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.
Patent No.:
Date of Patent:
Jul. 14, 2026
Filed:
Mar. 15, 2024
Bank of America Corporation, Charlotte, NC (US);
George Anthony Albero, Charlotte, NC (US);
Naga Vamsi Krishna Akkapeddi, Charlotte, NC (US);
Elijah Clark, Charlotte, NC (US);
Sanjay Arjun Lohar, Charlotte, NC (US);
James J. Siekman, Charlotte, NC (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
A dynamic and intelligent token-based resource event facilitation network is disclosed that limits exposure of user data to resource providers virtually located within virtual computing networks. The invention implements a dynamic token generator that is configured to generate tokens that allow a user to negotiate the terms/parameters of a resource event, such as a resource advancement or the like. Each token stores only a distinct portion of the user's attribute data. Negotiation occurs through incremental communication/distribution of the tokens to the resource providers, such that only the minimal amount of user attribute data necessary for a resource provider to meet user-defined rules is communicated to perspective resource providers.