公开(公告)号：US20230252115A1

公开(公告)日：2023-08-10

申请号：US17668507

申请日：2022-02-10

Applicant: Bank of America Corporation

Inventor： Preston Wesley Ports, III ,  Ryan J. Moore ,  Sangeeta Varma Martinez ,  Robert Marshall Voyles, III ,  Ryan M. Furey ,  Erin Marie McCullen ,  Ankana Datta ,  Kyle Corkery

IPC: G06F21/31

CPC classification number: G06F21/31 ,  G06F2221/2115 ,  G06F2221/2117

Abstract: Methods for authenticating, verifying and digitally onboarding prospective account holders using an artificially-intelligent, dynamic, rules-based system are provided. Methods may include receiving digital requests for digital account onboarding. Methods include processing the digital requests at a rules engine. Methods may include generating an authentication and verification score for each digital request. Methods may include initiating one or more authentication and verification systems to authenticate and/or verify a prospective account holder associated with each digital request. Methods may include identifying an authentication and verification score for each digital request based the results of the authentication and verification systems. Methods may include creating accounts for account holders that are authenticatable and verifiable by the authentication and verification systems. Methods may include denying digital account onboarding for account holders that are not authenticatable and verifiable by the authentication and verification systems.

公开(公告)号：US11528267B2

公开(公告)日：2022-12-13

申请号：US16706333

申请日：2019-12-06

Applicant: Bank of America Corporation

Inventor： Preston Wesley Ports, III ,  Sangeeta Varma Martinez ,  Dipika Jain ,  Michael Toth ,  Melissa K. Van Leuven ,  Holly Martinez ,  Dawn M. Friscia ,  Erin Marie McCullen ,  Deborah D. Jackson

IPC: H04L9/40 ,  G06F16/535 ,  H04W12/77

Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.

公开(公告)号：US20210176238A1

公开(公告)日：2021-06-10

申请号：US16706333

申请日：2019-12-06

Applicant: Bank of America Corporation

Inventor： Preston Wesley Ports, III ,  Sangeeta Varma Martinez ,  Dipika Jain ,  Michael Toth ,  Melissa K. Van Leuven ,  Holly Martinez ,  Dawn M. Friscia ,  Erin Marie McCullen ,  Deborah D. Jackson

IPC: H04L29/06 ,  G06F16/535

Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.