Bank of America Corporation

Kevin A Delson

Gilbert M Gatchalian

Manu Jacob Kurian

Brandon Sloane

Siten Sanghvi

Crystal M Sundaramoorthy

Kamal D Sharma

Monika Kapur

Maharaj Mukherjee

George Albero

Pratap Dande

Ryan Eric Davis

Heather Roseann Dolan

Lalit Dhawan

Albena Noveva Fairchild

Amer Ali

Jesse Strickland Newsom, Iii

Dhananjay Bhat

Robert R Rosseland

Brian Christman

Russ Ferguson

Noell York Eury

Satya Veerabhadra Rao Iruku

Jayachandra Varma

Morgan Stewart Allen

Prabhat Ranjan

John Ryan Bowling

Yogi Ahuja

Swetha Ravi

Yassine Touahri

Karthik A Rajagopalan

Naga Vamsi Krishna Akkapeddi

William August Stahlhut

Eric Dryer

Saritha Vrittamani

Vijaya L Vemireddy

Linda Haddad

Gopikrishna Nemalikanti

Srinivasulu Bodapati

Kevin Luong Tran

Rohit Sawkar

Jyothishwar Reddy Sama

Aaron Gee

Larry A Davis, Jr

Matthew Eisenhauer

Kurt Clarence Blust

Ronald D Hooper

Megan Kelly

Kevin Tran

Keesara Himabindu

Angela Cain

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

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

A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.

ATM leveraging edge devices for alternative data routing

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

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

Bots are typically programmed to automate tasks and provide statistically expected results. However, a bot may malfunction and generate aberrant outputs. It is technically challenging to detect the aberrant outputs and determine whether the outputs are due to an error in how the bot processes inputs or because the bot has received unusual or unexpected input data. Apparatus and methods are provided for auto-determining why a bot has generated output outside expected results. An auto-correct bot will detect problems and auto-identify potential solutions, simulate those solutions and apply those solutions to remediate the malfunctioning bot.

Self-correcting bot

A method using one or more mobile devices for transporting information from an automated teller machine ('ATM') to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.

ATM leveraging edge devices for round-trip data routing

A system for facilitating offline processing of electronic transactions at an ATM when the ATM does not support a network connection may be provided. The system may include a mobile device configured to store an updatable account balance of a personal account associated with a user of the mobile device and transaction data associated with a plurality of transactions executed via the mobile device. The system may include the ATM being configured to operate in an offline processing mode when the network connection is unsupported. The offline processing mode may include the ATM receiving a transaction request and account data from the mobile device. The ATM may be configured to authenticate or deny the executing of the transaction request based on a predetermined threshold of transaction locations positioned at a distance greater than or less than a pre-determined distance from the ATM.

ATM leveraging edge devices for offline processing

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

Growing community of inventors

Woodland Hills, CA, United States of America

Kevin A Delson