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41. 发明授权

US10080132B2 System for adaptation of multiple digital signatures in a distributed network 有权
公开(公告)号：US10080132B2
公开(公告)日：2018-09-18
申请号：US15082645
申请日：2016-03-28
申请人： BANK OF AMERICA CORPORATION
发明人： Victoria L. Dravneek , Manu Jacob Kurian , Alicia C. Jones-McFadden , Matthew Hsieh
IPC分类号： H04W8/16 , H04W12/02 , H04W12/06 , H04W4/70 , H04L12/801 , H04L29/08
CPC分类号： H04W8/16 , H04L47/10 , H04L67/12 , H04W4/70 , H04W12/02 , H04W12/06
摘要： The present invention provides for managing communication of data from Internet-connected devices, such as those devices within an IoT environment. Specifically, the invention provides automated determination of which devices are communicating to which third-party entities and, in some embodiments, the type of data being communicated to such third-party entities. Once such information is known, the third-party entity can be automatically placed into a designated third-party category, which defines the type of data that the third-party entity is authorized to receive. In addition, a user can manage the communications from such devices by selecting to prohibit (i.e., block) or limit, based on data type, which data is communicated to which third-party entities. Additionally, the identity of the third-party entities can be authenticated/verified, such that if the third-party entity cannot be verified, communication of data to that entity is blocked or limited.

42. 发明申请

US20180232682A1 SYSTEM FOR IDENTIFICATION AND INTEGRATION OF LIKE RESOURCES AND CONFIGURING RESOURCES FOR COMMON USE 审中-公开
公开(公告)号：US20180232682A1
公开(公告)日：2018-08-16
申请号：US15433813
申请日：2017-02-15
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek , Katherine Dintenfass , Robert S. Kerr , Jason Christian Karmelek
IPC分类号： G06Q10/06 , H04L29/06
CPC分类号： G06Q10/063112 , G06F9/5061 , G06F16/906 , H04L67/22 , H04L67/306
摘要： A system may be configured for: analyzing resources and attributes to identify a subset of users having complementary resources; generating an integrated resource cluster comprising the subset of users; distributing resource transfer tasks from a received resource exchange request to the integrated resource cluster to dispense outbound resources; determining an inbound resource total for the integrated resource cluster; and transferring calculated resource divisions the subset of users comprising the integrated resource cluster. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.

43. 发明申请

US20170366394A1 COMPUTERIZED RESOURCE REALLOCATION SYSTEM FOR TRANSFERRING RESOURCE BLOCKS BASED ON CUSTODIAN EVENT 审中-公开
公开(公告)号：US20170366394A1
公开(公告)日：2017-12-21
申请号：US15188696
申请日：2016-06-21
申请人： Bank of America Corporation
发明人： Manu Jacob Kurian , Victoria L. Dravneek
IPC分类号： H04L12/24 , H04L29/08
CPC分类号： H04L41/0803 , G06Q10/0631 , G06Q50/06 , H04L63/10 , H04L67/10 , H04L67/12 , H04L67/22 , H04L67/306 , H04W4/70
摘要： Disclosed is a resource reallocation system. The system typically includes a processor, a memory, and a resource reallocation module stored in the memory. The system is typically configured for: identifying resources of a custodian; allocating the resources into one or more resource blocks; linking a resource transfer protocol to each resource block, each resource transfer protocol being associated with a particular custodian event; monitoring custodian data; determining that a custodian event has occurred based on monitoring the custodian data; and, in response to determining that the custodian event has occurred, automatically initiating one of the resource transfer protocols.

44. 发明申请

US20170359245A1 SYSTEM FOR PREDICTIVE USAGE OF RESOURCES 审中-公开
公开(公告)号：US20170359245A1
公开(公告)日：2017-12-14
申请号：US15176478
申请日：2016-06-08
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Alicia C. Jones-McFadden , Matthew Hsieh , Victoria L. Dravneek , Cameron D. Wadley , Jason Christian Karmelek , Andrew Saar , Amber J. Quitadamo
IPC分类号： H04L12/26
CPC分类号： H04L43/10 , H04L41/147 , H04L43/0876 , H04L43/16
摘要： Systems, computer program products, and methods are described herein for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine resource utilization profile associated with a user; continuously monitor the resource utilization profile of the user to track the use of the one or more resources allocated to the user over a predetermine period of time; determine one or more elevated usage instances; predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur; determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances; and reallocate the one or more determined resources to the user.

45. 发明授权

US09552586B2 System for encoding customer data 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US09552586B2
公开(公告)日：2017-01-24
申请号：US14849626
申请日：2015-09-10
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek
IPC分类号： G06K15/00 , G06Q30/02 , G06Q30/00 , H04L29/06
CPC分类号： G06Q30/0201 , G06Q20/3821 , G06Q20/405 , G06Q30/01 , G06Q2250/00 , H04L63/20
摘要： A rules engine stores customer data, a first rule comprising a first plurality of conditions, and a second rule comprising a second plurality of conditions, wherein the customer data is associated with a particular customer. The rules engine transforms a first portion of the customer data into a first code segment by applying the first rule and by satisfying a condition of the first plurality of conditions of the first rule. It also transforms a second portion of the customer data into a second code segment by applying the second rule and by satisfying a condition of the second plurality of conditions of the second rule. The rules engine further combines at least the first code segment and the second code segment to form a customer profile code. An interface engine communicatively coupled to the rules engine communicates the customer profile code to a third party.
摘要翻译：规则引擎存储客户数据，包括第一多个条件的第一规则和包括第二多个条件的第二规则，其中客户数据与特定客户相关联。规则引擎通过应用第一规则并满足第一规则的第一多个条件的条件将客户数据的第一部分转换成第一代码段。它还通过应用第二规则并满足第二规则的第二多个条件的条件，将客户数据的第二部分转换成第二代码段。规则引擎进一步组合至少第一代码段和第二代码段以形成客户简档代码。通信地耦合到规则引擎的接口引擎将客户简档代码传达给第三方。

46. 发明申请

US20160110731A1 SYSTEM FOR ENCODING CUSTOMER DATA 有权
标题翻译：用于编码客户数据的系统
公开(公告)号：US20160110731A1
公开(公告)日：2016-04-21
申请号：US14951250
申请日：2015-11-24
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek , Richard H. Thomas , Julie Mann Keppner
IPC分类号： G06Q30/02 , G06F21/62 , H04L29/06
CPC分类号： G06Q30/0201 , G06F21/6263 , G06Q30/01 , G06Q2250/00 , H04L63/08
摘要： A system for authenticating a customer includes a network interface and a processor. The network interface communicates a request for customer data associated with a particular customer. It also receives a customer profile code associated with the customer, wherein the customer profile code comprises a first code segment and a second code segment. It further receives first and second rules associated with the customer profile code. The processor transforms the first and second code segments into customer data using the rules. It further authenticates the customer using the customer data.
摘要翻译：用于认证客户的系统包括网络接口和处理器。网络接口传达与特定客户相关联的客户数据的请求。它还接收与客户相关联的客户简档代码，其中客户简档代码包括第一代码段和第二代码段。它还接收与客户简档代码相关联的第一和第二规则。处理器使用规则将第一和第二代码段转换为客户数据。它还使用客户数据进一步验证客户。

47. 发明授权

US11412054B2 System for predictive use of resources 有权
公开(公告)号：US11412054B2
公开(公告)日：2022-08-09
申请号：US16732802
申请日：2020-01-02
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Alicia C. Jones-McFadden , Matthew Hsieh , Victoria L. Dravneek , Cameron D. Wadley , Jason Christian Karmelek , Andrew Saar , Amber J. Quitadamo
IPC分类号： H04L67/50
摘要： Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.

48. 发明申请

US20210158247A1 DYNAMIC SELECTABLE AUXILIARY RESOURCE PLATFORM 有权
公开(公告)号：US20210158247A1
公开(公告)日：2021-05-27
申请号：US16697665
申请日：2019-11-27
申请人： Bank of America Corporation
发明人： Victoria L. Dravneek
IPC分类号： G06Q10/06 , G06N20/00 , H04L29/08 , H04L12/911 , G06F3/14
摘要： Embodiments of the invention are directed to a system, method, or computer program product for a dynamically selectable auxiliary resource platform for entity access for building and deploying auxiliary resource programs to the users of that entity. The invention generates and deploys an entity tailored auxiliary resource programs for the entity to deploy to users. The auxiliary resource platform is maintained separate from the entity, integrated within entity networks, and includes an over-time dynamic learning program to provide modifications to the deployed auxiliary resource program. Furthermore, the platform provides visible dashboard analytics to the entity based on the dynamic selectable auxiliary resource program utilized by the entity.

49. 发明授权

US10685386B2 Virtual assessments using augmented reality user devices 有权
公开(公告)号：US10685386B2
公开(公告)日：2020-06-16
申请号：US15364927
申请日：2016-11-30
申请人： BANK OF AMERICA CORPORATION
发明人： Willard H. Waldron , Victoria L. Dravneek , Katherine Dintenfass , Graham M. Wyllie , Kenneth A. Kaye , Heather Dolan
IPC分类号： G06Q30/00 , G06Q30/06 , H04L29/06 , G06Q40/00 , G06Q30/02 , G01S19/13 , G06F3/16 , G06F3/01 , G06K9/00
摘要： An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.

50. 发明授权

US10581988B2 System for predictive use of resources 有权
公开(公告)号：US10581988B2
公开(公告)日：2020-03-03
申请号：US15176262
申请日：2016-06-08
申请人： Bank of America Corporation
发明人： Katherine Dintenfass , Alicia C. Jones-McFadden , Matthew Hsieh , Victoria L. Dravneek , Cameron D. Wadley , Jason Christian Karmelek , Andrew Saar , Amber J. Quitadamo
IPC分类号： G06F3/048 , H04L29/08
摘要： Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.

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