公开(公告)号：US11874823B1

公开(公告)日：2024-01-16

申请号：US17874714

申请日：2022-07-27

Applicant: Bank of America Corporation

Inventor： James Siekman ,  Aubrey Breon Farrar, Sr. ,  Mohamed Faris Khaleeli ,  Patricia Ann Albritton ,  Sheila Page ,  Mark Alan Odiorne ,  Marcus R. Matos

IPC: G06F16/00 ,  G06F16/23 ,  G06F21/62

CPC classification number: G06F16/2365 ,  G06F21/6218

Abstract: Methods for enhancing compatibility of a document of an entity with an organization's database on a computer server to facilitate detection of a fraudulent submission. Methods may include receiving a populated document in a first format from the entity, using a processor to digitize the document into a digital format, such as bytes, and further into a second format, where the first format may not be compatible with the database and the second format may be compatible with the database. Methods may include using the processor, optionally running a statistical model, to determine an entity identifier, a predicted value of a data field in the document, and whether there is a difference between the value in the predicted data field and a corresponding value in the populated document. Methods may include implementing a corrective action, such as raising a fraud alert at the organization, when there is a difference.

公开(公告)号：US20230134511A1

公开(公告)日：2023-05-04

申请号：US17453014

申请日：2021-11-01

Applicant: Bank of America Corporation

Inventor： Marcus R. Matos

IPC: H04L29/06

Abstract: Apparatus and methods for automating replacement and disablement of one-time password (“OTP”) generators are provided. The apparatus and methods may include an authentication engine on a server and an OTP generator that may generate a standard OTP or an enhanced OTP that includes additional information beyond the standard OTP. The authentication engine may analyze the additional information when an enhanced OTP is received, and in response to that additional information, execute an operation. The operation may include initiating the sending of a new OTP generator to a user when the OTP generator's battery is failing or the OTP generator has been damaged or disabling an OTP generator when the OTP generator has been tampered with.