公开(公告)号：US20250039170A1

公开(公告)日：2025-01-30

申请号：US18225200

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: H04L9/40

Abstract: Apparatus and methods to verify human interaction through an encrypted channel are provided. A human verification program may create an encrypted channel between two or more devices when a communication between users of the devices is started. Data may be transferred over the encrypted channel when a user performs a verifiably human action. The data may be analyzed to determine whether the user is more likely than not a bot. The channel may be collapsed when a pre-determined condition is satisfied.

公开(公告)号：US20240169037A1

公开(公告)日：2024-05-23

申请号：US18057984

申请日：2022-11-22

Applicant: Bank of America Corporation

Inventor： Victoria Lynn Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: G06F21/31 ,  G06F3/04815 ,  G06T13/40 ,  H04L67/306

CPC classification number: G06F21/31 ,  G06F3/04815 ,  G06T13/40 ,  H04L67/306

Abstract: A system includes a memory and a processor coupled to the memory. The processor receives a user credential associated with a user and authorizes an avatar of the user to enter a virtual environment. The processor monitors a plurality of data interactions associated with the first user that are performed in the virtual environment, records information relating to a set of parameters that correspond to a first user profile associated with the first user and determines a first confidence indicator for the first user relating to the first user profile. The processor receives a request from a second user for the first confidence indicator, obtains the first confidence indicator and transmits the obtained first confidence indictor to a user device of the second user.

公开(公告)号：US20250030701A1

公开(公告)日：2025-01-23

申请号：US18222557

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Michael Young ,  Vinesh Patel

IPC: H04L9/40 ,  G06N3/006

Abstract: A method for securing communications received at an automated chatbot within an entity network is provided. The method may enable securing the communications by monitoring inputs received at the automated chatbot in order to identify whether there may be a probability that the input is generated by an artificial intelligence (“AI”) program. The method may include receiving a request to initiate a chat session at the automated chatbot. Each input received at the automated chatbot may be simultaneously retrieved by a processor associated with the chatbot for verifying. Each input may be analyzed by an AI auditor application in comparison to trained data stored in an AI model. The trained data may include characteristics that may be associated with input generated by the AI program. When any inputs correspond to the trained data, the AI auditor may pause the chat session at the automated chatbot and/or terminate the chat session.

公开(公告)号：US20250028704A1

公开(公告)日：2025-01-23

申请号：US18224140

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F16/23 ,  G16H20/70

Abstract: Systems and methods for an artificial intelligence-based auditor of artificial intelligence may be provided. The artificial-intelligence-based auditor may operate on one or more hardware processors. The artificial intelligence-based auditor may continually scan one or more operating artificial intelligence systems for productivity and operability. The scan may identify a data source powering the one or more operating artificial intelligence systems. The scan may measure a delta between an output from each of the one or more operating artificial intelligence systems. The scan may identify trends in quality of the one or more operating artificial intelligence systems. The scan may analyze instances where the one or more operating artificial intelligence systems outputted data outside of a parameter range. Based on the scan, the auditor may label each of the one or more operating artificial intelligence systems as positive, neutral or negative.

公开(公告)号：US20250036754A1

公开(公告)日：2025-01-30

申请号：US18225210

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Young Patel ,  Michael Young

IPC: G06F21/55

Abstract: Apparatus and methods for an artificial intelligence implemented termination by an auditor artificial intelligence (“aAI”) of a malicious artificial intelligence (“mAI”) are provided. The aAI may detect a mAI on a network and determine which data the mAI can access on the network. The aAI may then degrade all or part of the data in various ways to prevent the mAI from producing valid content based on the data. The aAI may also create code and inject the code into the mAI to degrade the mAI's operations. As the mAI may rely on valid data to produce valid output, degrading the data may degrade the mAI.

公开(公告)号：US20240171413A1

公开(公告)日：2024-05-23

申请号：US18057920

申请日：2022-11-22

Applicant: Bank of America Corporation

Inventor： Victoria Lynn Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: H04L9/00 ,  H04L9/32

CPC classification number: H04L9/50 ,  H04L9/3213 ,  H04L9/3273

Abstract: A system includes a memory and a processor coupled to the memory. The processor receives a first user credential associated with a first user and authorizes a first avatar of the first user to enter a virtual environment. The processor receives a first request from the first user to receive virtual data objects for at least one target entity and, in response, generates a virtual sub-environment within the virtual environment. The processor authorizes a second user to access the virtual sub-environment and receives a set of conditions from the second user relating to how a first set of virtual data objects is to be distributed to the at least one target entity. The processor receives and transfers the first set of virtual data objects to the at least one target entity based on the set of conditions.

公开(公告)号：US20240031153A1

公开(公告)日：2024-01-25

申请号：US17868229

申请日：2022-07-19

Applicant: BANK OF AMERICA CORPORATION

Inventor： Victoria L. Dravneek ,  Manu Jacob Kurian ,  Ana Maxim

IPC: H04L9/32

CPC classification number: H04L9/3213

Abstract: Systems, computer program products, and methods are described herein for token thread authentication system for physical space access. The present invention is configured to extract and organize collected NFTs and tokens within a first plurality of threads in accordance with a set of chronological and authenticating parameters. The present invention is structured to interact with an entity network system to receive authenticating requirements, query stored tokens, and present a token thread for achieving authentication. The system is structured to verify the token thread authentication and to grant access to a location to a requesting user. The system is configured to generate and to present a display associated with the token thread authentication process.

公开(公告)号：US20250039149A1

公开(公告)日：2025-01-30

申请号：US18225763

申请日：2023-07-25

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Young Patel ,  Michael Young

IPC: H04L9/40

Abstract: A personal artificial intelligence (AI) system may be used to conduct business with one or more entities. The personal AI system may automatically replicate security rules from another AI system to provide initial security rules and may adjust the initial security rules based on information about the user to generate revised security rules. The rules adjustments may also be based on the entities with which the user does business. An AI firewall may be generated to control access to the personal AI system by a second AI system, with which business may be conducted. To permit interactions with the second AI system, the AI firewall may require that the second AI system provide the personal AI system with data relating to previous transactions between the user and the operator of the second AI system. The data may include the monetary amount of each of multiple recent transactions.

公开(公告)号：US20250028977A1

公开(公告)日：2025-01-23

申请号：US18224155

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06N5/022

Abstract: Systems and methods for an artificial intelligence-based auditor of artificial intelligence may be provided. The artificial-intelligence-based auditor may operate on one or more hardware processors. The artificial intelligence-based auditor may continually scan one or more operating artificial intelligence systems for productivity and operability. The scan may identify a data source powering the one or more operating artificial intelligence systems. The scan may measure a delta between an output from each of the one or more operating artificial intelligence systems. The scan may identify trends in quality of the one or more operating artificial intelligence systems. The scan may analyze instances where the one or more operating artificial intelligence systems outputted data outside of a parameter range. Based on the scan, the auditor may label each of the one or more operating artificial intelligence systems as positive, neutral or negative.

公开(公告)号：US20250028851A1

公开(公告)日：2025-01-23

申请号：US18222527

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F21/62

Abstract: Methods and system are provided for tuning an artificial intelligence (“AI”) system. The methods and system may include training the AI system to identify distinct users their distinct interactions. The training may include receiving datatsets related to a plurality of distinct users and their plurality of distinct interactions. The AI system may parse the datasets to arrive at a plurality of sets of distinct interactions performed by respective distinct users, each distinct interaction may be associated with a level of security clearance. The AI system may receive a request from a user to access information. The methods and system may include the AI system initiating a communication with the user. The communication may be compared with the each set of distinct interactions until a user and level of security can be identified. The AI system may prompt the user to access information on the level of security clearance identified.