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公开(公告)号：US20220230149A1
公开(公告)日：2022-07-21
申请号：US17153399
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (TOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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2.发明公开公开(公告)号：US20230164187A1
公开(公告)日：2023-05-25
申请号：US17532067
申请日：2021-11-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin duPont , William Anderson Hodges
CPC classification number: H04L63/18 , H04L63/0876 , H04W12/63 , H04L63/0861 , H04L63/105 , H04L63/0853 , H04L2463/082
Abstract: Systems, computer program products, and methods are described herein for multifactor authentication system that determines co-connected device presence for added security. The system utilizes a device fingerprint for each device. The device fingerprint may contain a library of interconnected devices, as well as ambient noise from the device. The device fingerprint will be used to determine confidence levels indicating whether the devices are in the same location and thus in operation by the same user during multifactor authentication.
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公开(公告)号：US20220230155A1
公开(公告)日：2022-07-21
申请号：US17153564
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (TOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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4.发明公开公开(公告)号：US20230186260A1
公开(公告)日：2023-06-15
申请号：US18107170
申请日：2023-02-08
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
IPC: G06Q20/10 , G06N20/10 , G06Q20/42 , G06Q20/22 , G06F18/2411
CPC classification number: G06Q20/108 , G06N20/10 , G06Q20/425 , G06Q20/227 , G06F18/2411
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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公开(公告)号：US20230161625A1
公开(公告)日：2023-05-25
申请号：US17534946
申请日：2021-11-24
Applicant: BANK OF AMERICA CORPORATION
IPC: G06F9/50
CPC classification number: G06F9/5027
Abstract: Embodiments of the present invention provide a system for generating and maintaining tiered dynamic pre-authorization tables for automatic completion of resource transfers. The system is configured for determining that a first user received a request for a resource transfer from a second user, wherein the request comprises information associated with the resource transfer embedded within the request, identifying an alias associated with the second user from the information embedded within the request, performing a search for the alias in the one or more tiered dynamic pre-authorization tables associated with the first user, determining that the request meets one or more conditions set for the alias in the one or more tiered dynamic pre-authorization tables, and automatically completing the request for the resource transfer by transferring resources from a resource pool of a first user to a resource pool of the second user.
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Patent Agency Ranking
公开(公告)号：US20220230236A1
公开(公告)日：2022-07-21
申请号：US17153498
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Heather Roseann Dolan , Justin duPont , Robertson Walters Greenbacker
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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7.发明公开公开(公告)号：US20240283824A1
公开(公告)日：2024-08-22
申请号：US18649766
申请日：2024-04-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin duPont , William Anderson Hodges
CPC classification number: H04L63/18 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/105 , H04W12/63 , H04L2463/082
Abstract: Systems, computer program products, and methods are described herein for multifactor authentication system that determines co-connected device presence for added security. The system utilizes a device fingerprint for each device. The device fingerprint may contain a library of interconnected devices, as well as ambient noise from the device. The device fingerprint will be used to determine confidence levels indicating whether the devices are in the same location and thus in operation by the same user during multifactor authentication.
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公开(公告)号：US12015643B2
公开(公告)日：2024-06-18
申请号：US17532067
申请日：2021-11-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin duPont , William Anderson Hodges
CPC classification number: H04L63/18 , H04L63/0853 , H04L63/0861 , H04L63/0876 , H04L63/105 , H04W12/63 , H04L2463/082
Abstract: Systems, computer program products, and methods are described herein for multifactor authentication system that determines co-connected device presence for added security. The system utilizes a device fingerprint for each device. The device fingerprint may contain a library of interconnected devices, as well as ambient noise from the device. The device fingerprint will be used to determine confidence levels indicating whether the devices are in the same location and thus in operation by the same user during multifactor authentication.
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公开(公告)号：US11631067B2
公开(公告)日：2023-04-18
申请号：US17153399
申请日：2021-01-20
Applicant: Bank of America Corporation
Inventor： Robertson Walters Greenbacker , Heather Roseann Dolan , Justin duPont
Abstract: Aspects of the disclosure relate to artificial intelligence (AI)-based processing of account transfers between different accounts associated with a client. In particular, various aspects of this disclosure relate to triggering transfers based on data associated with electronic transfers (e.g., between accounts associated with different users) and/or information associated with card-based transactions. Additional aspects of the disclosure relate to using internet of things (IOT) modules to determine predicted consumption associated with utilities, and at least triggering account transfers based on the predicted consumption.
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10.发明申请公开(公告)号：US20220374266A1
公开(公告)日：2022-11-24
申请号：US17329052
申请日：2021-05-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Kashif M. Siddiqui , Ryan Elizabeth Barlow , Richard C. Clow, II , Justin duPont , Emily Elizabeth Pansa , Kristin Hodge Wallace
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic event-based integration of resources and temporal resource processing. The invention is structured for dynamic integration of resources and resource processing based on events. Embodiments of invention may be configured for determining technology activity systems associated with a user, analyzing resources data on a user's device, determining temporal action triggers, transmitting temporal action triggers, modifying user activity programs, and conducting modified user activity programs. The invention may also be configured for determining a user's geographical location, and predict the effect of geographical location and other parameters on the resource level of the user.
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