Patents Assigned to Bank of America Corporation
  • Publication number: 20240331707
    Abstract: Systems, computer program products, and methods are described herein for digital voice data processing and authentication. The present invention is configured to receive a user interaction comprising a digital audio signal and capture a first audio segment and a second audio segment of the digital audio signal. The first audio segment and the second audio segment are plotted into corresponding first and second plots. The first and second plots are compared, wherein comparing comprises subtracting the first plot from the second plot to form a difference plot. A quantity of outlier peaks is determined, then an artificial user probability is assigned to the user interaction, wherein the artificial user probability is low if the quantity of outlier peaks is greater than a predetermined outlier peak threshold. The artificial user probability is then displayed on a user interface of an endpoint device.
    Type: Application
    Filed: April 3, 2023
    Publication date: October 3, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: James J. Siekman, Tomas M. Castrejon, III, Sanjay Arjun Lohar, Kyle Mayers, Karen Stanek McFeeters
  • Publication number: 20240334070
    Abstract: An image processing platform may be configured to reduce user interface screen flickering and improve page loading speed. An image processing platform may process images based on determined image complexity. A decision engine may determine the number of image splits and type of parallel processing for an image. The determined image complexity may be based on a determined image complexity score. The system may include machine learning in connection with the decision engine results.
    Type: Application
    Filed: March 27, 2023
    Publication date: October 3, 2024
    Applicant: Bank of America Corporation
    Inventors: Yogi Ahuja, Shashi Rao
  • Publication number: 20240330728
    Abstract: Embodiments of the present invention provide a system for analyzing and executing incoming multi-channel network requests based on pre-generated channel weightages. The system is configured for receiving a network request from at least one network channel of a plurality of network channels, determining that the network request is a first time request, determining a weightage inductor for the network request via a quantum machine learning model executed via a quantum machine learning optimizer, assigning the weightage inductor to the network request and store the weightage inductor in a data repository, and processing the network request based on the weightage inductor by initiating a first set of processes.
    Type: Application
    Filed: March 30, 2023
    Publication date: October 3, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Ramesh Anantarapu, Srinivasa Rao Dakshinyam, Clara Paul, Vinod S.
  • Publication number: 20240333481
    Abstract: Arrangements for quantum-based encryption are provided. In some aspects, input data and a superposition collapse value associated with the input data may be received from a user computing device. In addition, the superposition collapse value may include a threshold percentage indicating a percentage of quantum bits to be collapsed. The input data may be converted into a set of quantum bits. Superpositions of the set of quantum bits may be collapsed based on the superposition collapse value. In addition, collapsing the superpositions may include forcing each quantum bit of the set of quantum bits to take a single value. An encoded result of the input data may be obtained by determining quantum states of the collapsed set of quantum bits. The encoded result of the input data may be converted into alphanumeric code and stored in a data store with the superposition collapse value associated with the input data.
    Type: Application
    Filed: March 30, 2023
    Publication date: October 3, 2024
    Applicant: Bank of America Corporation
    Inventors: Raghavendra Veerupakshappa, Umme Kulsum Shaik, John Dinakar Iruvanti, Nagaraja Peddi
  • Publication number: 20240330727
    Abstract: A system for dynamically analyzing and configuring nodes of a distributed network leveraging photonic quantum computing is provided. In particular, the system may be configured for identifying one or more nodes of a distributed register network, extracting metadata from the one or more nodes, monitoring the one or more nodes to detect changes to the one or more nodes, determining, via a deep learning network, anomalies associated with the one or more nodes based on the changes, determining target metrics and factors associated with the anomalies, creating simulation test scenarios based on the target metrics, factors, and anomalies, wherein the simulation test scenarios are associated with a plurality of configurations of the one or more nodes, executing the simulation test scenarios in parallel, via a quantum computer, and determining an optimal configuration for the one or more nodes from the plurality of configurations based on executing the simulation test scenarios.
    Type: Application
    Filed: March 27, 2023
    Publication date: October 3, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Shailendra Singh
  • Publication number: 20240330284
    Abstract: Systems, computer program products, and methods are described herein for script-based querying and aggregation of endpoint data via a directory access protocol. The present invention is configured to deploy a directory access protocol executor to a plurality of endpoint devices, determine an operating system for at least one of the plurality of endpoint devices, select a script to execute at the plurality of endpoint devices, and execute the script via the directory access protocol executor, wherein the script is executed as a login script, wherein the script determines a status of endpoint data at the endpoint, and wherein the endpoint data comprises endpoint tools currently available at the endpoint.
    Type: Application
    Filed: May 28, 2024
    Publication date: October 3, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Ambarish Regmi, Elizabeth Anne Bueche, Vineesh Chandran Pillai
  • Publication number: 20240330740
    Abstract: Systems, computer program products, and methods are described herein for monitoring and removing drift in machine learning models. The present disclosure is configured to receive, from one or more control automation modules, a data stream, wherein the data stream comprises data associated with the one or more control automation modules; transmit the data stream to a gauging and monitoring module; determine whether the data stream matches a declarative mapping protocol; determine one or more deviation instances in an instance in which the data stream does not match the declarative mapping protocol; determine one or more prescriptive actions for the one or more deviation instances; and implement, using an intelligence restoration module, the one or more prescriptive actions on the one or more control automation modules.
    Type: Application
    Filed: March 28, 2023
    Publication date: October 3, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Prashant Anna Bidkar, Ankit Upadhyaya, Prashant Khare, Parul Malik
  • Publication number: 20240330423
    Abstract: Real-time adjustment of the volume of passcode entry authentication attempts is performed based on systematic determinations of the likelihood that the passcode entrant is the rightful holder/user of the active passcode. Specifically, after an entered passcode has been determined to be incorrect, a determination is made as to the likelihood that the passcode entrant is the rightful holder of the active passcode and, based on such a determination, the number of authentication attempts afforded the passcode entrant is either increased, decreased or exhausted. Systematic determination of the likelihood that the passcode entrant is the rightful holder/user of the active passcode is accomplished by applying predetermined mismatched passcode rules and comparing machine learning (ML)-based user authentication behavior patterns to characteristics of the current authentication attempt.
    Type: Application
    Filed: March 28, 2023
    Publication date: October 3, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: George Anthony Albero, Maharaj Mukherjee
  • Patent number: 12105827
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for utilizing machine learning to identify data which is to be obfuscated in a format-preserving manner, which allows the obfuscated or masked data to appear as though it is original data. Because this type of obfuscation technique may require a higher degree of computational power than other techniques, there is a need to be able to dynamically choose when to implement format preservation based on a variety of factors. By using machine learning techniques, the present invention provides the functional benefit of analyzing both the data to be obfuscated, as well as available computational resources, to determine when it is appropriate to apply a format-preserving masking algorithm to the data. Accordingly, the present invention may ensure that organizational data is appropriately masked while preventing the resource strain associated with preserving the format of all original data.
    Type: Grant
    Filed: February 10, 2021
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Brandon Sloane, Charles Edward Dudley, Jinyoung Nathan Kim, Adriana Tache
  • Patent number: 12105582
    Abstract: A system is provided for code base sharing during computing application failure using a distributed register network. In particular, the system may comprise a plurality of computing application systems that are associated with one another and stored on a distributed register. In this regard, the distributed register may share a code base as well as processing logs for each application. The system may use a deep learning based machine learning process for identifying the dependencies, input data sources for each application, and expected data outputs. Accordingly, if an application experiences a failure, the payload of the failed application may be read and/or processed by another application to maintain the workflow. Furthermore, the system may use AI/ML processes to analyze the code base and/or system logs associated with application failures and generate recommendations for remediating failures.
    Type: Grant
    Filed: February 24, 2022
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Rajalakshmi Arumugam, Mahesh Ganesan
  • Patent number: 12106053
    Abstract: A system for condensing user communications relating to a topic is provided. The system may include a processor and a non-transitory memory. The processor may: designate a topic of user interest; retrieve legacy communications; and remove duplicative communications. The processor may form a topic-centric training set for a neural network. The topic-centric training set may be based on the legacy communications, legacy intelligence, and the plurality of outcomes and may be delimited by an analysis of the database. The processor may synthesize the neural network using the topic-centric training set in order to assign individual weights to each of a plurality of nodes in the neural network. In response to a selection of the topic of user interest, the processor may generate a plurality of user options based on the neural network. The system may include a display in order to prompt the user to select one of the options.
    Type: Grant
    Filed: April 18, 2022
    Date of Patent: October 1, 2024
    Assignee: Bank of America Corporation
    Inventors: Ramakrishna R. Yannam, Prejish Thomas, Steven Zhao, Saahithi Chillara, Rajan Jhaveri, Ryan Strug, Kurt R. Schultz, Priyank Shah
  • Patent number: 12105794
    Abstract: A system is provided for electronic data obfuscation and protection using independent destructible data objects. The system may split a set of data into a data portion and a key portion, where the data portion may be stored in a database separately from the key portion. The data portion may further comprise a set of executable code for a time or iteration based destructible data object, where the data object may incrementally decrease a countdown value based on the passage of time and/or iterations. If the countdown value reaches a threshold value without being refreshed, the data object may automatically execute one or more processes to protect the set of data. In this way, the system provides a secure way to prevent unauthorized access to sensitive data.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Brandon Sloane, John Howard Kling
  • Patent number: 12106275
    Abstract: Systems, computer program products, and methods are described herein for implementing resource access protocols within a networked medium. The present invention is configured to receive, from a second user input device of a second user, a request to access a resource in the metaverse; retrieve a non-fungible token (NFT) of the resource in response to the request; retrieve, from a licensing layer associated with the NFT of the resource, licensing rules associated with access to the resource; determine, using a valuation engine, a value associated with access to the resource based on at least the one or more licensing rules; receive, from the second user input device, an indication acknowledging the licensing rules and a digital transfer of an amount of funds corresponding to the value associated with the access to the resource; and authorize the second user input device to access the resource in the metaverse.
    Type: Grant
    Filed: November 23, 2021
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Jinna Zevulun Kim, Robert Nyeland Huggins
  • Patent number: 12105812
    Abstract: Various systems, methods, and computer program products are provided for complex data encryption. The method includes receiving a user input code from a computing device associated with a user. The user input code is one or more plaintext characters. The method also includes generating a first encrypted value using a first encryption algorithm based on the user input code. The method further includes decrypting the first encrypted value using one or more additional encryption algorithms. The one or more synthetic user input codes are generated by the decryption of the first encrypted value using each of the one or more additional encryption algorithms. The method still further includes determining a first encryption vulnerability score based on the value of the one or more synthetic user input codes. The method also includes causing a transmission of a user input code notification based on the first encryption vulnerability score.
    Type: Grant
    Filed: April 19, 2022
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Brandon Sloane, Sophie Morgan Danielpour, Serge Alejandro Neri, Lauren Jenae Alibey, James Thomas MacAulay, Jinyoung Nathan Kim
  • Patent number: 12106305
    Abstract: Systems, computer program products, and methods are described herein for enhanced authentication using voice modulation matching. The present invention is configured to capture, via a first user input device, a digital audio stream of speech data of a first user; receive one or more identification credentials associated with the first user; encode the speech data to generate encoded speech data; query one or more data repositories using the encoded speech data; in response, retrieve, encoded speech data associated with a second user that matches the encoded speech data of the first user; determine that the first user has a familial relationship with the second user; generate an authentication token for the first user based on at least determining that the first user has a familial relationship with the second user; and record the authentication token for the first user in a distributed ledger associated with the second user.
    Type: Grant
    Filed: January 4, 2022
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Durga Prasad Kutthumolu, Laxma Reddy Gavinolla, Mukesh Singh, Venkata Karthik Ryali, Sachin S. Nagvekar
  • Patent number: 12107719
    Abstract: Apparatus and methods for intelligently monitoring multiple bots for failure or predicted failure and notifying a user through a proximate Internet-of-Things (“IoT”) device are provided. A program may receive configuration files for each IoT device and access to monitor each bot. The program may monitor each bot through a resiliency scanner module. The program may generate a report about a failure or predicted failure of a bot. The program may activate a self-healing engine to attempt to heal the bot. The program may activate an event-stream engine. The event-stream engine may determine which IoT device to transmit a report and notify the user through that IoT device to the failure or predicted failure. The user may respond through the IoT device or another device.
    Type: Grant
    Filed: October 27, 2022
    Date of Patent: October 1, 2024
    Assignee: Bank of America Corporation
    Inventors: Siva Kumar Paini, Sudhakar Balu, Anup Kumar Kedia
  • Patent number: 12106118
    Abstract: A system is provided for automatically generating electronic artifacts using extended functionality. In particular, the system may use a template-based process to automatically generate artifacts based on a defined set of parameters and/or variables. The system may further use one or more plugins which may provide extended functionality with respect to the artifact generation process. Accordingly, the artifact generation process may include initializing a parameter list based on application parameters and/or plugin parameters, processing the parameters, generating variables based on the parameters, and replacing variables in scheme template files with appropriate values (e.g., user supplied or plugin generated values) to output an artifact file to a predetermined location. In this way, the system provides a robust and efficient way to automatically generate artifacts.
    Type: Grant
    Filed: November 7, 2023
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Douglas James Goddard, Sujit Kumar, Patrick Edward Neal, Paul Eric Hazboun, Juvenita Sheela Jothi Santha Kumar, Ananth M. Padmanabhan, George Wesley Cleveland
  • Patent number: 12106291
    Abstract: Systems, computer program products, and methods are described herein for electronic tokenization of resource distribution instruments. The present invention may be configured to receive, from a first entity channel, a request for a secure credential for a resource distribution instrument, where the first entity channel received the request from a user device associated with a user. The present invention may be configured to generate, in response to receiving the request, the secure credential and provide, to a resource distribution instrument network, the secure credential and instructions to configure the resource distribution instrument network. The instructions may configure the resource distribution instrument network to provide, in response to receiving a token request using the secure credential from a second entity system, a token for use by the second entity system during distributions between the user and the second entity system.
    Type: Grant
    Filed: February 25, 2022
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Jeetendra Hukmichand Jain
  • Patent number: 12106306
    Abstract: Real-time prevention of misappropriation and/or exposure assessment posed by a transaction at a POS terminal, especially those transactions in which it is not possible to otherwise definitively determine that a user/transactor is present at the POS terminal. AI is relied on, such as, a neural network implementing sequence modeling, to predict the likelihood that a user/transactor is present at the POS terminal. Location of a user is tracked via a designated mobile communication device and in instances in which a location of the mobile communication cannot be identified at the time of the transaction, the invention performs analysis based at least on the last-in-time location of the mobile communication device, the user's travel route leading up to the last-in-time location of the mobile communication device and other factors to predict a likelihood that the user is located at the POS terminal.
    Type: Grant
    Filed: November 3, 2021
    Date of Patent: October 1, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Tulasi Bhavani Nekkanti, Sunil Bhashetty, Satyabrata Pradhan
  • Patent number: 12106431
    Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.
    Type: Grant
    Filed: November 29, 2022
    Date of Patent: October 1, 2024
    Assignee: Bank of America Corporation
    Inventors: Sneha Padiyar, Nandini Rathaur, Sandeep Kumar Chauhan, Aditya Sharma