Bank of America Corporation

Geeta Bora

Sudhakar Balu

Lakshmanan Palaniappan

Udaya Kumar Raju Ratnakaram

Mallidi Bhagya Lakshmi Sudha Lavanya

Vijay Kumar Yarabolu

Computer-implemented cyber-security, behavior-generated, event-type signed processes and machines provide for authentication and immutable transactions to overcome security risks. Clients submit requests for an immutable transactions and interactions responsive to the request are sent by the server to the client. The server generates behavioral expectations for the interactions, stores them for future comparison purposes, and transmits those to the client. The client executes user events for the interactions. The client behaviorally analyzes the user events and generates behavioral vectors corresponding to the user events. Intermediate client hashes that culminate in a final client hash are generated. User events are sent to the server. The server generates a server hash based on the behavioral expectations and the user events. The server compares the final client hash to the server hash to determine if the transaction is authentic and should be stored as immutable.

Behavior-generated and client-event signed immutable transactions

A processor receives a request to communicate a source data using a preferred communication channel and obtains a first set of communication templates that correspond to a type of the source data and the preferred communication channel. The processor determines that no communication template in the first set includes a template associated with an overall performance indicator that equals or exceeds a first threshold. The pressor selects from the first set of communication templates, one or more communication templates that are associated with the highest values of the overall performance indicator. The processor then obtains an individual performance indicator associated with each multimedia component included in the selected one or more communication templates and generates a custom communication template by adding multimedia components having high individual performance indicators. The processor transforms the source data based on the custom communication template and transmits the transformed communication using the preferred communication channel.

Transforming source data based on performance indicators associated with templates

A processor receives a request to communicate a source data using a preferred communication channel and obtains a first set of communication templates that correspond to a type of the source data and the preferred communication channel. The processor obtains a performance indicator associated with each communication template from the first set of communication template and selects from the first set of communication templates, a communication template associated with the highest value of the performance indicator. The processor transforms the source data using the selected communication template by formatting the source data based at least on one or more multimedia components associated with the selected communication template and transmits the transformed source data using the preferred communication channel.

Selecting a template for transforming source data using a cognitive engine

A processor receives a request to communicate a source data using a preferred communication channel and obtains a first set of communication templates that correspond to a type of the source data and the preferred communication channel. The processor obtains an overall performance indicator associated with each communication template from the first set of communication template and selects from the first set of communication templates, one or more communication templates that are associated with a value of the overall performance indicator that equals or exceeds a first threshold value. The processor then obtains an individual performance indicator associated with each multimedia component included in the selected one or more communication templates and generates a custom communication template by adding multimedia components having high individual performance indicators. The processor transforms the source data based on the custom communication template and transmits the transformed communication using the preferred communication channel.

Generating a dynamic template for transforming source data

Aspects of the disclosure relate to intelligent processing of broken or failed ATM transactions. In some embodiments, a computing platform may receive transaction data associated with a pending transaction initiated on a mobile computing device and generate hash information corresponding to the received transaction data. Then, the computing platform may identify ATMs previously visited by the user. Based on performing analytics on those previously visited ATMs, the computing platform may identify, from those previously visited ATMs, one or more alternate ATMs for completing the pending transaction. Next, the computing platform may send a notification to the mobile computing device that includes navigation information. Thereafter, the computing platform may cause the alternate ATMs to await input from the user by sending the generated hash information. In response to receiving a message indicating completion of the pending transaction, the computing platform may initiate clearing of a pending status of the pending transaction.

Intelligent processing of broken or failed ATM transactions

Aspects of the disclosure relate to intelligent processing of broken or failed ATM transactions. In some embodiments, a computing platform may receive transaction data associated with a pending transaction of a user and generate hash information corresponding to the received transaction data. Thereafter, the computing platform may identify one or more alternate ATMs for completing the pending transaction and generate navigation information corresponding to the one or more alternate ATMs. Subsequently, the computing platform may send the generated hash information to the one or more alternate ATMs. By sending the hash information, the computing platform may cause the one or more alternate ATMs to await input from the user. In response to receiving a message indicating completion of the pending transaction at the one or more alternate ATMs, the computing platform may initiate clearing of a pending status of the pending transaction.

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Hyderabad Telangana, India

Geeta Bora