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公开(公告)号：US11314850B2
公开(公告)日：2022-04-26
申请号：US16875321
申请日：2020-05-15
Applicant: Bank of America Corporation
Inventor： Hitesh Shah , Michael Toth
Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
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公开(公告)号：US20220038451A1
公开(公告)日：2022-02-03
申请号：US17447304
申请日：2021-09-10
Applicant: Bank of America Corporation
Inventor： Hitesh Shah
Abstract: Aspects of the disclosure relate to utilizing federated user identifiers to enable secure information sharing. A computing platform may receive, from an external application host platform, a federated login request comprising user identification information associated with a user account. Based on receiving the federated login request, the computing platform may send, to a client computing device linked to the user account, a push notification prompting a user of the client computing device to authenticate. Then, the computing platform may authenticate the user of the client computing device to the user account. Based on authenticating the user, the computing platform may generate an orchestration message directing a data hub platform to initiate a validated data transfer with the external application host platform and may send the orchestration message to the data hub platform to initiate a transfer of external information associated with the user of the client computing device.
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公开(公告)号：US11036838B2
公开(公告)日：2021-06-15
申请号：US16210062
申请日：2018-12-05
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Xianhong Zhang , Hitesh Shah , Srinivasa Rao Goriparthi
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems using machine-learned user-account behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture one or more behavioral parameters and activity data associated with one or more interactions with one or more non-authenticated pages. Then, the computing platform may evaluate the one or more behavioral parameters and the activity data using a behavioral profile associated with the user account. Based on this evaluation, the computing platform may identify the authentication request as malicious and may generate and send one or more denial-of-access commands to prevent the client computing device from accessing the one or more secured information resources associated with the user account.
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公开(公告)号：US10698992B2
公开(公告)日：2020-06-30
申请号：US15898827
申请日：2018-02-19
Applicant: Bank of America Corporation
Inventor： Hitesh Shah , Michael Toth
Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.
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公开(公告)号：US20190268331A1
公开(公告)日：2019-08-29
申请号：US15906455
申请日：2018-02-27
Applicant: Bank of America Corporation
Inventor： Michael Toth , Hitesh Shah
IPC: H04L29/06
Abstract: Systems for providing secure access to systems are provided. A computing device may receive a request to access functionality which may include login credentials of a user. Upon receiving the request to access functionality, advanced biometric data collected via a wearable device linked to the computing device at which the request was received may be received from the wearable device. The received login credentials and biometric data may be validated and authentication response data may be generated. The authentication response data may be transmitted from the computing device to an authentication computing platform which may cause the authentication computing platform to validate the authentication response data and cause the computing device to connect to a client interface computing platform. After a connection between the computing device and client interface computing platform is established, interface data may be transmitted from the client interface computing platform to the computing device and one or more interfaces may be displayed on the computing device.
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Patent Agency Ranking
6.发明申请公开(公告)号：US20200184050A1
公开(公告)日：2020-06-11
申请号：US16210042
申请日：2018-12-05
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Xianhong Zhang , Hitesh Shah , Srinivasa Rao Goriparthi
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems using machine-learned user-account behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture one or more behavioral parameters and may authenticate the user of the client computing device to the user account based on the one or more behavioral parameters and one or more authentication credentials. The computing platform then may generate and send one or more authentication commands directing an account portal computing platform to allow access to the one or more secured information resources. Subsequently, the computing platform may capture activity data associated with one or more interactions in a client portal session and may update a behavioral profile associated with the user account.
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7.发明申请公开(公告)号：US20200184048A1
公开(公告)日：2020-06-11
申请号：US16210010
申请日：2018-12-05
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Hitesh Shah , Xianhong Zhang
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems based on machine-learned user behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture behavioral parameters associated with the client computing device and may evaluate the behavioral parameters using a behavioral profile associated with the user account to determine a behavioral deviation score. Based on the behavioral deviation score, the computing platform may select an authentication action from a plurality of pre-defined authentication actions. Subsequently, the computing platform may generate commands directing an account portal computing platform to allow access, conditionally allow access, or prevent access based on the selected authentication action. Then, the computing platform may send the commands to the account portal computing platform.
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8.发明授权公开(公告)号：US11797661B2
公开(公告)日：2023-10-24
申请号：US17332557
申请日：2021-05-27
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Hitesh Shah
Abstract: Aspects of the disclosure relate to dynamically generating activity prompts to build and refine machine learning authentication models. A computing platform may process a first set of login events associated with a first user account and may build a first user-specific authentication model for the first user account. Then, the computing platform may process a second set of login events associated with a second user account and may build a second user-specific authentication model for the second user account. The computing platform also may build a population-level authentication model for a plurality of user accounts. Thereafter, the computing platform may identify one or more activity parameters associated with at least one authentication model for refinement. Subsequently, the computing platform may generate and send one or more activity prompts to one or more client computing devices to request at least one user response.
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公开(公告)号：US11790062B2
公开(公告)日：2023-10-17
申请号：US17498317
申请日：2021-10-11
Applicant: Bank of America Corporation
Inventor： Michael E. Toth , Hitesh Shah , Xianhong Zhang
IPC: G06F21/31 , G06F21/62 , G06N20/00 , H04L67/306 , H04L67/50
CPC classification number: G06F21/316 , G06F21/6218 , G06N20/00 , H04L67/306 , H04L67/535 , G06F2221/2141
Abstract: Aspects of the disclosure relate to processing authentication requests to secured information systems based on machine-learned user behavior profiles. A computing platform may receive an authentication request corresponding to a request for a user of a client computing device to access one or more secured information resources associated with a user account. The computing platform may capture behavioral parameters associated with the client computing device and may evaluate the behavioral parameters using a behavioral profile associated with the user account to determine a behavioral deviation score. Based on the behavioral deviation score, the computing platform may select an authentication action from a plurality of pre-defined authentication actions. Subsequently, the computing platform may generate commands directing an account portal computing platform to allow access, conditionally allow access, or prevent access based on the selected authentication action. Then, the computing platform may send the commands to the account portal computing platform.
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10.发明授权公开(公告)号：US10965675B2
公开(公告)日：2021-03-30
申请号：US15920549
申请日：2018-03-14
Applicant: Bank of America Corporation
Inventor： Xianhong Zhang , Kalyan V. Pasumarthi , Jeffrey Jacoby , Hitesh Shah , Archie Agrawal , Michael E. Toth , Yu Fu
IPC: H04L29/06
Abstract: Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced pre-authentication techniques. A computing platform may receive, from a local traffic manager, a first enriched access request associated with a first remote computing device. Then, the computing platform may apply a pre-authentication classification model to the first enriched access request associated with the first remote computing device. Thereafter, the computing platform may determine that the first enriched access request associated with the first remote computing device is likely malicious. Then, the computing platform may generate one or more first pre-authentication response commands directing client portal server infrastructure to process the first enriched access request associated with the first remote computing device as a malicious request. Subsequently, the computing platform may send the one or more first pre-authentication response commands to the client portal server infrastructure.
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