公开(公告)号：US20240419983A1

公开(公告)日：2024-12-19

申请号：US18208912

申请日：2023-06-13

Applicant: Bank of America Corporation

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

IPC: G06N5/022 ,  G06F16/2457 ,  G06F16/25 ,  H04M3/51

Abstract: Methods are provided for an artificial intelligence (“AI”) agent answering a call within a voice AI container. The methods may include the AI agent receiving the call from a human caller within the voice AI container, the call may include a query. The methods may include parsing the query to identify context associated with the query. The methods may include identifying using the context an intent of the query. The methods may include determining whether a first valid mapping stored within a backend database, located in the voice AI container, is associated with the intent of the query. The methods may include loading the first valid mapping. The methods may include navigating an agent screen using the loaded valid mapping. The methods may include gathering information required to satisfy the intent of the query. The methods may include relaying the information to the human caller.

公开(公告)号：US12112301B2

公开(公告)日：2024-10-08

申请号：US17878183

申请日：2022-08-01

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 ,  G06Q20/3825 ,  G06Q20/384

Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity 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：US12106431B2

公开(公告)日：2024-10-01

申请号：US18070797

申请日：2022-11-29

Applicant: Bank of America Corporation

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

IPC: G06T17/00 ,  G06F21/31 ,  G06F21/62 ,  G06T13/40 ,  G06V10/141

CPC classification number: G06T17/00 ,  G06F21/31 ,  G06F21/6245 ,  G06T13/40 ,  G06V10/141

Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols 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 customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document 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：US20240177413A1

公开(公告)日：2024-05-30

申请号：US18070797

申请日：2022-11-29

Applicant: Bank of America Corporation

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

IPC: G06T17/00 ,  G06F21/31 ,  G06F21/62 ,  G06T13/40 ,  G06V10/141

CPC classification number: G06T17/00 ,  G06F21/31 ,  G06F21/6245 ,  G06T13/40 ,  G06V10/141

Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols 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 customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document 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：US20240073029A1

公开(公告)日：2024-02-29

申请号：US17893665

申请日：2022-08-23

Applicant: Bank of America Corporation

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

IPC: H04L9/32 ,  H04L9/00 ,  H04L9/08

CPC classification number: H04L9/3255 ,  H04L9/0833 ,  H04L9/50

Abstract: Arrangements for generating and using client-side generated one-time passcodes (OTP) for transaction processing are provided. A request to register a user and/or user computing device for client-side OTP processing may be received. A request to register a merchant for client-side OTP processing may also be received and, in respond, a unique access key unique to the merchant may be generated and transmitted to one or more devices. A request to process a transaction may be received and may include the unique access key, transaction details, and user device data. The request may be analyzed to determine whether one or more criteria are met. If so, client-side OTP functions may be enabled. If not, client-side OTP functions might not be enabled and, instead, a request for additional authentication data may be generated and transmitted to the user computing device for display.

公开(公告)号：US20230370290A1

公开(公告)日：2023-11-16

申请号：US17740456

申请日：2022-05-10

Applicant: Bank of America Corporation

Inventor： Tushar Agarwal ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Vasuki Anand ,  Amardeep Singh Talwar ,  Pushpa Neelakantan ,  Shailendra Singh

IPC: H04L9/36 ,  H04L9/08 ,  G06Q30/00 ,  G06T13/40 ,  G06T19/00

CPC classification number: H04L9/36 ,  H04L9/0863 ,  G06Q30/016 ,  G06T13/40 ,  G06T19/006

Abstract: Apparatus, systems and methods for providing a four-part, virtual reality (VR) customer service interaction between a customer service avatar operating on a VR platform and a customer using both a mobile device and a VR device are provided. Methods may include activating a VR session between the customer service avatar and the customer. Methods may include validating the VR session between the customer service avatar and the customer. Methods may include processing a co-browsing VR session request. Methods may include initiating the VR session between the customer service avatar and the customer.

公开(公告)号：US20230288704A1

公开(公告)日：2023-09-14

申请号：US17692283

申请日：2022-03-11

Applicant: Bank of America Corporation

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

IPC: G02B27/01 ,  G06V30/18

CPC classification number: G02B27/0172 ,  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：US20220366915A1

公开(公告)日：2022-11-17

申请号：US17318398

申请日：2021-05-12

Applicant: Bank of America Corporation

Inventor： Nandini Rathaur ,  Sneha Padiyar ,  Sandeep Kumar Chauhan

IPC: G10L17/22 ,  G10L17/18 ,  G10L21/0208

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 generate a plurality of user-specific machine learning datasets. Subsequent natural language input data including a user query may be received. The query may be analyzed to identify the user and a user-specific machine learning dataset associated with the user may be identified. The natural language data may be processed to remove noise associated with the data and may be further processed using the identified user-specific machine learning dataset 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：US20220217128A1

公开(公告)日：2022-07-07

申请号：US17143831

申请日：2021-01-07

Applicant: BANK OF AMERICA CORPORATION

Inventor： Divya Sharma ,  Nandini Rathaur ,  Sandeep Verma

IPC: H04L29/06

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.