公开(公告)号：US11917071B2

公开(公告)日：2024-02-27

申请号：US17517933

申请日：2021-11-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

IPC: H04L9/32 ,  G06F21/64 ,  H04L9/00

CPC classification number: H04L9/3239 ,  G06F21/64 ,  H04L9/3231 ,  H04L9/3247 ,  H04L9/50 ,  H04L2209/08

Abstract: A universal tag linked to the content of a data file for protecting the authenticity of the data file and/or the owner/creator of a digital file. The universal tag is linked to the content in the data file via one or more input keys/seeds that are used to generate the universal tag and rely on data associated with the content. Once generated, the universal tag is registered on a distributed ledger of at least on distributed trust computing network, which acts as a source of truth to validate the universal tag and, as such, validate (i) an authenticity of the data file, and/or (ii) the user associated with the data file (e.g., rightful possessor and/or creator of the digital file).

公开(公告)号：US11792009B2

公开(公告)日：2023-10-17

申请号：US17347159

申请日：2021-06-14

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04L9/32 ,  H04L9/14

CPC classification number: H04L9/3213 ,  H04L9/14 ,  H04L9/3231

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

公开(公告)号：US20230269197A1

公开(公告)日：2023-08-24

申请号：US18114930

申请日：2023-02-27

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: H04L47/80 ,  H04L41/50 ,  H04L12/14 ,  H04L41/5006

CPC classification number: H04L47/808 ,  H04L41/5096 ,  H04L12/14 ,  H04L41/5006

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20230198953A1

公开(公告)日：2023-06-22

申请号：US17553946

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 ,  H04W12/03 ,  H04W72/04 ,  H04W76/23 ,  H04W12/102 ,  H04W76/14 ,  H04W12/63 ,  G06Q20/32

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W72/048 ,  H04W76/23 ,  H04W12/102 ,  H04W76/14 ,  H04W12/63 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

公开(公告)号：US20230198871A1

公开(公告)日：2023-06-22

申请号：US17553446

申请日：2021-12-16

Applicant: BANK OF AMERICA CORPORATION

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

IPC: H04L43/067 ,  H04L43/0829 ,  H04L43/00 ,  H04L43/50 ,  H04W24/10

CPC classification number: H04L43/067 ,  H04L43/0829 ,  H04L43/14 ,  H04L43/50 ,  H04W24/10

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

公开(公告)号：US11669367B2

公开(公告)日：2023-06-06

申请号：US16837847

申请日：2020-04-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Paulette LaShon Bryant ,  Kathleen Hanko Trombley ,  Therese Humburg Willis ,  Paul Benton Murphy ,  Lee Ann Proud

IPC: G06F9/50 ,  H04L9/40 ,  G06Q20/02 ,  H04L51/066 ,  H04L67/565

CPC classification number: G06F9/5005 ,  G06Q20/023 ,  H04L63/08 ,  G06F2209/503 ,  H04L51/066 ,  H04L67/565

Abstract: Embodiments of the invention are directed to a system, method, or computer program product generation and analysis of real-time resource requests via a resource platform. A resource platform is provided for receiving and automating the management and processing of resource requests submitted by entities or users. The system embraces a fully digital approach to resource request processing, analysis, authentication, and reporting. In addition, the invention allows for analysis of reconciliation data of executed resource transfers for identification of useful trends that can be used for proactive accommodation of entity policies to align with perceived user preferences.

公开(公告)号：US11665163B2

公开(公告)日：2023-05-30

申请号：US16905462

申请日：2020-06-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Lee Barry Frantz ,  Lee Ann Proud ,  Ann Ta

IPC: G06Q20/08 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q40/02 ,  G06Q40/00 ,  G06Q30/00 ,  G06Q30/02 ,  G06F16/29 ,  G06F9/50 ,  H04L9/40 ,  G06Q40/10 ,  G06Q20/10 ,  G06Q30/018 ,  G06Q30/0204

CPC classification number: H04L63/10 ,  G06F9/5083 ,  G06F16/29 ,  G06Q20/1085 ,  G06Q20/202 ,  G06Q20/207 ,  G06Q20/3224 ,  G06Q40/02 ,  G06Q40/10 ,  H04L63/107 ,  G06Q30/0185 ,  G06Q30/0205

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for dynamic resource interaction allocation based on geographic positioning and usage category information associated with a resource interaction system. The invention receives a base positional location and category of usage for a resource interaction system. The invention determines a set of parameters to be used for interactions having characteristics meeting the determined base positional location and category of usage information. When it receives a proposed interaction from a requesting system containing geographic information and usage category information associated with the proposed interaction, it determines whether the geographic information and usage category information associated with the proposed interaction correspond to the base positional location and category of usage for the resource interaction system. If the information matches, the invention applies the set of parameters to the interaction to thereby process the interaction.

公开(公告)号：US20230045301A1

公开(公告)日：2023-02-09

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

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：US20230035919A1

公开(公告)日：2023-02-02

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: H04L29/06 ,  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：US20230033954A1

公开(公告)日：2023-02-02

申请号：US17388592

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: G06F21/31 ,  G06F21/45

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.