公开(公告)号：US20230123523A1

公开(公告)日：2023-04-20

申请号：US18085036

申请日：2022-12-20

Applicant: BANK OF AMERICA CORPORATION

Inventor： Justin Riley duPont ,  Heather Roseann Dolan ,  Michael Donohue ,  Tony England ,  Lindsay Higgins ,  Malathi Jivan ,  Christina Ann Lillie

IPC: H04W12/68 ,  G06T19/00 ,  H04W12/06 ,  G06V40/20

Abstract: In general, apparatuses, methods and computer program products for construction and detection of spatial movements in a virtual reality (VR) space for performance of electronic activities are disclosed. A VR composite credential authentication device is provided that is configured is structured for capturing, customizing and transforming one or more VR composite credentials of a user and authenticating electronic activities based on at least the VR composite credentials. The VR composite credentials of the user are captured using one or more VR spatial sensor devices which are configured for capture and imaging of VR spatial movement and position credentials. The captured credentials are analyzed to determine an associated electronic activity. The electronic activity is initiated, automatically, in response to the successful validation of the captured credentials. Moreover, the invention allows for setting-up an infinitely customizable library of registered VR composite credentials.

公开(公告)号：US11587079B2

公开(公告)日：2023-02-21

申请号：US17210794

申请日：2021-03-24

Applicant: BANK OF AMERICA CORPORATION

Inventor： Malathi Jivan ,  Kathleen Miranda Brand ,  Michael Donohue ,  Justin Riley duPont ,  Christina Ann Lillie ,  Jay Derek Prokupek ,  Yash Sharma

IPC: G06Q20/40 ,  G06F21/10 ,  G06F16/23 ,  G06F21/62 ,  G06Q20/22 ,  G06Q20/36 ,  G06F16/22

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a single degree tiered bracket matrix for secure digital resource distribution across a digital resource distribution network. In this way, the invention interrupts a digital resource distribution network and displays a tiered bracket matrix for a user to select from on the digital resource distribution network application. The tiered bracket matrix is determined by matching database points with an overlayed, timestamped, resource distribution network distributions for prepopulating of the matrix. Upon matching a user device contact hash value, the system may interrupt a resource distribution network application and splice in recommended users for resource distribution via the resource distribution network application in a tiered matrix display.

公开(公告)号：US20210158253A1

公开(公告)日：2021-05-27

申请号：US16690966

申请日：2019-11-21

Applicant: Bank of America Corporation

Inventor： Heather Roseann Dolan ,  Christina Lillie ,  Justin Riley duPont ,  Malathi Jivan ,  Poppy Marie Kimball

IPC: G06Q10/06 ,  G06N5/02

Abstract: A system provides a way to execute automatic and/or recurring resource transfers using predictive electronic data analysis. In particular, the system may continuously collect resource transfer data associated with a user. Based on the collected resource transfer data, the system may extract resource transfer patterns and subsequently generate a prediction of a resource transfer to occur in the future. In this regard, the system may use a scoring algorithm to calculate the degree of correlations between certain resource transfers. The system may then transmit one or more recommendations regarding the predicted resource transfer to the user. In this way, the system may provide an efficient way to execute resource transfers.

公开(公告)号：US20210112098A1

公开(公告)日：2021-04-15

申请号：US16653199

申请日：2019-10-15

Applicant: BANK OF AMERICA CORPORATION

Inventor： Christina Lillie ,  Justin Riley DuPont ,  Malathi Jivan ,  Heather Dolan ,  Poppy Marie Kimball

IPC: H04L29/06 ,  H04W12/06 ,  G06Q20/40

Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.