Patents by Inventor ANDREW DONGHO KIM
ANDREW DONGHO KIM has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11244312Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generation, deployment, and execution of a one-time abstraction coding network for resource deployment. The system may provide a single use code for a single anonymous resource distribution at any location. The system may provide a user with access to a one-time abstraction code to use to complete a resource distribution for event processing. The system may link to the entity associated with the event to process resource distribution via a system owned resource vehicle for complete anonymity of the user.Type: GrantFiled: November 13, 2019Date of Patent: February 8, 2022Assignee: BANK OF AMERICA CORPORATIONInventor: Andrew DongHo Kim
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Publication number: 20210142322Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generation, deployment, and execution of a one-time abstraction coding network for resource deployment. The system may provide a single use code for a single anonymous resource distribution at any location. The system may provide a user with access to a one-time abstraction code to use to complete a resource distribution for event processing. The system may link to the entity associated with the event to process resource distribution via a system owned resource vehicle for complete anonymity of the user.Type: ApplicationFiled: November 13, 2019Publication date: May 13, 2021Applicant: BANK OF AMERICA CORPORATIONInventor: Andrew DongHo Kim
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Patent number: 10972472Abstract: A system and method for providing an alternate treatment for an interaction with unauthorized users is provided. The system receives a request from a user to access information and further receives an authentication credential from the user, wherein the authentication credential is received from one or more user computer systems. The system determines that the user is an unauthorized user based on the authentication credential, and in response, provides an alternate treatment to the unauthorized user. Unauthorized user information is captured from the unauthorized user based on the alternate treatment; and used to generate a unique user identification profile for the unauthorized user. User profiles are further categorized for efficient application of additional alternate treatments.Type: GrantFiled: June 1, 2018Date of Patent: April 6, 2021Assignee: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200401689Abstract: A system provides resource monitoring and transmitting electronic alerts using event-based triggers. The system may determine, based on a user's identity, that the user requires additional security and monitoring products and/or services with respect to the user's account. In this regard, the system may continuously monitor the user's activity (e.g., to monitor a resource associated with the user account). The system may further define user events which may trigger the transmission of electronic alerts sent to computing devices of the user and/or third parties associated with the user.Type: ApplicationFiled: June 22, 2020Publication date: December 24, 2020Applicant: Bank of America CorporationInventors: Andrew DongHo Kim, Enrique L. Valdez
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Publication number: 20200329028Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200329043Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200329042Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200329027Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200329026Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200329029Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20200329030Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Applicant: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Patent number: 10798126Abstract: The invention relates generally to an alternate display generation based on user identification of unauthorized users. When the user is identified as an unauthorized user, the organization may present an alternative interface to the unauthorized user. The organization monitors how the unauthorized user utilizes the alternative interface, such as action requests that the unauthorized user may take through the use of the alternative interface. In response to any action requests from the unauthorized user, the organization may take alternative actions in order to make it seem that the unauthorized user was successful in the action request. In this way, the organization may monitor the use of the alternative interface by the unauthorized user, and capture additional information from the unauthorized user in order to identify, track, and/or prevent access by unauthorized users in the future.Type: GrantFiled: June 1, 2018Date of Patent: October 6, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Patent number: 10785214Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: GrantFiled: June 1, 2018Date of Patent: September 22, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Patent number: 10785220Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.Type: GrantFiled: June 1, 2018Date of Patent: September 22, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Patent number: 10728256Abstract: Systems, computer program products, and methods are described herein for elevated authentication model using cross-channel data. The present invention is configured to receive one or more exposure events from a detection system, wherein at least one of the one or more exposure events indicates that a user has failed an authentication requirement in at least one communication channel associated with the detection system; store the one or more exposure events in a centralized repository; determine one or more other communication channels across the one or more detection systems available for access to the user; and increase an authentication requirement of the user in the one or more other communication channels, wherein increasing the authentication requirement further comprises increasing an authentication level required to enable the user to access at least one of the one or more functions associated with at least one of the one or more applications.Type: GrantFiled: October 30, 2017Date of Patent: July 28, 2020Assignee: Bank of America CorporationInventors: Scott Anderson Sims, Kolt Arthur Bell, Michael Joseph Carroll, Andrew DongHo Kim, Elliot Piatetsky, Stephen M. Schneeweis, Michael E. Toth, Craig D. Widmann, Dharmender Kumar Satija, Sai Kishan Alapati
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Patent number: 10721246Abstract: Systems, computer program products, and methods are described herein for the creation of an exposure identification and distribution system for across silo channel integration. In this way, the system allows team integration of data across rails and silos for exposure identification. As such, the system generates a centralized repository for data and a communication linkage across the various systems used for identifying exposure and manipulated for linkage via a specific taxonomy overlay. Furthermore the system also includes logic that, when identification of a potential exposure indicate occurs, the system may communicate via distribution over the rails for integration and sharing for cross entity exposure identification.Type: GrantFiled: October 30, 2017Date of Patent: July 21, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Scott Anderson Sims, Kolt Arthur Bell, Michael Joseph Carroll, Andrew Dongho Kim, Elliot Piatetsky, Stephen M. Schneeweis, Michael E. Toth, Craig D. Widmann, Dharmender Kumar Satija, Sai Kishan Alapati, Hitesh J. Shah
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Patent number: 10616256Abstract: The invention describes a system and method employing machine learning and artificial intelligence engines to monitor data streams in real-time across multiple channels in order to detect anomalies and generate prioritized alerts. In particular, the invention may continuously collect data across multiple channels. The obtained data may be compared with reference data to continuously update a confidence level associated with the user, channel, entity, or other identifying factor. The invention may detect any inconsistencies in the data collected over time and generate an alert to the user in question and potentially to other downstream users or entities. In this way, the invention not only provides a way to detect anomalies in a cross-channel fashion, but also creates a mechanism for feedback wherein the system may incorporate user feedback to resolve alerts and detected anomalies.Type: GrantFiled: March 14, 2018Date of Patent: April 7, 2020Assignee: BANK OF AMERICA CORPORATIONInventors: Eren Kursun, Craig D. Widmann, Dharmender Kumar Satija, Andrew DongHo Kim, Shawn Parris Bench, Kolt Arthur Bell, Scott Anderson Sims
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Publication number: 20190372974Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.Type: ApplicationFiled: June 1, 2018Publication date: December 5, 2019Inventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20190372966Abstract: The invention relates to alternate user communication routing for a one-time credential. When a user is determined to be an unauthorized user, the unauthorized user may be provided with an alternative one-time credential (e.g., one-time password, or the like) in response to the user trying to take an action (e.g., to access the organization systems in order to access information). When the unauthorized user tries to utilize the alternative one-time credential, the organization may identify the user as unauthorized and determine how to respond to the unauthorized user. In addition to the alternative one-time credential, one or more additional alternate treatments may be presented to the unauthorized user in order to identify, track, and/or prevent access by the unauthorized user.Type: ApplicationFiled: June 1, 2018Publication date: December 5, 2019Inventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann
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Publication number: 20190372982Abstract: A system and method for providing an alternate treatment for an interaction with unauthorized users is provided. The system receives a request from a user to access information and further receives an authentication credential from the user, wherein the authentication credential is received from one or more user computer systems. The system determines that the user is an unauthorized user based on the authentication credential, and in response, provides an alternate treatment to the unauthorized user. Unauthorized user information is captured from the unauthorized user based on the alternate treatment; and used to generate a unique user identification profile for the unauthorized user. User profiles are further categorized for efficient application of additional alternate treatments.Type: ApplicationFiled: June 1, 2018Publication date: December 5, 2019Inventors: Dharmender Kumar Satija, Eren Kursun, Andrew DongHo Kim, Scott Anderson Sims, Craig D. Widmann