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公开(公告)号：US20190236248A1
公开(公告)日：2019-08-01
申请号：US16184198
申请日：2018-11-08
Applicant: Bank of America Corporation
Inventor： Dennis M. Osborne , Daniel L. Carpenter , Xianhong Zhang , Michael Toth
CPC classification number: G06F21/313 , G06F21/316 , G06N20/00 , H04L63/0876 , H04L65/1006 , H04L65/1069 , H04M15/06 , H04M15/48 , H04M15/63 , H04M15/8351 , H04M2203/6081
Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
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公开(公告)号：US11528267B2
公开(公告)日：2022-12-13
申请号：US16706333
申请日：2019-12-06
Applicant: Bank of America Corporation
Inventor： Preston Wesley Ports, III , Sangeeta Varma Martinez , Dipika Jain , Michael Toth , Melissa K. Van Leuven , Holly Martinez , Dawn M. Friscia , Erin Marie McCullen , Deborah D. Jackson
IPC: H04L9/40 , G06F16/535 , H04W12/77
Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.
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13.发明授权公开(公告)号：US11050769B2
公开(公告)日：2021-06-29
申请号：US15888531
申请日：2018-02-05
Applicant: Bank of America Corporation
Inventor： Michael Toth , Xianhong Zhang
IPC: H04L29/06 , G06F21/53 , G06N20/00 , G06F3/0484
Abstract: Systems for detecting unauthorized user and controlling dynamic user interface functionality are provided. The system may receive a request to access functionality that may include login credentials of a user. The request may also include additional information associated with a computing device from which the request is received. The request and additional data may be analyzing using one or more machine learning datasets to determine whether a user requesting access is an authorized user or an unauthorized user. If the user is an authorized user, the user may be authenticated to the system an authentic user interface having enabled functionality may be generated. If the user is an unauthorized user, a decoy user interface having functionality disabled may be generated.
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公开(公告)号：US20200026828A1
公开(公告)日：2020-01-23
申请号：US16585138
申请日：2019-09-27
Applicant: Bank of America Corporation
Inventor： Dennis M. Osborne , Daniel L. Carpenter , Xianhong Zhang , Michael Toth
Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
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公开(公告)号：US20200005263A1
公开(公告)日：2020-01-02
申请号：US16020019
申请日：2018-06-27
Applicant: Bank of America Corporation
Inventor： Ashish Arora , Nathan Dent , Michael Toth , Harold Joseph Kennedy , Elizabeth Anne Price , Pavan Singaraju , Magdy Ismail , Varsha Devadas
Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM. After receipt of the confirmation, the ATM may prompt the user to enter an additional identifier. Upon confirmation of the additional identifier, the ATM may dispense a specified amount of currency.
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Patent Agency Ranking
公开(公告)号：US20190268329A1
公开(公告)日：2019-08-29
申请号：US15906510
申请日：2018-02-27
Applicant: Bank of America Corporation
Inventor： Michael Toth , Hitesh Shah
Abstract: Systems for providing secure access to systems are provided. A computing device may receive a request to access functionality which may include login credentials of a user. Upon receiving the request to access functionality, the computing device may execute a scan of an area surrounding the computing device to detect any wearable devices within proximity of the computing device that are linked to the computing device. The authenticating information and, in some examples, detected, linked wearable device, may be validated. Based on the validation, authentication response data may be generated and transmitted to an authentication computing platform which may cause the authentication computing platform to validate the authentication response data and cause the computing device to connect to a client interface computing platform. After a connection between the computing device and client interface computing platform is established, interface data may be transmitted from the client interface computing platform to the computing device and one or more interfaces may be displayed on the computing device.
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公开(公告)号：US11314850B2
公开(公告)日：2022-04-26
申请号：US16875321
申请日：2020-05-15
Applicant: Bank of America Corporation
Inventor： Hitesh Shah , Michael Toth
Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
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公开(公告)号：US10803154B2
公开(公告)日：2020-10-13
申请号：US16585138
申请日：2019-09-27
Applicant: Bank of America Corporation
Inventor： Dennis M. Osborne , Daniel L. Carpenter , Xianhong Zhang , Michael Toth
Abstract: Aspects of the disclosure relate to multicomputer processing and authentication of user data associated with telephone calls. A call security assessment computing platform may receive data associated with a telephone call made from a user computing device. Subsequently, the call security assessment computing platform may parse the received data to identify header information in a Session Initial Protocol (SIP) header. The platform then may analyze the header information to generate a call fingerprint for the telephone call. This call fingerprint may then be transmitted to one or more call authentication computing platforms, which return one or more call security responses that may further characterize security features of the telephone call. The call fingerprint and the call security responses may then be used to determine a call security score, which may be transmitted in a notification to a call handling system in order to adjust how the call is handled.
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公开(公告)号：US10698992B2
公开(公告)日：2020-06-30
申请号：US15898827
申请日：2018-02-19
Applicant: Bank of America Corporation
Inventor： Hitesh Shah , Michael Toth
Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
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公开(公告)号：US20190268331A1
公开(公告)日：2019-08-29
申请号：US15906455
申请日：2018-02-27
Applicant: Bank of America Corporation
Inventor： Michael Toth , Hitesh Shah
IPC: H04L29/06
Abstract: Systems for providing secure access to systems are provided. A computing device may receive a request to access functionality which may include login credentials of a user. Upon receiving the request to access functionality, advanced biometric data collected via a wearable device linked to the computing device at which the request was received may be received from the wearable device. The received login credentials and biometric data may be validated and authentication response data may be generated. The authentication response data may be transmitted from the computing device to an authentication computing platform which may cause the authentication computing platform to validate the authentication response data and cause the computing device to connect to a client interface computing platform. After a connection between the computing device and client interface computing platform is established, interface data may be transmitted from the client interface computing platform to the computing device and one or more interfaces may be displayed on the computing device.
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