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1. 发明授权

US12020224B2 ATM leveraging edge devices for offline processing 有权
公开(公告)号：US12020224B2
公开(公告)日：2024-06-25
申请号：US17989790
申请日：2022-11-18
申请人： Bank of America Corporation
发明人： Manu Kurian , Siten Sanghvi , Heather Dolan , George Albero , Maharaj Mukherjee , Kevin A. Delson
IPC分类号： G06Q20/10 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/1085 , G06Q20/3221 , G06Q20/3278 , G06Q20/40145 , G06Q20/4015
摘要： A system for facilitating offline processing of electronic transactions at an ATM when the ATM does not support a network connection may be provided. The system may include a mobile device configured to store an updatable account balance of a personal account associated with a user of the mobile device and transaction data associated with a plurality of transactions executed via the mobile device. The system may include the ATM being configured to operate in an offline processing mode when the network connection is unsupported. The offline processing mode may include the ATM receiving a transaction request and account data from the mobile device. The ATM may be configured to authenticate or deny the executing of the transaction request based on a predetermined threshold of transaction locations positioned at a distance greater than or less than a pre-determined distance from the ATM.

2. 发明授权

US11374976B2 System for authentication of resource actions based on multi-channel input 有权
公开(公告)号：US11374976B2
公开(公告)日：2022-06-28
申请号：US16653199
申请日：2019-10-15
申请人： BANK OF AMERICA CORPORATION
发明人： Christina Lillie , Justin Riley DuPont , Malathi Jivan , Heather Dolan , Poppy Marie Kimball
IPC分类号： H04L9/40 , H04W12/06 , G06Q20/40 , G06F21/35 , G06F21/31 , G06F21/32
摘要： Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.

3. 发明授权

US10127552B2 Cryptocurrency aggregation system 有权
公开(公告)号：US10127552B2
公开(公告)日：2018-11-13
申请号：US14305981
申请日：2014-06-16
申请人： Bank of America Corporation
发明人： James G. Ronca , Jason P. Blackhurst , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC分类号： G06Q20/36 , G06Q20/38 , G06Q40/02 , G06Q20/06 , H04L9/08
摘要： 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.

4. 发明申请

US20180158060A1 Augmented Reality Dynamic Authentication for Electronic Transactions 审中-公开
公开(公告)号：US20180158060A1
公开(公告)日：2018-06-07
申请号：US15367551
申请日：2016-12-02
申请人： Bank of America Corporation
发明人： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
IPC分类号： G06Q20/40 , G06T19/00 , G06F3/01
CPC分类号： G06Q20/409 , G06F3/017 , G06Q20/12 , G06Q20/3224 , G06Q20/401 , G06Q20/40145 , H04L63/0861 , H04L2463/102 , H04W12/06
摘要： A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.

5. 发明申请

US20150363782A1 CRYPTOCURRENCY TRANSACTION VALIDATION SYSTEM 审中-公开
标题翻译：交易确认交易系统
公开(公告)号：US20150363782A1
公开(公告)日：2015-12-17
申请号：US14305783
申请日：2014-06-16
申请人： Bank of America Corporation
发明人： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC分类号： G06Q20/40 , G06Q20/06
CPC分类号： G06Q20/4016 , G06Q20/065 , G06Q20/3829
摘要： 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.
摘要翻译：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。

6. 发明申请

US20150363777A1 CRYPTOCURRENCY SUSPICIOUS USER ALERT SYSTEM 审中-公开
标题翻译： CRYPTOCURRENCY SUSPICIOUS用户提醒系统
公开(公告)号：US20150363777A1
公开(公告)日：2015-12-17
申请号：US14305579
申请日：2014-06-16
申请人： Bank of America Corporation
发明人： James G. Ronca , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/065 , G06Q20/4016 , H04L9/3236 , H04L2209/38 , H04L2209/56
摘要： 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.
摘要翻译：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。

7. 发明申请

US20150363772A1 CRYPTOCURRENCY ONLINE VAULT STORAGE SYSTEM 审中-公开
标题翻译： CRYPTOCURRENCY在线VAULT存储系统
公开(公告)号：US20150363772A1
公开(公告)日：2015-12-17
申请号：US14305928
申请日：2014-06-16
申请人： Bank of America Corporation
发明人： James G. Ronca , Jason P. Blackhurst , Joseph B. Castinado , Heather Dolan , Richard H. Thomas
IPC分类号： G06Q20/38 , G06Q20/06
CPC分类号： G06Q20/3829 , G06Q20/065
摘要： A system may include a memory and processor. The processor may be configured to receive an electronic request to store a private key associated with a cryptocurrency. The processor may also be configured to generate a first vault key based at least in part upon the private key and generate a second vault key based at least in part upon the private key. The processor may also be able to facilitate the storage of the first vault key at a first data center and facilitate the storage of the second vault key at a second data center.
摘要翻译：系统可以包括存储器和处理器。处理器可以被配置为接收存储与密码学相关联的私钥的电子请求。处理器还可以被配置为至少部分地基于私钥生成第一保管库密钥，并且至少部分地基于私钥生成第二保管库密钥。处理器还可能能够促进将第一保管库密钥存储在第一数据中心，并且便于将第二保管库密钥存储在第二数据中心。

8. 发明申请

US20150363769A1 Cryptocurrency Real-Time Conversion System 审中-公开
标题翻译： Cryptocurrency实时转换系统
公开(公告)号：US20150363769A1
公开(公告)日：2015-12-17
申请号：US14306054
申请日：2014-06-16
申请人： Bank of America Corporation
发明人： James G. Ronca , Jason P. Blackhurst , Joseph B. Castinado , Heather Dolan , Thomas E. Durbin , Richard H. Thomas
IPC分类号： G06Q20/38 , G06Q20/06
CPC分类号： G06Q20/381 , G06Q20/065 , G06Q20/3821 , G06Q40/04
摘要： 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.
摘要翻译：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。

9. 发明公开

US20240031346A1 Managing virtual data objects in virtual environments 审中-公开
公开(公告)号：US20240031346A1
公开(公告)日：2024-01-25
申请号：US17813360
申请日：2022-07-19
申请人： Bank of America Corporation
发明人： Naoll Addisu Merdassa , Sachin Lad , Heather Dolan
IPC分类号： H04L9/40
CPC分类号： H04L63/08 , H04L63/102
摘要： A system includes a memory associated with a first virtual environment that stores data objects associated with a user. The memory is coupled to a processor configured to receive a user credential associated with the user and authorize the user to access the first virtual environment. The processor receives a request from the user to enter a second virtual environment accessible through the first virtual environment and generates a virtual pass for a first avatar of the user to enter the second virtual environment. The processor receives a request to perform a transfer of a selected amount of a first type data object and transfers the selected amount of the first type of data object from the memory to the second virtual environment. The processor receives an indication that the transfer is completed and deletes the selected amount of the first type of data object from the memory.

10. 发明授权

US11288679B2 Augmented reality dynamic authentication for electronic transactions 有权
公开(公告)号：US11288679B2
公开(公告)日：2022-03-29
申请号：US16783607
申请日：2020-02-06
申请人： Bank of America Corporation
发明人： Amanda J. Adams , Joseph N. Johansen , Michael Ogrinz , Heather Dolan , William P. Jacobson , Manu J. Kurian
IPC分类号： G06Q40/00 , G06Q20/40 , G06F3/01 , H04L29/06 , G06Q20/12 , G06Q20/32 , H04W12/06
摘要： A system for authorizing an electronic transaction in an augmented reality environment comprises an augmented reality user device and an authentication server. The augmented reality user device includes a display that overlays virtual objects onto a field of view of the user. The user device receives a request to verify information about a payment card used in an electronic transaction. The request includes a virtual authentication object, which is a virtual representation of an object capable of being manipulated by the user in a particular sequence to enter an authentication code. The user device displays the virtual authentication object to the user and detects gestures performed on the virtual authentication object. The user device sends the detected gestures to the authentication server. The authentication server determines the authentication code using the virtual authentication object and the detected gestures, and uses it to authorize the transaction.

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