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

Faith A Tucker

Charles R Liu

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

Frank Digangi

Scott R Enscoe

Marc Lance Warshawsky

Audrey L Longfellow

Ivory Assan

Shira Bauman

Shuangshuang Li

Gabriela Moreno Cesar

James Robert Grimsley

Susan Smith Thomas

Jonathan Austin Hartsell

Daniel Sanford

Jon Robert Wolf

Wanwen Han

Rajat Agrawal

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

Jonathan Baker

Lisa D Curry

Matthew N Wheeler

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

Systems, apparatuses, methods, and computer program products are disclosed for securely facilitating a package transfer between parties. An example method includes receiving a package offer indication and providing a control signal to a storage locker compartment of a storage locker in response to determining a package drop-off indication. The example method may further include generating a package purchase data object and determining a package sale indication associated with the package offer indication. The example method may further include providing a control signal to the storage locker compartment housing a package associated with the package offer indication in response to determining a package pick-up indication and updating the package purchase data object based on the package sale indication. The example method may further include transmitting a payment to a seller account based on the package purchase data object in response to a payment trigger event.

Method, apparatus, and computer program product for secure facilitation of package transfer

Systems and methods for customer-specific content delivery via an automated teller machine (ATM) may include one or more server(s) which receive, from an ATM, data indicative of a user profile corresponding to a user of the ATM, the user performing a transaction via the ATM; identify a transaction history associated with the user profile; determine, via one or more first machine learning models hosted on the one or more servers, a context corresponding to at least one transaction of the transaction history; generate, via one or more second machine learning models, a content item according to the context determined by the one or more first machine learning models; and transmit the content item for display by the ATM to the user, the ATM displaying the content item for at least a portion of a duration in which the transaction is performed via the ATM.

Systems and methods for customer-specific content delivery via ATM

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

Growing community of inventors

Charlotte, NC, United States of America

Carrie Anne Hanson