公开(公告)号：US20220366901A1

公开(公告)日：2022-11-17

申请号：US17318463

申请日：2021-05-12

Applicant: Bank of America Corporation

Inventor： Nandini Rathaur ,  Sneha Padiyar ,  Sandeep Kumar Chauhan

IPC: G10L15/197 ,  G10L15/06 ,  G10L15/22 ,  G10L21/0232 ,  G10L15/18 ,  G10L25/78 ,  G10L15/20 ,  G06F16/245

Abstract: Systems for performing intelligent interactive voice recognition functions are provided. In some aspects, natural language data may be received from a plurality of users. The natural language data may be used to train a machine learning model. After training the machine learning model, additional or subsequent natural language input data may be received. The natural language data may include a user query, such as a request to obtain information from the system, to process a transaction, or the like. The natural language data may be processed to remove noise associated with the audio data. The data may then be further processed using the machine learning model to interpret the query of the user and generate an output. The output may be transmitted to the user and feedback data may be received from the user. The user-specific machine learning dataset may then be validated and/or updated based on the feedback data.

公开(公告)号：US20250094856A1

公开(公告)日：2025-03-20

申请号：US18369265

申请日：2023-09-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Verma ,  Pavan Chayanam ,  Nandini Rathaur ,  Srinivas Dundigalla

IPC: G06N20/00

Abstract: Systems, computer program products, and methods are described herein for determining resource misappropriation using an advanced computational model for data analysis and automated decision-making. The present disclosure is configured to receive an interaction, wherein the interaction comprises a user and a caller; determine an instance of misappropriation during the interaction using an artificial intelligence model, wherein the instance of misappropriation comprises the caller attempting to collect sensitive information associated with the user; generate a misappropriation interface component, wherein the misappropriation interface component comprises data associated with the instance of misappropriation; and notify the user of the instance of misappropriation.

公开(公告)号：US20250028578A1

公开(公告)日：2025-01-23

申请号：US18223618

申请日：2023-07-19

Applicant: Bank of America Corporation

Inventor： Janardhana Rao Chennamsetti ,  Srinivas Dundigalla ,  Sandeep Verma ,  Nandini Rathaur ,  Pavan Chayanam

IPC: G06F9/54 ,  G06F9/451

Abstract: Arrangements for optimized navigation through an application are provided. In some examples, a request for application navigation assistance may be received from a user via an application executing on a device. The request for assistance may include identification of a desired destination within the application. A destination node associated with the identified destination may be identified and a current node of the may be identified. Based on the current node and the destination node, a machine learning model may be executed to output an optimized navigation route from the current node to the destination node. One or more user interfaces may then be dynamically generated and transmitted to the user to facilitate navigation through the application from the current node to the destination node.

公开(公告)号：US20240184115A1

公开(公告)日：2024-06-06

申请号：US18437301

申请日：2024-02-09

Applicant: Bank of America Corporation

Inventor： Sandeep Verma ,  Nandini Rathaur ,  Pavan Chayanam ,  Srinivas Dundigalla

IPC: G02B27/01 ,  G06T11/60 ,  G06T19/00 ,  G06V30/18

CPC classification number: G02B27/0172 ,  G06T11/60 ,  G06T19/006 ,  G06V30/18019 ,  G02B2027/0141 ,  G02B2027/0178

Abstract: Apparatus and methods are provided for extracting and displaying information and data from a stream of information on a pair of smart glasses. One or more content filters describing the desired information and data may be communicated to a content filtering module. The content filtering module may process the stream of information to search for the desired information and data. When the desired information is found within the stream of information, the content filtering module may highlight the desired information, while blurring all other information, within a display on the pair of smart glasses.

公开(公告)号：US20240013166A1

公开(公告)日：2024-01-11

申请号：US17860221

申请日：2022-07-08

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

IPC: G06Q20/04 ,  G06Q20/38

CPC classification number: G06Q20/042 ,  G06Q20/3821

Abstract: Systems, methods, and apparatus are provided for secure check exception remediation in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

公开(公告)号：US11784997B2

公开(公告)日：2023-10-10

申请号：US17143831

申请日：2021-01-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Divya Sharma ,  Nandini Rathaur ,  Sandeep Verma

IPC: H04L9/40

CPC classification number: H04L63/083

Abstract: Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions. In particular, the system may be configured to receive an interaction request from a primary user, where the interaction request comprises location of an automated machine, initiate and lock a session between the automated machine and the entity application located on the user device of the primary user, identify a trigger and display a code on the automated machine, wherein the code is scannable by the user device of the primary user or a user device of an authorized secondary user, receive a scanned code from the user device of the primary user or the user device of the authorized secondary user, determine a match between the scanned code and the code displayed on the automated machine, and complete the interaction.

公开(公告)号：US20230012424A1

公开(公告)日：2023-01-12

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

IPC: G07F19/00 ,  H04W4/38 ,  H04W4/029

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.

公开(公告)号：US20220309369A1

公开(公告)日：2022-09-29

申请号：US17838958

申请日：2022-06-13

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sneha Padiyar ,  Nandini Rathaur

IPC: G06N5/04 ,  G06N20/00 ,  G06F16/25

Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.

公开(公告)号：US20210406713A1

公开(公告)日：2021-12-30

申请号：US16913530

申请日：2020-06-26

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sneha Padiyar ,  Nandini Rathaur

IPC: G06N5/04 ,  G06F16/25 ,  G06N20/00

Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.

公开(公告)号：US20250126112A1

公开(公告)日：2025-04-17

申请号：US18380322

申请日：2023-10-16

Applicant: Bank of America Corporation

Inventor： Sandeep Verma ,  Nandini Rathaur ,  Pavan K. Chayanam ,  Srinivas Dundigalla

IPC: H04L9/40 ,  H04M3/51

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a computing device may receive and store a valid telephone number associated with an enterprise organization IVR system and an enterprise organization application programming interface (API) access key. A request to initiate a communication session with the IVR system may be received and the request may include a telephone number. If the telephone number matches the valid telephone number, an API call to the enterprise organization may be made and a one-time passcode (OTP) may be received. The telephone number may be appended to include the OTP as a suffix and the communication session with the IVR system may be initiated. The IVR system may extract the OTP and validate the OTP. If the OTP is validated, the communication session may be initiated as a pre-authenticated call.