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    COLOR-CHANGING SMART CARD
    1.
    发明申请
    COLOR-CHANGING SMART CARD 有权

    公开(公告)号：US20240403851A1

    公开(公告)日：2024-12-05

    申请号：US18203114

    申请日：2023-05-30

    Applicant: Bank of America Corporation

    Inventor： Abhijit Behera ,  Maneesh Kumar Sethia ,  Nandini Rathaur ,  Sandeep Kumar Chauhan ,  Shailendra Singh ,  Gowri Sundar Suriyanarayanan

    IPC: G06Q20/20 ,  G06K7/10 ,  G06K19/07 ,  G06K19/077

    Abstract: A color-changing smart card may be provided. The smart card may include a first layer encasing at least a front of the smart card. The smart card may include a smart chip on the front of the smart card. The smart chip may be configured for transmitting and receiving electronic communications to and from a point of sale (“POS”) device. The smart card may include microcapsules residing on a second layer of the smart card. When the microcapsules are in a rest state the first layer may have a first color. When the microcapsules are in an active state the first layer may have a second color. The microcapsules may be triggered to change the color in response to the smart chip receiving an electronic communication of a status of a transaction initiated by the smart card at the POS device.

    Intelligent agent
    4.
    发明授权
    Intelligent agent 有权

    公开(公告)号：US11775848B2

    公开(公告)日：2023-10-03

    申请号：US17838958

    申请日：2022-06-13

    Applicant: Bank of America Corporation

    Inventor： Sandeep Kumar Chauhan ,  Sneha Padiyar ,  Nandini Rathaur

    IPC: G06F15/16 ,  G06N5/04 ,  G06N20/00 ,  G06F16/25

    CPC classification number: G06N5/04 ,  G06F16/252 ,  G06N20/00

    Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.

    Queue management for pre-staged transactions at ultra-wide enabled ATMs
    7.
    发明授权
    Queue management for pre-staged transactions at ultra-wide enabled ATMs 有权

    公开(公告)号：US12230110B2

    公开(公告)日：2025-02-18

    申请号：US17369120

    申请日：2021-07-07

    Applicant: Bank of America Corporation

    Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram ,  Nandini Rathaur ,  Puneetha Polasa ,  Vibhu Srivastava

    IPC: G07F19/00 ,  H04W4/029 ,  H04W4/38

    Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

    Multicomputer system providing voice enabled event processing
    8.
    发明授权
    Multicomputer system providing voice enabled event processing 有权

    公开(公告)号：US12142268B2

    公开(公告)日：2024-11-12

    申请号：US17350394

    申请日：2021-06-17

    Applicant: Bank of America Corporation

    Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram ,  Nandini Rathaur ,  Vibhu Srivastava ,  Puneetha Polasa

    IPC: G07F19/00 ,  G06F3/16 ,  G06F21/31 ,  G06Q20/18 ,  G10L15/18 ,  G10L15/22 ,  G10L15/30

    Abstract: Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).

    CHECK EXCEPTION PROCESSING IN THE METAVERSE
    10.
    发明公开
    CHECK EXCEPTION PROCESSING IN THE METAVERSE 审中-公开

    公开(公告)号：US20240037514A1

    公开(公告)日：2024-02-01

    申请号：US17878183

    申请日：2022-08-01

    Applicant: Bank of America Corporation

    Inventor： Sneha Padiyar ,  Sandeep Kumar Chauhan ,  Nandini Rathaur ,  Aditya Sharma

    IPC: G06Q20/04 ,  G06Q20/38

    CPC classification number: G06Q20/042 ,  G06Q20/384 ,  G06Q20/3825

    Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

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