公开(公告)号：US20250028799A1

公开(公告)日：2025-01-23

申请号：US18224198

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F21/32

Abstract: Apparatus, methods and systems for continual biometric authentication of a user on a user device is provided. Methods may create, for the user, a biometric authentication reference model. Methods may store the biometric authentication reference model at a database associated with the user device. In response to an instantiation of a session by the user on the user device, methods may execute a continual biometric scan. The scanning may be executed until the session is terminated. Methods may identify a number of comparison points between the scanned and stored biometric identifiers. In response to determining that the number of identified comparison points is below a predetermined threshold number of comparison points, methods may initiate a passcode request. The passcode request may request a confirmation of a preset user-selected passcode. In response to determining that the passcode response does not match the preset user-selected passcode, methods may terminate the session.

公开(公告)号：US20250028797A1

公开(公告)日：2025-01-23

申请号：US18222524

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F21/31

Abstract: Systems and Method are provided for an Anti-Pattern Captcha. Methods may include AI software receiving a request from a user to access a system or website, the request comprising user credentials. Methods may include the AI software identifying a human user associated with the user credentials. Methods may include the AI software compiling data related to a plurality of unique behavior patterns associated with the human user when interacting online. Methods may include the AI software analyzing the compiled data to establish the unique behavior patterns. Methods may include the AI software presenting a challenge to the user. Methods may include the AI software verifying that the user is the human user upon a response to the challenge that deviates from at least one of the unique behavior patterns. Methods may include the AI software prompting the user to interact with the system or website upon verification.

公开(公告)号：US20220027865A1

公开(公告)日：2022-01-27

申请号：US16935542

申请日：2020-07-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Justin Riley DuPont ,  Charles Jason Burrell ,  Tony England ,  Catherine Goss ,  Michael Robert Hasslinger ,  Christina Ann Lillie ,  John Allen Sellers ,  Vincent Butler ,  John Livaditis ,  Karen Lea MacQueen ,  Ana Maxim

IPC: G06Q20/06 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q40/02 ,  G06Q20/22

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an auxiliary hub for passive resource conversion and collection. The system generations and provides a centralized hub for passive resource conversion. The passive resources may be linked from a third party to the hub for direct extraction of the passive resource to the hub. Furthermore, the system may translate the passive resource into active resource via a modification ratio based on the type of passive resource and passive resource provider. The user may then be able to utilize this centralized auxiliary hub for completion or partial completion of resource distributions. The invention further provides a graphical user interface that integrates the centralized auxiliary hub with user mobile applications, on-line applications, and the like allowing for partial selection from the hub and other resource sources for distribution.

公开(公告)号：US12260694B2

公开(公告)日：2025-03-25

申请号：US17868229

申请日：2022-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Victoria L. Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: G07C9/27 ,  G06Q20/38 ,  H04L9/00

Abstract: Systems, computer program products, and methods are described herein for token thread authentication system for physical space access. The present invention is configured to extract and organize collected NFTs and tokens within a first plurality of threads in accordance with a set of chronological and authenticating parameters. The present invention is structured to interact with an entity network system to receive authenticating requirements, query stored tokens, and present a token thread for achieving authentication. The system is structured to verify the token thread authentication and to grant access to a location to a requesting user. The system is configured to generate and to present a display associated with the token thread authentication process.

公开(公告)号：US20250039149A1

公开(公告)日：2025-01-30

申请号：US18225763

申请日：2023-07-25

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Young Patel ,  Michael Young

IPC: H04L9/40

Abstract: A personal artificial intelligence (AI) system may be used to conduct business with one or more entities. The personal AI system may automatically replicate security rules from another AI system to provide initial security rules and may adjust the initial security rules based on information about the user to generate revised security rules. The rules adjustments may also be based on the entities with which the user does business. An AI firewall may be generated to control access to the personal AI system by a second AI system, with which business may be conducted. To permit interactions with the second AI system, the AI firewall may require that the second AI system provide the personal AI system with data relating to previous transactions between the user and the operator of the second AI system. The data may include the monetary amount of each of multiple recent transactions.

公开(公告)号：US20250028977A1

公开(公告)日：2025-01-23

申请号：US18224155

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06N5/022

Abstract: Systems and methods for an artificial intelligence-based auditor of artificial intelligence may be provided. The artificial-intelligence-based auditor may operate on one or more hardware processors. The artificial intelligence-based auditor may continually scan one or more operating artificial intelligence systems for productivity and operability. The scan may identify a data source powering the one or more operating artificial intelligence systems. The scan may measure a delta between an output from each of the one or more operating artificial intelligence systems. The scan may identify trends in quality of the one or more operating artificial intelligence systems. The scan may analyze instances where the one or more operating artificial intelligence systems outputted data outside of a parameter range. Based on the scan, the auditor may label each of the one or more operating artificial intelligence systems as positive, neutral or negative.

公开(公告)号：US20250028851A1

公开(公告)日：2025-01-23

申请号：US18222527

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F21/62

Abstract: Methods and system are provided for tuning an artificial intelligence (“AI”) system. The methods and system may include training the AI system to identify distinct users their distinct interactions. The training may include receiving datatsets related to a plurality of distinct users and their plurality of distinct interactions. The AI system may parse the datasets to arrive at a plurality of sets of distinct interactions performed by respective distinct users, each distinct interaction may be associated with a level of security clearance. The AI system may receive a request from a user to access information. The methods and system may include the AI system initiating a communication with the user. The communication may be compared with the each set of distinct interactions until a user and level of security can be identified. The AI system may prompt the user to access information on the level of security clearance identified.

公开(公告)号：US20250028798A1

公开(公告)日：2025-01-23

申请号：US18224187

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Young Patel ,  Michael Young

IPC: G06F21/31

Abstract: Artificial intelligence (AI) impersonation detection using an AI model is provided. Methods may train an AI model. The training may provide the AI model with a first dataset including a communication between two or more human users, a second and third dataset including an impersonation of the communication by a public AI model and a private AI model respectively. Methods may identify a first identifier set in the first dataset, a second identifier set in the second dataset and a third identifier set in the third dataset. Methods may create a parameter range for the first, second and third identifier set. The methods may include monitoring a production communication using the AI model. The AI model may compare the production communication with the parameter ranges. Methods may identify a smallest comparison value. Methods may, based on the identified smallest comparison value, identify the origin of the production communication.