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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：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：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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5.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：US11233706B2
公开(公告)日：2022-01-25
申请号：US16866895
申请日：2020-05-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christopher Nicholas King , Poppy Marie Kimball , Christopher Thomas Kopechessi , Rebecca Lynn Pietro , Todd E. Ratts , Robert Marshall Voyles, III
IPC: H04L12/24 , G06N20/00 , G06F3/0482 , H04L29/08 , H04L29/06
Abstract: A system provides multichannel aggregation of electronic data via a centralized integration hub. In particular, the system may aggregate data associated with a user and provide various processes and/or functions via an integration hub that is accessible by the user via a user device. In this way, the system may allow the client to efficiently navigate the various features offered by the entity for account optimization purposes.
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7.发明申请公开(公告)号：US20210158253A1
公开(公告)日：2021-05-27
申请号：US16690966
申请日：2019-11-21
Applicant: Bank of America Corporation
Inventor： Heather Roseann Dolan , Christina Lillie , Justin Riley duPont , Malathi Jivan , Poppy Marie Kimball
Abstract: A system provides a way to execute automatic and/or recurring resource transfers using predictive electronic data analysis. In particular, the system may continuously collect resource transfer data associated with a user. Based on the collected resource transfer data, the system may extract resource transfer patterns and subsequently generate a prediction of a resource transfer to occur in the future. In this regard, the system may use a scoring algorithm to calculate the degree of correlations between certain resource transfers. The system may then transmit one or more recommendations regarding the predicted resource transfer to the user. In this way, the system may provide an efficient way to execute resource transfers.
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公开(公告)号：US20210112098A1
公开(公告)日：2021-04-15
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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