Patents Assigned to Bank of America Corporation
  • Publication number: 20240144607
    Abstract: A private data-less card device that enables augmented reality display of the private data on the card device. Characteristic of the private data-less card neither the front nor back facings of the card device have any private data used to initiate a resource event physically displayed thereon. The card device includes a wireless communication mechanism configured to wirelessly communicate at least one of card device-identifying data and user-identifying data to a mobile communication device to enable an augmented reality display of the private data superimposed over an image of the facing of the card device.
    Type: Application
    Filed: October 31, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Tai Tan Nguyen, Renuga Mohan, Preetimanda Pattanaik, Anupama Rao
  • Publication number: 20240146510
    Abstract: Systems, computer program products, and methods are described herein for distributed swarm based system for encryption key encryption using image processing. The present disclosure is configured to receive, from a first user input device, a user request from a first user to encrypt an encryption key; retrieve, from a key repository, the encryption key; encode the encryption key in an image; segment the image with the encryption key encoded therewithin into one or more image components; store the one or more image components in one or more end-point devices; and record information associated with the end-point devices corresponding to the encryption key in the key repository.
    Type: Application
    Filed: October 26, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Elvis Nyamwange
  • Publication number: 20240144237
    Abstract: Implementing augmented reality to display recovery and/or security options on a private data-less card device (i.e., card device that does not include private data visible on a card facing) that has been misplaced. A card device includes a wireless communication mechanism that is configured to communicate card device and/or user-identifying data to a mobile communication device in possession of a user that includes an application configured to verify that the user is not a rightful possessor/owner of the card device based on the card device and/or user-identifying data. In response, the application launches the image capturing device on the mobile communication device and an image is captured of either the front facing or the back facing of the card device. Consequently, the application presents an augmented reality display that includes activatable links superimposed in augmented reality form on the captured image of either the front facing or the back facing of the card device.
    Type: Application
    Filed: October 31, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Tai Tan Nguyen, Renuga Mohan, Preetimanda Pattanaik, Anupama Rao
  • Publication number: 20240146619
    Abstract: Systems, computer program products, and methods are described herein for proactive network infrastructure component monitoring and replacement. The present invention is configured to transmitting instructions to display a manager input portal via a graphical display of a user device; receiving input via the graphical display of the user device for one or more network components or constraint variables; initiating a logic algorithm to determine the effects of the one or more network components or constraint variables on an assignment list; generating an updated assignment list and analyze the updated assignment list in comparison with one or more prior versions to determine one or more changes; generating a link between the one or more changes and the received input; and using a machine learning algorithm, forecasting one or more additional changes in order to generate an optimized recommendation for the updated assignment list.
    Type: Application
    Filed: November 1, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Don Tordilla, William R. Conrad, Charles L. Costello
  • Publication number: 20240144227
    Abstract: Systems, computer program products, and methods are described herein for activity data transmission in real-time using alternative communication rails to skip processing touch points. Specifically, the systems, apparatuses, methods and computer program products of the present invention are directed to a secure platform for preemptive transformation and structuring of resource data at a resource instrument device and authentication of resource data for processing from the resource instrument device to an end point party in real time without requiring intermediary processing.
    Type: Application
    Filed: November 1, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Paul Martin Mattison, Matthew Edward Williams
  • Publication number: 20240143912
    Abstract: A system is provided for implementing technology infrastructure upgrades using an automated electronic data aggregation tool. In particular, the system may receive a request from an endpoint device to generate a technology remediation framework for remediating a technology infrastructure issue. In response to the request, the system may use an automated electronic data aggregation tool to receive data associated with the technology infrastructure issue from one or more data sources. The system may then automatically generate the technology remediation framework using the received data and present the framework to one or more users associated with the technology infrastructure issue. In this way, the system provides an efficient way to implement upgrades and remediate issues within a technology infrastructure.
    Type: Application
    Filed: October 31, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Erik Dahl, Pratap Dande, Rahul Yaksh, Vishwanath Prasad Karra, Steven Allan Reich, Tileshia Brenda Alford
  • Publication number: 20240144236
    Abstract: Augmented reality is implemented to display private data on a card device that does not include actual visible private data. The card device includes a wireless communication mechanism that is configured to communicate card device and/or user-identifying data to a mobile communication device in possession of a user. The mobile communication device includes an application that is configured to receive the card device and/or user-identifying data and verify that the user is a rightful possessor/owner of the card device. Once the user has been verified and, in some embodiments, authenticated, the application launches the image capturing device on the mobile communication device and an image is captured of either the front facing or the back facing of the card device. Consequently, the application presents an augmented reality display that includes the private data superimposed in augmented reality form on the captured image.
    Type: Application
    Filed: October 31, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Tai Tan Nguyen, Renuga Mohan, Preetimanda Pattanaik, Anupama Rao
  • Publication number: 20240143426
    Abstract: Systems, computer program products, and methods are described herein for early detection of operational failure in component-level functions within a computing environment.
    Type: Application
    Filed: January 10, 2024
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Ashok Kumar, Narsing Raj, Venkata Lakshmi Sai Siva Kumar Devulapalli
  • Publication number: 20240146736
    Abstract: Embodiments of the present invention provide a system for validating users in a virtual ecosystem based on stacking of digital resources. The system is configured for identifying initiation of a resource interaction between a first user and a second user in a digital ecosystem, receiving a verification request from at least one of the first user and the second user, prompting the first user and the second user to provide digital resources, receiving first number of stacked digital resources from the first user and second number of stacked digital resources from the second user, calculating a first score for the first user based on the first number of stacked digital resources, calculating a second score for the second user based on the second number of stacked digital resources, and processing the resource interaction based on inputs received from the first user and the second user in the digital ecosystem.
    Type: Application
    Filed: November 1, 2022
    Publication date: May 2, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Saurabh Gupta
  • Patent number: 11973663
    Abstract: Cognitive analysis, including artificial intelligence, is implemented to dynamically determine service discovery and service binding. Specifically, cognitive analysis is used to determine a client's capabilities and based on the capabilities, a service version is selected and coupled/bound to the client. As a result of such loose coupling/binding with service signatures, service version upgrade at the client is not mandatory in the event of a server-side service version upgrade.
    Type: Grant
    Filed: March 30, 2022
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Vijay Kumar Yarabolu
  • Patent number: 11972008
    Abstract: Apparatus and methods for integrating data from multiple computer-based communication platforms and dynamically adjusting search results for search queries received from each of the computer-based communication platforms in response to unique security settings is provided. The methods may include a system. The system may include a centralized database for receive indicators of concern (“IOCs”) from the communication platforms and tag each IOC with an identifier associated with a communication platform from which the IOC was received. The system may also include an API for modifying search queries received from the communication platforms and applying the modified search queries to the centralized database. The system may further include a dynamic filter for dynamically adjusting search results based at least in part on an originator of a search query.
    Type: Grant
    Filed: June 24, 2022
    Date of Patent: April 30, 2024
    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: 11971930
    Abstract: Aspects of the disclosure relate to a hybrid metaverse environment. A computing platform may synchronize, using edge nodes and with a physical repository server, a soft document repository. The computing platform may receive, via a metaverse application interface, an event processing request. The computing platform may identify, based on the event processing request and using a machine learning model, documents needed to execute the event processing request. The computing platform may update a request queue to identify the event processing request and the documents. The computing platform may access, using an edge node and via the soft document repository, the physical repository server to obtain document images corresponding to the identified documents, and may update a response queue to include the obtained document images. The computing platform may send, to an enterprise user device, a haptic alert indicating that the event processing request is ready for processing.
    Type: Grant
    Filed: August 18, 2022
    Date of Patent: April 30, 2024
    Assignee: Bank of America Corporation
    Inventors: Saurabh Arora, Sandeep Chauhan
  • Patent number: 11972482
    Abstract: The disclosure provides an intra-day/hourly balancing of a fund index. The disclosure includes retrieving the value of an underlying index at a first balancing point at a point in time that is close, in time, to the balancing point and determining the value of the underlying index at a second balancing point. If the value of the underlying index increased, then the method increases an exposure to the underlying index. If the value of the underlying index decreased, then the method decreases the exposure. The method may then compare the current trading volatility of the underlying index to a historic trading volatility. If the current volatility is greater than the historic volatility, then the method decreases the leverage of the intra-day index with respect to the underlying index. If the current volatility is less than the historic volatility, then the method increases the leverage.
    Type: Grant
    Filed: October 15, 2021
    Date of Patent: April 30, 2024
    Assignee: Bank of America Corporation
    Inventors: Raphael Thai-Binh Cyna, Jason Zahn, Runeet Kishore
  • Patent number: 11973849
    Abstract: Systems, computer program products, and methods are described herein for automated data sorting in an electronic network. The method includes receiving a primary tag designation corresponding to a recipient of a data transfer from an end-point device associated with a sending user. The method also includes providing the end-point device with sub-tag(s) associated with the primary tag designation. Each of the sub-tag(s) correspond to an individual category of the data transfer. The method further includes receiving the transfer data packet that includes the primary tag designation and at least one of the sub-tag(s). The transfer data packet indicates data to be transmitted to the recipient in the data transfer. The method also includes causing the data transfer to be executed. The data transfer includes the primary tag designation and the at least one of the one or more sub-tags included in the transfer data packet.
    Type: Grant
    Filed: June 22, 2023
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Vishal Patangia
  • Patent number: 11971900
    Abstract: A system for data processing using machine learning processing and distributed architecture is described. Specifically, proprietary data transformation rules to be applied for the data processing may be stored at edge computing devices, while the bulk of data processing may be performed at a central computing node that houses the databases. A subset of a data set, in the database, may be sent from the central computing node to the edge computing node. The edge computing node may generate a second data set based on applying data transformation rules to the subset of the data set. The central computing node may determine, using a machine learning (ML) algorithm and based on the subset of the data set and the second data set, the data transformation rules, which may then be applied to the rest of the data set.
    Type: Grant
    Filed: February 4, 2022
    Date of Patent: April 30, 2024
    Assignee: Bank of America Corporation
    Inventors: Raja Arumugam Maharaja, Khushbu Rani
  • Patent number: 11973833
    Abstract: Embodiments of the present invention provide a system for auto-segmentation of digital resources for facilitating resource processing events in a virtual ecosystem. The system is configured for identifying that a user is initiating a resource event, receiving resource credentials associated with entity resources and digital resources from the user, automatically performing Application Programming Interface (API) calls to verify that the user can perform the resource event, receiving an input from the user to use the entity resources as a first order of resource and the digital resources as a second order of resource for the resource event, determining that entirety of the entity resources do not meet resource value associated with the resource event, and automatically initiating segmentation of the digital resources.
    Type: Grant
    Filed: August 5, 2022
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Naga Vamsi Krishna Akkapeddi
  • Patent number: 11971806
    Abstract: Various systems, methods, and computer program products are provided for dynamically monitoring of changes in coding data. The method includes receiving an execution plan of a data model. The execution plan includes code including one or more processing steps of how data is transformed by the data model. The method also includes retrieving at least one stored code for the data model. The method further includes determining a code change determination value indicating the differences between the code of the data model received in the execution plan and the at least one stored code for the data model. The method further includes generating a code action based upon the code change determination value. The method also includes replacing the stored code for the data model with the code of the data model received in the execution plan in an instance the code change determination value is below a predetermined threshold.
    Type: Grant
    Filed: February 23, 2022
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Nevetha Jeyarajaboopathy, Vinotha Ayyakkannu, Ramesh Reddi
  • Patent number: 11973762
    Abstract: When a system tries to access a network (e.g., another system, an application, data, or the like) at least two-factor authentication may be used to validate the system. At least one authentication factor may include utilizing authentication credentials of the entity or system accessing the network. At least a second authentication factor may include using an environment hash of the system, which is a representation of the configuration (e.g., hardware, software, or the like) on the system trying to access the network. The environment hash may be compared to hash requirements (e.g., authorized environment hashes, unauthorized environment hashes, or the like) to aid in the validation. The system may only access the network when both the authentication credentials and the environment hashes meet requirements.
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: George Albero, Elijah Clark, Scot Lincoln Daniels, Emanuel David Guller, Konata Stinson, Rick Wayne Sumrall, Jake Michael Yara
  • Patent number: 11973764
    Abstract: Systems, computer program products, and methods are described herein for source independent but source value dependent transfer monitoring.
    Type: Grant
    Filed: May 25, 2023
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Steven Michael Twombly, Sara A. Walsh, Tony England, Robertson Walters Greenbacker, Bradley Ryan Holland
  • Patent number: 11973878
    Abstract: A comprehensive system for chain-of-custody for hardware devices and their components. Specifically, as the components, assemblies and the hardware device are manufactured and/or assembled, non-fungible tokens (NFTs) are generated for each component, assembly and the overall hardware device that indicate that the component, assembly or hardware device is in a certified/verified good state (i.e., have not been tampered with). The NFTs are generated using measured authenticity characteristics (e.g., electro-magnetic, heat, weight, dimensions and the like) of a corresponding component, assembly or hardware device as at least a portion of the input to the hash algorithm. The NFTs are subsequently communicated to a distributed trust computing network at which the nodes converge to verify an authenticity and certifiable state of the NFT, and blocks of data are generated within distributed ledgers that store the verified NFT.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: April 30, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Michael Robert Young