公开(公告)号：US20240314122A1

公开(公告)日：2024-09-19

申请号：US18675004

申请日：2024-05-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Puneetha Polasa ,  Sandeep Kumar Chauhan ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Udaya Kumar Raju Ratnakaram

IPC: H04L9/40

CPC classification number: H04L63/0861 ,  H04L63/102 ,  H04L63/126

Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.

公开(公告)号：US12089105B2

公开(公告)日：2024-09-10

申请号：US17712248

申请日：2022-04-04

Applicant: Bank of America Corporation

Inventor： Saurabh Arora ,  Sandeep Kumar Chauhan

IPC: H04W36/30 ,  H04W4/30 ,  H04W12/08 ,  H04W24/04 ,  H04W24/08 ,  H04W28/04 ,  H04W28/06 ,  H04W36/00 ,  H04W12/069

CPC classification number: H04W36/30 ,  H04W24/04 ,  H04W24/08 ,  H04W28/04 ,  H04W28/06 ,  H04W36/0022 ,  H04W36/0069 ,  H04W12/069

Abstract: A system architecture for running a second network to support a seamless transition of a transaction request in response to a detection of a connection failure at a first network is provided. The system architecture may include a mobile application running on a mobile device for transmitting the transaction request to the first network and attempting to establish an electronic connection with the first network. The system architecture may also include a LoRa sensor embedded on the mobile device configured to, when the attempt to establish the electronic connection with the first network fails, transmit the transaction request to the second network. The second network may be a low-range wide area network (“LoRaWAN”). The system architecture may also include a LoRaWAN gateway(s) configured to receive the transaction request and transmit the transaction request to a network server operating as a bridge between the LoRaWAN gateway(s) and an entity network.

公开(公告)号：US12073376B2

公开(公告)日：2024-08-27

申请号：US17828606

申请日：2022-05-31

Applicant: Bank of America Corporation

Inventor： Puneetha Polasa ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram

IPC: G06Q20/32

CPC classification number: G06Q20/325 ,  G06Q20/3224

Abstract: Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.

公开(公告)号：US12045822B2

公开(公告)日：2024-07-23

申请号：US17703010

申请日：2022-03-24

Applicant: Bank of America Corporation

Inventor： Udaya Kumar Raju Ratnakaram ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Puneetha Polasa ,  Sandeep Kumar Chauhan

IPC: G06Q20/40 ,  G06V40/16

CPC classification number: G06Q20/40145 ,  G06V40/172

Abstract: Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.

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：US20240070037A1

公开(公告)日：2024-02-29

申请号：US17900082

申请日：2022-08-31

Applicant: Bank of America Corporation

Inventor： Saurabh Arora ,  Sandeep Kumar Chauhan

IPC: G06F11/16 ,  G06F9/54 ,  G06F11/07

CPC classification number: G06F11/16 ,  G06F9/54 ,  G06F11/079

Abstract: Arrangements for providing API stability functions are provided. In some aspects, call logs may be received and analyzed to identify a provider associated with each API call. Based on the provider, the call logs may be split into one or more provider-specific sub-logs. The provider-specific sub-logs may be analyzed to identify failed API calls and the sub-logs having failed API calls may be encrypted using a provider-specific encryption key. The encrypted data may be written to a blockchain where the provider may decrypt the data using the provider-specific key and identify and execute one or more corrective actions. Once a cause of the API call failure has been addressed, an indication of the correction may be received and displayed.

公开(公告)号：US11907928B2

公开(公告)日：2024-02-20

申请号：US16895420

申请日：2020-06-08

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram ,  Geetika Lal

IPC: G06Q20/32 ,  G10L15/08

CPC classification number: G06Q20/3223 ,  G06Q20/327 ,  G06Q20/3227 ,  G10L15/08 ,  G10L2015/088

Abstract: Aspects of the disclosure relate to mobile device operations during an ongoing call. The mobile device operations may relate to payment processing operations. The mobile device may determine contact information associated with a party in an ongoing call. The mobile device may determine, based on the contact information, information associated with a payment transaction request. The mobile device may send, based on the determined information the payment transaction request. The mobile device may dynamically determine a user interface to be displayed during the call to facilitate the various mobile device operations.

公开(公告)号：US20240037529A1

公开(公告)日：2024-02-01

申请号：US17874649

申请日：2022-07-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Geetika Lal ,  Sandeep Kumar Chauhan ,  Ramarao Gaddam ,  Anil Gajula ,  Koteswara Rao Venkata Magham ,  Suman Matury ,  Santosh Kumar Miryala ,  Ravikiran Subramanya Rao ,  Yash Sharma ,  Sudarshan Veeramreddy ,  Durgesh Singh Yadav

IPC: G06Q20/22 ,  G06Q20/40

CPC classification number: G06Q20/229 ,  G06Q20/401

Abstract: Embodiments of the present invention provide an intuitive platform for non-contact instructions regarding resource allocation. In this way, a user may utilize one or more specific gestures which are captured, analyzed, and responded to by the system of the invention in order to initiate or complete one or more resource activities such as a resource transfer, resource transfer split, or other resource action.

公开(公告)号：US20240031162A1

公开(公告)日：2024-01-25

申请号：US17871020

申请日：2022-07-22

Applicant: BANK OF AMERICA CORPORATION

Inventor： Shailendra Singh ,  Sandeep Kumar Chauhan ,  Puneetha Polasa ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Saurabh Arora

IPC: H04L9/32 ,  H04L9/00

CPC classification number: H04L9/3236 ,  H04L9/50

Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification when traversing between virtual environments. The present invention is configured to receive, from a user input device, a request from a user to traverse from a first virtual environment to a second virtual environment using an NFT identifier; retrieve, using an NFT navigation engine, an NFT from a distributed ledger based on at least the NFT identifier; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with traversing from the first virtual environment to the second virtual environment; and authorize, using an access management engine, the user to traverse from the first virtual environment to the second virtual environment based on at least the information associated with the user and the transaction conditions.

公开(公告)号：US20240013200A1

公开(公告)日：2024-01-11

申请号：US17857307

申请日：2022-07-05

Applicant: BANK OF AMERICA CORPORATION

Inventor： Shailendra Singh ,  Sandeep Kumar Chauhan ,  Puneetha Polasa ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Saurabh Arora

IPC: G06Q20/36 ,  G06Q20/40 ,  G06T13/40 ,  H04L9/00

CPC classification number: G06Q20/3674 ,  G06Q20/3678 ,  G06Q20/401 ,  G06T13/40 ,  H04L9/50

Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification across virtual environments. The present invention is configured to receive, from a user input device, a request from a user to access a first virtual environment, wherein the request comprises at least an NFT; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with the access to the first virtual environment; validate the information associated with the user to verify user identity; determine that the transaction conditions meet one or more requirements for access to the first virtual environment; and authorize the user to access the first virtual environment based on at least validating the information associated with the user and that the transaction conditions meet the one or more requirements for access to the first virtual environment.