知搜-全球专利检索

  1. 登录
  2. 注册

搜索结果

25 条记录 (耗时 0.02 秒)

    Automatic Machine-to-Machine (M2M) Communications Based on Machine Learning
    2.
    发明申请
    Automatic Machine-to-Machine (M2M) Communications Based on Machine Learning 有权

    公开(公告)号：US20220398673A1

    公开(公告)日：2022-12-15

    申请号：US17346949

    申请日：2021-06-14

    申请人： Bank of America Corporation

    发明人： Pratap Dande ,  Robert Nyeland Huggins ,  Jinna Zevulun Kim ,  Brandon Sloane ,  Vijaya L. Vemireddy ,  Siten Sanghvi

    IPC分类号： G06Q40/00 ,  G06N20/00 ,  G06Q30/04

    摘要： A system includes memory operable to store instructions and processing circuitry operable to execute the instructions. The system accesses previous data processing transactions associated with a first account of a user, wherein at least one of the previous data processing transactions are transacted using a first routing between a first computing system and a second computing system. The system further determines, using machine learning, a pattern from the previous data processing transactions and determines an upcoming data processing transaction corresponding to the pattern. The system further compares the upcoming data processing transaction to a data item associated with the first account and determines a second routing between the second computing system and a third computing system. The system further transacts, based on the comparison of the upcoming data processing transaction to the data item, the upcoming data processing transaction using either the first routing or the second routing.

    Secure User Authentication Using Machine Learning and Geo-Location Data
    4.
    发明公开
    Secure User Authentication Using Machine Learning and Geo-Location Data 审中-公开

    公开(公告)号：US20240037195A1

    公开(公告)日：2024-02-01

    申请号：US17873275

    申请日：2022-07-26

    申请人： Bank of America Corporation

    发明人： Richard S. Scot ,  Graham Wyllie ,  Kelly Renee-Drop Keiter ,  Robert Nyeland Huggins

    IPC分类号： G06F21/31

    CPC分类号： G06F21/31

    摘要： Arrangements for providing frictionless unauthorized activity detection and user authentication are provided. In some aspects, user data, such as transaction data may be received and used to train a machine learning model. In some examples, the machine learning model may be executed to generate one or more expected user patterns. In some arrangements, a request for transaction may be received. The request for transaction may include transaction details. In response, the system may request current geo-location data of a user. In some examples, the transaction details and geo-location data may be analyzed (e.g., compared to the expected user patterns) to generate an authentication output. The authentication output may then be transmitted to one or more systems to process the requested transaction, prevent transaction processing, or the like.

    IoT BASED AUTHENTICATION
    7.
    发明公开
    IoT BASED AUTHENTICATION 审中-公开

    公开(公告)号：US20240062218A1

    公开(公告)日：2024-02-22

    申请号：US18059670

    申请日：2022-11-29

    申请人： Bank of America Corporation

    发明人： Michael Young ,  Graham Wyllie ,  Kelly Keiter ,  Robert Nyeland Huggins

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/409 ,  G06Q20/401

    摘要： Aspects of the disclosure relate an IoT authentication system to strengthen and streamline authentication for transaction processing for users. A transaction computing platform using artificial intelligence may receive from a plurality of IoT devices information regarding interactions with a user. In some arrangements, transaction computing platform may generate constellations based on the received information. A trust status may be determined based on the generated constellations. Transaction authentication may be based at least in part on the determined trust status. In some embodiments, real-time updates of trust status along with transaction alerts may be provided to IoT devices.

    SYSTEM FOR IMPLEMENTING RESOURCE ACCESS PROTOCOLS WITHIN A NETWORKED MEDIUM
    8.
    发明公开
    SYSTEM FOR IMPLEMENTING RESOURCE ACCESS PROTOCOLS WITHIN A NETWORKED MEDIUM 审中-公开

    公开(公告)号：US20230162168A1

    公开(公告)日：2023-05-25

    申请号：US17533265

    申请日：2021-11-23

    申请人： BANK OF AMERICA CORPORATION

    发明人： Jinna Zevulun Kim ,  Robert Nyeland Huggins

    IPC分类号： G06Q20/12 ,  G06F16/27

    CPC分类号： G06Q20/1235 ,  G06F16/27 ,  H04L63/10

    摘要： Systems, computer program products, and methods are described herein for implementing resource access protocols within a networked medium. The present invention is configured to receive, from a second user input device of a second user, a request to access a resource in the metaverse; retrieve a non-fungible token (NFT) of the resource in response to the request; retrieve, from a licensing layer associated with the NFT of the resource, licensing rules associated with access to the resource; determine, using a valuation engine, a value associated with access to the resource based on at least the one or more licensing rules; receive, from the second user input device, an indication acknowledging the licensing rules and a digital transfer of an amount of funds corresponding to the value associated with the access to the resource; and authorize the second user input device to access the resource in the metaverse.