	US 12,113,904 B2
	System for virtualization of non-fungible tokens
Manu Jacob Kurian, Dallas, TX (US); David Smiddy, Chadds Ford, PA (US); and Harold Joseph Kennedy, Winter Park, FL (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Nov. 27, 2023, as Appl. No. 18/520,321.
Application 18/520,321 is a continuation of application No. 17/503,915, filed on Oct. 18, 2021, granted, now 11,902,444.
Prior Publication US 2024/0097904 A1, Mar. 21, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/32 (2006.01); G06F 9/50 (2006.01)

CPC H04L 9/3213 (2013.01) [G06F 9/5027 (2013.01)]

17 Claims

1. A system for virtualization of non-fungible tokens (NFTs), the system comprising:

at least one processing device; and

at least one non-transitory storage device containing instructions that, when executed by the at least one processing device, cause the at least one processing device to:

receive, from a second user input device, a first request to generate the NFT associated with a resource transfer instrument;

generate, using an NFT generator, the NFT associated with the resource transfer instrument;

record the NFT associated with the resource transfer instrument in a distributed ledger;

receive, from the second user input device, a second request to generate a virtual token for the NFT associated with the resource transfer instrument;

generate, using a virtual token generator, the virtual token; and

electronically link the virtual token to the NFT associated with the resource transfer instrument;

receive, via a first user input device, a resource transfer request using the virtual token from a first user;

retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request;

retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument;

receive an authentication credential from the first user;

determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and

authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument.