Patents by Inventor Kevin Graham Robberts

Kevin Graham Robberts 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).

  • Publication number: 20250039168
    Abstract: 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: Application
    Filed: October 9, 2024
    Publication date: January 30, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Patent number: 12170657
    Abstract: 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: Grant
    Filed: July 29, 2021
    Date of Patent: December 17, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Publication number: 20240354384
    Abstract: 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: Application
    Filed: June 28, 2024
    Publication date: October 24, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Patent number: 12093357
    Abstract: 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: Grant
    Filed: July 29, 2021
    Date of Patent: September 17, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Patent number: 12095918
    Abstract: 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: Grant
    Filed: August 3, 2023
    Date of Patent: September 17, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Publication number: 20240244302
    Abstract: Embodiments of the present invention provide a system for embedding extractable metadata elements within a channel-agnostic layer of audio-visual content. The system is configured for receiving a content file, determining products displayed in the content file, and delivering resource metadata related to the products displayed in the content file in an interactive and secure manner. The invention may further include various ways in which to automatically display resource metadata in an intuitive manner in conjunction with streaming the content file to a user device via one or more platforms or channels.
    Type: Application
    Filed: January 17, 2023
    Publication date: July 18, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Naoll Addisu Merdassa, Brandon Ingram, Oscar Guzman, Kevin Graham Robberts, Hope Barus
  • Publication number: 20240244293
    Abstract: Embodiments of the present invention provide a system for analyzing using artificial intelligence engines depicted in audio visual content. The system is configured for determining that a user has accessed a first audio visual content on an audio visual content providing platform, performing a frame-by-frame analysis to determine one or more resources depicted in the first audio visual content, identifying one or more third party systems associated with the one or more resources, crawling the one or more third party systems associated with the one or more resources, extracting resource information associated with the one or more resources from the one or more third party systems based on crawling the one or more third party systems, and embedding the resource information associated with the one or more resources in the first audio visual content.
    Type: Application
    Filed: January 13, 2023
    Publication date: July 18, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Hope Barus, Oscar Guzman, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts
  • Patent number: 12015717
    Abstract: A system is provided for processing offline digital resource transfers using a hardware device based cryptographic application. In particular, the system may comprise a portable hardware device or chip that have a cryptographic application and key stored thereon. The hardware chip may further store information about a digital resource associated with the user. A user may, through a user computing device, initiate a digital resource transfer by retrieving a data record associated with the digital resource transfer from a terminal. The user computing device may then access the cryptographic application stored on the hardware chip, where the cryptographic application may use the cryptographic key to digitally sign the data record. In this way, the system provides a secure and efficient way to process offline digital resource transfers.
    Type: Grant
    Filed: December 8, 2021
    Date of Patent: June 18, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Kevin Graham Robberts
  • Publication number: 20240187383
    Abstract: 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: Application
    Filed: February 12, 2024
    Publication date: June 6, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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: 20240187382
    Abstract: 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 f
    Type: Application
    Filed: February 12, 2024
    Publication date: June 6, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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: 20240171612
    Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.
    Type: Application
    Filed: February 1, 2024
    Publication date: May 23, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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: 11966779
    Abstract: 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: Grant
    Filed: July 12, 2021
    Date of Patent: April 23, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Kevin Graham Robberts, Naoll Addisu Merdassa, Brandon Ingram, Ann Ta, Hosam Sonny ElHamahmy
  • Patent number: 11956218
    Abstract: 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: Grant
    Filed: December 17, 2021
    Date of Patent: April 9, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: 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: 11949573
    Abstract: 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: Grant
    Filed: December 16, 2021
    Date of Patent: April 2, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Patent number: 11949715
    Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.
    Type: Grant
    Filed: December 17, 2021
    Date of Patent: April 2, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: 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: 11902179
    Abstract: 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: Grant
    Filed: February 27, 2023
    Date of Patent: February 13, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: 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: 11880440
    Abstract: 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: Grant
    Filed: August 9, 2021
    Date of Patent: January 23, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Publication number: 20230379163
    Abstract: 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: Application
    Filed: August 3, 2023
    Publication date: November 23, 2023
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Patent number: 11792009
    Abstract: 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: Grant
    Filed: June 14, 2021
    Date of Patent: October 17, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Brandon Ingram, Naoll Addisu Merdassa, Kevin Graham Robberts, Ann Ta
  • Publication number: 20230269197
    Abstract: 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: Application
    Filed: February 27, 2023
    Publication date: August 24, 2023
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: 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