公开(公告)号：US20230385803A1

公开(公告)日：2023-11-30

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：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：US20230319548A1

公开(公告)日：2023-10-05

申请号：US17712220

申请日：2022-04-04

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sheetal Bhatia

IPC: H04W12/03 ,  H04W12/06 ,  H04W12/041 ,  H04W12/00 ,  H04W4/80

CPC classification number: H04W12/03 ,  H04W12/06 ,  H04W12/041 ,  H04W12/009 ,  H04W4/80

Abstract: Systems, methods, and apparatus are provided for securing transmission of sensitive data on an LPWAN network such as LoRaWAN. Long-range, low-power transmission may enable a transaction card to communicate with a financial institution server without internet or cellular connectivity. The transaction card may generate a first security key. The key may include a transaction timestamp, a random number generated by the transaction card microprocessor, a personal identifier received at the transaction card from a user, one or more card parameters, and/or any suitable factors. A long-range, low-power network server may detect the card transmission. The server may retrieve the card parameters and personal identifiers stored in association with a user account during card registration. The server may generate a second security key. Based on a match between the first security key and the second security key, the server may authenticate the transmission.

公开(公告)号：US20230252018A1

公开(公告)日：2023-08-10

申请号：US17667604

申请日：2022-02-09

Applicant: BANK OF AMERICA CORPORATION

Inventor： Yash Sharma ,  Sandeep Kumar Chauhan

IPC: G06F16/23 ,  G06F16/27 ,  G06V10/56

CPC classification number: G06F16/2379 ,  G06F16/27 ,  G06V10/56

Abstract: Systems, computer program products, and methods are described herein for identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.

公开(公告)号：US20230246835A1

公开(公告)日：2023-08-03

申请号：US17592141

申请日：2022-02-03

Applicant: BANK OF AMERICA CORPORATION

Inventor： Yash Sharma ,  Sandeep Kumar Chauhan

IPC: H04L9/32

CPC classification number: H04L9/3213 ,  H04L9/3236 ,  H04L9/3247

Abstract: A system is provided for generation of substitutable configuration of secure distributed register tokens. In particular, the system may generate, on a distributed register, a secure token with a built-in source code function for triggering a substitution of the secure token with one or more substitute tokens upon the occurrence of a specific condition. The function may pull one or more values associated with the secure token (e.g., from an oracle) and generate the one or more substitute tokens based on the one or more values. Once the substitute tokens are generated, the substitute tokens may be used to replace the secure token on the distributed register.

公开(公告)号：US20230196331A1

公开(公告)日：2023-06-22

申请号：US17554082

申请日：2021-12-17

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Govinda Rajulu Nelluri ,  Sandeep Kumar Chauhan ,  Shailendra Singh ,  Pavan Kumar Gauji

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/3278 ,  G06Q20/4015

Abstract: Arrangements for intelligent routing of transactions via a transaction adapter are provided. In some aspects, a request for a system selected mobile transaction adapter may be received from a user computing device in a current geographic location. Responsive to receiving the request, a computing platform may generate a plurality of requests for external entity data. The computing platform may receive entity data from the one or more external entities. In some examples, the entity data from the one or more external entities may be analyzed using machine learning. For instance, one or more machine learning models may be executed to identify, based on the data, an optimal or preferred service provider and/or mobile transaction adapter associated with the identified service provider. The identified mobile transaction adapter may then be transmitted to the user computing device for installation.

公开(公告)号：US20230196330A1

公开(公告)日：2023-06-22

申请号：US17554066

申请日：2021-12-17

Applicant: Bank of America Corporation

Inventor： Sneha Padiyar ,  Govinda Rajulu Nelluri ,  Sandeep Kumar Chauhan ,  Shailendra Singh ,  Pavan Kumar Gauji

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3224 ,  G06Q20/4015

Abstract: Arrangements for transaction adapter control are provided. In some aspects, a user device may connect to a network in a current geographic location. The user computing device may detect that a change in geographic location has occurred based on the current geographic location. Responsive to detecting that the change in geographic location has occurred, a mobile transaction adapter associated with or unique to the current geographic location may be downloaded to the user computing device. The mobile transaction adapter may be a plug-in component to a mobile payment application on the user computing device. A request to process a transaction may be received via the mobile payment application on the user device. Upon receiving the request to process the transaction, the mobile transaction adapter may be activated and the request may be routed to the mobile transaction adapter. The requested transaction may then be processed via the mobile transaction adapter.

公开(公告)号：US11671488B1

公开(公告)日：2023-06-06

申请号：US17679838

申请日：2022-02-24

Applicant: Bank of America Corporation

Inventor： Yash Sharma ,  Sandeep Kumar Chauhan

IPC: H04L12/00 ,  H04L67/104 ,  G06F16/27 ,  G06F11/34 ,  H04L67/1074

CPC classification number: H04L67/1051 ,  G06F11/3409 ,  G06F16/27 ,  H04L67/1085

Abstract: Domain-based server-selection computer-implemented processes and machines implement an extension of RAFT consensus for leader selection based on patterns of update data proximity. Accounts involved in payment or other transactions are maintained as “sharded” data across data store instances that are split into shards according to their temporal activity. If the domain attributes for a node exceed a threshold and are greater than the other nodes, the node is designated as a leader node and the others are designated as follower nodes. This provides an additional optimization in network performance by introducing insights in normal operations within a domain in a distributed network. If the domain attributes do not exceed the threshold and/or are not greater than the other nodes, a traditional consensus algorithm is used to select leader and follower nodes.

公开(公告)号：US11528234B2

公开(公告)日：2022-12-13

申请号：US17490708

申请日：2021-09-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Deviprasad Tatti ,  Gaurav Bansal ,  Sandeep Kumar Chauhan ,  Shekhar Singh Mehra

IPC: H04L47/74 ,  H04L47/70 ,  H04L47/78 ,  G06F11/07 ,  G06Q20/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

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.