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公开(公告)号：US20220309498A1
公开(公告)日：2022-09-29
申请号：US17210794
申请日：2021-03-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Malathi Jivan , Kathleen Miranda Brand , Michael Donohue , Justin Riley duPont , Christina Ann Lillie , Jay Derek Prokupek , Yash Sharma
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.
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公开(公告)号：US11314848B2
公开(公告)日：2022-04-26
申请号：US16557497
申请日：2019-08-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.
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公开(公告)号：US20210119937A1
公开(公告)日：2021-04-22
申请号：US16656013
申请日：2019-10-17
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Heather Roseann Dolan , Justin Riley duPont , Malathi Jivan
IPC: H04L12/911 , H04L12/927 , H04L12/917
Abstract: Embodiments of the present invention provide a system for consolidating and processing multiple resource requests. The system is configured for receiving at least two resource requests from a first user, identifying that the at least two resource requests are associated with a second user, consolidating the at least two resource requests, and processing the consolidated at least two resource requests.
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公开(公告)号：US20210067460A1
公开(公告)日：2021-03-04
申请号：US16557497
申请日：2019-08-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Ann Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
IPC: H04L12/927 , H04L12/911 , H04L29/08
Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.
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公开(公告)号：US11374976B2
公开(公告)日：2022-06-28
申请号：US16653199
申请日：2019-10-15
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.
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Patent Agency Ranking
公开(公告)号：US11606697B2
公开(公告)日：2023-03-14
申请号：US16983806
申请日：2020-08-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：US20220038891A1
公开(公告)日：2022-02-03
申请号：US16983806
申请日：2020-08-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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公开(公告)号：US20210256489A1
公开(公告)日：2021-08-19
申请号：US16794457
申请日：2020-02-19
Applicant: Bank of America Corporation
Inventor： Malathi Jivan , Poppy Marie Kimball , Thomas Elliott , Audrey L. Longfellow , Heather Roseann Dolan , Christina Ann Lillie , Justin Riley duPont
Abstract: A system for automated resource transfers based on predictive electronic data analysis is provided. In particular, the system may continuously track data (e.g., as historical data) that may be sent between two entities, where the data may include resource transfer data. Based on the parameters of the resource transfer data, the system may identify a pattern within the historical data in order to set up a recurring resource transfer based on the identified pattern. In this way, the system may increase the efficiency of resource transfers executed across entities.
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9.发明申请公开(公告)号：US20210174369A1
公开(公告)日：2021-06-10
申请号：US16704855
申请日：2019-12-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christina A. Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for linked resource interactions utilizing enhanced peer-to-peer applications. In particular, the system may continuously collect resource transfer data associated with a user or resource actions conducted using a peer-to-peer payment application, and may assign a unique transaction token identifier to a specific resource action to later identify, reverse, alter, or cancel the specific resource action. In this way, the system may provide an efficient and streamlined way to execute resource actions such as refunds using a single transaction identifier, and enhance the security and integrity of peer-to-peer payment networks by ensuring resource transfers are routed to the appropriate resource accounts.
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公开(公告)号：US11722904B2
公开(公告)日：2023-08-08
申请号：US18085036
申请日：2022-12-20
Applicant: BANK OF AMERICA CORPORATION
Inventor： Justin Riley duPont , Heather Roseann Dolan , Michael Donohue , Tony England , Lindsay Higgins , Malathi Jivan , Christina Ann Lillie
CPC classification number: H04W12/68 , G06T19/006 , G06V40/20 , H04W12/068
Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.
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