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公开(公告)号：US11799971B2
公开(公告)日：2023-10-24
申请号：US17674431
申请日：2022-02-17
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Sneha Padiyar , Eshita Gupta
IPC: H04L67/146 , H04L67/148 , H04L41/22 , H04L67/00 , H04L67/55
CPC classification number: H04L67/146 , H04L41/22 , H04L67/148 , H04L67/34 , H04L67/55
Abstract: A system includes a memory and a processor. The processor is configured to determine that a user has ceased using a first device while the user was in an active user session with an application. The processor is further configured to determine a last user interface with which the user interacted on the first device and to determine user-supplied information from the last user interface. The processor is further configured to determine that the user is attempting to start a new user session with the application on a second device, and in response, display a message on the second device inquiring if the user wishes to continue with the last user interface. The processor is further configured to display a new user interface on the second device that corresponds to the last user interface and display the user-supplied information from the last user interface in the new user interface.
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公开(公告)号：US11775848B2
公开(公告)日：2023-10-03
申请号：US17838958
申请日：2022-06-13
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Sneha Padiyar , Nandini Rathaur
CPC classification number: G06N5/04 , G06F16/252 , G06N20/00
Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.
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公开(公告)号：US11539796B2
公开(公告)日：2022-12-27
申请号：US16923301
申请日：2020-07-08
Applicant: BANK OF AMERICA CORPORATION
Inventor： Sneha Padiyar , Shailendra Singh
Abstract: A system for intelligent data transfer is provided. The system is configured to: collect sensor data from a plurality of user devices, the plurality of user devices being connected to a device gateway in an edge layer of the network; combine the collected sensor data with contextual data stored in a contextual device database, wherein the contextual data comprises device usage data and user data; generate a data transfer rule set for governing data transfer from the plurality of user devices over the network based on the combined data; calculate a data configuration flow for the plurality of user devices based on the data transfer rule set; and execute the data configuration flow to control a flow of the sensor data transferred from the device gateway to an application server in a platform layer.
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公开(公告)号：US20240013166A1
公开(公告)日：2024-01-11
申请号：US17860221
申请日：2022-07-08
Applicant: Bank of America Corporation
Inventor： Sneha Padiyar , Sandeep Kumar Chauhan , Nandini Rathaur , Aditya Sharma
CPC classification number: G06Q20/042 , G06Q20/3821
Abstract: Systems, methods, and apparatus are provided for secure check exception remediation in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.
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公开(公告)号：US20230262133A1
公开(公告)日：2023-08-17
申请号：US17674431
申请日：2022-02-17
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Sneha Padiyar , Eshita Gupta
IPC: H04L67/146 , H04L67/148 , H04L67/00 , H04L67/55 , H04L41/22
CPC classification number: H04L67/146 , H04L67/148 , H04L67/34 , H04L67/26 , H04L41/22
Abstract: A system includes a memory and a processor. The processor is configured to determine that a user has ceased using a first device while the user was in an active user session with an application. The processor is further configured to determine a last user interface with which the user interacted on the first device and to determine user-supplied information from the last user interface. The processor is further configured to determine that the user is attempting to start a new user session with the application on a second device, and in response, display a message on the second device inquiring if the user wishes to continue with the last user interface. The processor is further configured to display a new user interface on the second device that corresponds to the last user interface and display the user-supplied information from the last user interface in the new user interface.
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Patent Agency Ranking
公开(公告)号：US20220309369A1
公开(公告)日：2022-09-29
申请号：US17838958
申请日：2022-06-13
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Sneha Padiyar , Nandini Rathaur
Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.
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公开(公告)号：US20210406713A1
公开(公告)日：2021-12-30
申请号：US16913530
申请日：2020-06-26
Applicant: Bank of America Corporation
Inventor： Sandeep Kumar Chauhan , Sneha Padiyar , Nandini Rathaur
Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.
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公开(公告)号：US20250053969A1
公开(公告)日：2025-02-13
申请号：US18232091
申请日：2023-08-09
Applicant: Bank of America Corporation
Inventor： Sneha Padiyar , Sakshi Bakshi
Abstract: A real-time payment security method and system for preventing eavesdropping attacks on computing devices may include a plurality of sensors configured to detect anomaly-type behavior indicative of a security threat. The plurality of sensors may be configured to share data, and may be configured to eliminate false-positive anomaly-type behavior indicative of a security threat. The system and method may further include a hash chain network comprising a plurality of hash nodes, and a dynamic authentication mapper, wherein the dynamic authentication mapper may be powered by a cognitive artificial intelligence (AI) engine, and wherein the dynamic authentication mapper may be configured to generate a user notification of valid anomaly-type behavior indicative of a security threat thereby preventing an eavesdropping attack.
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公开(公告)号：US12223494B1
公开(公告)日：2025-02-11
申请号：US18420567
申请日：2024-01-23
Applicant: Bank of America Corporation
Inventor： Anu Sharma , Sneha Padiyar , Harilakshmi Narayanan , Madhumitha Swaminathan Rangarajan , Kavitha Yalka
IPC: G06Q20/34
Abstract: An apparatus comprises a memory communicatively coupled to a processor. The memory is configured to store smart card feedback, multiple graph analyzer operations, and multiple smart card identifiers (ID). Each smart card ID indicates the one or more smart cards associated with a corresponding user. The processor is configured to receive smart card feedback associated with a smart card ID, derive multiple interactions in an environment based at least in part upon the smart card feedback, generate an intelligent pattern based at least in part upon the interactions, assign multiple adverse impacts to the intelligent pattern, generate multiple suggestions configured to mitigate the adverse impacts, and execute the graph analyzer operations to determine whether the suggestions mitigate the adverse impacts. Further, the processor is configured to generate a report relating the suggestions to the environment in response to determining that the suggestions mitigate the adverse impacts.
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公开(公告)号：US20240037514A1
公开(公告)日：2024-02-01
申请号：US17878183
申请日：2022-08-01
Applicant: Bank of America Corporation
Inventor： Sneha Padiyar , Sandeep Kumar Chauhan , Nandini Rathaur , Aditya Sharma
CPC classification number: G06Q20/042 , G06Q20/384 , G06Q20/3825
Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.
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