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公开(公告)号：US12072965B2
公开(公告)日：2024-08-27
申请号：US18373230
申请日：2023-09-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Sai Kishan Alapati , Jeffrey Brian Bashore , Michael Joseph Carroll , Brian H. Corr , Andrew DongHo Kim , Holly J. Martinez , Aron Megyeri , Ronnie Joe Morris, Jr. , Elliot Piatetsky , Jennifer Quillen , Tracy R. Regehr , Dharmender Kumar Satija , Craig Douglas Widmann
IPC: G06F21/32 , G06V10/147 , G06V40/16 , H04L9/40 , H04N23/90
CPC classification number: G06F21/32 , G06V10/147 , G06V40/168 , G06V40/172 , H04L63/0861 , H04N23/90 , G06F2221/2111
Abstract: The present invention is generally related to systems and methods for providing an improved authentication and verification system through the use of compiled user data and user location or traffic data from multiple channels of input. Multiple devices may be utilized by the system in order to receive and process data to authenticate user identities and verify the validity of account activity.
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公开(公告)号：US20220321586A1
公开(公告)日：2022-10-06
申请号：US17222440
申请日：2021-04-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Jeffrey Brian Bashore , Michael Joseph Carroll , Christopher J. Cooley , Andrew DongHo Kim , Pavan Kumar Reddy Kotlo , Randy J. Nelson , Jennifer Quillen , Lizabeth Rosenberg , Dharmender Kumar Satija , James F. Stevens , Craig Douglas Widmann
IPC: H04L29/06
Abstract: Embodiments of the present invention provide an innovative system, method, and computer program product for automated device activity analysis in both a forward and reverse fashion. A collaborative system for receiving data and continuously analyzing the data to determine emerging patterns associated with particular user devices is provided. The system is also designed to generate a historical query of user device touch points or interaction points with entity systems across multiple data vectors, and generate system alerts as patterns or potential issues are identified. Common characteristics of data may be used to detect patterns that are broadened in scope and used in a generative neural network approach.
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公开(公告)号：US10855666B2
公开(公告)日：2020-12-01
申请号：US15995894
申请日：2018-06-01
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun
Abstract: The invention relates to providing alternate user communication based on user identification. A communication from a user may be received, and the communication may include an authentication credential from the user. When the user is determined to be an unauthorized user based on the authentication credential, the communication may be extended in order to capture more information from the unauthorized user, and to deter the unauthorized user from making other unauthorized access attempts. In addition to the extension of the communication with the unauthorized user, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.
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公开(公告)号：US20190372974A1
公开(公告)日：2019-12-05
申请号：US15995830
申请日：2018-06-01
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06
Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.
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公开(公告)号：US20190289025A1
公开(公告)日：2019-09-19
申请号：US15921395
申请日：2018-03-14
Applicant: BANK OF AMERICA CORPORATION
Inventor： Eren Kursun , Craig D. Widmann , Dharmender Kumar Satija , Andrew DongHo Kim , Shawn Parris Bench , Kolt Arthur Bell , Scott Anderson Sims
Abstract: The invention describes a system and method employing machine learning and artificial intelligence engines to monitor data streams in real-time across multiple channels in order to detect anomalies and generate prioritized alerts. In particular, the invention may continuously collect data across multiple channels. The obtained data may be compared with reference data to continuously update a confidence level associated with the user, channel, entity, or other identifying factor. Based on the confidence level, profile the user to detect any inconsistencies in the data collected over time and generate an alert to the user in question and potentially to other downstream users or entities. In this way, the invention not only provides a way to detect anomalies in a cross-channel fashion, but also creates a mechanism for feedback wherein the system may incorporate user feedback to resolve alerts and detected anomalies.
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Patent Agency Ranking
公开(公告)号：US11962617B2
公开(公告)日：2024-04-16
申请号：US17191377
申请日：2021-03-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Michael Joseph Carroll , Jeffrey Brian Bashore , Joel Filliben , Andrew DongHo Kim , Akhilendra Reddy Kotha , Pavan Kumar Reddy Kotlo , Ronnie Joe Morris, Jr. , Dharmender Kumar Satija , Michael Shih , Scott Anderson Sims , Craig D. Widmann
CPC classification number: H04L63/1466 , H04L63/105 , H04L63/1416 , H04L63/1425 , H04L63/20
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for cross-channel network security with tiered adaptive mitigation operations. In this regard, the invention is structured for dynamic detection of security events associated with network devices and resources, and triggering real-time mitigation operations across a plurality of resource channels. The invention provides a novel method for employing activity data to construct and implement mitigation actions for de-escalating authorization tiers that are adapted to the specific attributes of the activity data, in order to prevent security exposure associated with the activity. Another aspect of the invention is directed to determining whether to continue the tiered adaptive mitigation actions and/or trigger a security proceed signal.
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公开(公告)号：US11895133B2
公开(公告)日：2024-02-06
申请号：US17222440
申请日：2021-04-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Jeffrey Brian Bashore , Michael Joseph Carroll , Christopher J. Cooley , Andrew DongHo Kim , Pavan Kumar Reddy Kotlo , Randy J. Nelson , Jennifer Quillen , Lizabeth Rosenberg , Dharmender Kumar Satija , James F. Stevens , Craig Douglas Widmann
CPC classification number: H04L63/1425
Abstract: Embodiments of the present invention provide an innovative system, method, and computer program product for automated device activity analysis in both a forward and reverse fashion. A collaborative system for receiving data and continuously analyzing the data to determine emerging patterns associated with particular user devices is provided. The system is also designed to generate a historical query of user device touch points or interaction points with entity systems across multiple data vectors, and generate system alerts as patterns or potential issues are identified. Common characteristics of data may be used to detect patterns that are broadened in scope and used in a generative neural network approach.
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公开(公告)号：US20240020370A1
公开(公告)日：2024-01-18
申请号：US18373230
申请日：2023-09-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Sai Kishan Alapati , Jeffrey Brian Bashore , Michael Joseph Carroll , Brian H. Corr , Andrew DongHo Kim, JR. , Holly J. Martinez , Aron Megyeri , Ronnie Joe Morris, JR. , Elliot Piatetsky , Jennifer Quillen , Tracy R. Regehr , Dharmender Kumar Satija , Craig Douglas Widmann
IPC: G06F21/32 , H04L9/40 , G06V10/147 , G06V40/16 , H04N23/90
CPC classification number: G06F21/32 , H04L63/0861 , G06V10/147 , G06V40/168 , G06V40/172 , H04N23/90 , G06F2221/2111
Abstract: The present invention is generally related to systems and methods for providing an improved authentication and verification system through the use of compiled user data and user location or traffic data from multiple channels of input. Multiple devices may be utilized by the system in order to receive and process data to authenticate user identities and verify the validity of account activity.
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公开(公告)号：US20200329043A1
公开(公告)日：2020-10-15
申请号：US16915371
申请日：2020-06-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06
Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.
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公开(公告)号：US20200329042A1
公开(公告)日：2020-10-15
申请号：US16915356
申请日：2020-06-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06
Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.
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