公开(公告)号：US12169837B2

公开(公告)日：2024-12-17

申请号：US17507126

申请日：2021-10-21

Applicant: Bank of America Corporation

Inventor： Udaya Kumar Raju Ratnakaram ,  Puneetha Polasa ,  Sandeep Kumar Chauhan ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Prashanthi Jambula ,  Shravan Kumar Kondoju

IPC: G06Q20/40 ,  G06Q20/22 ,  G06Q20/38 ,  G06Q40/02 ,  H04L9/40

Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.

公开(公告)号：US20230131232A1

公开(公告)日：2023-04-27

申请号：US17507126

申请日：2021-10-21

Applicant: Bank of America Corporation

Inventor： Udaya Kumar Raju Ratnakaram ,  Puneetha Polasa ,  Sandeep Kumar Chauhan ,  Bhagya Lakshmi Sudha Lavanya Mallidi ,  Prashanthi Jambula ,  Shravan Kumar Kondoju

IPC: G06Q20/40 ,  G06Q20/22 ,  G06Q20/38 ,  G06Q40/02 ,  H04L29/06

Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.