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    Virtual Assistant Host Platform Configured for Interactive Voice Response Simulation
    2.
    发明申请
    Virtual Assistant Host Platform Configured for Interactive Voice Response Simulation 有权

    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.

    Pre-Authentication for Interactive Voice Response System
    3.
    发明申请
    Pre-Authentication for Interactive Voice Response System 有权

    公开(公告)号：US20250126204A1

    公开(公告)日：2025-04-17

    申请号：US18380314

    申请日：2023-10-16

    Applicant: Bank of America Corporation

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

    IPC: H04M3/51 ,  H04M3/42 ,  H04M3/436 ,  H04M3/523

    Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a user may initiate, via an application executing on a mobile device of the user, a telephone call to an IVR system. A computing platform may intercept the call and may generate a one-time passcode (OTP). The OTP may be appended to the telephone number as a suffix and the telephone call may be initiated with the IVR system using the telephone number and appended suffix. The IVR system may extract the OTP and may validate the OTP. If the OTP is validated, the call may be initiated as a pre-authenticated call in which the IVR system might not request authentication data from the user. If the OTP is not validated, the call may be initiated as a standard call in which the IVR system may request authentication data from the user.

    TRANSMISSION, VIA A VIRTUAL PERSONA, LEVERAGING FRAUD DETECTION NETWORKS
    4.
    发明申请
    TRANSMISSION, VIA A VIRTUAL PERSONA, LEVERAGING FRAUD DETECTION NETWORKS 审中-公开

    公开(公告)号：US20180330356A1

    公开(公告)日：2018-11-15

    申请号：US15594836

    申请日：2017-05-15

    Applicant: Bank of America Corporation

    Inventor： Tony England ,  Pavan K. Chayanam ,  Hari Gopalkrishnan

    IPC: G06Q20/32 ,  G06F21/36 ,  G06F17/30 ,  H04L12/58

    CPC classification number: G06Q20/3224 ,  G06F17/30719 ,  G06F21/36 ,  G06Q20/3221 ,  G06Q20/3276 ,  H04L51/24

    Abstract: An apparatus for electronic transmission via a virtual persona is provided. The apparatus may include a receiver. The receiver may be located at a first entity's mobile device. The receiver may be configured to receive a request to transmit an electronic transmission. The apparatus may include a processor. The processor may be located at the first entity's mobile device. The processor may be configured to identify a plurality of visible virtual personas. The plurality of visible virtual personas may be associated with a plurality of other mobile devices. Each of the plurality of virtual personas may be associated with a displayable image and/or characteristic set. The identification may be based on information received from a third party fraud detection network. The information may include location information associated with the plurality of other devices. The location information may be currently exploited by the third party fraud detection network.

    Virtual Assistant Host Platform Configured for Interactive Voice Response Simulation
    6.
    发明申请
    Virtual Assistant Host Platform Configured for Interactive Voice Response Simulation 有权

    公开(公告)号：US20220020364A1

    公开(公告)日：2022-01-20

    申请号：US16933097

    申请日：2020-07-20

    Applicant: Bank of America Corporation

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

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

    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.

    PHOTOGRAPH BILLPAY TAGGING
    7.
    发明申请
    PHOTOGRAPH BILLPAY TAGGING 审中-公开

    公开(公告)号：US20150227787A1

    公开(公告)日：2015-08-13

    申请号：US14178488

    申请日：2014-02-12

    Applicant: Bank of America Corporation

    Inventor： Saurabh Mehta ,  Donald W. Schoppe ,  Dingxiang Liu ,  Karan S. Sahni ,  Sharon Scanlon ,  Hood Qaim-Maqami ,  Pavan K. Chayanam

    IPC: G06K9/00 ,  G06Q20/10 ,  G06F17/24

    CPC classification number: G06K9/00449 ,  G06F17/243 ,  G06Q20/102

    Abstract: Tools for photograph billpay tagging of a digital image are provided. The digital image may correspond to a portion of text positioned upon a medium. The text may correspond to billpay information. The tool may define a graphical reference frame for the digital image. The tool may identify a set of glyphs within the text. The tool may translate a portion of the digital image into an estimated group of characters. The translated portion of the digital image may correspond to at least a part of the set of glyphs. The tool may tag the portion of the digital image with a tag. The tag may be coupled with a billpay input field. The billpay input field may be populated. The billpay input field may be populated with the group of estimated characters. The bill input field may be populated based on the coupling.

    Abstract translation: 提供数字图像拍照标记工具。 数字图像可以对应于位于介质上的文本的一部分。 该文本可对应于帐单信息。 该工具可以为数字图像定义图形参考帧。 该工具可以标识文本中的一组字形。 该工具可将数字图像的一部分转换成估计的一组字符。 数字图像的翻译部分可以对应于该组字形的至少一部分。 该工具可以使用标签来标记数字图像的部分。 标签可以与付费输入字段耦合。 帐单输入字段可以被填充。 账单输入字段可以用估计字符组填充。 账单输入字段可以基于耦合来填充。

    Pre-Authentication for Interactive Voice Response System
    8.
    发明申请
    Pre-Authentication for Interactive Voice Response System 有权

    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.

    DE-CENTRALIZED AUTHENTICATION IN A NETWORK SYSTEM
    9.
    发明申请
    DE-CENTRALIZED AUTHENTICATION IN A NETWORK SYSTEM 有权

    公开(公告)号：US20250117791A1

    公开(公告)日：2025-04-10

    申请号：US18982309

    申请日：2024-12-16

    Applicant: Bank of America Corporation

    Inventor： Pavan K. Chayanam ,  Navdeep Mahajan

    IPC: G06Q20/38 ,  H04L9/40

    Abstract: User authentication and validation for performing transactions may be performed by a validation server of a service provider. For example, when a login request or purchase request is received, the request may be authenticated or validated before permitting the requested transaction. In some arrangements, the validation may be delegated to one or more devices or users external to the service provider. Multiple validation users may be consulted for each transaction request to determine a consensus validation decision. A consensus may be reached based on unanimous responses or based on a specified threshold level (e.g., more than 50% responding positively or negatively). The service provider may use this consensus determination to authorize or reject a transaction request.

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