Patents by Inventor Timothy Scott Murphy

Timothy Scott Murphy 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: 20260268334
    Abstract: Arrangements for universal self-service kiosk fraud detection are provided. A request for a transaction may be received via a self-service kiosk. The financial institution associated with the transaction may be identified as part of a consortium of financial institutions. Accordingly, a machine learning model particular to the consortium may be used to analyze the transaction. The model may output a determination of whether fraud or potential fraud exists in the transaction. In some examples, the machine learning model may be trained using historical transaction data from one or more financial institutions that are part of the consortium. If fraud is detected, one or more security actions associated with the transaction may be identified and executed. Further, one or more additional self-service kiosks that may be impacted by the fraud may be identified and security actions may be identified and transmitted to the one or more additional self-service kiosks for execution.
    Type: Application
    Filed: May 8, 2026
    Publication date: September 10, 2026
    Inventors: Jinna Kim, Paul Mattison, Timothy Scott Murphy, Kristoffer M. Bertsch
  • Patent number: 12706922
    Abstract: A system for monitoring threat models. The system stores test data that include activity data performed by two or more external sources. The test data includes data from at least one previous threat. The test data is updated with additional test data from at least one of two or more external sources. The additional test data includes new data associated with at least one new threat. The system receives two or more external sources from two or more threat models and implements them in a virtual test environment, which utilizes the two or more threat models to detect at least one previous threat and at least one new threat. When at least one of the two or more threat models does not detect the at least one new threat, an action is performed to modify it.
    Type: Grant
    Filed: April 15, 2024
    Date of Patent: August 11, 2026
    Assignee: Bank of America Corporation
    Inventors: George Albero, Jinna Kim, Maharaj Mukherjee, Timothy Scott Murphy
  • Publication number: 20260197349
    Abstract: A computing platform may train, using historical information access pattern information, a machine learning model to identify unauthorized information access patterns. The computing platform may obscure internal traffic pattern information, and monitor access of the obscured internal traffic pattern information. The computing platform may generate, by inputting information of the access into the machine learning model, a user evaluation output, and may compare the user evaluation output to a first user evaluation threshold. Based on identifying that the user evaluation output meets or exceeds the first user evaluation threshold, the computing platform may modify traffic routing rules corresponding to the user, which may cause activity by the user to be routed to a secure sandbox for further analysis.
    Type: Application
    Filed: March 4, 2026
    Publication date: July 9, 2026
    Inventors: George Anthony Albero, Maharaj Mukherjee, Jinna Kim, Timothy Scott Murphy
  • Publication number: 20260172410
    Abstract: Embodiments of the present invention provide a system for identifying and blocking synthetic media based misappropriation attempts associated with electronic communications. The system is configured for identifying initiation of an authentication request from a user device of a user, monitoring and recording user characteristics via the user device, capturing user environment data of the user, via the user device, analyzing either one or both the user characteristics and the user environment data of the user, via an artificial intelligence engine, determining, via the artificial intelligence engine, if the authentication request is a misappropriation attempt based on at least one of the user characteristics and the user environment data, and performing an action comprising authenticating the user based on determining that the authentication request is not a misappropriation attempt or denying authentication of the user based on determining that the authentication request is a misappropriation attempt.
    Type: Application
    Filed: February 10, 2026
    Publication date: June 18, 2026
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Sanjay Lohar, George Anthony Albero, Jinna Kim, Olga Kocharyan, Timothy Scott Murphy, Christopher Perez
  • Patent number: 12646069
    Abstract: Arrangements for universal self-service kiosk fraud detection are provided. A request for a transaction may be received via a self-service kiosk. The financial institution associated with the transaction may be identified as part of a consortium of financial institutions. Accordingly, a machine learning model particular to the consortium may be used to analyze the transaction. The model may output a determination of whether fraud or potential fraud exists in the transaction. In some examples, the machine learning model may be trained using historical transaction data from one or more financial institutions that are part of the consortium. If fraud is detected, one or more security actions associated with the transaction may be identified and executed. Further, one or more additional self-service kiosks that may be impacted by the fraud may be identified and security actions may be identified and transmitted to the one or more additional self-service kiosks for execution.
    Type: Grant
    Filed: August 3, 2023
    Date of Patent: June 2, 2026
    Assignee: Bank of America Corporation
    Inventors: Jinna Kim, Paul Mattison, Timothy Scott Murphy, Kristoffer M. Bertsch
  • Patent number: 12621282
    Abstract: Embodiments of the present invention provide a system for identifying and blocking synthetic media based misappropriation attempts associated with electronic communications. The system is configured for identifying initiation of an authentication request from a user device of a user, monitoring and recording user characteristics via the user device, capturing user environment data of the user, via the user device, analyzing the user characteristics and the user environment data of the user, via an artificial intelligence engine, determining, via the artificial intelligence engine, if the authentication request is a misappropriation attempt based on at least one of the user characteristics and the user environment data, and performing an action comprising authenticating the user based on determining that the authentication request is not a misappropriation attempt or denying authentication of the user based on determining that the authentication request is a misappropriation attempt.
    Type: Grant
    Filed: June 3, 2024
    Date of Patent: May 5, 2026
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Sanjay Lohar, George Anthony Albero, Jinna Kim, Olga Kocharyan, Timothy Scott Murphy, Christopher Perez
  • Patent number: 12609963
    Abstract: A computing platform may train, using historical information access pattern information, a machine learning model to identify unauthorized information access patterns. The computing platform may obscure internal traffic pattern information, and monitor access of the obscured internal traffic pattern information. The computing platform may generate, by inputting information of the access into the machine learning model, a user evaluation output, and may compare the user evaluation output to a first user evaluation threshold. Based on identifying that the user evaluation output meets or exceeds the first user evaluation threshold, the computing platform may modify traffic routing rules corresponding to the user, which may cause activity by the user to be routed to a secure sandbox for further analysis.
    Type: Grant
    Filed: July 31, 2023
    Date of Patent: April 21, 2026
    Assignee: Bank of America Corporation
    Inventors: George Anthony Albero, Maharaj Mukherjee, Jinna Kim, Timothy Scott Murphy
  • Publication number: 20260073061
    Abstract: A computing platform may generate a graphical user interface. The computing platform may embed, into the graphical user interface, steganography, which may include information corresponding to the graphical user interface that is not displayed on the graphical user interface. The computing platform may receive, from a user device of a user, an interface access request and user access credentials. The computing platform may identify, based on the user access credentials, access permissions of the user, which may define portions of the steganography to which the user has access. The computing platform may record, in a change log, interactions of the user with the graphical user interface. The computing platform may compare the interactions in the change log with the access permissions to identify whether or not unauthorized access is detected. Based on detecting the unauthorized access, the computing platform may initiate security actions for the graphical user interface.
    Type: Application
    Filed: November 17, 2025
    Publication date: March 12, 2026
    Inventors: George Albero, Maharaj Mukherjee, Jinna Kim, Timothy Scott Murphy
  • Publication number: 20260044601
    Abstract: Aspects related to an amalgamation platform providing concealed detection of code-passing using steganography are provided. An amalgamation platform may train a scoring engine to generate suspicion scores for code snippets and an amalgamation engine to generate execution scenarios for the code snippets. The platform may embed code in base code of a network using steganography. The platform may use the steganographic code to detect transmission of a code snippet. The platform may generate a suspicion score for the code snippet. The platform may update the scoring engine based on identifying the suspicion score satisfies a threshold. The platform may generate execution scenarios for the code snippet. The platform may determine a match between an execution scenario and a malicious code scenario. The platform may identify the code snippet as malicious and update the amalgamation engine based on the match. The platform may initiate security actions based on the match.
    Type: Application
    Filed: October 20, 2025
    Publication date: February 12, 2026
    Inventors: Timothy Scott Murphy, George Albero, Maharaj Mukherjee, Jinna Kim
  • Patent number: 12530473
    Abstract: A computing platform may generate a graphical user interface. The computing platform may embed, into the graphical user interface, steganography, which may include information corresponding to the graphical user interface that is not displayed on the graphical user interface. The computing platform may receive, from a user device of a user, an interface access request and user access credentials. The computing platform may identify, based on the user access credentials, access permissions of the user, which may define portions of the steganography to which the user has access. The computing platform may record, in a change log, interactions of the user with the graphical user interface. The computing platform may compare the interactions in the change log with the access permissions to identify whether or not unauthorized access is detected. Based on detecting the unauthorized access, the computing platform may initiate security actions for the graphical user interface.
    Type: Grant
    Filed: September 8, 2023
    Date of Patent: January 20, 2026
    Assignee: Bank of America Corporation
    Inventors: George Albero, Maharaj Mukherjee, Jinna Kim, Timothy Scott Murphy
  • Patent number: 12511390
    Abstract: Aspects related to an amalgamation platform providing concealed detection of code-passing using steganography are provided. An amalgamation platform may train a scoring engine to generate suspicion scores for code snippets and an amalgamation engine to generate execution scenarios for the code snippets. The platform may embed code in base code of a network using steganography. The platform may use the steganographic code to detect transmission of a code snippet. The platform may generate a suspicion score for the code snippet. The platform may update the scoring engine based on identifying the suspicion score satisfies a threshold. The platform may generate execution scenarios for the code snippet. The platform may determine a match between an execution scenario and a malicious code scenario. The platform may identify the code snippet as malicious and update the amalgamation engine based on the match. The platform may initiate security actions based on the match.
    Type: Grant
    Filed: October 2, 2023
    Date of Patent: December 30, 2025
    Assignee: Bank of America Corporation
    Inventors: Timothy Scott Murphy, George Albero, Maharaj Mukherjee, Jinna Kim
  • Publication number: 20250373591
    Abstract: Embodiments of the present invention provide a system for identifying and blocking synthetic media based misappropriation attempts associated with electronic communications. The system is configured for identifying initiation of an authentication request from a user device of a user, monitoring and recording user characteristics via the user device, capturing user environment data of the user, via the user device, analyzing the user characteristics and the user environment data of the user, via an artificial intelligence engine, determining, via the artificial intelligence engine, if the authentication request is a misappropriation attempt based on at least one of the user characteristics and the user environment data, and performing an action comprising authenticating the user based on determining that the authentication request is not a misappropriation attempt or denying authentication of the user based on determining that the authentication request is a misappropriation attempt.
    Type: Application
    Filed: June 3, 2024
    Publication date: December 4, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Sanjay Lohar, George Anthony Albero, Jinna Kim, Olga Kocharyan, Timothy Scott Murphy, Christopher Perez
  • Publication number: 20250323922
    Abstract: A system for monitoring threat models. The system stores test data that include activity data performed by two or more external sources. The test data includes data from at least one previous threat. The test data is updated with additional test data from at least one of two or more external sources. The additional test data includes new data associated with at least one new threat. The system receives two or more external sources from two or more threat models and implements them in a virtual test environment, which utilizes the two or more threat models to detect at least one previous threat and at least one new threat. When at least one of the two or more threat models does not detect the at least one new threat, an action is performed to modify it.
    Type: Application
    Filed: April 15, 2024
    Publication date: October 16, 2025
    Inventors: George Albero, Jinna Kim, Maharaj Mukherjee, Timothy Scott Murphy
  • Patent number: 12335294
    Abstract: A system is provided for containerization-based countermeasures to cybersecurity vulnerabilities. In particular, the system may generate one or more containers (e.g., virtual environments), where each container may be configured to execute one or more tasks. At least a portion of the containers may be decoy containers that may be executing one or more decoy tasks. The system may then use a randomized process to change which containers are decoy and/or which tasks or jobs are executed within each container. Each container may be associated with a cryptographic key such that each container may be hashed by the system and compared against a reference hash associated with the container. If the hash has changed, the system may determine that the container has been modified and subsequently implement one or more intelligent remediation processes.
    Type: Grant
    Filed: March 8, 2023
    Date of Patent: June 17, 2025
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: George Anthony Albero, Kristoffer Matthew Bertsch, Jinna Zevulun Kim, Maharaj Mukherjee, Timothy Scott Murphy
  • Publication number: 20250111050
    Abstract: Aspects related to an amalgamation platform providing concealed detection of code-passing using steganography are provided. An amalgamation platform may train a scoring engine to generate suspicion scores for code snippets and an amalgamation engine to generate execution scenarios for the code snippets. The platform may embed code in base code of a network using steganography. The platform may use the steganographic code to detect transmission of a code snippet. The platform may generate a suspicion score for the code snippet. The platform may update the scoring engine based on identifying the suspicion score satisfies a threshold. The platform may generate execution scenarios for the code snippet. The platform may determine a match between an execution scenario and a malicious code scenario. The platform may identify the code snippet as malicious and update the amalgamation engine based on the match. The platform may initiate security actions based on the match.
    Type: Application
    Filed: October 2, 2023
    Publication date: April 3, 2025
    Inventors: Timothy Scott Murphy, George Albero, Maharaj Mukherjee, Jinna Kim
  • Publication number: 20250104498
    Abstract: Remote access to secured containers is provided by a user interface apparatus having an associated receptacle for receiving physical items delivered from and to the remote secured container. Delivery of the physical items to and from the user interface device's receptacle and the secure container may be accomplished by a robotic mechanism or the like. The user of the remote secured container access system pre-registers, such that presentation of the user credentials at the user interface apparatus provides the user options for receiving items for the secured container and delivering items. Moreover, the user credentials are associated with a secure container identifier and access credentials for gaining access to the secured area and/or the secured container, such that presentation of the user credentials provides identification of the secure container and access to the secured area and/or the secured container.
    Type: Application
    Filed: September 27, 2023
    Publication date: March 27, 2025
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Timothy Scott Murphy, Paul Martin Mattison
  • Publication number: 20250086294
    Abstract: A computing platform may generate a graphical user interface. The computing platform may embed, into the graphical user interface, steganography, which may include information corresponding to the graphical user interface that is not displayed on the graphical user interface. The computing platform may receive, from a user device of a user, an interface access request and user access credentials. The computing platform may identify, based on the user access credentials, access permissions of the user, which may define portions of the steganography to which the user has access. The computing platform may record, in a change log, interactions of the user with the graphical user interface. The computing platform may compare the interactions in the change log with the access permissions to identify whether or not unauthorized access is detected. Based on detecting the unauthorized access, the computing platform may initiate security actions for the graphical user interface.
    Type: Application
    Filed: September 8, 2023
    Publication date: March 13, 2025
    Inventors: George Albero, Maharaj Mukherjee, Jinna Kim, Timothy Scott Murphy
  • Publication number: 20250045759
    Abstract: Arrangements for universal self-service kiosk fraud detection are provided. A request for a transaction may be received via a self-service kiosk. The financial institution associated with the transaction may be identified as part of a consortium of financial institutions. Accordingly, a machine learning model particular to the consortium may be used to analyze the transaction. The model may output a determination of whether fraud or potential fraud exists in the transaction. In some examples, the machine learning model may be trained using historical transaction data from one or more financial institutions that are part of the consortium. If fraud is detected, one or more security actions associated with the transaction may be identified and executed. Further, one or more additional self-service kiosks that may be impacted by the fraud may be identified and security actions may be identified and transmitted to the one or more additional self-service kiosks for execution.
    Type: Application
    Filed: August 3, 2023
    Publication date: February 6, 2025
    Inventors: Jinna Kim, Paul Mattison, Timothy Scott Murphy, Kristoffer M. Bertsch
  • Publication number: 20250047708
    Abstract: A computing platform may train, using historical information access pattern information, a machine learning model to identify unauthorized information access patterns. The computing platform may obscure internal traffic pattern information, and monitor access of the obscured internal traffic pattern information. The computing platform may generate, by inputting information of the access into the machine learning model, a user evaluation output, and may compare the user evaluation output to a first user evaluation threshold. Based on identifying that the user evaluation output meets or exceeds the first user evaluation threshold, the computing platform may modify traffic routing rules corresponding to the user, which may cause activity by the user to be routed to a secure sandbox for further analysis.
    Type: Application
    Filed: July 31, 2023
    Publication date: February 6, 2025
    Inventors: George Anthony Albero, Maharaj Mukherjee, Jinna Kim, Timothy Scott Murphy
  • Publication number: 20240354729
    Abstract: Arrangements for a universal self-service kiosk platform are provided. In some aspects, registration data may be received from a plurality of enterprise organizations and may include self-service kiosk configuration data for each enterprise organization. A request to associate a self-service kiosk with a first enterprise organization may be received and may include identification of the first enterprise organization and the self-service kiosk. In response, a self-service kiosk configuration associated with the first enterprise organization may be retrieved and an instruction causing the self-service kiosk to implement the self-service kiosk configuration associated with the first enterprise organization may be generated. The instruction may be transmitted to the self-service kiosk.
    Type: Application
    Filed: April 18, 2023
    Publication date: October 24, 2024
    Inventors: Paul Mattison, Jinna Kim, Timothy Scott Murphy, Matthew Williams