公开(公告)号：US12095918B2

公开(公告)日：2024-09-17

申请号：US18229687

申请日：2023-08-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: H04L9/32 ,  H04L9/14

CPC classification number: H04L9/3213 ,  H04L9/14 ,  H04L9/3231

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

公开(公告)号：US20240031346A1

公开(公告)日：2024-01-25

申请号：US17813360

申请日：2022-07-19

Applicant: Bank of America Corporation

Inventor： Naoll Addisu Merdassa ,  Sachin Lad ,  Heather Dolan

IPC: H04L9/40

CPC classification number: H04L63/08 ,  H04L63/102

Abstract: A system includes a memory associated with a first virtual environment that stores data objects associated with a user. The memory is coupled to a processor configured to receive a user credential associated with the user and authorize the user to access the first virtual environment. The processor receives a request from the user to enter a second virtual environment accessible through the first virtual environment and generates a virtual pass for a first avatar of the user to enter the second virtual environment. The processor receives a request to perform a transfer of a selected amount of a first type data object and transfers the selected amount of the first type of data object from the memory to the second virtual environment. The processor receives an indication that the transfer is completed and deletes the selected amount of the first type of data object from the memory.

公开(公告)号：US20240022599A1

公开(公告)日：2024-01-18

申请号：US17812666

申请日：2022-07-14

Applicant: Bank of America Corporation

Inventor： Naoll Addisu Merdassa

IPC: H04L9/40

CPC classification number: H04L63/1466 ,  H04L63/1433 ,  H04L63/1416

Abstract: A system includes a memory associated with a first virtual environment that stores digital assets associated with a user. The memory is coupled to a processor that is configured to receive a user credential associated with the user and authorize the user to access the first virtual environment. The processor receives a request from the user to enter a second virtual environment accessible through the first virtual environment and generates a virtual pass for a first avatar of the user to enter the second virtual environment. The processor receives a request to perform in the second environment a data interaction associated with a digital asset and provides the first avatar access from the second environment to the digital asset. The processor receives an indication that the data interaction is completed and updates the digital asset in the memory to reflect the data interaction.

公开(公告)号：US11627098B1

公开(公告)日：2023-04-11

申请号：US17571789

申请日：2022-01-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L47/80 ,  H04L41/50 ,  H04L12/14 ,  H04L41/5006

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

公开(公告)号：US20220400010A1

公开(公告)日：2022-12-15

申请号：US17347159

申请日：2021-06-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: H04L9/32 ,  H04L9/14

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

公开(公告)号：US20220374871A1

公开(公告)日：2022-11-24

申请号：US17325986

申请日：2021-05-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Paul Benton Murphy ,  Naoll Addisu Merdassa

IPC: G06Q20/36 ,  G06Q20/38 ,  G06Q20/10

Abstract: Systems, computer program products, and methods are described herein for secure resource transfer integration. The present invention is configured to electronically receive an access request to access a cold storage wallet associated with the user; initiate an authentication protocol to determine whether the user is authorized to access the cold storage wallet; provide access to the cold storage wallet to the user based on at least determining that the user is authorized to access the cold storage wallet; electronically receive a user request to transfer at least a portion of resources from the cold storage wallet to a resource distribution account associated with the user; execute the transfer of at least the portion of resources from the cold storage wallet to the resource distribution account; and display a notification indicating the execution of the transfer of at least the portion of resources.

公开(公告)号：US12292951B2

公开(公告)日：2025-05-06

申请号：US18759026

申请日：2024-06-28

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Kevin Graham Robberts ,  Ann Ta

IPC: G06F21/31 ,  G06F21/00 ,  G06F21/45 ,  G06F21/57

Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.

公开(公告)号：US20240403460A1

公开(公告)日：2024-12-05

申请号：US18802015

申请日：2024-08-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Naoll Addisu Merdassa

IPC: G06F21/62 ,  G06N20/00 ,  G06T7/00

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for intelligent verification of digital files via the analysis of metadata and other file characteristics. The system is adaptive, in that it can be adjusted based on the needs or goals of the user utilizing it, or may intelligently and proactively adapt based on the files or data received for processing. The system may be seamlessly embedded within existing applications or programs that the user may already use to interact with one or more entities.

公开(公告)号：US12124875B2

公开(公告)日：2024-10-22

申请号：US17375617

申请日：2021-07-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Brandon Ingram ,  Naoll Addisu Merdassa ,  Ann Ta

IPC: G06F9/50 ,  G06F9/451

CPC classification number: G06F9/5005 ,  G06F9/451

Abstract: Embodiments of the present invention provide a system for facilitating creation, verification, and management of digital resources. The system is configured for receiving a digital content for upload to a distributed register from a user, via a user interface, receiving one or more instructions associated with distribution of the digital content from the user, via the user interface, creating one or more digital resources from the digital content via the user interface based on the one or more instructions received from the user, and storing the one or more digital resources on the distributed register.

公开(公告)号：US20240187383A1

公开(公告)日：2024-06-06

申请号：US18439723

申请日：2024-02-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Joseph Benjamin Castinado ,  Therese Humburg Willis ,  Christopher J. Smith ,  Kathleen Hanko Trombley ,  Kevin Graham Robberts ,  Lee Ann Proud ,  Adam Frederick Perrigo ,  Ann Ta ,  Naoll Addisu Merdassa

IPC: H04L9/40 ,  G06Q20/32 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23

CPC classification number: H04L63/04 ,  H04W12/03 ,  H04W12/102 ,  H04W12/63 ,  H04W72/51 ,  H04W76/14 ,  H04W76/23 ,  G06Q20/322

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to: receive from a first user input device a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine that the first communication channel does not meet one or more preset channel requirements for secure communication; receive information regarding one or more user input devices associated with one or more communication channels; determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements; and trigger the second user input device to establish a communication link with the first user input device to form an alternate communication channel with the first user input device.