Patents Assigned to Bank of America
  • Publication number: 20200196144
    Abstract: Embodiments of the present invention provide a system for rapid bandwidth access deployment across multiple entities for secure, expedited bandwidth provisioning for entity connectivity. In this way, the invention provides a private, secure 5G connectivity network to generate specific remote points of connectivity for entity to entity connections. The 5G network may allow any user within the entity with authentication to connect from any random point-to-point faster, with much more time to transmit using an existing wave length within the 5G technology. Furthermore, in some embodiments, the system may provide a dedicated bandwidth pipeline that provides trades or communications within milliseconds for the entity users. This may be provided via a geographical location or the like and allow for 5G provisioning and presentment for faster than a traditional fiber based connectivity desired for entity communications.
    Type: Application
    Filed: May 31, 2019
    Publication date: June 18, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Todd Michael Goodyear, Jisoo Lee
  • Patent number: 10685396
    Abstract: An apparatus includes a code generator and a broadcaster. The code generator receives a first request from a first user and receives a second request from a second user. The code generator also generates, based on a first user role for the first user, a first segment of javascript code. The code generator also generates, based on a second user role for the second user, a second segment of javascript code. The code generator further communicates the first segment of the javascript code to a web browser of the first user and communicates the second segment of the javascript code to a web browser of the second user. The broadcaster receives a bid from the first user and communicates the bid to a server, the second user, and a third user.
    Type: Grant
    Filed: July 25, 2017
    Date of Patent: June 16, 2020
    Assignee: Bank of America Corporation
    Inventors: Brian Callahan, Jon Vernon
  • Patent number: 10685386
    Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: June 16, 2020
    Assignee: Bank of America Corporation
    Inventors: Willard H. Waldron, Victoria L. Dravneek, Katherine Dintenfass, Graham M. Wyllie, Kenneth A. Kaye, Heather Dolan
  • Patent number: 10685645
    Abstract: A method for creating binary classification models and using the binary classification models to select candidate training utterances from a plurality of live utterances is provided. The method may include receiving a plurality of intents and associated training utterances. The method may include creating, from the training utterances, a binary classification model for each intent. The binary classification model may include a vector representation of a line of demarcation between utterances associated with the intent and utterances disassociated from the intent. The method may also include receiving live utterances. An intent may be determined for each live utterance. The method may include creating a vector representation of the live utterance. The method may include selecting candidate training utterances based on a comparison between the vector representation of the live utterance and the vector representation included in the binary classification model of the intent determined for the live utterance.
    Type: Grant
    Filed: August 9, 2018
    Date of Patent: June 16, 2020
    Assignee: Bank of America Corporation
    Inventors: Maruthi Z. Shanmugam, Luis Gerardo Mojica de la Vega, Donatus Asumu
  • Patent number: 10684950
    Abstract: Embodiments of the present invention provide a system for triggering cross channel data caching. Historical event data and live event data of a user may be monitored to determine an expected event that comprises one or more expected channels. An expected period of time for the expected event may also be determined. Relevant user data may then be identified from one or more systems of record and cached or otherwise compressed. One or more adapters configured to format cached data into the one or more expected channels are then identified. The cached data is then transmitted to databases associated with each of the one or more expected channels, where the cached data is converted by the adapters. The cached data is then generally maintained in these databases for the expected period of time.
    Type: Grant
    Filed: March 15, 2018
    Date of Patent: June 16, 2020
    Assignee: Bank of America Corporation
    Inventors: Sandeep Kumar Chauhan, Sarat Kumar Magatapalli
  • Patent number: 10687273
    Abstract: An apparatus that matches one or more affiliates to a user includes a memory, a geofencing engine, an artificial intelligence engine, and processing circuitry communicatively coupled to each. The geofencing engine determines a current geofenced area of a mobile device of the user. The artificial intelligence engine determines anticipated needs of the user. The processing circuitry determines, using the affiliate database, a list of candidate affiliates for the current geofenced area, and transmits a query to an affiliate feed for the list of candidate affiliates, where the query is based at least in part on the anticipated need of the user. The processing circuitry determines a first affiliate and a second affiliate based on the query and receives query results for the first affiliate and the second affiliate from the affiliate feed. The results are transmitted to the mobile device for presentation in a user interface.
    Type: Grant
    Filed: March 19, 2019
    Date of Patent: June 16, 2020
    Assignee: Bank of America Corporation
    Inventors: Jayachandra Varma, Jesse S. Newsom, III, Jinna Z. Kim
  • Patent number: 10686684
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for individual application flow isotope tagging within a network infrastructure. In this regard, the invention is configured to construct a robotic process automation application structured to determine data flow associated with a first technology application within a myriad of data transmission flows between a plurality of network nodes of the network infrastructure. The invention configures a robotic process automation application for inserting a unique isotope tag string in data packets associated with first technology activity performed by the first technology application, prior to transmission from a source network node. The invention is configured to track, in real time, the current locations of the data packets among the multitude of data packets being transmitted in the network, based on the first unique isotope tag string.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: June 16, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Jim McCormack, Gerard P. Gay
  • Patent number: 10685569
    Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.
    Type: Grant
    Filed: March 2, 2018
    Date of Patent: June 16, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Mark Allan Nelson, Karen Lea MacQueen, Ashish B. Tajpuria, Steven Michael Twombly, Tony England
  • Publication number: 20200186523
    Abstract: The present disclosure is directed to a novel system for using unique device and user identifiers to perform authentication of a user, device, and/or transaction. In particular, the system may use device biometric profiles and/or user identifiers to generate a unique identifiable signature for each user and/or device. The unique signature may then be used to authenticate devices as well as transactions submitted by said devices. In this way, the system increases the security of device authentication by helping to prevent the use of device hijacking methods that exploit conventional authentication practices.
    Type: Application
    Filed: December 6, 2018
    Publication date: June 11, 2020
    Applicant: Bank of America Corporation
    Inventors: Eren Kursun, Neil David Zane
  • Publication number: 20200183663
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for user interface construction based on image segmentation, transformation of user interface image segments, and construction of user interface objects. The system is configured to capture a static image of a visual representation of an user interface (UI), wherein the static UI image comprises a visual representation of one or more UI image components of the UI. The system is further configured to segment the static UI image into one or more UI image segments, wherein each UI image segment is associated with a UI image component of the one or more UI image components, and construct an operational user interface by embedding the constructed first UI component object into the operational user interface.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: Bank of America Corporation
    Inventor: Madhusudhanan Krishnamoorthy
  • Publication number: 20200184435
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an interconnected resource distribution and retention network. The invention is structured for centralized or de-centralized network processing. In this way, the invention creates a network of interconnected agnostic resource distribution machines as nodes across a distributed network allowing resource distribution to customers across various entities. The system stores entity specific resource distribution machine interactive software. Upon user authentication into a resource distribution machine associated with the network, the system presents the user's entity specific resource distribution machine interactive software for user visualization and resource distribution completion.
    Type: Application
    Filed: December 7, 2018
    Publication date: June 11, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Bryan Lee Card, Robert William Powers, Richard Huw Thomas
  • Publication number: 20200186554
    Abstract: An electronic authorization system is typically configured for: receiving electronic activity requests from a plurality of source nodes; analyzing each of the electronic activity requests using a decisioning algorithm, wherein a decision boundary of the decisioning algorithm is dynamically altered while analyzing the electronic activity requests; for each of the electronic activity requests, determining an activity exposure level of the decision boundary based on (i) a distance to the decision boundary and (ii) an amount of information exposed regarding the decision boundary; for each of the plurality of source nodes, determining a source exposure level of the decision boundary based on the activity exposure levels of the decision boundary of the electronic activity requests; and in response to determining that a likelihood of decision boundary profiling by one or more first source nodes exceeds a defined threshold, performing an exposure remediation action.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: Bank of America Corporation
    Inventor: Eren Kursun
  • Publication number: 20200183668
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for cross-technology code analysis for redundancy identification and functionality recognition. In particular, the novel present invention provides a unique platform for analyzing software code across multiple coding language using a unique approach involving the use of denoising autoencoders. Embodiments of the inventions are configured to leverage a marginalized stacked denoising autoencoder approach to analyze software code, identify code redundancies, and improve efficiency for code storage and query ability by the use of a trained autoencoding module to autoencode software code attributes into vectorized data that can be compared to determine cross-platform functionality and redundancy within a software library.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Madhusudhanan Krishnamoorthy
  • Publication number: 20200184326
    Abstract: Systems, computer program products, and methods are described herein for de-conflicting data labeling in real-time deep learning systems. The present invention is configured to retrieve one or more dynamically generated expert profiles; and determine an optimal expert mix of experts to classify the transaction into a transaction types, wherein the expert profiles comprises: (i) shared information metrics, (ii) divergence metrics, (iii) characteristics associated with the one or more experts, (iv) a predictive accuracy of the one or more experts, (v) an exposure score associated with the one or more experts, and (vi) information associated with the transaction, wherein the optimal expert mix comprises: (i) a best expert for classifying the transaction, (ii) a combination score from at least the portion of the one or more experts evaluating the transaction simultaneously, and (iii) a sequence of at least the portion of the one or more experts analyzing the transaction.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Eren Kursun, William David Kahn
  • Publication number: 20200184053
    Abstract: Embodiments of the present invention provide a system for generative adversarial network training and feature extraction for biometric authentication. The system collects electronic biometric data of a user from one or more data sources, and stores the collected electronic biometric data as a biometric user profile for the user in a personal NoSQL database library associated with the user. A generative adversarial neural network system then determines improved biometric feature selection and improved model refinements for existing biometric authentication models based on the biometric profile for the user in the personal library associated with the user. The system can then determine user exposure levels for different authentication channels, including certain biometric authentication channels. A custom adversarial strategy for general adversarial network attacks is then established based on the user exposure levels to generate a biometric authentication process that is more accurate and secure.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: Bank of America Corporation
    Inventor: Eren Kursun
  • Publication number: 20200186509
    Abstract: The present disclosure is directed to a novel system for using unique device and user identifiers to perform authentication of a user, device, and/or transaction. In particular, the system may use a heterogeneous blockchain system comprising a series of non-uniform blockchain nodes that may differ in functionality and/or positions of hierarchy. Said non-uniform nodes may further be organized into groups and/or subgroups with custom weight inputs/outputs which alter the degree to which the nodes, groups, and/or subgroups influence the blockchain consensus. In this way, the system increases the security of device authentication by helping to prevent the use of device hijacking methods that exploit conventional authentication practices.
    Type: Application
    Filed: December 6, 2018
    Publication date: June 11, 2020
    Applicant: Bank of America Corporation
    Inventor: Eren Kursun
  • Publication number: 20200184314
    Abstract: Embodiments of the present invention provide a system for generating capsule neural networks for enhancing image processing platforms. The system is configured for generate capsule neural network based on instructions received form at least one user, transfer learning from an existing image processing platform to train the capsule neural network, receive input from one or more devices and provide the input to the existing image processing platform comprising a convolutional neural network, wherein the convolutional neural network processes the input, activate the capsule neural network to validate the processing of the convolutional neural network, and retrain the capsule neural network based on the validations associated with the convolutional neural network.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventor: Madhusudhanan Krishnamoorthy
  • Publication number: 20200184271
    Abstract: An artificial intelligence system and method leveraging deep learning technology for data pattern processing and identifying misappropriation are provided herein comprising a deep learning engine comprising a data patterning component and a reasoning component.
    Type: Application
    Filed: December 5, 2018
    Publication date: June 11, 2020
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Eren Kursun, Craig D. Widmann
  • Publication number: 20200186510
    Abstract: A system is provided which uses unique device and user identifiers to perform authentication of a user, device, and/or transaction. In particular, the system may use a heterogeneous blockchain system comprising a series of non-uniform blockchain nodes that may differ in functionality and/or positions of hierarchy. Said non-uniform nodes may further be organized into groups and/or subgroups with custom weight inputs/outputs which alter the degree to which the nodes, groups, and/or subgroups influence the blockchain consensus. In this way, the system increases the security of device authentication by helping to prevent unauthorized access to computing devices.
    Type: Application
    Filed: September 11, 2019
    Publication date: June 11, 2020
    Applicant: Bank of America Corporation
    Inventor: Eren Kursun
  • Patent number: 10678645
    Abstract: An architecture for a server build is provided. The architecture may include a plurality of execution stages which may be divided into a plurality of steps. Each of the execution stages may be implemented on a server to complete a server build request. The architecture may further include an execution stage selector configured to identify, within a plurality of servers, a server that may have an availability to execute the request. The selector may be further configured to execute the request on the available server and record the order of each of the plurality of steps within each of the plurality of execution stages being executed on the server. In response to a failure, the selector may be configured to pause execution, determine a failed step within the execution stage, analyze the prior executed steps, and determine any prior executed steps that the failed step may depend from.
    Type: Grant
    Filed: November 9, 2017
    Date of Patent: June 9, 2020
    Assignee: Bank of America Corporation
    Inventor: Sasidhar Purushothaman