiliary resources to be automatically applied to an incurring subsequent, typically next-in-time, resource event conducted between the resource-providing entity and the resource-receiving entity using the linked resource storage location.

公开(公告)号：US20240048504A1

公开(公告)日：2024-02-08

申请号：US18381093

申请日：2023-10-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mark Cabot Williams ,  Matthew Robert Gray Pitner ,  Jill Marie Moser

IPC: H04L47/78

CPC classification number: H04L47/78

Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.

公开(公告)号：US20220067757A1

公开(公告)日：2022-03-03

申请号：US17002014

申请日：2020-08-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Victoria L. Dravneek ,  Brandy Lachole Brown ,  Karen Lea MacQueen ,  Jill Marie Moser ,  Matthew Murphy ,  Matthew Robert Gray Pitner

IPC: G06Q30/02 ,  G06Q10/06 ,  G06N5/02

Abstract: Systems, computer program products, and methods are described herein for determination of resource usage demand. The present invention may be configured to receive, from a user device, a potential resource allocation offer comprising attributes. The present invention may be further configured to determine, based on historical data associated with previous resource allocation offers, a potential resource usage demand associated with the potential resource allocation offer. The present invention may be further configured to provide, to the user device, the potential resource usage demand. For example, the present invention may be configured to cause the user device to display a graphical user interface including the attributes of the potential resource allocation offer and the potential resource usage demand.

公开(公告)号：US11107112B1

公开(公告)日：2021-08-31

申请号：US17002090

申请日：2020-08-25

Applicant: Bank of America Corporation

Inventor： Victoria L. Dravneek ,  Jill Marie Moser ,  Matthew Murphy ,  Matthew Robert Gray Pitner ,  Karen Lea MacQueen ,  Brandy Lachole Brown

IPC: G06Q30/02 ,  G06Q30/06 ,  G06F17/15

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for resource correlation based on resource usage. The system first determines a quantity of graphical prompts capable of being displayed within the area of a display. The system determines, based on the quantity of graphical prompts, a quantity of resource allocation offers. The system generates a quantity of graphical prompts based on the quantity of resource allocation offers.

公开(公告)号：US11811675B2

公开(公告)日：2023-11-07

申请号：US17582399

申请日：2022-01-24

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mark Cabot Williams ,  Matthew Robert Gray Pitner ,  Jill Marie Moser

IPC: G06Q30/0251 ,  H04L47/78

CPC classification number: H04L47/78

Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.

公开(公告)号：US20230291718A1

公开(公告)日：2023-09-14

申请号：US17690638

申请日：2022-03-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Karen Lea MacQueen ,  Jill Marie Moser ,  Kimberly C. Turner

IPC: H04L9/40 ,  H04L67/1097

CPC classification number: H04L63/0421 ,  H04L63/102 ,  H04L63/20 ,  H04L67/1097

Abstract: Embodiments of the present invention provide a centralized for allowing communication and transmission of data between entities and third party entities to securely provide requisitions to users. The system is configured for receiving a requisition request from an entity system, wherein the requisition request is associated with a user, in response to receiving the requisition request, performing one or more data transformations to transform at least a part of data associated with the requisition request, transmitting transformed data associated with the requisition request to an intermediary system, transmitting one or more control signals to the intermediary system to cause the intermediary system to transmit the transformed data associated with the requisition request to one or more third party entities, and determining that the intermediary system received one or more requisitions from the one or more third party entities.

公开(公告)号：US20220070110A1

公开(公告)日：2022-03-03

申请号：US17002012

申请日：2020-08-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Victoria L. Dravneek ,  Brandy Lachole Brown ,  Karen Lea MacQueen ,  Jill Marie Moser ,  Matthew Murphy ,  Matthew Robert Gray Pitner

IPC: H04L12/911 ,  G06F9/50

Abstract: Systems, computer program products, and methods are described herein for resource allocation based on user selection. The present invention may be configured to provide one or more resource allocation offers to a user device associated with a user and receive, from the user device, an acceptance of a first resource allocation offer of the one or more resource allocation offers. The present invention may be configured to adjust, based on the acceptance of the first resource allocation offer, a second resource allocation offer from an initial amount of resources to an adjusted amount of resources, where the adjusted amount of resources is greater than the initial amount of resources. The present invention may be configured to provide the second resource allocation offer to the user device.

公开(公告)号：US20220067676A1

公开(公告)日：2022-03-03

申请号：US17002093

申请日：2020-08-25

Applicant: Bank of America Corporation

Inventor： Victoria L. Dravneek ,  Jill Marie Moser ,  Matthew Murphy ,  Matthew Robert Gray Pitner ,  Karen Lea MacQueen ,  Brandy Lachole Brown

IPC: G06Q20/06 ,  G06Q20/36 ,  G06Q20/32

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for resource presentment and allocation based on historical data usage. The system first receives a resource allocation offer associated with a resource distribution transaction. The system determines, based on historical resource distribution data stored within a memory resource, a user of a plurality of users that would utilize the resource allocation offer. The system transmits, to a user device associated with the user, a communication that indicates the resource allocation offer.

公开(公告)号：US12231350B2

公开(公告)日：2025-02-18

申请号：US18381093

申请日：2023-10-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mark Cabot Williams ,  Matthew Robert Gray Pitner ,  Jill Marie Moser

IPC: G06F11/30 ,  H04L47/78 ,  H04W72/04

Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.

公开(公告)号：US20230239251A1

公开(公告)日：2023-07-27

申请号：US17582399

申请日：2022-01-24

Applicant: BANK OF AMERICA CORPORATION

Inventor： Mark Cabot Williams ,  Matthew Robert Gray Pitner ,  Jill Marie Moser

IPC: H04L47/78

CPC classification number: H04L47/78

Abstract: Systems, computer program products, and methods are described herein for triggering adaptive resource channel requisition within a distributed network. The present invention is configured to electronically receive, from a user input device, a resource allocation request from a user; retrieve, from the resource allocation request, information associated with the user; trigger an adaptive resource channel requisition (ARCR) engine on the request based on at least the information associated with the user; retrieve, from the resource allocation request one or more preset value associated with resource allocation request; retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user; implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and authorize the resource allocation request for the one or more requisitioned values.