公开(公告)号：US20210133718A1

公开(公告)日：2021-05-06

申请号：US16673402

申请日：2019-11-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Daniel James Doherty ,  Riaz H. Bhamani ,  Matthew Edward Carroll

IPC: G06Q20/20 ,  G06Q20/40

Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.

公开(公告)号：US11575536B2

公开(公告)日：2023-02-07

申请号：US17350923

申请日：2021-06-17

Applicant: Bank of America Corporation

Inventor： Matthew Edward Carroll

IPC: H04L12/28

Abstract: An apparatus for determining individual consumption for a plurality of users through computer network monitoring. The apparatus comprises a memory and a processor. The processor is configured to receive data from one or more smart devices associated with a first user and a second user through data streaming between the one or more smart devices and a server. The processor is further configured to determine that a first home associated with the first user and a second home associated with a second user are located within a distance threshold from each other based, at least in part, on geolocation information. The processor is further configured to determine that the first user and the second user are comparable peers. The processor is further configured to determine that an individual consumption of one of the comparable peers is greater than an average total consumption and to transmit an alert.

公开(公告)号：US20210133703A1

公开(公告)日：2021-05-06

申请号：US16673392

申请日：2019-11-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Daniel James Doherty ,  Riaz H. Bhamani ,  Matthew Edward Carroll

IPC: G06Q20/08 ,  G06Q30/06 ,  G06K7/14

Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.

公开(公告)号：US20220407737A1

公开(公告)日：2022-12-22

申请号：US17350923

申请日：2021-06-17

Applicant: Bank of America Corporation

Inventor： Matthew Edward Carroll

IPC: H04L12/28

Abstract: An apparatus for determining individual consumption for a plurality of users through computer network monitoring. The apparatus comprises a memory and a processor. The processor is configured to receive data from one or more smart devices associated with a first user and a second user through data streaming between the one or more smart devices and a server. The processor is further configured to determine that a first home associated with the first user and a second home associated with a second user are located within a distance threshold from each other based, at least in part, on geolocation information. The processor is further configured to determine that the first user and the second user are comparable peers. The processor is further configured to determine that an individual consumption of one of the comparable peers is greater than an average total consumption and to transmit an alert.

公开(公告)号：US11348084B2

公开(公告)日：2022-05-31

申请号：US16673402

申请日：2019-11-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Daniel James Doherty ,  Riaz H. Bhamani ,  Matthew Edward Carroll

IPC: G06Q20/20 ,  G06Q20/40

Abstract: A direct interaction network in which resources are more efficiently transferred between entities having resource pools with the same organization. The interaction network may be implemented by transforming a user computer system into the interaction terminal for the interaction such that the provider entity does not require interaction terminals to enter into interactions. Alternatively, the interaction network may be entered through interaction terminals of the provider entity without the user having a user computer system and without the user providing a physical instrument for the interaction. These implementations may be possible due at least in part to being able to determine that the entity resource pools are administered by the same organization. Furthermore, one or more sensors may be utilized with the user computer system and/or interaction terminals in order to determine the presence or identity of a user, and/or the subject of the interaction.