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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
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.
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公开(公告)号：US11343259B2
公开(公告)日：2022-05-24
申请号：US16925279
申请日：2020-07-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Udaya Kumar Raju Ratnakaram , Puneetha Polasa
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data. In addition, the invention is structured to escalate the authentication of the first activity to the second authentication level based on successful validation of the authentication response provided by the user at the user device.
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公开(公告)号：US20220014527A1
公开(公告)日：2022-01-13
申请号：US16925279
申请日：2020-07-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Udaya Kumar Raju Ratnakaram , Puneetha Polasa
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data. In addition, the invention is structured to escalate the authentication of the first activity to the second authentication level based on successful validation of the authentication response provided by the user at the user device.
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