公开(公告)号：US12242639B2

公开(公告)日：2025-03-04

申请号：US18222527

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F21/00 ,  G06F21/62

Abstract: Methods and system are provided for tuning an artificial intelligence (“AI”) system. The methods and system may include training the AI system to identify distinct users their distinct interactions. The training may include receiving datatsets related to a plurality of distinct users and their plurality of distinct interactions. The AI system may parse the datasets to arrive at a plurality of sets of distinct interactions performed by respective distinct users, each distinct interaction may be associated with a level of security clearance. The AI system may receive a request from a user to access information. The methods and system may include the AI system initiating a communication with the user. The communication may be compared with the each set of distinct interactions until a user and level of security can be identified. The AI system may prompt the user to access information on the level of security clearance identified.

公开(公告)号：US20230336587A1

公开(公告)日：2023-10-19

申请号：US17722722

申请日：2022-04-18

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L9/40 ,  H04L51/212

CPC classification number: H04L63/1483 ,  H04L51/212 ,  H04L63/0428

Abstract: Methods for securing an electronic communication is provided. In a registration process, an anti-phish, personalized, security token may be created and/or selected for a predetermined account. The token may be stored in a database at an enterprise location. An electronic communication may be generated at a third-party location on behalf of the enterprise. The communication may be forwarded from the third-party location to a recipient associated with the account. The communication may be intercepted at an edge server. The edge server may be located at the third-party location or the enterprise location. The edge server may be in communication with the database. The edge server may select, from the database, the anti-phish token that is associated with the account. The selected token may be injected into the communication. The communication with the token may be transmitted to the recipient.

公开(公告)号：US20230336353A1

公开(公告)日：2023-10-19

申请号：US17722773

申请日：2022-04-18

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L9/32 ,  H04L9/40

CPC classification number: H04L9/3236 ,  H04L9/3213 ,  H04L9/3231 ,  H04L63/1483 ,  H04L2209/56

Abstract: Methods for securing an electronic communication is provided. Methods may, in a registration process, create and/or select an anti-phish, personalized, security token for a predetermined account on a computing device. Methods may generate a hash of the token, store the token and the hash in a secure storage location within the computing device. Methods may, in an in-use process, generate an electronic communication at a channel. The database may be interposed along the channel. Methods may forward the communication to a recipient associated with the account. Methods may intercept the communication at the database. Methods may select the hash from the database. Methods may generate an injected hash by injecting the hash into the communication. Methods may transmit the communication with the hash to the recipient. Methods may receive the electronic communication with the injected hash at the recipient. Methods may compare the injected hash to the stored hash. Methods may release and display the anti-phish token when the injected hash is equivalent to the stored hash.

公开(公告)号：US20230319029A1

公开(公告)日：2023-10-05

申请号：US17707097

申请日：2022-03-29

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: H04L9/40

CPC classification number: H04L63/0853 ,  H04L63/1483

Abstract: A double anti-phish, personalized, security token for use with electronic communications is provided. The security token may be embedded in each electronic communication transmitted from an entity to a recipient. A first part of the token may be embedded in a body of the communication. A second part of the token may be embedded in a header of the communication. The second part of the security token may validate that the electronic communication is indeed from the entity. Upon validation, the second part may instruct the first part to display a validation symbol. Upon failure to validate, the second part may instruct the first part to display an alert symbol. The recipient receiving the electronic communication may use the first part of the validation symbol as a visual aid to determine a level of confidence of whether the electronic communication has been validated as being transmitted by the entity.

公开(公告)号：US20250069013A1

公开(公告)日：2025-02-27

申请号：US18237936

申请日：2023-08-25

Applicant: Bank of America Corporation

Inventor： Vinesh Patel ,  Michael Young ,  Tanvi Patel

IPC: G06Q10/0635 ,  G06Q30/018

Abstract: A system may be used by an entity to determine and reduce risks that may result from employees communicating with clients or others using unauthorized communications channels. The system may monitor communications over authorized communication channels or obtain notifications from a monitoring system for explicit or implicit references to the use by employees of unauthorized communications channels. An AI/ML scoring engine may generate a communication-specific risk score that may be used to understand the degree of risk posed by the communication. The scoring engine may also generate an employee specific risk score that accounts for employee specific risk-related factors that may affect the risk associated with the communication. The risk scoring may be used to cause automated risk reduction operations to be performed, such as providing alerts to an employer or employee of risk issues or halting trading or communications by the employee.

公开(公告)号：US20250030701A1

公开(公告)日：2025-01-23

申请号：US18222557

申请日：2023-07-17

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Michael Young ,  Vinesh Patel

IPC: H04L9/40 ,  G06N3/006

Abstract: A method for securing communications received at an automated chatbot within an entity network is provided. The method may enable securing the communications by monitoring inputs received at the automated chatbot in order to identify whether there may be a probability that the input is generated by an artificial intelligence (“AI”) program. The method may include receiving a request to initiate a chat session at the automated chatbot. Each input received at the automated chatbot may be simultaneously retrieved by a processor associated with the chatbot for verifying. Each input may be analyzed by an AI auditor application in comparison to trained data stored in an AI model. The trained data may include characteristics that may be associated with input generated by the AI program. When any inputs correspond to the trained data, the AI auditor may pause the chat session at the automated chatbot and/or terminate the chat session.

公开(公告)号：US20250028704A1

公开(公告)日：2025-01-23

申请号：US18224140

申请日：2023-07-20

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Vinesh Patel ,  Michael Young

IPC: G06F16/23 ,  G16H20/70

Abstract: Systems and methods for an artificial intelligence-based auditor of artificial intelligence may be provided. The artificial-intelligence-based auditor may operate on one or more hardware processors. The artificial intelligence-based auditor may continually scan one or more operating artificial intelligence systems for productivity and operability. The scan may identify a data source powering the one or more operating artificial intelligence systems. The scan may measure a delta between an output from each of the one or more operating artificial intelligence systems. The scan may identify trends in quality of the one or more operating artificial intelligence systems. The scan may analyze instances where the one or more operating artificial intelligence systems outputted data outside of a parameter range. Based on the scan, the auditor may label each of the one or more operating artificial intelligence systems as positive, neutral or negative.

公开(公告)号：US12062055B2

公开(公告)日：2024-08-13

申请号：US17683475

申请日：2022-03-01

Applicant: Bank of America Corporation

Inventor： Michael Young ,  Vinesh Patel ,  Melissa Gordon Glenn

IPC: G06Q10/00 ,  G06F16/951 ,  G06Q30/018 ,  H04L9/40 ,  G06Q50/00

CPC classification number: G06Q30/0185 ,  G06F16/951 ,  H04L63/1483 ,  G06Q50/01

Abstract: Methods for increasing a data security of information shared and viewed within a social network platform is provided. Methods may include generating a social media impersonation score (“SMIS”) for a first user account on the social network platform. The SMIS may indicate a veracity of the user profile data associated with the first user account. Methods may include verifying the veracity of the user profile data by determining an authenticity of a corporate email address associated with the first user account. Methods may include determining that the corporate email address exists and verifying that a domain associated with the corporate email address is a trusted domain. Methods may include generating the SMIS based on results of the verifying and linking the SMIS to the first user account. Methods may further include displaying the first user account and the SMIS on a graphical user interface (“GUI”) of the social network platform.

公开(公告)号：US20250168007A1

公开(公告)日：2025-05-22

申请号：US18510792

申请日：2023-11-16

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Vinesh Patel

IPC: H04L9/32 ,  H04L9/00

Abstract: Systems and methods may include contributing to a quantum-resistant blockchain that stores a quantum-resistant audit trail of changes to a dataset. A non-transitory computer readable medium may store instructions that are run on a computer processor to populate a block with a log of a dataset, run a quantum-resistant cryptographic algorithm to encrypt the block, distribute the block to and receive approval from blockchain nodes to add the block to the blockchain, and run the algorithm to encrypt the block onto the blockchain. The method may include repeating the steps of running the non-transitory medium on the computer processor to populate a second block with a second log of the dataset, run the algorithm to encrypt the second block, distribute the second block to and receive approval from the blockchain nodes to add the block to the blockchain, and run the algorithm to encrypt the second block onto the blockchain.

公开(公告)号：US20250039166A1

公开(公告)日：2025-01-30

申请号：US18225197

申请日：2023-07-24

Applicant: Bank of America Corporation

Inventor： Manu Kurian ,  Ana Maxim ,  Michael Young ,  Vinesh Patel

IPC: H04L9/40

Abstract: Apparatus and methods to verify human interaction through digital tokens are provided. A human verification program may create a principal digital token and assign it to the profiles of a plurality of users. When a first user of the plurality of users requests verification that a second user of the plurality of users is human and not a bot, the program may transmit the principal token to the second user. The second user may perform a verifiably human action and create a secondary token. The secondary token may be transmitted to the program. The program may analyze the secondary token and create a limited verification token when the second user is human and not a bot. The verification token may be transmitted to the first user.