公开(公告)号：US20240370304A1

公开(公告)日：2024-11-07

申请号：US18141831

申请日：2023-05-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Olga Kocharyan ,  Elizabeth Rhodes Kral

IPC: G06F9/50 ,  H04L9/40

Abstract: Tracking digital resources used in resource exchange events conducted in virtual reality computing environments. Digital resources used in resource exchange events conducted in virtual reality computing environments are tagged with data that at least identifies the location of the resource exchange event in terms of virtual reality computing environment and/or sub-environments. In response, machine-learning algorithm(s) are implemented that analyze the tags to determine resource exchange event movement patterns for specific digital resources. The resource exchange event movement patterns may include digital resource movement across multiple different virtual computing environments.

公开(公告)号：US20230396610A1

公开(公告)日：2023-12-07

申请号：US17830673

申请日：2022-06-02

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anna Kristen Pingel Berry ,  Shweta Ambulkar ,  Benjamin Daniel Hardman ,  Angela Ianni ,  Olga Kocharyan ,  Luqman Sharief ,  Michael Wm. Whitaker

IPC: H04L9/40

CPC classification number: H04L63/0853

Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.

公开(公告)号：US20240364673A1

公开(公告)日：2024-10-31

申请号：US18138798

申请日：2023-04-25

Applicant: BANK OF AMERICA CORPORATION

Inventor： George Anthony Albero ,  Olga Kocharyan ,  Elizabeth Rhodes Kral

IPC: H04L9/40 ,  H04L67/131

CPC classification number: H04L63/08 ,  H04L67/131

Abstract: Reverse authentication of (i) virtual objects (e.g., avatars or the like) located in or proximate to sub-environments of virtual reality computing environments and, in some embodiments, (ii) the sub-environments themselves. The virtual object is authenticated as being associated with an individual/associate of the entity in control of the sub-environment and/or the sub-environment is authenticated as being associated with/controlled by the entity and, in response, a sensory-perceptible indicator (e.g., audible, visual, haptic indicator) is obtained/generated, which is communicated to a user device that outputs the sensory-perceptible indicator to notify the virtual reality user that the virtual object and/or sub-environment has been authenticated. Communication of the sensory-perceptible indicator and/or output of the sensory-perceptible indicator on the user device may be external to the virtual reality computing environment and, as such, may be communicated to and/or outputted on a user device different than the user device on which the virtual reality experience occurs.

公开(公告)号：US20240314127A1

公开(公告)日：2024-09-19

申请号：US18123063

申请日：2023-03-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anna Kristen Pingel Berry ,  Olga Kocharyan ,  Ravi Joshi ,  Luqman Sharief ,  Michael Wm. Whitaker ,  Benjamin Daniel Hardman ,  Shweta Ambulkar ,  Angela Ianni

IPC: H04L9/40

CPC classification number: H04L63/0884

Abstract: Systems, computer program products, and methods are described herein for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network. The present disclosure is configured to identify a pre-determined sequence associated with a user account; identify a plurality of valid authentication credentials associated with the user account; generate a multi-component authentication graphical user interface, wherein the multi-component authentication graphical user interface comprises a plurality of input locations; receive a first authentication credential at a first unverified location of the plurality of input locations; determine whether the first authentication credential is valid; receive a second authentication credential at a second unverified location of the plurality of input locations; determine whether the second authentication credential is valid; and allow, in an instance where the first authentication credential is valid and the second authentication credential is valid, access to the user account.

公开(公告)号：US11966709B2

公开(公告)日：2024-04-23

申请号：US17232337

申请日：2021-04-16

Applicant: Bank of America Corporation

Inventor： George Albero ,  Olga Kocharyan

IPC: G06F40/30 ,  G06F16/951 ,  G06F40/284 ,  G06F40/49

CPC classification number: G06F40/49 ,  G06F16/951 ,  G06F40/284

Abstract: Apparatus and methods to decipher and analyze hidden/figurative meanings in communications using contextual analysis are provided. The apparatus and methods may include generating an initial list of slang words and phrases and their corresponding hidden/figurative meanings, searching the Internet for new slang words and phrases, determining the corresponding hidden/figurative meanings of the new slang words and phrases, and contextually analyzing a set of communications for hidden/figurative meaning. The apparatus and methods may include generating an alert if a relevant hidden/figurative meaning is found in the set of communications.

公开(公告)号：US20240106649A1

公开(公告)日：2024-03-28

申请号：US17953028

申请日：2022-09-26

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anna Kristen Pingel Berry ,  Shweta Ambulkar ,  Benjamin Daniel Hardman ,  Angela Ianni ,  Ravi Joshi ,  Olga Kocharyan ,  Luqman Sharief ,  Michael Wm. Whitaker

IPC: H04L9/32

CPC classification number: H04L9/3213 ,  H04L9/3226 ,  H04L9/3236

Abstract: Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials. In response, the user is authenticated based at least on the user credentials that formed the basis for the authentication NFT(s).

公开(公告)号：US20230403247A1

公开(公告)日：2023-12-14

申请号：US17838978

申请日：2022-06-13

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anna Kristen Pingel Berry ,  Shweta Ambulkar ,  Benjamin Daniel Hardman ,  Angela Ianni ,  Olga Kocharyan ,  Luqman Sharief ,  Michael Wm. Whitaker

IPC: H04L51/212 ,  H04L51/08 ,  H04L51/42 ,  H04L9/40

CPC classification number: H04L51/212 ,  H04L51/08 ,  H04L51/42 ,  H04L63/1408 ,  H04L63/1441

Abstract: Implementing artificial intelligence, specifically, machine learning techniques to identify malicious emails and, in response, identifying and conducting actions, including reporting the malicious emails to identified internal and/or external entities and preventing the malicious emails from being delivered to email client mailboxes. The machine learning techniques rely on malicious email patterns identified, at least, from previously identified malicious emails and data resulting from continuously crawling the Web and threat intelligence sources. Further, the email clients may be configured to include an add-on feature in which the user can provide a single input to report the email as being suspicious, which results in further analysis to determine whether the email is, in fact, a malicious email.

公开(公告)号：US11381591B2

公开(公告)日：2022-07-05

申请号：US16775526

申请日：2020-01-29

Applicant: Bank of America Corporation

Inventor： Stephen C. Brown ,  John Scott Alston ,  Olga Kocharyan ,  George Albero ,  Edward Lee Traywick ,  Keaton Drake ,  Cody Searl

IPC: G06F11/00 ,  G06F12/14 ,  G06F12/16 ,  H04L9/40 ,  H04L41/22 ,  H04L67/1097

Abstract: Aspects of the disclosure relate to information security by identifying unique or related factors in common between individuals subject to a common threat vector. Data mining and data acquisition of public and non-public user information is performed to prevent, disrupt, and/or address criminal, cyber, and fraudulent threats. The information can be normalized into template(s) to align information across disparate datasets and enable efficient storage of the big data into appropriate fields to be tracked. The information can be stored in data warehouse(s) or in multidimensional data structure(s) for investigation if a threat vector against a group of individuals is detected. The multidimensional data can be analyzed to identify direct connections, common connecting entities, and/or connectivity clusters between individuals who were attacked or who may be attacked in the future. Remediation, machine learning, enhanced security, and/or vulnerability assessments may be implemented based on the results of the analysis.

公开(公告)号：US20240414155A1

公开(公告)日：2024-12-12

申请号：US18604577

申请日：2024-03-14

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anna Kristen Pingel Berry ,  Shweta Ambulkar ,  Benjamin Daniel Hardman ,  Angela Ianni ,  Olga Kocharyan ,  Luqman Sharief ,  Michael Wm. Whitaker

IPC: H04L9/40

Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.

公开(公告)号：US20240378280A1

公开(公告)日：2024-11-14

申请号：US18195707

申请日：2023-05-10

Applicant: BANK OF AMERICA CORPORATION

Inventor： Stephen Brown ,  George Anthony Albero ,  Winsome Donaldson ,  Olga Kocharyan ,  Elizabeth Rhodes Kral

IPC: G06F21/44 ,  G06F21/32

Abstract: Systems, methods, and computer program products are provided herein for continual device authentication in virtual environments. An example method includes receiving a request for authentication of a first user device associated with a first user where the first user device is associated with a virtual reality environment for the first user. The method further includes receiving authentication credentials associated with the first user and authenticating the first user device for accessing the virtual reality environment based on the authentication credentials. The received authentication credentials may include one or more unique device identifiers associated with the first user device. The method may further include causing presentation of a plurality of virtual input objects in the virtual reality environment and receiving one or more user inputs via the plurality of virtual input objects in the virtual reality environment for determining the authentication credentials associated with the first user.