Bank of America Corporation

Other

Jo-Ann Taylor

Michael Robert Young

Manu Jacob Kurian

Michael James Sbandi

Jinna Zevulun Kim

Vijaya L Vemireddy

Christine D Black

Katherine Kei-Zen Dintenfass

Paul Roscoe

Monika Kapur

Saritha Vrittamani

Crystal M Sundaramoorthy

Benjamin F Tweel

Timothy Lamonte Atwell

Srinivasa D Madireddi

Jennifer T Renckert

Michael S Karafotis

Amelia B Hartman

Casey L Flaherty

Zarna Arun Patel

Andrea Robinette

Katherine Dintenfass

Olga Kocharyan

Karen Lea MacQueen

Kyle A Mayers

Robert Cain Durbin, Jr

Adam Kristian King

Son Huynh

Rebbecca Danielle Nelson

Chiamaka Azih

Kathleen Rae Hablutzel

Vicky Kivuti

Angelica Barrera

Simon Neil Riggs

Anna Berry

Systems, computer program products, and methods are described herein for controlling electronic communications in real time via an artificial intelligence engine based on location data and user data. The present invention may be configured to determine a location of a user device associated with a user based on location data generated by the user device and determine, using an emotional artificial intelligence engine, an emotional state of the user based on user data. The present invention may be configured to determine resources associated with the user and identify, from the resources associated with the user, relevant resources associated with an entity in proximity to the location of the user device. The present invention may be configured to generate, based on the emotional state of the user, notifications including information regarding the relevant resources and present, using an output device of the user device, the notifications to the user.

Systems and methods for controlling electronic communications in real time via an artificial intelligence engine based on location data and user data

Systems, and methods are described herein for integrated analysis of foreground and background communication data. The present disclosure is configured to collect foreground communication data from one or more data sources; collect background communication data from one or more data sources; pre-process the collected data to clean, normalize, and transform it into a uniform format; integrate the pre-processed data into a cohesive dataset via data alignment based on common identifiers such as timestamps or session IDs; analyze the integrated dataset using an artificial intelligence (AI) engine employing machine learning algorithms to identify patterns and generate responses based on the cohesive dataset; generate an initial AI response based on the analysis; present the AI-generated response and alternative solutions to a user through an interactive user interface; capture user feedback on the presented responses and alternative solutions; and retrain the AI engine based on the captured user feedback to improve future decision-making.

Systems and methods for integrated analysis of foreground and background communication data

Systems, computer program products, and methods are described herein for processing of event data real time in an electronic communication via an artificial intelligence engine. The present invention is configured to electronically receive an electronic communication from a user to an entity, identify event data associated with the user, identify an inflection level and a language attribution level from the electronic communication by processing the electronic communication with an input recognition engine, form a categorization level by categorizing the electronic communication comprising the inflection level and the language attribution level using an artificial intelligence engine, and route the electronic communication to a designated group containing users associated with the entity and/or an artificial intelligence-based dialogue resolution.

System and method for processing of event data real time in an electronic communication via an artificial intelligence engine

Embodiments of the present invention provide a system for dynamically configuring graphical user interface based on tracking response to interface components. The system is configured for determining that a user has accessed an entity application via a user device, presenting a graphical user interface associated with the entity application to the user on the user device, wherein the graphical user interface comprises one or more interface components, monitoring and capturing response of the user via the user device based on presenting the graphical user interface, gauging the response of the user via an artificial intelligence engine, and dynamically configuring the graphical user interface based on gauging the response of the user.

System and method for dynamically configuring graphical user interfaces based on tracking response to interface components

A system for real-time authenticated obfuscation of electronic data provides real-time visual obfuscation of the data by transforming displayed data into undecipherable data when viewed by an unauthorized user while maintaining access for an authorized user. The system may further provide application-level obfuscation of electronic data via cryptographic keys such that only authorized applications may decrypt the encrypted data. In this way, the system provides secure access control of electronic data within a networked environment.

System for real-time authenticated obfuscation of electronic data

Aspects of the disclosure relate to identity management and recommendation. A computing platform may receive a request to access information associated with one or more user accounts. The computing platform may send a biometric authentication prompt for identifying a user. The computing platform may receive biometric input of the user. The computing platform may retrieve one or more biometric enrollment templates from a database. The computing platform may compare the biometric input to the one or more biometric enrollment templates to determine if a match exists between the biometric input and one of the one or more biometric enrollment templates. Responsive to the user being authenticated based upon a match, the computing platform may retrieve and send information associated with the one or more user accounts. The computing platform may generate and send one or more recommendations associated with usage of the one or more user accounts.

Account establishment and transaction management using biometrics and intelligent recommendation engine

An information security system that includes a data control engine configured to receive a data file and to segment the data file into a set of data blocks that each contain a portion of data from the data file. The data control engine is further configured to associate the set of data blocks with a reference tag and to store an association between the set of data blocks and the reference tag. The data control engine is further configured to identify an access key for encrypting each data block, to encrypt each data block with a corresponding access key, and to store an association between each data block and each corresponding access key. The data control engine is further configured to store each data block in a memory and to store location information identifying the location of each data block in the memory.

Data access control using data block level encryption

Information technology/cyber security for computer-related processes in which vulnerabilities are identified and, those vulnerabilities which are technology-related are automatically remediated by determining and executing network-based tasks. The most granular level of computer-related process assessment in made possible by reliance on a critical function/process taxonomy this is automatically generated and, as such, the present invention, identifies both technology and non-technology-related vulnerabilities.

Information technology security assessment model for process flows and associated automated remediation

Embodiments of the invention are directed to a system, method, or computer program product for integration with a wearable device for impetus resource distribution process confirmation and authentication. In this way, the invention coordinates with a wearable device and resource distribution vehicles of a user. Upon activation of a resource distribution vehicle, the system reviews metrics from the wearable device to identify discrepancies between the real-time metrics and a baseline for the user. The invention triggers tiered confirmation requests for authentication prior to allowing processing of the resource distribution for impetus distribution prevention.

System for impetus resource distribution process confirmation with wearable device integration

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

A device configured to receive a data storage request that identifies a target data storage device for a data element. The device is further configured to determine a security level associated with the target data storage device. The device is further configured to determine a protection level range based on the determined security level and to identify one or more security controls within the protection level range. Each security control comprises a hardware configuration for data storage devices that are associated with mitigating one or more vulnerability types. The device is further configured to output the identified one or more security controls.

Threat analysis for information security

Apparatus and methods for establishing a user Internet of Things ('IoT') system is provided. The method may be performed by a central IoT hub run on a user's personal computing device. The method may include detecting user devices in electronic communication with the central IoT hub and onboarding, to the user IoT system, user devices determined to be in conformance with baseline security protocols and performance characteristics. The onboarded user device may be IoT nodes. The method may include monitoring enterprise data to pre-emptively identify and address probable failures of the IoT nodes prior to failure of the IoT nodes. The method may also include addressing known failures for each IoT node on the user IoT system.

Enterprise IOT system for onboarding and maintaining peripheral devices

A device that includes a biometric device that is configured to capture a biometric signal for a user. The biometric signal is a signal that is linked to the user based on the physical characteristics of the user. The device further includes a memory operable to store a plurality of biometric signals. The device further includes a processor configured to obtain a user password from a user and obtain a first biometric signal for the user. The processor is further configured to identify a stored biometric signal from among the plurality of biometric signals in the memory that closest matches the first biometric signal. The processor is further configured to generate an authentication token by encrypting the user password with the stored biometric signal and to send the authentication token to an authentication device.

Authentication using encrypted biometric information

An apparatus includes a memory and a hardware processor. The memory stores identification information of a user. The processor receives from a device a request for the identification information of the user and in response to the request, appends a data element to the identification information to produce a protected message. The processor also encrypts the protected message to produce an encrypted message and communicates the encrypted message to the device. The data element executes in response to the encrypted message being decrypted, and the data element encrypts the identification information when the data element executes.

Growing community of inventors

Godalming, United Kingdom

Jo-Ann Taylor