公开(公告)号：US12294612B2

公开(公告)日：2025-05-06

申请号：US18429681

申请日：2024-02-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04L41/0853 ,  H04L41/0866 ,  H04L41/22

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US12099618B2

公开(公告)日：2024-09-24

申请号：US17343103

申请日：2021-06-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa

IPC: G06F21/62 ,  G06N20/00 ,  G06T7/00

CPC classification number: G06F21/6209 ,  G06N20/00 ,  G06T7/0002 ,  G06T2207/20081

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for intelligent verification of digital files via the analysis of metadata and other file characteristics. The system is adaptive, in that it can be adjusted based on the needs or goals of the user utilizing it, or may intelligently and proactively adapt based on the files or data received for processing. The system may be seamlessly embedded within existing applications or programs that the user may already use to interact with one or more entities.

公开(公告)号：US20240244293A1

公开(公告)日：2024-07-18

申请号：US18096761

申请日：2023-01-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Hope Barus ,  Oscar Guzman ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts

IPC: H04N21/442 ,  G06F16/951 ,  H04N21/2389

CPC classification number: H04N21/44218 ,  G06F16/951 ,  H04N21/23892

Abstract: Embodiments of the present invention provide a system for analyzing using artificial intelligence engines depicted in audio visual content. The system is configured for determining that a user has accessed a first audio visual content on an audio visual content providing platform, performing a frame-by-frame analysis to determine one or more resources depicted in the first audio visual content, identifying one or more third party systems associated with the one or more resources, crawling the one or more third party systems associated with the one or more resources, extracting resource information associated with the one or more resources from the one or more third party systems based on crawling the one or more third party systems, and embedding the resource information associated with the one or more resources in the first audio visual content.

公开(公告)号：US11880440B2

公开(公告)日：2024-01-23

申请号：US17397484

申请日：2021-08-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: G06F21/31 ,  G06F40/279

CPC classification number: G06F21/316 ,  G06F40/279

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a scheme evaluation authentication system to evaluate user action and machine learned pattern recognition for misappropriation activity prevention. In this way, bot and token deployment is utilized for identification of user actions to generate a user idiosyncrasy database. Using the database, the system creates a real-time scheme evaluation authentication for user authentication upon user attempted authentications. As such, a user may by authenticate irrespective of user inputs, but instead based on a match of user actions at the authentication location in real-time compared to the idiosyncrasy database.

公开(公告)号：US20240022553A1

公开(公告)日：2024-01-18

申请号：US17813070

申请日：2022-07-18

Applicant: Bank of America Corporation

Inventor： Brandon Devon Ingram ,  Joseph Castinado ,  Naoll Addisu Merdassa

IPC: H04L9/40

CPC classification number: H04L63/08

Abstract: A system includes a memory and a processor coupled to the memory. The processor is configured to receive a first user credential associated with a user and authorize an avatar of the user to enter a virtual environment. The processor receives a second user credential associated with the user and authorizes the first avatar to access a virtual entity in the virtual environment. The processor receives a request from the user to authenticate the virtual entity and, in response, retrieves user data associated with the user and presents it to the user in the virtual environment. The processor receives an indication from the user that the virtual entity is authentic. The processor then receives a request from the user to perform a virtual data interaction with the virtual entity and initiates the requested data interaction.

公开(公告)号：US20230199027A1

公开(公告)日：2023-06-22

申请号：US17553921

申请日：2021-12-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  H04L41/22 ,  H04L41/0866 ,  H04L41/0853

CPC classification number: H04L63/18 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/166 ,  H04L41/22 ,  H04L63/20 ,  H04L41/0866 ,  H04L41/0853

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20230009622A1

公开(公告)日：2023-01-12

申请号：US17372721

申请日：2021-07-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Kevin Graham Robberts ,  Naoll Addisu Merdassa ,  Brandon Ingram ,  Ann Ta ,  Hosam Sonny ElHamahmy

IPC: G06F9/50 ,  G06F21/60 ,  G06F9/451

Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.

公开(公告)号：US20250016144A1

公开(公告)日：2025-01-09

申请号：US18886487

申请日：2024-09-16

Applicant: Bank of America Corporation

Inventor： Brandon Devon Ingram ,  Joseph Castinado ,  Naoll Addisu Merdassa

IPC: H04L9/40

Abstract: A system includes a memory and a processor coupled to the memory. The processor is configured to receive a first user credential associated with a user and authorize an avatar of the user to enter a virtual environment. The processor receives a second user credential associated with the user and authorizes the first avatar to access a virtual entity in the virtual environment. The processor receives a request from the user to authenticate the virtual entity and, in response, retrieves user data associated with the user and presents it to the user in the virtual environment. The processor receives an indication from the user that the virtual entity is authentic.

公开(公告)号：US12170657B2

公开(公告)日：2024-12-17

申请号：US17388550

申请日：2021-07-29

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: H04L9/40 ,  G06F16/23 ,  G06Q40/02 ,  G06Q40/06

Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.

公开(公告)号：US20240354384A1

公开(公告)日：2024-10-24

申请号：US18759026

申请日：2024-06-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: G06F21/31 ,  G06F21/45 ,  G06F21/57

CPC classification number: G06F21/316 ,  G06F21/45 ,  G06F21/577

Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.