Bank of America Corporation

Wells Fargo Bank, N.a.

Carrie Anne Hanson

David M Grigg

Elizabeth Votaw

Joseph Neil Johansen

Charles Jason Burrell

Michael E Toth

Peter John Bertanzetti

Alicia C Jones

Katherine Dintenfass

Alicia C Jones-McFadden

Richard Andrew Starbuck

Hood Qaim-Maqami

Cameron Darnell Wadley

Daralyn Marie Nicholson

Matthew Alexander Calman

Craig Sobol

Brent Alan Shelkey

Leo Kopelow

Alexander C Wittkowski

Brett Newman

Michael Patrick Lynch

Nicole Chen

Yameng Li

Nicholas Sharp

Matthew Hsieh

Laura Corinne Bondesen

Davindar S Gill

Charles R Liu

Faith A Tucker

Sharon Scanlon

Thomas M Hancock

Daniel A Carretta

Karen K Lewy

Sheryl W Strott

Jack Meyers

Debashis Ghosh

Daniel Lynn Carpenter

Kimberly Ya-chin Chang

Sarah Beth Gottfried

Wang Liang

Neha Rani Rathi

Anthony Scott Wong

Jason P Blackhurst

Scott R Enscoe

Marc Lance Warshawsky

Audrey L Longfellow

Ivory Assan

Shira Bauman

Shuangshuang Li

Gabriela Moreno Cesar

Frank Digangi

James Robert Grimsley

Susan Smith Thomas

Jonathan Austin Hartsell

Daniel Sanford

Jon Robert Wolf

Rajat Agrawal

Wanwen Han

Su Liu

Cameron Jungeun Park-Hur

Nir Rachmel

Lynn Streja

Jade Michelle Le Vo-Dinh

Kim Stittsworth

Dennis Emmanuel Montenegro

Benjamin Soccorsy

Erik Stephen Ross

Shane Anthony Johnson

Bradford A Shea

Nathan Dent

Matthew K Bryant

Tambra Nichols

Daniel David

Jason Huang

Benjamin S Taylor

Sadie Salim

William E Wheeler

Nicholas J Munson

Lisa D Curry

Philip Sprague

Matthew Pearce

Shari Van Cleave

Jason V Biala

Russell B Lewis

Don Cardinal

Huanchee Chan

Craig Moore

Aparna M Dave

Paul W Mussell

Johnny David Phillips

Eileen S Dunlap

Todd Michael Ferrara

Michael P Toner

Lauren Leigh Dearth

Philip Alan Cravitz

Jeff Parker

Andrew Struck-Marcell

Frank A DiGangi

Jasim Ahamed Pattani Sirajudeen

Dawn Sasse

A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter; match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter; provide the physical currency transaction request to a second user device associated with the another physical currency transaction request; geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device; determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request; and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.

Real-time currency exchange system

Systems and techniques may generally be used to integrate automated teller machine (ATM) functions into one or more fuel pumps at a gas station. An example system may include a media transfer slot and a display screen to present a fuel pump prompt and an automated teller machine (ATM) prompt. The example system may cause a fuel to be dispensed when the fuel pump prompt is selected. The example system may cause the media transfer slot to activate when the ATM prompt is selected.

Automated teller machine fuel pump

A method may include receiving, over a first wired phone line interface of a computing device, a telephone call with an originating call identification; passing the telephone call to an attached phone over a second wired phone line interface; matching, at the computing device, the originating call identification to a number list of a plurality of number lists; based on the number list, assigning, using the computing device, the telephone call a threat level; and presenting, on a display device of the computing device, an identification of the threat level.

Telephonic fraud communication interception systems and methods

Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Enhanced accessibility using wearable computing devices

System, apparatus, and computer program products are disclosed for protected display of a requested user interface. In one aspect, a method includes receiving a protected mode display request to display the requested user interface in a protected mode, wherein the requested user interface comprises a plurality of data values; in response to the protected mode display request: (i) retrieving a data protection template for the protected mode display request, (ii) determining, based on the data protection template, one or more protected data values of the plurality of data values and one or more unprotected data values of the plurality of data values, (iii) for each protected data value, generating a masked representation, and (iv) generating a masked user interface that comprises: (a) each unprotected data value, and (b) each masked data value; and causing the masked user interface to be presented using a display device.

Protected display of a requested user interface

A computer system for implementing a non-fungible token (NFT) as a payment object in a metaverse space. The system includes one or more processors and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to create: a mint engine programmed to generate an NFT having a unique visual appearance, the NFT being associated with a currency account and including an authorization credential for the currency account; a ledger engine programmed to maintain the NFT on a ledger; a wallet engine programmed to generate a presentation of the NFT in response to a user request, wherein the presentation includes the visual appearance of the NFT to provide a visual representation of the authorization credential; and a transaction engine programmed to access the currency account, based on the authorization credential, in response to a payment request.

Representation of payment cards in metaverse

This disclosure describes techniques that include a system for supporting payment, data visibility, action recommendations, and advice pertaining to activities across various commercial entities, applications, and/or consumer/commercial entity relationships. In one example, this disclosure describes a method that includes identifying, by a computing system, interactions with each of a plurality of commercial entities; determining, by the computing system, information about incentive policies for each of the plurality of commercial entities; receiving, by the computing system and from a user device, a request; generate, by the computing system, a recommendation, wherein the recommendation is generated based on the request, the interactions with the plurality of commercial entities, and an analysis of the incentive policies for each of the plurality of commercial entities; output, by the computing system, information about the recommendation to be presented by the user device.

Consumer relationship optimizer

Disclosed are embodiments for pairing wearable electronic devices, such as smart rings. The paired smart rings are configured so as to provide access to certain resources requiring a higher level of security. In some embodiments, a credential is sharable between the two devices. Thus, a bank manager is able to transfer a credential providing access to bank resources to a second bank employee. The bank manager is able to configure is time and/or use limit on the transferred credential. Thus, for example, by transferring the credential, the bank manager is able to delete certain authority to the bank employee while also limiting that authority as appropriate.

Paired smart rings for accessing resources

A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.

Automatic savings program

Systems and methods include a payer user device including a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device, and a digital payment application that detects one or more payee user devices, receives a selection of a payee user device, receives a tokenized identifier that provides a provider computing system information to identify an account associated with a user of the payee user device, and adds the tokenized identifier to a stored list of payees on the payer user device.

Systems and methods for making person-to-person payments via mobile client application

A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter, match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter, provide the physical currency transaction request to a second user device associated with the another physical currency transaction request, geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device, determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request, and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.

A system may be configured to initiate a presentation of a user interface to the user; receive, via the user interface, a user selection of a life event; initiate a presentation of an event information user interface to the user; receive, via the event information user interface, life event information associated with the life event selected by the user; retrieve information associated with the life event selected by the user from substantially similar life events; calculate, in real-time, a life event score associated with the life event selected by the user, wherein the life event score is calculated based on at least a retirement score, the received life event information and the information retrieved from the substantially similar life events; and illustrate, via a retirement score interface in a user device, the retirement score and an impact of the at least one life event selected by the user.

System for sharing retirement scores between social groups of customers

Growing community of inventors

Charlotte, NC, United States of America

Carrie Anne Hanson