Bank of America Corporation

United States of America

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[Owner] Bank of America Corporation 6,484
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H04L 29/06 - Communication control; Communication processing characterised by a protocol 977
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes 582
G06N 20/00 - Machine learning 548
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists 456
H04L 9/40 - Network security protocols 435
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36 - Financial, insurance and real estate services 447
09 - Scientific and electric apparatus and instruments 82
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1.

Endpoint Threat Inoculation Computing System

      
Application Number 18046987
Status Pending
Filing Date 2022-10-17
First Publication Date 2024-04-18
Owner Bank of America Corporation (USA)
Inventor
  • Philip, Charles
  • P, Bhaarggavee

Abstract

Various aspects of the disclosure relate to automated monitoring and remediation of computing threats at an endpoint computing device. An endpoint monitoring tool is configured to monitor for security threats on the local host computing device. An identified threat causes the endpoint monitoring tool to automatically quarantine the local device and any associated user accounts. During a pre-defined time period the endpoint monitoring tool analyzes an impact of the threat and any user activities from the time a suspect file was created. The endpoint monitoring tool attempts to automatically mitigate the security threat during the pre-defined time period. If the threat was cleared, the local computing device and the user accounts are released for normal use. If the threat was unable to be cleared within the time period, additional mitigation processes are triggered.

IPC Classes  ?

  • G06F 21/55 - Detecting local intrusion or implementing counter-measures

2.

SYSTEMS, METHODS, AND APPARATUSES FOR IMPLEMENTING AND AUTHENTICATING VIRTUAL RESOURCE TRANSFER DEVICES COMPRISING ELECTRONIC DATA RECORDS IN A DISTRIBUTED NETWORK

      
Application Number 17966100
Status Pending
Filing Date 2022-10-14
First Publication Date 2024-04-18
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • S, Suriyanath
  • Vijayvergia, Rohan

Abstract

Systems, computer program products, and methods are described herein for implementing and authenticating virtual resource transfer devices comprising electronic data records in a distributed network. The present invention is configured to receive data associated with a virtual resource token owned by a user; determine a resource value of the virtual resource token; generate a virtual resource transfer device associated with the virtual resource token; and generate, based on the resource value of the virtual resource token, a resource transfer availability of the virtual resource transfer device.

IPC Classes  ?

  • G06F 21/33 - User authentication using certificates

3.

CROSS CHANNEL DIGITAL DATA STRUCTURES INTEGRATION AND CONTROLS

      
Application Number 17968587
Status Pending
Filing Date 2022-10-18
First Publication Date 2024-04-18
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Krasuk, Silvia Adriana
  • Zafar, Mansoor
  • Khanna, Saurabh
  • Heller, Ryan Scott
  • Chowdarapu, Muralidhar

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for convenient, secure digital data archiving and utilization across multiple communication channels. The system and methods may also include an array of indications regarding what documents may be required to be uploaded by a user, how many documents to upload, and a confirmation of documents uploaded being the correct types following a user upload action. As such, the system may utilize JSON templates indicating a number of required documents, a correct confirmation message following document upload, and a mechanism for confirming that the documents being uploaded are the correct types of documents via an analysis of input fields of the uploaded documents.

IPC Classes  ?

  • G06F 3/0483 - Interaction with page-structured environments, e.g. book metaphor

4.

RESOURCE TRANSFER SYSTEMS WITH AUTHENTICATION BASED ON HYPERSPECTRAL IMAGING

      
Application Number 17964634
Status Pending
Filing Date 2022-10-12
First Publication Date 2024-04-18
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Nyamwange, Elvis
  • Jacobson, Brian Neal
  • Mandloi, Vismay
  • Phillips, Donna Lee
  • Ramachandra, Madhukiran Bangalore

Abstract

Systems, methods, and computer program products are provided for resource transfers with authentication based on hyperspectral imaging. An example method includes receiving a request for hyperspectral image generation associated with a first user and receiving one or more account credentials of the first user. The method further includes generating, via a hyperspectral imaging module, hyperspectral image data based on the one or more account credentials of a first user and generating, via the hyperspectral imaging module, a hyperspectral image based on the hyperspectral image data. The method may further cause application of the hyperspectral on a body of a resource transfer object.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • H04N 5/232 - Devices for controlling television cameras, e.g. remote control

5.

INGESTION LAYER FOR IMPROVED SECURITY OF DISTRIBUTED INFORMATION

      
Application Number 17968089
Status Pending
Filing Date 2022-10-18
First Publication Date 2024-04-18
Owner Bank of America Corporation (USA)
Inventor
  • Jahagirdar, Pradeep
  • Edwards, Christopher
  • Dua, Sanjay

Abstract

Aspects of the disclosure relate to information security. A computing platform may configure a connector framework to: preconfigure identities of data production systems without involvement of a third party system, and ingest information, received from the data production systems, directly into a storage layer at each of a plurality of data recipient systems, where the information may be received in a plurality of different programming languages, and the plurality of data production systems may be located in different geographic regions. The computing platform may receive, at the connector framework and from a first data production system of the data production systems, first information. The computing platform may ingest the first information by: replicating, using the connector framework, the first information, and making available, to the plurality of data recipient systems, the first information, which may cause storage of the replicated first information in real time.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

6.

User credential authentication using blockchain and machine learning

      
Application Number 18047323
Status Pending
Filing Date 2022-10-18
First Publication Date 2024-04-18
Owner Bank of America Corporation (USA)
Inventor
  • Kumar, Ashok
  • Raj, Narsing
  • Devulapalli, Siva Kumar Venkata Lakshmi Sai

Abstract

A method for user credential authentication includes receiving real-time logs from a blockchain network that is configured to perform an authentication process of a user. The real-time logs are normalized and bucketized to generate processed real-time logs, which are stored in a block and are added to a blockchain. The processed real-time logs are analyzed to identify the plurality of real-time behavioral patterns of the user. A first authentication score is determined by comparing a first real-time behavioral pattern to a respective first historical behavioral pattern. The first authentication score is compared to a first authentication score threshold, which corresponds to the first real-time behavioral pattern and the respective first historical behavioral pattern. In response to the first authentication score being less than the first authentication score threshold, a first instruction is sent to the blockchain network to temporarily stop the authentication process of the user.

IPC Classes  ?

  • G06F 21/31 - User authentication
  • H04L 9/40 - Network security protocols
  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence

7.

SYSTEMS, METHODS, AND APPARATUSES FOR TRACKING NETWORK TRAFFIC DATA AND IDENTIFYING ROGUE ACCESS PATTERNS IN AN ELECTRONIC NETWORK

      
Application Number 17968546
Status Pending
Filing Date 2022-10-18
First Publication Date 2024-04-18
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Thimmareddy, Arjun
  • Gull, Aarron
  • Ande, Virinchi

Abstract

Systems, computer program products, and methods are described herein for tracking network traffic data and identifying rogue access patterns in an electronic network. The present invention is configured to receive a plurality of peer user accounts; receiving a plurality of peer user data associated with the plurality of peer user accounts; generating a relational mapping based at least on the predetermined group; and generating a plurality of peer historical data access patterns based on the plurality of peer user data over the historical predetermined period. The present invention may further be configured to receive a primary user account; receive a plurality of primary user data; generate a plurality of primary user access patterns; compare the plurality of peer historical data access patterns and the plurality of primary user access patterns to generate an abnormality score; and determine whether the abnormality score meets the abnormality threshold.

IPC Classes  ?

8.

THREAT DETECTION AND PREVENTION FOR INFORMATION SYSTEMS

      
Application Number 18393141
Status Pending
Filing Date 2023-12-21
First Publication Date 2024-04-18
Owner Bank of America Corporation (USA)
Inventor
  • Serna, Daniel Joseph
  • Matos, Marcus Raphael
  • Lawrence, Patrick N.
  • Danielson, Christopher Lee

Abstract

A device that is configured to receive user activity information that includes information about user interactions with a network device for a plurality of users. The device is further configured to input the user activity information into a first machine learning model that is configured to receive user activity information and to output a set of bad actor candidates based on the user activity information. The device is further configured to filter the user activity information based on the set of bad actor candidates. The device is further configured to input the filtered user activity information into a second machine learning model that is configured to receive the filtered user activity information and to output system exposure information that identifies network security threats. The device is further configured to identify network security actions based on the network security threats and to execute the network security actions.

IPC Classes  ?

9.

HYPERSPECTRAL IMAGING SYSTEMS AND METHODS FOR ELECTRONIC AUTHENTICATION RESOURCE TRANSFERS

      
Application Number 17964624
Status Pending
Filing Date 2022-10-12
First Publication Date 2024-04-18
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Nyamwange, Elvis
  • Jacobson, Brian Neal
  • Mandloi, Vismay
  • Phillips, Donna Lee
  • Ramachandra, Madhukiran Bangalore

Abstract

Systems, methods, and computer program products are provided herein for hyperspectral imaging based electronic authentication resource transfers. An example method includes receiving a resource transfer request associated with at least a first user and receiving hyperspectral image data associated with the first user. The method further includes extracting, via a hyperspectral imaging module, one or more account credentials of the first user from the hyperspectral image data. The method also includes effectuating the resource transfer associated with an account of the first user as defined by the one or more account credentials. The hyperspectral image data may be generated in response to an image capturing operation performed by the hyperspectral imaging module and may be indicative of a hyperspectral image supported by a resource transfer object.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06F 21/45 - Structures or tools for the administration of authentication
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

10.

System and method for using a validated card in a virtual environment

      
Application Number 18047431
Status Pending
Filing Date 2022-10-18
First Publication Date 2024-04-18
Owner Bank of America Corporation (USA)
Inventor
  • Singh, Shailendra
  • Arora, Saurabh
  • Chauhan, Sandeep
  • Polasa, Puneetha

Abstract

An apparatus for using a validated card in a virtual environment comprises a processor associated with a server. The processor is configured to receive a request to conduct an interaction between a first avatar and an entity in a virtual environment. The processor is further configured to receive card information and device information from an unknown user device. The processor is further configured to verify that the unknown user device is a first user device. The processor is further configured to receive virtual session information that is associated with a virtual environment session. The processor is further configured to determine if the request to conduct the interaction occurred in the same virtual environment session as the reception of the card information. The processor is further configured to conduct the interaction between the first avatar and the entity with the received card information.

IPC Classes  ?

11.

SYSTEM AND METHOD FOR ELECTRONIC RESOURCE TRANSFER AUTHENTICATION VIA A USER CHARACTERISTIC DATA VERIFICATION ENGINE

      
Application Number 17964254
Status Pending
Filing Date 2022-10-12
First Publication Date 2024-04-18
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Birch, Christopher Daniel
  • Danielpour, Sophie Morgan
  • Hart, Susan R.
  • Huynh, Son
  • Prothro, Tyler Keith
  • Rolinger, Shannon Sabina
  • Suarez, Amado Jose Martinez
  • Williams, Stephen Jack

Abstract

Systems, computer program products, and methods are described herein for electronic resource transfer authentication via a user characteristic data verification engine. The system receives a request to transfer electronic resources from a first endpoint device of a merchant. The system then identifies a resource vehicle owner associated with the electronic resource transfer, identifies at least one second endpoint device, then transmits a request for verification from the entity to the at least one second endpoint device, utilizing an application programming interface. The user characteristic feedback hardware of the at least one second endpoint device collects identifier data from the user of the at least one second endpoint device, and a user characteristic data verification engine is initiated and thereafter determines a binary identification output. An entirety of the electronic resources are distributed to the merchant based on the binary identification output.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

12.

MERRILL LYNCH

      
Application Number 232124300
Status Pending
Filing Date 2024-04-11
Owner Bank of America Corporation (USA)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking services; credit card authorization services; credit card transaction processing services; financial analysis; financial planning for retirement; financial research services; issuing of credit cards; mutual fund investment services; providing cash and other rebates for credit card use as part of a customer loyalty program (2) Providing financial information, namely, providing information on financial research, financial analysis, financial planning, financial management, financial risk management, and investment management; financial advice and consultation, namely, providing advice and consultation on financial research, financial analysis, financial planning, financial management, financial risk management, and investment management financial planning; financial management investment brokerage; investment consultation; investment management investment advice; credit card payment processing services; trading of securities, brokerage of shares, foreign exchange transactions, commodity brokerage and exchange, trading of securities options and other derivative products for others; financial information and consultancy services provided online from a computer database or global computer network, namely, financial research, financial analysis, financial planning, financial management, financial risk management, and investment management.

13.

AUTOMATED SYSTEM FOR AUTHENTICATION AND MONITORING USE OF AN ARTIFICIAL INTELLIGENCE ENGINE

      
Application Number 17962932
Status Pending
Filing Date 2022-10-10
First Publication Date 2024-04-11
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Nair, Sanjeev J.
  • Mishra, Rahul Kumar
  • Gahlaut, Pushkar

Abstract

Systems, computer program products, and methods are described herein for authentication and monitoring of an artificial intelligence (AI) engine. The present invention is configured to receive, from a first network device, a first set of binary data associated with an AI engine; calculate, based on the first set of binary data, an engine hash value; store the engine hash value; receive, from a second network device, an approval of the first set of binary data; update an approval status of the engine hash value; receive, from a network device associated with a final user, a second set of binary data; determine that a second hash value associated with the second set of binary data matches the engine hash value; and transmit a notification to the network device associated with the final user, wherein the notification instructs the network device to allow the final user to launch the AI engine.

IPC Classes  ?

  • G06N 5/02 - Knowledge representation; Symbolic representation
  • G06F 21/44 - Program or device authentication

14.

QUANTUM-COMPUTING-POWERED SYSTEM WITH MULTI-DIMENSIONAL SCALING FOR DATABASE BACKUP, SEARCH, AND RECOVERY

      
Application Number 17961609
Status Pending
Filing Date 2022-10-07
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Chandroliya, Vimal
  • Jayasingh, Magaranth

Abstract

A method for database backup, search, and recovery using a quantum-computing-powered system with multi-dimensional scaling is provided. The method may include storing a first dataset in a first local database, generating a second dataset from a critical subset of the first dataset, and storing the second dataset in a second remote, cloud-based, database. The method may include receiving a search query at the first database. The method may include receiving a first indication of an outage at the first database and, in response to the first indication, routing the search query to a quantum processor and executing the search on the second dataset. The method may include receiving a second indication of a loss of data from the first dataset at the first database, and, in response to the second indication, restoring the critical subset of the first dataset to the first database from the second dataset at the second database using the quantum processor. The method may include automatically scaling the quantum processor during a processing task.

IPC Classes  ?

  • G06N 10/80 - Quantum programming, e.g. interfaces, languages or software-development kits for creating or handling programs capable of running on quantum computers; Platforms for simulating or accessing quantum computers, e.g. cloud-based quantum computing
  • G06F 16/21 - Design, administration or maintenance of databases
  • G06N 10/20 - Models of quantum computing, e.g. quantum circuits or universal quantum computers

15.

GENERATING A MULTI-PLATFORM REMEDIATION INFRASTRUCTURE BASED ON INTELLIGENTLY FORECASTING AND CONFIGURING A REMEDIATION SCHEDULE

      
Application Number 17962756
Status Pending
Filing Date 2022-10-10
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Raj, Narsing
  • Vinherkar, Aashish Chandrahas
  • Bilton, Kommu John
  • Lakshmi Sai Kumar Devulapalli, Siva Venkata

Abstract

Aspects of the disclosure relate to generating a multi-platform remediation infrastructure based on intelligently forecasting and configuring a remediation schedule. The computing platform may continuously analyze components within the enterprise organization infrastructure to identify at least one vulnerability within the infrastructure. The computing platform may group the vulnerabilities based on identified similarities and may identify, for each group, a time during which each vulnerability may be remediated. The computing platform may use the times to generate a remediation schedule and may analyze the remediation schedule to determine whether the schedule comprises anomalies. Based on determining the remediation schedule does not comprise anomalies, the computing platform may remediate the vulnerabilities indicated on the remediation schedule. Alternatively, based on determining the remediation schedule comprises anomalies, the computing platform may further analyze the vulnerabilities to determine whether the vulnerabilities may be remediated.

IPC Classes  ?

  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
  • G06F 8/65 - Updates

16.

System and method for enhancing multi-factor authentication

      
Application Number 18045548
Status Pending
Filing Date 2022-10-11
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor Ozugur, Timucin

Abstract

A system for enhancing multi-factor authentication comprises a processor associated with a server. The processor receives a first request with user identity data to access an application service from a user device. The processor generates a multi-factor authentication code to verify a user identity and a user device. The processor implements a customized operation rule with the multi-factor authentication code and a customized security code to generate an enhanced multi-factor authentication code. The processor presents the multi-factor authentication code to the user device with a response for the user to provide the enhanced multi-factor authentication code. The processor determines whether a user input code matches the enhanced multi-factor authentication code. In response to determining that the user input code matches the enhanced multi-factor authentication code, the processor authorizes the user device associated with the user to interact with the entity, such as, for example, to implement the application service.

IPC Classes  ?

17.

SYSTEM FOR MACHINE LEARNING BASED NETWORK SESSION INTERACTION

      
Application Number 17963330
Status Pending
Filing Date 2022-10-11
First Publication Date 2024-04-11
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Dantuluri, Indradeep
  • Chayanam, Pavan

Abstract

Systems, computer program products, and methods are described herein for machine learning based network session interaction. The present disclosure is configured to receive, from an end-point device, a user input, wherein the user input comprises natural language data; extract a first set of attributes associated with the user input; determine, using a machine learning (ML) subsystem, a first set of adaptive response actions to the user input based on the first set of attributes; and execute the first set of adaptive response actions.

IPC Classes  ?

  • G06F 40/35 - Discourse or dialogue representation
  • G06F 40/20 - Natural language analysis
  • G06N 5/02 - Knowledge representation; Symbolic representation

18.

AUTOMATED SYSTEM FOR AUTHENTICATION AND MONITORING USE OF AN ARTIFICIAL INTELLIGENCE ENGINE

      
Application Number 17962488
Status Pending
Filing Date 2022-10-08
First Publication Date 2024-04-11
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Nair, Sanjeev J.
  • Mishra, Rahul Kumar
  • Gahlaut, Pushkar

Abstract

Systems, computer program products, and methods are described herein for authentication and monitoring of an artificial intelligence (AI) engine. The present invention is configured to receive, from a first network device, a first set of binary data associated with an AI engine; calculate, based on the first set of binary data, an engine hash value; store the engine hash value; receive, from a second network device, an approval of the first set of binary data; update an approval status of the engine hash value; receive, from a network device associated with a final user, a second set of binary data; determine that a second hash value associated with the second set of binary data matches the engine hash value; and transmit a notification to the network device associated with the final user, wherein the notification instructs the network device to allow the final user to launch the AI engine.

IPC Classes  ?

  • G06N 5/02 - Knowledge representation; Symbolic representation
  • G06F 9/451 - Execution arrangements for user interfaces

19.

Network Traffic Correlation Engine

      
Application Number 18542967
Status Pending
Filing Date 2023-12-18
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Sheedy, Jonathan
  • Sinks, Steven E.

Abstract

A network traffic correlation engine monitors inbound and/or outbound connection information received from on each host computer system on a network. Each host device on the network store data logs corresponding to information corresponding to communications sent by the device and received by the device. The network traffic correlation engine correlates connections between different hosts throughout the network. If the network traffic correlation engine identified unmatched outbound and inbound connections, the network traffic correlation engine generates an alert to initiate further investigation and may also provide a mapping of the communications showing a possible start device for the connection and/or a type of access that the connections may now be providing.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • H04L 41/0686 - Additional information in the notification, e.g. enhancement of specific meta-data

20.

DATA FLOW CONTROL AND ROUTING USING MACHINE LEARNING

      
Application Number 18542998
Status Pending
Filing Date 2023-12-18
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Kavali, Rama Venkata S.
  • Randhi, Venugopala Rao
  • Thakkalapelli, Damodarrao
  • Vegulla, Vijaya Kumar
  • Maramreddy, Rajasekhar

Abstract

A device configured to identify a first link between a value of a first data element in a first plurality of data elements and values of a first set of data elements in a second plurality of data elements and to remove the first link between the first data element and the first set of data elements. The device is further configured to input the data elements into a machine learning model that is configured to output a second link between the first data element and a second set of data elements. The device is further configured to create an entry in a relationship table that identifies the first data element and the second set of data elements. The device is further configured to generate a data stream with the first data element and the second set of data elements and to output the data stream.

IPC Classes  ?

  • G06F 3/06 - Digital input from, or digital output to, record carriers
  • G06N 3/08 - Learning methods

21.

Command and Control Steganographic Communications Detection Engine

      
Application Number 18543380
Status Pending
Filing Date 2023-12-18
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Sinks, Steven E.
  • Sheedy, Jonathan

Abstract

A network security computing system includes a steganographic communications analysis engine monitoring incoming and outgoing messages on a secure computing network. The steganographic communications analysis engine identifies a pattern of file transfers between a first computing device on the secure computing network and an internal or external message recipient. When a pattern is identified, the steganographic communications analysis engine quarantines an associated computing device from the secure network. The steganographic communications analysis engine analyzes files transferred between the computing device and the recipient for indications of steganographic information and causes display, based on an identified indication of steganography, an indication that the computing device had been compromised by command and control malware.

IPC Classes  ?

22.

Browser Extension for Validating Communications

      
Application Number 18545251
Status Pending
Filing Date 2023-12-19
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Montgomery, Andrew Paul
  • Bhanu, Sanjay
  • Ford, Stuart David
  • Varanda, Ricardo

Abstract

A computing device comprising a secure browser extension for a web browser monitors for satisfaction of one or more operating conditions to identify whether one or more unauthorized applications are intercepting web browser communications. Based on satisfaction of at least one operating condition, the secure browser extension of the computing device sends an HTTPS request to a known service via the web browser. The secure browser extension receives an HTTPS response to the HTTPS request via the web browser. The secure browser extension determines whether the certificate included in the HTTPS response is trusted by the secure browser extension. Based on determining the certificate is not trusted, the secure browser extension terminates the web browser session and generates a notification for display at the computing device that indicates web browser communications are compromised.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
  • H04L 67/141 - Setup of application sessions

23.

Big Data Based Predictive Graph Generation System

      
Application Number 18545290
Status Pending
Filing Date 2023-12-19
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Ragavan, Harish
  • Shanmugam, Srinivasan

Abstract

A big data analysis system may include a big data repository communicatively coupled to a data accumulation server and a predictive graph processing system. The data accumulation server may be configured to receive information from a plurality of data sources, the information corresponding to user interaction with one or more computing devices associated with an organization via a networked computing system, store the information received from the plurality of sources in the big data repository; and monitor the plurality of data sources to update the data stored in the big data repository. The predictive graph processing system is configured to receive information stored in the big data repository, transform the information received from the big data repository into a predictive graph data set based on a predictive model, and store the predictive graph data set to a visualization data repository.

IPC Classes  ?

  • G06N 5/02 - Knowledge representation; Symbolic representation
  • G06F 16/23 - Updating
  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06F 16/901 - Indexing; Data structures therefor; Storage structures
  • G06F 16/904 - Browsing; Visualisation therefor
  • G06Q 10/0635 - Risk analysis of enterprise or organisation activities
  • G06Q 50/00 - Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism

24.

DISTRIBUTED LEDGER SYSTEM FOR SUPERVISION OF AN ARTIFICIAL INTELLIGENCE ENGINE

      
Application Number 17962939
Status Pending
Filing Date 2022-10-10
First Publication Date 2024-04-11
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Nair, Sanjeev J.
  • Mishra, Rahul Kumar
  • Gahlaut, Pushkar

Abstract

Systems, computer program products, and methods are described herein for monitoring an artificial intelligence (AI) engine. The present invention is configured to receive, from a first network device, a first set of decision parameters associated with an AI engine; encrypt the first set of decision parameters, generating an encrypted dataset; store the encrypted dataset on a transaction object; receive, from a second network device, an output associated with the AI engine; update the transaction object based on the output associated with the AI engine; and transmit a notification to the first network device, wherein the notification comprises a decrypted dataset.

IPC Classes  ?

  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
  • G06F 16/23 - Updating
  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

25.

SYSTEMS AND METHODS FOR CONTROLLING ELECTRONIC COMMUNICATIONS IN REAL TIME VIA AN ARTIFICIAL INTELLIGENCE ENGINE BASED ON LOCATION DATA AND USER DATA

      
Application Number 17960581
Status Pending
Filing Date 2022-10-05
First Publication Date 2024-04-11
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Kapur, Monika V.
  • Black, Christine D.
  • Kim, Jinna Zevulun
  • Renckert, Jennifer Tiffany
  • Taylor, Jo-Ann
  • Vemireddy, Vijaya L.

Abstract

Systems, computer program products, and methods are described herein for controlling electronic communications in real time via an artificial intelligence engine based on location data and user data. The present invention may be configured to determine a location of a user device associated with a user based on location data generated by the user device and determine, using an emotional artificial intelligence engine, an emotional state of the user based on user data. The present invention may be configured to determine resources associated with the user and identify, from the resources associated with the user, relevant resources associated with an entity in proximity to the location of the user device. The present invention may be configured to generate, based on the emotional state of the user, notifications including information regarding the relevant resources and present, using an output device of the user device, the notifications to the user.

IPC Classes  ?

  • H04W 64/00 - Locating users or terminals for network management purposes, e.g. mobility management
  • H04W 76/10 - Connection setup

26.

ZERO-DAY PATCHING WITHIN AN ENTITY'S SECURE NETWORK

      
Application Number 17961738
Status Pending
Filing Date 2022-10-07
First Publication Date 2024-04-11
Owner Bank of America Corporation (USA)
Inventor
  • Hoffman, Kevin
  • Shields, Adam J.

Abstract

A system that involves a secure network, an unsecure network and a bridge server is provided. The bridge server may retrieve updates to applications from the unsecure network. The bridge server may store the retrieved updates on a secure storage location within the secure network. Devices located on the secure network may continually, periodically or otherwise check the secure storage location for updates. The updates may be downloaded to the devices for execution on the devices.

IPC Classes  ?

  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities

27.

SYSTEM AND METHOD FOR SECURE VALIDATION, REGISTRATION, AND DISTRIBUTION OF RESOURCES IN A DISTRIBUTED ELECTRONIC NETWORK

      
Application Number 17962807
Status Pending
Filing Date 2022-10-10
First Publication Date 2024-04-11
Owner BANK OF AMERICA CORPORATION (USA)
Inventor Singh, Shailendra

Abstract

Embodiments of the present invention provide a system for secure validation, registration, and distribution of resources in a distributed electronic network. In particular, the system may be configured to determine that a user is at a third party entity location for acquiring computing device provided by a third party entity associated with the third party entity location, establish a connection between a user device of the user and the computing device, cause the user device to extract computing device information associated with the computing device, via the connection, receive an input associated with acquiring the computing device, transfer funds associated with acquiring the computing device from a resource pool of the user to an entity resource pool associated with the third party entity, via the user device, and establish a smart contract between the user and the third party entity associated with the computing device.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme

28.

Real-time dynamic caching platform for metaverse environments using non-fungible tokens

      
Application Number 17990889
Grant Number 11954030
Status In Force
Filing Date 2022-11-21
First Publication Date 2024-04-09
Grant Date 2024-04-09
Owner Bank of America Corporation (USA)
Inventor
  • Singh, Shailendra
  • Maghnani, Vinod
  • Dwivedi, Ashish Kumar

Abstract

Aspects of the disclosure relate to a dynamic caching platform. The dynamic caching platform may train a machine learning model based on historical complexity score information. The dynamic caching platform may receive information streams from a client metaverse device and a metaverse host system. The dynamic caching platform may generate a complexity score based on the interaction information streams using the machine learning model. The dynamic caching platform may compare the complexity score to complexity thresholds. Based on the comparison, the dynamic caching platform may identify caching rules. The dynamic caching platform may cache interaction information based on the caching rules. The dynamic caching platform may update the complexity score using the machine learning model. The dynamic caching platform may update the caching rules based on the updated complexity score. The dynamic caching platform may cache interaction information based on the updated caching rules.

IPC Classes  ?

  • G06F 12/0802 - Addressing of a memory level in which the access to the desired data or data block requires associative addressing means, e.g. caches
  • G06N 20/00 - Machine learning

29.

Systems and methods for network traffic routing and load balancing in an electronic network

      
Application Number 18234221
Grant Number 11956144
Status In Force
Filing Date 2023-08-15
First Publication Date 2024-04-09
Grant Date 2024-04-09
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Sharma, Kamal D
  • Delson, Kevin A.
  • Gatchalian, Gilbert
  • Iruku, Satya Veerabhadra Rao
  • Eury, Noell York
  • Bhat, Dhananjay
  • Ferguson, Russ
  • Eisenhauer, Matthew
  • Davis, Jr., Larry A.
  • Gee, Aaron
  • Blust, Kurt Clarence

Abstract

Systems, computer program products, and methods are described herein for network traffic routing and load balancing in an electronic network. The present disclosure is configured to identify, by an application layer, at least one website access request by a user account, wherein a website access request comprises a website identifier; transmit the website access request to a traffic routing layer; identify, by the traffic routing layer, a plurality of potential websites; determine, by the traffic routing layer, whether a routing identifier is present for the user account and in response to determining the routing identifier, pin the user account to a pinned website of the potential websites based on the routing identifier; and determine, by the traffic routing layer, whether the pinned website comprises an up attribute or down attribute, and to direct the website access request based on at least this up or down attribute.

IPC Classes  ?

  • H04L 45/28 - Routing or path finding of packets in data switching networks using route fault recovery
  • H04L 45/302 - Route determination based on requested QoS
  • H04L 47/125 - Avoiding congestion; Recovering from congestion by balancing the load, e.g. traffic engineering

30.

MERRILL INSTITUTIONAL CONSULTING

      
Serial Number 98490892
Status Pending
Filing Date 2024-04-09
Owner Bank of America Corporation ()
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Financial research; financial information; financial analysis; financial advice; financial planning; financial consultation; financial management; investment brokerage; investment consultation; investment management; investment advice; mutual fund investment; financial information and services provided by telephone, in-person, and online from a computer database or global computer network; financial portfolio management services

31.

Centralized data backup platform supporting multiple data environments

      
Application Number 17980646
Grant Number 11953995
Status In Force
Filing Date 2022-11-04
First Publication Date 2024-04-09
Grant Date 2024-04-09
Owner Bank of America Corporation (USA)
Inventor
  • Dahl, Erik
  • Dande, Pratap
  • Yaksh, Rahul
  • Karra, Vishwanath Prasad
  • Reich, Steven
  • Alford, Tileshia Brenda

Abstract

A method for consolidating backup status data associated with backup operations performed at a specialty backup service platform into a centralized backup service platform may be provided. The method may include receiving data feeds associated with each backup operation, each data feed comprising backup status data associated with a backup operation performed at the specialty backup service platform. The method may also include extracting the backup status data from each data feed and following the extracting, conforming the backup status data at the centralized backup service platform to be consistent with the standardized format. The method may also include for each data feed received from the specialty backup service platform, running a performance-scan on the backup status data within the data feed for determining whether the backup operation was a success or a failure.

IPC Classes  ?

  • G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result

32.

System and method for server monitoring and problem resolution for electronic mail messages

      
Application Number 17937609
Status Pending
Filing Date 2022-10-03
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Zhang, Yi Jason
  • Serna, Daniel Joseph

Abstract

A method is provided that comprises monitoring for a change in a first security configuration setting in a relay server and comparing the change in the first security configuration setting to historical data that contains validated authentication configuration settings that previously allowed for the delivery of a historical electronic mail message to an external network. The method further comprises identifying a candidate change to the first security configuration setting based on the comparison, where the candidate change to the first security configuration setting when implemented results in the delivery of a first electronic mail message to the external network. The method further comprises implementing the candidate change to the first security configuration setting such that the relay server allows the delivery of the first electronic message to the external network.

IPC Classes  ?

33.

VIDEO AND AUDIO SPLITTING THAT SIMULATES IN-PERSON CONVERSATIONS DURING REMOTE CONFERENCING

      
Application Number 17955736
Status Pending
Filing Date 2022-09-29
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Christman, Brian
  • Sharma, Kamal D.
  • Delson, Kevin A.
  • Rosseland, Robert R.
  • Ali, Amer
  • Gatchalian, Gilbert

Abstract

Apparatus and methods for enhancing a videotelephony conference experience by generating dynamic audio channels. Audio outputs may be provided to listeners over different channels. The multiple channels may simulate live, in-person conversation with conference participants. For example, listeners may also conduct separate, private conversations with other participants of the conference without leaving the general conference conversation. The videotelephony conference interface may coordinate presentation of participants to reflect the audio channels provided to a listener. For example, actively speaking participants may be positioned in different regions of the interface.

IPC Classes  ?

  • H04S 7/00 - Indicating arrangements; Control arrangements, e.g. balance control
  • G06F 3/16 - Sound input; Sound output
  • H04M 3/56 - Arrangements for connecting several subscribers to a common circuit, i.e. affording conference facilities
  • H04S 1/00 - Two-channel systems

34.

SYSTEMS, METHODS, AND APPARATUSES FOR DETERMINING UI-SPECIFIC TRAFFIC IN A NETWORK ENVIRONMENT

      
Application Number 17956346
Status Pending
Filing Date 2022-09-29
First Publication Date 2024-04-04
Owner BANK OF AMERICA CORPORATION (USA)
Inventor Merkel, Brady Prentice

Abstract

User interactions are tracked within a Graphical User Interface (GUI) configured for user consent/authorization, specifically user interactions that indicate that the user has abandoned the consent/authorization process. As a result of such tracking/recordation, abandonment metrics are determined, such as volume of abandonments over a given time period, rate of abandonment, time to abandonment and the like. In specific embodiments of the invention, the abandonment metrics are used to intelligently determine, in some instances on a per-user basis, whether a need exists to reconfigure the GUI and, if a need exists, what sensory alterations to the GUI should be implemented.

IPC Classes  ?

  • G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
  • G06F 3/048 - Interaction techniques based on graphical user interfaces [GUI]

35.

MACHINE LEARNING BASED SYSTEM(S) FOR NETWORK TRAFFIC DISCOVERY AND ANALYSIS

      
Application Number 17957848
Status Pending
Filing Date 2022-09-30
First Publication Date 2024-04-04
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Ali, Amer
  • Christman, Brian Daniel
  • Sharma, Kamal D.
  • Gatchalian, Gilbert
  • Rajagopalan, Karthik
  • Delson, Kevin A.
  • Rosseland, Jr., Robert Ronald
  • Touahri, Yassine
  • Sama, Jyothishwar Reddy
  • Mohammed, Zaheeruddin

Abstract

Systems, computer program products, and methods are described herein for network traffic discovery and analysis. The present invention is configured to capture data traffic across network ports in a computing environment; retrieve source code from code repositories; determine that the data traffic and the source code are associated with application programming interface (API) traffic; determine a first API associated with the API traffic; determine, using a machine learning (ML) subsystem, whether the first API meets supervisory requirements; and invoke a remediation protocol in an instance when the first API does not meet supervisory requirements.

IPC Classes  ?

  • H04L 47/2425 - Traffic characterised by specific attributes, e.g. priority or QoS for supporting services specification, e.g. SLA
  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence

36.

MACHINE LEARNING BASED SYSTEM(S) FOR NETWORK TRAFFIC DISCOVERY AND ROUTING

      
Application Number 17957854
Status Pending
Filing Date 2022-09-30
First Publication Date 2024-04-04
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Ali, Amer
  • Christman, Brian Daniel
  • Sharma, Kamal D
  • Gatchalian, Gilbert
  • Rajagopalan, Karthik
  • Delson, Kevin A.
  • Rosseland, Jr., Robert Ronald
  • Touahri, Yassine

Abstract

Systems, computer program products, and methods are described herein for network traffic discovery and routing. The present invention is configured to capture data traffic across network ports in a computing environment; retrieve source code from code repositories; determine that the data traffic and the source code are associated with application programming interface (API) traffic; determine one or more end-point devices associated with the API traffic; determine a first API capable of processing the API traffic, wherein the first API meets supervisory requirements; and transmit a notification to the one or more end-point devices, wherein the notification comprises a recommendation to use the first API to process the API traffic.

IPC Classes  ?

  • H04L 47/2425 - Traffic characterised by specific attributes, e.g. priority or QoS for supporting services specification, e.g. SLA
  • H04L 43/16 - Threshold monitoring

37.

REAL TIME SYSTEM, WITH AUTOMATIC TRADE EXECUTION, FOR INTEGRATING TRADING ACCOUNT SECURITY WITH ASSOCIATE INVESTMENT POLICY (AIP) GOVERNANCE

      
Application Number 17958485
Status Pending
Filing Date 2022-10-03
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Singtalur, Aravind Shankaragouda
  • Datla-Viswasai, Manmohan V.
  • Puskarich, Petar
  • Chakravarty, Srinath
  • Greene, Steven
  • Agrawal, Dinesh Kumar
  • Boyd, Kenneth
  • Vaughan, Kerry
  • Belton, Stephen

Abstract

A system for integrating trading account security with associate investment policy (AIP) governance is provided. The system includes a processor, a receiver, and a series of containers. The receiver may receive an associate trade request including an associate social security number (SSN), an associate name, a name of a security to which the trade request is directed, a last security purchase data, the last security purchase data associated with the security, and a broker dealer name. The employee may be a private side employee. The system may include a series of containers for storing microservices. The containers communicate with a database engine. The trade request may be industry compliant and employer regulations compliant. The processor may transmit a fully compliant trade request to an employer platform. Following receipt of a trade request confirmation from the employer platform, the associate trading platform may execute the trade request.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06Q 40/06 - Asset management; Financial planning or analysis

38.

REAL TIME SYSTEM FOR INTEGRATING TRADING ACCOUNT SECURITY WITH ASSOCIATE INVESTMENT POLICY (AIP) GOVERNANCE

      
Application Number 17958487
Status Pending
Filing Date 2022-10-03
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Singtalur, Aravind Shankaragouda
  • Datla-Viswasai, Manmohan V.
  • Puskarich, Petar
  • Chakravarty, Srinath
  • Greene, Steven
  • Agrawal, Dinesh Kumar
  • Boyd, Kenneth
  • Vaughan, Kerry
  • Belton, Stephen

Abstract

A system for integrating trading account security with associate investment policy (AIP) governance is provided, including a processor and a receiver for receiving an associate trade request. The trade request may include an associate social security number and name, a name of a security, a last security purchase data, the last data for the security, and a broker dealer name. The processor may determine that the employee is a private side employee and then use a series of containers in electronic communication with a database or engine to determine industry and employer regulations compliance, after which the processor may transmit the request to an employer trading platform and may include an instruction to allow executing the trade request within a pre-determined time period and prompting the associate with a selectable option to execute the trade request.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06Q 40/06 - Asset management; Financial planning or analysis

39.

REAL TIME SYSTEM WITH ARTIFICIAL INTELLIGENCE (AI) MECHANISM FOR RECTIFYING TRADING REQUESTS DENIED BASED ON ASSOCIATED INVESTMENT POLICY (AIP) GOVERNANCE

      
Application Number 17958491
Status Pending
Filing Date 2022-10-03
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Singtalur, Aravind Shankaragouda
  • Datla-Viswasai, Manmohan V.
  • Puskarich, Petar
  • Chakravarty, Srinath
  • Greene, Steven
  • Agrawal, Dinesh Kumar
  • Boyd, Kenneth
  • Vaughan, Kerry
  • Belton, Stephen

Abstract

A computer system for integrating trading account security with associate investment policy (AIP) governance is provided. The system includes a processor and a receiver. A received trade request may include an associate social security number, an associate name, a security name, a last security purchase data, and a broker dealer name. The employee may be a private side employee. The processor may use a series of containers in electronic communication with a database or database engine to determine that the trade request is industry compliant and employer regulations compliant. When the trade request is determined to be non-compliant, then the processor may electronically message or e-mail the employee 1) a trade denial and 2) insider trading mitigation messages. Following a determination that the trade request is fully compliant; the processor may transmit the trade request to an employer trading platform and prompt the associate to execute the trade request.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

40.

ATM LEVERAGING EDGE DEVICES FOR ROUND-TRIP DATA ROUTING

      
Application Number 17958629
Status Pending
Filing Date 2022-10-03
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Kurian, Manu
  • Sanghvi, Siten
  • Dolan, Heather
  • Albero, George
  • Mukherjee, Maharaj
  • Delson, Kevin A.

Abstract

A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

41.

ENERGY OPTIMIZATION PLATFORM USING ARTIFICIAL INTELLIGENCE FOR CONTAINER ROUTING

      
Application Number 17959417
Status Pending
Filing Date 2022-10-04
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Albero, George
  • Mukherjee, Maharaj
  • Kim, Jinna

Abstract

Aspects of the disclosure relate to energy optimization. A computing platform may receive an event processing request, and may identify its parameters. The computing platform may package, based on the parameters, the event processing request into containers. The computing platform may input the parameters into an energy optimization model, which may identify: a data center computing system and an energy mix for processing the event processing request. The computing platform may encrypt the containers. The computing platform may send, to the data center computing system, the encrypted containers and commands directing the data center computing system to: decrypt the encrypted containers to identify the event processing request, and process the event processing request using the energy mix, which may cause the data center computing system to decrypt the encrypted containers and process the event processing request using the energy mix.

IPC Classes  ?

  • G06Q 50/06 - Electricity, gas or water supply
  • G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"

42.

System and method for switching between public and private operations for conducting interactions in a metaverse

      
Application Number 17936656
Status Pending
Filing Date 2022-09-29
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor Akkapeddi, Naga Vamsi Krishna

Abstract

A system for switching between public and private operations for conducting interactions comprises a processor associated with a server. The processor accesses a virtual environment configured to provide interactions associated with an entity. The processor receives interaction objects and an input operation mode from an avatar associated with a user device for an interaction. The processor determines the input operation mode is a private operation mode and further processes the interaction objects and the user profile to determine a first set of protocols compatible with the private operation mode. The processor verifies that the interaction objects match authentication requirements of the first set of the protocols. The processor determines a system environment is compatible with the first set of the protocols and comprises a set of applications in the private operation mode. The processor executes the applications to process the interaction objects to conduct the first interaction.

IPC Classes  ?

43.

Identifying and Resolving Consumer Transactions Using Consumer Call Analytics

      
Application Number 17954537
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Christian, Sam William
  • Moiyallah, Jr., Samuel Massa

Abstract

Aspects of the disclosure relate to identifying and resolving consumer transactions using consumer call analytics. The computing platform may monitor consumer transactions and score each detected transaction. The computing platform may predict, using the score associated with the transaction, whether the consumer may request assistance with the transaction. The computing platform may receive, from the consumer, a request for assistance with at least one transaction. The computing platform may use a unique consumer identifier to identify transactions associated with the consumer. The computing platform may determine whether at least one similar consumer request for assistance was previously received. If at least one similar consumer request for assistance was previously received, the computing platform may retrieve the previously received request and a corresponding solution. Alternatively, a similar consumer request for assistance was not previously received, the computing platform may generate a solution to the consumer request.

IPC Classes  ?

44.

SYNCHRONIZATION OF CONTAINER ENVIRONMENTS TO MAINTAIN AVAILABILITY FOR A PREDETERMINED ZONE

      
Application Number 17957144
Status Pending
Filing Date 2022-09-30
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor
  • Jacobson, Brian
  • Phillips, Donna
  • Nyamwange, Elvis
  • Ramachandra, Madhukiran Bangalore
  • Mandloi, Vismay

Abstract

Apparatus and methods for a proactive monitoring-container switching system is provided. The system may include a server cluster. The system may proactively monitor the servers within the cluster to determine if one or more servers within the cluster are showing weaknesses. Upon identifying the weaknesses, the system may identify an available server within the cluster and copy the contents of the weakened server to the available server. The system may then switch the DNS pointer from the weakened server to the available server. Switching the DNS pointer may switch any users and/or applications from the weakened server to the available server with minimal disruption. The synchronizing between servers may maintain the health of the server cluster.

IPC Classes  ?

  • G06F 11/20 - Error detection or correction of the data by redundancy in hardware using active fault-masking, e.g. by switching out faulty elements or by switching in spare elements
  • G06F 11/30 - Monitoring
  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation

45.

Artificial Intelligence Based Topic Detection

      
Application Number 17957340
Status Pending
Filing Date 2022-09-30
First Publication Date 2024-04-04
Owner Bank of America Corporation (USA)
Inventor Herath, Mahesha Bharatha

Abstract

Arrangements for providing emerging topic detection are provided. In some aspects, customer issue data may be received. For instance, voice data from customer and customer service associate interactions may be received. The customer issue data may be converted to text data and the text data may be further analyzed. For instance, a first body of terms for a first time period and a second body of terms for a second time period after the first time period may be generated. The generated first body of terms may be subtracted from the second body of terms to generate filtered terms. The filtered terms may then be further analyzed using, for instance, Latent Dirichlet Allocation (LDA) to identify emerging terms that may then be categorized and stored in one or more databases. In some examples, emerging terms and/or associated categories may be transmitted to a computing device for display on a dashboard.

IPC Classes  ?

46.

Dynamic schema identification to process incoming data feeds in a database system

      
Application Number 18045192
Grant Number 11947559
Status In Force
Filing Date 2022-10-10
First Publication Date 2024-04-02
Grant Date 2024-04-02
Owner Bank of America Corporation (USA)
Inventor Arumugam Maharaja, Raja

Abstract

A data manager receives a first data layout from a data source and classifies the first data layout as corresponding to a first data domain. The data manager compares the first data layout with one or more existing data layouts that are already classified as corresponding to the first data domain and detects that at least one attribute and corresponding dataset of the first data layout matches with a second attribute and corresponding second dataset from an existing data layout. Data manager generates a second data layout corresponding to the first data layout, wherein the second data layout is a copy of the first data layout with the at least one attribute and the corresponding dataset from the first data layout replaced by the second attribute and the second dataset from the first existing data layout. Data manager loads a data warehouse from the second data layout.

IPC Classes  ?

  • G06F 16/20 - Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
  • G06F 16/21 - Design, administration or maintenance of databases
  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06N 20/00 - Machine learning

47.

Banking at a multi-level ATM

      
Application Number 17965111
Grant Number 11948136
Status In Force
Filing Date 2022-10-13
First Publication Date 2024-04-02
Grant Date 2024-04-02
Owner Bank of America Corporation (USA)
Inventor
  • Thimmareddy, Arjun
  • King, Bryan T.
  • Lee, Alexander S.
  • Varma, Vaishnavi
  • Aidoo, Tony
  • Booze, Paula M.
  • Chandanala, Ramesh B.
  • Conrad, William R.
  • Abdul-Aziz, Juliet
  • Gay, Gerard P.

Abstract

An ATM is configured to interact with a mobile device and provide user access to one or more of the banking services available at the ATM using the mobile device. Banking-related information may be viewed and/or input at the ATM using the mobile device. The ATM may have multiple vertical levels of deposit slots, withdrawal trays and/or receipt dispensers. A level at the ATM at which the user interacts with the ATM for deposits, withdrawals, or receipts may be selected. The level may be specified by the user of the mobile device, at the ATM or using the mobile device, or may be determined by the ATM.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

48.

Artificial Intelligence-Based Lateral Movement Identification Tool

      
Application Number 18528321
Status Pending
Filing Date 2023-12-04
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Sinks, Steven E,
  • Sheedy, Jonathan

Abstract

A lateral movement identification tool analyzes communications sent and received from a local host to identify potential instances of lateral movement. When the host-based lateral movement identification tool identifies a host to host connection, the tool processes one or more artificial intelligence algorithms to analyze information from local network resources including a directory service, a local network system such as a network basic input/output system, a domain name system, and event logs. The lateral movement identification tool correlates the aggregated information with identified host to host messaging and sends alerts when lateral movement is suspected. Alerts may be either presented locally or provided to a central console based on configuration information.

IPC Classes  ?

  • H04L 43/10 - Active monitoring, e.g. heartbeat, ping or trace-route
  • G06N 5/04 - Inference or reasoning models
  • H04L 67/06 - Protocols specially adapted for file transfer, e.g. file transfer protocol [FTP]

49.

BANKING AT A SCREEN-LESS ATM USING A MOBILE DEVICE

      
Application Number 17950252
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Thimmareddy, Arjun
  • King, Bryan T.
  • Lee, Alexander S.
  • Varma, Vaishnavi
  • Aidoo, Tony
  • Booze, Paula M.
  • Chandanala, Ramesh B.
  • Conrad, William R.
  • Abdul-Aziz, Juliet
  • Gay, Gerard P.

Abstract

A screen-less automated teller machine (ATM) may be configured to interact with a mobile device. The ATM may automatically detect the presence of the mobile device in a vicinity of the ATM and initiate contact with the mobile device, or a mobile device may initiate contact with the ATM. After verifying user permission to access the ATM, the mobile device may be enabled to provide user access to one or more of the banking services available at the ATM using the mobile device. As the ATM is screen-less, banking-related information may be viewed and/or input at the ATM using the mobile device. An application on the mobile device may be used to access and interact with the ATM using the mobile device.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

50.

SYSTEMS, METHODS, AND APPARATUSES FOR TRANSMISSION OF VERIFICATION CERTIFICATES IN AN ELECTRONIC NETWORK

      
Application Number 17950286
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Parrish, Jason David
  • Merkel, Brady Prentice

Abstract

The present invention provides for implementing an internal entity intermediate certificate authority via a mutual transport layer security conversation to allow an entity-specific certificate authority to generate its own certificate which is transmitted to a second point in the internal transmission for sending of the external certificate authority generated certificate to the external entity for mutual authentication. Further, in this way, the first point of internal transmission does not have to store the certificate in its own hardware security module.

IPC Classes  ?

51.

SYSTEMS, METHODS, AND APPARATUSES FOR IMPLEMENTING RESOURCE OWNERSHIP VERIFICATIONS IN A FEDERATED DISTRIBUTED LEDGER IN A DISTRIBUTED NETWORK

      
Application Number 17950665
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Merkel, Brady Prentice
  • Macxis, Mardochee
  • Thomas, Richard Huw

Abstract

Systems, computer program products, and methods are described herein for implementing resource ownership verifications in a federated distributed ledger. The present invention is configured to receive a query, wherein the query comprises a resource identifier; identify a federated distributed ledger associated with the resource identifier, the federated distributed ledger comprising data associated with an ownership of a resource associated with the resource identifier; query at least one entity associated with the resource, the query of the at least one entity associated with the resource comprising an update request of the resource, wherein the update request comprises a request to the at least one entity associated with the resource to determine a current owner of the resource; and update the federated distributed ledger with the current owner of the resource.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

52.

SYSTEM AND METHOD FOR SECURELY ELECTRONICALLY TRANSMITTING CRYPTOGRAPHIC CERTIFICATES IN HIGH DATA TRANSMISSION VOLUME

      
Application Number 17950858
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Parrish, Jason David
  • Merkel, Brady Prentice

Abstract

Embodiments of the present invention provide a system for securely electronically transmitting cryptographic certificates in high data transmission volume. The system is configured for initiating setup of an external secure hardware device, storing one or more digital keys and one or more cryptographic certificates associated with the digital keys on the external secure hardware device, determining initialization of an entity application, storing copies of at least the one or more cryptographic certificates in a cache memory of the entity application, generating a request for transmitting to a third party entity, extracting a cryptographic certificate from the cache memory associated with the third party entity, and transmitting the request and the cryptographic certificate to the third party entity.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
  • G06F 9/54 - Interprogram communication

53.

ENERGY OPTIMIZATION PLATFORM FOR CRYPTOCURRENCY MINING

      
Application Number 17953541
Status Pending
Filing Date 2022-09-27
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Mukherjee, Maharaj
  • Albero, George
  • Kim, Jinna

Abstract

Aspects of the disclosure relate to energy optimization. A computing platform may receive a cryptocurrency request indicating a gas price and KPIs of the cryptocurrency request. The computing platform may input the gas price and the KPIs into a mining optimization model, which may cause the mining optimization model to output an energy mix for use in processing the cryptocurrency request. The energy mix may indicate energy sources, capable of providing an amount of energy needed to process the cryptocurrency request and used to support operation of a data center configured to process cryptocurrency requests, and a cost of the amount of energy from the energy mix may be less than a cost of the amount of energy from other available energy sources. The computing platform may send commands directing the data center to process the cryptocurrency request using the energy mix, which may cause it to do so.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
  • G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols

54.

Generating Transaction Recommendations Based on Monitoring and Analyzing Consumer Transactions

      
Application Number 17954567
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Christian, Sam Willliam
  • Moiyallah, Jr., Samuel Massa

Abstract

Aspects of the disclosure relate to generating transaction recommendations based on monitoring and analyzing consumer transactions. The computing platform may monitor consumer transactions and a transaction history associated with a consumer. The computing platform may analyze the transaction history and identify transactional issues the consumer may have experienced. The computing platform may determine whether current enterprise organization programs address the identified transactional issues. If the current enterprise organization programs fail to address the transactional issues, the computing platform may generate solutions to the transactional issues. Alternatively, if the current enterprise organization programs address the transactional issues, the computing platform may retrieve the programs. The computing platform may initiate communication with the consumer to transmit the programs and/or the generated solutions.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

55.

SYSTEM AND METHOD FOR IDENTIFYING AND PREVENTING MISAPPROPRIATION USING NORMALIZED REQUEST SEQUENCES

      
Application Number 17955098
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-03-28
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Merkel, Brady Prentice
  • Georges, Wayne

Abstract

Systems, computer program products, and methods are described herein for identifying and preventing misappropriation using normalized request sequences. The method includes receiving a sequence of two or more requests associated with a user. The method also includes comparing the sequence of two or more requests with one or more past sequence of two or more past requests. The method further includes determining whether the sequence of two or more requests were carried out by the user or the malfeasant actor. The determination is made based on a comparison of the sequence of two or more requests with at least one of the one or more past sequence of two or more past requests. The method also includes causing an escalation action to be executed in an instance in which the sequence of two or more requests was carried out by the malfeasant actor.

IPC Classes  ?

56.

SYSTEM AND METHOD FOR IMPLEMENTING A CLOUD-TO-ENTERPRISE VOICE APPLICATION GATEWAY

      
Application Number 18534134
Status Pending
Filing Date 2023-12-08
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Lubachevsky, Samuel
  • Goodyear, Todd M.

Abstract

A system for establishing a network communication between two or more users receives a request to establish a call between an endpoint device associated with a user and user equipment (UE) associated with a client. The system determines that the endpoint device is available for a call by querying a network node configured to route calls to the endpoint device. The system routes a first call to the endpoint device. The system routes a second call to the UE. The system establishes a call between the user and the client by merging the first call and the second call.

IPC Classes  ?

  • H04L 65/1069 - Session establishment or de-establishment
  • H04L 65/1104 - Session initiation protocol [SIP]
  • H04M 3/51 - Centralised call answering arrangements requiring operator intervention
  • H04M 3/523 - Centralised call answering arrangements requiring operator intervention with call distribution or queuing

57.

DEEP LEARNING ARCHITECTURE FOR ADVERSE MEDIA SCREENING

      
Application Number 17950153
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Bidkar, Prashant Anna
  • Verma, Ranjan
  • Krishnan, T R
  • Khare, Prashant
  • Gahtori, Pradeep
  • Sharoff, Vihar

Abstract

Systems, methods, and apparatus are provided for deep learning architecture for adverse media screening. A dynamic data stream may be generated from news reports acquired from a variety of media channels in a variety of formats. Reports may be separated by format. A graphing module for each type of media may use geometric clustering algorithms to group reports into a coherence graph. Fact-checking sources may be incorporated into the graph. A graph neural network may determine coherence between news claims and fact-checking sources, between news claims and supporting report details, between similar reports, and/or between video and audio within the report itself. The network may output a legitimacy score for a report. A credible report may be flagged and retrieved in the course of a customer screening. Materiality may be determined for a credible report and may trigger a customer account closure protocol.

IPC Classes  ?

  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06N 3/067 - Physical realisation, i.e. hardware implementation of neural networks, neurons or parts of neurons using optical means

58.

Dynamic Context Aware Response System for Enterprise Protection

      
Application Number 17952456
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Wilson, Marlo A.
  • Conner, Mary Anne
  • Miccio, Jr., Mario
  • Hearn, Caleb
  • Dyer, James Harry
  • Stracener, Jason
  • Parayil, Shiby Sugunan

Abstract

Arrangements for providing context aware response functions are provided. In some examples, sensor data may be received from a plurality of sensors in a sensor data farm associated with an enterprise organization. The sensor data may be received from various types of sensors and/or from sensors from various vendors or manufacturers. a machine learning model may be executed to analyze the sensor data. Based on an output of the machine learning model, a determination may be made as to whether one or more enterprise-specific thresholds have been met or exceeded. If not, additional, subsequently received data may be analyzed. If so, one or more notifications or notification actions may be identified. In some examples, the notification or notification actions may be executed and response data may be received. The response data may be used to update and/or validate the machine learning model.

IPC Classes  ?

  • G08B 21/02 - Alarms for ensuring the safety of persons
  • G08B 27/00 - Alarm systems in which the alarm condition is signalled from a central station to a plurality of substations

59.

Sensor Input and Response Normalization System for Enterprise Protection

      
Application Number 17952488
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Wilson, Marlo A.
  • Conner, Mary Anne
  • Miccio, Jr., Mario
  • Hearn, Caleb
  • Dyer, James Harry
  • Stracener, Jason
  • Parayil, Shiby Sugunan

Abstract

Arrangements for sensor data normalization and analysis are provided. In some arrangements, first sensor data may be received from a first sensor of a first sensor type. The first sensor may be associated with a first vendor and may output data in a first format unique to the first vendor. Second sensor data may be received from a second sensor. The second sensor may be a second sensor type. The second sensor may be associated with a second vendor and may output data in a second format unique to the second vendor. The first and second sensor data may be normalized from the first format and second format to a uniform format unique to an enterprise organization. The formatted data may be compared to one or more enterprise-specific thresholds. If one or more thresholds have been met or exceeded, a notification may be generated and transmitted to a computing device.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

60.

MULTIFACTOR AUTHENTICATION VIA BIFURCATED PASSCODE AND NON-FUNGIBLE TOKEN

      
Application Number 17953028
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Berry, Anna Kristen Pingel
  • Ambulkar, Shweta
  • Hardman, Benjamin Daniel
  • Ianni, Angela
  • Joshi, Ravi
  • Kocharyan, Olga
  • Sharief, Luqman
  • Whitaker, Michael Wm.

Abstract

Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials. In response, the user is authenticated based at least on the user credentials that formed the basis for the authentication NFT(s).

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

61.

Typosquatting Detection and Notification

      
Application Number 17954885
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-03-28
Owner Bank of America Corporation (USA)
Inventor
  • Fennell, Scott
  • Texada, Jeffrey
  • Egbert, Jennie Kathleen

Abstract

Arrangements for providing typosquatting detection and notification functions are provided. In some aspects, user input data may be received. The user input may include a website or website address received via a web browser address bar displayed on a user computing device. The user input may be analyzed, using a machine learning model, to determine a likelihood of typosquatting. The determined likelihood may be compared to a threshold and, if the likelihood is below the threshold, the user may proceed with the request to access the website. If the likelihood meets or exceeds the threshold, a notification or user interface may be generated requesting user input confirming that the user input reflects a correct or desired website. User response data may be received and used to update and/or validate the machine learning model.

IPC Classes  ?

62.

Secure data interactions performed by an internet of things (IoT) device

      
Application Number 18181221
Grant Number 11941053
Status In Force
Filing Date 2023-03-09
First Publication Date 2024-03-26
Grant Date 2024-03-26
Owner Bank of America Corporation (USA)
Inventor
  • Krishnan, Subburathinam
  • Balasubramanian, Prabhakaran
  • Khuttumolu, Durga Prasad P
  • Jaini, Yugandhar

Abstract

In response to receiving a tagging request to map a first non-fungible token (NFT) to a first user device, a processor transmits an authorization request to a second user device to map the first NFT to the first user device. In response to receiving an approval of the request, the processor transmits a request to a minting server of an NFT blockchain network to generate the first NFT for the first user device. The processor stores a token ID of the generated first NFT in a memory. In response to receiving a second authorization from the first user device to perform a data interaction, the processor requests the NFT blockchain network based on the token ID, verification of the first user device. In response to receiving an indication that the first user device is verified, the processor processes the data interaction.

IPC Classes  ?

  • G06F 16/901 - Indexing; Data structures therefor; Storage structures
  • G06F 21/44 - Program or device authentication

63.

Generating a modified web farm framework for routing web traffic based on similarities between web traffic requests

      
Application Number 18072777
Grant Number 11943307
Status In Force
Filing Date 2022-12-01
First Publication Date 2024-03-26
Grant Date 2024-03-26
Owner Bank of America Corporation (USA)
Inventor
  • Shringi, Dheeraj
  • Hester, Michael

Abstract

Aspects of the disclosure relate to generating a modified web farm framework for routing web traffic based on similarities between web traffic requests. A computing platform may receive a request to establish a server connection to host a virtual workspace. The computing platform may identify a pod and a server within the pod with network capacity to host the virtual workspace. The computing platform may assign the virtual workspace to the pod and the server, and may generate a cookie indicating connection details associated with the virtual workspace. The computing platform may receive a consumer request to connect to the virtual workspace and may transmit the cookie to the consumer. The computing platform may monitor and analyze the server connection, and may modify the server assignment associated with the virtual workspace based on determining the server connection was lost and/or terminated.

IPC Classes  ?

  • G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
  • H04L 67/1008 - Server selection for load balancing based on parameters of servers, e.g. available memory or workload
  • H04L 67/141 - Setup of application sessions
  • H04L 67/146 - Markers for unambiguous identification of a particular session, e.g. session cookie or URL-encoding

64.

System for performing programmatic operations using an image-based query language

      
Application Number 17357698
Grant Number 11941051
Status In Force
Filing Date 2021-06-24
First Publication Date 2024-03-26
Grant Date 2024-03-26
Owner Bank of America Corporation (USA)
Inventor Raman, Sundarrajan

Abstract

A computing device generates a call in a programming language of a computing application requesting a feature of videos stored in a media repository. A query system receive the call and determines a command associated with obtaining the feature requested by the call. The determined command corresponds to an image analysis to perform on at least a portion of the stored videos. The query system determines, based at least in part on the determined command, an artificial intelligence model to execute on at least the portion of the stored videos. The query system determine, by executing the determined artificial intelligence model, a model output that includes the requested feature. The query system provides, in the programming language of the computing application, an indication of the requested feature.

IPC Classes  ?

  • G06F 16/783 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
  • G06F 16/732 - Query formulation
  • G06N 20/00 - Machine learning
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions

65.

SYSTEM FOR IMPLEMENTING DYNAMIC MULTI-FACTOR SOFT LOCK ON USER IDENTIFIERS

      
Application Number 18527459
Status Pending
Filing Date 2023-12-04
First Publication Date 2024-03-21
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Gadwale, Adithya
  • Wynn, Phanta Danielle

Abstract

Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.

IPC Classes  ?

  • H04L 67/1074 - Peer-to-peer [P2P] networks for supporting data block transmission mechanisms
  • H04L 9/40 - Network security protocols
  • H04L 61/3015 - Name registration, generation or assignment

66.

Detecting and mitigating application security threats based on threat change patterns

      
Application Number 17932850
Status Pending
Filing Date 2022-09-16
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor
  • Ozugur, Timucin
  • Cimijotti, Mark Trenton

Abstract

A system for detecting and mitigating application security threats comprises a processor associated with a server. The processor executes a static security model to analyze a group of development code sets for an application to detect threat objects. The processor determines that a number of threat objects in each development code set is lower than a threshold. The processor further executes a run-time security model to analyze the combined code sets to determine a set of threat object measurements of application product releases for the application. The processor generates a set of threat change ratios per application based on a first threat object measurement and the threat object measurements after the first threat object measurement. The processor determines threat change patterns of the threat change ratios associated with the application product releases for the application. The processor determines whether to trigger a development security model for the application.

IPC Classes  ?

  • G06F 21/55 - Detecting local intrusion or implementing counter-measures

67.

Intelligent healing of mainframe job errors

      
Application Number 17932946
Status Pending
Filing Date 2022-09-16
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor
  • Najumudeen, Syed
  • Karanath, Dalydas
  • Nair, Radhika Vinaikrishnan

Abstract

A system includes a memory and a processor configured to detect that a primary mainframe job has failed, and extracts information related to the failed primary mainframe job, wherein the extracted information includes an error description of an error that caused the primary mainframe job to fail. The processor searches the memory based on the error description for a set of corrective actions corresponding to the error. In response to determining the set of corrective actions based on the search, the processor obtains a criticality index relating to the primary mainframe job. When the criticality index is lower than a criticality index threshold, the processor applies the set of corrective actions in relation to the failed primary mainframe job and processes the failed primary mainframe job after applying the set of corrective actions.

IPC Classes  ?

  • G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance

68.

BANKING AT AN ATM USING A MOBILE DEVICE

      
Application Number 17945283
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor
  • Thimmareddy, Arjun
  • King, Bryan T.
  • Lee, Alexander S.
  • Varma, Vaishnavi
  • Aidoo, Tony
  • Booze, Paula M.
  • Chandanala, Ramesh B.
  • Conrad, William R.
  • Abdul-Aziz, Juliet
  • Gay, Gerard P.

Abstract

Methods for banking at an automated teller machine (ATM) using a mobile device. The ATM may automatically detect the presence of the mobile device in a vicinity of the ATM and initiate contact with the mobile device, or a mobile device may initiate contact with the ATM. After verifying user permission to access the ATM, the mobile device may be enabled to provide user access to one or more of the banking services available at the ATM using the mobile device and to view banking-related information on the mobile device. A mobile application on the mobile device may be used to access the ATM using the mobile device. While a mobile device is accessing the ATM, a screen on the ATM may become inactive for banking services and the option to select banking services directly at the ATM may be disabled.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects

69.

ENERGY OPTIMIZATION PLATFORM USING ARTIFICIAL INTELLIGENCE AND EDGE COMPUTING

      
Application Number 17948621
Status Pending
Filing Date 2022-09-20
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor
  • Mukherjee, Maharaj
  • Albero, George
  • Kim, Jinna

Abstract

Aspects of the disclosure relate to energy optimization. A computing platform may receive an event processing request. The computing platform may identify parameters of the event processing request. The computing platform may input the parameters into a global energy optimization model, to identify an edge computing system at which to process the event processing request. The computing platform may route the event processing request to the edge computing system along with commands to process the event processing request using an energy mix identified by a local energy optimization model, corresponding to the edge computing system, which may cause the edge computing system to: input the parameters of the event processing request into the local energy optimization model to identify the energy mix, and process, using the energy mix, the event processing request.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
  • G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
  • G06Q 50/06 - Electricity, gas or water supply
  • H02J 3/00 - Circuit arrangements for ac mains or ac distribution networks
  • H02J 3/14 - Circuit arrangements for ac mains or ac distribution networks for adjusting voltage in ac networks by changing a characteristic of the network load by switching loads on to, or off from, network, e.g. progressively balanced loading

70.

SYSTEM FOR VIRTUALIZATION OF NON-FUNGIBLE TOKENS

      
Application Number 18520321
Status Pending
Filing Date 2023-11-27
First Publication Date 2024-03-21
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Kurian, Manu Jacob
  • Smiddy, David
  • Kennedy, Harold Joseph

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.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
  • G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]

71.

Detecting and mitigating application security threats based on quantitative analysis

      
Application Number 17932792
Grant Number 11947450
Status In Force
Filing Date 2022-09-16
First Publication Date 2024-03-21
Grant Date 2024-04-02
Owner Bank of America Corporation (USA)
Inventor
  • Ozugur, Timucin
  • Cimijotti, Mark Trenton

Abstract

A system for detecting and mitigating application security threats comprises a processor associated with a server. The processor analyzes a group of code sets of an application and determines a number of the threat objects in each code set. The processor further executes a run-time security model to analyze a combined code sets to determine threat object measurements and false positive measurements of application product releases for the application. The processor determines threat threshold ratios and false positive ratios per application. The processor further generates an array of quartile weights corresponding to a set of quartile ranges of the threat threshold ratios and a set of quartile ranges of the false positive ratios associated with the application. The processor generates an adjusted object measurement for the application based on a corresponding quartile weight in the array. The processor determines whether to trigger a development security model for the application.

IPC Classes  ?

  • G06F 11/36 - Preventing errors by testing or debugging of software
  • G06F 8/60 - Software deployment
  • G06F 8/70 - Software maintenance or management

72.

Early detection and avoidance of mainframe job errors

      
Application Number 17932908
Status Pending
Filing Date 2022-09-16
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor
  • Najumudeen, Syed
  • Karanath, Dalydas
  • Nair, Radhika Vinaikrishnan

Abstract

A system includes a memory and a processor configured to receive a request to process a primary mainframe job and extract information related to the primary mainframe job, wherein the extracted information includes one or more of data files, file attributes and database tables needed to process the primary mainframe job. The processor detects that one or more of the files, the file attributes and the database tables is unavailable, and in response, places the primary mainframe job on hold. The processor monitors availability of the one or more unavailable files, file attributes or database tables and in response to detecting that the one or more unavailable files, file attributes or database tables is available, processes the primary mainframe job.

IPC Classes  ?

  • G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation

73.

MUTUAL TRANSPORT LAYER SECURITY (TLS) VERIFICATION USING AN AUTHORIZED VIEWER

      
Application Number 17946159
Status Pending
Filing Date 2022-09-16
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor
  • Gatchalian, Gilbert
  • Sharma, Kamal D.
  • Rajagopalan, Karthik
  • Delson, Kevin A.
  • Rosseland, Robert R.
  • Touahri, Yassine
  • Ali, Amer
  • Sama, Jyothishwar Reddy
  • Bodapati, Srinivasulu
  • Christman, Brian

Abstract

Methods are provided to secure a mutual Transport Layer Security (TLS) verification between a client computer and a server computer, using an authorized viewer. Methods may include intercepting a file at the authorized viewer. Methods may include using a content inspection Artificial Intelligence (AI) module to inspect the data. Methods may include preventing the transmission of malicious data to a server computer.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/55 - Detecting local intrusion or implementing counter-measures
  • G06F 21/60 - Protecting data

74.

INTELLIGENTLY STORING DATA IN A FAULT TOLERANT SYSTEM USING ROBOTIC PROCESS AUTOMATION AND BLOCKCHAIN

      
Application Number 17948731
Status Pending
Filing Date 2022-09-20
First Publication Date 2024-03-21
Owner Bank of America Corporation (USA)
Inventor Mohanty, Swetapadma

Abstract

Aspects of the disclosure relate to intelligently storing data in a fault tolerant system using robotic process automation and blockchain. The computing platform may generate a parent table to store a plurality of data points, wherein the parent table may comprise, for each data point of a plurality of data points, a row number, a row hash number, row hash nodes, a commit number, and/or commit nodes. The computing platform may identify relationships between the data points, and may generate a row hash node ledger and a commit node ledger to link the row hash nodes and the commit nodes to illustrate the relationships. The computing platform may receive a request to modify and/or restore the parent table. The computing platform may, based on determining an enterprise organization computing device is authorized to modify and/or restore the parent table, modify the ledgers to reflect changes to the parent table.

IPC Classes  ?

  • G06F 16/22 - Indexing; Data structures therefor; Storage structures
  • G06F 16/23 - Updating
  • G06F 16/28 - Databases characterised by their database models, e.g. relational or object models
  • G06F 21/31 - User authentication

75.

AUTO-ADJUST APP OPERATION IN RESPONSE TO DATA ENTRY ANOMALIES

      
Application Number 18515348
Status Pending
Filing Date 2023-11-21
First Publication Date 2024-03-14
Owner Bank of America Corporation (USA)
Inventor
  • Farris, Taylor
  • Gillis, Patricia

Abstract

There is much data that is currently not being captured during user interaction with mobile apps that could provide insight into how to effectively address a user concern. Capturing such data may allow auto-adjustments of operational responses provided by mobile apps in response to detecting anomalous user inputs. Such anomalous user inputs may include keyboard dynamics or mobile device movement that deviate from an average or user specific levels. Such anomalous user inputs may indicate that a user concern is particularly urgent. Auto-adjustments to operation of a mobile app may include initiating targeted chatbot or live chat responses.

IPC Classes  ?

  • H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
  • H04L 51/234 - Monitoring or handling of messages for tracking messages

76.

System and method for integrating real-world interactions within a metaverse

      
Application Number 17931428
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner Bank of America Corporation (USA)
Inventor
  • Patel, Priyeshkumar Chandrakant
  • Singh, Jitender
  • Bledsoe, Matthew Blake
  • Corzo, Jennifer
  • Davidson, Scott Fletcher

Abstract

A system for integrating real-world interactions within a virtual environment comprises a processor associated with a server. The processor receives a request with a first user data from a user device to conduct a first interaction in a real-world environment. The processor processes a user profile and the first user data to generate a virtual meeting area with an entity avatar associated with an entity device. The processor sends a first mobile deep link to the user device to grant access to the virtual meeting area. The processor conducts a second interaction between the user device and the entity avatar in the virtual meeting area and obtains a second user data from the user device. The processor processes the user profile and the second user data to generate contextual objects on a display of the user device. The processor renders the contextual objects into an application profile.

IPC Classes  ?

  • H04L 67/131 - Protocols for games, networked simulations or virtual reality
  • G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
  • H04L 65/403 - Arrangements for multi-party communication, e.g. for conferences

77.

SYSTEM AND METHOD FOR MONITORING AND MANAGING SHARED RIGHTS IN RESOURCE UNITS

      
Application Number 17941449
Status Pending
Filing Date 2022-09-09
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Bazaz, G. Alister
  • Dhawan, Lalit
  • Gridley, Robert N.

Abstract

Embodiments of the present invention provide a system for monitoring and managing shared rights in resource units. In particular, the system may be configured to determine that a first user is initiating a first request to acquire shared rights in a resource, extract and display one or more fractional digital tokens associated with the resource, wherein the one or more fractional digital tokens are digital tokens stored on a distributed register, receive a selection of a first fractional digital token from the first user, extract and display a first security associated with the first fractional digital token, receive an input from the first user to acquire the first fractional digital token, and transfer the first fractional digital token to the first user.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06Q 30/06 - Buying, selling or leasing transactions

78.

AGNOSTIC IMAGE DIGITIZER TO DETECT FRAUD

      
Application Number 18509719
Status Pending
Filing Date 2023-11-15
First Publication Date 2024-03-14
Owner Bank of America Corporation (USA)
Inventor
  • Siekman, James
  • Farrar, Sr., Aubrey Breon
  • Khaleeli, Mohamed Faris
  • Albritton, Patricia Ann
  • Page, Sheila
  • Odiorne, Mark Alan
  • Matos, Marcus R.

Abstract

Methods for enhancing compatibility of a document of an entity with an organization's database on a computer server to facilitate detection of a fraudulent submission. Methods may include receiving a populated document in a first format from the entity, using a processor to digitize the document into a digital format, such as bytes, and further into a second format, where the first format may not be compatible with the database and the second format may be compatible with the database. Methods may include using the processor, optionally running a statistical model, to determine an entity identifier, a predicted value of a data field in the document, and whether there is a difference between the value in the predicted data field and a corresponding value in the populated document. Methods may include implementing a corrective action, such as raising a fraud alert at the organization, when there is a difference.

IPC Classes  ?

  • G06F 16/23 - Updating
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

79.

Optimizing Distributed and Parallelized Batch Data Processing

      
Application Number 18512465
Status Pending
Filing Date 2023-11-17
First Publication Date 2024-03-14
Owner Bank of America Corporation (USA)
Inventor Matos, Marcus

Abstract

Aspects of the disclosure relate to providing and maintaining efficient and effective processing of sets of work items in enterprise computing environments by optimizing distributed and parallelized batch data processing. A computing platform may initialize a monitoring process configured to monitor a pending workload in a work queue database. Subsequently, the computing platform may cause the monitoring process to query the work queue database and create one or more historical records indicative of a workload processing status associated with one or more processing workers. Then, the computing platform may identify one or more new parameter values for one or more processing parameters associated with the one or more processing workers based on the one or more historical records. Thereafter, the computing platform may configure the one or more processing workers based on the one or more new parameter values identified for the one or more processing parameters.

IPC Classes  ?

80.

SYSTEM AND METHOD FOR INTEGRATION OF AUTOMATIC RESPONSE GENERATING SYSTEMS WITH NON-API APPLICATIONS

      
Application Number 18514920
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Welch, Donna Maria
  • Balu, Sudhakar
  • Dhanwada, Srinivasa
  • Paini, Siva Kumar

Abstract

A system includes a memory and a processor. The memory stores a set of videos each of which is associated with an application of a set of applications and depicts a process performed using the application. For each video, the processor generates metadata associated with the depicted process, and stores the metadata within a collection of metadata in the memory. The processor receives a request for information from a user. In response, the processor identifies an application of the set of applications for use in generating a response to the request. The processor generates, based on the collection of metadata, instructions for interfacing with the first application to generate the response. The processor executes the instructions to interface with the first application to generate the response, and transmits the response to the user.

IPC Classes  ?

  • H04N 21/472 - End-user interface for requesting content, additional data or services; End-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification or for manipulating displayed content
  • H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
  • H04L 67/63 - Routing a service request depending on the request content or context
  • H04N 21/443 - OS processes, e.g. booting an STB, implementing a Java virtual machine in an STB or power management in an STB

81.

System, method and graphical user interface for providing a self-service application within a metaverse

      
Application Number 17931478
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner Bank of America Corporation (USA)
Inventor
  • Patel, Priyeshkumar Chandrakant
  • Singh, Jitender
  • Bledsoe, Matthew Blake
  • Corzo, Jennifer
  • Davidson, Scott Fletcher

Abstract

A system for providing a self-service application within a virtual environment comprises a processor associated with a server. The processor receives a request with a first user data from a user device to conduct a first interaction in a real-world environment. The processor processes a user profile and the first user data to generate a virtual meeting area with an entity avatar associated with an entity device. The processor sends a first mobile deep link to the user device to grant access to the virtual meeting area. The processor generates a graphical user interface (GUI) to conduct the second interaction. The processor integrates a first video stream from the user device and a second video stream associated with the entity avatar on the GUI. The processor obtains a second user data from the first video stream and generate contextual objects. The processor renders the contextual objects into an application profile.

IPC Classes  ?

  • G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
  • G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
  • G06F 9/451 - Execution arrangements for user interfaces
  • G06F 9/54 - Interprogram communication

82.

DEFENSIVE DEEPFAKE FOR DETECTING LIVE DEEPFAKED AUDIO AND VIDEO

      
Application Number 17941100
Status Pending
Filing Date 2022-09-09
First Publication Date 2024-03-14
Owner Bank of America Corporation (USA)
Inventor
  • Lohar, Sanjay
  • Crocker, James R.
  • Mayers, Kyle
  • Hammet, W. Scott
  • Keiter, Kelly Renee-Drop

Abstract

Apparatus and methods for using deepfakes defensively to detect fake, spoofed, and hoax phone calls and videoconferences are provided. A program may record a target individual reciting exemplary phrases. The program may analyze the recordings to create a baseline. The program may use deepfake algorithms to create exemplar deepfake audiovisual representations of the target individual. The program may store the data in a database. The program may analyze, in real-time, a phone call or videoconference to determine whether they are legitimate or illegitimate by comparing the audio or audiovisual contents of the phone call or videoconference with the exemplar deepfakes. When the program determines the phone call or videoconference is illegitimate, the program may terminate the call or videoconference and inform the recipient and others.

IPC Classes  ?

  • H04M 3/436 - Arrangements for screening incoming calls
  • G10L 25/27 - Speech or voice analysis techniques not restricted to a single one of groups characterised by the analysis technique
  • G10L 25/51 - Speech or voice analysis techniques not restricted to a single one of groups specially adapted for particular use for comparison or discrimination

83.

SYSTEM AND METHOD FOR MONITORING AND MANAGING SHARED UTLIZATION OF RESOURCE UNITS

      
Application Number 17941444
Status Pending
Filing Date 2022-09-09
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Bazaz, G. Alister
  • Dhawan, Lalit
  • Gridley, Robert N.

Abstract

Embodiments of the present invention provide a system for monitoring and managing shared utilization of resource units. In particular, the system may be configured to receive an input from a user to create a primary digital token for a physical resource on a distributed register, in response to receiving the input, create the primary digital token and store the primary digital token on the distributed register, identify one or more parts of the physical resource, create fractional digital tokens for each of the one or more parts and store the fractional digital token on the distributed register, link each of the fractional digital tokens to the primary digital token, and allow at least one other user to acquire the fractional digital tokens.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06Q 30/06 - Buying, selling or leasing transactions

84.

SYSTEM AND METHOD FOR DYNAMIC DEBUGGING OF DATA IN A TRIAGE ENVIRONMENT INTEGRATION WITH USE OF A VIRTUAL ASSISTANT GRAPHICAL USER INTERFACE

      
Application Number 17942600
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Mishra, Amit
  • Pandey, Anushka
  • Pani, Suvendu Ranjan
  • Viswanathan, Krithika

Abstract

Systems, computer program products, and methods are described herein for developers to initiate development operations from within a development environment of a user application. This can also be extendable dynamically for different user groups (e.g., testers, support, internal associates or employees, or the like), and environments (e.g., lower-level environments, production environments, or the like). As such, the invention offers a dynamic debug mode feature for virtual assistants based on different sections of users and environments.

IPC Classes  ?

  • G06F 11/36 - Preventing errors by testing or debugging of software
  • G06F 9/451 - Execution arrangements for user interfaces

85.

SYSTEMS, METHODS, AND APPARATUSES FOR TRACKING AND LOGGING RESOURCE TRANSFERS VIA A DISTRIBUTED NETWORK

      
Application Number 17942832
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Merkel, Brady Prentice
  • Williamson, Terrence
  • Macxis, Mardochee
  • Philip, Anup
  • Thomas, Richard Huw

Abstract

Systems, computer program products, and methods are described herein for tracking and logging resource transfers in a distributed network. The present invention is configured to generate a distributed ledger associated with a resource identifier; receive a resource transfer associated with the resource identifier, the resource transfer comprising a resource transfer between a sender account and a recipient account; update the distributed ledger based on the resource transfer; and generate a resource token based on the distributed ledger.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

86.

SYSTEMS AND METHODS FOR HYPERSPECTRAL IMAGING BASED AUTHENTICATION

      
Application Number 17943252
Status Pending
Filing Date 2022-09-13
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Arora, Saurabh
  • Bhatia, Sheetal
  • Chauhan, Sandeep Kumar

Abstract

Systems, methods, and computer program products are provided herein for hyperspectral imaging based authentication. An example method includes receiving check data associated with at least a first user and extracting one or more field details from the check data. By leveraging a hyperspectral imaging module, the method further includes generating hyperspectral image data associated with the one or more extracted field details and determining one or more spectral characteristics associated with the one or more extracted field details based on the hyperspectral image data. The method further includes determining a tampering indication for the check data based on the one or more spectral characteristics. The spectral characteristics may include one or more reflectance values associated with extracted field details across a plurality of spectral bands.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G01J 3/28 - Investigating the spectrum
  • G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals
  • G06Q 20/04 - Payment circuits
  • G06T 7/00 - Image analysis
  • G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersections; Connectivity analysis, e.g. of connected components
  • G06V 10/60 - Extraction of image or video features relating to illumination properties, e.g. using a reflectance or lighting model
  • G06V 10/74 - Image or video pattern matching; Proximity measures in feature spaces

87.

SYSTEMS AND METHODS FOR EXTRACTING DISCRETE DATA FROM A DATA UNIT AND MANAGING ACCESS THERETO USING ELECTRONIC DIGITAL CERTIFICATES

      
Application Number 17943931
Status Pending
Filing Date 2022-09-13
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor Singh, Shailendra

Abstract

Systems, computer program products, and methods are described herein for extracting discrete data from a data unit and managing access thereto using electronic digital certificates. The present invention may be configured to receive data units including content, identify discrete data for each data unit, and determine, for each discrete data, qualifications permitting access to the discrete data. The present invention may be configured to generate electronic digital certificates associated with the discrete data and store the electronic digital certificates on a distributed ledger. The present invention may be configured to generate, on the distributed ledger, smart contracts for managing access to the electronic digital certificates by generating smart contracts permitting access to the electronic digital certificates based on the qualifications. The present invention may be configured to automatically permit and/or prevent, using the smart contracts and based on the distributed ledger, access by applications to discrete data.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures
  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

88.

SYSTEMS, METHODS, AND APPARATUSES FOR VERIFYING AUTHENTICATION CREDENTIALS IN AN ELECTRONIC NETWORK

      
Application Number 17944716
Status Pending
Filing Date 2022-09-14
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Landy, Marci Anne
  • Serna, Daniel Joseph
  • Pachorek, Tina Berumen
  • Thompson, Jessica Hope
  • Pindell, Jr., Joseph Henry
  • Mody, Mrunal

Abstract

Systems, computer program products, and methods are described herein for verifying authentication credentials in an electronic network. The present invention is configured to receive a first IP address associated with a first access attempt; determine a first geolocation data based on the first IP address; receive a second IP address associated with a second access attempt; determine a second geolocation data based on the second IP address; determine a geolocation variance between the first and the second geolocation data; determine, based on the geolocation variance, an indication of potential movement between the access attempts; apply, based on the indication of potential movement, a verification machine learning model to the account identifier; generate, by the verification machine learning model, a privacy score; and generate, based on the privacy score, an alert user interface component to configure a GUI of a device associated with the user of the account.

IPC Classes  ?

89.

SYSTEMS, METHODS, AND APPARATUSES FOR IDENTIFYING UNAUTHORIZED USE OF A USER'S AUTHENTICATION CREDENTIALS TO AN ELECTRONIC NETWORK BASED ON NON-PUBLIC DATA ACCESS

      
Application Number 17944746
Status Pending
Filing Date 2022-09-14
First Publication Date 2024-03-14
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Landy, Marci Anne
  • Serna, Daniel Joseph
  • Pachorek, Tina Berumen
  • Thompson, Jessica Hope
  • Pindell, Jr., Joseph Henry
  • Mody, Mrunal

Abstract

Systems, computer program products, and methods are described herein for identifying unauthorized use of a user's authentication credentials to an electronic network based on non-public data access. The present invention is configured to receive a verified access attempt at a first time for a user account; receive an unverified access attempt at a second time for the user account; determine the unverified access attempt is a credential sharing event for the user account; determine the user account is an internal account; determine an unverified user associated with the unverified access attempt is an external user; receive unverified account access logs associated with the unverified access attempt, the unverified account access logs comprising access to non-public data; and generate an unverified data access interface component to configure a graphical user interface of a device associated with a manager of the system.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/60 - Protecting data

90.

Media hosting system employing a secured video stream

      
Application Number 17177736
Grant Number 11928187
Status In Force
Filing Date 2021-02-17
First Publication Date 2024-03-12
Grant Date 2024-03-12
Owner Bank of America Corporation (USA)
Inventor Raman, Sundarrajan

Abstract

A system receives an audio-video recording that includes image frames. For each image frame, a portion of the image frame is identified that corresponds to a first face of a first subject. An image region is determined for the identified portion of the image frame. A first face portion of the audio-video recording is stored that corresponds to the determined image region for each of the image frames along with a private key for the audio-video recording and a first mask identifier for the first subject. A public key is generated for the private key. A remaining portion of the audio-video recording is associated with the generated public key and the first mask identifier for the first subject. The remaining portion, the public key, and the first mask identifier are provided to a media server that communicates with a media player.

IPC Classes  ?

  • G06F 21/10 - Protecting distributed programs or content, e.g. vending or licensing of copyrighted material
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
  • H04N 21/431 - Generation of visual interfaces; Content or additional data rendering
  • H04N 21/433 - Content storage operation, e.g. storage operation in response to a pause request or caching operations

91.

Finger tracking to write on or correct mistakes on physical documents

      
Application Number 18200903
Grant Number 11928265
Status In Force
Filing Date 2023-05-23
First Publication Date 2024-03-12
Grant Date 2024-03-12
Owner Bank of America Corporation (USA)
Inventor
  • Sanctis, Jennifer
  • Bangs, Mary
  • Cadavid, Veronica Andrea
  • Farris, Taylor
  • Gillis, Trish
  • Godley, Jesse James
  • Meyers, Brian
  • Korde, Vishwas

Abstract

Systems and methods for transferring data via a finger tracking smart device from a first user interface (“UI”) to a second UI is provided. The data transferred may be documentation data, including signatures and corrections. The finger tracking smart device may include one or more smart lenses. Methods may include triggering a tracking of the movement of the user's fingers on the first UI and further tracking a start point and an end point of the movement of the user's fingers based on detection of deliberate movements and gestures. Methods may further include capturing a segment of data within the start point of movement and the end point of movement and storing the segment of data in memory on the finger tracking smart device. Methods may further include updating the second UI based on an instruction in a data packet transmitted to the second UI, by inputting the segment of data at a point of movement of the user's fingers on the second UI.

IPC Classes  ?

  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G02B 27/01 - Head-up displays
  • G06T 7/70 - Determining position or orientation of objects or cameras
  • G06T 19/00 - Manipulating 3D models or images for computer graphics
  • H04B 10/116 - Visible light communication

92.

SYSTEM AND METHOD FOR DYNAMICALLY CONFIGURING GRAPHICAL USER INTERFACES BASED ON TRACKING RESPONSE TO INTERFACE COMPONENTS

      
Application Number 17901535
Status Pending
Filing Date 2022-09-01
First Publication Date 2024-03-07
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Dintenfass, Katherine Kei-Zen
  • Black, Christine D.
  • Kim, Jinna Zevulun
  • Taylor, Jo-Ann
  • Vemireddy, Vijaya L.

Abstract

Embodiments of the present invention provide a system for dynamically configuring graphical user interface based on tracking response to interface components. The system is configured for determining that a user has accessed an entity application via a user device, presenting a graphical user interface associated with the entity application to the user on the user device, wherein the graphical user interface comprises one or more interface components, monitoring and capturing response of the user via the user device based on presenting the graphical user interface, gauging the response of the user via an artificial intelligence engine, and dynamically configuring the graphical user interface based on gauging the response of the user.

IPC Classes  ?

  • G06F 3/04845 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range for image manipulation, e.g. dragging, rotation, expansion or change of colour
  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation

93.

SYSTEM AND METHOD FOR CONTROLLING RESOURCES USING PARALLEL COMPUTING DEVICES

      
Application Number 17902179
Status Pending
Filing Date 2022-09-02
First Publication Date 2024-03-07
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Dintenfass, Katherine Kei-Zen
  • Breece, Sandra Ann
  • Macqueen, Karen Lea
  • Hart, Melissa Christine Derville
  • Huggins, Robert Nyeland

Abstract

A system is provided for controlling resources using parallel computing devices. In particular, the system may comprise one or more applications installed across one or more computing devices, where the one or more applications may be configured to control resource transfers. Certain applications may be configured such that one application, such as a primary application, may implement one or more controls or restrictions on resource transfers that may be executed by another application, or a secondary application. The primary application may further be configured to monitor the secondary application to retrieve various types of data from the secondary application, such as resource transfer metrics data. The system may be configured to, based on the data associated with the secondary application, generate one or more resource-related projections with respect to the secondary application. In this way, the system provides an efficient way to control resource transfers across parallel computing devices.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/60 - Protecting data

94.

SYSTEM AND METHOD FOR SCRIPT-BASED QUERYING AND AGGREGATION OF ENDPOINT DATA VIA A DIRECTORY ACCESS PROTOCOL

      
Application Number 17903403
Status Pending
Filing Date 2022-09-06
First Publication Date 2024-03-07
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Regmi, Ambarish
  • Bueche, Elizabeth Anne
  • Pillai, Vineesh Chandran

Abstract

Systems, computer program products, and methods are described herein for script-based querying and aggregation of endpoint data via a directory access protocol. The present invention is configured to deploy a directory access protocol executor to a plurality of endpoint devices, determine an operating system for at least one of the plurality of endpoint devices, select a script to execute at the plurality of endpoint devices, and execute the script via the directory access protocol executor, wherein the script is executed as a login script, wherein the script determines a status of endpoint data at the endpoint, and wherein the endpoint data comprises endpoint tools currently available at the endpoint.

IPC Classes  ?

  • G06F 16/245 - Query processing
  • H04L 67/1097 - Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]

95.

Secure data transfer in a virtual environment using blockchain

      
Application Number 17930242
Status Pending
Filing Date 2022-09-07
First Publication Date 2024-03-07
Owner Bank of America Corporation (USA)
Inventor
  • Bhatia, Sheetal
  • Chauhan, Sandeep Kumar

Abstract

A system for secure data transfer in a virtual environment receives a request to initiate a virtual interaction session between an avatar and an entity within the virtual environment. The avatar is operated by a user using a user device. The system presents a virtual data reader to the avatar. The virtual data reader comprises a screen to display data. The system receives user input from the user device. The user input includes user information and data object to be transferred to the entity. The user input is transferred from the user input to the virtual data reader. The system receives a security token from the avatar. The system verifies that the user input belongs to the user. The system also determines that the security token is valid. In response, the system transfers the data object to the entity and concludes the virtual interaction session.

IPC Classes  ?

  • G06F 21/31 - User authentication
  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer

96.

Communication, Authentication, and Validation Using LoRaWAN Protocol

      
Application Number 17939108
Status Pending
Filing Date 2022-09-07
First Publication Date 2024-03-07
Owner Bank of America Corporation (USA)
Inventor
  • Bidkar, Prashant Anna
  • Upadhyaya, Ankit
  • Khare, Prashant
  • Tamuly, Suman Boroi
  • Singh, Harmeet
  • Indrakanti, Bharat

Abstract

Communication, authentication, and/or validation may be required in various types of device interactions. For example, for some types of device functions, user or device authentication may be required to confirm that the function can and should be performed. Authentication information may be communicated and authentication and/or validation may be performed using LoRaWAN signaling. LoRaWAN signaling provides low power and long-range communication capabilities to efficiently and effectively perform authentication processes. In some arrangements, LoRaWAN signals may be generated by both a first device (e.g., a user device) and a second device (e.g., a function-performing device) and subsequently compared to determine whether they correspond. This correspondence may provide the requisite authentication or validation of the first device and/or an associated user.

IPC Classes  ?

  • H04W 12/122 - Counter-measures against attacks; Protection against rogue devices
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • H04W 12/06 - Authentication

97.

MOBILE DEVICE TRANSACTION PROCESSING SYSTEM AND METHOD USING LORAWAN COMMUNICATIONS

      
Application Number 17939131
Status Pending
Filing Date 2022-09-07
First Publication Date 2024-03-07
Owner Bank of America Corporation (USA)
Inventor
  • Bidkar, Prashant Anna
  • Upadhyaya, Ankit
  • Khare, Prashant
  • Tamuly, Suman Boroi
  • Singh, Harmeet
  • Indrakanti, Bharat

Abstract

Transactions may be performed using a mobile device such as a user-wearable device using LoRaWAN protocol to minimize power consumption while maximizing communication range. Transaction information may be stored in the user-wearable device and transmitted to a transaction processing device using LoRaWAN communications. Transaction information may include user-specific information, payment information, merchant information, product information, user preference information and the like. In some instances, the only communication interface (or wireless communication interface) provided in the mobile device is a LoRaWAN communication interface.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

98.

SYSTEM AND METHOD FOR DETERMINING DEVICE STATUS USING LORAWAN

      
Application Number 17939143
Status Pending
Filing Date 2022-09-07
First Publication Date 2024-03-07
Owner Bank of America Corporation (USA)
Inventor
  • Bidkar, Prashant Anna
  • Upadhyaya, Ankit
  • Khare, Prashant
  • Tamuly, Suman Boroi
  • Singh, Harmeet
  • Indrakanti, Bharat

Abstract

Device information may be obtained using LoRaWAN communications. A device information request may be generated and transmitted by a user device and include request parameters such as a device type for which information is desired, a type of information requested, a geographic range for the request, and the like and/or combinations thereof. Device information requests may also be propagated or repeated by intermediary devices to achieve the desired request range. Accordingly, a recipient device of the original request may propagate or repeat, using LoRaWAN, a request signal if it determines that the request range has not been met. If the request range has been met, the recipient device might not repeat the request.

IPC Classes  ?

  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
  • H04W 12/06 - Authentication

99.

SYSTEMS AND METHODS FOR GENERATING AND TRAINING A MODULE SELECTION ENGINE FOR DISTRIBUTION ALLOCATION IN A NETWORK ENVIRONMENT

      
Application Number 17902361
Status Pending
Filing Date 2022-09-02
First Publication Date 2024-03-07
Owner BANK OF AMERICA CORPORATION (USA)
Inventor
  • Macqueen, Karen Lea
  • Hart, Melissa Christine Derville
  • Dintenfass, Katherine Kei-Zen

Abstract

Systems, computer program products, and methods are described herein for generating and training a module selection engine for distribution allocation in a network environment. The present invention is configured to receive a subordinate user account identifier associated with a subordinate user account; determine a supervisor user account identifier associated with the subordinate user account identifier; apply a module selection engine to the subordinate user account identifier, wherein the module selection engine determines a plurality of modules to present to the subordinate user based on the subordinate user account identifier; generate, by the module selection engine, a plurality of module interface components; transmit the plurality of module interface components to a user device associated with the subordinate user account; and determine a plurality of module completion statuses for each module of the plurality of module interface components.

IPC Classes  ?

  • G06Q 50/20 - Education
  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
  • H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks

100.

System and method for pre-authenticating user devices within a metaverse

      
Application Number 17929353
Status Pending
Filing Date 2022-09-02
First Publication Date 2024-03-07
Owner Bank of America Corporation (USA)
Inventor
  • Akkapeddi, Naga Vamsi Krishna
  • Kurian, Manu J.

Abstract

A system for pre-authenticating a user device to navigate through virtual operation areas comprises a processor associated with a server. The processor accesses a virtual environment and receives an interaction request from the user device for an interaction session. The processor determines a set of virtual operation areas in a virtual environment based on the interaction request. The processor generates a corresponding meta-profile associated with a user profile by mapping each pre-authentication token associated with the user device from a corresponding physical location to a corresponding virtual operation area. The processor generates an avatar associated with the user device and associates the avatar to the meta-profile and a set of pre-authentication tokens for the avatar to access the virtual operation areas. The processor identifies a first pre-authentication token associated with the user device and a first level virtual operation area and dynamically grants a first level authentication to the avatar.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • G06T 11/00 - 2D [Two Dimensional] image generation
  • H04L 67/131 - Protocols for games, networked simulations or virtual reality
  • H04L 67/306 - User profiles
  • H04L 67/52 - Network services specially adapted for the location of the user terminal
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