Bank of America Corporation

Gilbert M Gatchalian

Kevin A Delson

Kamal D Sharma

Manu Jacob Kurian

Brandon Sloane

Jayachandra Varma

Morgan Stewart Allen

Harvey Summers

Pratap Dande

Vijaya L Vemireddy

Amer Ali

Jesse Strickland Newsom, Iii

Dhananjay Bhat

Robert R Rosseland

Brian Christman

Russ Ferguson

Noell York Eury

Satya Veerabhadra Rao Iruku

Stephen Thomas Shannon

Siten Sanghvi

William August Stahlhut

Lalit Dhawan

Daniel Joseph Serna

Crystal M Sundaramoorthy

Christopher Lamont Rice

Yogi Ahuja

Kamesh R Gottumukkala

Aarron Gull

Yassine Touahri

Karthik A Rajagopalan

Eric Dryer

Saritha Vrittamani

Linda Haddad

Richard Scot

James J Siekman

Sanjay Arjun Lohar

Gopikrishna Nemalikanti

Benjamin F Tweel

Erik Dahl

Dinesh Kumar Agrawal

Steven Nathan Greene

Srinivasulu Bodapati

Kevin Luong Tran

Jay Varma

Swetha Ravi

Rohit Sawkar

Jyothishwar Reddy Sama

Shobha Jacob

Aaron Gee

Larry A Davis, Jr

Matthew Eisenhauer

Keesara Himabindu

Kurt Clarence Blust

Angela Cain

Robert Cliche

Kevin Tran

Embodiments of the invention are directed to systems, methods, and computer program products for proactive resiliency, redundancy and security remediation across a network based on dynamic analysis of technology applications. The invention involves determining whether an entity communication network comprises a redundant technology application associated with a technology application such that the redundant technology application renders a processing activity of the first technology application resilient. Here, the invention involves constructing network vulnerability components associated with a first data flow comprising an open vulnerability component, an unauthorized technology component, and an open security component. The invention may determine a prognostic failure associated with the first data flow based on determining that the entity communication network does not comprise at least one first redundant technology application associated with the first technology application.

Electronic system for proactive resiliency, redundancy and security remediation across a network based on dynamic analysis of technology applications

Arrangements for detecting unauthorized activity based on input method analysis and monitoring are provided. In some aspects, identity information associated with a user may be received and be stored. An input may be received from a computing device of the user. An input pattern of the received input may be determined. Using a machine learning model, the input pattern of the received input may be compared to input patterns of humans and input patterns of machines. Based on the comparison, it may be determined whether the user is a human user or a non-human user. Responsive to determining that the user is a non-human user, a request may be transmitted to the user to provide increased authentication credentials. Responsive to determining that the user is a human user, an identity of the user may be verified by comparing the input pattern of the received input to the stored identity information.

Unauthorized activity detection based on input analysis and monitoring

Systems and methods for multi-dimensional voice-based digital authentication are provided. Methods include receiving, at a central server from a remote user device, a request to access a protected digital resource; displaying a prompt, at the device, requesting a spoken password expression; capturing, at the device, an expression spoken in response to the prompt; determining that the expression satisfies predetermined attributes of the password expression; calculating a voice pattern representation of the expression; determining that the voice pattern representation of the expression satisfies a threshold similarity to a voice pattern representation of the user that is stored in a database at the central server; and, in response to the expression satisfying the predetermined attributes of the password expression and satisfying the threshold similarity to the voice pattern representation of the user that is stored in the database at the central server, authorizing the device to access the protected digital resource.

Multi-dimensional voice-based digital authentication

A system is provided for secure cross partition access and computing device recovery. In particular, the system may comprise a computing device that includes a non-transitory memory or storage device comprising one or more partitions. A user may attempt to log into the device and get locked out of the primary partition of the device after a threshold number of unsuccessful login attempts. The additional partitions of the computing device may store a portion of the authentication credential needed to access the primary partition and prompt the user using an item from the user data stored in a user-specific database. Upon detecting that the user has successfully accessed a threshold number of partitions and/or successfully provided responses to the prompts from a threshold number of partitions, the system may unlock and grant access to the locked partitions.

System for automated self-discoverable generation of networked computing application flows

A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

Banking as a service enabled virtual exchange computing platform

Systems and methods for multidimensional transaction pattern tracking and prediction are provided. A method includes detecting a series of transactions associated with a remote user device and generating a multidimensional transactional profile. Generating the multidimensional transactional profile may involve a first ML model generating a first score representing a first dimension, and a second ML model generating a second score representing a second dimension. The method also includes selecting weightings for the scores, and combining the weighted scores to create the multidimensional transactional profile. The method also includes generating a list of recommended transactional activities and a list of flagged transactional activities, transmitting the list of recommended transactional activities to the remote user device, and detecting additional transactions originating from the account associated with the remote user device. In response to one of the transactions being from the flagged list, the method includes triggering an alert.

Multidimensional transaction pattern tracking and prediction

Systems, computer program products, and methods are described herein for machine learning-based metadata collection and parameterized graph modeling from communication channels. The present disclosure comprises a communication interaction subsystem (CIS) configured to receive requests from a user input device to query network traffic data associated with a plurality of devices. The request comprises a factor set and a correlation criteria. The CIS analyzes the network traffic data based on at least the request and determines a subset of the plurality of devices based on at least the request. The system also comprises a parameterized graph modeling subsystem (PGMS) operatively coupled to the CIS, which is configured to generate a data traffic topography map associated with the subset of the plurality of devices and transmit control signals configured to cause the user input device to display the data traffic topography map.

System for machine learning-based metadata collection and parameterized graph modeling from communication channels

Methods are provided to secure a mutual Transport Layer Security (TLS) verification between a client computer and a server computer, using an authorized viewer. Methods may include intercepting a file at the authorized viewer. Methods may include using a content inspection Artificial Intelligence (AI) module to inspect the data. Methods may include preventing the transmission of malicious data to a server computer.

Mutual transport layer security (TLS) verification using an authorized viewer

Provided is a system for orchestration of a mainframe computing environment. The system may include a mainframe. The system may include components such as a computer processor, a controller, a computing layer, a storage layer, and a network layer. The computer processor may run on the mainframe. The computer processor may utilize an application programming interface (API) to stitch the mainframe with the computing layer, the storage layer, and the network layer. An infrastructure as code (IaC) format may stitch together the components of the system. The computer processor may use the controller to utilize the IaC format to orchestrate the mainframe computing environment. The computer processor may optimize the utilization of the mainframe computing environment.

Private cloud infrastructure stitching process and orchestration

Various aspects of the disclosure relate to automated compliance verification systems for authenticating and verifying compliance associated with electronic transactions. A compliance verification platform may be an intermediary between an application for managing and/or recording transactions and a transaction processing platform for processing a transaction. Based on successful compliance verification and authentication, the compliance verification platform may send notifications to the transaction processing platform to process a transaction requested via the application.

Application programming interface (API)-enabled automated compliance verification and processing

Apparatus and methods for enhancing a videotelephony conference experience by generating dynamic audio channels. Audio outputs may be provided to listeners over different channels. The multiple channels may simulate live, in-person conversation with conference participants. For example, listeners may also conduct separate, private conversations with other participants of the conference without leaving the general conference conversation. The videotelephony conference interface may coordinate presentation of participants to reflect the audio channels provided to a listener. For example, actively speaking participants may be positioned in different regions of the interface.

Video and audio splitting that simulates in-person conversations during remote conferencing

A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

Automated debundling and categorization of purchases

Systems, computer program products, and methods are described herein for network traffic routing and load balancing in an electronic network. The present disclosure is configured to identify, by an application layer, at least one website access request by a user account, wherein a website access request comprises a website identifier; transmit the website access request to a traffic routing layer; identify, by the traffic routing layer, a plurality of potential websites; determine, by the traffic routing layer, whether a routing identifier is present for the user account and in response to determining the routing identifier, pin the user account to a pinned website of the potential websites based on the routing identifier; and determine, by the traffic routing layer, whether the pinned website comprises an up attribute or down attribute, and to direct the website access request based on at least this up or down attribute.

Systems and methods for network traffic routing and load balancing in an electronic network

A system for leveraging a tokening system to authenticate a traveler while maintaining anonymity of the traveler is provided. The system may include a secure central server configured to store identification data associated with a plurality of users. The system may also include a mobile token application for providing a token identifier representing a user's identification data. The mobile token application may be activated by the central server on a mobile device of the user registered with the central server and stored in a secure storage on the mobile device of the user. The system may also include a travel service provider. The travel service provider may be configured to enable reserving a travel reservation file. The travel service provider may be enabled to retrieve a token identifier from the user's mobile device as representing the identification of the user and verify the token identifier with the central server.

Travel identity tokening

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Union, NJ, United States of America

Gilbert M Gatchalian