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公开(公告)号：US20240020370A1
公开(公告)日：2024-01-18
申请号：US18373230
申请日：2023-09-26
Applicant: BANK OF AMERICA CORPORATION
Inventor： 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
IPC: G06F21/32 , H04L9/40 , G06V10/147 , G06V40/16 , H04N23/90
CPC classification number: G06F21/32 , H04L63/0861 , G06V10/147 , G06V40/168 , G06V40/172 , H04N23/90 , G06F2221/2111
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.
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公开(公告)号：US20200329043A1
公开(公告)日：2020-10-15
申请号：US16915371
申请日：2020-06-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06
Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.
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公开(公告)号：US20200329042A1
公开(公告)日：2020-10-15
申请号：US16915356
申请日：2020-06-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06
Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.
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公开(公告)号：US10733293B2
公开(公告)日：2020-08-04
申请号：US16774430
申请日：2020-01-28
Applicant: Bank of America Corporation
Inventor： Scott Anderson Sims , Kolt Arthur Bell , Michael Joseph Carroll , Elliot Piatetsky , Stephen M. Schneeweis , Craig D. Widmann , Dharmender Kumar Satija , Sai Kishan Alapati
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.
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公开(公告)号：US20190130098A1
公开(公告)日：2019-05-02
申请号：US15798159
申请日：2017-10-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Kolt Arthur Bell , Michael Joseph Carroll , Elliot Piatetsky , Stephen M. Schneeweis , Craig D. Widmann , Dharmender Kumar Satija , Sai Kishan Alapati
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.
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Patent Agency Ranking
公开(公告)号：US11816198B2
公开(公告)日：2023-11-14
申请号：US17223079
申请日：2021-04-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： 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
IPC: G06F21/32 , H04L9/40 , G06V10/147 , G06V40/16 , H04N23/90
CPC classification number: G06F21/32 , G06V10/147 , G06V40/168 , G06V40/172 , H04L63/0861 , H04N23/90 , G06F2221/2111
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.
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公开(公告)号：US20230089968A1
公开(公告)日：2023-03-23
申请号：US18072526
申请日：2022-11-30
Applicant: BANK OF AMERICA CORPORATION
Inventor： Scott Anderson Sims , Jeffrey Brian Bashore , Jeffrey David Finocchiaro , Craig Douglas Widmann
Abstract: Systems, computer program products, and methods are described herein for detection and classification of intrusion using machine learning techniques. The present invention is configured to electronically receive, from a computing device of a user, an indication that the user has initiated a first resource interaction; retrieve information associated with the first resource interaction, wherein the information comprises at least one or more parameters associated with the first resource interaction; initiate a machine learning model on the one or more parameters associated with the first resource interaction; and classify, using the machine learning model, the first resource interaction into one or more classes, wherein the one or more classes comprises one or more access types.
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公开(公告)号：US20220318348A1
公开(公告)日：2022-10-06
申请号：US17223079
申请日：2021-04-06
Applicant: BANK OF AMERICA CORPORATION
Inventor： 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
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.
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公开(公告)号：US11336646B2
公开(公告)日：2022-05-17
申请号：US16915371
申请日：2020-06-29
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06
Abstract: A system and methods for alternate user communication routing are described. Unauthorized users are identified and alternate treatments are provided in order to deter unauthorized access and create opportunities for data collection. The use of a varied set of alternate treatments provides an enhanced view of unauthorized user behavior and an increased ability to track future unauthorized user actions by recording various user identity/communication characteristics specific to known unauthorized users. Alternate treatments may be provided randomly based on a set of alternate treatments previously provided to a specific user, or may be varied based on an identified group of unauthorized users presumed to be acting in concert.
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公开(公告)号：US10972472B2
公开(公告)日：2021-04-06
申请号：US15995824
申请日：2018-06-01
Applicant: BANK OF AMERICA CORPORATION
Inventor： Dharmender Kumar Satija , Eren Kursun , Andrew DongHo Kim , Scott Anderson Sims , Craig D. Widmann
IPC: H04L29/06 , H04L12/725 , H04L12/707 , G06F21/31
Abstract: A system and method for providing an alternate treatment for an interaction with unauthorized users is provided. The system receives a request from a user to access information and further receives an authentication credential from the user, wherein the authentication credential is received from one or more user computer systems. The system determines that the user is an unauthorized user based on the authentication credential, and in response, provides an alternate treatment to the unauthorized user. Unauthorized user information is captured from the unauthorized user based on the alternate treatment; and used to generate a unique user identification profile for the unauthorized user. User profiles are further categorized for efficient application of additional alternate treatments.
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