公开(公告)号：US10298575B2

公开(公告)日：2019-05-21

申请号：US15372692

申请日：2016-12-08

Applicant: Bank of America Corporation

Inventor： Joseph Benjamin Castinado ,  Akiva D. Kates ,  Tracey Mochnal

IPC: G06F1/26 ,  H04L29/06 ,  G06F16/951

Abstract: Aspects of the disclosure relate to multicomputer processing of an event authentication request with centralized event orchestration. A computing platform may receive a request to authenticate an event. Subsequently, the computing platform may generate a first authentication dataset and receive a second authentication dataset. Then, the computing platform may calculate unauthorized access likelihood scores based on the first and second authentication datasets. Thereafter, the computing platform may calculate an event security score based on the unauthorized access likelihood scores. Subsequently, the computing platform may generate first event authentication commands. Next, the computing platform may send the first event authentication commands to an unauthorized access computing device. Then, the computing platform may receive a result of an unauthorized access analysis. Subsequently, the computing platform may generate, based on the result of the unauthorized access analysis, second event authentication commands. Thereafter, the computing platform may send the second event authentication commands.

公开(公告)号：US20190132733A1

公开(公告)日：2019-05-02

申请号：US15802024

申请日：2017-11-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Charles Russell Kendall

IPC: H04W12/06 ,  H04L29/06 ,  G16H10/60

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for electroencephalogram patterning recognition for user authentication into one or more physical or digital locations. In this way, the system may generate a spectral analysis baseline electroencephalogram reading for a user that can be segmented and analyzed based on a specific time span associated with a known stimulus or event, and diagnostic applications generally focus on either event-related potentials or the like. Upon initiating a request to enter a location requiring authentication, an electroencephalogram reading may be generated and patterned after the baseline electroencephalogram reading for the user. The system may perform patterned recognition of the readings and provide an authentication confidence of the user for authentication into the location.

公开(公告)号：US10264049B2

公开(公告)日：2019-04-16

申请号：US15167032

申请日：2016-05-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Alicia C. Jones-McFadden ,  Joseph Benjamin Castinado

IPC: G06F13/00 ,  H04L29/08 ,  G06Q40/00

Abstract: A system for monitoring resource utilization and electronic validation includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application; and transmit an electronic validation that a transaction executed by the resource application is complete.

公开(公告)号：US10216830B2

公开(公告)日：2019-02-26

申请号：US15839364

申请日：2017-12-12

Applicant: Bank of America Corporation

Inventor： Akiva D. Kates ,  Tracey A. Mochnal ,  Jack Vaalburg ,  Joseph Benjamin Castinado ,  Kay Griep ,  Robert Foote ,  Brandon Castagna ,  Rob Oddy

IPC: G06Q50/00 ,  G06F17/30 ,  G06Q20/10 ,  G06Q40/04

Abstract: Aspects of the disclosure relate to multicomputer processing of client device request data using a centralized event orchestrator and a link discovery engine. A computing platform may receive event definition information defining an event. Subsequently, the computing platform may receive a request for a recipient-selection user interface. The computing platform may mine alias data associated with a unique alias linked to a recipient computing device and may generate one or more relational user interface elements having relational content mined from the alias data. Then, the computing platform may send a delivery selection user interface having the one or more relational user interface elements to the recipient computing device. The computing platform may receive delivery selection information from the recipient computing device and may generate and send one or more event orchestration commands directing an event processor to execute one or more actions associated with the event.

公开(公告)号：US20190043023A1

公开(公告)日：2019-02-07

申请号：US15669162

申请日：2017-08-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Manu Jacob Kurian ,  Joseph Benjamin Castinado

IPC: G06Q20/04 ,  G06Q20/40

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for inter-entity resource validation authentication. In this way, the system may validate in real-time a resource distribution. The system may confirm the accuracy and authentication of a resource distribution. In this way, the system identifies via system integration resource distribution origination and stores network attributes associated therewith. The system may integrate into receiving entities and generate scanning of the resource distribution when received at a receiving institution. The system may perform hash algorithm review of the network attributes for the drafted distribution to the received distribution for validation, in real-time, of the resource distribution.

公开(公告)号：US10153983B2

公开(公告)日：2018-12-11

申请号：US15343705

申请日：2016-11-04

Applicant: Bank of America Corporation

Inventor： Joseph Benjamin Castinado ,  Sean Michael Gutman ,  Phillip Wade Mork ,  Sandeep Kumar Chauhan

IPC: G06F15/173 ,  H04L12/911 ,  H04L29/08

Abstract: Systems, apparatus are defined that provide for determining optimal resource channels for delivering resources using contextual and prior usage data analysis. As such, the present invention is able to determine and communicate to the resource presenter the optimal resource channel, in which optimal is defined as being most beneficial to the resource presenter and/or resource processor. In this regard, the present invention takes into account the efficiency (i.e., time to process), cost, security, usage, and other benefits associated with the resource presenter and/or resource processor in determining which resource channel is optimal for any given resource delivery event.

公开(公告)号：US10135817B2

公开(公告)日：2018-11-20

申请号：US15082476

申请日：2016-03-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado

IPC: G06F7/04 ,  H04L29/06 ,  G06F21/32

Abstract: The present invention provides for biometric authentication of users using current, updatable biometric data/standards. In this regard, the present invention provides for creation of a registry of authentication information that dynamically, over time, receives biometric authentication-related information (e.g., photographs, voice samples, fingerprints, signatures and the like) from diverse devices configured to capture/sense such. The devices may be devices associated with the user, such as mobile communication devices, devices locate in the user's residence or the like, or the devices may be public devices, such as security cameras, point-of-sale devices or the like, which are configured to capture and electronically communicate biometric authentication-related information. In response to invoking a biometric authentication application and receiving a user's biometric credentials/identifier, the registry is accessed so that a comparison may be made between the user's current biometric credentials and the biometric data stored within the registry.

公开(公告)号：US20180267904A1

公开(公告)日：2018-09-20

申请号：US15462036

申请日：2017-03-17

Applicant: Bank of America Corporation

Inventor： Manu Jacob Kurian ,  Joseph Benjamin Castinado

IPC: G06F12/14 ,  G06F3/06

CPC classification number: G06F3/0647 ,  G06F3/0622 ,  G06F3/067

Abstract: An automated item transfer vehicle typically includes an item storage unit and an item transfer unit configured to (i) dispense items stored in the item storage unit and (ii) receive items and store the items in the item storage unit. The vehicle also typically includes a memory, a processor, and an item transfer application stored in the memory. The item transfer application is typically configured to: receive an activity request from a user, wherein the activity request includes (i) a request to withdraw items or (ii) a request to store items; authenticate an identity of the user; determine that the location of the vehicle is within an authorized region of the user; and in response to authenticating the identity of the user and determining that the location of the automated item transfer vehicle is within the authorized region of the user, process the activity request.

公开(公告)号：US20180255000A1

公开(公告)日：2018-09-06

申请号：US15449334

申请日：2017-03-03

Applicant: Bank of America Corporation

Inventor： Joseph Benjamin Castinado ,  William August Stahlhut

IPC: H04L12/911

CPC classification number: H04L47/823

Abstract: A system for providing resource distribution channels based on predicting future resource distributions typically includes a classical computer apparatus and a quantum optimizer in communication with the classical computer apparatus. The classical computer apparatus identifies resource transfer information related to a resource transfer of a user, wherein the user receives a resource collection as a result of the resource transfer. The quantum optimizer analyzes the resource transfer information to predict a future resource distribution of the resource collection. The classical computer apparatus then compares attributes of the future resource distribution to attributes of multiple resource distribution channels, identifies a resource distribution channel having attributes corresponding to the attributes of the future resource distribution, and transmits a command configured to cause a client application stored on a device of the user to display an interface having a selectable option for transferring the resource collection using the resource distribution channel.

公开(公告)号：US20180234325A1

公开(公告)日：2018-08-16

申请号：US15430951

申请日：2017-02-13

Applicant: Bank of America Corporation

Inventor： Samuel Massa Moiyallah, JR. ,  Joseph Benjamin Castinado

IPC: H04L12/26 ,  G06N99/00 ,  H04L29/08 ,  H04L12/24

CPC classification number: H04L67/1097 ,  G06N99/005

Abstract: Aspects of the disclosure relate to implementing and using a data processing system with a machine learning engine to provide enterprise monitoring functions. A computing platform may receive environment mapping data from a distributed computing environment. Subsequently, the computing platform may generate a machine learning dataset based on the environment mapping data. Then, the computing platform may validate the machine learning dataset and may monitor the distributed computing environment. Based on monitoring the distributed computing environment, the computing platform may detect an environmental modification in the distributed computing environment. After detecting the environmental modification in the distributed computing environment, the computing platform may receive updated environment mapping data from the distributed computing environment. Subsequently, the computing platform may generate an updated machine learning dataset based on the updated environment mapping data received from the distributed computing environment.