Bank of America Corporation

Other

Rick A Beye

Monika Kapur

Rahul Isola

Scott Anderson Sims

James McCormack

Konstantin Shushkovsky

Karrin A Russo

A Ugur Tigli

Ramitha Jaya Kumar

Yonatan A Teitz

Vamshi Chilukamari

Ran Bi

Aspects of the disclosure are directed to protecting individual privacy during a service transaction. The mobile device identity is separated from the individual's identity when the individual is consuming the provided services. One aspect enables the connection between the individual's identity and the mobile device identifiers to be broken by binding ownership of the physical device to a separate entity called the privacy provider service (PPS). With one aspect a computing platform supports communications between a PPS device and another computing device by supporting a communications token. When the PPS device transfers the communication token to the other device, the other device can submit the communications token to the computing platform. The platform subsequently establishes a communication channel among the devices and the platform so that the device identities are masked from each other. Other aspects support other service transaction types including payment transfers and consumption of internet application services.

Privacy as a service

Aspects of the disclosure relate to identity protection in event processing. A computing platform may modify a first distributed ledger to include user PII. The computing platform may generate an internal token representative of an identity for the user and an external token that may be used to process an event between the user and a counter party without exposing any user identity. The computing platform may send the external token to a counter party system. The computing platform may receive, from the counter party system, event processing information. The computing platform may store the event processing information and the external token in a second distributed ledger. The computing platform may receive a request for the event processing information, and may identify the internal/external tokens using the first distributed ledger. The computing platform may identify, using the external token, the event processing information stored on the second distributed ledger.

Identity vault system using distributed ledgers for event processing

Aspects of the disclosure relate to authorizing an event by utilizing a high generation cellular network to authenticate a device associated with the event. A computing platform may receive, from a first device, a request to authorize an event. Subsequently, the computing platform may identify, based on an analysis of location data, that a second device is proximate to the first device. The computing platform may then prompt the second device to authenticate the first device. Then, the computing platform may receive, from the second device, an authentication token indicating whether the first device is authenticated. Based on the authentication token, the computing platform may respond to the request to authorize the event.

Utilizing a high generation cellular network to authorize an event

Apparatus and methods for securing mobile payments during periods when network connections to a cloud computing environment are unavailable are provided. A mobile device may store one or more transaction maps. The transaction maps may include limitations on where offline payment requests may occur and be approved. Limitations may include monetary limitations on a value of an offline payment request. The mobile device may include a secure location for storing the one or more transaction maps. A transaction map may define one or more logical transaction zone. A logical transaction zone may define geographic limits on offline payment requests.

Mobile electronic wallet system

Embodiments of the present invention provide a system for resource distribution within an offline environment. A merchant device internally stores a repository of reference codes and managing entity public keys that are paired with managing entity private keys. The user requests an amount of resources for offline exchange from the managing entity system. The managing entity system transmits certain authorization and encryption information to a user device. When the user device receives an exchange prompt from the computing device of the merchant through near field communication, it generates a digital token incorporating layers of content encryption ending with a managing entity's private key. The encrypted token and reference code are transmitted via near field communication to the merchant device. The merchant device matches the reference code to the managing entity public key and decrypts portions of the token with the managing entity public key to acquire the usable exchange information.

System for resource distribution within an offline environment

In one or more embodiments, one or more systems, processes, and/or methods may receive, via a network, a multiple positions corresponding to multiple physical locations of a consumer device, may receive, via the network, a position of a physical location of a financial transaction device, and may receive a request for a financial transaction, and may determine a transaction authorization based on a path indicated by the multiple positions and the position of the physical location of the financial transaction device. For example, a path and/or track may be established via periodical reports of the position information from the consumer device, which may provide and/or indicate an authenticity metric and/or a validity metric to a current position attribute when the current position attribute is utilized in a financial transaction.

System and method of managing computing resources

In one or more embodiments, one or more systems, processes, and/or methods may receive a first data stream and determine a pattern from the first data stream. At least one rule set based at least on the pattern may be determined. A second data stream, different from the first data stream may be received and entities may be determined, where each of the entities may be associated with respective data of the second data stream that satisfies the at least one rule set. At least one data object of the second data stream may be tagged, in response to determining the entities. In one or more embodiments, tagging the at least one data object may associate the at least one data object with at least one of the entities.

System and method of managing data in a distributed computing environment

Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. The dynamic credential selection and implementation system is triggered by the user signaling the system of a proposed transaction. The system requests updated resource characteristics from resource managers. The user profile, resource characteristics and transaction characteristics are evaluated and ranked by the dynamic credential selection and implementation system before completion of the transaction, which in some embodiments requires user approval of the selected resource.

Intelligent credential selection system

The Personal Video Tutor invention is a new educational presentation procedure which promotes the mechanization of the educational process through the use of video display devices. It involves the simultaneous and constant display of the instructor/tutor's visage, superimposed in a readily discernable way, over and along with the display of the educational material which is to be assimilated or learned by the student. The instructor/tutor's 'live' image is captured and positioned so as to create the sensation that the student is being individually tutored in a non-threatening, conversational manner. The image may be scalably enlarged or reduced and position anywhere on the display.

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Highland Beach, FL, United States of America

Rick A Beye