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公开(公告)号：US12238214B2
公开(公告)日：2025-02-25
申请号：US17592141
申请日：2022-02-03
Applicant: BANK OF AMERICA CORPORATION
Inventor： Yash Sharma , Sandeep Kumar Chauhan
IPC: H04L9/32
Abstract: A system is provided for generation of substitutable configuration of secure distributed register tokens. In particular, the system may generate, on a distributed register, a secure token with a built-in source code function for triggering a substitution of the secure token with one or more substitute tokens upon the occurrence of a specific condition. The function may pull one or more values associated with the secure token (e.g., from an oracle) and generate the one or more substitute tokens based on the one or more values. Once the substitute tokens are generated, the substitute tokens may be used to replace the secure token on the distributed register.
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公开(公告)号：US12230110B2
公开(公告)日：2025-02-18
申请号：US17369120
申请日：2021-07-07
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram , Nandini Rathaur , Puneetha Polasa , Vibhu Srivastava
Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.
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公开(公告)号：US20250045748A1
公开(公告)日：2025-02-06
申请号：US18229703
申请日：2023-08-03
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Ngoc Tran , Maneesh Kumar Sethia , Saurabh Arora
Abstract: An apparatus is provided, including a transaction card, having: a first microprocessor configured to exchange transaction data; a sensor configured to detect movement; and a second microprocessor in communication with the sensor. The second microprocessor may be configured to store arrays of hash values, representing a movement of a user and a card; obtain hash values based on observed movement patterns, and compare them to the stored values. Upon receiving a transaction request, the microprocessor may determine in real time whether the user is in locomotion and whether the card is being intentionally tapped by the user, based on the observed movement patterns. On this basis, the second microprocessor may determine whether to require an augmented authentication for the requested transaction.
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公开(公告)号：US12142268B2
公开(公告)日：2024-11-12
申请号：US17350394
申请日：2021-06-17
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram , Nandini Rathaur , Vibhu Srivastava , Puneetha Polasa
Abstract: Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).
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5.发明公开公开(公告)号：US20240356629A1
公开(公告)日：2024-10-24
申请号：US18136159
申请日：2023-04-18
Applicant: BANK OF AMERICA CORPORATION
Inventor： Maneesh Sethia , Sandeep Kumar Chauhan , Saurabh Arora
IPC: H04B7/185 , H04B17/318 , H04W24/08
CPC classification number: H04B7/1851 , H04B17/318 , H04W24/08 , H04W84/042 , H04W84/06
Abstract: Systems, computer program products, and methods are described herein for system resiliency by aggregation with heterogenous communication networks. The method includes transmitting an interaction request associated with an interaction initiation device through a low earth orbit satellite network upon determining a cellular network associated with the interaction initiation device is unavailable. The method also includes receiving a plurality of data packets from the interaction initiation device. At least one of the plurality of data packets are received via the low earth orbit satellite network, and one or more of the plurality of data packets include identifying characteristics associated with the interaction initiation device. The method further includes consolidating the plurality of data packets received via the low earth orbit satellite network. The method still further includes causing an execution of the requested interaction by transmitting a confirmation indicator to the interaction initiation device via the low earth orbit satellite network.
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Patent Agency Ranking
6.发明公开公开(公告)号：US20240290182A1
公开(公告)日：2024-08-29
申请号：US18113189
申请日：2023-02-23
Applicant: Bank of America Corporation
Inventor： Maneesh Kumar Sethia , Sandeep Kumar Chauhan , Saurabh Arora , Shyam K Dhanraj
CPC classification number: G07F19/209 , G06Q20/18
Abstract: An ATM includes a long range WAN module that provides the ATM with a low power WAN (LPWAN) capability for increased resiliency. The ATM and bank application servers generally communicate over an ATM communications network to allow customers to perform banking transactions. When this connection is not functioning, the ATM may continue to be used to perform banking transactions, without interruption, by communicating over a LoRaWAN network with another nearby LPWAN-enabled ATM that is in communication with the bank application servers. The LoRaWAN network may also be used to automatically obtain software to fix an error at the ATM when the software is obtainable via a nearby LPWAN-enabled ATM. The LoRaWAN module may be further used to record a state of operations at the ATM and to use the record to resume the transaction where the transaction was interrupted while in progress due to an ATM outage.
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公开(公告)号：US12058249B2
公开(公告)日：2024-08-06
申请号：US17369028
申请日：2021-07-07
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Udaya Kumar Raju Ratnakaram , Nandini Rathaur , Puneetha Polasa , Vibhu Srivastava
CPC classification number: H04L9/0861 , G06Q20/1085 , G08B6/00 , H04L9/30 , H04W88/02
Abstract: Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.
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公开(公告)号：US12041048B2
公开(公告)日：2024-07-16
申请号：US17716662
申请日：2022-04-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Puneetha Polasa , Sandeep Kumar Chauhan , Bhagya Lakshmi Sudha Lavanya Mallidi , Udaya Kumar Raju Ratnakaram
IPC: H04L9/40
CPC classification number: H04L63/0861 , H04L63/102 , H04L63/126
Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.
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公开(公告)号：US12010171B2
公开(公告)日：2024-06-11
申请号：US18135890
申请日：2023-04-18
Applicant: Bank of America Corporation
Inventor： Yash Sharma , Sandeep Kumar Chauhan
IPC: H04L12/00 , G06F11/34 , G06F16/27 , H04L67/104 , H04L67/1074
CPC classification number: H04L67/1051 , G06F11/3409 , G06F16/27 , H04L67/1085
Abstract: Domain-based server-selection computer-implemented processes and machines implement an extension of RAFT consensus for leader selection based on patterns of update data proximity. Accounts involved in payment or other transactions are maintained as “sharded” data across data store instances that are split into shards according to their temporal activity. If the domain attributes for a node exceed a threshold and are greater than the other nodes, the node is designated as a leader node and the others are designated as follower nodes. This provides an additional optimization in network performance by introducing insights in normal operations within a domain in a distributed network. If the domain attributes do not exceed the threshold and/or are not greater than the other nodes, a traditional consensus algorithm is used to select leader and follower nodes.
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公开(公告)号：US11967192B2
公开(公告)日：2024-04-23
申请号：US17730827
申请日：2022-04-27
Applicant: BANK OF AMERICA CORPORATION
Inventor： Radha Janakiraman , Sandeep Kumar Chauhan
CPC classification number: G07C9/00912 , G06T19/006 , H04L9/0819 , G07C2009/00484
Abstract: Systems, computer program products, and methods are described herein for secure access and initiation using a remote terminal. The present invention is configured to determine that a secondary user has entered a secure environment, wherein the secure environment comprises a safe-deposit box associated with a primary user; determine that the secondary user has initiated an augmented reality session using a computing device associated with the secondary user; automatically generate a digital authentication key in response determining that the secondary user has entered the secure environment and has initiated the augmented reality session; electronically receive, from the computing device associated with the primary user, an authorization to transmit the digital authentication key to the computing device associated with the secondary user; transmit the digital authentication key to the computing device associated with the secondary user; and emulate the augmented reality session on the computing device associated with the primary user.
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