公开(公告)号：US20220247751A1

公开(公告)日：2022-08-04

申请号：US17163743

申请日：2021-02-01

Applicant: BANK OF AMERICA CORPORATION

Inventor： Sandeep Kumar Chauhan ,  Shailendra Singh ,  Santosh Kumar Miryala ,  Ramarao Gaddam

IPC: H04L29/06 ,  G06K9/00 ,  G06K9/62

Abstract: Systems, computer program products, and methods are described herein for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition. The present invention is configured to receive an indication of a resource transfer interaction initiated by a user using a resource transfer instrument at a resource transfer terminal, wherein the resource transfer instrument comprises an embedded EPROM grid, wherein the embedded EPROM grid is configurable to store a unique pattern associated with the user; retrieve, from the resource transfer terminal, the unique pattern from the embedded EPROM grid; determine that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user; and authorize an execution of the resource transfer interaction by the user based on at least determining that the unique pattern from the embedded EPROM grid matches one or more pre-registered unique patterns associated with the user.

公开(公告)号：US20220086004A1

公开(公告)日：2022-03-17

申请号：US17019079

申请日：2020-09-11

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sarat Kumar Magatapalli ,  Yash Sharma

IPC: H04L9/32 ,  H04L9/06

Abstract: A system receives a login sample. The login sample is decomposed into first and second layers. A verification media sample is decomposed into first and second layers. The system determines that the first layer of the login sample does not match the first layer of the verification sample, that the second layer of the login sample does not match the second layer of the verification sample, or both. First and second critical portions are extracted from the login sample. A first and second login hash are generated from the first and second critical portions. A first and second ledger hash are retrieved from a blockchain ledger. It's determined that the first login hash does not match the first ledger hash, the second login hash does not match the second ledger hash, or both. The user is flagged.

公开(公告)号：US11269861B2

公开(公告)日：2022-03-08

申请号：US16443368

申请日：2019-06-17

Applicant: Bank of America Corporation

Inventor： Sanchit Taggar ,  Sandeep Kumar Chauhan

IPC: G06F16/23 ,  G06N20/00 ,  G06F16/245

Abstract: A system includes a database, a memory, and a processor. The database stores a set of transactions, each of which includes a set of fields. The processor receives a query from a user through a channel. The query is directed to a transaction stored in the database. The transaction includes a set of fields. The processor applies a machine learning policy adapted to determine a view, i.e., a subset of the set of fields that the user is likely to access using the channel. The processor further accesses the database and retrieves the view. The processor then sends the view to the channel.

公开(公告)号：US20220011863A1

公开(公告)日：2022-01-13

申请号：US16925004

申请日：2020-07-09

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Ravi Kumar Kesani

IPC: G06F3/01 ,  A61B5/0484 ,  H04W4/02 ,  H04W4/12

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for wireless communication between a brain activity morning system and a resource. The system may receive a transmission that indicates a resource account and password based on a first brain activity signal. The system determines, based on a first brain activity signal, that the first brain activity signal indicates the password associated with the resource account. The system can also perform a resource transaction with a resource distribution device.

公开(公告)号：US20220004607A1

公开(公告)日：2022-01-06

申请号：US16918811

申请日：2020-07-01

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Udaya Kumar Raju Ratnakaram

IPC: G06F21/32 ,  G06N20/00 ,  H04L29/08 ,  G10L17/22 ,  G10L17/00

Abstract: Methods, systems, and computing platforms for mobile data communication are disclosed. Processor(s) may be configured to electronically receive a plurality of user mobile interaction data to initiate a session on processing server. The processor(s) may be configured to electronically process the user mobile interaction data with AI including predefined user activity data for actions. The processor(s) may be configured to electronically determine whether one of more of the user mobile voice data samples includes a session key data command and responsive to the session key data command, electronically initiating a biometric authentication of the user mobile voice data samples. In some implementations, the system processor(s) may be configured to electronically initiate a second computing session for the computer platform while receiving the plurality of user mobile interaction voice data.

公开(公告)号：US20210375103A1

公开(公告)日：2021-12-02

申请号：US16887548

申请日：2020-05-29

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Ravikiran Subramanya Rao ,  Sneha Padiyar

IPC: G07F19/00

Abstract: Aspects of the disclosure relate to an automatic teller machine (ATM) network. A computing device may monitor operations in the ATM network. The computing device may determine an ATM refill route for a cash truck based on the monitoring the ATM network and/or based on refill notifications sent by an ATM. An ATM may communicate with a second ATM to pre-stage a user transaction at the second ATM.

公开(公告)号：US11184292B1

公开(公告)日：2021-11-23

申请号：US16939368

申请日：2020-07-27

Applicant: BANK OF AMERICA CORPORATION

Inventor： Deviprasad Tatti ,  Gaurav Bansal ,  Sandeep Kumar Chauhan ,  Shekhar Singh Mehra

IPC: H04L12/911 ,  G06F11/07 ,  G06Q20/00

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

公开(公告)号：US20210248533A1

公开(公告)日：2021-08-12

申请号：US16786545

申请日：2020-02-10

Applicant: Bank of America Corporation

Inventor： Sarabjeet Singh Kochar ,  Sandeep Kumar Chauhan ,  Yash Sharma

IPC: G06Q10/06 ,  G06Q10/04 ,  G06Q30/02 ,  G06Q50/30 ,  G01C21/20

Abstract: Systems, computer program products, and methods are described herein for dynamic resource allocation based on vehicle route selection. The present invention is configured to receive an origin and a destination for a user; determine travel routes for the user; determine resource distribution entities along the one or more travel routes; determine resources associated with the resource distribution entities; display the travel routes, the resource distribution entities along each of the travel routes, and the resources associated with each of the resource distribution entities; receive a user selection of at least one of the travel routes; and distribute the resources to the computing device of the user along the at least one of the one or more travel routes selected by the user.

公开(公告)号：US20210044573A1

公开(公告)日：2021-02-11

申请号：US16534627

申请日：2019-08-07

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Amit Kumar Singhal

IPC: H04L29/06 ,  G06F21/62 ,  H04W12/00

Abstract: Aspects of the disclosure relate to identification of confidential data, in a message, and encryption of the confidential data. A computing platform may determine, based on a knowledge base, confidential data in a first message transmitted over one or more computing networks. The computing platform may encrypt the confidential data in the message. The computing platform may generate a second message based on encrypted confidential data. Further, the computing platform may update a header, corresponding to the second message, to indicate an encryption technique used for the encrypted confidential data. The computing platform may further encrypt the header of the second message, and transmit the second message.

公开(公告)号：US20200383154A1

公开(公告)日：2020-12-03

申请号：US16424909

申请日：2019-05-29

Applicant: Bank of America Corporation

Inventor： Sandeep Kumar Chauhan ,  Sarat Kumar Magatapalli ,  Sudarshan Veeramreddy

IPC: H04W76/15 ,  H04W76/14

Abstract: A device includes a memory, a transceiver, and a processor. The processor receives a request (including a first identifier assigned to a first mobile device) from the first mobile device. In response, the processor determines that a server connection is unavailable, adds a second identifier to the request, and broadcasts the request. The processor then receives a first path (including the first and second identifiers along with a third identifier assigned to a second mobile device) from the second mobile device and sends it to the first mobile device. The processor then receives a first piece of data and a second path (including the first and second identifiers along with a fourth identifier assigned to a third mobile device) from the first mobile device. In response, the processor identifies the third mobile device and sends the first piece of data and the second path to the third mobile device.