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11.发明公开公开(公告)号：US20240031162A1
公开(公告)日：2024-01-25
申请号：US17871020
申请日：2022-07-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Shailendra Singh , Sandeep Kumar Chauhan , Puneetha Polasa , Bhagya Lakshmi Sudha Lavanya Mallidi , Saurabh Arora
CPC classification number: H04L9/3236 , H04L9/50
Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification when traversing between virtual environments. The present invention is configured to receive, from a user input device, a request from a user to traverse from a first virtual environment to a second virtual environment using an NFT identifier; retrieve, using an NFT navigation engine, an NFT from a distributed ledger based on at least the NFT identifier; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with traversing from the first virtual environment to the second virtual environment; and authorize, using an access management engine, the user to traverse from the first virtual environment to the second virtual environment based on at least the information associated with the user and the transaction conditions.
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公开(公告)号：US20240013200A1
公开(公告)日：2024-01-11
申请号：US17857307
申请日：2022-07-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Shailendra Singh , Sandeep Kumar Chauhan , Puneetha Polasa , Bhagya Lakshmi Sudha Lavanya Mallidi , Saurabh Arora
CPC classification number: G06Q20/3674 , G06Q20/3678 , G06Q20/401 , G06T13/40 , H04L9/50
Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification across virtual environments. The present invention is configured to receive, from a user input device, a request from a user to access a first virtual environment, wherein the request comprises at least an NFT; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with the access to the first virtual environment; validate the information associated with the user to verify user identity; determine that the transaction conditions meet one or more requirements for access to the first virtual environment; and authorize the user to access the first virtual environment based on at least validating the information associated with the user and that the transaction conditions meet the one or more requirements for access to the first virtual environment.
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13.发明公开公开(公告)号：US20230385803A1
公开(公告)日：2023-11-30
申请号：US17828606
申请日：2022-05-31
Applicant: Bank of America Corporation
Inventor： Puneetha Polasa , Bhagya Lakshmi Sudha Lavanya Mallidi , Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram
IPC: G06Q20/32
CPC classification number: G06Q20/325 , G06Q20/3224
Abstract: Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.
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公开(公告)号：US12230110B2
公开(公告)日：2025-02-18
申请号：US17369120
申请日：2021-07-07
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram , Nandini Rathaur , Puneetha Polasa , Vibhu Srivastava
Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.
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公开(公告)号：US12142268B2
公开(公告)日：2024-11-12
申请号：US17350394
申请日：2021-06-17
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram , Nandini Rathaur , Vibhu Srivastava , Puneetha Polasa
Abstract: Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).
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Patent Agency Ranking
公开(公告)号：US12058249B2
公开(公告)日：2024-08-06
申请号：US17369028
申请日：2021-07-07
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram , Nandini Rathaur , Puneetha Polasa , Vibhu Srivastava
CPC classification number: H04L9/0861 , G06Q20/1085 , G08B6/00 , H04L9/30 , H04W88/02
Abstract: Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.
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公开(公告)号：US12041048B2
公开(公告)日：2024-07-16
申请号：US17716662
申请日：2022-04-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Puneetha Polasa , Sandeep Kumar Chauhan , Bhagya Lakshmi Sudha Lavanya Mallidi , Udaya Kumar Raju Ratnakaram
IPC: H04L9/40
CPC classification number: H04L63/0861 , H04L63/102 , H04L63/126
Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.
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18.发明授权公开(公告)号：US12026697B2
公开(公告)日：2024-07-02
申请号：US17744346
申请日：2022-05-13
Applicant: BANK OF AMERICA CORPORATION
Inventor： Puneetha Polasa , Hope Barus , Ana Morales , Sandra Ogden , Lee Ann Proud
CPC classification number: G06Q20/363 , G06Q20/3674 , G06Q20/3825 , G06Q20/4014
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for onboarding digital content to a platform designed specifically for seamless creation and user-friendly management of non-fungible tokens. The invention allows for users with zero knowledge of decentralized protocols to leverage the benefits of such technologies by providing a system for uploading existing digital content, automating the creation of one or more non-fungible tokens, managing permissioned access to the non-fungible tokens, and facilitating the ownership verification of the non-fungible tokens.
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公开(公告)号：US20230306404A1
公开(公告)日：2023-09-28
申请号：US17702460
申请日：2022-03-23
Applicant: Bank of America Corporation
Inventor： Puneetha Polasa , Bhagya Lakshmi Sudha Lavanya Mallidi , Udaya Kumar Raju Ratnakaram , Sandeep Kumar Chauhan
CPC classification number: G06Q20/3224 , G06Q20/3263 , G06Q20/065
Abstract: A method and apparatus for dynamically selecting a transaction processing device in a multi-device network is provided. A transaction processing device may be used to generate, approve, execute, and otherwise process transactions for devices in the multi-device network. A device selection platform may determine which of a plurality of devices is to serve as the transaction processing device based on a variety of factors such as battery life, processing power, communication connectivity, storage capacity and the like. The devices may be prioritized and ranked based on these factors. The platform may further monitor for changes in the network and dynamically update the prioritization and ranking and/or selection of the transaction processing device.
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公开(公告)号：US20230214838A1
公开(公告)日：2023-07-06
申请号：US17567248
申请日：2022-01-03
Applicant: Bank of America Corporation
Inventor： Udaya Kumar Raju Ratnakaram , Puneetha Polasa
IPC: G06Q20/40
CPC classification number: G06Q20/40145
Abstract: Arrangements for facial recognition and processing are provided. In some aspects, a request to process a transaction may be received. In response to the request, image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques. If the user cannot be identified, payment information may be requested from the user. If the user can be identified, the user may be identified and user profile data associated with the user may be retrieved. In some examples, the user profile data may include user contact information, user device identifying information, and the like. User device data may be extracted from the user profile data and a notification including an instruction to initiate payment processing may be generated. The notification may then be transmitted to the user device identified from the extracted data and the instruction may be executed to initiate payment processing.
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