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公开(公告)号：US12169837B2
公开(公告)日：2024-12-17
申请号：US17507126
申请日：2021-10-21
Applicant: Bank of America Corporation
Inventor： Udaya Kumar Raju Ratnakaram , Puneetha Polasa , Sandeep Kumar Chauhan , Bhagya Lakshmi Sudha Lavanya Mallidi , Prashanthi Jambula , Shravan Kumar Kondoju
Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.
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公开(公告)号：US20240129302A1
公开(公告)日：2024-04-18
申请号：US18047431
申请日：2022-10-18
Applicant: Bank of America Corporation
Inventor： Shailendra Singh , Saurabh Arora , Sandeep Chauhan , Puneetha Polasa
IPC: H04L9/40
CPC classification number: H04L63/0853
Abstract: An apparatus for using a validated card in a virtual environment comprises a processor associated with a server. The processor is configured to receive a request to conduct an interaction between a first avatar and an entity in a virtual environment. The processor is further configured to receive card information and device information from an unknown user device. The processor is further configured to verify that the unknown user device is a first user device. The processor is further configured to receive virtual session information that is associated with a virtual environment session. The processor is further configured to determine if the request to conduct the interaction occurred in the same virtual environment session as the reception of the card information. The processor is further configured to conduct the interaction between the first avatar and the entity with the received card information.
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3.发明公开公开(公告)号：US20230306428A1
公开(公告)日：2023-09-28
申请号：US17703010
申请日：2022-03-24
Applicant: Bank of America Corporation
Inventor： Udaya Kumar Raju Ratnakaram , Bhagya Lakshmi Sudha Lavanya Mallidi , Puneetha Polasa , Sandeep Kumar Chauhan
CPC classification number: G06Q20/40145 , G06V40/172
Abstract: Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.
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公开(公告)号：US11704669B1
公开(公告)日：2023-07-18
申请号：US17567232
申请日：2022-01-03
Applicant: Bank of America Corporation
Inventor： Udaya Kumar Raju Ratnakaram , Puneetha Polasa
CPC classification number: G06Q20/4015
Abstract: Arrangements for payment and recommendation control are provided. In some aspects, contextual data may be received from a user. For instance, data such as calendar data may be received and an event may be identified. Based on the event, a pre-authorized amount may be identified for payment associated with the event. The system may receive a request for payment and event details. The amount may be compared to the pre-authorized amount and, if more than the pre-authorized amount, a request for payment authorization may be transmitted to a user device. If the amount is not more than the pre-authorized amount, expected location data of the user may be received and current location data of the user may be requested from a user device. The location data may be compared and, if the locations match, the payment may be authorized and automatically processed.
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5.发明申请公开(公告)号：US20220012326A1
公开(公告)日：2022-01-13
申请号：US16925287
申请日：2020-07-09
Applicant: BANK OF AMERICA CORPORATION
Inventor： Udaya Kumar Raju Ratnakaram , Puneetha Polasa
IPC: G06F21/44 , G06F21/57 , G06F16/903 , H04L29/06 , G06F9/54
Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authentication of user activities based on establishing communication links between network devices. The invention is structured for dynamically authenticating transmitted activity processing data based on establishing seamless electronic communication handshake between network devices and without requiring user intervention. Specifically, the invention is structured to establish an operative communication link between the second networked device and the user device, wherein establishing the operative communication link comprises establishing a handshake between an entity intelligent platform associated with the second networked device and the multi-channel cognitive resource platform of the user device. Moreover, the invention is structured to authenticate the first activity for based on the identified code match.
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Patent Agency Ranking
公开(公告)号：US12289307B2
公开(公告)日：2025-04-29
申请号：US18047431
申请日：2022-10-18
Applicant: Bank of America Corporation
Inventor： Shailendra Singh , Saurabh Arora , Sandeep Chauhan , Puneetha Polasa
IPC: H04L9/40
Abstract: An apparatus for using a validated card in a virtual environment comprises a processor associated with a server. The processor is configured to receive a request to conduct an interaction between a first avatar and an entity in a virtual environment. The processor is further configured to receive card information and device information from an unknown user device. The processor is further configured to verify that the unknown user device is a first user device. The processor is further configured to receive virtual session information that is associated with a virtual environment session. The processor is further configured to determine if the request to conduct the interaction occurred in the same virtual environment session as the reception of the card information. The processor is further configured to conduct the interaction between the first avatar and the entity with the received card information.
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公开(公告)号：US12164610B2
公开(公告)日：2024-12-10
申请号：US17873914
申请日：2022-07-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Puneetha Polasa , Saurabh Arora , Sandeep Kumar Chauhan , Bhagya Lakshmi Sudha Lavanya Mallidi
Abstract: Embodiments of the present invention provide a system for interconnection, translation, and transition between disparate digital ecosystems. The system is configured for determining that a user is requesting to access a first digital ecosystem, receiving a first authentication credentials of the user from the first digital ecosystem for verification, determining that the verification of the first authentication credentials is successful and provide access to the first digital ecosystem, determining that the user is requesting transition to a second digital ecosystem from the first digital ecosystem, receiving second authentication credentials of the user from the second digital ecosystem for verification, determining that the verification of the second authentication credentials is successful and provide access to the second digital ecosystem, and preparing and transmitting a data payload to the second digital ecosystem.
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公开(公告)号：US20240314122A1
公开(公告)日：2024-09-19
申请号：US18675004
申请日：2024-05-27
Applicant: BANK OF AMERICA CORPORATION
Inventor： Puneetha Polasa , Sandeep Kumar Chauhan , Bhagya Lakshmi Sudha Lavanya Mallidi , Udaya Kumar Raju Ratnakaram
IPC: H04L9/40
CPC classification number: H04L63/0861 , H04L63/102 , H04L63/126
Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.
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9.发明授权公开(公告)号：US12073376B2
公开(公告)日：2024-08-27
申请号：US17828606
申请日：2022-05-31
Applicant: Bank of America Corporation
Inventor： Puneetha Polasa , Bhagya Lakshmi Sudha Lavanya Mallidi , Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram
IPC: G06Q20/32
CPC classification number: G06Q20/325 , G06Q20/3224
Abstract: Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.
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10.发明授权公开(公告)号：US12045822B2
公开(公告)日：2024-07-23
申请号：US17703010
申请日：2022-03-24
Applicant: Bank of America Corporation
Inventor： Udaya Kumar Raju Ratnakaram , Bhagya Lakshmi Sudha Lavanya Mallidi , Puneetha Polasa , Sandeep Kumar Chauhan
CPC classification number: G06Q20/40145 , G06V40/172
Abstract: Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.
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