公开(公告)号：US20240243988A1

公开(公告)日：2024-07-18

申请号：US18096448

申请日：2023-01-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  Lalit Dhawan ,  Sanjeev Verma

IPC: H04L43/10

CPC classification number: H04L43/10

Abstract: Embodiments of the present invention provide a system for segmenting and controlling transmission of data in computing networks. The system is configured for identifying initiation of transmission of a data file from a first storage container to a second storage container via a first network path, wherein the first network path comprises one or more network nodes, in response to identifying initiation of the transmission of the data file, generating a data tag for the data file, wherein the data tag is generated based on one or more file attributes, embedding the data tag into the data file, and allowing the transmission of the data file comprising the data tag, via the first network path and the one or more network nodes.

公开(公告)号：US20240185295A1

公开(公告)日：2024-06-06

申请号：US18073655

申请日：2022-12-02

Applicant: Bank of America Corporation

Inventor： Eric Dryer ,  Pratap Dande ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Lalit Dhawan ,  Linda Haddad ,  Morgan Allen

IPC: G06Q30/02

CPC classification number: G06Q30/0255 ,  G06Q30/0257

Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

公开(公告)号：US20240184876A1

公开(公告)日：2024-06-06

申请号：US18072903

申请日：2022-12-01

Applicant: Bank of America Corporation

Inventor： Rohit Sawkar ,  Pratap Dande ,  Morgan Allen ,  Kevin A. Delson ,  Gilbert Gatchalian ,  Swetha Ravi ,  Lalit Dhawan

IPC: G06F21/45 ,  G06F21/32

CPC classification number: G06F21/45 ,  G06F21/32

Abstract: Systems and methods for multi-dimensional voice-based digital authentication are provided. Methods include receiving, at a central server from a remote user device, a request to access a protected digital resource; displaying a prompt, at the device, requesting a spoken password expression; capturing, at the device, an expression spoken in response to the prompt; determining that the expression satisfies predetermined attributes of the password expression; calculating a voice pattern representation of the expression; determining that the voice pattern representation of the expression satisfies a threshold similarity to a voice pattern representation of the user that is stored in a database at the central server; and, in response to the expression satisfying the predetermined attributes of the password expression and satisfying the threshold similarity to the voice pattern representation of the user that is stored in the database at the central server, authorizing the device to access the protected digital resource.

公开(公告)号：US11985665B2

公开(公告)日：2024-05-14

申请号：US17345115

申请日：2021-06-11

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa ,  Lalit Dhawan ,  Robert Nyeland Huggins ,  Pratap Dande ,  Michael Joseph Carroll ,  Brandon Sloane ,  Vijaya L Vemireddy

IPC: H04W72/20 ,  H04W12/08 ,  H04W72/51 ,  H04W72/563

CPC classification number: H04W72/20 ,  H04W12/08 ,  H04W72/51 ,  H04W72/563

Abstract: Embodiments of the present invention provide a secure edge device for contactless resource distribution and resource crediting from an automobile. In this way, the edge device may be affixed to or embedded within the side or the mirror of an automobile and be able to communicate with a third party device using near field communication. Upon authentication of a user, the edge device may communicate with the third party to transmit and present data about the resource distribution to the automobile display. The system allows for the user to select the resource distribution via the automobile display and provide a completion of resource distributions.

公开(公告)号：US20240087015A1

公开(公告)日：2024-03-14

申请号：US17941444

申请日：2022-09-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： G. Alister Bazaz ,  Lalit Dhawan ,  Robert N. Gridley

IPC: G06Q40/04 ,  G06Q30/06

CPC classification number: G06Q40/04 ,  G06Q30/06 ,  G06Q2220/123

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.

公开(公告)号：US20240012888A1

公开(公告)日：2024-01-11

申请号：US17811146

申请日：2022-07-07

Applicant: Bank of America Corporation

Inventor： Jayachandra Varma ,  Manu Kurian ,  Lalit Dhawan

IPC: G06F21/31 ,  H04L67/306 ,  H04L67/131 ,  H04L67/52 ,  G06T11/00

CPC classification number: G06F21/31 ,  H04L67/306 ,  H04L67/131 ,  H04L67/52 ,  G06T11/00

Abstract: A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.

公开(公告)号：US20220239546A1

公开(公告)日：2022-07-28

申请号：US17723068

申请日：2022-04-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alejandro Jose Carao ,  Govinda Rajulu Nelluri ,  Srinivasa Rao Dakshinyam ,  Christine Meloro Hill ,  Lalit Dhawan ,  Anup C. Menon ,  Donald S. Curtis ,  Sudhaker Raj ,  Robert Julian Oddy ,  Claire A. Rolfes ,  Sumita Desai

IPC: H04L41/02 ,  H04L67/10 ,  H04L9/40 ,  G06F16/23

Abstract: A system for integration and interoperability between disparate distributed server technologies is provided. In particular, the system may provide communications functionality between heterogenous distributed register technology networks. In this regard, the system may establish an interoperability layer between the disparate networks to allow cross-network process flows to be executed. The interoperability layer may comprise one or more network services nodes for each distributed register technology to be integrated by the system. Each network services nodes may act as an event handler for internal processes executed within a given distributed register network and be configured to send and receive data from other network services nodes regarding the execution of such processes. The respective network services may then use the data obtained regarding such internal processes to in turn execute its own processes. In this way, the system may efficiently integrate networks using disparate distributed register technologies.

公开(公告)号：US11301807B2

公开(公告)日：2022-04-12

申请号：US16831372

申请日：2020-03-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Christine Meloro Hill ,  Manu Jacob Kurian ,  Lalit Dhawan ,  Robert N. Gridley ,  G. Alister Bazaz

IPC: G06Q10/08 ,  G06F16/27

Abstract: The present disclosure is directed to a novel system for using a distributed register to conduct, manage, and store resource tracking data. In particular, computing systems may be used to perform assessments on and track various diagnostic parameters for a fleet of resources within an enterprise environment and store the data records within the distributed register. Data may be received in a periodic manner, event-based manner, or a continuous manner from on-board diagnostic components of the resources. The system may further comprise one or more distributed register interjectors which may trigger the addition of updated data records for one or more resources in the distributed register. In this way, the system provides for a highly efficient way to track and analyze resource data and forecast value and condition of resources belonging to the entity.

公开(公告)号：US20210407459A1

公开(公告)日：2021-12-30

申请号：US17474348

申请日：2021-09-14

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Lalit Dhawan

IPC: G09G5/02 ,  G06T3/40 ,  G06T11/60 ,  G06T11/00

Abstract: Aspects of the disclosure relate to deploying and utilizing a dynamic data stenciling system with a smart linking engine. A computing platform may receive source data from one or more data source systems. Subsequently, the computing platform may identify a target application hosted by an enterprise application host platform as being an intended recipient of a portion of the source data. Then, the computing platform may select a dynamic data stencil from a plurality of available data stencils. Thereafter, the computing platform may overlay the portion of the source data onto the target application using the dynamic data stencil. In addition, by overlaying the portion of the source data onto the target application using the dynamic data stencil, the computing platform may cause the target application to execute one or more data processing functions using the portion of the source data received from the one or more data source systems.

公开(公告)号：US20200169471A1

公开(公告)日：2020-05-28

申请号：US16202307

申请日：2018-11-28

Applicant: Bank of America Corporation

Inventor： Lalit Dhawan ,  Manu Kurian

IPC: H04L12/24 ,  G06F16/14 ,  G06N20/00 ,  H04L29/08

Abstract: Aspects of the disclosure relate to transferring data using a dynamic data management system. A computing platform having at least one processor, a memory, and a communication interface may receive, by the at least one processor, via the communication interface, and from a dynamic data management node, at least one organization computing system data file profile and a plurality of client computing device data file profiles. The computing platform may identify, based on the at least one organization computing system data file profile, the plurality of client computing device data file profiles, and a machine learning dataset, a potential match between the at least one organization computing system data file profile and at least one client computing device data file profile. The computing platform may establish a connection with the at least one client computing device and, while the connection is established, transmit a notification which, when processed by the one or more client computing devices, causes the notification to be displayed on the at least one client computing device.