公开(公告)号：US20190372951A1

公开(公告)日：2019-12-05

申请号：US15995894

申请日：2018-06-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Dharmender Kumar Satija ,  Eren Kursun

IPC: H04L29/06 ,  H04M3/38 ,  H04M3/42 ,  H04M3/428 ,  H04M7/00 ,  G06F21/31 ,  H04W12/06 ,  H04W12/08

Abstract: The invention relates to providing alternate user communication based on user identification. A communication from a user may be received, and the communication may include an authentication credential from the user. When the user is determined to be an unauthorized user based on the authentication credential, the communication may be extended in order to capture more information from the unauthorized user, and to deter the unauthorized user from making other unauthorized access attempts. In addition to the extension of the communication with the unauthorized user, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.

公开(公告)号：US20190272360A1

公开(公告)日：2019-09-05

申请号：US15909309

申请日：2018-03-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Eren Kursun ,  Dharmender Kumar Satija

IPC: G06F21/31 ,  G06F21/45 ,  H04L29/08

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for identification of normal state authenticity indicators for user and entity authentication into applications in real-time to prevent misappropriation at the point of authenticity. In this way, the system uses multiple modeling processes for identification of authentic access requests to prevent misappropriation including utilizing phase-based characterization of different perspectives to make real-time determinations on authenticity of an interaction and/or misappropriation likelihood. The invention relies on multiple characteristics and models in simultaneous utilization for real-time authenticity decisions.

公开(公告)号：US20190132336A1

公开(公告)日：2019-05-02

申请号：US15798155

申请日：2017-10-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Scott Anderson Sims ,  Kolt Arthur Bell ,  Michael Joseph Carroll ,  Andrew DongHo Kim ,  Elliot Piatetsky ,  Stephen M. Schneeweis ,  Michael E. Toth ,  Craig D. Widmann ,  Dharmender Kumar Satija ,  Sai Kishan Alapati ,  Hitesh J. Shah

IPC: H04L29/06

CPC classification number: H04L63/1416 ,  H04L63/1425 ,  H04L63/1441

Abstract: Systems, computer program products, and methods are described herein for the creation of an exposure identification and distribution system for across silo channel integration. In this way, the system allows team integration of data across rails and silos for exposure identification. As such, the system generates a centralized repository for data and a communication linkage across the various systems used for identifying exposure and manipulated for linkage via a specific taxonomy overlay. Furthermore the system also includes logic that, when identification of a potential exposure indicate occurs, the system may communicate via distribution over the rails for integration and sharing for cross entity exposure identification.

公开(公告)号：US20150379627A1

公开(公告)日：2015-12-31

申请号：US14317927

申请日：2014-06-27

Applicant: Bank of America Corporation

Inventor： Dharmender Kumar Satija ,  Ashwin Roongta ,  Chris Butler

IPC: G06Q40/00

CPC classification number: G06Q40/00

Abstract: An integrated financial application management device having a consolidated system that may allow users to access one or more financial applications and/or functions, wherein said users are subject to different regulations governing access to various types of financial information. The integrated financial application management device may provide a tailored user interface such that information that is visible to the user is customized based upon login information identifying a user as, among others, a customer of a financial institution, a fiduciary, or a broker-dealer.

Abstract translation: 具有可以允许用户访问一个或多个财务应用和/或功能的综合系统的集成金融应用管理设备，其中所述用户受到关于访问各种类型的财务信息的不同规定。 集成金融应用管理设备可以提供定制的用户界面，使得基于用户识别用户的登录信息被定制为用户可见的信息，其中包括金融机构的客户，受信人或经纪人交易者 。