Patents Assigned to Bank of America Corporation
  • Publication number: 20250118129
    Abstract: A method and system for detecting counterfeit money may include an automated teller machine (ATM) including an olfactory sensor configured to detect counterfeit notes and valid notes, an olfactory signature database comprising counterfeit note olfactory signatures and valid note olfactory signatures, wherein the ATM may be in communication with the olfactory signature database, and wherein the olfactory sensor via the ATM detects and transmits olfactory note signatures to the olfactory signature database, and wherein the ATM is configured to reject a detected counterfeit note for deposit.
    Type: Application
    Filed: October 10, 2023
    Publication date: April 10, 2025
    Applicant: Bank of America Corporation
    Inventors: Paul Mattison, Richard Brown, Ronald Schnittman, Carl Parziale
  • Publication number: 20250118029
    Abstract: Systems, computer program products, and methods are described herein for maintaining security of virtual objects in a distributed network. Some embodiments are directed to a system including a first artificial intelligence engine configured to determine viewing angles of avatars moving along access paths in a virtual world and a second artificial intelligence engine configured to determine movements of the avatars moving along the access paths in the virtual world. The system may include a third artificial intelligence engine configured to generate visual content based on attributes of users associated with the avatars, the access paths, the viewing angles of the avatars moving along the access paths in the virtual world, and the movements of the avatars moving along the access paths in the virtual world.
    Type: Application
    Filed: October 9, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Syed Najumudeen, Dalydas Karanath, Aravinth Selvamani
  • Publication number: 20250117846
    Abstract: Systems, computer program products, and methods are described herein for determining optimal resource transfer routing using quantum gateway optimization.
    Type: Application
    Filed: October 4, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Subburathinam Krishnan, Amit Mishra, Shailendra Singh, Krithika Viswanathan
  • Publication number: 20250119429
    Abstract: Systems, computer program products, and methods are described herein for maintaining security of virtual objects in a distributed network. Some embodiments are directed to a system including a first artificial intelligence engine configured to determine motives of users associated with avatars in a virtual world and a second artificial intelligence engine configured to determine access paths of the avatars in the virtual world. The system may include a third artificial intelligence engine configured to generate visual content based on attributes of the users, the motives of the users, and the access paths of the avatars. The system may be configured to detect diversions from access paths, determine updated motives of users, determine whether the diversions are permissible, and restrict movement of the avatar within the virtual world.
    Type: Application
    Filed: October 9, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Syed Najumudeen, Dalydas Karanath, Aravinth Selvamani
  • Publication number: 20250117248
    Abstract: Systems, computer program products, and methods are described herein for extraction of historical data in workflow automation platform architectures. The present disclosure is configured to introduce an advanced approach to historical data extraction from workflow automation platform architectures. At its core, it employs parallel processing, utilizing a multi-threaded asynchronous tool specifically designed within a workflow automation platform architecture framework. This ensures high performance and scalability, enabling easy extraction of large data volumes within designated system maintenance windows without impinging on system performance.
    Type: Application
    Filed: October 10, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Raj Surpur, Kashinath Gande, Lekshan Jayasinghe, Sai Saran Tripathy, Arun Chowdary Narne, Chandan Kumar
  • Publication number: 20250117212
    Abstract: A system is provided for automated computer software release validation and management. In particular, the system may receive and aggregate data from various computing resources within the network environment, such as computing applications. Based on the data, the system may determine which resources may be affected by a software release that is set to be deployed to the production environment. The system may further receive user inputs in the form of artifacts associated with one or more checkpoints used in a validation process associated with the software release. The system may then, through a reporting engine, provide a visualization of the data and checkpoints through a dashboard to provide a real-time status of the validation process. In this way, the system provides an efficient and transparent way to validate and manage computer software releases.
    Type: Application
    Filed: October 10, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Gary John Schrieber, Jennifer A. Mundle
  • Publication number: 20250117274
    Abstract: In conventional networked computing systems, stream-processing software is utilized to handle real-time data feeds. For example, a stream-processing software may sort incoming data feeds into data logs, which are then consumed by various application servers within the computing system. However, this consumption process is susceptible to failure as application servers often fail to consume a full payload of data comprising a particular message. As such, a need exists for a streaming architecture with improved fault tolerance. The system provided herein solves the problem via a reliable streaming process, which regularly generates partitions within a series of data lakes. As streaming data is received, the payloads are synced into the different data lakes based on metadata associated with the streaming data. The system can then perform individual quality checks on each partition of data, enabling the system to continuously monitor data quality over time.
    Type: Application
    Filed: October 9, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Arpan Agrawal, Sachin Bansode, Anshul Jain, Dinesh Kumar Kanchi Sridharan
  • Publication number: 20250117520
    Abstract: Systems, computer program products, and methods are described herein for identifying unauthorized use of a user's authentication credentials to an electronic network based on non-public data access. The present invention is configured to receive a verified access attempt at a first time for a user account; receive an unverified access attempt at a second time for the user account; determine the unverified access attempt is a credential sharing event for the user account; receive unverified account access logs associated with the unverified access attempt, the unverified account access logs comprising access to non-public data; and generate an unverified data access interface component to configure a graphical user interface of a device associated with a manager of the system.
    Type: Application
    Filed: December 19, 2024
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Marci Anne Landy, Daniel Joseph Serna, Tina Berumen Pachorek, Jessica Hope Thompson, Joseph Henry Pindell, JR., Mrunal Mody
  • Publication number: 20250117730
    Abstract: Systems, computer program products, and methods are described herein for detecting attrition in a distributed network using artificial intelligence. Some embodiments are directed to a system including a first artificial intelligence engine configured to determine indicators of relationships between users and entities and a second artificial intelligence engine configured to determine statuses of relationships between the users and the entities. The system may determine, using the first artificial intelligence engine, and based on data associated with interactions between a user and an entity, a plurality of indicators of a relationship between the user and the entity. The system may determine, based on the plurality of indicators, based on the data associated with the interactions between the user and the entity, and using the second artificial intelligence engine, a status of the relationship between the user and the entity.
    Type: Application
    Filed: October 4, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Michael J. Oberle, Robert M. McMillon, II, James Matthew West
  • Publication number: 20250117308
    Abstract: Systems, computer program products, and methods are described herein for determining a computing system's current state by implementing state machines and knowledge graphs in an electronic environment. The present disclosure is configured to identify at least one knowledge graph comprising a plurality of clusters associated with at least one computing system, each cluster comprises a plurality of state machines associated with the at least one computing system; identify data associated with the computing system; apply the data associated with the computing system to at least one state machine; generate at least one output associated with the computing system; compare the at least one output with at least one pre-defined output; generate a confidence level for the at least one current state attribute; and determine a current state attribute for the computing system, wherein the current state attribute defines a current state of the computing system.
    Type: Application
    Filed: October 4, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Maharaj Mukherjee
  • Publication number: 20250117268
    Abstract: Systems, computer program products, and methods are described herein for multi-platform interoperability in digital environments. The present disclosure is configured to receive one or more platforms, wherein the one or more platforms comprise multi-platform virtual reality, augmented reality, and extended reality environments. In some embodiments, receiving includes transferring the platform to a platforms operational layer. In some embodiments, the system may receive a central features repository dashboard, wherein the central features repository dashboard comprises one or more features. In some embodiments, the system may create a generate, integrate, and tailor (GINT) module, wherein the GINT module comprises a feature tailor, a feature integrator, and a feature generator; and aggregate, within the platforms operational layer, the one or more platforms, the central features repository dashboard, and the GINT module.
    Type: Application
    Filed: October 10, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Suryanarayan Parthasarathi Chakravarthi, Saisrikanth Chitty
  • Publication number: 20250117522
    Abstract: A system is provided for electronic data artifact testing using a hybrid centralized-decentralized computing platform. In particular, the system may comprise an artifact testing platform that may be accessed by users and computing devices within a network. Users may upload a data artifact to the artifact testing platform to be validated by the system. The system may then use a number of different validators (e.g., artificial intelligence-based modules) that may read the data artifact and/or the associated metadata and generate a confidence level based on the characteristics of the data artifact. The confidence levels from each validator may be aggregated to generate a final trust score for the data artifact. If the final trust score is below a first threshold, blocking the user computing device from opening the electronic file and if the final trust score is below a second threshold, performing network segmentation of the user computing device.
    Type: Application
    Filed: December 19, 2024
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Brandon Sloane, Julio Cesar Nunez
  • Publication number: 20250117104
    Abstract: Systems, computer program products, and methods are described herein for maintaining security of virtual objects in a distributed network. Some embodiments are directed to a system including a first artificial intelligence engine configured to determine motives of users associated with avatars in a virtual world and a second artificial intelligence engine configured to determine access paths of the avatars in the virtual world. The system may include a third artificial intelligence engine configured to determine viewing angles of the avatars moving along the access paths in the virtual world and a fourth artificial intelligence engine configured to generate visual content based on attributes of the users, the motives of the users, the access paths of the avatars, and the viewing angles of the avatars moving along the access paths in the virtual world.
    Type: Application
    Filed: October 9, 2023
    Publication date: April 10, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Syed Najumudeen, Dalydas Karanath, Aravinth Selvamani
  • Patent number: 12271509
    Abstract: A computing platform may train, using historical information classification information, an information classification model, which may configure the information classification model to classify information and identify, based on the classification, a storage location. The computing platform may receive, from a user device, a request to store information. The computing platform may identify, using the information classification model, a cloud based storage location for the information. The computing platform may generate an NFT representative of the first cloud based storage location. The computing platform may direct a cloud based storage system to store the information at the cloud based storage location. The computing platform may send, to the user device, the NFT. The computing platform may receive, from the user device, the NFT and a request to access the information. Based on validating the NFT, the computing platform may grant the user device access to the information.
    Type: Grant
    Filed: April 28, 2023
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Durga Prasad Kutthumolu, Shailendra Singh
  • Patent number: 12271899
    Abstract: Aspects of the disclosure relate to NFT exchanges. A computing platform may generate a plurality of F-NFTs including F-NFT identifiers that configure the F-NFTs for end-to-end tracking. The computing platform may extract, from a voice communication, information of a request to transfer an F-NFT. The computing platform may generate, based on the information of the request, a text file. The computing platform may input, into a GPT-4 algorithm, the text file to produce a F-NFT contract identifying the F-NFT, the transferor of the F-NFT, and a transferee of the F-NFT. The computing platform may send, to an NFT exchange platform, the F-NFT contract, which may cause the NFT exchange platform to transfer custody of the F-NFT from an account of the transferor at a first institution to an account of the transferee at a second institution.
    Type: Grant
    Filed: November 17, 2022
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Prashant Anna Bidkar, Ankit Upadhyaya, Prashant Khare, Subrojyoti Dey
  • Patent number: 12273338
    Abstract: An apparatus includes a memory and a processor. The memory stores biometric data obtained from an account holder at a first location and identification information provided by the account holder that was used to open an existing account at the first location. The processor receives, from a device, data corresponding to an applicant that includes biometric data obtained from the applicant at a second location and identification information provided by the applicant at the second location. The applicant is requesting to open a new account using the identification information at the second location. In response to receiving the applicant's data, the processor determines that the applicant's biometric data matches the account holder's biometric data. The processor also determines that the applicant's identification information does not match the account holder's identification information. In response, the processor transmits an alert to the device indicating that the applicant's identity could not be verified.
    Type: Grant
    Filed: October 20, 2020
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Neal Slensker, Joel R. Townsend, Daniel J. August, Kevin P. Thomsen
  • Patent number: 12271875
    Abstract: An ATM is configured to interact with a mobile device and provide user access to one or more of the banking services available at the ATM using the mobile device. Banking-related information may be viewed and/or input at the ATM using the mobile device. The ATM may have multiple vertical levels of deposit slots, withdrawal trays and/or receipt dispensers. A level at the ATM at which the user interacts with the ATM for deposits, withdrawals, or receipts may be selected. The level may be specified by the user of the mobile device, at the ATM or using the mobile device, or may be determined by the ATM.
    Type: Grant
    Filed: March 1, 2024
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Arjun Thimmareddy, Bryan T. King, Alexander S. Lee, Vaishnavi Varma, Tony Aidoo, Paula M. Booze, Ramesh B. Chandanala, William R. Conrad, Juliet Abdul-Aziz, Gerard P. Gay
  • Patent number: 12271831
    Abstract: According to certain embodiments, a routing system comprises a memory operable to store historical data associated with a plurality of previous data processing transactions and a processor operably coupled to a network interface and the memory. The processor is configured to obtain the historical data associated with the plurality of previous data processing transactions transacted using a first routing between a first computing system and a second computing system and determine a pattern based on the historical data, the pattern determined based on machine learning. The processor is further configured to associate the pattern with a second routing between the first computing system and the second computing system, determine an upcoming data processing transaction corresponding to the pattern, and use the second routing to transact the upcoming data processing transaction.
    Type: Grant
    Filed: June 4, 2021
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Pratap Dande, Vijaya L Vemireddy, Brandon Sloane, Jinna Z Kim, Kapil Chhibber, Robert Nyeland Huggins
  • Patent number: 12273362
    Abstract: A system includes a plurality of computing nodes that form a blockchain network, wherein one or more of the computing nodes is a metaverse computing node configured to generate a mixed reality environment. A processor of at least one computing node is configured to receive information relating to a suspicious data interaction associated with a data file of a user, simulate, based on the received information, the suspicious data interaction in a synthetic mixed reality environment that is substantially identical to the mixed reality environment, verify the suspicious data interaction while the simulated data interaction is being performed, when the suspicious data interaction cannot be verified, disable one or more future data interactions processed using the same smart contract used to process the suspicious data interaction, and when the suspicious data interaction is successfully verified, terminate the simulated data interaction and process the suspicious data interaction.
    Type: Grant
    Filed: June 10, 2022
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Sakshi Bakshi, Durga Prasad Kutthumolu
  • Patent number: 12273333
    Abstract: A system for transitioning an interaction session initiated within a metaverse to a real-world environment to complete the interaction session comprises a metaverse server in communication with an entity server. The metaverse server receives an interaction request from an avatar to initiate an interaction session with an entity within a virtual environment. The metaverse server generates an instruction token for a user instruction and a session identifier for the interaction session. The metaverse server obtains a user identity token from the entity and authorizes the avatar to interact with the entity. The metaverse server conducts the first interaction between the avatar and the entity and generates a first interaction token for the first interaction. The entity server validates the user identity token and the first interaction token from the user device in the real-world environment. The entity server conducts a second interaction with the user to complete the interaction session.
    Type: Grant
    Filed: February 15, 2023
    Date of Patent: April 8, 2025
    Assignee: Bank of America Corporation
    Inventors: Jatin Agrawal, Heather Dolan, Adithya Gadwale, Catalina Enciso, Akeem Perez