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

IPC: G06F9/50 ,  G06F9/54

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.

公开(公告)号：US11354634B2

公开(公告)日：2022-06-07

申请号：US16732497

申请日：2020-01-02

Applicant: Bank of America Corporation

Inventor： Tony England ,  Steven Michael Twombly ,  Kristin Hodge Wallace

IPC: G06Q20/10 ,  G06Q20/12 ,  H04L47/783 ,  G06Q20/38

Abstract: Systems, computer program products, and methods are described herein for layered digital resource distribution in an electronic network environment. The present invention is configured to electronically receive computing instructions from a computing device associated with a first entity comprising a first request to execute a resource transfer with a second entity; determine a primary digital resource associated with the first entity; generate a first digital resource specifically to execute the resource transfer with the second entity, wherein the first digital resource is associated with the primary digital resource, wherein the first digital resource is electronically linked to the primary digital resource; initiate the execution of the first request of the resource transfer with the second entity using the first digital resource; and store the first digital resource in a digital repository associated with the primary digital resource.

公开(公告)号：US20210209570A1

公开(公告)日：2021-07-08

申请号：US16732497

申请日：2020-01-02

Applicant: Bank of America Corporation

Inventor： Tony England ,  Steven Michael Twombly ,  Kristin Hodge Wallace

IPC: G06Q20/12 ,  G06Q20/10 ,  G06Q20/38 ,  H04L12/911

Abstract: Systems, computer program products, and methods are described herein for layered digital resource distribution in an electronic network environment. The present invention is configured to electronically receive computing instructions from a computing device associated with a first entity comprising a first request to execute a resource transfer with a second entity; determine a primary digital resource associated with the first entity; generate a first digital resource specifically to execute the resource transfer with the second entity, wherein the first digital resource is associated with the primary digital resource, wherein the first digital resource is electronically linked to the primary digital resource; initiate the execution of the first request of the resource transfer with the second entity using the first digital resource; and store the first digital resource in a digital repository associated with the primary digital resource.