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1. 发明授权

US10380681B2 Real-time data processing 有权
公开(公告)号：US10380681B2
公开(公告)日：2019-08-13
申请号：US14847220
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Charles R. Kendall , Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/00 , G06Q40/02
摘要： In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.

2. 发明授权

US10621577B2 Controlling access to data 有权
公开(公告)号：US10621577B2
公开(公告)日：2020-04-14
申请号：US14851718
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： G06Q20/38 , G06F21/62 , G06F21/35 , G06Q20/40 , G06F21/32 , G06F21/45 , H04L29/06 , G06Q20/32
CPC分类号： G06Q20/382 , G06F21/32 , G06F21/35 , G06F21/45 , G06F21/6245 , G06Q20/3224 , G06Q20/405 , G06Q20/40145 , H04L63/0823
摘要： A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.

3. 发明申请

US20170068936A1 REAL-TIME DATA PROCESSING 审中-公开
标题翻译：实时数据处理
公开(公告)号：US20170068936A1
公开(公告)日：2017-03-09
申请号：US14847378
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Charles R. Kendall , Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q20/04 , G06Q20/42 , G06Q20/40 , G06Q20/02 , G06Q20/26
CPC分类号： G06Q20/042 , G06Q20/023 , G06Q20/26 , G06Q20/405 , G06Q20/42
摘要： In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.
摘要翻译：在某些实施例中，用于实时数据处理的系统包括一个或多个处理器，可操作用于：基于接收到的检查数据确定存款金融机构和存款账户，基于所接收的支票数据确定借记金融机构和借项账户，确定存款和借记金融机构是成员金融机构，根据收到的支票数据确定借方金额; 以及一个或多个接口，用于：将借记通知传送给借方金融机构，借方通知包括接收到的支票数据的至少一部分，并且响应于通知借记通知而从借记金融机构接收授权通知，授权通知代表借方金融机构将借记金额转入存款金融机构的承诺。

4. 发明授权

US10417616B2 Real-time data processing 有权
公开(公告)号：US10417616B2
公开(公告)日：2019-09-17
申请号：US14847378
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Charles R. Kendall , Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/02 , G06Q20/26 , G06Q20/40 , G06Q20/42
摘要： In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.

5. 发明授权

US09935961B2 Controlling access to data 有权
公开(公告)号：US09935961B2
公开(公告)日：2018-04-03
申请号：US14851728
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： H04L29/06 , G06F17/30 , G06Q20/40 , G06Q20/32
CPC分类号： H04L63/102 , G06F21/00 , G06Q20/00 , G06Q20/3224 , G06Q20/4016 , H04L63/08 , H04L63/0823 , H04L63/107
摘要： A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.

6. 发明申请

US20170078299A1 CONTROLLING ACCESS TO DATA 有权
标题翻译：控制数据访问
公开(公告)号：US20170078299A1
公开(公告)日：2017-03-16
申请号：US14851728
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： H04L29/06 , G06F17/30
CPC分类号： H04L63/102 , G06F21/00 , G06Q20/00 , G06Q20/3224 , G06Q20/4016 , H04L63/08 , H04L63/0823 , H04L63/107
摘要： A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.
摘要翻译：一种用于控制对数据的访问的系统，包括：一个或多个可操作以接收接入点解授权消息的接口，所述接入点解授权消息包括一个或多个接入点标识符; 以及一个或多个处理器，其可操作用于：确定与所接收的接入点解授权消息中包括的接入点标识符相关联的帐户标识符，以及对由所接收的接入点标识符标识的接入点进行取消授权以访问与所确定的帐户标识符相关联的金融帐户与所接收的接入点标识符相关联。

7. 发明申请

US20170076286A1 CONTROLLING ACCESS TO DATA 审中-公开
标题翻译：控制数据访问
公开(公告)号：US20170076286A1
公开(公告)日：2017-03-16
申请号：US14851826
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： G06Q20/40 , H04L29/06 , G06Q20/38
CPC分类号： G06Q20/405 , G06Q20/3821 , G06Q20/385 , H04L9/3263 , H04L63/0272 , H04L63/0414 , H04L63/0428 , H04L63/0823 , H04L63/10 , H04L63/166 , H04L2209/38 , H04L2209/805
摘要： A system for controlling access to data, includes: one or more interfaces operable to receive an account alias messages, an account alias message comprising an account alias and one or more account identifiers; receive an account transaction message and a secure socket layer certificate generated with a block chain, the account transaction message comprising an account alias and a proposed transaction, and one or more processors operable to: determine that the received account transaction message is valid based on the received secure socket layer certificate by verifying that information included in the secure socket layer certificate is stored in the block chain, determine an account identifier associated with an account alias received in an account transaction message, and authorize the received proposed transaction for a financial account associated with the determined account identifier.
摘要翻译：一种用于控制对数据的访问的系统，包括：一个或多个可操作以接收帐户别名消息的接口，包括帐户别名的帐户别名消息和一个或多个帐户标识符; 接收用块链生成的帐户交易消息和安全套接字层证书，所述帐户交易消息包括帐户别名和所提议的交易，以及一个或多个处理器，可操作以：基于所述交易消息确定所接收的账户交易消息是有效的通过验证安全套接字层证书中包含的信息被存储在块链中，确定与在帐户交易消息中接收到的帐户别名相关联的帐户标识符，并授权所接收到的建议交易用于相关联的金融账户，从而接收到安全套接层证书具有确定的帐户标识符。

8. 发明申请

US20170076280A1 Controlling Access to Data 审中-公开
标题翻译：控制对数据的访问
公开(公告)号：US20170076280A1
公开(公告)日：2017-03-16
申请号：US14851718
申请日：2015-09-11
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Bonnie L. Dolan , Charles R. Kendall
IPC分类号： G06Q20/38 , G06F21/35 , G06Q20/40 , G06F21/62
CPC分类号： G06Q20/382 , G06F21/32 , G06F21/35 , G06F21/45 , G06F21/6245 , G06Q20/3224 , G06Q20/40145 , G06Q20/405 , H04L63/0823
摘要： A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.
摘要翻译：用于控制对数据的访问的系统包括：一个或多个接口，其可操作以接收：与财务帐户相关联的帐户标识和与所述金融账户相关联的认证标准，所述认证标准基于所述交易的值识别所需认证数据; 一个或多个可操作以接收所提出的交易消息的接口，所提出的交易消息包括建议交易的价值，帐户标识符和所提议的交易的位置; 一个或多个处理器通信地耦合到所述一个或多个接口，所述一个或多个处理器可操作用于：确定与所接收的帐户标识符相关联的金融账户，并基于所接收的账户标识符和所接收到的账户标识符以及所提出的交易，所需形式的认证包括以下一个或多个：生物认证和位置认证。

9. 发明申请

US20170069019A1 REAL-TIME DATA PROCESSING 审中-公开
标题翻译：实时数据处理
公开(公告)号：US20170069019A1
公开(公告)日：2017-03-09
申请号：US14847220
申请日：2015-09-08
申请人： Bank of America Corporation
发明人： Charles R. Kendall , Joseph B. Castinado , Bonnie L. Dolan
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02
摘要： In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.
摘要翻译：在某些实施例中，用于实时透支检测的系统包括一个或多个处理器，其可操作以：基于所接收到的检查数据确定存款金融机构和存款账户，基于所接收的支票数据确定借记金融机构和借项账户，确定存款金融机构和借方金融机构是成员金融机构，根据收到的支票数据确定借方金额，确定借方帐户与收到的账户数据相关联的账户相匹配，并确定借方金额超过已核准的借方量; 所述一个或多个接口进一步可操作以响应于确定所述借项金额超过所述认可的借记金额而向所述存款帐户持有人通知所述拒绝交易通知，所述拒绝交易通知通知所述存款帐户持有者所述借记金额不能被记入存款账户持有人。

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