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:
Aug. 10, 2021

Filed:

Jun. 20, 2019
Applicant:

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

Inventors:

Katherine Dintenfass, Lincoln, RI (US);

Alicia C. Jones-McFadden, Fort Mill, SC (US);

Assignee:

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

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/02 (2012.01); G06Q 20/38 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/4014 (2013.01); G06Q 20/02 (2013.01); G06Q 20/388 (2013.01);
Abstract

An interaction and resource exchange system that provides authentication for a designated user to complete an interaction entered into by an initiating user. An initiating user is able to enter into interactions with third-parties and set one or more interaction limits and/or designated user requirements to allow a designated user to complete the interaction with the third-party should interaction limits and/or designated user requirements be met. The interaction limits and/or the designated user requirements allow for improved security related to these types of interactions and resource exchanges. In particular, the interaction and resource exchange may be implemented through a real-time resource exchange network that efficiently allows for the designated user to complete the interaction.


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