公开(公告)号：US20240233027A1

公开(公告)日：2024-07-11

申请号：US18093852

申请日：2023-01-06

Applicant: Bank of America Corporation

Inventor： Vinesh Patel ,  Michael Young ,  Timothy Hansford Briggs

IPC: G06Q40/06

CPC classification number: G06Q40/06 ,  G06Q2220/00

Abstract: A computer program product, system, and method for generating a combined score or scores for digital assets or cryptocurrency or stocks, each score based on a combination of fundamentals and technical data, for trading decisions, such as buying, selling, holding, or shorting the asset. The score(s) may relate to long-term, medium-term, and short-term decisions. The scores(s) may be generated using machine learning, artificial intelligence, or behavioral analytics to determine which of the available fundamentals data and technical data to use in the scoring and how much significance and weight to give to each data. The scores(s) may be provided to an automated trading system for generating trades based on the score(s).

公开(公告)号：US12003646B2

公开(公告)日：2024-06-04

申请号：US17722773

申请日：2022-04-18

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L9/32 ,  H04L9/40

CPC classification number: H04L9/3236 ,  H04L9/3213 ,  H04L9/3231 ,  H04L63/1483 ,  H04L2209/56

Abstract: Methods for securing an electronic communication is provided. Methods may, in a registration process, create and/or select an anti-phish, personalized, security token for a predetermined account on a computing device. Methods may generate a hash of the token, store the token and the hash in a secure storage location within the computing device. Methods may, in an in-use process, generate an electronic communication at a channel. The database may be interposed along the channel. Methods may forward the communication to a recipient associated with the account. Methods may intercept the communication at the database. Methods may select the hash from the database. Methods may generate an injected hash by injecting the hash into the communication. Methods may transmit the communication with the hash to the recipient. Methods may receive the electronic communication with the injected hash at the recipient. Methods may compare the injected hash to the stored hash. Methods may release and display the anti-phish token when the injected hash is equivalent to the stored hash.

公开(公告)号：US11991207B2

公开(公告)日：2024-05-21

申请号：US17693506

申请日：2022-03-14

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L9/40

CPC classification number: H04L63/1483

Abstract: Methods for securing an electronic communication is provided. Methods may include, in a registration process, creating and/or selecting an anti-phish, personalized, security token for a predetermined account. Methods may include, in the registration process, storing the token in a database. Methods may include, in an in-use process, generating an electronic communication at a channel. The database may be interposed along the channel. Methods may include, in the in-use process, forwarding the communication to a recipient. The recipient may be associated with the account. Methods may include, in the in-use process, intercepting the communication at the database. Methods may include, in the in-use process, selecting, from the database, the anti-phish, personalized, security token that is associated with the account. Methods may include, in the in-use process, injecting the selected token into the communication. Methods may include, in the in-use process, transmitting the communication with the token to the recipient.

公开(公告)号：US11991172B2

公开(公告)日：2024-05-21

申请号：US17707097

申请日：2022-03-29

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L29/06 ,  H04L9/40

CPC classification number: H04L63/0853 ,  H04L63/1483

Abstract: A double anti-phish, personalized, security token for use with electronic communications is provided. The security token may be embedded in each electronic communication transmitted from an entity to a recipient. A first part of the token may be embedded in a body of the communication. A second part of the token may be embedded in a header of the communication. The second part of the security token may validate that the electronic communication is indeed from the entity. Upon validation, the second part may instruct the first part to display a validation symbol. Upon failure to validate, the second part may instruct the first part to display an alert symbol. The recipient receiving the electronic communication may use the first part of the validation symbol as a visual aid to determine a level of confidence of whether the electronic communication has been validated as being transmitted by the entity.

公开(公告)号：US20240163648A1

公开(公告)日：2024-05-16

申请号：US17984319

申请日：2022-11-10

Applicant: Bank of America Corporation

Inventor： Vinesh Patel ,  Michael Young

IPC: H04W4/50 ,  G06K19/07

CPC classification number: H04W4/50 ,  G06K19/0719 ,  H04W4/80

Abstract: Apparatus, methods and systems for voice surveillance using enhanced metadata and geotagging capabilities are provided. Systems may monitor communications being transmitted from, and being received at, entity devices. The communications may be monitored for anomalies. The anomalies may be identified as communications outside of a regular pattern of communications. Various factors may be used to identify the anomalous communications. The factors may include a number of communications per predetermined time period, a geolocation of the communication, identification of a second communicative party of the communication and any other suitable factors. Stakeholders may be alerted regarding any anomalous communications. Additionally, once the communications have been labeled as anomalous or non-anomalous, the labeled communications may be used to create and/or update a set of labeled training data. The created and/or updated set of labeled training data may be used in an artificial intelligence engine that labels communications as anomalous or non-anomalous.

公开(公告)号：US20230319030A1

公开(公告)日：2023-10-05

申请号：US17713411

申请日：2022-04-05

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L9/40 ,  G06F3/0482

CPC classification number: H04L63/0853 ,  G06F3/0482 ,  H04L63/1483

Abstract: Methods for securing an electronic communication is provided. Methods may include, in a registration process, creating and/or selecting an anti-phish, personalized, security token for a predetermined avatar. Methods may include, in the registration process, storing the token in a database. Methods may include, in an in-use process, generating an electronic communication at a virtual kiosk in a metaverse. Methods may include, in the in-use process, forwarding an electronic communication from the virtual kiosk to the avatar. The avatar may be associated with the account. Methods may include, in the in-use process, intercepting the communication at an edge interface. Methods may include, in the in-use process, selecting, from the database, the anti-phish, personalized, security token that is associated with the account. Methods may include, in the in-use process, injecting the selected token into the communication. Methods may include, in the in-use process, transmitting the communication with the token to the avatar.