Patents Assigned to Bank of America
  • Publication number: 20240163283
    Abstract: Embodiments of the present invention provide a system for implementing authentication control protocols via components of entity device. In particular, the system may be configured to determine initiation of a resource interaction by a user at an entity device, control one or more components of the entity device to cause the entity device to capture a real-time image of the user, compare the real-time image captured via the entity device with an updated enhanced user image stored in a data file of the user, in response to comparing the real-time image with the updated enhanced user image, determine if the real-time image matches the updated enhanced user image, and implement one or more authentication control protocols based on determining if the real-time image matches the updated enhanced user image.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Publication number: 20240160722
    Abstract: Embodiments of the present invention provide a system for identifying and redirecting incoming unauthorized data access requests. The system is configured for continuously monitoring one or more incoming data access requests from one or more sources, identifying that a data access request of the one or more incoming data access requests is an unauthorized request, redirecting the data access request to a controlled environment, performing one or more actions in the controlled environment to capture one or more interactions associated with the data access request within the controlled environment, and automatically generating one or more controls to secure a real-time environment based on the one or more interactions captured within the controlled environment.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Christopher Daniel Birch, Sophie Morgan Danielpour, Susan R. Hart, Son Huynh, Tyler Keith Prothro, Shannon Sabina Rolinger, Amado Jose Martinez Suarez, Stephen Jack Williams
  • Publication number: 20240163328
    Abstract: A message queue routing system may be implemented into a message queue gateway to route data to Software component designed and deployed into MQ Gateway to route the data to the MQ cluster. A central processing unit (CPU) node analyzer reads real time health statistics of each of a plurality of MQ cluster processing nodes. Based the computation, the CPU node analyzer routes the message to a specified node of the cluster having a minimum of CPU load at that time. The CPU node analyzer analyzes information comprising at least CPU performance information and system idleness information. Each processing node enables dynamic message routing computations utilizing an artificial intelligence/machine learning framework and a plurality of trained predictive models. The predictive model is trained using a trained data set using text classification.
    Type: Application
    Filed: January 22, 2024
    Publication date: May 16, 2024
    Applicant: Bank of America Corporation
    Inventors: Anurajam Rajagopalan, Sathyanarayana Rajendran, Sunil Kumar Sriperambudur
  • Publication number: 20240160681
    Abstract: Systems, computer program products, and methods are described herein for providing electronic navigation assistance based on data patterns via process tracking graphing. The method includes receiving one or more network navigation inputs completed by a user device associated with a user. The one or more network navigation inputs are indications of navigation between two or more pages on a network. The method also includes comparing the one or more network navigation inputs with one or more previous network navigation indicators. The method further includes determining a user location status based on the comparison of the one or more network navigation inputs with the one or more previous network navigation indicators. The user location status indicates whether the user needs assistance. The method still further includes causing a transmission of an assistance notification to the user device associated with the user based on determining that the user needs assistance.
    Type: Application
    Filed: November 16, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Joel Reji
  • Publication number: 20240161102
    Abstract: Aspects of the disclosure relate to methods, systems, and apparatuses for improving speed of transaction processing in payment systems using a proof of cache system. The proof of cache system may be used to validate transactions using cached keys stored on Directed Acyclic Graph (DAG) nodes that are available. The cached keys may be encrypted using Argon2d cryptographic hashing.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: Bank of America Corporation
    Inventor: Elvis Nyamwange
  • Publication number: 20240160513
    Abstract: Systems, computer program products, and methods are described herein for real-time overload detection using image processing analysis. The present disclosure is configured to receive a first set of images associated with a device, wherein the one or more images are associated with a resiliency status of the device; deploy, using a machine learning (ML) subsystem, a trained ML model on the first set of images of the device; determine, using the trained ML model, a change in the resiliency status of the device based on the first set of images; and generate a notification indicating the change in the resiliency status of the device; and transmit control signals configured to cause a first user input device to display the notification.
    Type: Application
    Filed: November 14, 2023
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Maharaj Mukherjee, Carl M. Benda, Elvis Nyamwange, Utkarsh Raj, Suman Roy Choudhury, Vidya Srikanth, Colin Murphy
  • Publication number: 20240161103
    Abstract: Aspects of the disclosure relate to methods, systems, and apparatuses for improving speed of transaction processing in payment systems using a proof of cache system. The proof of cache system may be used to validate transactions using cached keys stored on Directed Acyclic Graph (DAG) nodes that are available. The cached keys may be encrypted using Argon2d cryptographic hashing.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: Bank of America Corporation
    Inventor: Elvis Nyamwange
  • Publication number: 20240160552
    Abstract: Systems, computer program products, and methods are described herein for performance monitoring using aggregated telemetry. The present disclosure is configured to receive, from the first performance monitoring engine, a first metadata associated with the first resiliency status; receive, from the second performance monitoring engine, a second metadata associated with the second resiliency status; determine, using a machine learning (ML) subsystem, an overall resiliency status of the device based on at least the first metadata, the second metadata, the first resiliency status, and the second resiliency status; determine one or more actions to be executed on the device, wherein the one or more actions are associated with the overall resiliency status; generate a notification indicating the overall resiliency status of the device and the one or more actions associated with the overall resiliency status; and transmit control signals configured to cause a user input device to display the notification.
    Type: Application
    Filed: November 14, 2023
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Maharaj Mukherjee, Carl M. Benda, Elvis Nyamwange, Utkarsh Raj, Suman Roy Choudhury, Vidya Srikanth, Colin Murphy
  • Publication number: 20240161096
    Abstract: Systems, computer program products, and methods are described herein for electronic authorization for transfer of an electronic resource. The present disclosure is configured to generate an electronic copy of a resource distribution instrument, wherein the resource distribution instrument identifies a recipient account; transmit an electronic authorization request to a device associated with a resource distribution, wherein the device associated with the resource distribution is a device associated with a recipient user of the recipient user account; receive an electronic authorization response from the user device associated with the recipient user, wherein the electronic authorization response comprises at least one of an electronic signature or a captured physical characteristic; and generate an authorization of the resource distribution instrument based on the electronic authorization response.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Alejandra Magiella Wessolossky Guzman, Joseph Benjamin Castinado
  • Publication number: 20240160480
    Abstract: Systems, computer program products, and methods are described herein for multi-channel cognitive virtual assistance for resource transfer requests. The present disclosure is configured to receive a request from a first user device to complete a resource transfer between a first resource account and a second resource account; analyze the request via a machine learning engine and generate an intent based on a communication contained in the request; generate an automated notification based on the generated intent and forward the automated notification to a second user device; receive an approval, denial, or change request in response to the automated notification; based on the approval, denial, or change request, initiate a resource action between the first resource account and the second resource account.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Indradeep Dantuluri, Pavan Chayanam
  • Publication number: 20240160460
    Abstract: Systems, computer program products, and methods are described herein for automated failure resolution in virtual machines. The present disclosure is configured to provide a one-click restart automation across both lower and production environments for various virtual machines. This leads to consistent and predictable virtual machine outages and leverages a secure application programming interface service for reliable, automated virtual machine health validation. The process is standardized, centralized, and updatable or upgradable over time. In addition, the process is also transparent, in that success or failure reporting with error codes is provided via detailed notification processing architecture.
    Type: Application
    Filed: November 14, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Prabhat Ranjan, Christopher Herman Cokis, Karan Singh Negi, Sean Edward Melvin, Shilpa Banerjee
  • Publication number: 20240160512
    Abstract: Systems, computer program products, and methods are described herein for evaluating, validating, correcting, and loading data feeds based on artificial intelligence input. The present invention may be configured to receive a data feed from a source for loading to a target data structure, analyze, based on historical feed data, metadata of the data feed to determine a likelihood of the data feed failing to load, and determine whether the likelihood of the data feed failing to load satisfies a threshold. The present invention may be configured to load the data feed to the target data structure, determine, after loading the data feed to the target data structure, whether the data feed failed to load, and either correct errors in the data feed or add error-containing portions of the data feed to a failed data log.
    Type: Application
    Filed: January 22, 2024
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Vijaya Kumar Vegulla, Rama Venkata S. Kavali, Venugopala Rao Randhi, Damodarrao Thakkalapelli
  • Publication number: 20240160625
    Abstract: Systems, computer program products, and methods are described herein for event-driven batch processing with granular operational access. The present disclosure is configured to retrieve, from one or more feature databases, one or more attributes to process one or more records associated with a first batch cycle; retrieve, from one or more configuration databases, one or more resources associated with the one or more records; generate a dashboard interface for the one or more records, wherein the dashboard interface comprises the one or more attributes, the one or more resources, and one or more operational access parameters associated with the processing of the one or more records; and provide, to a user input device associated with a user, the dashboard interface.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Prajith Rugmini Balakrishnan, Anurag Prakash Varde
  • Publication number: 20240160704
    Abstract: Authentication/verification of sub-environments that represent entities within an augmented/virtual reality computing network and virtual objects present in the sub-environment that represent individuals associated with the entity. In response to authentication, a sensory-perceptible indicator (e.g., visual, audible or haptic indicators) is presented to users of the virtual reality computing environment that notify the user that the entity or virtual objects representing the entity have been authenticated. Authentication may be performed via watermarks embedded in images present within the sub-environment, capturing and comparing physical characteristics of an authorized individual representing the entity, cryptographic frequency hopping and/or electromagnetic signatures.
    Type: Application
    Filed: November 16, 2022
    Publication date: May 16, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: George Anthony Albero, Maharaj Mukherjee
  • Patent number: 11983710
    Abstract: Apparatus and methods for determining transaction transmission fidelity are provided. A sender may receive a transaction log including multiple transactions in two or more rows and two or more columns. The transaction log may be encrypted. Each of the transactions may be tagged. Each row and column of the transaction log may be hashed. The encrypted transaction log and the hash values may be transmitted to a recipient. The recipient may decrypt the transaction log and hash each row and column of the decrypted transaction log. The hash values may be compared and if there is a difference, a report or alert may be generated.
    Type: Grant
    Filed: July 8, 2022
    Date of Patent: May 14, 2024
    Assignee: Bank of America Corporation
    Inventors: George Albero, William August Stahlhut
  • Patent number: 11983563
    Abstract: Embodiments of the invention are directed to accurate resource interaction opportunity decisioning. Contextual information is extracted, in real-time or otherwise, which takes into account the circumstances surrounding the presentation of resource interaction opportunities to the potential user. A decisioning model from amongst a plurality of models is determined based on implementation of an explainability calculator that assesses the accuracy, peril and complexity of the models in relation to the resource interaction opportunity decisions rendered by the models. A relationship builder is implemented that is configured to build a relationship network amongst potential users and resource interaction opportunity providers and subsequently use the indirect relationships provided by the network as a basis for determining which resource interaction opportunity providers should provide resource interaction opportunities to the potential users.
    Type: Grant
    Filed: May 8, 2019
    Date of Patent: May 14, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Vinodh Sagayaraj Antoine, Sandeep Kumar Chauhan, Madhuri Aniruddha Deshpande
  • Patent number: 11983974
    Abstract: Systems, computer program products, and methods are described herein for secure location and device access utilizing an ultra-wideband signal of a user device and a system device. The invention generally comprises determining that a user has entered a secure environment, wherein the secure environment comprises a safe-deposit box associated with the user, automatically generating a digital authentication key in response determining that the user has entered the secure environment, verifying the digital authentication key as being linked to the user, and transmitting instructions to a safe-deposit box to unlock and provide access during the scheduled session.
    Type: Grant
    Filed: May 13, 2022
    Date of Patent: May 14, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Puneetha Polasa, Hope Barus, Sandeep Kumar Chauhan, Ana Morales, Sandra Ogden, Lee Ann Proud
  • Patent number: 11983719
    Abstract: An ATM equipped with forensic card reader identification validation is provided. The ATM may include a real ID card slot. The real ID card slot may accept real ID cards. The ATM may include a call communications module. The call communications module may communicate with a third-party network. Upon insertion of a real ID card at the ATM, the ATM may retrieve security details from the real ID card. The ATM may transmit the security details to the third-party network via the call communications module. The third-party network may verify the security details with one or more databases which are accessible by the third-party network. Upon failure to verify the security details, the third-party network may transmit a failed verification response to the ATM.
    Type: Grant
    Filed: March 24, 2023
    Date of Patent: May 14, 2024
    Assignee: Bank of America Corporation
    Inventor: Elvis Nyamwange
  • Patent number: 11983102
    Abstract: Embodiments of the invention are directed to machine learning-based anomaly detection in program code. The system provides a machine learning (ML) anomaly detection model component structured to detect architectural flaws in program code based on processing application logs associated with technology program code and determining flow sequences between a plurality of layers of code. In particular, the system trains the machine learning (ML) anomaly detection model that is structured to (i) construct a first application layer map based on mapping each of the plurality of first classes associated with the first technology program code to one or more application layers, (ii) determine a first architecture pattern associated with the first technology program code, and (iii) determine whether the first technology program code is associated with an anti-pattern.
    Type: Grant
    Filed: November 19, 2021
    Date of Patent: May 14, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Kadekoppa Kiran Rohithakshappa, Amit Mishra, Silpa Edappilly Santhosh, Richa Soni, Krithika Viswanathan
  • Patent number: 11983691
    Abstract: Embodiments of the present invention provide an intuitive platform for non-contact instructions regarding resource allocation. In this way, a user may utilize one or more specific gestures which are captured, analyzed, and responded to by the system of the invention in order to initiate or complete one or more resource activities such as a resource transfer, resource transfer split, or other resource action.
    Type: Grant
    Filed: July 27, 2022
    Date of Patent: May 14, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Geetika Lal, Sandeep Kumar Chauhan, Ramarao Gaddam, Anil Gajula, Koteswara Rao Venkata Magham, Suman Matury, Santosh Kumar Miryala, Ravikiran Subramanya Rao, Yash Sharma, Sudarshan Veeramreddy, Durgesh Singh Yadav