Bank of America Corporation

James Heddleson

Michelle Davis Nichols

Todd Atwood

Willard H Waldron, Iii

Felix A Mon

Julie Kisselburg Johnson

Mark Waggoner

Manu Jacob Kurian

Amy Baker Folk

Cameron Darnell Wadley

Donald Joseph Cardinal

Veralyn Dee Hensley

Richard McKinnon

Elizabeth Votaw

Daniel Christopher Bohen

Morgan Stewart Allen

Ashish Arora

Russell Kendall

Wallace Webster, Ii

Karen Garnett

Monika Kapur

William P Jacobson

Lowell Robert Huff

Steve Crowley

Dan Bohen

Steve Cargle

Russel Kendall

A flexible testing environment may include requesting an allocation of resources and testing characteristics of a project, verifying the testing characteristics, registering the project for testing, determining whether resources can be allocated for testing based on the testing characteristics and available resources, and allocating resources based on the testing characteristics and available resources. During testing of the project, the system may receive changes to the testing characteristics of the project, thereby causing adjustments to the allocated resources based on the updated testing characteristics. In certain embodiments, testing characteristics may closely approximate the resources employed by the project in a live production environment.

Flexible testing environment using a cloud infrastructure&#x2014;cloud technology

A network authentication device that includes an authentication engine in signal communication with a network interface. The authentication engine is configured to receive an authentication key request from a first user device that identifies an account linked with a first user and a second user device. The authentication engine is configured to generate an authentication key and to establish a first set of authentication rules for the first user and a second set of authentication rules for the second user. The authentication engine is configured to generate a first authentication key fragment comprising a first portion of the authentication key and a second authentication key fragment comprising a second portion of the authentication key and to send the first authentication key fragment to the first user device and the second authentication key fragment to the second user device.

Multifactor network authentication

A network authentication device that includes an authentication engine. The authentication engine is configured to receive an authentication key request from a user device that identifies an account. The authentication engine is configured to obtain an authentication key and to establish a first set of authentication rules for the authentication key. The authentication engine is configured to identify one or more triggering events associated with an increased threat to the account and to establish a second set of authentication rules for the authentication key. The authentication engine is configured to perform key validation for the authentication key using the first set of authentication rules and to send the authentication key to the user device. The authentication engine is configured to detect a triggering event from the one or more triggering events has occurred and perform the key validation for the authentication key using the second set of authentication rules.

Self-adjusting multifactor network authentication

Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.

Organic light emitting diode ('OLED') universal plastic

A four-pane, two-sided OLED teller window is provided. The teller window may include a first OLED pane, a second OLED pane, a third OLED pane, a fourth OLED pane, a first configurably-opaque layer and a second configurably-opaque layer. The first OLED pane may face a first direction. The third OLED pane may face a second direction. The first direction and the second direction may be substantially opposite directions. The first configurably-opaque layer may be located in between the first OLED pane and the third OLED pane. The second OLED pane may face the first direction. The fourth OLED pane may face the second direction. The second configurably-opaque layer may be located in between the second OLED pane and the fourth OLED pane. The first OLED pane and the second OLED pane may be situated side-by-side. The third OLED pane and the fourth OLED pane may be situation side-by-side.

OLED ('organic light emitting diode') teller windows

Method and apparatus for OLED-based displays are provided. Methods may include receiving card identification from a contactless communications chip at an OLED-based foldable display. Methods may include receiving a handwritten signature at a pressure-sensitive portion on the display. Methods may include transmitting the card identification information to a secure entity hub. Methods may include receiving a packet from the secure entity hub. The packet may include the identification number, an acceptance of the handwritten signature and card blank information. Methods may include activating a card blank attached to the display with card blank information. Methods may include transmitting a second packet to the secure entity hub comprising the identification number and a message that the card blank has been activated.

Organic light emitting diode ('OLED')-based displays

A transport carrier (i.e., an armored vehicle or any mode of transportation) may be equipped with cash storage and recycling capabilities. The transport carrier may be equipped to replenish funds as needed and/or pick up a surplus of funds. The transport carrier may be in communication with a financial institution and/or a central server. In some arrangements, the central server may dynamically route the transport carrier to cash handling devices as various locations in order to efficiently meet the needs of the devices and associated clients.

System and method of providing replenishment and pick-up services to one or more cash handling devices

An electronic process to capture, track and monitor unique identifying information regarding automated teller machine (ATM) deposits. ATMs equipped with radio-frequency identification (RFID) or other remote identification technology may enable the electronic transfer of key data elements to general ledger and asset tracking processing systems.

Remote identification equipped self-service monetary item handling device

An aspect of the invention provides methods and computer media to support on-demand transportation shipments, supply order requests, change orders, and reports. A bank and business partners may coordinate so that a client can schedule pickups of deposits, delivery of change orders, transportation shipments, and reports. When at least one deposit is created at a banking center for one or more banking customers and an aggregate deposit amount exceeds a predetermined amount, an on-demand pickup of the deposits at the banking center is automatically requested. Also, an on-demand pickup of deposits may be automatically requested at a bank customer's location when the aggregate deposit amount exceeds a predetermined threshold. Moreover, an on-demand change, supply order, or report order may be automatically submitted when available cash is below a predetermined threshold. The available cash may be based on a total amount of cash or on a currency denomination amount.

On-demand cash transport

Providing earlier funds availability or a line of credit for a deposit or other monetary package reported to be in a cash supply chain. Later, when the deposit physically arrives at a bank vault, then the actual amount of the deposit is reconciled against the accelerated funds or line of credit previously made available. The amount of accelerated funds or line of credit made available may be based upon the amount scheduled to be deposited, as well as a risk score for the customer making the deposit and/or for the transaction being made.

Extension of credit for monetary items still in transport

A method for predicting future cash supply chain status includes tracking a plurality of monetary packages as they move along a cash supply chain. An quantity of monetary items that is estimated to arrive at a point along the cash supply chain on a future day, can be determined, based on tracking the monetary packages. Actions can then be taken based on the estimated quantity of monetary items. The calculation may be further based on expected positions of additional future monetary packages that are scheduled or predicted, based on history, to be received into the cash supply chain.

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Charlotte, NC, United States of America

James Heddleson