公开(公告)号：US20180191712A1

公开(公告)日：2018-07-05

申请号：US15396899

申请日：2017-01-03

Applicant: Bank of America Corporation

Inventor： Eduardo J. Ramirez ,  Craig Widmann ,  Amijo Bearley ,  Robert D. Jones ,  Aron Megyeri

IPC: H04L29/06

CPC classification number: H04L63/0861 ,  H04L63/08 ,  H04L63/1408 ,  H04L63/1425

Abstract: Systems and arrangements for detecting unauthorized activity and implementing proactive controls to avoid future occurrences of unauthorized activity are provided. The system may receive one or more occurrences of unauthorized activity and may identify similar pairs of occurrences. The pairs of occurrences may then be compared to generate occurrence clusters. The occurrence clusters may be analyzed to determine a common merchant or other attribute. This common merchant or other attribute may be used to query a database to identify one or more devices also associated with the merchant or attribute. One or more proactive controls may then be implemented on the identified devices.

公开(公告)号：US12072965B2

公开(公告)日：2024-08-27

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 ,  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 ,  G06V10/147 ,  G06V40/16 ,  H04L9/40 ,  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.

公开(公告)号：US20180165681A1

公开(公告)日：2018-06-14

申请号：US15376252

申请日：2016-12-12

Applicant: Bank of America Corporation

Inventor： Aron Megyeri ,  Craig Douglas Widmann ,  Eduardo J. Ramirez ,  Amijo Bearley ,  Robert D. Jones

IPC: G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/4016 ,  G06Q20/1085 ,  G06Q20/405

Abstract: Aspects of the disclosure relate to detection of unauthorized usage in debit card transactions using a transaction management computing platform and an analytics computing platform. A computing platform may monitor a plurality of transactions at an automated teller machine. Subsequently, the computing platform may identify at least one unusual activity in the plurality of transactions at the automated teller machine. In response to identifying the at least one unusual activity in the plurality of transactions, the computing may analyze each account corresponding to the plurality of transactions to identify a common point of purchase for a subset of accounts. Thereafter, the computing platform may flag the subset of accounts for unauthorized usage.

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.

公开(公告)号：US20170221167A1

公开(公告)日：2017-08-03

申请号：US15009057

申请日：2016-01-28

Applicant: Bank of America Corporation

Inventor： Brandon Weeks ,  Craig Widmann ,  John Tuders ,  Aron Megyeri ,  Robert D. Jones ,  Shuang Lu ,  Amijo Bearley

IPC: G06Q50/26

CPC classification number: G06Q50/265

Abstract: Methods, systems, and computer-readable media for identifying unauthorized activity events, assessing the unauthorized activity event and evaluating a potential impact of the unauthorized activity event are provided. In some examples, upon detection of an unauthorized activity event, merchant data may be received for a first evaluation time period. If a sufficient number of events has occurred in the first evaluation time period, additional data may be retrieved and analyzed to determine a control limit related to an expected rate of events. The number of events in the first evaluation time period may then be compared to the control limit and, if the number exceeds the control limit, a priority score for the merchant may be generated. Additional data, such as merchant category, particular state, and/or particular city data, may be analyzed in order to provide a more granular evaluation of a merchant.

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.

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

IPC: G06F21/32 ,  H04L29/06 ,  H04N5/247 ,  G06K9/00 ,  G06K9/20

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.