公开(公告)号：US20230164172A1

公开(公告)日：2023-05-25

申请号：US17531411

申请日：2021-11-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Adithya Gadwale

IPC: H04L29/06

CPC classification number: H04L63/1441 ,  H04L63/1408 ,  H04L63/126

Abstract: Systematically verifying the identities of entities in control of Internet Protocol (IP) addresses and determining a security threat status for each of the entities based at least on the verified identity. As incoming data packets are received from an originating IP address, the entity in control of the originating IP address and their corresponding security threat status are identified and data packets are dispositioned i.e., blocked/dropped, sequestered or authorized for further transmission, based on the security threat status of the entity in control of the IP address.

公开(公告)号：US20230231894A1

公开(公告)日：2023-07-20

申请号：US17578628

申请日：2022-01-19

Applicant: Bank of America Corporation

Inventor： Stephen Thomas Shannon ,  Katherine Kei-Zen Dintenfass ,  Adithya Gadwale

IPC: H04L65/403 ,  H04L65/1089 ,  G06F40/166 ,  G06F40/40 ,  G06F21/31

CPC classification number: H04L65/403 ,  H04L65/1089 ,  G06F40/166 ,  G06F40/40 ,  G06F21/31

Abstract: A system for conducting multi-session user interactions accesses a first interaction session between the user and a first entity, where the first interaction session is via a first communication channel. The system determines first context information associated with the first interaction session, where the first context information associated with the first interaction session comprises a summary associated with the first interaction session. The system generates a token identifier (ID) uniquely identifying the user and the first context information. The system associates the token ID to the user interaction information. The system accesses a second interaction session between the user and a second entity, wherein the second interaction session is via a second communication channel. The system authenticates the user based at least in part upon the token ID. The system communicates the first context information associated with the first interaction session to the second entity.

公开(公告)号：US20230153779A1

公开(公告)日：2023-05-18

申请号：US17525360

申请日：2021-11-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Shivanand Bharti ,  Adithya Gadwale

IPC: G06Q20/16 ,  G06Q20/08 ,  G06F40/40 ,  G06F40/205

CPC classification number: G06Q20/16 ,  G06Q20/0855 ,  G06F40/40 ,  G06F40/205

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel modelling using machine learning algorithms. The present invention is configured to detect a natural language input from a third party to a user; parse, using the communication channel modelling algorithm, the natural language input; determine an expression pattern associated with the natural language input; extract, from the expression pattern, information associated with the third party and information associated with the resource transfer; determine one or more alternate communication channels for the user to initiate the resource transfer to the third party; display the one or more alternate communication channels to the user; receive, via the user input device, a user selection of an alternate communication channels; and execute the resource transfer to the third party via the alternate communication channel selected by the user.

公开(公告)号：US20250021352A1

公开(公告)日：2025-01-16

申请号：US18221220

申请日：2023-07-12

Applicant: BANK OF AMERICA CORPORATION

Inventor： Heather Roseann Dolan ,  Jatin Agrawal ,  Angela Caraccioli ,  Adithya Gadwale ,  Dilip Raja

IPC: G06F9/451

Abstract: Systems, computer program products, and methods are described herein for implementing AI to generate a time-sensitive notifications related to configuration of graphical user interfaces. The present invention is configured to identify a primary user account; collect a primary user account dataset; generate a time sensitive notification AI engine associated with the primary user account; access, by the time sensitive notification AI engine, a user account database; identify at least one comparable user account and an associated at least one comparable user account dataset; compare, by the time sensitive notification AI engine, the primary user account dataset and the at least one comparable user account dataset; generate a time sensitive notification for the primary user account; and transmit a time sensitive notification interface component to a user device associated with the primary user account.

公开(公告)号：US20240275770A1

公开(公告)日：2024-08-15

申请号：US18169370

申请日：2023-02-15

Applicant: Bank of America Corporation

Inventor： Jatin Agrawal ,  Heather Dolan ,  Adithya Gadwale ,  Catalina Enciso ,  Akeem Perez

IPC: H04L9/40

CPC classification number: H04L63/08

Abstract: A system for transitioning an interaction session initiated within a metaverse to a real-world environment to complete the interaction session comprises a metaverse server in communication with an entity server. The metaverse server receives an interaction request from an avatar to initiate an interaction session with an entity within a virtual environment. The metaverse server generates an instruction token for a user instruction and a session identifier for the interaction session. The metaverse server obtains a user identity token from the entity and authorizes the avatar to interact with the entity. The metaverse server conducts the first interaction between the avatar and the entity and generates a first interaction token for the first interaction. The entity server validates the user identity token and the first interaction token from the user device in the real-world environment. The entity server conducts a second interaction with the user to complete the interaction session.

公开(公告)号：US20230388375A1

公开(公告)日：2023-11-30

申请号：US17824360

申请日：2022-05-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Adithya Gadwale ,  Phanta Danielle Wynn

IPC: H04L67/1074 ,  H04L9/40

CPC classification number: H04L67/1078 ,  H04L63/102 ,  H04L63/08 ,  H04L63/107

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.

公开(公告)号：US12160470B2

公开(公告)日：2024-12-03

申请号：US18527459

申请日：2023-12-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： Adithya Gadwale ,  Phanta Danielle Wynn

IPC: H04L61/3015 ,  H04L9/40 ,  H04L67/1074

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.

公开(公告)号：US11902366B2

公开(公告)日：2024-02-13

申请号：US17824360

申请日：2022-05-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： Adithya Gadwale ,  Phanta Danielle Wynn

IPC: H04L61/3015 ,  H04L67/1074 ,  H04L9/40

CPC classification number: H04L67/1078 ,  H04L61/3015 ,  H04L63/08 ,  H04L63/102 ,  H04L63/107

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic multi-factor soft lock on user identifiers. The present invention is configured to receive, from a first user input device, a network registration request from a user to obtain authorization to execute resource transfers within a distributed network using a first user identifier; query, using an information retrieval engine, metadata associated with the user within the distributed network for traceable instances of digital activities of the user; determine one or more user identifiers based on at least the metadata associated with the user; execute, using an authentication subsystem, a soft lock on the one or more user identifiers; approve authorization for the user to execute the resource transfers within the distributed network using the first user identifier; and transmit control signals configured to cause the first user device to display the authorization.

公开(公告)号：US11792243B2

公开(公告)日：2023-10-17

申请号：US17578628

申请日：2022-01-19

Applicant: Bank of America Corporation

Inventor： Stephen Thomas Shannon ,  Katherine Kei-Zen Dintenfass ,  Adithya Gadwale

IPC: H04L65/403 ,  H04L65/1089 ,  G06F21/31 ,  G06F40/40 ,  H04L65/1069

CPC classification number: H04L65/403 ,  G06F21/31 ,  G06F40/40 ,  H04L65/1069 ,  H04L65/1089

Abstract: A system for conducting multi-session user interactions accesses a first interaction session between the user and a first entity, where the first interaction session is via a first communication channel. The system determines first context information associated with the first interaction session, where the first context information associated with the first interaction session comprises a summary associated with the first interaction session. The system generates a token identifier (ID) uniquely identifying the user and the first context information. The system associates the token ID to the user interaction information. The system accesses a second interaction session between the user and a second entity, wherein the second interaction session is via a second communication channel. The system authenticates the user based at least in part upon the token ID. The system communicates the first context information associated with the first interaction session to the second entity.

公开(公告)号：US20230244859A1

公开(公告)日：2023-08-03

申请号：US17591391

申请日：2022-02-02

Applicant: Bank of America Corporation

Inventor： Graham Marshall Wyllie ,  Adithya Gadwale ,  Katherine Kei-Zen Dintenfass ,  Stephen Thomas Shannon

IPC: G06F40/174 ,  G06F40/106 ,  G06F40/197 ,  G06F40/194 ,  G06F16/16

CPC classification number: G06F40/174 ,  G06F40/106 ,  G06F40/197 ,  G06F40/194 ,  G06F16/168

Abstract: An apparatus includes a memory and a processor. The memory stores an identification of information and a document associated with an external system. The processor receives information associated with a user, and uses the information to generate a file of a first type. The processor also receives a selection of an option to initiate automatic generation of a file of a second type by the external system. In response, the processor identifies, from the information and based on the identification of the information used by the external system, a subset of information associated with the user. The processor transmits the subset to the external system. The processor additionally presents the document to the user, determines that the user edited the document, and transmits the edited document to the external system. In response to receiving the subset and the edited document, the external system generates the file of the second type.