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:
Jun. 06, 2023

Filed:

Apr. 01, 2020
Applicant:

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

Inventors:

Joseph Benjamin Castinado, North Glenn, CO (US);

Paulette LaShon Bryant, Charlotte, NC (US);

Kathleen Hanko Trombley, Oakboro, NC (US);

Therese Humburg Willis, Apopka, FL (US);

Paul Benton Murphy, Tigard, OR (US);

Lee Ann Proud, Ponte Vedra, FL (US);

Assignee:

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

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06F 9/50 (2006.01); H04L 9/40 (2022.01); G06Q 20/02 (2012.01); H04L 51/066 (2022.01); H04L 67/565 (2022.01);
U.S. Cl.
CPC ...
G06F 9/5005 (2013.01); G06Q 20/023 (2013.01); H04L 63/08 (2013.01); G06F 2209/503 (2013.01); H04L 51/066 (2013.01); H04L 67/565 (2022.05);
Abstract

Embodiments of the invention are directed to a system, method, or computer program product generation and analysis of real-time resource requests via a resource platform. A resource platform is provided for receiving and automating the management and processing of resource requests submitted by entities or users. The system embraces a fully digital approach to resource request processing, analysis, authentication, and reporting. In addition, the invention allows for analysis of reconciliation data of executed resource transfers for identification of useful trends that can be used for proactive accommodation of entity policies to align with perceived user preferences.


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