公开(公告)号：US20250039170A1

公开(公告)日：2025-01-30

申请号：US18225200

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: H04L9/40

Abstract: Apparatus and methods to verify human interaction through an encrypted channel are provided. A human verification program may create an encrypted channel between two or more devices when a communication between users of the devices is started. Data may be transferred over the encrypted channel when a user performs a verifiably human action. The data may be analyzed to determine whether the user is more likely than not a bot. The channel may be collapsed when a pre-determined condition is satisfied.

公开(公告)号：US20240169037A1

公开(公告)日：2024-05-23

申请号：US18057984

申请日：2022-11-22

Applicant: Bank of America Corporation

Inventor： Victoria Lynn Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: G06F21/31 ,  G06F3/04815 ,  G06T13/40 ,  H04L67/306

CPC classification number: G06F21/31 ,  G06F3/04815 ,  G06T13/40 ,  H04L67/306

Abstract: A system includes a memory and a processor coupled to the memory. The processor receives a user credential associated with a user and authorizes an avatar of the user to enter a virtual environment. The processor monitors a plurality of data interactions associated with the first user that are performed in the virtual environment, records information relating to a set of parameters that correspond to a first user profile associated with the first user and determines a first confidence indicator for the first user relating to the first user profile. The processor receives a request from a second user for the first confidence indicator, obtains the first confidence indicator and transmits the obtained first confidence indictor to a user device of the second user.

公开(公告)号：US20250030701A1

公开(公告)日：2025-01-23

申请号：US18222557

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Michael Young ,  Vinesh Patel

IPC: H04L9/40 ,  G06N3/006

Abstract: A method for securing communications received at an automated chatbot within an entity network is provided. The method may enable securing the communications by monitoring inputs received at the automated chatbot in order to identify whether there may be a probability that the input is generated by an artificial intelligence (“AI”) program. The method may include receiving a request to initiate a chat session at the automated chatbot. Each input received at the automated chatbot may be simultaneously retrieved by a processor associated with the chatbot for verifying. Each input may be analyzed by an AI auditor application in comparison to trained data stored in an AI model. The trained data may include characteristics that may be associated with input generated by the AI program. When any inputs correspond to the trained data, the AI auditor may pause the chat session at the automated chatbot and/or terminate the chat session.

公开(公告)号：US20250028704A1

公开(公告)日：2025-01-23

申请号：US18224140

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F16/23 ,  G16H20/70

Abstract: Systems and methods for an artificial intelligence-based auditor of artificial intelligence may be provided. The artificial-intelligence-based auditor may operate on one or more hardware processors. The artificial intelligence-based auditor may continually scan one or more operating artificial intelligence systems for productivity and operability. The scan may identify a data source powering the one or more operating artificial intelligence systems. The scan may measure a delta between an output from each of the one or more operating artificial intelligence systems. The scan may identify trends in quality of the one or more operating artificial intelligence systems. The scan may analyze instances where the one or more operating artificial intelligence systems outputted data outside of a parameter range. Based on the scan, the auditor may label each of the one or more operating artificial intelligence systems as positive, neutral or negative.

公开(公告)号：US12242639B2

公开(公告)日：2025-03-04

申请号：US18222527

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F21/00 ,  G06F21/62

Abstract: Methods and system are provided for tuning an artificial intelligence (“AI”) system. The methods and system may include training the AI system to identify distinct users their distinct interactions. The training may include receiving datatsets related to a plurality of distinct users and their plurality of distinct interactions. The AI system may parse the datasets to arrive at a plurality of sets of distinct interactions performed by respective distinct users, each distinct interaction may be associated with a level of security clearance. The AI system may receive a request from a user to access information. The methods and system may include the AI system initiating a communication with the user. The communication may be compared with the each set of distinct interactions until a user and level of security can be identified. The AI system may prompt the user to access information on the level of security clearance identified.

公开(公告)号：US20250036754A1

公开(公告)日：2025-01-30

申请号：US18225210

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Young Patel ,  Michael Young

IPC: G06F21/55

Abstract: Apparatus and methods for an artificial intelligence implemented termination by an auditor artificial intelligence (“aAI”) of a malicious artificial intelligence (“mAI”) are provided. The aAI may detect a mAI on a network and determine which data the mAI can access on the network. The aAI may then degrade all or part of the data in various ways to prevent the mAI from producing valid content based on the data. The aAI may also create code and inject the code into the mAI to degrade the mAI's operations. As the mAI may rely on valid data to produce valid output, degrading the data may degrade the mAI.

公开(公告)号：US20240171413A1

公开(公告)日：2024-05-23

申请号：US18057920

申请日：2022-11-22

Applicant: Bank of America Corporation

Inventor： Victoria Lynn Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: H04L9/00 ,  H04L9/32

CPC classification number: H04L9/50 ,  H04L9/3213 ,  H04L9/3273

Abstract: A system includes a memory and a processor coupled to the memory. The processor receives a first user credential associated with a first user and authorizes a first avatar of the first user to enter a virtual environment. The processor receives a first request from the first user to receive virtual data objects for at least one target entity and, in response, generates a virtual sub-environment within the virtual environment. The processor authorizes a second user to access the virtual sub-environment and receives a set of conditions from the second user relating to how a first set of virtual data objects is to be distributed to the at least one target entity. The processor receives and transfers the first set of virtual data objects to the at least one target entity based on the set of conditions.

公开(公告)号：US20240031153A1

公开(公告)日：2024-01-25

申请号：US17868229

申请日：2022-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Victoria L. Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: H04L9/32

CPC classification number: H04L9/3213

Abstract: Systems, computer program products, and methods are described herein for token thread authentication system for physical space access. The present invention is configured to extract and organize collected NFTs and tokens within a first plurality of threads in accordance with a set of chronological and authenticating parameters. The present invention is structured to interact with an entity network system to receive authenticating requirements, query stored tokens, and present a token thread for achieving authentication. The system is structured to verify the token thread authentication and to grant access to a location to a requesting user. The system is configured to generate and to present a display associated with the token thread authentication process.

公开(公告)号：US20250039166A1

公开(公告)日：2025-01-30

申请号：US18225197

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Michael Young ,  Vinesh Patel

IPC: H04L9/40

Abstract: Apparatus and methods to verify human interaction through digital tokens are provided. A human verification program may create a principal digital token and assign it to the profiles of a plurality of users. When a first user of the plurality of users requests verification that a second user of the plurality of users is human and not a bot, the program may transmit the principal token to the second user. The second user may perform a verifiably human action and create a secondary token. The secondary token may be transmitted to the program. The program may analyze the secondary token and create a limited verification token when the second user is human and not a bot. The verification token may be transmitted to the first user.

公开(公告)号：US20250037003A1

公开(公告)日：2025-01-30

申请号：US18225226

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Young Patel ,  Michael Young

IPC: G06N20/00

Abstract: Artificial intelligence (AI) systems may manipulate search results about an entity to inject a predetermined bias into the search results. A bias reduction artificial intelligence (AI) system and method may perform the same automated search about the entity on open source and closed source AI systems. The AI-generated search results for the open and closed source AI systems may be compared to determine differences in results. The differences may be analyzed to determine attempts by the AI systems to manipulate search results about the entity to inject predetermined bias. If an attempt at predetermined bias is identified, the bias reduction AI system may reduce the predetermined bias by sharing data about the entity between the open source AI system and the closed source AI system to cause the system to use machine learning to update the algorithms and the first and second data sets. Incentives may also be provided to the open and closed source AI systems to reduce biases.