Patents by Inventor Michael Wm. Whitaker
Michael Wm. Whitaker 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: 12294576Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.Type: GrantFiled: March 14, 2024Date of Patent: May 6, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Patent number: 12294653Abstract: Adaptation/alteration of the digital file referenced to an underlying Non-Fungible Token (NFT). Adaptation/alteration of the digital file occurs via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to users to indicate a change in a state associated with a specific type of NFT. For example, the NFT may be an authentication NFT used to verify the identity of a user/users and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users.Type: GrantFiled: January 20, 2023Date of Patent: May 6, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Patent number: 12244553Abstract: Implementing artificial intelligence, specifically, machine learning techniques to identify malicious emails and, in response, identifying and conducting actions, including reporting the malicious emails to identified internal and/or external entities and preventing the malicious emails from being delivered to email client mailboxes. The machine learning techniques rely on malicious email patterns identified, at least, from previously identified malicious emails and data resulting from continuously crawling the Web and threat intelligence sources. Further, the email clients may be configured to include an add-on feature in which the user can provide a single input to report the email as being suspicious, which results in further analysis to determine whether the email is, in fact, a malicious email.Type: GrantFiled: June 13, 2022Date of Patent: March 4, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20240414155Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.Type: ApplicationFiled: March 14, 2024Publication date: December 12, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Patent number: 12099641Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for audiovisual conferencing. The system comprising video input and output devices, which allow a user to be viewed by and view other conference attendees and audio input and output devices that allow the user to be heard by and hear other conference attendees. Further, the system includes a noise mitigation to ensure that a user has privacy when attending a remote meeting in a public or semi-public place.Type: GrantFiled: July 22, 2022Date of Patent: September 24, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Angela Ianni, Shweta Ambulkar, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman
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Publication number: 20240311803Abstract: Generation of an NFT digital wallet that stores an NFT that serves as verified identity for the user. Both a private side/portion of the wallet having a private address and public side/portion of the wallet having a public address are generated. Additionally, a set of rules are configured that provide gateway functionality for receiving resource-related events using the private address. The public address is used for transmitting outgoing resource-related events and receiving incoming resource-related events, while the private address is used to validate at least some of the incoming resource-related events. The incoming resource-related events requiring validation is defined by the set of rules. In use, launching of the NFT digital wallet and user authentication via NFT presentation prompts presentation of the private side and outstanding incoming resource-related events awaiting validation.Type: ApplicationFiled: March 17, 2023Publication date: September 19, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Ravi Joshi, Shweta Ambulkar, Anna Kristen Pingel Berry, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20240311453Abstract: Systems, computer program products, and methods are described herein for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic network.Type: ApplicationFiled: March 17, 2023Publication date: September 19, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Ravi Joshi, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman, Shweta Ambulkar, Angela Ianni
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Publication number: 20240314127Abstract: Systems, computer program products, and methods are described herein for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network.Type: ApplicationFiled: March 17, 2023Publication date: September 19, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Ravi Joshi, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman, Shweta Ambulkar, Angela Ianni
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Publication number: 20240250818Abstract: Adaptation/alteration of the digital file referenced to an underlying Non-Fungible Token (NFT). Adaptation/alteration of the digital file occurs via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to users to indicate a change in a state associated with a specific type of NFT. For example, the NFT may be an authentication NFT used to verify the identity of a user/users and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users.Type: ApplicationFiled: January 20, 2023Publication date: July 25, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Patent number: 11985124Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.Type: GrantFiled: June 2, 2022Date of Patent: May 14, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20240106649Abstract: Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials.Type: ApplicationFiled: September 26, 2022Publication date: March 28, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Ravi Joshi, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20240028777Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for audiovisual conferencing. The system comprising video input and output devices, which allow a user to be viewed by and view other conference attendees and audio input and output devices that allow the user to be heard by and hear other conference attendees. Further, the system includes a noise mitigation to ensure that a user has privacy when attending a remote meeting in a public or semi-public place.Type: ApplicationFiled: July 22, 2022Publication date: January 25, 2024Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Olga Kocharyan, Angela Ianni, Shweta Ambulkar, Luqman Sharief, Michael Wm. Whitaker, Benjamin Daniel Hardman
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Publication number: 20230403247Abstract: Implementing artificial intelligence, specifically, machine learning techniques to identify malicious emails and, in response, identifying and conducting actions, including reporting the malicious emails to identified internal and/or external entities and preventing the malicious emails from being delivered to email client mailboxes. The machine learning techniques rely on malicious email patterns identified, at least, from previously identified malicious emails and data resulting from continuously crawling the Web and threat intelligence sources. Further, the email clients may be configured to include an add-on feature in which the user can provide a single input to report the email as being suspicious, which results in further analysis to determine whether the email is, in fact, a malicious email.Type: ApplicationFiled: June 13, 2022Publication date: December 14, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker
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Publication number: 20230396610Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.Type: ApplicationFiled: June 2, 2022Publication date: December 7, 2023Applicant: BANK OF AMERICA CORPORATIONInventors: Anna Kristen Pingel Berry, Shweta Ambulkar, Benjamin Daniel Hardman, Angela Ianni, Olga Kocharyan, Luqman Sharief, Michael Wm. Whitaker