The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Apr. 27, 2021

Filed:

Oct. 05, 2018
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Brent David Reston, Tiburon, CA (US);

Margaret Winston, San Francisco, CA (US);

Kevin Clark May, Waxhaw, NC (US);

Jeremiah Fairbairn Williams, Fort Mill, SC (US);

Ryan Michael Furey, Charlotte, NC (US);

Michelle Nanette Downie, Weddington, NC (US);

Assignee:

BANK OF AMERICA CORPORATION, Charlotte, NC (US);

Attorneys:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
H04L 29/08 (2006.01); G06Q 30/02 (2012.01); H04L 12/911 (2013.01); G06N 5/02 (2006.01); G06F 9/54 (2006.01); G06Q 40/00 (2012.01); G06F 16/27 (2019.01); H04L 29/06 (2006.01);
U.S. Cl.
CPC ...
H04L 47/70 (2013.01); G06F 9/547 (2013.01); G06N 5/02 (2013.01); G06Q 30/0207 (2013.01); H04L 67/10 (2013.01); H04L 67/14 (2013.01); G06F 16/27 (2019.01); G06Q 40/00 (2013.01); H04L 47/741 (2013.01); H04L 63/08 (2013.01); H04L 67/02 (2013.01); H04L 67/20 (2013.01);
Abstract

Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. For instance, the resource transfer process may be started on a first computing system, which may be a stationary networked terminal. At this point, a record of the resource transfer may be created within the persistent element. The user may thereafter access the persistent element through a second computing system, such as a user device, to resume the resource transfer and complete the remaining steps as necessary.


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