# US 12,113,904 B2 · System for virtualization of non-fungible tokens > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,113,904 B2 - Document ID: US12113904B2 - Status: Granted - Kind: B2 - Application number: 18/520,321 - Filed: 2023-11-27 - Published: 2024-03-21 - Granted: 2024-10-08 - Earliest claimed: 2021-10-18 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Manu Jacob Kurian; David Smiddy; Harold Joseph Kennedy - Web page: https://patentgrep.com/patent/US12113904B2 ## CPC - H04L 9/3213: {using tickets or tokens, e.g. Kerberos (network architectures or network communication protocols for entities authentication using tickets in a packet data network H04L63/0807)} - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - G06F 9/5027: {the resource being a machine, e.g. CPUs, Servers, Terminals} - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; 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. ## Claims ### Claim 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. ### Claim 2 (depends on 1) The system of claim 1, wherein the at least one processing device is further configured to: retrieve one or more resource transfer parameters associated with the virtual token; determine that the resource transfer request meets the one or more resource transfer parameters; and authorize the resource transfer request based on at least determining that the resource transfer request meets the one or more resource transfer parameters. ### Claim 3 (depends on 1) The system of claim 1, wherein recording the NFT associated with the resource transfer instrument on the distributed ledger further comprises: generating a first transaction object for the NFT associated with the resource transfer instrument; and deploying the first transaction object on the distributed ledger. ### Claim 4 (depends on 3) The system of claim 3, wherein deploying the first transaction object further comprises: capturing a distributed ledger address associated with the recording; generating a notification indicating that the first transaction object has been created for the NFT associated with the resource transfer instrument in the distributed ledger, wherein the notification comprises at least the distributed ledger address; and transmitting control signals configured to cause the second user input device to display the notification. ### Claim 5 (depends on 1) The system of claim 1, wherein electronically linking the virtual token to the NFT associated with the resource transfer instrument further comprises: generating, using the NFT generator, a second metadata layer for the NFT associated with the resource transfer instrument; and storing a virtual token identifier for the virtual token in the second metadata layer. ### Claim 6 (depends on 5) The system of claim 5, wherein the at least one processing device is further configured to: receive, from the second user input device, the NFT credential descriptor for the virtual token; generate, using the NFT generator, the first metadata layer for the NFT associated with the resource transfer instrument; and store the NFT credential descriptor for the virtual token in the first metadata layer. ### Claim 7 A computer program product for virtualization of non-fungible tokens (NFTs), the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus 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 a 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. ### Claim 8 (depends on 7) The computer program product of claim 7, wherein the first apparatus is further configured to: retrieve one or more resource transfer parameters associated with the virtual token; determine that the resource transfer request meets the one or more resource transfer parameters; and authorize the resource transfer request based on at least determining that the resource transfer request meets the one or more resource transfer parameters. ### Claim 9 (depends on 7) The computer program product of claim 7, wherein recording the NFT associated with the resource transfer instrument on the distributed ledger further comprises: generating a first transaction object for the NFT associated with the resource transfer instrument; and deploying the first transaction object on the distributed ledger. ### Claim 10 (depends on 9) The computer program product of claim 9, wherein deploying the first transaction object further comprises: capturing a distributed ledger address associated with the recording; generating a notification indicating that the first transaction object has been created for the NFT associated with the resource transfer instrument in the distributed ledger, wherein the notification comprises at least the distributed ledger address; and transmitting control signals configured to cause the second user input device to display the notification. ### Claim 11 (depends on 7) The computer program product of claim 7, wherein electronically linking the virtual token to the NFT associated with the resource transfer instrument further comprises: generating, using the NFT generator, a second metadata layer for the NFT associated with the resource transfer instrument; and storing a virtual token identifier for the virtual token in the second metadata layer. ### Claim 12 (depends on 11) The computer program product of claim 11, wherein the first apparatus is further configured to: receive, from the second user input device, the NFT credential descriptor for the virtual token; generate, using the NFT generator, the first metadata layer for the NFT associated with the resource transfer instrument; and store the NFT credential descriptor for the virtual token in the first metadata layer. ### Claim 13 A method for virtualization of non-fungible tokens (NFTs), the method comprising: receiving, from a second user input device, a first request to generate the NFT associated with a resource transfer instrument; generating, using an NFT generator, the NFT associated with the resource transfer instrument; recording the NFT associated with the resource transfer instrument in a distributed ledger; receiving, from the second user input device, a second request to generate a virtual token for the NFT associated with the resource transfer instrument; generating, using a virtual token generator, the virtual token; and electronically linking the virtual token to the NFT associated with the resource transfer instrument; receiving, via a first user input device, a resource transfer request using a virtual token from a first user; retrieving the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieving an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receiving an authentication credential from the first user; determining whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorizing 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. ### Claim 14 (depends on 13) The method of claim 13, wherein the method further comprises: retrieving one or more resource transfer parameters associated with the virtual token; determining that the resource transfer request meets the one or more resource transfer parameters; and authorizing the resource transfer request based on at least determining that the resource transfer request meets the one or more resource transfer parameters. ### Claim 15 (depends on 13) The method of claim 13, wherein recording the NFT associated with the resource transfer instrument on the distributed ledger further comprises: generating a first transaction object for the NFT associated with the resource transfer instrument; and deploying the first transaction object on the distributed ledger. ### Claim 16 (depends on 13) The method of claim 13, wherein electronically linking the virtual token to the NFT associated with the resource transfer instrument further comprises: generating, using the NFT generator, a second metadata layer for the NFT associated with the resource transfer instrument; and storing a virtual token identifier for the virtual token in the second metadata layer. ### Claim 17 (depends on 16) The method of claim 16, wherein the at least one processing device is further configured to: receiving, from the second user input device, the NFT credential descriptor for the virtual token; generating, using the NFT generator, the first metadata layer for the NFT associated with the resource transfer instrument; and storing the NFT credential descriptor for the virtual token in the first metadata layer.