Patents by Inventor Ann Ta
Ann Ta 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).
-
Patent number: 12362934Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for onboarding digital content to a platform designed specifically for seamless creation and user-friendly management of non-fungible tokens. The invention allows for users with zero knowledge of decentralized protocols to leverage the benefits of such technologies by providing a system for uploading existing digital content, automating the creation of one or more non-fungible tokens, managing permissioned access to the non-fungible tokens, and facilitating the ownership transfer of the non-fungible tokens.Type: GrantFiled: July 12, 2021Date of Patent: July 15, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Ann Ta
-
Patent number: 12355731Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to: receive from a first user input device a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine that the first communication channel does not meet one or more preset channel requirements for secure communication; receive information regarding one or more user input devices associated with one or more communication channels; determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements; and trigger the second user input device to establish a communication link with the first user input device to form an alternate communication channel with the first user input device.Type: GrantFiled: February 12, 2024Date of Patent: July 8, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa
-
Patent number: 12341757Abstract: The present invention receives from a first user input device a resource transfer request via a first communication channel; determines that the first communication channel does not meet channel requirements for secure communication; determines whether other the communication channels associated with other input devices meet the channel requirements; determines user input devices whose communication channels does not meet the channel requirements; determines alternate communication channels for the user input devices whose communication channels does not meet the channel requirements using the user input devices whose communication channels meets the channel requirements; determines a second communication channel associated with a second user input device meeting the channel requirements; triggers the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the fType: GrantFiled: February 12, 2024Date of Patent: June 24, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa
-
Patent number: 12292951Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.Type: GrantFiled: June 28, 2024Date of Patent: May 6, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
-
System for dynamic communication channel switching based on preconfigured network security protocols
Patent number: 12294612Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.Type: GrantFiled: February 1, 2024Date of Patent: May 6, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa -
Publication number: 20250039168Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.Type: ApplicationFiled: October 9, 2024Publication date: January 30, 2025Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
-
Patent number: 12170657Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.Type: GrantFiled: July 29, 2021Date of Patent: December 17, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
-
Publication number: 20240354384Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.Type: ApplicationFiled: June 28, 2024Publication date: October 24, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
-
Patent number: 12124875Abstract: Embodiments of the present invention provide a system for facilitating creation, verification, and management of digital resources. The system is configured for receiving a digital content for upload to a distributed register from a user, via a user interface, receiving one or more instructions associated with distribution of the digital content from the user, via the user interface, creating one or more digital resources from the digital content via the user interface based on the one or more instructions received from the user, and storing the one or more digital resources on the distributed register.Type: GrantFiled: July 14, 2021Date of Patent: October 22, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Ann Ta
-
Patent number: 12095918Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.Type: GrantFiled: August 3, 2023Date of Patent: September 17, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
-
Patent number: 12093357Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.Type: GrantFiled: July 29, 2021Date of Patent: September 17, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
-
Publication number: 20240187383Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to: receive from a first user input device a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine that the first communication channel does not meet one or more preset channel requirements for secure communication; receive information regarding one or more user input devices associated with one or more communication channels; determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements; and trigger the second user input device to establish a communication link with the first user input device to form an alternate communication channel with the first user input device.Type: ApplicationFiled: February 12, 2024Publication date: June 6, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa
-
Publication number: 20240187382Abstract: The present invention receives from a first user input device a resource transfer request via a first communication channel; determines that the first communication channel does not meet channel requirements for secure communication; determines whether other the communication channels associated with other input devices meet the channel requirements; determines user input devices whose communication channels does not meet the channel requirements; determines alternate communication channels for the user input devices whose communication channels does not meet the channel requirements using the user input devices whose communication channels meets the channel requirements; determines a second communication channel associated with a second user input device meeting the channel requirements; triggers the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the fType: ApplicationFiled: February 12, 2024Publication date: June 6, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa
-
SYSTEM FOR DYNAMIC COMMUNICATION CHANNEL SWITCHING BASED ON PRECONFIGURED NETWORK SECURITY PROTOCOLS
Publication number: 20240171612Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.Type: ApplicationFiled: February 1, 2024Publication date: May 23, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa -
Patent number: 11966779Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.Type: GrantFiled: July 12, 2021Date of Patent: April 23, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Kevin Graham Robberts, Naoll Addisu Merdassa, Brandon Ingram, Ann Ta, Hosam Sonny ElHamahmy
-
Patent number: 11956218Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.Type: GrantFiled: December 17, 2021Date of Patent: April 9, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa
-
Patent number: 11949573Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.Type: GrantFiled: December 16, 2021Date of Patent: April 2, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Naoll Addisu Merdassa, Adam Frederick Perrigo, Lee Ann Proud, Kevin Graham Robberts, Christopher J. Smith, Ann Ta, Kathleen Hanko Trombley, Therese Humburg Willis
-
System for dynamic communication channel switching based on preconfigured network security protocols
Patent number: 11949715Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.Type: GrantFiled: December 17, 2021Date of Patent: April 2, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa -
Patent number: 11902179Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.Type: GrantFiled: February 27, 2023Date of Patent: February 13, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Therese Humburg Willis, Christopher J. Smith, Kathleen Hanko Trombley, Kevin Graham Robberts, Lee Ann Proud, Adam Frederick Perrigo, Ann Ta, Naoll Addisu Merdassa
-
Patent number: 11880440Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a scheme evaluation authentication system to evaluate user action and machine learned pattern recognition for misappropriation activity prevention. In this way, bot and token deployment is utilized for identification of user actions to generate a user idiosyncrasy database. Using the database, the system creates a real-time scheme evaluation authentication for user authentication upon user attempted authentications. As such, a user may by authenticate irrespective of user inputs, but instead based on a match of user actions at the authentication location in real-time compared to the idiosyncrasy database.Type: GrantFiled: August 9, 2021Date of Patent: January 23, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Joseph Benjamin Castinado, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta