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1. 发明申请

US20220150878A1 RESOURCE DISTRIBUTION HUB GENERATION ON A MOBILE DEVICE 有权
公开(公告)号：US20220150878A1
公开(公告)日：2022-05-12
申请号：US17580957
申请日：2022-01-21
申请人： BANK OF AMERICA CORPORATION
发明人： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
IPC分类号： H04W72/04 , H04W4/80 , G06F9/50 , H04W12/06
摘要： Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.

2. 发明授权

US11234235B2 Resource distribution hub generation on a mobile device 有权
公开(公告)号：US11234235B2
公开(公告)日：2022-01-25
申请号：US16399874
申请日：2019-04-30
申请人： BANK OF AMERICA CORPORATION
发明人： Patrick Thomas McConnell , William Bradley Burks , Daniel James Doherty , Justin Riley duPont , Thomas Elliott , Tony England , Matthew Murphy , Nickolas Patrick Parker , Stephen Philip Selfridge , Steven Michael Twombly , James J. Williams
IPC分类号： H04W72/04 , H04W4/80 , G06F9/50 , H04W12/06
摘要： Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.

3. 发明授权

US10716060B2 Data transfer between computing device and user device at different locations and over session or connection to display one or more routing networks to use 有权
公开(公告)号：US10716060B2
公开(公告)日：2020-07-14
申请号：US15477805
申请日：2017-04-03
申请人： Bank of America Corporation
发明人： Steven M. Twombly , Matthew Murphy , Mark A. Nelson , Bradley Holland , Mark Williams
IPC分类号： H04W48/18 , H04L12/24
摘要： A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to receive, from a user device, data indicative of an item. The computing device may be located at a first location, and the user device may be located at a second location, where the first location is different from the second location. The computing device may identify the item based on item recognition using the data indicative of the item. The computing device may determine, based on the identified item, one or more routing networks for the user device to use for the identified item. The computing device may generate, for display via the user device, a notification indicating the one or more routing networks for the user device to use for the identified item. The computing device may transmit, to the user device, and via a secure session connection, the notification indicating the one or more routing networks for the user device to use for the identified item. The user device may be configured to receive, from the computing device, the notification indicating the one or more routing networks for the user device to use for the identified item. The user device may display the notification indicating the one or more routing networks.

4. 发明授权

US10608918B2 Data transfer, over session or connection, and between computing device and one or more servers to determine likelihood of user device using a routing network 有权
公开(公告)号：US10608918B2
公开(公告)日：2020-03-31
申请号：US15477817
申请日：2017-04-03
申请人： Bank of America Corporation
发明人： Steven M. Twombly , Mark A. Nelson , Bradley Holland , Mark Williams , Matthew Murphy
IPC分类号： H04L12/26 , H04L29/08 , H04L29/06 , H04W12/10 , H04W12/00
摘要： A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between the computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, data associated with the second routing network. The computing device may analyze the data associated with the first routing network and the data associated with the second routing network. The computing device may determine, based on the analyzing the data associated with the first routing network and the data associated with the second routing network, a likelihood of a user device using a new routing network different from the first routing network and the second routing network. In response to determining that the likelihood of the user device using the new routing network exceeds a threshold, the computing device may generate, for display via the user device, a notification indicating a recommendation for the new routing network. The computing device may transmit, to the user device, the notification indicating the recommendation for the new routing network. The user device may be configured to display the notification indicating the recommendation for the new routing network. The first server associated with the first routing network may be configured to transmit, to the computing device and via the first secure session connection, the data associated with the first routing network. The second server associated with the second routing network may be configured to transmit, to the computing device and via the second secure session connection, the data associated with the second routing network.

5. 发明授权

US10601934B2 Data transfer, over session or connection, and between computing device and one or more servers for transmitting data to a third party computing device 有权
公开(公告)号：US10601934B2
公开(公告)日：2020-03-24
申请号：US15477826
申请日：2017-04-03
申请人： Bank of America Corporation
发明人： Steven M. Twombly , Matthew Murphy , Bradley Holland , Mark A. Nelson , Mark Williams
IPC分类号： H04L29/08 , H04L29/06
摘要： A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between a computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, a plurality of pieces of data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, a plurality of pieces of data associated with the second routing network. The computing device may categorize each of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may generate, based on the categorizing, one or more tags for each of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may generate, based on the one or more tags, a plurality of blocks of data. Each block of data of the plurality of blocks of data may comprise at least a portion of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may store, at a storage device and with one or more corresponding tags, the plurality of blocks of data. The computing device may receive a request to share data with a third party computing device. In response to receiving the request to share data with the third party computing device, the computing device may transmit, to the third party computing device and based on the one or more corresponding tags, a block of data of the plurality of blocks of data. The first server associated with the first routing network may be configured to transmit, to the computing device and via the first secure session connection, the plurality of pieces of data associated with the first routing network. The second server associated with the second routing network may be configured to transmit, to the computing device and via the second secure session connection, the plurality of pieces of data associated with the second routing network.

6. 发明授权

US10798007B2 Data transfer, over session or connection, and between computing device and server associated with a routing network for modifying one or more parameters of the routing network 有权
公开(公告)号：US10798007B2
公开(公告)日：2020-10-06
申请号：US16574410
申请日：2019-09-18
申请人： Bank of America Corporation
发明人： Steven M. Twombly , Matthew Murphy , Mark Williams , Bradley Holland , Mark A. Nelson
IPC分类号： H04L12/721 , H04L12/851 , H04L29/08 , H04L29/06 , H04Q11/00 , H04L12/26 , H04L12/24 , H04W48/08 , H04N21/4367 , H04L12/751 , H04W12/00 , H04L12/773 , G06Q30/02 , H04W80/00 , H04W76/00
摘要： A method, apparatus, computer-readable medium, and/or system may comprise a user device configured to transmit, to a computing device, data indicative of a first routing network and data indicative of a second routing network. The computing device may comprise a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to receive, from the user device, the data indicative of the first routing network and the data indicative of the second routing network. The computing device may determine, based on the data indicative of the first routing network, a plurality of parameters for the first routing network. The computing device may determine, based on the data indicative of the second routing network, a plurality of parameters for the second routing network. The computing device may generate a secure session connection between the computing device and a server associated with the second routing network. The computing device may receive, from the server and via the secure session connection between the computing device and the server associated with the second routing network, a modification to one or more parameters of the plurality of parameters for the second routing network. The computing device may determine priorities for the first routing network and the second routing network based at least in part on the plurality of parameters for the first routing network and the modification to the one or more parameters of the plurality of parameters for the second routing network. The computing device may store, at a database, the priorities for the first routing network and the second routing network.

7. 发明授权

US10657478B2 Aggregated entity resource tool 有权
公开(公告)号：US10657478B2
公开(公告)日：2020-05-19
申请号：US16117170
申请日：2018-08-30
申请人： BANK OF AMERICA CORPORATION
发明人： Willard Andrew Barr , Lisa Matarese Braun , Brian William Caldwell , Kevin Patrick Condon , Kelly Elizabeth Firment , Ryan Michael Furey , Caroline Hayes Godwin , Matthew Murphy , Robert Altemus Pascal , George William Taylor , Renee Elaine Weiler
IPC分类号： G06Q10/06 , G06N5/04 , G06F16/25 , G06Q40/00 , G06Q30/02 , G06N20/00 , G05D1/00
摘要： Embodiments of the invention are directed to a system, method, or computer program product for creating a control dashboard for user interactions. The application may be utilized by a user in connection with a third party exchange system, small business, or individually. As such, the invention may extract data from multiple user and competitor locations. The invention coordinates the data and generates components for the dashboard that includes resource flows, outside entity user information, and aggregation integration in a customizable, real-time modified dashboard. Thus providing monitoring and alerts for inventorying, resources, and invoicing. Furthermore, the system may identify underpenetrated customer populations, perform trend analysis to identify potential customers, and the like. Finally, the system integrates an artificial intelligence engine for real-time data digestion and future predictions for resource flows.

8. 发明授权

US10609156B2 Data transfer, over session or connection, and between computing device and server associated with one or more routing networks in response to detecting activity 有权
公开(公告)号：US10609156B2
公开(公告)日：2020-03-31
申请号：US15477806
申请日：2017-04-03
申请人： Bank of America Corporation
发明人： Steven M. Twombly , Mark Williams , Bradley Holland , Mark A. Nelson , Matthew Murphy
IPC分类号： H04L29/08 , H04W12/08 , H04W12/00 , H04L29/06
摘要： A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a secure session connection between the computing device and a server associated with one or more routing networks. The computing device may receive, from the server and via the secure session connection, data associated with the one or more routing networks. The computing device may store, at a database, the data associated with the one or more routing networks. The computing device may determine whether new activity associated with a user and involving at least one of the one or more routing networks is detected. In response to determining that new activity associated with the user is detected, the computing device may transmit, to the database, a request for the stored data associated with the one or more routing networks. The computing device may receive, from the database, the stored data associated with the one or more routing networks. The computing device may determine, based on a plurality of factors determined from the stored data associated with the one or more routing networks, a score for the new activity. The server associated with one or more routing networks may be configured to transmit, to the computing device and via the secure session connection, the data associated with the one or more routing networks.

9. 发明申请

US20180374011A1 AGGREGATED ENTITY RESOURCE TOOL 审中-公开
公开(公告)号：US20180374011A1
公开(公告)日：2018-12-27
申请号：US16117170
申请日：2018-08-30
申请人： BANK OF AMERICA CORPORATION
发明人： Willard Andrew Barr , Lisa Matarese Braun , Brian William Caldwell , Kevin Patrick Condon , Kelly Elizabeth Firment , Ryan Michael Furey , Caroline Hayes Godwin , Matthew Murphy , Robert Altemus Pascal , George William Taylor , Renee Elaine Weiler
IPC分类号： G06Q10/06 , G06Q30/02 , G06Q40/00 , G06F15/18
摘要： Embodiments of the invention are directed to a system, method, or computer program product for creating a control dashboard for user interactions. The application may be utilized by a user in connection with a third party exchange system, small business, or individually. As such, the invention may extract data from multiple user and competitor locations. The invention coordinates the data and generates components for the dashboard that includes resource flows, outside entity user information, and aggregation integration in a customizable, real-time modified dashboard. Thus providing monitoring and alerts for inventorying, resources, and invoicing. Furthermore, the system may identify underpenetrated customer populations, perform trend analysis to identify potential customers, and the like. Finally, the system integrates an artificial intelligence engine for real-time data digestion and future predictions for resource flows.

10. 发明申请

US20180288174A1 Data Transfer, Over Session or Connection, and Between Computing Device and One or More Servers for Transmitting Data to a Third Party Computing Device 审中-公开
公开(公告)号：US20180288174A1
公开(公告)日：2018-10-04
申请号：US15477826
申请日：2017-04-03
申请人： Bank of America Corporation
发明人： Steven M. Twombly , Matthew Murphy , Bradley Holland , Mark A. Nelson , Mark Williams
IPC分类号： H04L29/08 , H04L12/851
CPC分类号： H04L67/20 , H04L63/0428 , H04L67/141 , H04L67/18 , H04L67/36
摘要： A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between a computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, a plurality of pieces of data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, a plurality of pieces of data associated with the second routing network. The computing device may categorize each of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may generate, based on the categorizing, one or more tags for each of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may generate, based on the one or more tags, a plurality of blocks of data. Each block of data of the plurality of blocks of data may comprise at least a portion of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may store, at a storage device and with one or more corresponding tags, the plurality of blocks of data. The computing device may receive a request to share data with a third party computing device. In response to receiving the request to share data with the third party computing device, the computing device may transmit, to the third party computing device and based on the one or more corresponding tags, a block of data of the plurality of blocks of data. The first server associated with the first routing network may be configured to transmit, to the computing device and via the first secure session connection, the plurality of pieces of data associated with the first routing network. The second server associated with the second routing network may be configured to transmit, to the computing device and via the second secure session connection, the plurality of pieces of data associated with the second routing network.

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