公开(公告)号：US12273333B2

公开(公告)日：2025-04-08

申请号：US18169370

申请日：2023-02-15

Applicant: Bank of America Corporation

Inventor： Jatin Agrawal ,  Heather Dolan ,  Adithya Gadwale ,  Catalina Enciso ,  Akeem Perez

IPC: H04L9/40

Abstract: A system for transitioning an interaction session initiated within a metaverse to a real-world environment to complete the interaction session comprises a metaverse server in communication with an entity server. The metaverse server receives an interaction request from an avatar to initiate an interaction session with an entity within a virtual environment. The metaverse server generates an instruction token for a user instruction and a session identifier for the interaction session. The metaverse server obtains a user identity token from the entity and authorizes the avatar to interact with the entity. The metaverse server conducts the first interaction between the avatar and the entity and generates a first interaction token for the first interaction. The entity server validates the user identity token and the first interaction token from the user device in the real-world environment. The entity server conducts a second interaction with the user to complete the interaction session.

公开(公告)号：US20250023891A1

公开(公告)日：2025-01-16

申请号：US18221108

申请日：2023-07-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Heather Roseann Dolan ,  Adithya Gadwale ,  Vikram Modi

IPC: H04L9/40

Abstract: Systems, computer program products, and methods for detecting and preventing malfeasant activity based on patterns in malfeasant activity are provided. The method includes receiving a plurality of communication data packets associated with one or more online forums. Each communication data packet includes communication(s) within a conversation on the online forum(s). The method also includes determining a first malfeasant communication data packet of the plurality of communication data packets. The malfeasant communication data packet is associated with a conversation in which malfeasant activity is being discussed. The method further includes determining first malfeasant activity characteristic(s) from the first malfeasant communication data packet indicative of malfeasant activity. The method also includes detecting a potential malfeasant activity based on at least one of the first malfeasant activity characteristic(s). The method further includes causing an execution of a malfeasant activity mitigation action to reduce or eliminate potential effects of the potential malfeasant activity.

公开(公告)号：US20240098141A1

公开(公告)日：2024-03-21

申请号：US18527459

申请日：2023-12-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Adithya Gadwale ,  Phanta Danielle Wynn

IPC: H04L67/1074 ,  H04L9/40 ,  H04L61/3015

CPC classification number: H04L67/1078 ,  H04L61/3015 ,  H04L63/08 ,  H04L63/102 ,  H04L63/107

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.

公开(公告)号：US20230237572A1

公开(公告)日：2023-07-27

申请号：US17584835

申请日：2022-01-26

Applicant: Bank of America Corporation

Inventor： Jayachandra Varma ,  Adithya Gadwale ,  Ganesh Bonda

IPC: G06Q40/02 ,  G06Q40/04

CPC classification number: G06Q40/025 ,  G06Q40/04

Abstract: A system comprises a processor configured to receive user criteria associated with an operation and to obtain a plurality of segment candidates from a plurality of sources, each source configured to provide a segment of the operation that corresponds to a respective segment candidate obtained from said source. The processor is configured to determine a plurality of operation structure candidates for the operation. Each operation structure candidate is determined based on aggregating a respective subset of the plurality of segment candidates. The processor is configured to determine a priority for each operation structure candidate based on prioritization rules stored in memory of the system and based on the user criteria. The processor is configured to communicate an output indicating one or more of the operation structure candidates for the operation. The output is based on the priority.

公开(公告)号：US20230237198A1

公开(公告)日：2023-07-27

申请号：US17582470

申请日：2022-01-24

Applicant: Bank of America Corporation

Inventor： Ganesh Bonda ,  Adithya Gadwale ,  Jayachandra Varma

IPC: G06F3/06 ,  G06F21/64

CPC classification number: G06F3/0622 ,  G06F21/64 ,  G06F3/0647 ,  G06F3/0683

Abstract: An entity data record includes, for each of a plurality of entities, a plurality of attribute data entries. Each attribute data entry indicates a characteristic of the entity. For each entity of the plurality of entities, an authentication score is determined indicating an extent to which the characteristics indicated by the attribute data entries for the entity are authenticated. The authentication score is stored in memory for each entity in the entity data record. A device provides a request for information about a first entity of the plurality of entities. After receiving the request, one or more attribute entries associated with the first entity and a first authentication score of the first entity are provided to the device.