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公开(公告)号：US20200274775A1
公开(公告)日：2020-08-27
申请号：US16800876
申请日：2020-02-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Jeetendra Hukmichand Jain
Abstract: Embodiments of the invention provide systems, computer program products, and methods for a network operational decisional engine (NODE) to allow individual users to set resource distribution constraints on various accounts over a number of different networks. By providing a centralized user interface and storing and tracking user configuration and account data, the invention recognizes and filters resource distribution requests based on operational decisions as specified by users in order to provide increased control over the authorization or denial of resource distribution requests. The NODE provides the ability to proactively control resource distribution constraints before requests for resource distribution are initiated, and allows for tailored operational decisions to be easily implemented based on a wide range of user-defined criteria.
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公开(公告)号：US20240330909A1
公开(公告)日：2024-10-03
申请号：US18129148
申请日：2023-03-31
Applicant: Bank of America Corporation
Inventor： Nicole Guereque , Matthew Dana Murphy , Jeetendra Hukmichand Jain , Bradley Ryan Holland , Nathanael Richard Lindsay , Steven M. Twombly , Willis Marley Clow
CPC classification number: G06Q20/382 , G06Q20/36 , G06Q20/401
Abstract: Systems, methods, and apparatus are provided for a high-security display of distinct subsets of a digital payment card dataset. A payment card issuer may import token data to generate a digital payment card for a user. In some embodiments, the digital payment card may include the token place of a payment card PAN, a token expiration date in place of a payment card expiration date, and a token security code in place of a card CVV. The user may access the digital payment card data at a high security display that toggles to different subsets of the payment card dataset. The display may require different levels of verification to access each subset of the dataset. The user may execute a transaction using the digital payment card data.
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公开(公告)号：US12106291B2
公开(公告)日：2024-10-01
申请号：US17680585
申请日：2022-02-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jeetendra Hukmichand Jain
CPC classification number: G06Q20/3821 , G06Q20/108 , G06Q20/3674
Abstract: Systems, computer program products, and methods are described herein for electronic tokenization of resource distribution instruments. The present invention may be configured to receive, from a first entity channel, a request for a secure credential for a resource distribution instrument, where the first entity channel received the request from a user device associated with a user. The present invention may be configured to generate, in response to receiving the request, the secure credential and provide, to a resource distribution instrument network, the secure credential and instructions to configure the resource distribution instrument network. The instructions may configure the resource distribution instrument network to provide, in response to receiving a token request using the secure credential from a second entity system, a token for use by the second entity system during distributions between the user and the second entity system.
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公开(公告)号：US12033102B2
公开(公告)日：2024-07-09
申请号：US17527812
申请日：2021-11-16
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jeetendra Hukmichand Jain , Heather Roseann Dolan
IPC: G06Q10/0631 , G06F16/903 , G06Q20/38
CPC classification number: G06Q10/06315 , G06F16/90335 , G06Q20/386
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an approach for resource transfer monitoring and authorization. The system is configured to receive resource transfer stop criteria and store the resource transfer stop criteria. The system is configured to execute a query of a record keeping repository and identify one or more resource transfers in the record keeping repository which violate the resource transfer stop criteria. The system then flags the resource transfers which violate the resource transfer stop criteria. Thereafter, the system issues a resource credit and transmits a notification to the user.
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公开(公告)号：US20230274266A1
公开(公告)日：2023-08-31
申请号：US17680585
申请日：2022-02-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jeetendra Hukmichand Jain
CPC classification number: G06Q20/3821 , G06Q20/3674 , G06Q20/108
Abstract: Systems, computer program products, and methods are described herein for electronic tokenization of resource distribution instruments. The present invention may be configured to receive, from a first entity channel, a request for a secure credential for a resource distribution instrument, where the first entity channel received the request from a user device associated with a user. The present invention may be configured to generate, in response to receiving the request, the secure credential and provide, to a resource distribution instrument network, the secure credential and instructions to configure the resource distribution instrument network. The instructions may configure the resource distribution instrument network to provide, in response to receiving a token request using the secure credential from a second entity system, a token for use by the second entity system during distributions between the user and the second entity system.
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公开(公告)号：US20240257085A1
公开(公告)日：2024-08-01
申请号：US18161667
申请日：2023-01-30
Applicant: Bank of America Corporation
Inventor： Jesika Gandhi , Jeetendra Hukmichand Jain
CPC classification number: G06Q20/108 , G06Q20/351
Abstract: Various aspects of the disclosure relate to creation, management, and use of electronic payment tokens to facilitate coordination of payments for products and/or services. A payment token account system may facilitate creation of a payment token account and an associated payment token to electronically receive deposit from one or more sources and to complete an electronic payment transaction. Each payment token may be separately enabled and disabled and may be associated as a backup to another payment account to ensure a payment transaction may be completed when a payment network associated with the payment account is down or otherwise unavailable.
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公开(公告)号：US11449812B2
公开(公告)日：2022-09-20
申请号：US16938417
申请日：2020-07-24
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jeetendra Hukmichand Jain , Saurabh Mavani
IPC: G06Q10/06
Abstract: Systems, computer program products, and methods are described herein for establishment and dynamic adjustment of control parameters associated with resource distribution. The present invention may be configured to determine, based on historical data of resource distributions, suggested control parameters for resource distributions associated with a source associated with a user and provide the suggested control parameters to the user. The present invention may be configured to receive, after providing the suggested control parameters to the user, user input identifying user-defined control parameters. The present invention may be configured to receive a request to authorize a resource distribution, determine, based on the user-defined control parameters, whether the resource distribution is permitted, and authorize, based on determining that the resource distribution is permitted, the resource distribution.
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公开(公告)号：US20220114597A1
公开(公告)日：2022-04-14
申请号：US17066773
申请日：2020-10-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Jeetendra Hukmichand Jain
IPC: G06Q20/42 , G06F9/50 , H04L29/06 , G06Q30/00 , G06Q40/00 , G06Q40/02 , G06Q20/10 , G06Q20/40 , G06Q20/32 , G06Q20/38
Abstract: Systems, computer program products, and methods are described herein for dynamically re-authenticating a virtual resource. The present invention is configured to receive an indication that a user has initiated an execution of one or more resource transfer requests using a virtual resource; determine one or more resource usage metrics associated with the virtual resource; determine one or more conditions associated with the use of the virtual resource; determine that the one or more resource usage metrics meets the one or more conditions associated with the use of the virtual resource; automatically initiate a virtual resource re-authentication protocol; transmit an authentication request to re-authenticate the virtual resource; receive an authentication response from the user in response to the authentication request; and re-authenticate the virtual resource based on at least validating the authentication response received from the user.
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公开(公告)号：US10965548B2
公开(公告)日：2021-03-30
申请号：US16800876
申请日：2020-02-25
Applicant: BANK OF AMERICA CORPORATION
Inventor： Joseph Benjamin Castinado , Jeetendra Hukmichand Jain
Abstract: Embodiments of the invention provide systems, computer program products, and methods for a network operational decisional engine (NODE) to allow individual users to set resource distribution constraints on various accounts over a number of different networks. By providing a centralized user interface and storing and tracking user configuration and account data, the invention recognizes and filters resource distribution requests based on operational decisions as specified by users in order to provide increased control over the authorization or denial of resource distribution requests. The NODE provides the ability to proactively control resource distribution constraints before requests for resource distribution are initiated, and allows for tailored operational decisions to be easily implemented based on a wide range of user-defined criteria.
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公开(公告)号：US20240275595A1
公开(公告)日：2024-08-15
申请号：US18107710
申请日：2023-02-09
Applicant: Bank of America Corporation
Inventor： Jeetendra Hukmichand Jain , Bradley Holland , James Loney , Vineet Agarwal
IPC: H04L9/32
CPC classification number: H04L9/3213 , H04L9/3228
Abstract: Aspects of the disclosure relate to virtual tokens. A computing platform may generate a domain specific token, corresponding to a card number and having an approved users list. The computing platform may receive, from a first enterprise device corresponding to a first enterprise, card information of a card. The computing platform may identify that tokenization of the card information is approved by a second enterprise corresponding to the card. Based on identifying that the tokenization is approved, the computing platform may modify the approved users list to include the first enterprise. The computing platform may send, to the first enterprise device, the first domain specific token, where the computing platform is configured to validate an event processing request based on receipt of the first domain specific token from the first enterprise device.
