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BANK OF AMERICA CORPORATION patent applications on April 10th, 2025

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Patent Applications by BANK OF AMERICA CORPORATION on April 10th, 2025

BANK OF AMERICA CORPORATION: 26 patent applications

BANK OF AMERICA CORPORATION has applied for patents in the areas of H04L9/40 (7), G06Q20/38 (3), G06F11/36 (2), G06T13/40 (2), G06F21/62 (2) G06N3/08 (2), G06F3/04815 (1), H04L63/10 (1), H04L63/0861 (1), H04L63/083 (1)

With keywords such as: data, user, computing, platform, device, information, authentication, access, based, and configured in patent application abstracts.



Patent Applications by BANK OF AMERICA CORPORATION

20250117104. SYSTEMS AND METHODS FOR MAINTAINING SECURITY OF VIRTUAL OBJECTS IN A DISTRIBUTED NETWORK_simplified_abstract_(bank of america corporation)

Inventor(s): Syed Najumudeen of Hyderabad IN for bank of america corporation, Dalydas Karanath of Thrissur IN for bank of america corporation, Aravinth Selvamani of Chennai IN for bank of america corporation

IPC Code(s): G06F3/04815, G06F3/01, G06T13/40

CPC Code(s): G06F3/04815



Abstract: systems, computer program products, and methods are described herein for maintaining security of virtual objects in a distributed network. some embodiments are directed to a system including a first artificial intelligence engine configured to determine motives of users associated with avatars in a virtual world and a second artificial intelligence engine configured to determine access paths of the avatars in the virtual world. the system may include a third artificial intelligence engine configured to determine viewing angles of the avatars moving along the access paths in the virtual world and a fourth artificial intelligence engine configured to generate visual content based on attributes of the users, the motives of the users, the access paths of the avatars, and the viewing angles of the avatars moving along the access paths in the virtual world.


20250117212. SYSTEM FOR AUTOMATED COMPUTER SOFTWARE RELEASE VALIDATION AND MANAGEMENT_simplified_abstract_(bank of america corporation)

Inventor(s): Gary John Schrieber of Charlotte NC US for bank of america corporation, Jennifer A. Mundle of Charlotte NC US for bank of america corporation

IPC Code(s): G06F8/70

CPC Code(s): G06F8/70



Abstract: a system is provided for automated computer software release validation and management. in particular, the system may receive and aggregate data from various computing resources within the network environment, such as computing applications. based on the data, the system may determine which resources may be affected by a software release that is set to be deployed to the production environment. the system may further receive user inputs in the form of artifacts associated with one or more checkpoints used in a validation process associated with the software release. the system may then, through a reporting engine, provide a visualization of the data and checkpoints through a dashboard to provide a real-time status of the validation process. in this way, the system provides an efficient and transparent way to validate and manage computer software releases.


20250117248. SYSTEM AND METHOD FOR SYNCHRONIZED MULTI-THREADED EXTRACTION OF HISTORICAL DATA IN WORKFLOW AUTOMATION PLATFORM ARCHITECTURES_simplified_abstract_(bank of america corporation)

Inventor(s): Raj Surpur of Flower Mound TX US for bank of america corporation, Kashinath Gande of Frisco TX US for bank of america corporation, Lekshan Jayasinghe of Frisco TX US for bank of america corporation, Sai Saran Tripathy of McKinney TX US for bank of america corporation, Arun Chowdary Narne of Hyderabad IN for bank of america corporation, Chandan Kumar of Mumbai IN for bank of america corporation

IPC Code(s): G06F9/48, G06F9/50

CPC Code(s): G06F9/4881



Abstract: systems, computer program products, and methods are described herein for extraction of historical data in workflow automation platform architectures. the present disclosure is configured to introduce an advanced approach to historical data extraction from workflow automation platform architectures. at its core, it employs parallel processing, utilizing a multi-threaded asynchronous tool specifically designed within a workflow automation platform architecture framework. this ensures high performance and scalability, enabling easy extraction of large data volumes within designated system maintenance windows without impinging on system performance.


20250117268. SYSTEM AND METHOD FOR MULTI-PLATFORM INTEROPERABILITY IN DIGITAL ENVIRONMENTS_simplified_abstract_(bank of america corporation)

Inventor(s): Suryanarayan Parthasarathi Chakravarthi of Chennai IN for bank of america corporation, Saisrikanth Chitty of Hyderabad IN for bank of america corporation

IPC Code(s): G06F9/54

CPC Code(s): G06F9/541



Abstract: systems, computer program products, and methods are described herein for multi-platform interoperability in digital environments. the present disclosure is configured to receive one or more platforms, wherein the one or more platforms comprise multi-platform virtual reality, augmented reality, and extended reality environments. in some embodiments, receiving includes transferring the platform to a platforms operational layer. in some embodiments, the system may receive a central features repository dashboard, wherein the central features repository dashboard comprises one or more features. in some embodiments, the system may create a generate, integrate, and tailor (gint) module, wherein the gint module comprises a feature tailor, a feature integrator, and a feature generator; and aggregate, within the platforms operational layer, the one or more platforms, the central features repository dashboard, and the gint module.


20250117274. DATA RECONCILIATION ARCHITECTURE FOR IMPROVED FAULT TOLERANCE_simplified_abstract_(bank of america corporation)

Inventor(s): Arpan Agrawal of McKinney TX US for bank of america corporation, Sachin Bansode of Indore IN for bank of america corporation, Anshul Jain of Indore IN for bank of america corporation, Dinesh Kumar Kanchi Sridharan of Arakkonam IN for bank of america corporation

IPC Code(s): G06F11/07

CPC Code(s): G06F11/0757



Abstract: in conventional networked computing systems, stream-processing software is utilized to handle real-time data feeds. for example, a stream-processing software may sort incoming data feeds into data logs, which are then consumed by various application servers within the computing system. however, this consumption process is susceptible to failure as application servers often fail to consume a full payload of data comprising a particular message. as such, a need exists for a streaming architecture with improved fault tolerance. the system provided herein solves the problem via a reliable streaming process, which regularly generates partitions within a series of data lakes. as streaming data is received, the payloads are synced into the different data lakes based on metadata associated with the streaming data. the system can then perform individual quality checks on each partition of data, enabling the system to continuously monitor data quality over time.


20250117308. SYSTEMS AND METHODS FOR DETERMINING A COMPUTING SYSTEM’S CURRENT STATE BY IMPLEMENTING STATE MACHINES AND KNOWLEDGE GRAPHS IN AN ELECTRONIC ENVIRONMENT_simplified_abstract_(bank of america corporation)

Inventor(s): Maharaj Mukherjee of Poughkeepsie NY US for bank of america corporation

IPC Code(s): G06F11/34, G06F9/451

CPC Code(s): G06F11/3495



Abstract: systems, computer program products, and methods are described herein for determining a computing system's current state by implementing state machines and knowledge graphs in an electronic environment. the present disclosure is configured to identify at least one knowledge graph comprising a plurality of clusters associated with at least one computing system, each cluster comprises a plurality of state machines associated with the at least one computing system; identify data associated with the computing system; apply the data associated with the computing system to at least one state machine; generate at least one output associated with the computing system; compare the at least one output with at least one pre-defined output; generate a confidence level for the at least one current state attribute; and determine a current state attribute for the computing system, wherein the current state attribute defines a current state of the computing system.


20250117315. MULTICLOUD TEST AUTOMATION FRAMEWORK_simplified_abstract_(bank of america corporation)

Inventor(s): Roshin Jacob Thomas of Addison TX US for bank of america corporation, Thresiamma Louis of Charlotte NC US for bank of america corporation, Tonya Kyra Miller of Charlotte NC US for bank of america corporation

IPC Code(s): G06F11/36, G06F11/34

CPC Code(s): G06F11/3698



Abstract: systems, methods, and apparatus are provided for a secure multicloud test automation framework. the automation framework may receive a natural language request for a cloud-based test scenario at a user interface on an enterprise network. the test scenario may include a cloud resource and a cloud platform. machine learning may map keywords extracted from the test scenario to a set of test cases associated with the cloud resource. keyword mapping may also identify a configuration file associated with the cloud platform. the automation framework may retrieve shell scripts specified by the set of test cases from a shell script repository. the automation framework may use data from the configuration file to access the cloud platform via a secure gateway and execute the shell scripts using data from the cloud platform. the automation framework may generate a comprehensive summary report and maintain technical logs for the test.


20250117396. INTELLIGENT METHOD TO COMBINE MULTIPLE BLOCKCHAIN BASED SMART CONTRACTS LEVERAGING GENERATIVE ARTIFICIAL INTELLIGENCE_simplified_abstract_(bank of america corporation)

Inventor(s): Shailendra Singh of Maharashtra IN for bank of america corporation

IPC Code(s): G06Q20/40, G06Q20/38

CPC Code(s): G06Q20/401



Abstract: aspects of the disclosure relate to using machine learning models to merge smart contracts. a computing system may receive a prompt to merge smart contracts. based on inputting the prompt into a generative artificial intelligence model configured to parse prompts, smart contract data may be retrieved from a blockchain stored in a distributed ledger platform. based on inputting the smart contract data into the generative artificial intelligence model, smart contract clusters may be generated. based on at least one of the smart contract clusters meeting performance criteria, merged smart contracts that meet the performance criteria may be generated. furthermore, one or more blocks comprising the merged smart contracts may be generated.


20250117463. System and method for user authentication using a spinning authentication matrix_simplified_abstract_(bank of america corporation)

Inventor(s): Ravi Joshi of Pennington NJ US for bank of america corporation, Anna Kristen Pingel Berry of Indian Land SC US for bank of america corporation, Olga Caroline Kocharyan of Matthews NC US for bank of america corporation, Luqman Abdul Hakeem Sharief of Libertyville IL US for bank of america corporation, Shweta Ambulkar of Plainsboro NJ US for bank of america corporation, Angela F. Ianni of Lincoln RI US for bank of america corporation, Michael William Whitaker of Fort Worth TX US for bank of america corporation, Benjamin Daniel Hardman of Harrisburg NC US for bank of america corporation

IPC Code(s): G06F21/31, G06F21/54

CPC Code(s): G06F21/31



Abstract: a method includes receiving hashes of a static password and a lot-one authentication string from a user device of a user. after an initial validation, a first authentication matrix (am) is generated. a block selection process is performed to select spurious and authentication blocks. while performing the block selection process, the first am is replaced by a second am, such that a first authentication block is selected from the first am based on a first lot-two authentication string and a second authentication block is selected from the second am based on a second lot-two authentication string. a dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. a hash of the dynamic password is generated. in response to determining that the hash of the dynamic password matches a hash of a dynamic password stored in a user profile, the user is authenticated.


20250117505. OWNER-MANAGED PASSWORD BASED FILE ACCESS_simplified_abstract_(bank of america corporation)

Inventor(s): Jo-Ann Taylor of Godalming Surrey GB for bank of america corporation, Anna Hollenberg of Oak Park IL US for bank of america corporation, Randy Rustman of Jacksonville FL US for bank of america corporation, Mark E. Harris of Houston TX US for bank of america corporation, Thomas Daniel of Plainfield IL US for bank of america corporation, Dayna Petrovskis of Aurora CO US for bank of america corporation

IPC Code(s): G06F21/62, G06F21/32, G06F21/33

CPC Code(s): G06F21/6209



Abstract: methods and systems are provided for managing access to a file. the methods and systems may include locking access to the file using a password accessible security setting. the methods and systems may include designating a password as an unlock password. the methods and systems may include communicating the password to a first group of users. the methods and systems may include providing a prompt to input the unlock password upon a request to access the file. the methods and systems may include providing access to the file in response to inputting the unlock password. the methods and systems may include authenticating each unauthenticated user that inputs the unlock password. the methods and systems may include deactivating the password as the unlock password. the methods and systems may include removing authentication from a user in response to the user meeting a predetermined condition.


20250117520. SYSTEMS, METHODS, AND APPARATUSES FOR IDENTIFYING UNAUTHORIZED USE OF A USER'S AUTHENTICATION CREDENTIALS TO AN ELECTRONIC NETWORK BASED ON NON-PUBLIC DATA ACCESS_simplified_abstract_(bank of america corporation)

Inventor(s): Marci Anne Landy of Waxhaw NC US for bank of america corporation, Daniel Joseph Serna of The Colony TX US for bank of america corporation, Tina Berumen Pachorek of Centennial CO US for bank of america corporation, Jessica Hope Thompson of Grapevine TX US for bank of america corporation, Joseph Henry Pindell, JR. of Euless TX US for bank of america corporation, Mrunal Mody of Keller TX US for bank of america corporation

IPC Code(s): G06F21/62, G06F21/60

CPC Code(s): G06F21/6245



Abstract: systems, computer program products, and methods are described herein for identifying unauthorized use of a user's authentication credentials to an electronic network based on non-public data access. the present invention is configured to receive a verified access attempt at a first time for a user account; receive an unverified access attempt at a second time for the user account; determine the unverified access attempt is a credential sharing event for the user account; receive unverified account access logs associated with the unverified access attempt, the unverified account access logs comprising access to non-public data; and generate an unverified data access interface component to configure a graphical user interface of a device associated with a manager of the system.


20250117522. SYSTEM FOR ELECTRONIC DATA ARTIFACT TESTING USING A HYBRID CENTRALIZED-DECENTRALIZED COMPUTING PLATFORM_simplified_abstract_(bank of america corporation)

Inventor(s): Brandon Sloane of Indian Land SC US for bank of america corporation, Julio Cesar Nunez of Denver CO US for bank of america corporation

IPC Code(s): G06F11/07

CPC Code(s): G06F21/64



Abstract: a system is provided for electronic data artifact testing using a hybrid centralized-decentralized computing platform. in particular, the system may comprise an artifact testing platform that may be accessed by users and computing devices within a network. users may upload a data artifact to the artifact testing platform to be validated by the system. the system may then use a number of different validators (e.g., artificial intelligence-based modules) that may read the data artifact and/or the associated metadata and generate a confidence level based on the characteristics of the data artifact. the confidence levels from each validator may be aggregated to generate a final trust score for the data artifact. if the final trust score is below a first threshold, blocking the user computing device from opening the electronic file and if the final trust score is below a second threshold, performing network segmentation of the user computing device.


20250117576. Authorship Source Analysis for Large Language Models (LLM) Using a Distributed Ledger_simplified_abstract_(bank of america corporation)

Inventor(s): Maharaj Mukherjee of Poughkeepsie NY US for bank of america corporation

IPC Code(s): G06F40/20, G06F11/36

CPC Code(s): G06F40/20



Abstract: a computing platform may train an llm by performing a plurality of clustering iterations. the computing platform may record, using a distributed ledger and for each of the plurality of clustering iterations, information of the corresponding clustering iteration. the computing platform may test the llm, which may reveal at least one error in the llm. the computing platform may identify, using the distributed ledger, a clustering iteration corresponding to the at least one error and information associated with the clustering iteration. the computing platform may identify, based on the clustering iteration corresponding to the at least one error and the information associated with the clustering iteration, a remediating action. the computing platform may update the llm by performing the remediating action. the computing platform may retest the llm. based on identifying that an accuracy of the llm meets or exceeds an accuracy threshold, the computing platform may deploy the llm.


20250117643. USING STRUCTURED INFORMATION FOR IMPROVED TRAINING OF GENERATIVE ARTIFICIAL INTELLIGENCE (AI) MODELS_simplified_abstract_(bank of america corporation)

Inventor(s): Maharaj Mukherjee of Poughkeepsie NY US for bank of america corporation

IPC Code(s): G06N3/08

CPC Code(s): G06N3/08



Abstract: a computing platform may obtain, from an information storage source, historical information, which may be structured rather than unstructured. the computing platform may train, using the historical information, a foundational artificial intelligence (ai) model. the computing platform may select one or more features of the foundational ai model for use in training a generative ai model. the computing platform may identify a portion of the historical information corresponding to the selected one or more features. the computing platform may normalize the portion of the historical information. the computing platform may train, using the normalized portion of the historical information, the generative ai model. the computing platform may receive, from a user device, a generative ai prompt. the computing platform may generate, by inputting the generative ai prompt into the generative ai model, a generative ai response. the computing platform may send, to the user device, the generative ai response.


20250117644. USING STRUCTURED INFORMATION FOR IMPROVED TRAINING OF GENERATIVE ARTIFICIAL INTELLIGENCE (AI) MODELS_simplified_abstract_(bank of america corporation)

Inventor(s): Maharaj Mukherjee of Poughkeepsie NY US for bank of america corporation

IPC Code(s): G06N3/08, G06N3/0475

CPC Code(s): G06N3/08



Abstract: a computing platform may obtain, from an information storage source, historical information, including both structured information and unstructured information. the computing platform may train, using the historical information, a foundational ai model. the computing platform may select features of the foundational ai model for use in training a plurality of generative ai models. the computing platform may identify a portion of the historical information corresponding to the selected features. the computing platform may normalize the portion of the historical information, and may train, using the normalized portions of the historical information, each generative ai model of the plurality of generative ai models. the computing platform may receive, from a user device, a generative ai prompt. the computing platform may generate, by inputting the generative ai prompt into one of the plurality of generative ai models, a generative ai response, and may send, to the user device, the generative ai response.


20250117730. SYSTEMS AND METHODS FOR DETECTING ATTRITION IN A DISTRIBUTED NETWORK USING ARTIFICIAL INTELLIGENCE_simplified_abstract_(bank of america corporation)

Inventor(s): Michael J. Oberle of Waxhaw NC US for bank of america corporation, Robert M. McMillon, II of Cumming GA US for bank of america corporation, James Matthew West of Carrollton TX US for bank of america corporation

IPC Code(s): G06Q10/0637, G06Q30/015, G06Q30/0202

CPC Code(s): G06Q10/06375



Abstract: systems, computer program products, and methods are described herein for detecting attrition in a distributed network using artificial intelligence. some embodiments are directed to a system including a first artificial intelligence engine configured to determine indicators of relationships between users and entities and a second artificial intelligence engine configured to determine statuses of relationships between the users and the entities. the system may determine, using the first artificial intelligence engine, and based on data associated with interactions between a user and an entity, a plurality of indicators of a relationship between the user and the entity. the system may determine, based on the plurality of indicators, based on the data associated with the interactions between the user and the entity, and using the second artificial intelligence engine, a status of the relationship between the user and the entity.


20250117785. System and method for implementing traceability to a data item_simplified_abstract_(bank of america corporation)

Inventor(s): Abhijit Behera of Telangana IN for bank of america corporation, Gowri Sundar Suriyanarayanan of Tamilnadu IN for bank of america corporation, Maneesh Kumar Sethia of Telangana IN for bank of america corporation

IPC Code(s): G06Q20/38

CPC Code(s): G06Q20/3827



Abstract: a system for implementing traceability to a data item comprises a user device and a gateway server. the user device appends headers to a data packet that includes the data item. the headers comprise parameters including origin information associated with the user device and a user. the gateway server receives the data packet and compares each parameter with a counterpart parameter from a list of expected parameters. the gateway server determines whether more than a threshold number of the parameters corresponds to counterpart parameters from among the list of expected parameters. in response to determining that more than the threshold number of the parameters correspond to counterpart parameters from among the list of expected parameters, the gateway server appends a second header to the data packet, where the second header indicates that the data packet is verified. the gateway server communicates a request message that includes the data packet.


20250117791. DE-CENTRALIZED AUTHENTICATION IN A NETWORK SYSTEM_simplified_abstract_(bank of america corporation)

Inventor(s): Pavan K. Chayanam of Alamo CA US for bank of america corporation, Navdeep Mahajan of Charlotte NC US for bank of america corporation

IPC Code(s): G06Q20/38, H04L9/40

CPC Code(s): G06Q20/389



Abstract: user authentication and validation for performing transactions may be performed by a validation server of a service provider. for example, when a login request or purchase request is received, the request may be authenticated or validated before permitting the requested transaction. in some arrangements, the validation may be delegated to one or more devices or users external to the service provider. multiple validation users may be consulted for each transaction request to determine a consensus validation decision. a consensus may be reached based on unanimous responses or based on a specified threshold level (e.g., more than 50% responding positively or negatively). the service provider may use this consensus determination to authorize or reject a transaction request.


20250117846. SYSTEM AND METHOD FOR DETERMINING OPTIMAL RESOURCE TRANSFER ROUTING USING QUANTUM GATEWAY OPTIMIZATION_simplified_abstract_(bank of america corporation)

Inventor(s): Subburathinam Krishnan of Chennai IN for bank of america corporation, Amit Mishra of Egattur IN for bank of america corporation, Shailendra Singh of Thane West IN for bank of america corporation, Krithika Viswanathan of Moulivakkam IN for bank of america corporation

IPC Code(s): G06N10/70, G06N10/20

CPC Code(s): G06N10/70



Abstract: systems, computer program products, and methods are described herein for determining optimal resource transfer routing using quantum gateway optimization. the present disclosure is configured to receive a resource transfer request associated with transferring a resource from a submitting device to a receiving device, wherein the resource transfer request comprises resource transfer instructions and resource transfer metadata; determine, in response to the resource transfer request, an optimized gateway route, wherein the optimized gateway route defines a series of gateways that the resource to be transferred may be processed, and wherein determining the optimized gateway route comprises analyzing the resource transfer instructions, resource transfer metadata, and one or more gateway route characteristics; and complete the resource transfer request, wherein completing the resource transfer request, wherein completing the resource transfer request comprises transferring the resource from the submitting device to the receiving device via the optimized gateway route.


20250118029. SYSTEMS AND METHODS FOR MAINTAINING SECURITY OF VIRTUAL OBJECTS IN A DISTRIBUTED NETWORK_simplified_abstract_(bank of america corporation)

Inventor(s): Syed Najumudeen of Hyderabad IN for bank of america corporation, Dalydas Karanath of Thrissur IN for bank of america corporation, Aravinth Selvamani of Chennai IN for bank of america corporation

IPC Code(s): G06T19/00, G06T13/40, H04L9/40

CPC Code(s): G06T19/003



Abstract: systems, computer program products, and methods are described herein for maintaining security of virtual objects in a distributed network. some embodiments are directed to a system including a first artificial intelligence engine configured to determine viewing angles of avatars moving along access paths in a virtual world and a second artificial intelligence engine configured to determine movements of the avatars moving along the access paths in the virtual world. the system may include a third artificial intelligence engine configured to generate visual content based on attributes of users associated with the avatars, the access paths, the viewing angles of the avatars moving along the access paths in the virtual world, and the movements of the avatars moving along the access paths in the virtual world.


20250118129. Counterfeit Note Detection Via Machine Olfaction Chemical Analysis_simplified_abstract_(bank of america corporation)

Inventor(s): Paul Mattison of Sherrills Ford NC US for bank of america corporation, Richard Brown of Charlotte NC US for bank of america corporation, Ronald Schnittman of Northbrook IL US for bank of america corporation, Carl Parziale of Charlotte NC US for bank of america corporation

IPC Code(s): G07D7/14, G07F19/00

CPC Code(s): G07D7/14



Abstract: a method and system for detecting counterfeit money may include an automated teller machine (atm) including an olfactory sensor configured to detect counterfeit notes and valid notes, an olfactory signature database comprising counterfeit note olfactory signatures and valid note olfactory signatures, wherein the atm may be in communication with the olfactory signature database, and wherein the olfactory sensor via the atm detects and transmits olfactory note signatures to the olfactory signature database, and wherein the atm is configured to reject a detected counterfeit note for deposit.


20250119404. System and method for validating origin information of a data item_simplified_abstract_(bank of america corporation)

Inventor(s): Abhijit Behera of Telangana IN for bank of america corporation, Gowri Sundar Suriyanarayanan of Tamilnadu IN for bank of america corporation, Maneesh Kumar Sethia of Telangana IN for bank of america corporation

IPC Code(s): H04L9/40, H04L45/00

CPC Code(s): H04L63/0236



Abstract: a system for validating the origin information of a data item accesses a data packet that indicates a request to transfer a data item. the data packet is appended with a first header and a second header. the first header comprises information about the sender of the data packet. the second header comprises information about a user device from which the data packet has originated. the system compares the information about the sender of the data packet with previously provided user information and determines that the user information corresponds to the information about the sender. the system communicates a request that indicates whether the information about the user device is valid and receives a message that indicates the information about the user device is valid. in response, the system communicates a message that comprises the data packet and instructions that, upon execution, cause the data packet to be transferred.


20250119423. System and method for user authentication using a static authentication matrix_simplified_abstract_(bank of america corporation)

Inventor(s): Ravi Joshi of Pennington NJ US for bank of america corporation, Anna Kristen Pingel Berry of Indian Land SC US for bank of america corporation, Olga Caroline Kocharyan of Matthews NC US for bank of america corporation, Luqman Abdul Hakeem Sharief of Libertyville IL US for bank of america corporation, Shweta Ambulkar of Plainsboro NJ US for bank of america corporation, Angela F. Ianni of Lincoln RI US for bank of america corporation, Michael William Whitaker of Fort Worth TX US for bank of america corporation, Benjamin Daniel Hardman of Harrisburg NC US for bank of america corporation

IPC Code(s): H04L9/40

CPC Code(s): H04L63/083



Abstract: a method includes receiving a hash of a static password and a hash of a lot-one authentication string from a user device of a user. after an initial validation, an authentication matrix is generated. a block selection process is performed to select spurious and authentication blocks from the authentication matrix. the authentication blocks are selected based on a lot-two authentication string associated with the lot-one authentication string. in response to determining that the spurious and authentication blocks are selected according to a block selection sequence stored in a user profile of the user, a dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. a hash of the dynamic password is generated. in response to determining that the hash of the dynamic password matches a hash of a dynamic password that is stored in the user profile, the user is authenticated.


20250119424. BIOMETRIC DATA-BASED HOLOGRAPHIC AUTHENTICATION_simplified_abstract_(bank of america corporation)

Inventor(s): George Anthony Albero of Charlotte NC US for bank of america corporation, Karen Elizabeth Davis of Charlotte NC US for bank of america corporation, Olga Kocharyan of Matthews NC US for bank of america corporation, Elijah Clark of Charlotte NC US for bank of america corporation

IPC Code(s): H04L9/40, G03H1/00, G06F21/16, H04L9/32

CPC Code(s): H04L63/0861



Abstract: arrangements for biometric data-based holographic authentication are provided. in some examples, biometric data for a plurality of users may be received. a computing platform may receive a request to process an event. in response to receiving the request to process the event, the computing platform may retrieve biometric data of a requesting user and generate, based on the biometric data, a hologram of the biometric data of the user. in some examples, the hologram may be displayed on a device and provided to an authentication reader device as authentication data. the authentication reader device may capture an image of the hologram and the computing platform may receive the image. the computing platform may compare the captured image of the hologram to the generated hologram to determine whether there is a match. if not, the requested event may be denied. if so, the event may be processed.


20250119429. SYSTEMS AND METHODS FOR MAINTAINING SECURITY OF VIRTUAL OBJECTS IN A DISTRIBUTED NETWORK_simplified_abstract_(bank of america corporation)

Inventor(s): Syed Najumudeen of Hyderabad IN for bank of america corporation, Dalydas Karanath of Thrissur IN for bank of america corporation, Aravinth Selvamani of Chennai IN for bank of america corporation

IPC Code(s): H04L9/40

CPC Code(s): H04L63/10



Abstract: systems, computer program products, and methods are described herein for maintaining security of virtual objects in a distributed network. some embodiments are directed to a system including a first artificial intelligence engine configured to determine motives of users associated with avatars in a virtual world and a second artificial intelligence engine configured to determine access paths of the avatars in the virtual world. the system may include a third artificial intelligence engine configured to generate visual content based on attributes of the users, the motives of the users, and the access paths of the avatars. the system may be configured to detect diversions from access paths, determine updated motives of users, determine whether the diversions are permissible, and restrict movement of the avatar within the virtual world.


20250119455. System and method for performing a secured operation_simplified_abstract_(bank of america corporation)

Inventor(s): Abhijit Behera of Telangana IN for bank of america corporation, Gowri Sundar Suriyanarayanan of Tamilnadu IN for bank of america corporation, Maneesh Kumar Sethia of Telangana IN for bank of america corporation

IPC Code(s): H04L9/40

CPC Code(s): H04L63/20



Abstract: a system for performing secured operations includes a user device and a server. the user device generates a first operation data that comprises the origin of the operation and a unique identifier of a user. the user device communicates the operation data to the server. the server generates, based on the first operation data, one or more first conditional rules that comprise a first rule that indicates the operation is to be executed when a second user requesting to receive a data item is identified. the server determines that one or more first conditional rules are met. in response, the server communicates a signal to the user device, where the signal indicates to transfer the data item to a second user device associated with the second user.


BANK OF AMERICA CORPORATION patent applications on April 10th, 2025

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