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公开(公告)号：US10915613B2
公开(公告)日：2021-02-09
申请号：US16106259
申请日：2018-08-21
Applicant: Bank of America Corporation
Inventor： Keesara Himabindu , Jayachandra Varma , Crystal M. Sundaramoorthy , Gilbert M. Gatchalian , Manu Kurian , Kevin A. Delson , Saritha Prasad Vrittamani , Angela Cain
Abstract: Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.
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公开(公告)号：US20200349602A1
公开(公告)日：2020-11-05
申请号：US16399263
申请日：2019-04-30
Applicant: Bank of America Corporation
Inventor： Jayachandra Varma , Gopikrishna Nemalikanti , Manu Kurian , Saritha Vrittamani
Abstract: Systems and methods for batch multiplexing a plurality of transactions are provided. A system may include a machine-learning (“ML”) based engine configured to receive instructions to execute a first transaction, derive a plurality of sets of delay parameters for the first transaction, and display the sets of delay parameters on a graphical user interface (“GUI”) associated with a sender of the instructions. The engine may be configured to receive a selection of a set of delay parameters, and, based on the selection, append the first transaction to one of a plurality of pending transaction queues. The engine may be further configured to, within a maximum time window, combine the transactions in the pending transaction queue to create a single multiplexed transaction, and execute the multiplexed transaction. The engine may also be configured to demultiplex the multiplexed transaction after it is executed.
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公开(公告)号：US10659388B1
公开(公告)日：2020-05-19
申请号：US16400140
申请日：2019-05-01
Applicant: Bank of America Corporation
Inventor： Manu Kurian , Jason T. Findley , Jayachandra Varma , Gopikrishna Nemalikanti , Saritha Vrittamani
IPC: H04L12/803 , H04L12/927 , H04L12/24 , H04L12/26 , H04L12/923 , H04L12/911
Abstract: A method for throttling an allocation of resources for processing digital transmissions is provided. The method may include receiving initial digital transmissions from a plurality of client systems and analyzing the initial digital transmissions. The analyzing may determine a cluster of digital transmissions, an amount of resources for processing the cluster and a time-window for processing the cluster. The method may further include allocating the determined amount of resources to each of the clusters. The method may also include processing recurrently, for each of the systems, digital transmissions received after the initial digital transmissions. Concurrently with the periodic processing, the method may include, for each client system, monitoring digital transmissions including recording a transmission log, identifying changes in the log, assigning a credibility score and throttling, dynamically, the amount of resources allocated, based on the credibility score and the identified change.
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公开(公告)号：US10462223B2
公开(公告)日：2019-10-29
申请号：US15833551
申请日：2017-12-06
Applicant: Bank of America Corporation
Inventor： Jayachandra Varma , Manu Kurian , Albena N. Fairchild , Dimitra J. Tsagris , Ganesh Bonda
Abstract: Aspects of the present disclosure are directed to electronic computer implemented methods of data communication. The method includes receiving a plurality of virtual nodes with EDI data payload including a node attribute, a GPS location attribute and a biometric ID attribute and at least one data element associated with the GPS location attribute. In further aspect, the method includes electronically via a data communications network, processing the EDI data payloads including the node attribute, the GPS location attribute and the biometric ID attribute and the at least one data element associated with the GPS location attribute. Then, electronically processing the EDI data payloads in a network with machine learning and providing an electronic message responsive thereto. In yet a further aspect, the data communications method includes a step of processing the smart data set in the network with machine learning and providing an electronic message responsive thereto.
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35.发明授权公开(公告)号：US12289315B2
公开(公告)日：2025-04-29
申请号：US18664144
申请日：2024-05-14
Applicant: Bank of America Corporation
Inventor： Jayachandra Varma , Manu Kurian , Lalit Dhawan
IPC: H04L29/06 , G06F21/31 , G06T11/00 , H04L9/40 , H04L67/131 , H04L67/306 , H04L67/52
Abstract: A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.
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Patent Agency Ranking
公开(公告)号：US12229166B2
公开(公告)日：2025-02-18
申请号：US18205646
申请日：2023-06-05
Applicant: Bank of America Corporation
Inventor： Harinath Meedinti Bhaskara Reddy , Manu Kurian , Jayachandra Varma , Erica Perkins , Aeric Solow
IPC: G06F16/28
Abstract: Provided herein is a method of storing an incoming dataset in a data mesh. The method may include a plurality of steps. The steps may include associating a metadata tag with a classifying feature and a storage instruction in a (first) relational database. The steps may include scanning incoming datasets to identify datasets characterized by the classifying feature. The steps may include tagging an incoming dataset to generate a tagged dataset. The steps may include storing the tagged dataset in the data mesh, according to the storage instruction. The steps may include associating, in a second relational database, the metadata tag with the initial storage location. The steps may include modifying the storage instruction. The steps may include storing the incoming dataset an additional time in the data mesh, according to the modified storage instruction.
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公开(公告)号：US20240406139A1
公开(公告)日：2024-12-05
申请号：US18202997
申请日：2023-05-29
Applicant: Bank of America Corporation
Inventor： Jayachandra Varma , Manu Kurian
IPC: H04L9/40
Abstract: Apparatus and methods to automatically filter data at an edge of a network are provided. An edge data filter may intercept incoming data before the data is downloaded onto the network. The edge data filter may analyze the data and metadata of the data through one or more artificial intelligence/machine learning (“AI/ML”) algorithms to determine if any of the data is relevant to the network. When any of the data is relevant to the network, the edge data filter may release the relevant data to the network.
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38.发明公开公开(公告)号：US20240305644A1
公开(公告)日：2024-09-12
申请号：US18664144
申请日：2024-05-14
Applicant: Bank of America Corporation
Inventor： Jayachandra Varma , Manu Kurian , Lalit Dhawan
IPC: H04L9/40 , G06F21/31 , G06T11/00 , H04L67/131 , H04L67/306 , H04L67/52
CPC classification number: H04L63/102 , G06F21/31 , G06T11/00 , H04L67/131 , H04L67/306 , H04L67/52
Abstract: A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.
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公开(公告)号：US11706153B2
公开(公告)日：2023-07-18
申请号：US17370554
申请日：2021-07-08
Applicant: Bank of America Corporation
Inventor： Jayachandra Varma , Manu Kurian , Lixian Huang , Hemantkumar D. Gajjar , Ganesh Bonda , Floyd Franklin Rock, Jr.
Abstract: Aspects of the disclosure relate to providing cloud computing resources from one or more cloud service providers for a client computing device through a computing platform. The client computing device may benefit from an economy of scale while being able to obtain different types of cloud services over a plurality of cloud providers. The client computing device may request an initial amount of cloud services and subsequently may request cloud services that utilize a requested amount of cloud resources. The requested amount of cloud resources may be apportioned among the plurality of cloud service providers, to provide the requested cloud service. The computing platform may also support a cloud abstraction layer interacting between client computing device and one or more cloud providers so that the client computing device can obtain cloud service in a transparent manner.
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公开(公告)号：US11528341B2
公开(公告)日：2022-12-13
申请号：US17533351
申请日：2021-11-23
Applicant: Bank of America Corporation
Inventor： Michael Ogrinz , Christine D. Black , Jayachandra Varma , Jinna Kim
IPC: H04L67/5651 , G06N5/04 , G06F8/41 , H04L67/01 , H04L47/2416 , H04L12/70
Abstract: Aspects of the disclosure relate to cognitive automation-based engine processing to propagate data across multiple systems via a private network to overcome technical system, resource consumption, and architecture limitations. Data to be propagated can be manually input or extracted from a digital file. The data can be parsed by analyzing for correct syntax, normalized into first through sixth normal forms, segmented into packets for efficient data transmission, validated to ensure that the data satisfies defined formats and input criteria, and distributed into a plurality of data stores coupled to the private network, thereby propagating data without repetitive manual entry. The data may also be enriched by, for example, correcting for any errors or linking with other potentially related data. Based on data enrichment, recommendations of additional target(s) for propagation of data can be identified. Reports may also be generated. The cognitive automation may be performed in real-time to expedite processing.
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