公开(公告)号：US20240144198A1

公开(公告)日：2024-05-02

申请号：US17978592

申请日：2022-11-01

Applicant: Bank of America Corporation

Inventor： Gilbert M. Gatchalian ,  Brian Christman ,  Kamal D. Sharma ,  Karthik Rajagopalan ,  Kevin A. Delson ,  Ronnie Rosseland ,  Yassine Touahri ,  Amer Ali

IPC: G06Q10/10 ,  G06F16/35 ,  G06F40/279

CPC classification number: G06Q10/1097 ,  G06F16/35 ,  G06F40/279

Abstract: Systems, devices, and methods for machine learning based processing of service requests is described. A user device may send a service request to a service management platform. Based on keywords in the request and a knowledge base, the service management platform may send indications of one or more prospective solutions to the user device. The service management platform may update the knowledge base based on success or failure of the prospective solution.

公开(公告)号：US11699188B2

公开(公告)日：2023-07-11

申请号：US17401501

申请日：2021-08-13

Applicant: Bank of America Corporation

Inventor： Gilbert M. Gatchalian ,  Jesse S. Newsom, III ,  Kevin Tran ,  Yogi Ahuja ,  Kevin A. Delson

IPC: G06Q40/04 ,  G06Q20/10 ,  G06F16/951 ,  G06Q30/0601

CPC classification number: G06Q40/04 ,  G06F16/951 ,  G06Q20/108 ,  G06Q30/0641

Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

公开(公告)号：US20230012019A1

公开(公告)日：2023-01-12

申请号：US17369534

申请日：2021-07-07

Applicant: Bank of America Corporation

Inventor： Jesse S. Newsom, III ,  Kevin A. Delson ,  Gilbert M. Gatchalian

IPC: G06Q20/40 ,  G06F9/54 ,  G06F16/23 ,  H04L9/32

Abstract: Various aspects of the disclosure relate to automated compliance verification systems for authenticating and verifying compliance associated with electronic transactions. A compliance verification platform may be an intermediary between an application for managing and/or recording transactions and a transaction processing platform for processing a transaction. Based on successful compliance verification and authentication, the compliance verification platform may send notifications to the transaction processing platform to process a transaction requested via the application

公开(公告)号：US10915613B2

公开(公告)日：2021-02-09

申请号：US16106259

申请日：2018-08-21

Applicant: Bank of America Corporation

Inventor： Keesara Himabindu ,  Jayachandra Varma ,  Crystal M. Sundaramoorthy ,  Gilbert M. Gatchalian ,  Manu Kurian ,  Kevin A. Delson ,  Saritha Prasad Vrittamani ,  Angela Cain

IPC: G06N5/04 ,  G06F21/32 ,  H04L9/32 ,  H04L29/06 ,  G06N20/00

Abstract: Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.

公开(公告)号：US20230306511A1

公开(公告)日：2023-09-28

申请号：US18198105

申请日：2023-05-16

Applicant: Bank of America Corporation

Inventor： Gilbert M. Gatchalian ,  Jesse S. Newsom, III ,  Kevin Tran ,  Yogi Ahuja ,  Kevin A. Delson

IPC: G06Q40/04 ,  G06F16/951 ,  G06Q30/0601 ,  G06Q20/10

CPC classification number: G06Q40/04 ,  G06F16/951 ,  G06Q20/108 ,  G06Q30/0641

Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

公开(公告)号：US20230046393A1

公开(公告)日：2023-02-16

申请号：US17401501

申请日：2021-08-13

Applicant: Bank of America Corporation

Inventor： Gilbert M. Gatchalian ,  Jesse S. Newsom, III ,  Kevin Tran ,  Yogi Ahuja ,  Kevin A. Delson

IPC: G06Q40/04 ,  G06Q20/10 ,  G06Q30/06 ,  G06F16/951

Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

公开(公告)号：US20200065459A1

公开(公告)日：2020-02-27

申请号：US16106259

申请日：2018-08-21

Applicant: Bank of America Corporation

Inventor： Keesara Himabindu ,  Jayachandra Varma ,  Crystal M. Sundaramoorthy ,  Gilbert M. Gatchalian ,  Manu Kurian ,  Kevin A. Delson ,  Saritha Prasad Vrittamani ,  Angela Cain

IPC: G06F21/32 ,  H04L29/06 ,  H04L9/32 ,  G06F15/18

Abstract: Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.

公开(公告)号：US20240427862A1

公开(公告)日：2024-12-26

申请号：US18214368

申请日：2023-06-26

Applicant: Bank of America Corporation

Inventor： Dinesh Kumar Agrawal ,  Gilbert M. Gatchalian ,  Steven Greene ,  Richard Scot ,  Sanjay Lohar ,  Benjamin F. Tweel ,  James Siekman ,  Erik Dahl ,  Vijaya L. Vemireddy

IPC: G06F21/31

Abstract: Arrangements for detecting unauthorized activity based on input method analysis and monitoring are provided. In some aspects, identity information associated with a user may be received and be stored. An input may be received from a computing device of the user. An input pattern of the received input may be determined. Using a machine learning model, the input pattern of the received input may be compared to input patterns of humans and input patterns of machines. Based on the comparison, it may be determined whether the user is a human user or a non-human user. Responsive to determining that the user is a non-human user, a request may be transmitted to the user to provide increased authentication credentials. Responsive to determining that the user is a human user, an identity of the user may be verified by comparing the input pattern of the received input to the stored identity information.

公开(公告)号：US12169833B2

公开(公告)日：2024-12-17

申请号：US17369534

申请日：2021-07-07

Applicant: Bank of America Corporation

Inventor： Jesse S. Newsom, III ,  Kevin A. Delson ,  Gilbert M. Gatchalian

IPC: G06Q20/40 ,  G06F9/54 ,  G06F16/23 ,  H04L9/32

Abstract: Various aspects of the disclosure relate to automated compliance verification systems for authenticating and verifying compliance associated with electronic transactions. A compliance verification platform may be an intermediary between an application for managing and/or recording transactions and a transaction processing platform for processing a transaction. Based on successful compliance verification and authentication, the compliance verification platform may send notifications to the transaction processing platform to process a transaction requested via the application.

公开(公告)号：US20230043509A1

公开(公告)日：2023-02-09

申请号：US17392503

申请日：2021-08-03

Applicant: Bank of America Corporation

Inventor： Morgan S. Allen ,  Monika Kapur ,  Gilbert M. Gatchalian

IPC: G06Q40/02 ,  G06Q20/10 ,  G06Q20/04 ,  G06Q10/08 ,  G06F3/0484 ,  G06K9/22

Abstract: Various aspects of the disclosure relate to automated generation and electronic delivery of digital representations of guaranteed financial instruments. A check generation service platform may process personal financial instrument images, along with user account information, to generate electronic representations of guaranteed financial products. Delivery of the guaranteed financial product may be performed as an electronic message comprising one or more of a bar code, a QR code, or an electronic token, and an electronic image that may be executed by a third-party computing platform.