公开(公告)号：US20230319664A1

公开(公告)日：2023-10-05

申请号：US17712248

申请日：2022-04-04

Applicant: Bank of America Corporation

Inventor： Saurabh Arora ,  Sandeep Kumar Chauhan

IPC: H04W36/30 ,  H04W28/04 ,  H04W36/00 ,  H04W24/08 ,  H04W24/04 ,  H04W28/06

CPC classification number: H04W36/30 ,  H04W28/04 ,  H04W36/0022 ,  H04W36/0069 ,  H04W24/08 ,  H04W24/04 ,  H04W28/06 ,  H04W12/069

Abstract: A system architecture for running a second network to support a seamless transition of a transaction request in response to a detection of a connection failure at a first network is provided. The system architecture may include a mobile application running on a mobile device for transmitting the transaction request to the first network and attempting to establish an electronic connection with the first network. The system architecture may also include a LoRa sensor embedded on the mobile device configured to, when the attempt to establish the electronic connection with the first network fails, transmit the transaction request to the second network. The second network may be a low-range wide area network (“LoRaWAN”). The system architecture may also include a LoRaWAN gateway(s) configured to receive the transaction request and transmit the transaction request to a network server operating as a bridge between the LoRaWAN gateway(s) and an entity network.

公开(公告)号：US20250045748A1

公开(公告)日：2025-02-06

申请号：US18229703

申请日：2023-08-03

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Ngoc Tran ,  Maneesh Kumar Sethia ,  Saurabh Arora

IPC: G06Q20/40 ,  G06Q20/38

Abstract: An apparatus is provided, including a transaction card, having: a first microprocessor configured to exchange transaction data; a sensor configured to detect movement; and a second microprocessor in communication with the sensor. The second microprocessor may be configured to store arrays of hash values, representing a movement of a user and a card; obtain hash values based on observed movement patterns, and compare them to the stored values. Upon receiving a transaction request, the microprocessor may determine in real time whether the user is in locomotion and whether the card is being intentionally tapped by the user, based on the observed movement patterns. On this basis, the second microprocessor may determine whether to require an augmented authentication for the requested transaction.

公开(公告)号：US20240356629A1

公开(公告)日：2024-10-24

申请号：US18136159

申请日：2023-04-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： Maneesh Sethia ,  Sandeep Kumar Chauhan ,  Saurabh Arora

IPC: H04B7/185 ,  H04B17/318 ,  H04W24/08

CPC classification number: H04B7/1851 ,  H04B17/318 ,  H04W24/08 ,  H04W84/042 ,  H04W84/06

Abstract: Systems, computer program products, and methods are described herein for system resiliency by aggregation with heterogenous communication networks. The method includes transmitting an interaction request associated with an interaction initiation device through a low earth orbit satellite network upon determining a cellular network associated with the interaction initiation device is unavailable. The method also includes receiving a plurality of data packets from the interaction initiation device. At least one of the plurality of data packets are received via the low earth orbit satellite network, and one or more of the plurality of data packets include identifying characteristics associated with the interaction initiation device. The method further includes consolidating the plurality of data packets received via the low earth orbit satellite network. The method still further includes causing an execution of the requested interaction by transmitting a confirmation indicator to the interaction initiation device via the low earth orbit satellite network.

公开(公告)号：US20240290182A1

公开(公告)日：2024-08-29

申请号：US18113189

申请日：2023-02-23

Applicant: Bank of America Corporation

Inventor： Maneesh Kumar Sethia ,  Sandeep Kumar Chauhan ,  Saurabh Arora ,  Shyam K Dhanraj

IPC: G07F19/00 ,  G06Q20/18

CPC classification number: G07F19/209 ,  G06Q20/18

Abstract: An ATM includes a long range WAN module that provides the ATM with a low power WAN (LPWAN) capability for increased resiliency. The ATM and bank application servers generally communicate over an ATM communications network to allow customers to perform banking transactions. When this connection is not functioning, the ATM may continue to be used to perform banking transactions, without interruption, by communicating over a LoRaWAN network with another nearby LPWAN-enabled ATM that is in communication with the bank application servers. The LoRaWAN network may also be used to automatically obtain software to fix an error at the ATM when the software is obtainable via a nearby LPWAN-enabled ATM. The LoRaWAN module may be further used to record a state of operations at the ATM and to use the record to resume the transaction where the transaction was interrupted while in progress due to an ATM outage.

公开(公告)号：US20240086924A1

公开(公告)日：2024-03-14

申请号：US17943252

申请日：2022-09-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Saurabh Arora ,  Sheetal Bhatia ,  Sandeep Kumar Chauhan

IPC: G06Q20/40 ,  G01J3/28 ,  G06F21/30 ,  G06Q20/04 ,  G06T7/00 ,  G06V10/44 ,  G06V10/60 ,  G06V10/74

CPC classification number: G06Q20/4016 ,  G01J3/2823 ,  G06F21/30 ,  G06Q20/042 ,  G06T7/0002 ,  G06V10/44 ,  G06V10/60 ,  G06V10/761 ,  G06T2207/10036

Abstract: Systems, methods, and computer program products are provided herein for hyperspectral imaging based authentication. An example method includes receiving check data associated with at least a first user and extracting one or more field details from the check data. By leveraging a hyperspectral imaging module, the method further includes generating hyperspectral image data associated with the one or more extracted field details and determining one or more spectral characteristics associated with the one or more extracted field details based on the hyperspectral image data. The method further includes determining a tampering indication for the check data based on the one or more spectral characteristics. The spectral characteristics may include one or more reflectance values associated with extracted field details across a plurality of spectral bands.

公开(公告)号：US20230418751A1

公开(公告)日：2023-12-28

申请号：US17849635

申请日：2022-06-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Saurabh Arora ,  Sandeep Kumar Chauhan

IPC: G06F12/0862 ,  G06F12/0888 ,  G06F12/0811

CPC classification number: G06F12/0862 ,  G06F12/0888 ,  G06F12/0811 ,  G06F2212/1024

Abstract: Embodiments of the invention are directed to systems, methods and computer program products structured for dynamic management of stored cache data based on predictive usage information. The invention is structured for proactive alleviation of obsolete data, dynamic pre-population and fetching of cached data based on determining actions preceding initiation of activities. Specifically, the invention is configured to detect, via a proactive processor application, a first access event via a first network device associated with a first communication channel at a first time interval, such that the first access event is detected prior to initiation of a first technology activity event by the user. The invention is also structured to populate the first adapted hierarchical cache data object for use at a technology application associated with the first network device prior to the initiation of the first technology activity event by the user.

公开(公告)号：US20230318989A1

公开(公告)日：2023-10-05

申请号：US17656838

申请日：2022-03-28

Applicant: Bank of America Corporation

Inventor： Saurabh Arora

IPC: H04L47/78 ,  H04L47/762 ,  H04L67/1012 ,  H04L47/80

CPC classification number: H04L47/803 ,  H04L47/762 ,  H04L47/781 ,  H04L67/1012

Abstract: A pluggable cloud security system includes a plurality of nodes. Each node has a memory and a processor. At least one memory is configured to store rules indicating criteria for allowing communication between user applications and a hosted application executed by a cloud infrastructure. At least one processor is configured to receive data to be communicated to the cloud application, determine a source of the received data as a first user application, determine a channel used to transmit the received data, and determine, using the rules, whether the source and the channel satisfy criteria for allowing communication between the first user application and the hosted application. If it is determined that the source satisfies the first criteria, transmission of the data is allowed. Otherwise, transmission of the data is prevented.

公开(公告)号：US20250148347A1

公开(公告)日：2025-05-08

申请号：US18387134

申请日：2023-11-06

Applicant: BANK OF AMERICA CORPORATION

Inventor： Saurabh Arora ,  Srija Reddy Kallu ,  Durga Prasad Kutthumolu

IPC: G06N20/00

Abstract: Systems, computer program products, and methods are described herein for detecting manipulation of training data used for machine learning models. The present disclosure is configured to receive an interaction originating from an end-point device; validate the interaction via a primary model; identify a set of triggers within a backdoor model, where the backdoor model is modeled off the primary model capable of undergoing stress testing associated with a set of triggers; pause the interaction upon identification of the set of triggers within the backdoor model; transmit the identified set of triggers to an autonomous artificial general intelligence (AGI) agent, generate a set of synthetic data via the autonomous AGI agent, where the set of synthetic data removes the set of triggers from the primary model; and distribute the set of synthetic data to the primary model to correct the set of triggers within the primary model.

公开(公告)号：US12289307B2

公开(公告)日：2025-04-29

申请号：US18047431

申请日：2022-10-18

Applicant: Bank of America Corporation

Inventor： Shailendra Singh ,  Saurabh Arora ,  Sandeep Chauhan ,  Puneetha Polasa

IPC: H04L9/40

Abstract: An apparatus for using a validated card in a virtual environment comprises a processor associated with a server. The processor is configured to receive a request to conduct an interaction between a first avatar and an entity in a virtual environment. The processor is further configured to receive card information and device information from an unknown user device. The processor is further configured to verify that the unknown user device is a first user device. The processor is further configured to receive virtual session information that is associated with a virtual environment session. The processor is further configured to determine if the request to conduct the interaction occurred in the same virtual environment session as the reception of the card information. The processor is further configured to conduct the interaction between the first avatar and the entity with the received card information.

公开(公告)号：US12216644B1

公开(公告)日：2025-02-04

申请号：US18410305

申请日：2024-01-11

Applicant: Bank of America Corporation

Inventor： Saurabh Arora ,  Sandeep Chauhan ,  Anil Gajula ,  Jhalak Khurana

IPC: G06F16/23 ,  G06N20/00

Abstract: A computing platform may train, using historical ledger information and historical node confidence information, an adaptive AI engine to output, for a given input node, a particular distributed ledger to which the given input node should be added. The computing platform may receive a request to add a first node to a ledger. The computing platform may input first node information into the adaptive AI engine, which may cause the adaptive AI engine to output a node addition score indicating a first distributed ledger corresponding to an information type of the request. Based on identifying that the node addition score meets or exceeds a node addition threshold, the computing platform may cause the first node to be added to the first distributed ledger. The computing platform may update, using a dynamic feedback loop and based on the node addition score, the adaptive AI engine.