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公开(公告)号：US11948157B2
公开(公告)日：2024-04-02
申请号：US17728486
申请日：2022-04-25
Applicant: Bank of America Corporation
Inventor： George Albero , Elijah Clark
IPC: G06Q30/00 , G06N20/00 , G06Q30/018
CPC classification number: G06Q30/0185 , G06N20/00
Abstract: Arrangements for detecting anomalies and dynamically generating a response are presented. In some examples, attribute data including a plurality of source elements may be received. The source element data may be received from a plurality of source computing systems. The attribute data, including the source element data, may be analyzed using machine learning techniques to identify any anomalies in the attribute data. If an anomaly is detected, a notification may be generated including data associated with the anomaly, a user associated with the anomaly and the like. The notification may be transmitted to a computing device for display. In some examples, if an anomaly is detected, data associated with the anomaly may be compared to pre-stored rules to determine whether a pre-stored rule applies to the identified anomaly. If a pre-stored rule applies, an instruction or command may be generated and transmitted to one or more source computing devices or systems.
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公开(公告)号：US20240028678A1
公开(公告)日：2024-01-25
申请号：US17872718
申请日：2022-07-25
Applicant: Bank of America Corporation
Inventor： George Albero , Amit Pandey
CPC classification number: G06F21/316 , G06F21/552 , G06Q20/351 , G06Q20/40 , G06F2221/031
Abstract: Systems, devices, and methods for user authentication are described. A security platform may authenticate a user based on a machine learning model created using historical user behavior. The user behavior may correspond to user interaction with and/or operation of a computing device. The user behavior may correspond to, for example, historical user purchase patterns. Applications include user authentication for online and offline purchases, access to computing resources, and/or access to physical locations.
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公开(公告)号：US20240020697A1
公开(公告)日：2024-01-18
申请号：US17866921
申请日：2022-07-18
Applicant: Bank of America Corporation
Inventor： George Albero , Amit Pandey
CPC classification number: G06Q20/4014 , G06F21/31 , G06F2221/2103
Abstract: Arrangements for providing dynamic user authentication are provided. In some aspects, a user may initiate a transaction at a merchant point-of-sale (POS) system, via a merchant website, or the like. In response, user data from one or more pre-registered user devices may be retrieved. The data may be analyzed to identify one or more data points for use as a correct answer to an authentication question. An authentication question may be dynamically generated and transmitted to the merchant system for display and the user may provide authentication response data. The authentication response data may be received and compared to the data points providing the basis for the authentication question. If the data matches, the user may be authenticated and the transaction may be processed. If not, additional user authentication data may be requested. The system may then delete the received user data.
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34.发明公开
公开(公告)号：US20230351337A1
公开(公告)日：2023-11-02
申请号：US17733069
申请日：2022-04-29
Applicant: Bank of America Corporation
Inventor： George Albero , Maharaj Mukherjee , Benjamin D. Moores
CPC classification number: G06Q20/0425 , G06Q20/108 , G06Q20/40145 , G06Q20/3825 , G06Q2220/00
Abstract: Aspects of the disclosure relate to digital check generation. A computing platform may receive, from a first user device, a digital check generation request, requesting a transfer of funds from an account of a first individual to an account of a second individual. The computing platform may generate, based on the digital check generation request, a first digital check, which may be traceable and configured for cancellation by the first individual prior to deposit. The computing platform may record the first digital check to a distributed ledger. The computing platform may send, to a second user device, a notification of the first digital check. The computing platform may receive, from the second user device, a check processing request requesting one of: a transfer of the first digital check, a deposit of the first digital check, or generation of a second digital check, and may proceed accordingly.
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公开(公告)号：US11797388B1
公开(公告)日：2023-10-24
申请号：US17859293
申请日：2022-07-07
Applicant: Bank of America Corporation
Inventor： Manu Kurian , George Albero , William August Stahlhut
CPC classification number: G06F11/1415 , G06F11/0754 , G06F11/0793 , G06F11/142 , G06F11/1458 , G06F11/1658 , G06F11/2028 , G06F11/2033 , G06F11/2082 , G06F11/2289 , G06F11/261 , G06F2201/805
Abstract: Systems and methods for lossless restoration of a digital system are provided. A method may include creating a digital twin of the digital system. Creating the digital twin may include constructing a digital model that replicates hardware and software components and performance metrics of the digital system. The components and the performance metrics may be detected via a plurality of edge devices. The digital model may be configured to be run on a processor to simulate performance of the digital system. The method may include receiving an indication that the digital system is disconnected from a central server, syncing the digital twin with the digital system while the digital system is disconnected from the central server, and, in response to an indication that the digital system has reconnected with the central server, syncing the central server with the digital twin.
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公开(公告)号：US11777870B1
公开(公告)日：2023-10-03
申请号：US17860149
申请日：2022-07-08
Applicant: Bank of America Corporation
Inventor： Naga Vamsi Krishna Akkapeddi , Maharaj Mukherjee , George Albero , William August Stahlhut , Manu Kurian , Kevin A. Delson
IPC: G06N20/00 , G06F16/27 , H04L29/06 , H04L47/783 , H04L47/762 , H04L47/70
CPC classification number: H04L47/783 , H04L47/762 , H04L47/823
Abstract: Systems and methods for maximizing resource utilization in a digital communication system are provided. A method may include receiving a direction for a first one of a plurality of edge devices to execute a task, wherein the edge devices communicate with each other and with a central server via a communication network. The central server may be operated by an entity that is independent of the communication network. The plurality of edge devices may each include an authenticated software application that is provided by the entity. The method may also include calculating, via the ML engine for each of the plurality of edge devices, a predicted resource availability score, and distributing, via the central server, the task among the plurality of edge devices based on the predicted resource availability scores.
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公开(公告)号：US20230171599A1
公开(公告)日：2023-06-01
申请号：US17536256
申请日：2021-11-29
Applicant: Bank of America Corporation
Inventor： George Albero , Maharaj Mukherjee , Deborah Mayers , Jinna Kim
IPC: H04W12/082 , H04W12/06 , H04W12/30
CPC classification number: H04W12/082 , H04W12/06 , H04W12/35
Abstract: Aspects of the disclosure relate to computing hardware and software for uniform security access. A computing platform may receive, from a 5G device, a request to access a collaborative experience service. The computing platform may identify whether the 5G device is authenticated. Based on identifying that the 5G device is authenticated, the computing platform may grant the 5G device access to an API that may be used to access the collaborative experience service. The computing platform may identify that attributes of the 5G device comply with a stored security policy, and grant access to the collaborative experience service in response. The computing platform may receive user interaction information from the 5G device, and may input the user interaction information into an anomaly detection model. Based on identifying that the interactions do not comprise an anomaly for the user, the computing platform may maintain the access to the collaborative experience service.
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38.发明授权
公开(公告)号：US11636203B2
公开(公告)日：2023-04-25
申请号：US16907994
申请日：2020-06-22
Applicant: BANK OF AMERICA CORPORATION
Inventor： Kyle Mayers , George Albero , Jon Codispoti , Jinna Zevulun Kim , Dustin Paul Stocks
Abstract: Providing an isolation system that allows analysts to analyze suspicious information in a way that aids in preventing harmful information from spreading to other applications and systems on a network. A plurality of virtual containers may be used by analysts to analyze suspicious information. The analyst may set the virtual environment configurations (e.g., applications, programs, settings, etc.) of the virtual container. The analyst may determine how the suspicious information effects the virtual environment configuration and/or use tools to analyze the suspicious information. When harmful information is identified the virtual container may be discarded (e.g., folded up and deleted), and a new virtual container may be provided to the analyst to continue to analyze the suspicious information and/or new suspicious information.
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公开(公告)号：US20230052790A1
公开(公告)日：2023-02-16
申请号：US17976505
申请日：2022-10-28
Applicant: BANK OF AMERICA CORPORATION
Inventor： George Albero , Elijah Clark , Scot Lincoln Daniels , Emanuel David Guller , Konata Stinson , Rick Wayne Sumrall , Jake Michael Yara
Abstract: When a system tries to access a network (e.g., another system, an application, data, or the like) at least two-factor authentication may be used to validate the system. At least one authentication factor may include utilizing authentication credentials of the entity or system accessing the network. At least a second authentication factor may include using an environment hash of the system, which is a representation of the configuration (e.g., hardware, software, or the like) on the system trying to access the network. The environment hash may be compared to hash requirements (e.g., authorized environment hashes, unauthorized environment hashes, or the like) to aid in the validation. The system may only access the network when both the authentication credentials and the environment hashes meet requirements.
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公开(公告)号：US20230016130A1
公开(公告)日：2023-01-19
申请号：US17954422
申请日：2022-09-28
Applicant: Bank of America Corporation
Inventor： George Albero , Youshika C. Scott , Brian H. Corr , Thomas G. Frost , Scott Nielsen , Charlene L. Ramsue
Abstract: Aspects of the disclosure relate to voiceprint tracking and anomaly detection. A computing platform may detect voice information from a call management system. The computing platform may establish voiceprints for employees and clients of an enterprise. The computing platform may detect a call between an employee and a caller attempting to access a client account. The computing platform may identify a first voiceprint corresponding to the employee and a second voiceprint corresponding to the caller. The computing platform may compare the second voiceprint to a known voiceprint corresponding to the client. Based on the comparison of the second voiceprint to the known voiceprint, the computing platform may determine that the second voiceprint does not match the known voiceprint. The computing platform may identify that the second voiceprint corresponds to another employee of the enterprise, and may send a security notification indicating potential unauthorized account access to an enterprise computing device.
