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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：US11637838B2
公开(公告)日：2023-04-25
申请号：US17172234
申请日：2021-02-10
Applicant: BANK OF AMERICA CORPORATION
Abstract: Systems, computer program products, and methods are described herein for intrusion detection using resource activity analysis. The present invention is configured to receive, from a computing device of a user, an indication that the user has accessed a resource allocation portfolio of a customer; determine a geographic information of the user; retrieve a geographic information of the customer; determine that the geographic information of the user does not match the geographic information of the customer; determine an exposure level associated with the user access of the resource allocation portfolio of the customer; determine that the exposure level is greater than a predetermined threshold; and automatically trigger a transmission of a notification to a computing device of an administrator indicating that the exposure level associated with the user access of the resource allocation portfolio of the customer is greater than the predetermined threshold.
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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：US20220255946A1
公开(公告)日：2022-08-11
申请号：US17172234
申请日：2021-02-10
Applicant: BANK OF AMERICA CORPORATION
Abstract: Systems, computer program products, and methods are described herein for intrusion detection using resource activity analysis. The present invention is configured to receive, from a computing device of a user, an indication that the user has accessed a resource allocation portfolio of a customer; determine a geographic information of the user; retrieve a geographic information of the customer; determine that the geographic information of the user does not match the geographic information of the customer; determine an exposure level associated with the user access of the resource allocation portfolio of the customer; determine that the exposure level is greater than a predetermined threshold; and automatically trigger a transmission of a notification to a computing device of an administrator indicating that the exposure level associated with the user access of the resource allocation portfolio of the customer is greater than the predetermined threshold.
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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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Patent Agency Ranking
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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公开(公告)号：US20180211248A1
公开(公告)日：2018-07-26
申请号：US15415701
申请日：2017-01-25
Applicant: Bank of America Corporation
Inventor： Scott Anderson Sims , Tony England , Shawn Parris Bench , Andrew Dongho Kim , Jeffrey Thomas Zusi
CPC classification number: G06Q20/3672 , G06Q20/00 , G06Q20/3221 , G06Q20/352 , H04L63/0876 , H04W4/80 , H04W12/0608
Abstract: Embodiments are directed to expedited setup of digital wallet using contactless credentials. Embodiments receive user authentication credentials; validate the user authentication credentials; in response to validation, enable access to one or more features or functions of a mobile application; receive, from the contactless reader, contactless credential information comprising owner identification, credential number, expiration date and cryptogram; load the contactless credential information into a digital wallet stored in the memory; and enable use of a payment token corresponding to the contactless credential information in a digital wallet transaction.
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公开(公告)号：US11985136B2
公开(公告)日：2024-05-14
申请号：US18072526
申请日：2022-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Jeffrey Brian Bashore , Jeffrey David Finocchiaro , Craig Douglas Widmann
CPC classification number: H04L63/102 , G06F18/24 , G06N20/00 , H04L63/1441 , H04L63/20
Abstract: Systems, computer program products, and methods are described herein for detection and classification of intrusion using machine learning techniques. The present invention is configured to electronically receive, from a computing device of a user, an indication that the user has initiated a first resource interaction; retrieve information associated with the first resource interaction, wherein the information comprises at least one or more parameters associated with the first resource interaction; initiate a machine learning model on the one or more parameters associated with the first resource interaction; and classify, using the machine learning model, the first resource interaction into one or more classes, wherein the one or more classes comprises one or more access types.
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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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