Bank of America Corporation

Durgesh Singh Yadav

Sandeep Kumar Chauhan

Girish Kumar Kakanur

Goverdhan Reddy Nookala

Yash Sharma

Ravikiran Subramanya Rao

Geetika Lal

Ramarao Gaddam

Sudarshan Veeramreddy

Anil Gajula

Santosh Kumar Miryala

Suman Matury

Koteswara Rao Venkata Magham

Allwin Thomas

Systems, computer program products, and methods are described herein for detecting user account misappropriation attempts using artificial intelligence (AI) in an electronic network. The present invention is configured to access a user account database, wherein the user account database comprises at least one user account data; identify a current data transmission associated with a user account, wherein the user account is associated with the user account database; apply the current data transmission to a user account misappropriation AI engine; determine, by the user account misappropriation AI engine, a misappropriation likelihood of the current data transmission; generate a user account report based on the current data transmission and the misappropriation likelihood, the user account report comprising a user account identifier associated with the user account; and generate, based on the misappropriation likelihood, a misappropriation attempt attribute for the current data transmission.

Systems, methods, and apparatuses for detecting user account misappropriation attempts using artificial intelligence in an electronic network

Embodiments of the present invention provide an intuitive platform for non-contact instructions regarding resource allocation. In this way, a user may utilize one or more specific gestures which are captured, analyzed, and responded to by the system of the invention in order to initiate or complete one or more resource activities such as a resource transfer, resource transfer split, or other resource action.

System and methods for detecting and implementing resource allocation in an electronic network based on non-contact instructions

An apparatus for conducting an interaction through established connections using ultra-wideband comprises a processor associated with a server. The processor is configured to receive a request to initiate an interaction between a grouping and an entity device associated with an entity. The processor is further configured to receive user device information for each user device in the grouping based on universal device identifiers. The processor is further configured to determine an account associated with a user based on comparing the received user device information to the stored user device information. The processor is further configured to transmit the interaction to each user device within the grouping. In response to receiving a request from one of the user devices in the grouping to split the interaction, the processor is further configured to conduct at least a first part of a split interaction with the determined account associated with the user.

System and method using peer-to-peer connections with ultra-wideband for an interaction

Systems, computer program products, and methods are described herein for implementing contactless authentication. The present invention is configured to receive a contactless resource transfer interaction by a user using a resource transfer instrument at a resource transfer terminal; retrieve, from the resource transfer instrument, a unique code associated with one or more fingerprint patterns of the user; receive a pattern associated with the contactless resource transfer interaction; determine that the unique code associated with the one or more fingerprint patterns of the user matches one or more pre-registered unique codes associated with the one or more fingerprint patterns of the user; determine that the pattern associated with the contactless resource transfer interaction matches one or more pre-registered patterns associated with one or more authorized contactless resource transfer interactions; and authorize an execution of the resource transfer interaction.

System for implementing contactless authentication

Systems and methods for selectively enforcing business logic on a plurality of applications have been provided. The system architecture may include one or more systems of record and a plurality of applications running on a plurality of client machines. A smart factory may store customer data and associated logic obtained from a system of record. The logic may include rules governing use of the customer data in an application user interface. The smart factory may transmit the rules to the plurality of applications. Each application may include an application integrator configured to receive the rules and execute an update to enforce the rules on an application user interface. In addition, the smart factory customer data may be accessed by the applications to prevent repeated calls to the systems of record for commonly used information.

Smart factory application integration

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Hardoi, India

Durgesh Singh Yadav