公开(公告)号：US20240357347A1

公开(公告)日：2024-10-24

申请号：US18136681

申请日：2023-04-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Verma ,  Nandini Rathaur ,  Pavan Chayanam ,  Srinivas Dundigalla

IPC: H04W12/06 ,  H04W12/50

CPC classification number: H04W12/06 ,  H04W12/50

Abstract: Systems, computer program products, and methods are described herein for electronic resource transfers in a distributed network via network-paired resource transfer devices. The present invention is configured to receive login credentials from a user via a user interface of an endpoint device to access an account, determine, in response to a prompt by the user, at least one network device on a wireless network, wherein the at least one network device may include a resource transfer device, display the resource transfer device on the user interface, receive a selection of the resource transfer device via the user interface, activate a user characteristic authentication feature of the resource transfer device, and receive a signal of an authenticated user characteristic from the resource transfer device.

公开(公告)号：US11933986B2

公开(公告)日：2024-03-19

申请号：US17692283

申请日：2022-03-11

Applicant: Bank of America Corporation

Inventor： Sandeep Verma ,  Nandini Rathaur ,  Pavan Chayanam ,  Srinivas Dundigalla

IPC: G02B27/01 ,  G06T11/60 ,  G06T19/00 ,  G06V30/18

CPC classification number: G02B27/0172 ,  G06T11/60 ,  G06T19/006 ,  G06V30/18019 ,  G02B2027/0141 ,  G02B2027/0178

Abstract: Apparatus and methods are provided for extracting and displaying information and data from a stream of information on a pair of smart glasses. One or more content filters describing the desired information and data may be communicated to a content filtering module. The content filtering module may process the stream of information to search for the desired information and data. When the desired information is found within the stream of information, the content filtering module may highlight the desired information, while blurring all other information, within a display on the pair of smart glasses.

公开(公告)号：US11797716B2

公开(公告)日：2023-10-24

申请号：US17409972

申请日：2021-08-24

Applicant: Bank of America Corporation

Inventor： Sandeep Verma ,  Pavan Chayanam ,  Srinivas Dundigalla

IPC: G06F3/04883 ,  G06F21/84 ,  H04W12/033 ,  H04W12/041 ,  H04W12/0431 ,  G06Q20/32 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/20

CPC classification number: G06F21/84 ,  G06F3/04883 ,  H04W12/033 ,  H04W12/041 ,  H04W12/0431 ,  G06Q20/1085 ,  G06Q20/206 ,  G06Q20/321 ,  G06Q20/327 ,  G06Q20/3221 ,  G06Q20/3829

Abstract: Apparatus and methods for unlocking a communication terminal. The methods may include: at the communication terminal, receiving from eye wear of a user, a radio frequency (“RF”) signal that includes a public code. The methods may include: at the communication terminal, receiving from eye wear a request for text that is encrypted using the public code. The methods may include: responsive to the request, transmitting to the communication terminal encrypted text based on the public code. The methods may include displaying on the communication terminal the encrypted text. The methods may include detecting at the terminal, without displaying a decryption of the encrypted text, a user gesture based on the encrypted text. The methods may include providing to the user a private code corresponding to the public code. The private code may be configured to reside in machine readable memory on the eye wear.

公开(公告)号：US20220019985A1

公开(公告)日：2022-01-20

申请号：US16933031

申请日：2020-07-20

Applicant: Bank of America Corporation

Inventor： Srinivas Dundigalla ,  Saurabh Mehta ,  Pavan K. Chayanam

IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q40/02 ,  G10L13/00 ,  G06F3/16 ,  G10L15/06 ,  G10L15/18 ,  G10L15/22

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

公开(公告)号：US12253678B2

公开(公告)日：2025-03-18

申请号：US18437301

申请日：2024-02-09

Applicant: Bank of America Corporation

Inventor： Sandeep Verma ,  Nandini Rathaur ,  Pavan Chayanam ,  Srinivas Dundigalla

IPC: G02B27/01 ,  G06T11/60 ,  G06T19/00 ,  G06V30/18

Abstract: Apparatus and methods are provided for extracting and displaying information and data from a stream of information on a pair of smart glasses. One or more content filters describing the desired information and data may be communicated to a content filtering module. The content filtering module may process the stream of information to search for the desired information and data. When the desired information is found within the stream of information, the content filtering module may highlight the desired information, while blurring all other information, within a display on the pair of smart glasses.

公开(公告)号：US11741444B2

公开(公告)日：2023-08-29

申请号：US16933031

申请日：2020-07-20

Applicant: Bank of America Corporation

Inventor： Srinivas Dundigalla ,  Saurabh Mehta ,  Pavan K. Chayanam

IPC: G06Q20/10 ,  G06F3/16 ,  G10L13/00 ,  G10L15/18 ,  G06Q20/40 ,  G10L15/06 ,  G10L15/22 ,  G06Q40/03

CPC classification number: G06Q20/108 ,  G06F3/167 ,  G06Q20/401 ,  G06Q40/03 ,  G10L13/00 ,  G10L15/063 ,  G10L15/1815 ,  G10L15/22 ,  G10L2015/223

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

公开(公告)号：US20220358928A1

公开(公告)日：2022-11-10

申请号：US17874542

申请日：2022-07-27

Applicant: Bank of America Corporation

Inventor： Srinivas Dundigalla ,  Pavan Chayanam ,  Saurabh Mehta

IPC: G10L15/22 ,  G06F9/451 ,  G06Q20/10 ,  G10L13/00 ,  G06F3/16 ,  G10L15/18

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may receive user interaction information corresponding to interactions between a user and enterprise computing devices. Based on the user interaction information, the computing platform may identify predicted intents for the user, and may generate hotkey information based on the predicted intents. The computing platform may send the hotkey information and commands directing the mobile device to output the hotkey information. The computing platform may receive hotkey input information from the mobile device. Based on the hotkey input information, the computing platform may generate a hotkey response message. The computing platform may send, to the mobile device, the hotkey response message and commands directing the mobile device to convert the hotkey response message to an audio output and to output the audio output.

公开(公告)号：US20220157323A1

公开(公告)日：2022-05-19

申请号：US17098652

申请日：2020-11-16

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Verma ,  Pavan Chayanam ,  Srinivas Dundigalla ,  Nandini Rathaur ,  Rama Yannam

IPC: G10L17/10 ,  G06N20/00 ,  G06F9/451 ,  G10L17/04

Abstract: Embodiments of the present invention provide systems and methods for using machine learning to analyze and infer the contextual significance of a conversational language in order to proactively engage with one or more users in a familiar manner via a virtual voice assistant. As such, the systems and methods reduce redundancy of process steps for the user in accessing relevant information or initiating certain resource activities via disparate channels of communication by creating a continuity of conversational tone and substance.

公开(公告)号：US20220058906A1

公开(公告)日：2022-02-24

申请号：US16999973

申请日：2020-08-21

Applicant: BANK OF AMERICA CORPORATION

Inventor： Srinivas Dundigalla ,  Mohan Rao Balan ,  Pavan Kumar Chayanam ,  Varsha Devadas ,  Tony England ,  Hari Gopalkrishnan ,  Brandon Kozlowski ,  Kurt A. Loth ,  Navdeep Mahajan ,  Carl Parziale ,  Rupal V. Shah ,  Manoj Shankar ,  David Smiddy ,  Cory Scott Turco ,  Robert L. Wright, JR. ,  Xianhong Zhang ,  Pavan Singaraju

IPC: G07D11/60 ,  H04W4/80 ,  H04L29/08 ,  H04W12/06 ,  G06Q30/00 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/22 ,  G06K7/10 ,  G07D11/22

Abstract: Contactless dispensing of objects from object-dispensing machines. A digital token is wirelessly communicated to the machine via short-range wireless communication, such as Near Field Communication (NFC) or the like. In response, a push notification is communicated to the user's wireless device, which includes an activatable link for launching a mobile application. In response to launching the mobile application and authenticating the user, the mobile application provides object-dispensing machine-like user interfaces that are configured to allow the user to input object requesting parameters and submit a request for objects to be dispensed from the object-dispensing machine. The request is communicated to the object-dispensing machines (or corresponding backend processing systems) and, once the request is verified, the object-dispensing machine dispenses the requested objects.

公开(公告)号：US20250126112A1

公开(公告)日：2025-04-17

申请号：US18380322

申请日：2023-10-16

Applicant: Bank of America Corporation

Inventor： Sandeep Verma ,  Nandini Rathaur ,  Pavan K. Chayanam ,  Srinivas Dundigalla

IPC: H04L9/40 ,  H04M3/51

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a computing device may receive and store a valid telephone number associated with an enterprise organization IVR system and an enterprise organization application programming interface (API) access key. A request to initiate a communication session with the IVR system may be received and the request may include a telephone number. If the telephone number matches the valid telephone number, an API call to the enterprise organization may be made and a one-time passcode (OTP) may be received. The telephone number may be appended to include the OTP as a suffix and the communication session with the IVR system may be initiated. The IVR system may extract the OTP and validate the OTP. If the OTP is validated, the communication session may be initiated as a pre-authenticated call.