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1. 发明授权

US10158644B2 Token-based routing for out-of-network authorization 有权
公开(公告)号：US10158644B2
公开(公告)日：2018-12-18
申请号：US15151821
申请日：2016-05-11
申请人： BANK OF AMERICA CORPORATION
发明人： Richard H. Thomas , Joseph B. Castinado
IPC分类号： H04L29/06 , G06Q20/38 , G06Q20/10 , G06Q20/36 , G06Q20/06
摘要： A token-based routing system that includes an out-of-network transfer processor configured to receive a transfer request, a sender token, and a receiver token and to identify an institution associated with a sender based on the sender token. The out-of-network transfer processor is configured to determine a membership for an institution associated with a receiver based on the receiver token. The out-of-network transfer processor is configured to facilitate a transfer from the institution associated with the sender to the receiver using service network resources in response to determining that the membership for the institution associated with the receiver indicates an in-network institution. The out-of-network transfer processor is configured to facilitate a transfer from the institution associated with the sender to the institution associated with the receiver using secondary network resources in response to determining that the membership for the institution associated with the receiver indicates an out-of-network institution.

2. 发明申请

US20150032620A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150032620A1
公开(公告)日：2015-01-29
申请号：US13949644
申请日：2013-07-24
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Gregory G. Farr , Richard H. Thomas , Bonnie L. Dolan
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40
摘要： In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive service data related to a plurality of service requests, receive a first message identifying a user, an electronic transaction service, and a problem associated with the user and the electronic transaction service, communicate a second message to one or more service administrators identifying the user, the electronic transaction service, and the problem, receive, from at least one of the one or more service administrators, authorization credentials and a limit to the use of the electronic transaction service for the user, and one or more processors operable to determine whether the authorization credentials satisfy authorization criteria, and, if the authorization credentials satisfy the authorization criteria, apply the limit to a subsequent service request by the user.
摘要翻译：在某些实施例中，用于执行电子交易服务的系统包括一个或多个可操作以接收与多个服务请求相关的服务数据的接口，接收标识用户的第一消息，电子交易服务以及与该用户相关联的问题，以及电子交易服务，向识别用户，电子交易服务和问题的一个或多个服务管理员传达第二个消息，从一个或多个服务管理员中的至少一个接收授权证书和使用限制以及用于确定授权凭证是否满足授权标准的一个或多个处理器，以及如果授权凭证满足授权准则，则将该限制应用于用户的后续服务请求。

3. 发明申请

US20150032619A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150032619A1
公开(公告)日：2015-01-29
申请号：US13949458
申请日：2013-07-24
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Gregory G. Farr , Richard H. Thomas , Shilpoo Agrawal , Matthew J. Stowell , Bonnie L. Dolan
IPC分类号： G06Q20/42
CPC分类号： G06Q20/227
摘要： In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity and one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, account data from the plurality of accounts, monitor transactions in the plurality of accounts, determine one or more transaction patterns, determine one or more proposed transactions, wherein the one or more proposed transactions represent electronic transfers of funds involving one or more of the plurality of accounts, and determine one or more advantages to the entity associated with the one or more proposed transactions.
摘要翻译：在某些实施例中，用于执行电子交易服务的系统包括一个或多个可操作以接收与多个企业持有的多个帐户的访问凭证的接口，其中所述多个账户与实体相关联，以及一个或多个处理器通信耦合到所述一个或多个接口中的至少一个，所述一个或多个处理器可操作以访问来自所述多个帐户的账户数据，监视所述多个账户中的交易，确定一个或多个交易模式，确定一个或多个所提议的交易，其中所述一个或多个所提议的交易代表涉及所述多个账户中的一个或多个的资金的电子转账，并且确定与所述一个或多个所提出的交易相关联的所述实体的一个或多个优点。

4. 发明申请

US20150363783A1 CRYPTOCURRENCY RISK DETECTION SYSTEM 审中-公开
标题翻译：风险检测系统
公开(公告)号：US20150363783A1
公开(公告)日：2015-12-17
申请号：US14305916
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 , G06Q20/38 , G06Q20/06
CPC分类号： G06Q20/4016 , G06Q20/065 , G06Q20/382 , G06Q20/3829
摘要： The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.
摘要翻译：该系统包括处理器，其可操作以接收来自客户的请求，以执行与第三方的密码学货币交易。处理器还可以检索与该密码事务相关联的块链信息。处理器还可以确定与加密事务处理相关联的加密机制的量。所述处理器可以进一步计算用于至少部分地基于所述块链信息和所述密码量的量来执行所述密码学事务处理的风险分数。

5. 发明申请

US20150363778A1 CRYPTOCURRENCY ELECTRONIC PAYMENT SYSTEM 审中-公开
标题翻译：电汇付款系统
公开(公告)号：US20150363778A1
公开(公告)日：2015-12-17
申请号：US14306110
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： G06Q20/40 , G06Q20/38 , G06Q20/06
CPC分类号： G06Q20/3829 , G06Q20/065 , G06Q20/4016 , H04L9/3236 , H04L2209/38 , H04L2209/56
摘要： A system includes a memory and a processor coupled to the memory. The processor may communicate with an electronic payment service, the electronic payment service providing a virtual account associated with the customer and determine that the customer initiated a request for a financial transaction, the financial transaction configured to transfer an amount of currency from the virtual account to a destination. The processor is also able to validate the financial transaction based at least upon data received from the electronic payment service and determine the customer account is associated with the virtual account based at least upon data received from the electronic payment service. The processor also may determine a quantity of cryptocurrency equivalent to the amount of currency (the quantity of cryptocurrency associated with the customer account) and transfer the quantity of cryptocurrency to the electronic payment service.
摘要翻译：系统包括存储器和耦合到存储器的处理器。处理器可以与电子支付服务通信，电子支付服务提供与客户相关联的虚拟账户，并确定客户发起了金融交易请求，金融交易被配置为将货币数量从虚拟账户转移到一个目的地处理器还能够至少基于从电子支付服务接收到的数据来验证金融交易，并且至少基于从电子支付服务接收的数据来确定客户帐户与虚拟账户相关联。处理器还可以确定等价于货币量（与客户帐户相关联的密码量）并且将密码量的数量传送到电子支付服务的数量的密码。

6. 发明申请

US20150363773A1 Cryptocurrency Aggregation System 审中-公开
标题翻译：密码学汇总系统
公开(公告)号：US20150363773A1
公开(公告)日：2015-12-17
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： G06Q20/38 , G06Q20/06
CPC分类号： G06Q20/3829 , G06Q20/065 , G06Q40/02 , H04L9/0894
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.
摘要翻译：系统包括存储器和处理器。存储器可以存储与客户相关联的客户账户和与企业相关联的企业帐户。处理器可以通信地耦合到存储器，并且可以使系统从客户接收在客户帐户中存入第一数量的密码学的请求。处理器还可以使得系统确定与客户帐户相关联的公共密钥并且接收第一数量的密码体制。处理器还可以使得系统确定大致相当于第一个加密量的量的第一值，并将第一个值与客户帐户相关联。处理器还能够在企业帐户中以汇总的密码体积的量聚合第一批密码学量，并有助于将公钥保护在企业帐户中。

7. 发明申请

US20150032600A1 COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES 审中-公开
标题翻译：用于收集数据和执行电子交易服务的通信网络
公开(公告)号：US20150032600A1
公开(公告)日：2015-01-29
申请号：US13949714
申请日：2013-07-24
申请人： Bank of America Corporation
发明人： Joseph B. Castinado , Gregory G. Farr , Richard H. Thomas , Bonnie L. Dolan
IPC分类号： G06Q20/02
CPC分类号： G06Q20/10
摘要： In certain embodiments, a system for executing electronic transaction services comprises one or more processors operable to access first charge information associated with electronic transactions related to a plurality of nodes, access second charge information associated with electronic transactions related to a plurality of regulatory authorities, access a plurality of previously executed electronic transactions associated with a user, determine one or more transaction patterns based on the plurality of previously executed electronic transactions, determine a current cost associated with the one or more transaction patterns based at least in part on the first and second charge information, and determine, based at least in part on the first and second charge information, one or more proposed electronic transactions associated with a proposed cost less than the current cost.
摘要翻译：在某些实施例中，用于执行电子交易服务的系统包括一个或多个处理器，可操作以访问与多个节点相关的电子交易相关联的第一收费信息，访问与多个监管机构相关的电子交易相关的第二收费信息，访问与用户相关联的多个先前执行的电子交易，基于多个先前执行的电子交易来确定一个或多个交易模式，至少部分地基于第一和第二交易模式来确定与一个或多个交易模式相关联的当前成本收费信息，并且至少部分地基于第一和第二计费信息确定与低于当前成本的建议成本相关联的一个或多个所提出的电子交易。

8. 发明授权

US10158643B2 Token-based routing for in-network authorization 有权
公开(公告)号：US10158643B2
公开(公告)日：2018-12-18
申请号：US15151777
申请日：2016-05-11
申请人： BANK OF AMERICA CORPORATION
发明人： Richard H. Thomas , Joseph B. Castinado
IPC分类号： H04L29/06 , G06Q20/10 , G06Q20/38 , G06Q20/36 , G06Q20/06
摘要： An apparatus including an in-network transfer processor configured to receive a transfer request, a sender token, and a receiver token, to identify an institution associated with a sender based on the sender token, and to identify an institution associated with a receiver based on the receiver token. The in-network transfer processor is configured to facilitate an internal transfer to the sender when the sender and the receiver are the same user and to facilitate an internal transfer to the receiver when the sender and the receiver are different users. The in-network transfer processor is configured to facilitate a transfer to the receiver using service network resources when the membership for the institution associated with the receiver indicates an in-network institution and to facilitate a transfer to the institution associated with the receiver using secondary network resources when the membership for the institution associated with the receiver indicates an out-of-network institution.

9. 发明申请

US20170244727A1 Tokenization for Network Authorization Routing 审中-公开
公开(公告)号：US20170244727A1
公开(公告)日：2017-08-24
申请号：US15151859
申请日：2016-05-11
申请人： BANK OF AMERICA CORPORATION
发明人： Richard H. Thomas , Joseph B. Castinado
IPC分类号： H04L29/06
CPC分类号： H04L63/102 , G06Q20/065 , G06Q20/10 , G06Q20/3672 , G06Q20/3674 , G06Q20/383 , G06Q20/385 , H04L63/04 , H04L63/0428 , H04L63/08 , H04L63/0807 , H04L63/10 , H04L63/126
摘要： A tokenization system that includes a tokenizer, a token and alias directory, and a network node. The tokenizer is configured to generate tokens. The token and alias directory is configured to store tokens. The network node is configured to receive user information for a user and to determine a membership for an institution associated with the user based on the user information. The network node is configured to send an authorization request to an authorization processer in response to determining that the membership for the institution associated with the receiver indicates an in-network institution and to receive an authorization approval in response to sending the authorization request. The network node is further configured to send a token request to the tokenizer, to receive a token in response to the token request, and to store the token in the token and alias directory.

10. 发明申请

US20170244717A1 Token-Based Routing for In-Network Authorization 审中-公开
公开(公告)号：US20170244717A1
公开(公告)日：2017-08-24
申请号：US15151777
申请日：2016-05-11
申请人： BANK OF AMERICA CORPORATION
发明人： Richard H. Thomas , Joseph B. Castinado
IPC分类号： H04L29/06
CPC分类号： H04L63/102 , G06Q20/065 , G06Q20/10 , G06Q20/3672 , G06Q20/3674 , G06Q20/383 , G06Q20/385 , H04L63/04 , H04L63/0428 , H04L63/08 , H04L63/0807 , H04L63/10 , H04L63/126
摘要： An apparatus including an in-network transfer processor configured to receive a transfer request, a sender token, and a receiver token, to identify an institution associated with a sender based on the sender token, and to identify an institution associated with a receiver based on the receiver token. The in-network transfer processor is configured to facilitate an internal transfer to the sender when the sender and the receiver are the same user and to facilitate an internal transfer to the receiver when the sender and the receiver are different users. The in-network transfer processor is configured to facilitate a transfer to the receiver using service network resources when the membership for the institution associated with the receiver indicates an in-network institution and to facilitate a transfer to the institution associated with the receiver using secondary network resources when the membership for the institution associated with the receiver indicates an out-of-network institution.

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