Bank of America Corporation

Crystal M Sundaramoorthy

Manu Jacob Kurian

Kevin A Delson

Brandon Sloane

Elena Kvochko

Albena Noveva Fairchild

Monika Kapur

Ryan Eric Davis

Saritha Vrittamani

Dipika Jain

Jinna Zevulun Kim

Paul Roscoe

Jayachandra Varma

Jo-Ann Taylor

Gilbert M Gatchalian

Timothy Lamonte Atwell

Srinivasa D Madireddi

Michael S Karafotis

Gopikrishna Nemalikanti

Dimitra J Tsagris

Keesara Himabindu

Angela Cain

Aspects of the disclosure relate to using machine learning to modify account privacy settings. A computing platform may identify initial account settings for an individual of a plurality of individuals. Using a settings optimization model, the computing platform may identify account data and third party data for the individual. Using the settings optimization model, the computing platform may identify discrepancies between the initial account settings for the first individual and account settings for a subset of the plurality of individuals having common characteristics with the individual. Based on the discrepancies, the computing platform may identify settings modifications for the individual, and may determine that a modification of the settings modifications applies to a detected interaction of the individual. The computing platform may direct an enterprise data source to perform the modification, which may cause the enterprise data source to modify the initial account settings based on the modification.

Settings optimization engine using artificial intelligence to enhance client privacy

Aspects of the disclosure relate to using secure authentication tokens to grant power of attorney. A computing platform may receive user input indicating a task and requesting that a power of attorney be granted to an individual. The computing platform may generate an authority token granting the individual the power of attorney to perform the task, and may send the authority token, along with task information indicating the task, to the individual. The computing platform may receive a validation request including the authority token and the task information. Based on successful validation, the computing platform may send validation information to an event processing system. After receiving confirmation that the task has been performed by the individual, the computing platform may update dashboard information to indicate that the task has been completed, which may cause the user device to display a dashboard indicating completion of the task.

Coordination platform for generating and managing authority tokens

A bottom-up hierarchical computer network architecture is provided. The architecture may include a central server. The architecture may also include a plurality of edge nodes that may be coupled to the central server. At least a first one of the edge nodes may be configured to process a transaction, compile data associated with the transaction, and store the data as a master dataset in the first edge node. The architecture may also include a data administration module. The data administration module may be configured to compare the master dataset in the first edge node to transactional data in the central server. When the transactional data in the central server is inconsistent with the master dataset in the first edge node, the data administration module may be configured to update the transactional data in the central server to be consistent with the master dataset in the first edge node.

Edge-computing-based bottom-up hierarchical architecture for data administration in a digital network

A system that includes a tagging engine and a routing engine. The tagging engine is configured to link a data element with an access control tag. The tagging engine is configured to apply context rules to the access control tag array based on the content of the data element to change the access control tag value for one or more of the access control tags. The tagging engine sends the data element with the access control tag array to a target network node within an end user group. The routing engine is configured to identify an access control tag value in the access control tag array corresponding with the end user group and to forward the data element to the target network node in response to determining that the access control value is greater than or equal to the access control level associated with the end user group.

Access control value systems

This disclosure describes an edge-node computing system that provides streamlined access to secured products/services based on data captured by one or more sensors. The captured data may include unsolicited authenticators. Edge-nodes may process the captured data and perform a plurality of pre-authentication routines. A consensus protocol executed by the edge-nodes may establish a threshold pre-authentication of a customer based on the plurality of pre-authentication routines. Edge-nodes may configure an automated teller machine ('ATM') to provide the customer access to the ATM based on the threshold pre-authentication. The edge-nodes may configure the ATM to allow the customer to use a contactless authentication method to access the ATM.

Edge-node touchless authentication architecture

A method for aggregating outage data via an edge computing system is provided. The method may include transmitting, by each edge-node included in a network, a self-identifying, self-locating, communication. The method may include receiving, at each edge-node included in the network, self-identifying, self-locating, communications from one or more edge-nodes included in the network. The method may include detecting an outage relating to a first edge-node included in the network. The outage may be detected by at least one edge-node included in the network. The at least one edge-node may not be the first edge-node. The at least one edge-node may be the first edge-node operating in limited capacity. The method may include identifying a most-recently confirmed location of an entity co-located with the first edge-node. The method may include dispatching outage-restoration-assistance to the most-recently confirmed real-time location of the entity co-located with the first edge-node.

Data aggregation via an edge computing system

Systems for dynamic authentication are provided. In some examples, a system may receive a request to process an event. In some examples, the request to process the event may include additional details associated with the event. The system may initiate dynamic authentication functions and may retrieve data from a plurality of sources. In some examples, the data from the plurality of sources may be analyzed using machine learning to dynamically generate authentication data, such as one or more authentication questions. The system may also generate one or more corresponding responses or answers to the one or more authentication questions. In some examples, the one or more authentication questions may be transmitted to a user device or other device and may be displayed to the user. The user may provide authentication response data that may be analyzed by the system to determine whether it matches the generated response or answer. If so, the user may be authenticated and/or the event may be processed.

Intelligent dynamic authentication system

Aspects of the disclosure relate to utilizing smart data tags to track and control secure enterprise data. A computing platform may receive, from an enterprise user computing device, enterprise data. Subsequently, the computing platform may determine one or more tags to be applied to the enterprise data. Then, the computing platform may generate a smart data object based on the enterprise data received from the enterprise user computing device and the one or more tags determined to be applied to the enterprise data received from the enterprise user computing device. Next, the computing platform may send, to an enterprise data storage platform, the smart data object, and sending the smart data object to the enterprise data storage platform may cause the enterprise data storage platform to store the smart data object in a repository comprising a plurality of smart data objects maintained by the enterprise data storage platform.

Utilizing smart data tags to track and control secure enterprise data

A dynamic data management system includes a computing platform having at least one processor, a memory, and a communication interface which may receive from a dynamic data management gateway, a data file. The computing platform may retrieve, based on the data file, a data file profile associated with the data file. The computing platform then may identify, based on the data file profile and a machine learning dataset, one or more organization computing systems authorized to receive the data file. The computing platform may establish a connection with the one or more organization computing systems and, while the connection is established, issue a command to transfer the data file to the one or more organization computing systems. The command, when processed by the one or more organization computing systems, causes a notification to be displayed on at least one recipient computing device.

Dynamic data management system for selectively transferring data files

A method for pre-authenticating a user on the user's mobile device is provided. The method may be implemented on the device. The method may include tracking commonly accessed applications over a pre-determined amount of time. The method may include tracking and storing on the mobile device, application data associated with each commonly accessed application. When a determined current time of day is a pre-determined amount of time prior to the tracked start time of access to a one or more commonly accessed applications, the method may include capturing, autonomously, via each of a plurality of sensors, an attribute associated with the user. The method may further include comparing a value of the attribute captured to a historically stored attribute value. The method may further include verifying and pre-authenticating the user based on the comparing. The method may also include pre-loading the user's mobile device with the commonly accessed application.

Systems and methods for pre-authenticating a user on a mobile device

Aspects of the disclosure relate to implementing and using a data processing system to generate a plurality of user profiles including linked user accounts. An instruction for a transaction may be received from a first user computing device, and a request to complete the transaction on behalf of the first user may be transmitted to a second user computing device. Upon receiving appropriate authorizations, the computing platform may transmit to a participant an instruction to complete the transaction with the second user on behalf of the first user.

Growing community of inventors

Charlotte, NC, United States of America

Crystal M Sundaramoorthy