公开(公告)号：US20190364046A1

公开(公告)日：2019-11-28

申请号：US15987600

申请日：2018-05-23

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu J. Kurian ,  Joseph B. Castinado

IPC: H04L29/06 ,  H04L9/06 ,  G06F17/30

Abstract: An access control system that includes Internet of Things sensors and a controller within a controlled area. The controller is configured to detect a guest device for a guest, to identify a sponsor associated with the guest, and to identify a sponsor block chain account for the sponsor. The controller is configured to publish an access control contract to the block chain that includes executable instructions for publishing a transaction in the block chain transferring credits from the sponsor block chain account to a vendor block chain account and conditions linked with the instructions. The controller is configured to receive an access request, to determine whether the conditions have been satisfied, and to send a trigger message that triggers the access control contract to execute the instructions in response to determining the conditions have been satisfied.

公开(公告)号：US10460385B2

公开(公告)日：2019-10-29

申请号：US14847515

申请日：2015-09-08

Applicant: Bank of America Corporation

Inventor： Joseph B. Castinado ,  Bonnie L. Dolan

IPC: G06Q40/00 ,  G06Q40/02

Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.

公开(公告)号：US10275772B2

公开(公告)日：2019-04-30

申请号：US14305916

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q20/40 ,  G06Q20/06 ,  G06Q20/38

Abstract: 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.

公开(公告)号：US09836790B2

公开(公告)日：2017-12-05

申请号：US14305797

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q40/04

CPC classification number: G06Q40/04

Abstract: A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.

公开(公告)号：US20170068936A1

公开(公告)日：2017-03-09

申请号：US14847378

申请日：2015-09-08

Applicant: Bank of America Corporation

Inventor： Charles R. Kendall ,  Joseph B. Castinado ,  Bonnie L. Dolan

IPC: G06Q20/04 ,  G06Q20/42 ,  G06Q20/40 ,  G06Q20/02 ,  G06Q20/26

CPC classification number: G06Q20/042 ,  G06Q20/023 ,  G06Q20/26 ,  G06Q20/405 ,  G06Q20/42

Abstract: 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.

Abstract translation: 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。

公开(公告)号：US20150363876A1

公开(公告)日：2015-12-17

申请号：US14305797

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin ,  Richard H. Thomas

IPC: G06Q40/04

CPC classification number: G06Q40/04

Abstract: A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.

Abstract translation: 系统包括可操作以存储客户账户，第一浮动账户和第二浮动账户的存储器。 系统还包括通信地耦合到存储器的处理器。 处理器可以接收货币兑换的电子请求，并确定用于交换第二货币的第一货币的汇率。 处理器还可以确定最佳的汇率。 响应于确定最佳汇率，处理器可以确定第一货币的第一数量并将第一金额与客户账户相关联。 处理器还可以将第一货币的第一数量转移到第一浮动账户中并确定第二货币的第二数量。 处理器还能够将第二数量与第二浮动账户相关联，并将第二货币的第二数量转移给客户。

公开(公告)号：US20150363770A1

公开(公告)日：2015-12-17

申请号：US14305893

申请日：2014-06-16

Applicant: Bank of America Corporation

Inventor： James G. Ronca ,  Joseph B. Castinado ,  Heather Dolan ,  Thomas E. Durbin

IPC: G06Q20/38 ,  G06Q20/36 ,  G06Q20/10

CPC classification number: G06Q20/382 ,  G06Q20/10 ,  G06Q20/3672 ,  G06Q2220/00

Abstract: A system comprises a memory operable to store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able encode cryptocurrency information associated with the customer account onto a payment instrument. The processor is also able to receive a request for a cryptocurrency transaction from the customer using the payment instrument. In response to receiving the request, the processor is able to determine cryptocurrency information associated with the customer account and determine cryptocurrency information associated with a recipient. The processor is further able to associate the first amount of cryptocurrency with the customer account and initiate a transfer of the first amount of cryptocurrency to an account associated with the recipient.

Abstract translation: 系统包括可操作地存储与客户相关联的客户帐户的存储器和通信地耦合到存储器的处理器。 处理器能够将与客户帐户相关联的加密资讯信息编码到付款工具上。 该处理器还能够使用支付工具从客户端接收到一个隐式货币交易的请求。 响应于接收到请求，处理器能够确定与客户帐户相关联的密码学信息，并确定与接收者相关联的密码学信息。 处理器还能够将第一数量的密码学与客户帐户相关联并且发起第一数量的密码学的转移到与接收者相关联的帐户。

公开(公告)号：US20150199657A1

公开(公告)日：2015-07-16

申请号：US14176649

申请日：2014-02-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph B. Castinado ,  Akshaya Negi

IPC: G06Q20/02 ,  G06Q20/40

CPC classification number: G06Q20/023 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/401

Abstract: According to some embodiments, a system comprises one or more processors associated with a financial institution. The financial institution provides a financial account for a user. The system also comprises a dedicated interface between the financial institution and an electronic payment service external to the financial institution. The electronic payment service provides a virtual account for the user. The one or more processors are configured to determine when the user requests a financial transaction to transfer funds from a source to a destination (one of which corresponds to the virtual account), validate the financial transaction based on data received from the electronic payment service over the dedicated interface, and transfer the funds to the destination. The funds are transferred prior to hard-posting such that the funds become available at the destination in real-time while the financial transaction is pending.

Abstract translation: 根据一些实施例，系统包括与金融机构相关联的一个或多个处理器。 金融机构为用户提供财务账户。 该系统还包括金融机构与金融机构外部的电子支付服务之间的专用接口。 电子支付服务为用户提供虚拟帐户。 一个或多个处理器被配置为确定用户何时请求金融交易以将资金从源转移到目的地（其中一个对应于虚拟帐户），基于从电子支付服务接收的数据验证金融交易 专用接口，并将资金转移到目的地。 资金在硬发前进行转账，以便在金融交易正在等待的时候实时获得目的地的资金。

公开(公告)号：US09083702B2

公开(公告)日：2015-07-14

申请号：US13920511

申请日：2013-06-18

Applicant: Bank of America Corporation

Inventor： William J. Wied ,  Matthew L. Donlan ,  Jason D. Parrish ,  Joseph B. Castinado ,  Jason R. Bradshaw ,  Christopher T. Hart

IPC: H04L29/06 ,  H04L9/32 ,  G06F21/33

CPC classification number: H04L63/0846 ,  G06F21/335 ,  H04L9/3228 ,  H04L63/0815 ,  H04L63/0823

Abstract: In certain embodiments, a system for providing internal services to third party enterprises comprises a memory module operable to store credentials associated with each of a plurality of third party enterprises, an interface module operable to receive a service request associated with a particular third party enterprise, the service request including a token associated with the particular third party enterprise, and a processing module operable to validate the particular third party enterprise, determine a particular internal service offered by an enterprise that is the subject of the service request, the interface module further operable to forward the service request to the particular internal service, receive results corresponding to the service request generated by the particular internal service, and communicate the results corresponding to the service request to the particular third party enterprise, and the memory module further operable to store the results corresponding to the service request.

Abstract translation: 在某些实施例中，用于向第三方企业提供内部服务的系统包括可操作以存储与多个第三方企业中的每一个相关联的凭证的存储器模块，可操作以接收与特定第三方企业相关联的服务请求的接口模块， 所述服务请求包括与所述特定第三方企业相关联的令牌，以及可操作以验证所述特定第三方企业的确定由作为所述服务请求的对象的企业提供的特定内部服务的处理模块，所述接口模块进一步可操作 将所述服务请求转发到所述特定内部服务，接收与所述特定内部服务生成的服务请求对应的结果，并将与所述服务请求相对应的结果传达给所述特定第三方企业，并且所述存储器模块还可操作以存储 结果对应于 服务请求。

公开(公告)号：US20150032601A1

公开(公告)日：2015-01-29

申请号：US13949798

申请日：2013-07-24

Applicant: Bank of America Corporation

Inventor： Joseph B. Castinado ,  Gregory G. Farr ,  Richard H. Thomas ,  Shilpoo Agrawal ,  Matthew J. Stowell ,  Bonnie L. Dolan ,  Ganesan Muthukrishnan

IPC: G06Q20/22

CPC classification number: G06Q20/227

Abstract: 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 associated with an entity, 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, the one or more interfaces further operable to receive a service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity, the one or more processors further operable to determine one or more second of the plurality of accounts associated with the entity, and filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts.

Abstract translation: 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接口，可操作以接收与实体相关联的多个帐户的访问凭证，一个或多个处理器通信地耦合到所述一个或多个接口中的至少一个， 或多个处理器，其可操作以访问来自所述多个帐户的帐户数据，所述一个或多个接口还可操作以从用户接收服务请求，以执行涉及与所述实体相关联的所述多个账户中的第一个账户的资金转移，所述一个或多个 更多的处理器进一步可操作以确定与实体相关联的多个帐户中的一个或多个第二帐户，并且基于与一个或多个第二帐户相关联的资金转移限制来过滤该多个帐户中的一个或多个第二帐户，以确定一个或多个 建议账户。