Patents Assigned to Bank of America Corporation
  • Publication number: 20250106171
    Abstract: The present disclosure details systems and methods for homomorphic encryption-based data caching. This technology detects transaction patterns via a monitoring module that liaises with both a payment system and an entity system. Prior to its processing, transaction data is encrypted with a homomorphic encryption module. A dynamic interface, aligned with a local point-of-sale (POS) cache, prioritizes data based on current transaction metrics. If a recipient server is busy, the transaction data is rerouted, stored in the POS's local cache, and queued. The transaction's success is gauged against a predefined cut-off time. Unsuccessful transactions within this window are slated for batch processing, yet resource processing proceeds while awaiting this batch processing.
    Type: Application
    Filed: September 22, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Maneesh Sethia, Abhijit Behera, Shailendra Singh
  • Publication number: 20250106127
    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: September 22, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Arpan Agrawal, Sachin Bansode, Anshul Jain, Dinesh Kumar Kanchi Sridharan
  • Publication number: 20250103639
    Abstract: Systems, computer program products, and methods are described herein for machine learning-driven data record retrieval via stochastic expansion data querying. Data records and a query statement are received. Using a weighting model, a data vector for each of the data records and a query vector for the query statement are generated. A first similarity score for each data vector is determined. Rankings for the data records are generated. Based on the rankings, a grouping of data records is selected. Test vectors centered from the query vector are then generated stochastically. A second similarity score for each of the test vectors is determined. A subsequent query vector is determined based on a highest second similarity score. If metrics do not satisfy a predetermined stopping criteria, subsequent test vectors are generated stochastically. Ranked data records are then provided to a large language model.
    Type: Application
    Filed: September 27, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Yvonne Y. Li, Aaron Blogg, Nizar Naitlho
  • Publication number: 20250106117
    Abstract: Systems, computer program products, and methods are described herein for securing and emulating computing system configurations.
    Type: Application
    Filed: September 22, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Narsing Raj, John Bilton Kommu, Ashok Kumar, Aashish Chandrahas Vinherkar, Venkata Lakshmi Sai Siva Kumar Devulapalli
  • Publication number: 20250104498
    Abstract: Remote access to secured containers is provided by a user interface apparatus having an associated receptacle for receiving physical items delivered from and to the remote secured container. Delivery of the physical items to and from the user interface device's receptacle and the secure container may be accomplished by a robotic mechanism or the like. The user of the remote secured container access system pre-registers, such that presentation of the user credentials at the user interface apparatus provides the user options for receiving items for the secured container and delivering items. Moreover, the user credentials are associated with a secure container identifier and access credentials for gaining access to the secured area and/or the secured container, such that presentation of the user credentials provides identification of the secure container and access to the secured area and/or the secured container.
    Type: Application
    Filed: September 27, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Timothy Scott Murphy, Paul Martin Mattison
  • Publication number: 20250103848
    Abstract: Intelligent autonomous software (i.e., a “bot”) configured to compile and present resource advancement requestor-specific dashboards that summarize the results of analysis of resource advancement data related to the resource advancement request/requestor. In compiling a dashboard presentation for a specific resource advancement requestor, the intelligent autonomous software executes a set of predetermined queries directed to a database that stores the results of the data analysis. In response to receiving the responses to the queries, the intelligent autonomous software is configured to identify data omissions/anomalies in the data that will prevent approval of the resource advancement request and identify, and in some instances generate, corrective action(s) that will rectify the data omissions/anomalies.
    Type: Application
    Filed: September 25, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Pratap Dande, Amer Ali, Erik Dahl, Brian Neal Jacobson, Elvis Nyamwange, Rahul Shashidhar Phadnis, Sailesh Vezzu, Hari Vuppala, Rahul Yaksh
  • Publication number: 20250103986
    Abstract: Systems, computer program products, and methods are described herein for intelligent workflow management in robotic process automation (RPA). The present disclosure comprises a workflow replication subsystem configured to replicate a sequence of actions executed by an RPA bot in an application server; a fog computing subsystem operatively coupled to the workflow replication subsystem, wherein the fog computing subsystem is configured to extract metadata associated with execution of the sequence of actions; and an anomaly resolution subsystem operatively coupled to the fog computing subsystem and the workflow replication subsystem, wherein the anomaly resolution subsystem is configured to troubleshoot instances of interruptions in the execution of the sequence of actions, wherein the instances of interruptions comprise at least potential failures in at least one action yet to be executed by the RPA bot.
    Type: Application
    Filed: September 25, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Siva Kumar Paini, Sudhakar Balu, Sathya Thamilarasan
  • Publication number: 20250103462
    Abstract: Systems, computer program products, and methods are described herein for implementing a mixed reality apparatus to automatically and dynamically generate output based on source code. The present disclosure is configured to identify at least one source code statement; train the source code output machine learning model with the at least one source code statement; generate at least one input data for the at least one source code statement, the at least one input data is associated with an at least one expected output data; apply the at least one input data to the source code output machine learning model; output the at least one sample output data; transmit the at least one sample output data to a mixed reality apparatus; and compare the at least one sample output data and the at least one expected output data and determine whether the at least one source code statement is valid.
    Type: Application
    Filed: September 22, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Raja Arumugam Maharaja, Natrajan Sundaram
  • Patent number: 12260233
    Abstract: Methods and systems described herein for addressing issues associated with varying graph analytics tools that require different tool-specific coding languages. An artificial intelligence (AI) sub-system of various modules extracts metadata from a dataset and identifies nodes and relationships in the dataset using the metadata. The dataset is matched with a corresponding graph-analytics template in a data store, and a dynamic template modifier modifies the corresponding graph-analytics template. In some examples, the AI system generates smart guided videos with logical breakpoints that are embedded along with templates for quick learning and to build faster graphical analytics. The AI system includes a dynamic template modifier and a cognitive smart AI engine that includes a graph.
    Type: Grant
    Filed: November 2, 2022
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Siva Paini, Sakshi Bakshi
  • Patent number: 12260001
    Abstract: A system for processing an account transfer between two banking infrastructures are described. The system may comprise a plurality of computing nodes. Each of the computing nodes may be associated with a corresponding source chain. The source chains may in combination store a distributed hash table with account information for clients associated with multiple computing nodes. The system may enable communication between the different computing nodes, either directly or indirectly, to process transfer of information.
    Type: Grant
    Filed: April 18, 2022
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventor: Saurabh Uprit
  • Patent number: 12260461
    Abstract: Apparatus and methods for providing an electronic environment for enabling straight through processing (“STP”) of an advisor/client-adopted-illustration are provided. The environment includes a workstation. An interface screen is located on the workstation. The interface screen displays multiple illustrations. The interface screen may distinguish the differences between the two illustrations from like portions of the two illustrations. The interface screen may juxtapose, on the display, like portions of the two illustrations. An environment condition may include a requirement that each of the two illustrations includes a signature from the client. The environment may also include a communications module for transmitting an illustration request to a remote server, which may determine whether an advisor-selected characterization of the illustration is correct.
    Type: Grant
    Filed: March 8, 2022
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Karen Slayton, Lisa J. Decamp, Lawren L. Wacha, James M. O'Malley, Angela D. Thompson
  • Patent number: 12259873
    Abstract: Methods for enhancing compatibility of a document of an entity with an organization's database on a computer server to facilitate detection of a fraudulent submission. Methods may include receiving a populated document in a first format from the entity, using a processor to digitize the document into a digital format, such as bytes, and further into a second format, where the first format may not be compatible with the database and the second format may be compatible with the database. Methods may include using the processor, optionally running a statistical model, to determine an entity identifier, a predicted value of a data field in the document, and whether there is a difference between the value in the predicted data field and a corresponding value in the populated document. Methods may include implementing a corrective action, such as raising a fraud alert at the organization, when there is a difference.
    Type: Grant
    Filed: November 15, 2023
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: James Siekman, Aubrey Breon Farrar, Sr., Mohamed Faris Khaleeli, Patricia Ann Albritton, Sheila Page, Mark Alan Odiorne, Marcus R. Matos
  • Patent number: 12259869
    Abstract: Systems, computer program products, and methods are described herein for dynamic visual graph structure providing multi-stream data integrity and analysis. The present disclosure is configured to provide a reactive system aimed to trace the root cause of incidents and uncover potential gaps in security of an enterprise system. Maintaining accurate and meaningful information related to incidents is the key for success of data security protocols. The integrity of message data is kept intact for improved forensic investigation, as each database may keep varying information related to a single global session.
    Type: Grant
    Filed: February 15, 2023
    Date of Patent: March 25, 2025
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Vijay Kumar Yarabolu, Gowthaman Sundararaj
  • Patent number: 12259803
    Abstract: A system is configured to obtain information relating to a current application environment of a software application and build a plurality of model application environments based on the obtained information. The system runs the software application using the current application environment and each of the model application environments. The system collects a plurality of performance metrics related to performance of the software application in the current application environment and each of the model application environments while running in the simulated environment. The system generates a recommendation report based on the performance metrics, wherein the recommendation report comprises a recommendation of a different technology product for at least one of the technology components used in the current application environment, wherein the different technology product is different from a current technology product used for the at least one technology component in the current application environment.
    Type: Grant
    Filed: July 16, 2021
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Chirag Himatlal Rathod, Kalpesh Fatehchand Jain, Ramesh Lakshmi Narayanan, Satish Kumar Kommineni, Venkata Apparao Alla, Sasidhar Purushothaman
  • Patent number: 12260416
    Abstract: Methods for automating a submission of a compliance filing from an organization to a regulatory authority. Methods may include enhancing compatibility of a document submitted by an entity to an organization with the latter's database to facilitate automated submission of a compliance document. Methods may include receiving a populated document in a first format from the entity, using a processor to digitize the document into a digital format, such as bytes, and further into a second format, where the first format may not be compatible with the database and the second format may be compatible with the database. Methods may include updating the database with data from the document. Methods may include using the processor to run a statistical model to determine an appropriate compliance filing relating to change in information about the entity, to populate the compliance filing, and to submit the completed compliance filing with the regulatory authority.
    Type: Grant
    Filed: July 27, 2022
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: James Siekman, Aubrey Breon Farrar, Sr., Mohamed Faris Khaleeli, Patricia Ann Albritton, Sheila Page, Mark Alan Odiorne, Marcus R. Matos
  • Patent number: 12260855
    Abstract: Systems are provided for building semantic frames. Systems may include building a semantic frame using a machine learning algorithm. The algorithm may identify: an index number of a token, a semantic role classifier assigned to the token, a corresponding correlation value and an index number of one or more related tokens. The algorithm may also create a semantic frame using the identified information. Systems may include building semantic frames for multiple tokens within an utterance. Systems may include building semantic frames for a plurality of tokens within a plurality of utterances. The plurality of utterances may be components of a conversation. Systems may also include summarizing the conversation using the semantic frames.
    Type: Grant
    Filed: November 23, 2022
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Ramakrishna R. Yannam, Emad Noorizadeh, Rajan Jhaveri, Jennifer Russell
  • Patent number: 12261873
    Abstract: A system for network augmentation using virtual reality is provided. The system may include uploading data relating to a network, to a network augmentation system. The system may include retrieving data relating to network standards. The system may include retrieving data relating to historical network vulnerabilities. The system may include an artificial intelligence (“AI”) module. The AI module may be configured to analyze the network and determine possible network vulnerabilities. The AI module may be configured to output a three-dimensional map of the network to a display module. The three-dimensional map may be displayed on the display module. The three-dimensional map may include the identified possible network vulnerabilities. The system may be further configured to overlay solutions to the possible network vulnerabilities on the three-dimensional map.
    Type: Grant
    Filed: March 30, 2023
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Michael Young, Anthony D. Lange, Tarsha Salley, Joshua Shi, Madeline Deneen Fest, Adam King, Henrry Batista
  • Patent number: 12260469
    Abstract: The present invention generally relates to the field of automated and flexible information extraction and protection for graphical data. In particular, the invention provides a unique platform for analyzing, classifying, extracting, and processing information from images using deep learning image detection models. Embodiments of the inventions are configured to provide an end to end automated solution for intelligently hiding or obscuring private data from graphical displays via the use of embedded steganographic image data techniques.
    Type: Grant
    Filed: September 19, 2023
    Date of Patent: March 25, 2025
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Madhusudhanan Krishnamoorthy, Paramita De, Pawan Kumar Jha
  • Patent number: 12261778
    Abstract: Aspects of the disclosure relate to real-time management of data container generation, authorization, and throttling. In some embodiments, a computing platform may receive a first data container and retrieve a first data container management file associated with the first data container. The computing platform may then perform a first preliminary analysis of the first data container, including analyzing the first data container and the first data container management file to determine whether a first predetermined communication path requires additional throttling analysis. If additional throttling analysis is required, the computing platform may send analysis messages to a data container throttling module to extract a first communication entity listed in the first predetermined communication path.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Manu Kurian, Paul Roscoe, Padmanabhan Iyer, Mahesh Bhashetty
  • Patent number: 12260361
    Abstract: Aspects of the disclosure relate to intelligent bot performance tracking and analysis. A computing platform may receive a work queue of items to be processed using a bot. The computing platform may receive, in real-time with processing of the work queue using the bot, metadata associated with the work queue. Based on the metadata, the computing platform may assign, in real-time, a value metric associated with completion of each item in the work queue. Based on the assigned value metric, the computing platform may identify a robotic process automation cost associated with processing the work queue via the bot. The computing platform may compare, the robotic process automation cost to a cost to process the work queue via another operation, and determine a performance metric for the bot based on the comparison. The computing platform may dynamically generate and transmit, in real-time, an indication of the determined bot performance metric.
    Type: Grant
    Filed: September 29, 2023
    Date of Patent: March 25, 2025
    Assignee: Bank of America Corporation
    Inventors: Nye W. Allen, Desmond Ebanks, Sunil Melam