Bank of America Corporation

Ajay Kumar Gowni

Maneesh Kumar Sethia

Shailendra Singh

Abhijit Behera

Saurabh Garg

Rajasekhar Madala

Systems, methods, and apparatus are provided for implementing a dynamically customized ATM payload. An ATM may extract a user identifier and home region during a session. The ATM may be a node on a distributed network and securely publish data to a distributed hash table. Extracted data may trigger smart contract logic including a transaction rule associated with the user and a transmission rule restricting network switches for payload delivery outside the home region. AI algorithms may generate a custom payload including the transaction rule and an interface adapted for the user home region. The payload may be pushed to the ATM via a set of spine-leaf switches based on the transmission rule. The payload may be deployed at the ATM during the session to modify a default ATM interface and a default ATM transaction rule. The ATM may purge the payload from memory when the session is terminated.

Dynamic custom automated teller machine (ATM) payload

Methods, systems and apparatus for dynamic multi-level detection of compromised transaction receivers are provided. The apparatus may include a sensor communication module ('SCM') to monitor a transaction between a card and a card reader. The apparatus may include a terminal software module (“TSM”) configured to compare sensor data with data included in a threshold lookup table. Based on the comparison, the TSM may output a threshold status. The status may indicate a violation or confirmation. The apparatus may include a dynamic mutual cryptographic authenticator (“DMCA”). The DMCA may terminate the transaction in response to receipt of the threshold violation. The DMCA may initiate an encrypted challenge response communication module (“ECRCM”) in response to receipt of the threshold confirmation. The ECRCM may verify decryption and exchange of challenges between the card and the card reader. In response to confirming the decryption and exchange of the challenges, the transaction may be authenticated.

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Hyderabad Telangana, India

Ajay Kumar Gowni