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公开(公告)号：US12266232B2
公开(公告)日：2025-04-01
申请号：US17872569
申请日：2022-07-25
Applicant: Bank of America Corporation
Inventor： George Albero , Amit Pandey
Abstract: Systems, devices, and methods for user authentication are described. A security platform may authenticate a user based on a machine learning model created using historical user behavior. The user behavior may correspond to user interaction with and/or operation of a computing device. The user behavior may correspond to, for example, historical user purchase patterns. Applications include user authentication for online and offline purchases, access to computing resources, and/or access to physical locations.
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公开(公告)号：US20250097346A1
公开(公告)日：2025-03-20
申请号：US18368095
申请日：2023-09-14
Applicant: Bank of America Corporation
Inventor： George Albero , Maharaj Mukherjee
IPC: H04M3/436
Abstract: A computing platform may train an identity verification model to identify authentication questions to validate an identity of an individual. The computing platform may detect a call of the individual. The computing platform may input, into the identity verification model and while the call is paused, information of the call, the individual, and/or a second individual, which may cause the identity verification model to output the authentication questions. The computing platform may send, while the call is paused and to a user device of the individual, the authentication questions. The computing platform may receive, while the call is paused and from the user device, authentication information comprising responses to the authentication questions. The computing platform may validate, while the call is paused, the authentication information. Based on successful validation of the authentication information, the computing platform may cause the call to resume.
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公开(公告)号：US20250080512A1
公开(公告)日：2025-03-06
申请号：US18950298
申请日：2024-11-18
Applicant: Bank of America Corporation
Inventor： George Albero , Maharaj Mukherjee , Elijah Clark , Benjamin Moores
IPC: H04L9/40
Abstract: Aspects of the disclosure relate to electronic messaging security. A computing platform may push, to a client device, an electronic messaging plugin configured to validate steganographic modifications, embedded in electronic messages by the computing platform. The computing platform may intercept an electronic message directed to the client device. The computing platform may generate a steganographic modification to the electronic message. The computing platform may embed, in the electronic message, the steganographic modification, resulting in a modified electronic message. The computing platform may send, to the client device, the modified electronic message, where the client device may configured to validate, using the electronic messaging plugin, the steganographic modification prior to launching the modified electronic message at the client device.
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公开(公告)号：US20240265078A1
公开(公告)日：2024-08-08
申请号：US18636665
申请日：2024-04-16
Applicant: Bank of America Corporation
Inventor： Daniel Horne , George Albero , Robert A. Lang
CPC classification number: G06F21/31 , G06F21/6218
Abstract: A computing system for securely managing access to resources of a computing device receives an input at a secure login of a user interface. The computing system compares the input to a plurality of stored security measures and activates one of an operating system or a configuration of a false desktop system. A user interface of the false desktop system shares characteristics with a user interface of an operating system and restricts access to specified files, data stores, applications, networking functions, and/or ports associated with the computing system. When configured, the false desktop system or the operating system is enabled based on the location of the computing system. When configured, the false desktop system deletes files, data stores, and applications of the operating system.
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公开(公告)号：US12039019B2
公开(公告)日：2024-07-16
申请号：US18050278
申请日：2022-10-27
Applicant: Bank of America Corporation
Inventor： Daniel Horne , George Albero , Robert A. Lang
CPC classification number: G06F21/31 , G06F21/6218
Abstract: A computing system for securely managing access to resources of a computing device receives an input at a secure login of a user interface. The computing system compares the input to a plurality of stored security measures and activates one of an operating system or a configuration of a false desktop system. A user interface of the false desktop system shares characteristics with a user interface of an operating system and restricts access to specified files, data stores, applications, networking functions, and/or ports associated with the computing system. When configured, the false desktop system or the operating system is enabled based on the location of the computing system. When configured, the false desktop system deletes files, data stores, and applications of the operating system.
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Patent Agency Ranking
公开(公告)号：US11985137B2
公开(公告)日：2024-05-14
申请号：US17894658
申请日：2022-08-24
Applicant: Bank of America Corporation
Inventor： George Albero , Elijah Clark
IPC: H04L29/06 , G06N5/04 , G06N20/00 , G06Q10/0631 , H04L9/40
CPC classification number: H04L63/104 , G06N5/04 , G06N20/00 , G06Q10/0631
Abstract: Aspects of the disclosure relate to real-time management of access controls. A computing platform may detect, via the communication interface, a trigger related to an activity of an enterprise user over a network. Then, the computing platform may retrieve, via the communication interface and from the network device, data associated with the activity. The computing platform may then compare, via the computing device, the retrieved data with a central tendency for activities with the network device. Subsequently, the computing platform may identify, based on the comparing, a deviation from the central tendency. Then, the computing platform may adjust, dynamically in real-time and in response to identifying the deviation, an access control or multiple access controls for the enterprise user to the network device.
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公开(公告)号：US11979423B2
公开(公告)日：2024-05-07
申请号：US18113184
申请日：2023-02-23
Applicant: Bank of America Corporation
Inventor： George Albero , Gulsen Saffel
CPC classification number: H04L63/1425 , G06N20/00 , H04L63/1433
Abstract: Aspects of the disclosure relate to real-time classification of content in a data transmission. A computing platform may detect, in real-time and via a computing device, a plurality of data transmissions between applications over a communications network. Then, the computing platform may retrieve, for a particular data transmission of the plurality of data transmissions, a content of the particular data transmission. The computing platform may then analyze, via the computing device, the content. Subsequently, the computing platform may determine, in real-time via the computing device and based on the analyzing, a security classification for the content. Then, the computing platform may cause, in real-time via the computing device, the content to be marked with the determined security classification.
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公开(公告)号：US20240095628A1
公开(公告)日：2024-03-21
申请号：US17948621
申请日：2022-09-20
Applicant: Bank of America Corporation
Inventor： Maharaj Mukherjee , George Albero , Jinna Kim
CPC classification number: G06Q10/06315 , G06Q30/0206 , G06Q50/06 , H02J3/003 , H02J3/144
Abstract: Aspects of the disclosure relate to energy optimization. A computing platform may receive an event processing request. The computing platform may identify parameters of the event processing request. The computing platform may input the parameters into a global energy optimization model, to identify an edge computing system at which to process the event processing request. The computing platform may route the event processing request to the edge computing system along with commands to process the event processing request using an energy mix identified by a local energy optimization model, corresponding to the edge computing system, which may cause the edge computing system to: input the parameters of the event processing request into the local energy optimization model to identify the energy mix, and process, using the energy mix, the event processing request.
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公开(公告)号：US20240013167A1
公开(公告)日：2024-01-11
申请号：US18369994
申请日：2023-09-19
Applicant: Bank of America Corporation
Inventor： Benjamin D. Moores , Maharaj Mukherjee , George Albero
IPC: G06Q20/04
CPC classification number: G06Q20/0425
Abstract: Aspects of the disclosure relate to digital check processing. A computing platform may receive, from a first recipient, a request to transfer a first portion of funds, corresponding to the first digital check image, to a second recipient account and a second portion of the funds, corresponding to the first digital check image, to a third recipient account. The computing platform may generate second and third digital check images representative of the first and second portions of the funds respectively. Based on successful validation of the second digital check image and the third digital check image, the computing platform may embed, into the second and third digital check images, a digital chip that indicates the successful validation. The computing platform may send, to the second recipient account and the third recipient account, the second and third digital check images respectively.
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公开(公告)号：US20230334442A1
公开(公告)日：2023-10-19
申请号：US17720873
申请日：2022-04-14
Applicant: Bank of America Corporation
Inventor： George Albero , Maharaj Mukherjee , Benjamin D. Moores
CPC classification number: G06Q20/0425 , G06Q20/3274 , G06Q20/204 , G06Q20/40145 , G06Q20/4015 , G06Q20/407 , G06K19/06037 , G06K7/1417
Abstract: Aspects of the disclosure relate to digital check processing. A computing platform may receive a check image from a user device. The computing platform may configure, based on the check image, a digital check for use in conducting transactions between the user device and point of sale devices, which may include generating a QR code for the check. The computing platform may send, to the user device, the digital check, which may enable the user device to execute a transaction with a first point of sale device. The computing platform may receive, from the first point of sale device, a request to execute the transaction. The computing platform may direct an event processing server to process the transaction, which may cause the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device.
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