公开(公告)号：US20230012424A1

公开(公告)日：2023-01-12

申请号：US17369120

申请日：2021-07-07

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram ,  Nandini Rathaur ,  Puneetha Polasa ,  Vibhu Srivastava

IPC: G07F19/00 ,  H04W4/38 ,  H04W4/029

Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

公开(公告)号：US20220407927A1

公开(公告)日：2022-12-22

申请号：US17348931

申请日：2021-06-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Kumar Chauhan ,  Ravikiran Subramanya Rao ,  Chinmay S. Barhale ,  Ravi Kesani ,  Yash Sharma

IPC: H04L29/08

Abstract: Embodiments of the present invention provide a system for triggering cross channel data caching on network nodes. Historical event data and live event data of a user may be monitored to determine an expected event that includes one or more expected channels. An expected period of time for the expected event may also be determined. Relevant user data may then be identified from one or more systems of record and cached or otherwise compressed. One or more nodes of a network associated with each of the one or more expected channels are then identified. The cached data is then transmitted to virtual data structures associated with each of the one or more nodes. The cached data is then generally maintained in these virtual data structures on the network for the expected period of time.

公开(公告)号：US11527250B2

公开(公告)日：2022-12-13

申请号：US16918811

申请日：2020-07-01

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram

IPC: G10L17/22 ,  G06F21/32 ,  G06N20/00 ,  G10L17/00 ,  H04L67/55

Abstract: Methods, systems, and computing platforms for mobile data communication are disclosed. Processor(s) may be configured to electronically receive a plurality of user mobile interaction data to initiate a session on processing server. The processor(s) may be configured to electronically process the user mobile interaction data with AI including predefined user activity data for actions. The processor(s) may be configured to electronically determine whether one of more of the user mobile voice data samples includes a session key data command and responsive to the session key data command, electronically initiating a biometric authentication of the user mobile voice data samples. In some implementations, the system processor(s) may be configured to electronically initiate a second computing session for the computer platform while receiving the plurality of user mobile interaction voice data.

公开(公告)号：US11467663B2

公开(公告)日：2022-10-11

申请号：US16925004

申请日：2020-07-09

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Ravi Kumar Kesani

IPC: G06F3/01 ,  H04W4/12 ,  H04W4/02 ,  A61B5/378

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for wireless communication between a brain activity morning system and a resource. The system may receive a transmission that indicates a resource account and password based on a first brain activity signal. The system determines, based on a first brain activity signal, that the first brain activity signal indicates the password associated with the resource account. The system can also perform a resource transaction with a resource distribution device.

公开(公告)号：US20220309369A1

公开(公告)日：2022-09-29

申请号：US17838958

申请日：2022-06-13

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sneha Padiyar ,  Nandini Rathaur

IPC: G06N5/04 ,  G06N20/00 ,  G06F16/25

Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.

公开(公告)号：US11455571B2

公开(公告)日：2022-09-27

申请号：US16442221

申请日：2019-06-14

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Srinivasa Rao Dakshinyam

IPC: G06N20/00 ,  G06F16/13

Abstract: An apparatus includes a database and a processor. The database stores a set of services, each of which produces outputs when provided inputs. The processor determines a machine learning policy that can be applied to a first service to determine a descriptor file assigned to the service. The first service can produce a first output when provided a first input. The descriptor file includes the first output type and the first input type. The processor applies the machine learning policy to the set of services to determine a set of descriptor files. The processor receives a request from a user for a second service that produces a second output given a second input. The processor then locates a second descriptor file that includes the second output type and the second input type, determines a third service assigned to the descriptor file, and sends the third service to the user.

公开(公告)号：US20220254209A1

公开(公告)日：2022-08-11

申请号：US17730827

申请日：2022-04-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Radha Janakiraman ,  Sandeep Kumar Chauhan

IPC: G07C9/00 ,  H04L9/08 ,  G06T19/00

Abstract: Systems, computer program products, and methods are described herein for secure access and initiation using a remote terminal. The present invention is configured to determine that a secondary user has entered a secure environment, wherein the secure environment comprises a safe-deposit box associated with a primary user; determine that the secondary user has initiated an augmented reality session using a computing device associated with the secondary user; automatically generate a digital authentication key in response determining that the secondary user has entered the secure environment and has initiated the augmented reality session; electronically receive, from the computing device associated with the primary user, an authorization to transmit the digital authentication key to the computing device associated with the secondary user; transmit the digital authentication key to the computing device associated with the secondary user; and emulate the augmented reality session on the computing device associated with the primary user.

公开(公告)号：US20220180285A1

公开(公告)日：2022-06-09

申请号：US17116109

申请日：2020-12-09

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Madhuri Aniruddha Deshpande ,  Moses Salagala ,  Jagadish Reddy

IPC: G06Q10/06 ,  G06N20/00 ,  G06N5/04 ,  G06Q30/02 ,  G06Q10/10 ,  G06Q10/04 ,  G06F16/93 ,  G06F11/36

Abstract: Systems for optimized forecasting are provided. In some examples, data associated with strategy of one or more business units may be received. The strategy data may include identification of projects or goals. In some examples, industry trend data may be received and may include data associated with in-demand job skills and the like. An instruction to capture user data may be transmitted to one or more user devices of an employee user. The instruction may cause activation of one or more sensors or data capture devices. The captured user data may be received and analyzed to determine a competency of the user. Based on the strategy data, industry data and determined competency, one or more deficiencies between the resources needed to meet the business unit strategy data and the available resources may be identified. Based on the identified deficiency, one or more actions for execution may be identified and executed.

公开(公告)号：US11356266B2

公开(公告)日：2022-06-07

申请号：US17019079

申请日：2020-09-11

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sarat Kumar Magatapalli ,  Yash Sharma

IPC: H04L9/32 ,  H04L9/06

Abstract: A system receives a login sample. The login sample is decomposed into first and second layers. A verification media sample is decomposed into first and second layers. The system determines that the first layer of the login sample does not match the first layer of the verification sample, that the second layer of the login sample does not match the second layer of the verification sample, or both. First and second critical portions are extracted from the login sample. A first and second login hash are generated from the first and second critical portions. A first and second ledger hash are retrieved from a blockchain ledger. It's determined that the first login hash does not match the first ledger hash, the second login hash does not match the second ledger hash, or both. The user is flagged.

公开(公告)号：US11265396B1

公开(公告)日：2022-03-01

申请号：US17060243

申请日：2020-10-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram

IPC: H04L12/24 ,  H04L12/851 ,  H04L12/927 ,  H04L12/911 ,  G06F15/16 ,  H04W40/24 ,  H04W16/22 ,  G06F16/23 ,  G06F12/0875 ,  G06F12/0862 ,  H04L67/568 ,  H04L43/0864 ,  G06F12/0802

Abstract: Embodiments of the invention are directed to system structured for dynamically adapted, time latency-based, cross channel data caching for performing electronic activities. The invention is structured for selective proactive data caching based on interdependency of electronic activities and transformation of cached data for transmission through a plurality of communication channels, for reducing memory and processing burdens on data caching servers and reducing turnaround time for activity execution. Specifically, the invention is configured to detect initiation of a first technology activity event by a user at a first time, and in response, determine a second interdependent technology activity event. The invention is also structured for caching second event data for the second technology activity event prior to a second time associated with initiation of the second technology activity event at a second network device associated with a second communication channel.