Patents by Inventor Michael Joseph Carroll

Michael Joseph Carroll 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: 11962617
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for cross-channel network security with tiered adaptive mitigation operations. In this regard, the invention is structured for dynamic detection of security events associated with network devices and resources, and triggering real-time mitigation operations across a plurality of resource channels. The invention provides a novel method for employing activity data to construct and implement mitigation actions for de-escalating authorization tiers that are adapted to the specific attributes of the activity data, in order to prevent security exposure associated with the activity. Another aspect of the invention is directed to determining whether to continue the tiered adaptive mitigation actions and/or trigger a security proceed signal.
    Type: Grant
    Filed: March 3, 2021
    Date of Patent: April 16, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Michael Joseph Carroll, Jeffrey Brian Bashore, Joel Filliben, Andrew DongHo Kim, Akhilendra Reddy Kotha, Pavan Kumar Reddy Kotlo, Ronnie Joe Morris, Jr., Dharmender Kumar Satija, Michael Shih, Scott Anderson Sims, Craig D. Widmann
  • Patent number: 11895133
    Abstract: Embodiments of the present invention provide an innovative system, method, and computer program product for automated device activity analysis in both a forward and reverse fashion. A collaborative system for receiving data and continuously analyzing the data to determine emerging patterns associated with particular user devices is provided. The system is also designed to generate a historical query of user device touch points or interaction points with entity systems across multiple data vectors, and generate system alerts as patterns or potential issues are identified. Common characteristics of data may be used to detect patterns that are broadened in scope and used in a generative neural network approach.
    Type: Grant
    Filed: April 5, 2021
    Date of Patent: February 6, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Scott Anderson Sims, Jeffrey Brian Bashore, Michael Joseph Carroll, Christopher J. Cooley, Andrew DongHo Kim, Pavan Kumar Reddy Kotlo, Randy J. Nelson, Jennifer Quillen, Lizabeth Rosenberg, Dharmender Kumar Satija, James F. Stevens, Craig Douglas Widmann
  • Publication number: 20240020370
    Abstract: The present invention is generally related to systems and methods for providing an improved authentication and verification system through the use of compiled user data and user location or traffic data from multiple channels of input. Multiple devices may be utilized by the system in order to receive and process data to authenticate user identities and verify the validity of account activity.
    Type: Application
    Filed: September 26, 2023
    Publication date: January 18, 2024
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Scott Anderson Sims, Sai Kishan Alapati, Jeffrey Brian Bashore, Michael Joseph Carroll, Brian H. Corr, Andrew DongHo Kim, JR., Holly J. Martinez, Aron Megyeri, Ronnie Joe Morris, JR., Elliot Piatetsky, Jennifer Quillen, Tracy R. Regehr, Dharmender Kumar Satija, Craig Douglas Widmann
  • Patent number: 11816198
    Abstract: The present invention is generally related to systems and methods for providing an improved authentication and verification system through the use of compiled user data and user location or traffic data from multiple channels of input. Multiple devices may be utilized by the system in order to receive and process data to authenticate user identities and verify the validity of account activity.
    Type: Grant
    Filed: April 6, 2021
    Date of Patent: November 14, 2023
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Scott Anderson Sims, Sai Kishan Alapati, Jeffrey Brian Bashore, Michael Joseph Carroll, Brian H. Corr, Andrew Dongho Kim, Holly J. Martinez, Aron Megyeri, Ronnie Joe Morris, Jr., Elliot Piatetsky, Jennifer Quillen, Tracy R. Regehr, Dharmender Kumar Satija, Craig Douglas Widmann
  • Publication number: 20220400474
    Abstract: Embodiments of the present invention provide a secure edge device for contactless resource distribution and resource crediting from an automobile. In this way, the edge device may be affixed to or embedded within the side or the mirror of an automobile and be able to communicate with a third party device using near field communication. Upon authentication of a user, the edge device may communicate with the third party to transmit and present data about the resource distribution to the automobile display. The system allows for the user to select the resource distribution via the automobile display and provide a completion of resource distributions.
    Type: Application
    Filed: June 11, 2021
    Publication date: December 15, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Naoll Addisu Merdassa, Lalit Dhawan, Robert Nyeland Huggins, Pratap Dande, Michael Joseph Carroll, Brandon Sloane, Vijaya L. Vemireddy
  • Publication number: 20220318348
    Abstract: The present invention is generally related to systems and methods for providing an improved authentication and verification system through the use of compiled user data and user location or traffic data from multiple channels of input. Multiple devices may be utilized by the system in order to receive and process data to authenticate user identities and verify the validity of account activity.
    Type: Application
    Filed: April 6, 2021
    Publication date: October 6, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Scott Anderson Sims, Sai Kishan Alapati, Jeffrey Brian Bashore, Michael Joseph Carroll, Brian H. Corr, Andrew DongHo Kim, Holly J. Martinez, Aron Megyeri, Ronnie Joe Morris, JR., Elliot Piatetsky, Jennifer Quillen, Tracy R. Regehr, Dharmender Kumar Satija, Craig Douglas Widmann
  • Publication number: 20220321586
    Abstract: Embodiments of the present invention provide an innovative system, method, and computer program product for automated device activity analysis in both a forward and reverse fashion. A collaborative system for receiving data and continuously analyzing the data to determine emerging patterns associated with particular user devices is provided. The system is also designed to generate a historical query of user device touch points or interaction points with entity systems across multiple data vectors, and generate system alerts as patterns or potential issues are identified. Common characteristics of data may be used to detect patterns that are broadened in scope and used in a generative neural network approach.
    Type: Application
    Filed: April 5, 2021
    Publication date: October 6, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Scott Anderson Sims, Jeffrey Brian Bashore, Michael Joseph Carroll, Christopher J. Cooley, Andrew DongHo Kim, Pavan Kumar Reddy Kotlo, Randy J. Nelson, Jennifer Quillen, Lizabeth Rosenberg, Dharmender Kumar Satija, James F. Stevens, Craig Douglas Widmann
  • Publication number: 20220286476
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for cross-channel network security with tiered adaptive mitigation operations. In this regard, the invention is structured for dynamic detection of security events associated with network devices and resources, and triggering real-time mitigation operations across a plurality of resource channels. The invention provides a novel method for employing activity data to construct and implement mitigation actions for de-escalating authorization tiers that are adapted to the specific attributes of the activity data, in order to prevent security exposure associated with the activity. Another aspect of the invention is directed to determining whether to continue the tiered adaptive mitigation actions and/or trigger a security proceed signal.
    Type: Application
    Filed: March 3, 2021
    Publication date: September 8, 2022
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Michael Joseph Carroll, Jeffrey Brian Bashore, Joel Filliben, Andrew DongHo Kim, Akhilendra Reddy Kotha, Pavan Kumar Reddy Kotlo, Ronnie Joe Morris, JR., Dharmender Kumar Satija, Michael Shih, Scott Anderson Sims, Craig D. Widmann
  • Patent number: 10733293
    Abstract: Systems, computer program products, and methods are described herein for cross platform user event record aggregation system. The present invention is configured to receive one or more exposure events from one or more detection systems; determine that a combination of at least a portion of the one or more exposure events indicates an intrusion in at least one of the one or more detection systems, thereby requiring elevated review of each exposure event; initiate the elevated review based on at least the indication of the intrusion; determine whether the intrusion is benign or harmful; and re-train the machine learning algorithm based on at least determining whether the intrusion is benign or harmful, thereby adjusting the score for future incidents of each exposure event in the combination of at least a portion of the one or more exposure events.
    Type: Grant
    Filed: January 28, 2020
    Date of Patent: August 4, 2020
    Assignee: Bank of America Corporation
    Inventors: Scott Anderson Sims, Kolt Arthur Bell, Michael Joseph Carroll, Elliot Piatetsky, Stephen M. Schneeweis, Craig D. Widmann, Dharmender Kumar Satija, Sai Kishan Alapati
  • Patent number: 10728256
    Abstract: 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: Grant
    Filed: October 30, 2017
    Date of Patent: July 28, 2020
    Assignee: Bank of America Corporation
    Inventors: 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
  • Patent number: 10721246
    Abstract: 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: Grant
    Filed: October 30, 2017
    Date of Patent: July 21, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: 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
  • Publication number: 20200159919
    Abstract: Systems, computer program products, and methods are described herein for cross platform user event record aggregation system. The present invention is configured to receive one or more exposure events from one or more detection systems; determine that a combination of at least a portion of the one or more exposure events indicates an intrusion in at least one of the one or more detection systems, thereby requiring elevated review of each exposure event; initiate the elevated review based on at least the indication of the intrusion; determine whether the intrusion is benign or harmful; and re-train the machine learning algorithm based on at least determining whether the intrusion is benign or harmful, thereby adjusting the score for future incidents of each exposure event in the combination of at least a portion of the one or more exposure events.
    Type: Application
    Filed: January 28, 2020
    Publication date: May 21, 2020
    Applicant: Bank of America Corporation
    Inventors: Scott Anderson Sims, Kolt Arthur Bell, Michael Joseph Carroll, Elliot Piatetsky, Stephen M. Schneeweis, Craig D. Widmann, Dharmender Kumar Satija, Sai Kishan Alapati
  • Patent number: 10621341
    Abstract: Systems, computer program products, and methods are described herein for cross platform user event record aggregation system. The present invention is configured to receive one or more exposure events from one or more detection systems; determine that a combination of at least a portion of the one or more exposure events indicates an intrusion in at least one of the one or more detection systems, thereby requiring elevated review of each exposure event; initiate the elevated review based on at least the indication of the intrusion; determine whether the intrusion is benign or harmful; and re-train the machine learning algorithm based on at least determining whether the intrusion is benign or harmful, thereby adjusting the score for future incidents of each exposure event in the combination of at least a portion of the one or more exposure events.
    Type: Grant
    Filed: October 30, 2017
    Date of Patent: April 14, 2020
    Assignee: Bank of America Corporation
    Inventors: Scott Anderson Sims, Kolt Arthur Bell, Michael Joseph Carroll, Elliot Piatetsky, Stephen M. Schneeweis, Craig D. Widmann, Dharmender Kumar Satija, Sai Kishan Alapati
  • Publication number: 20190132328
    Abstract: 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: Application
    Filed: October 30, 2017
    Publication date: May 2, 2019
    Inventors: 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
  • Publication number: 20190130098
    Abstract: Systems, computer program products, and methods are described herein for cross platform user event record aggregation system. The present invention is configured to receive one or more exposure events from one or more detection systems; determine that a combination of at least a portion of the one or more exposure events indicates an intrusion in at least one of the one or more detection systems, thereby requiring elevated review of each exposure event; initiate the elevated review based on at least the indication of the intrusion; determine whether the intrusion is benign or harmful; and re-train the machine learning algorithm based on at least determining whether the intrusion is benign or harmful, thereby adjusting the score for future incidents of each exposure event in the combination of at least a portion of the one or more exposure events.
    Type: Application
    Filed: October 30, 2017
    Publication date: May 2, 2019
    Inventors: Scott Anderson Sims, Kolt Arthur Bell, Michael Joseph Carroll, Elliot Piatetsky, Stephen M. Schneeweis, Craig D. Widmann, Dharmender Kumar Satija, Sai Kishan Alapati
  • Publication number: 20190132336
    Abstract: 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: Application
    Filed: October 30, 2017
    Publication date: May 2, 2019
    Inventors: 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