公开(公告)号：US20240020372A1

公开(公告)日：2024-01-18

申请号：US17867291

申请日：2022-07-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Geetika Lal ,  Sandeep Kumar Chauhan ,  Ramarao Gaddam ,  Anil Gajula ,  Koteswara Rao Venkata Magham ,  Suman Matury ,  Santosh Kumar Miryala ,  Ravikiran Subramanya Rao ,  Yash Sharma ,  Sudarshan Veeramreddy ,  Durgesh Singh Yadav

IPC: G06F21/33 ,  G06F3/01

CPC classification number: G06F21/33 ,  G06F3/017

Abstract: Embodiments of the present invention removes the need for a physical interaction between a user and a user device such that the user can gesture at a certain distance from the machine in order to enter their personal verification information. This invention provides a seamless way for the user to authenticate themselves. The present invention utilizes various intelligent systems for image, video, and proximity data analysis in order to provide an intuitive touchless experience when interacting with a resource dispensing machine or resource activity processing machine to conduct various activities related to user resource accounts.

公开(公告)号：US20240013166A1

公开(公告)日：2024-01-11

申请号：US17860221

申请日：2022-07-08

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

IPC: G06Q20/04 ,  G06Q20/38

CPC classification number: G06Q20/042 ,  G06Q20/3821

Abstract: Systems, methods, and apparatus are provided for secure check exception remediation in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US20230385807A1

公开(公告)日：2023-11-30

申请号：US17826426

申请日：2022-05-27

Applicant: Bank of America Corporation

Inventor： Sheetal Bhatia ,  Sandeep Kumar Chauhan

IPC: G06Q20/34

CPC classification number: G06Q20/352 ,  G06Q20/355

Abstract: Systems and methods for providing an integrated secondary communication network are provided. A method may include receiving an indication of a pre-determined trigger event, and presenting, via a user interface of a smart card, an option to perform a limited subset of a set of financial services. The set of financial services may be provided to a user of the smart card by a financial institution in connection with an account to which the smart card is keyed. The method may include the smart card bypassing the primary communication network, in response to receipt of a selection to perform a service from the limited subset of the set of financial services, and transmitting, via a transmitter of the smart card to a gateway of the secondary communication network, communication packets requesting the service. The method may also include the gateway forwarding the communication packets to a server of the secondary communication network, and, in response to receipt of the communication packets, the server causing the service to be performed.

公开(公告)号：US20230328058A1

公开(公告)日：2023-10-12

申请号：US17716662

申请日：2022-04-08

Applicant: BANK OF AMERICA CORPORATION

Inventor： Puneetha Polasa ,  Sandeep Kumar Chauhan ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Udaya Kumar Raju Ratnakaram

IPC: H04L9/40

CPC classification number: H04L63/0861 ,  H04L63/126 ,  H04L63/102

Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.

公开(公告)号：US20230316289A1

公开(公告)日：2023-10-05

申请号：US17702480

申请日：2022-03-23

Applicant: Bank of America Corporation

Inventor： Puneetha Polasa ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Udaya Kumar Raju Ratnakaram ,  Sandeep Kumar Chauhan

IPC: G06Q20/40

CPC classification number: G06Q20/405 ,  G06Q20/4014 ,  G06Q20/409

Abstract: Rules and triggers for initiating and generating transactions can be dynamically and automatically created by a computing device based on learning behaviors for a knowledgebase. This knowledgebase may be created by storing historical transaction information for devices within a particular network such as an Internet of Things (IoT) network where devices are interconnected and capable of processing data and instructions. Such a network may be associated with a user or location or organization, and may conform to a specific communication protocol.

公开(公告)号：US11748755B2

公开(公告)日：2023-09-05

申请号：US17389508

申请日：2021-07-30

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Jagadish Reddy

IPC: G06Q20/34 ,  G06Q20/40

CPC classification number: G06Q20/4014 ,  G06Q20/341

Abstract: Apparatus and methods for securing a transaction. The apparatus may include a transaction instrument. The transaction instrument may be configured to exchange transaction data to effect a transaction by engagement of a microprocessor with a transacting party. The transaction instrument may include a sensor. The sensor may be configured to sense an environmental parameter. The sensor may be in electrical communication with the microprocessor. The apparatus may run analysis using a distributed model. In the distributed model, heavy processing may be performed at the pattern registration platform, and light processing may be performed on on-board processors on the transaction instrument. The environmental parameter may be associated with one or more behaviors of the user.

公开(公告)号：US20230269294A1

公开(公告)日：2023-08-24

申请号：US18135890

申请日：2023-04-18

Applicant: Bank of America Corporation

Inventor： Yash Sharma ,  Sandeep Kumar Chauhan

IPC: H04L67/104 ,  G06F11/34 ,  G06F16/27 ,  H04L67/1074

CPC classification number: H04L67/1051 ,  G06F11/3409 ,  G06F16/27 ,  H04L67/1085

Abstract: Domain-based server-selection computer-implemented processes and machines implement an extension of RAFT consensus for leader selection based on patterns of update data proximity. Accounts involved in payment or other transactions are maintained as “sharded” data across data store instances that are split into shards according to their temporal activity. If the domain attributes for a node exceed a threshold and are greater than the other nodes, the node is designated as a leader node and the others are designated as follower nodes. This provides an additional optimization in network performance by introducing insights in normal operations within a domain in a distributed network. If the domain attributes do not exceed the threshold and/or are not greater than the other nodes, a traditional consensus algorithm is used to select leader and follower nodes.

公开(公告)号：US20230262133A1

公开(公告)日：2023-08-17

申请号：US17674431

申请日：2022-02-17

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sneha Padiyar ,  Eshita Gupta

IPC: H04L67/146 ,  H04L67/148 ,  H04L67/00 ,  H04L67/55 ,  H04L41/22

CPC classification number: H04L67/146 ,  H04L67/148 ,  H04L67/34 ,  H04L67/26 ,  H04L41/22

Abstract: A system includes a memory and a processor. The processor is configured to determine that a user has ceased using a first device while the user was in an active user session with an application. The processor is further configured to determine a last user interface with which the user interacted on the first device and to determine user-supplied information from the last user interface. The processor is further configured to determine that the user is attempting to start a new user session with the application on a second device, and in response, display a message on the second device inquiring if the user wishes to continue with the last user interface. The processor is further configured to display a new user interface on the second device that corresponds to the last user interface and display the user-supplied information from the last user interface in the new user interface.

公开(公告)号：US20230131232A1

公开(公告)日：2023-04-27

申请号：US17507126

申请日：2021-10-21

Applicant: Bank of America Corporation

Inventor： Udaya Kumar Raju Ratnakaram ,  Puneetha Polasa ,  Sandeep Kumar Chauhan ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Prashanthi Jambula ,  Shravan Kumar Kondoju

IPC: G06Q20/40 ,  G06Q20/22 ,  G06Q20/38 ,  G06Q40/02 ,  H04L29/06

Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.

公开(公告)号：US20230034821A1

公开(公告)日：2023-02-02

申请号：US17389508

申请日：2021-07-30

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Jagadish Reddy

IPC: G06Q20/40 ,  G06Q20/34

Abstract: Apparatus and methods for securing a transaction. The apparatus may include a transaction instrument. The transaction instrument may be configured to exchange transaction data to effect a transaction by engagement of a microprocessor with a transacting party. The transaction instrument may include a sensor. The sensor may be configured to sense an environmental parameter. The sensor may be in electrical communication with the microprocessor. The apparatus may run analysis using a distributed model. In the distributed model, heavy processing may be performed at the pattern registration platform, and light processing may be performed on on-board processors on the transaction instrument. The environmental parameter may be associated with one or more behaviors of the user.