Patents by Inventor Joseph B. Castinado
Joseph B. Castinado has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20230298002Abstract: A conversion engine is provided that bridges gaps between various emerging payment technologies and their respective proprietary ecosystems. The conversion engine may be configured to forward currency received from an ecosystem to an account/digital wallet external to the ecosystem. The conversion engine may accept a fraud alert that triggers tracing of digital wallets that have received any sub-amount of funds transferred by the conversion engine. The conversion engine may flag any digital wallet that includes a sub-amount, prevent any further transfer of the sub-amount and a reverse a transfer of the sub-amount.Type: ApplicationFiled: March 21, 2022Publication date: September 21, 2023Inventors: Samuel M. Moiyallah, JR., Julio Alessandro Vancini, Susan J. Moss, Joseph B. Castinado, Samhitha Devarapally
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Patent number: 11374935Abstract: Embodiments provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for facilitating a person-to-person (P2P) alias-based resource allocation. Embodiments receive an event record associated with a P2P event between a first user and a second user. The event record comprises an alias associated with the first user and/or the second user. A distributed ledger is accessed that is updated based on communications from a block chain distributed network. An alias-to-entity mapping is retrieved from the accessed distributed ledger. The alias-to-entity mapping indicates at least an entity to which the alias is mapped. Based on the mapping the alias is determined to be at least partially valid. In some cases, embodiments determine that the alias corresponds to a resource depository number maintained by the entity in a private ledger and authorizes a resource event associated with the resource event request.Type: GrantFiled: October 9, 2019Date of Patent: June 28, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph B. Castinado, Venkatakrishnan Balasubramanian, Richard Huw Thomas
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Patent number: 11257139Abstract: An apparatus includes a database, memory, and processor. The database stores a purchase history, assigned to a user, that includes records of products and a ticket for travel to a second location on a first date. The memory stores categories, each of which is assigned to weather conditions and includes products for which a positive correlation exists between consumer demand and a presence of one or more weather conditions. The processor determines that the user will be in the second location on a third date and obtains a predicted weather condition at the second location on the third date. The weather condition is assigned to a category including a product. The processor determines that a probability the user has a need for the product is greater than a threshold and sends a product recommendation to the user. The processor receives a purchase request from the user and completes a purchase.Type: GrantFiled: August 28, 2019Date of Patent: February 22, 2022Assignee: Bank of America CorporationInventor: Joseph B. Castinado
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Patent number: 11244389Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.Type: GrantFiled: October 28, 2019Date of Patent: February 8, 2022Assignee: Bank of America CorporationInventors: Joseph B. Castinado, Bonnie L. Dolan
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Patent number: 11182781Abstract: A system that includes a device with a processor is configured to receive a first set of data elements and to obtain an encryption key from a memory. The processor is further configured to encrypt the first set of data elements using the encryption key, to embed the first set of encrypted data elements within a first block for the block chain, and to generate a first encrypted element map identifying the locations of the first set of encrypted data elements within the first block. The processor is further configured to combine the encryption key with the first encrypted element map to generate a creator tag, to encrypt the creator tag, to embed the creator tag within the first block, and to publish the first block to a block chain.Type: GrantFiled: April 18, 2018Date of Patent: November 23, 2021Assignee: Bank of America CorporationInventors: Joseph B. Castinado, Manu J. Kurian
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Publication number: 20210112063Abstract: Embodiments provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for facilitating a person-to-person (P2P) alias-based resource allocation. Embodiments receive an event record associated with a P2P event between a first user and a second user. The event record comprises an alias associated with the first user and/or the second user. A distributed ledger is accessed that is updated based on communications from a block chain distributed network. An alias-to-entity mapping is retrieved from the accessed distributed ledger. The alias-to-entity mapping indicates at least an entity to which the alias is mapped. Based on the mapping the alias is determined to be at least partially valid. In some cases, embodiments determine that the alias corresponds to a resource depository number maintained by the entity in a private ledger and authorizes a resource event associated with the resource event request.Type: ApplicationFiled: October 9, 2019Publication date: April 15, 2021Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph B. Castinado, Venkatakrishnan Balasubramanian, Richard Huw Thomas
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Publication number: 20210065274Abstract: An apparatus includes a database, memory, and processor. The database stores a purchase history, assigned to a user, that includes records of products and a ticket for travel to a second location on a first date. The memory stores categories, each of which is assigned to weather conditions and includes products for which a positive correlation exists between consumer demand and a presence of one or more weather conditions. The processor determines that the user will be in the second location on a third date and obtains a predicted weather condition at the second location on the third date. The weather condition is assigned to a category including a product. The processor determines that a probability the user has a need for the product is greater than a threshold and sends a product recommendation to the user. The processor receives a purchase request from the user and completes a purchase.Type: ApplicationFiled: August 28, 2019Publication date: March 4, 2021Inventor: Joseph B. Castinado
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Patent number: 10817862Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authenticating the use of a wearable device to execute a transaction. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; transmit a pointer associated with the token to a global merchant device; receive an indication from the user to execute a transaction with at least one of the one or more local merchant devices; retrieve information identifying the token; transmit a first notification associated with the transaction to the global merchant device; determine a match between the wearable device and the pointer associated with the token; determine that the user continues to remain in possession of the wearable device; and complete execution of the transaction.Type: GrantFiled: September 1, 2015Date of Patent: October 27, 2020Assignee: Bank of America CorporationInventors: Joseph B. Castinado, Philip Mork, Kimberly Turner
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Patent number: 10621577Abstract: A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.Type: GrantFiled: September 11, 2015Date of Patent: April 14, 2020Assignee: Bank of America CorporationInventors: Joseph B. Castinado, Bonnie L. Dolan, Charles R. Kendall
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Patent number: 10601835Abstract: An access control system that includes Internet of Things sensors and a controller within a controlled area. The controller is configured to detect a guest device for a guest, to identify a sponsor associated with the guest, and to identify a sponsor block chain account for the sponsor. The controller is configured to publish an access control contract to the block chain that includes executable instructions for publishing a transaction in the block chain transferring credits from the sponsor block chain account to a vendor block chain account and conditions linked with the instructions. The controller is configured to receive an access request, to determine whether the conditions have been satisfied, and to send a trigger message that triggers the access control contract to execute the instructions in response to determining the conditions have been satisfied.Type: GrantFiled: May 23, 2018Date of Patent: March 24, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Manu J. Kurian, Joseph B. Castinado
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Publication number: 20200058069Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.Type: ApplicationFiled: October 28, 2019Publication date: February 20, 2020Inventors: Joseph B. Castinado, Bonnie L. Dolan
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Publication number: 20190364046Abstract: An access control system that includes Internet of Things sensors and a controller within a controlled area. The controller is configured to detect a guest device for a guest, to identify a sponsor associated with the guest, and to identify a sponsor block chain account for the sponsor. The controller is configured to publish an access control contract to the block chain that includes executable instructions for publishing a transaction in the block chain transferring credits from the sponsor block chain account to a vendor block chain account and conditions linked with the instructions. The controller is configured to receive an access request, to determine whether the conditions have been satisfied, and to send a trigger message that triggers the access control contract to execute the instructions in response to determining the conditions have been satisfied.Type: ApplicationFiled: May 23, 2018Publication date: November 28, 2019Inventors: Manu J. Kurian, Joseph B. Castinado
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Patent number: 10467713Abstract: A system for communicating property data, comprising one or more memories operable to store a lien data for a plurality of properties, the lien data including: an identification of a lien on a property, an identification of the holder of the lien, and a balance of debt associated with the lien; and one or more operable to receive a property payment request from a requesting party, the property payment request including an identification of a subject property; and one or more processors operable to: determine that the subject property is one of the plurality of properties stored on the one or more memories, determine one or more liens associated with the subject property, and determine the lien holder for each determined lien associated with the subject party.Type: GrantFiled: September 8, 2015Date of Patent: November 5, 2019Assignee: Bank of America CorporationInventors: Joseph B. Castinado, Bonnie L. Dolan
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Patent number: 10460385Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.Type: GrantFiled: September 8, 2015Date of Patent: October 29, 2019Assignee: Bank of America CorporationInventors: Joseph B. Castinado, Bonnie L. Dolan
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Patent number: 10417616Abstract: In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.Type: GrantFiled: September 8, 2015Date of Patent: September 17, 2019Assignee: Bank of America CorporationInventors: Charles R. Kendall, Joseph B. Castinado, Bonnie L. Dolan
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Patent number: 10380681Abstract: In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.Type: GrantFiled: September 8, 2015Date of Patent: August 13, 2019Assignee: Bank of America CorporationInventors: Charles R. Kendall, Joseph B. Castinado, Bonnie L. Dolan
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Patent number: 10325428Abstract: An access control system that includes Internet of Things sensors and a controller within a controlled area. The controller is configured to detect a guest device for a guest, to link a guest block chain account with the guest, to identify a sponsor associated with the guest, and to identify a sponsor block chain account for the sponsor. The controller is further configured to publish an access control contract to the block chain. The access control contract includes executable instructions for publishing a transaction in the block chain transferring a validation token from the sponsor block chain account to the guest block chain account and conditions linked with the executable instructions. The controller is configured to determine whether the conditions have been satisfied and to send a trigger message that triggers the access control contract to execute the instructions in response to determining the conditions have been satisfied.Type: GrantFiled: May 23, 2018Date of Patent: June 18, 2019Assignee: Bank of America CorporationInventors: Manu J. Kurian, Joseph B. Castinado
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Patent number: 10275772Abstract: The system includes a processor operable to receive a request from a customer to perform a cryptocurrency transaction with a third party. The processor may also retrieve block chain information associated with the cryptocurrency transaction. The processor may also determine the amount of cryptocurrency associated with the cryptocurrency transaction. The processor may further calculate a risk score for performing the cryptocurrency transaction based at least in part upon the block chain information and the amount of cryptocurrency.Type: GrantFiled: June 16, 2014Date of Patent: April 30, 2019Assignee: Bank of America CorporationInventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
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Patent number: 10255600Abstract: A system includes a memory that may store a customer account associated with a customer and a processor communicatively coupled to the memory. The processor is able to receive a request to deposit a quantity of cryptocurrency into the customer account and associate the quantity of cryptocurrency with the customer account. The processor is also able to deposit the quantity of cryptocurrency into a vault connected to a network and determine a total quantity of cryptocurrency deposited into the vault. The processor may also, in response to determining the total quantity of cryptocurrency deposited into the vault exceeds a threshold, facilitate the disconnection of the vault from the network.Type: GrantFiled: June 16, 2014Date of Patent: April 9, 2019Assignee: Bank of America CorporationInventors: James G. Ronca, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin
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Patent number: 10158643Abstract: An apparatus including an in-network transfer processor configured to receive a transfer request, a sender token, and a receiver token, to identify an institution associated with a sender based on the sender token, and to identify an institution associated with a receiver based on the receiver token. The in-network transfer processor is configured to facilitate an internal transfer to the sender when the sender and the receiver are the same user and to facilitate an internal transfer to the receiver when the sender and the receiver are different users. The in-network transfer processor is configured to facilitate a transfer to the receiver using service network resources when the membership for the institution associated with the receiver indicates an in-network institution and to facilitate a transfer to the institution associated with the receiver using secondary network resources when the membership for the institution associated with the receiver indicates an out-of-network institution.Type: GrantFiled: May 11, 2016Date of Patent: December 18, 2018Assignee: Bank of America CorporationInventors: Richard H. Thomas, Joseph B. Castinado