公开(公告)号：US20250133113A1

公开(公告)日：2025-04-24

申请号：US18381839

申请日：2023-10-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Maharaj Mukherjee ,  Prashant Thakur

IPC: H04L9/40

Abstract: Systems, computer program products, and methods for determining and preventing malfeasant activity in a private distributed network. The method includes generating one or more executed data transfer records for each of one or more executed data transfers across a distributed network. Each of the one or more executed data transfer records includes one or more data transfer information fields. The method also includes generating one or more decoy executed data transfer records. The decoy executed data transfer record(s) includes the data transfer information field(s). The method further includes providing a portal that contains each of the records associated with the distributed network. The method still further includes detecting a record access for one or more of the decoy executed data transfer records by an end-point device associated with a user. The method also includes causing an escalation action to be executed based on the detection of the record access.

公开(公告)号：US20250112916A1

公开(公告)日：2025-04-03

申请号：US18479917

申请日：2023-10-03

Applicant: Bank of America Corporation

Inventor： George Anthony Albero ,  Olga Caroline Kocharyan ,  Dustin Paul Stocks ,  Maharaj Mukherjee ,  Karen Davis ,  Lisa Snow Pugh ,  Anna Maria Mirarchi ,  Sanjay Arjun Lohar ,  James Joseph Siekman ,  Anna Xu ,  Samantha Ilse Quales

IPC: H04L9/40

Abstract: A device for performing a secured operation is disclosed. The device is embedded with a predefined data item and verification information. The verification information is uniquely associated with the user of the device. The verification information is linked to the identity of the user. The verification information is configured to be extracted in conjunction with the secured operation being performed. The secured operation is performed in response to the verification information being verified. A system and method for performing the secured operation are also disclosed.

公开(公告)号：US20250097234A1

公开(公告)日：2025-03-20

申请号：US18368210

申请日：2023-09-14

Applicant: Bank of America Corporation

Inventor： George Anthony Albero ,  Maharaj Mukherjee

IPC: H04L9/40 ,  H04L67/141

Abstract: Arrangements for multi-channel communication validation are provided. In some examples, an indication of initiation of a communication session may be received. The communication session may be initiated by a first party via a first communication channel. In response to the indication, one or more validation actions may be generated and sent to a user device associated with a second party or recipient of the communication session via a second, different communication channel. The second party may acknowledge the validation action and a call completion action may be generated and transmitted to a computing device of the first party. The call completion action may include enabling a connection of the communication session between the first party and the second party if the second party has accepted the call, or may terminate the communication session if the second party has rejected the call.

公开(公告)号：US20250021632A1

公开(公告)日：2025-01-16

申请号：US18222021

申请日：2023-07-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Maharaj Mukherjee

IPC: G06F21/31 ,  G06F21/60

Abstract: A system is provided for secure cross partition access and computing device recovery. In particular, the system may comprise a computing device that includes a non-transitory memory or storage device comprising one or more partitions. A user may attempt to log into the device and get locked out of the primary partition of the device after a threshold number of unsuccessful login attempts. The additional partitions of the computing device may store a portion of the authentication credential needed to access the primary partition and prompt the user using an item from the user data stored in a user-specific database. Upon detecting that the user has successfully accessed a threshold number of partitions and/or successfully provided responses to the prompts from a threshold number of partitions, the system may unlock and grant access to the locked partitions.

公开(公告)号：US12177214B2

公开(公告)日：2024-12-24

申请号：US17736745

申请日：2022-05-04

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Edward Lee Traywick

IPC: H04L9/40 ,  G06F21/62

Abstract: Systems, computer program products, and methods are described herein for a data obfuscation authentication security display session. The invention provides a secondary authentication by recognizing the initial access to a display screen and overlaying and presenting false information on the screen. The false screen may mimic that of a real account screen, but the personal information about the user is false. The invention then requires the user to perform a secondary authentication to gain access information on the display session that is not false. The invention may allow for a duress code implementation in place of the secondary authentication, which initiates security protocols, include a continuum based protocol arrangement of security protocols.

公开(公告)号：US12107925B2

公开(公告)日：2024-10-01

申请号：US17352094

申请日：2021-06-18

Applicant: Bank of America Corporation

Inventor： Dustin Paul Stocks ,  Jinna Zevulun Kim ,  Robert Nyeland Huggins ,  Pratap Dande ,  George Anthony Albero

IPC: H04L67/141 ,  G06K7/14 ,  H04L67/146

CPC classification number: H04L67/141 ,  G06K7/1417 ,  H04L67/146

Abstract: A system is provided including a host processor, a plurality of service processors, a universal processor associated with the host processor and capable of exchanging data with each service processor, a first user device of the first user and a second user device of a second user. The universal processor receives a request from the first user device for a data transaction between the host processor and a service processor, and in response generates a code that can be interpreted by the service processor. Universal processor transmits the code to the first user device, which transmits the code to the second user device. The second user device transmits the code to the service processor. The service processor decodes the code and requests the universal processor to perform the data transaction with the host processor. In response, the universal processor sets up the data transaction.

公开(公告)号：US20240275815A1

公开(公告)日：2024-08-15

申请号：US18109431

申请日：2023-02-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Edward Lee Traywick ,  Maharaj Mukherjee ,  Benjamin Moores

IPC: H04L9/40 ,  G06N20/00

CPC classification number: H04L63/1491 ,  G06N20/00 ,  H04L63/102

Abstract: Systems, computer program products, and methods are described herein for activating a decoy resource based on duress triggers in an electronic network. The present invention is configured to receive a resource distribution request, wherein the resource distribution request comprises a resource account identifier; determine a verified unique identifier sequence associated with the resource account identifier; receive an unverified unique identifier sequence associated with the resource distribution request; compare the unverified unique identifier sequence with the verified unique identifier sequence; and determine, based on the comparison of the unverified unique identifier sequence with the verified unique identifier sequence, a duress trigger; and activate, in an instance where the duress trigger is positive, a decoy resource container, wherein the decoy resource container comprises at least one decoy resource.

公开(公告)号：US20240160704A1

公开(公告)日：2024-05-16

申请号：US17988363

申请日：2022-11-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Maharaj Mukherjee

IPC: G06F21/16 ,  G06F21/31 ,  G06F21/64

CPC classification number: G06F21/16 ,  G06F21/31 ,  G06F21/64

Abstract: Authentication/verification of sub-environments that represent entities within an augmented/virtual reality computing network and virtual objects present in the sub-environment that represent individuals associated with the entity. In response to authentication, a sensory-perceptible indicator (e.g., visual, audible or haptic indicators) is presented to users of the virtual reality computing environment that notify the user that the entity or virtual objects representing the entity have been authenticated. Authentication may be performed via watermarks embedded in images present within the sub-environment, capturing and comparing physical characteristics of an authorized individual representing the entity, cryptographic frequency hopping and/or electromagnetic signatures.

公开(公告)号：US20240073026A1

公开(公告)日：2024-02-29

申请号：US17894779

申请日：2022-08-24

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Maharaj Mukherjee ,  Olivia Riley Sommer ,  Elijah Clark

IPC: H04L9/32 ,  H04L9/40

CPC classification number: H04L9/3239 ,  H04L63/0428

Abstract: A system is provided for partitioning digital resources using a networked resource platform. In particular, the system may generate digital resources using a customized set of executable code such that each digital resource may comprise one or more digital resource partitions. Each digital resource share may be associated with a cryptographic address. Upon receiving a request from a user to transfer the digital resource partitions, the system may execute various validation checks on the cryptographic address and the digital resource before executing the transfer. In this way, the system provides an efficient way to partition and transfer digital resources.

公开(公告)号：US20240022559A1

公开(公告)日：2024-01-18

申请号：US17866884

申请日：2022-07-18

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero

IPC: H04L9/40

CPC classification number: H04L63/083 ,  H04L63/0807 ,  H04L2463/121 ,  H04L2463/082

Abstract: Embodiments of the present invention provide a system for generating a real-time audio token for multi-factor audio authentication. The system is configured for determining that a user is accessing an entity resource, via a user device of the user, causing a cryptographic device associated with the user to generate and emit a dynamically varying continuous audio tone, performing authentication of the user based at least in part on the dynamically varying continuous audio tone, determining that the authentication based at least in part on the dynamically varying continuous audio tone is successful, and allowing the user to access the entity resource based on determining that the authentication based at least in part on the dynamically varying continuous audio tone is successful.