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公开(公告)号：US20240176650A1
公开(公告)日：2024-05-30
申请号：US18071843
申请日：2022-11-30
Applicant: Bank of America Corporation
Inventor： Lalit Dhawan , Swetha Ravi , Pratap Dande
CPC classification number: G06F9/4806 , G06F9/453 , G06N3/004
Abstract: Apparatus and methods are provided for an autonomous bot that learns from user activity. The bot then autonomously acts to complete tasks that the user typically performs. The bot may detect and act in response to detecting a problem with an application. The bot may dynamically generate guidance that assists the user completing a target task. Illustrative guidance may include highlighting differences between software applications, identifying information missing from a document or form and demonstrating how to obtain the needed information or complete a task.
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公开(公告)号：US20240161074A1
公开(公告)日：2024-05-16
申请号：US17986098
申请日：2022-11-14
Applicant: Bank of America Corporation
Inventor： Lalit Dhawan , Manu Kurian , Kathy E. Robbins , Stanley J. Schwartz , Radha Karuppannan
CPC classification number: G06Q20/102 , G06Q20/14 , G06Q20/40145
Abstract: Apparatus and methods for an intelligent and automatic bill payment decisor are provided. A program may receive two or more bills payable by a user and including information. The program may provide two or more selectable wealth-creation goals to the user and receive the user's selection. The program may also receive access to an account belonging to the user. The program may analyze the two or more bills, the selected wealth-creation goals, the user account, and other information to determine which bill to pay first and in what amount. The program may then transfer funds from the user's account to pay the bill(s) as determined. The program may also negotiate with the payment recipient(s). The program may also pay one or more bills with a revolving line-of-credit.
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公开(公告)号：US20240087016A1
公开(公告)日：2024-03-14
申请号：US17941449
申请日：2022-09-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： G. Alister Bazaz , Lalit Dhawan , Robert N. Gridley
CPC classification number: G06Q40/04 , G06Q30/06 , G06Q2220/123
Abstract: Embodiments of the present invention provide a system for monitoring and managing shared rights in resource units. In particular, the system may be configured to determine that a first user is initiating a first request to acquire shared rights in a resource, extract and display one or more fractional digital tokens associated with the resource, wherein the one or more fractional digital tokens are digital tokens stored on a distributed register, receive a selection of a first fractional digital token from the first user, extract and display a first security associated with the first fractional digital token, receive an input from the first user to acquire the first fractional digital token, and transfer the first fractional digital token to the first user.
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公开(公告)号：US20240005011A1
公开(公告)日：2024-01-04
申请号：US17809743
申请日：2022-06-29
Applicant: Bank of America Corporation
Inventor： Lalit Dhawan , Manu J. Kurian
IPC: G06F21/60
CPC classification number: G06F21/604 , G06F2221/2113
Abstract: A system includes a memory, a user device that can be used by a user to enter a virtual environment and a processor coupled to the user device and the memory. The processor is configured to receive a first user credential from the user to perform a first data interaction in the virtual environment with a second user. The processor detects that the first user and the second user are part of a first virtual community, invokes a first set of rules, and processes the first request according to the first set of rules. The processor receives a second request from the first user to perform a second data interaction in the virtual environment with a third user. The processor detects that the third user is part of a second virtual community, invokes a second set of rules, and processes the second request according to the second set of rules.
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15.发明授权公开(公告)号：US11799712B2
公开(公告)日：2023-10-24
申请号：US17723068
申请日：2022-04-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Alejandro Jose Carao , Govinda Rajulu Nelluri , Srinivasa Rao Dakshinyam , Christine Meloro Hill , Lalit Dhawan , Anup C. Menon , Donald S. Curtis , Sudhaker Raj , Robert Julian Oddy , Claire A. Rolfes , Sumita Desai
IPC: H04L41/02 , H04L67/10 , H04L9/40 , G06F16/23 , H04L47/783 , G06F16/27 , H04L67/1097 , G06F9/46 , G06F16/185
CPC classification number: H04L41/02 , G06F16/2379 , G06F16/27 , H04L47/783 , H04L63/102 , H04L67/10 , H04L67/1097 , G06F9/466 , G06F16/185
Abstract: A system for integration and interoperability between disparate distributed server technologies is provided. In particular, the system may provide communications functionality between heterogenous distributed register technology networks. In this regard, the system may establish an interoperability layer between the disparate networks to allow cross-network process flows to be executed. The interoperability layer may comprise one or more network services nodes for each distributed register technology to be integrated by the system. Each network services nodes may act as an event handler for internal processes executed within a given distributed register network and be configured to send and receive data from other network services nodes regarding the execution of such processes. The respective network services may then use the data obtained regarding such internal processes to in turn execute its own processes. In this way, the system may efficiently integrate networks using disparate distributed register technologies.
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Patent Agency Ranking
公开(公告)号：US11599390B2
公开(公告)日：2023-03-07
申请号：US16831467
申请日：2020-03-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christine Meloro Hill , Manu Jacob Kurian , Lalit Dhawan , Robert N. Gridley , G. Alister Bazaz
Abstract: A network of systems used for tracking of performance of resources and components thereof using resource information. The resource information may include resource performance information (e.g., operation of the resource or components thereof, or the like) that is stored within a distributed computing network. The resource performance information may be compared to resource thresholds and used to determine and distribute resource suggestions for the resource. The distributed computing network may comprise a plurality of nodes that host a distributed register for storing, updating, and allowing access to resources and resource performance information, resource thresholds, and resource suggestions.
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17.发明授权公开(公告)号：US11171839B2
公开(公告)日：2021-11-09
申请号：US17201991
申请日：2021-03-15
Applicant: Bank of America Corporation
Inventor： Lalit Dhawan , Manu Kurian
Abstract: Aspects of the disclosure relate to transferring data using a dynamic data management system. A computing platform having at least one processor, a memory, and a communication interface may receive, by the at least one processor, via the communication interface, and from a dynamic data management node, at least one organization computing system data file profile and a plurality of client computing device data file profiles. The computing platform may identify, based on the at least one organization computing system data file profile, the plurality of client computing device data file profiles, and a machine learning dataset, a potential match between the at least one organization computing system data file profile and at least one client computing device data file profile. The computing platform may establish a connection with the at least one client computing device and, while the connection is established, transmit a notification which, when processed by the one or more client computing devices, causes the notification to be displayed on the at least one client computing device.
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18.发明申请公开(公告)号：US20210304089A1
公开(公告)日：2021-09-30
申请号：US16831342
申请日：2020-03-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Christine Meloro Hill , Manu Jacob Kurian , Lalit Dhawan , Robert N. Gridley , G. Alister Bazaz
Abstract: Validated tracking and managing of events associated with equipment during a usage lifetime. Equipment is registered within a distributed register/ledger of a distributed trust network according to an equipment identifier and subsequently events related to the equipment are registered and managed within the distributed register/ledger during the usage lifetime. Such events include resource arrangement-related events and property-right-related events. In addition, logic may be included in the distributed register/leger that triggers various actions in response to the events.
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公开(公告)号：US20200226677A1
公开(公告)日：2020-07-16
申请号：US16378700
申请日：2019-04-09
Applicant: Bank of America Corporation
Inventor： Lalit Dhawan , Ron Papka , Brandon Castagna
Abstract: Apparatus and methods for utilizing distributed electronic ledger technology to process and record syndicated loan payments are provided. An agent address may receive an interest payment from a borrower address (e.g., interest accrual). The agent address may distribute the interest, pro rata, to members of a lender consortium and records the payments on the distributed electronic ledger. The distributed electronic ledger may provide and maintain a shared source of truth for event details associated with a syndicated loan. Facility agreements and corresponding utilizations (e.g., loans) may be represented on the distributed electronic ledger as smart contracts. As events occur, a corresponding record of each event is anchored to the facility/utilization smart contract, creating a chronological audit trail of all activity associated with the syndicated loan.
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公开(公告)号：US20200186495A1
公开(公告)日：2020-06-11
申请号：US16211295
申请日：2018-12-06
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Lalit Dhawan
IPC: H04L29/06
Abstract: Aspects of the disclosure relate to deploying and utilizing a dynamic data stenciling system with a smart linking engine. A computing platform may receive source data from one or more data source systems. Subsequently, the computing platform may identify a target application hosted by an enterprise application host platform as being an intended recipient of a portion of the source data. Then, the computing platform may select a dynamic data stencil from a plurality of available data stencils. Thereafter, the computing platform may overlay the portion of the source data onto the target application using the dynamic data stencil. In addition, by overlaying the portion of the source data onto the target application using the dynamic data stencil, the computing platform may cause the target application to execute one or more data processing functions using the portion of the source data received from the one or more data source systems.
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