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公开(公告)号：US10275772B2
公开(公告)日：2019-04-30
申请号：US14305916
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
Abstract: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.
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公开(公告)号：US09836790B2
公开(公告)日：2017-12-05
申请号：US14305797
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC: G06Q40/04
CPC classification number: G06Q40/04
Abstract: A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.
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公开(公告)号：US20150363876A1
公开(公告)日：2015-12-17
申请号：US14305797
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC: G06Q40/04
CPC classification number: G06Q40/04
Abstract: A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.
Abstract translation: 系统包括可操作以存储客户账户，第一浮动账户和第二浮动账户的存储器。 系统还包括通信地耦合到存储器的处理器。 处理器可以接收货币兑换的电子请求，并确定用于交换第二货币的第一货币的汇率。 处理器还可以确定最佳的汇率。 响应于确定最佳汇率，处理器可以确定第一货币的第一数量并将第一金额与客户账户相关联。 处理器还可以将第一货币的第一数量转移到第一浮动账户中并确定第二货币的第二数量。 处理器还能够将第二数量与第二浮动账户相关联，并将第二货币的第二数量转移给客户。
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公开(公告)号：US20150363770A1
公开(公告)日：2015-12-17
申请号：US14305893
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin
CPC classification number: G06Q20/382 , G06Q20/10 , G06Q20/3672 , G06Q2220/00
Abstract: A system comprises a memory operable to store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able encode cryptocurrency information associated with the customer account onto a payment instrument. The processor is also able to receive a request for a cryptocurrency transaction from the customer using the payment instrument. In response to receiving the request, the processor is able to determine cryptocurrency information associated with the customer account and determine cryptocurrency information associated with a recipient. The processor is further able to associate the first amount of cryptocurrency with the customer account and initiate a transfer of the first amount of cryptocurrency to an account associated with the recipient.
Abstract translation: 系统包括可操作地存储与客户相关联的客户帐户的存储器和通信地耦合到存储器的处理器。 处理器能够将与客户帐户相关联的加密资讯信息编码到付款工具上。 该处理器还能够使用支付工具从客户端接收到一个隐式货币交易的请求。 响应于接收到请求，处理器能够确定与客户帐户相关联的密码学信息，并确定与接收者相关联的密码学信息。 处理器还能够将第一数量的密码学与客户帐户相关联并且发起第一数量的密码学的转移到与接收者相关联的帐户。
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公开(公告)号：US10127552B2
公开(公告)日：2018-11-13
申请号：US14305981
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Jason P. Blackhurst , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
Abstract: A system includes a memory and a processor. The memory may store a customer account associated with a customer and an enterprise account associated with an enterprise. The processor may be communicatively coupled to the memory and may cause the system to receive a request to deposit a first amount of a cryptocurrency in the customer account from the customer. The processor may also cause the system to determine a public key associated with the customer account and receive the first amount of the cryptocurrency. The processor may further cause the system to determine a first value approximately equivalent to the first amount of cryptocurrency and associate the first value with the customer account. The processor is further able to aggregate the first amount of cryptocurrency with an aggregated amount of the cryptocurrency in the enterprise account and facilitate securing the public key in the enterprise account.
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Patent Agency Ranking
公开(公告)号：US20150363782A1
公开(公告)日：2015-12-17
申请号：US14305783
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
CPC classification number: G06Q20/4016 , G06Q20/065 , G06Q20/3829
Abstract: The system includes a memory and a processor. The memory may store a customer profile associated with a customer. The processor may be communicatively coupled to the memory and may receive a request from the customer to perform a cryptocurrency transaction with a third party. The processor may calculate a risk score for the cryptocurrency transaction and determine a number of required validations to confirm the cryptocurrency transaction based at least in part upon the risk score. The processor may further receive a number of validations from a plurality of miners and compare the number of received validations to the number of required validations. The processor is further able to determine whether the number of received validations complies with the number of required validations.
Abstract translation: 该系统包括一个存储器和一个处理器。 存储器可以存储与客户相关联的客户简档。 处理器可以通信地耦合到存储器，并且可以接收来自客户的请求以执行与第三方的密码学交易。 处理器可以计算密码事务处理的风险分数，并且至少部分地基于风险分数来确定许多所需的验证以确认加密事务。 处理器还可以从多个矿工进一步接收多个验证，并将接收到的验证次数与所需的验证次数进行比较。 处理器还能够确定所接收的验证的数量是否符合所需的验证次数。
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公开(公告)号：US20150363777A1
公开(公告)日：2015-12-17
申请号：US14305579
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC: G06Q20/40
CPC classification number: G06Q20/401 , G06Q20/065 , G06Q20/4016 , H04L9/3236 , H04L2209/38 , H04L2209/56
Abstract: The system includes a memory and a processor. The memory may store user profiles of an enterprise. The processor may be communicatively coupled to the memory and may receive a request from a user to perform a cryptocurrency transaction with a third party. The processor may retrieve block chain information associated with the cryptocurrency transaction and determine whether one of the user profiles is associated with the user based on the retrieved block chain information and a stored cryptoidentifier associated with one of the user profiles. The processor may further determine whether one of the user profiles is associated with the third party based on the retrieved block chain information and at least one stored cryptoidentifier associated with one of the user profiles. The processor may determine whether the cryptocurrency transaction is suspicious based on the associated user profile and communicate an alert to the enterprise.
Abstract translation: 该系统包括一个存储器和一个处理器。 存储器可以存储企业的用户简档。 处理器可以通信地耦合到存储器，并且可以接收来自用户的请求以执行与第三方的密码学交易。 所述处理器可以检索与所述加密事务相关联的块链信息，并且基于所检索的块链链路信息和与所述用户简档之一相关联的存储的加密标识来确定所述用户简档之一是否与所述用户相关联。 处理器可以基于检索的块链信息和与用户简档之一相关联的至少一个存储的加密标识来进一步确定用户简档之一是否与第三方相关联。 处理器可以基于相关联的用户简档来确定密码安全性事务是否可疑，并向企业传达警报。
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公开(公告)号：US20150363769A1
公开(公告)日：2015-12-17
申请号：US14306054
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Jason P. Blackhurst , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
CPC classification number: G06Q20/381 , G06Q20/065 , G06Q20/3821 , G06Q40/04
Abstract: A system comprises a memory operable to store a set of conversion rules. The system also comprises a processor communicatively coupled to the memory. The processor is able to receive an electronic request for a cryptocurrency conversion requesting a conversion of a first currency into a second currency, wherein the second currency is a cryptocurrency. The processor is further able to retrieve price data associated with the first and second currencies and determine whether the conversion is optimal. In response to determining the conversion is optimal, the processor determines a plurality of exchange rates associated with converting the first currency into the second currency and determines an optimal exchange rate of the plurality of exchange rates. The processor is further able to initiate, essentially simultaneously as the determination that the conversion is optimal, converting the first currency into the second currency.
Abstract translation: 系统包括可操作以存储一组转换规则的存储器。 该系统还包括通信地耦合到存储器的处理器。 处理器能够接收请求将第一货币转换成第二货币的加密转换转换的电子请求，其中第二货币是加密货币。 处理器还能够检索与第一和第二货币相关联的价格数据，并确定转换是否是最佳的。 响应于确定转换是最佳的，处理器确定与将第一货币转换为第二货币相关联的多个汇率，并确定多个汇率的最佳汇率。 处理器进一步能够基本上同时启动转换最佳的确定，将第一货币转换为第二货币。
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公开(公告)号：US10255600B2
公开(公告)日：2019-04-09
申请号：US14306158
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin
Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.
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公开(公告)号：US20150365283A1
公开(公告)日：2015-12-17
申请号：US14306158
申请日：2014-06-16
Applicant: Bank of America Corporation
Inventor： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin
CPC classification number: G06Q20/3829 , G06Q20/065 , G06Q20/10 , G06Q20/36 , G06Q20/381 , G06Q20/4016 , G06Q20/4037 , H04L41/0816 , H04L63/0428 , H04L67/12 , H04L2463/102
Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.
Abstract translation: 系统包括可以存储与客户相关联的客户帐户的存储器和通信地耦合到存储器的处理器。 处理器能够接收一个请求，将一定数量的密码存入存储到客户帐户中，并将密码数量与客户帐户相关联。 处理器还能够将数量的加密资源存入连接到网络的保管库，并确定存放在保管库中的加密货币的总数量。 处理器还可以响应于确定存储在保险库中的总和量的总量超过阈值，便于保险库与网络的断开连接。
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