公开(公告)号：US11985665B2

公开(公告)日：2024-05-14

申请号：US17345115

申请日：2021-06-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa ,  Lalit Dhawan ,  Robert Nyeland Huggins ,  Pratap Dande ,  Michael Joseph Carroll ,  Brandon Sloane ,  Vijaya L Vemireddy

IPC: H04W72/20 ,  H04W12/08 ,  H04W72/51 ,  H04W72/563

CPC classification number: H04W72/20 ,  H04W12/08 ,  H04W72/51 ,  H04W72/563

Abstract: Embodiments of the present invention provide a secure edge device for contactless resource distribution and resource crediting from an automobile. In this way, the edge device may be affixed to or embedded within the side or the mirror of an automobile and be able to communicate with a third party device using near field communication. Upon authentication of a user, the edge device may communicate with the third party to transmit and present data about the resource distribution to the automobile display. The system allows for the user to select the resource distribution via the automobile display and provide a completion of resource distributions.

公开(公告)号：US12271831B2

公开(公告)日：2025-04-08

申请号：US17339686

申请日：2021-06-04

Applicant: Bank of America Corporation

Inventor： Pratap Dande ,  Vijaya L Vemireddy ,  Brandon Sloane ,  Jinna Z Kim ,  Kapil Chhibber ,  Robert Nyeland Huggins

IPC: G06Q20/10 ,  G06N5/04 ,  G06N20/00 ,  G06Q20/02

Abstract: According to certain embodiments, a routing system comprises a memory operable to store historical data associated with a plurality of previous data processing transactions and a processor operably coupled to a network interface and the memory. The processor is configured to obtain the historical data associated with the plurality of previous data processing transactions transacted using a first routing between a first computing system and a second computing system and determine a pattern based on the historical data, the pattern determined based on machine learning. The processor is further configured to associate the pattern with a second routing between the first computing system and the second computing system, determine an upcoming data processing transaction corresponding to the pattern, and use the second routing to transact the upcoming data processing transaction.