Bank of America Corporation

Lalit Dhawan

Manu Jacob Kurian

Christine Meloro Hill

Robert N Gridley

G Alister Bazaz

Pratap Dande

Kevin A Delson

Swetha Ravi

Joseph Benjamin Castinado

Brandon Sloane

Jayachandra Varma

Morgan Stewart Allen

Naoll Addisu Merdassa

Gilbert M Gatchalian

Vijaya L Vemireddy

Michael Joseph Carroll

Robert Nyeland Huggins

Elena Kvochko

Eric Dryer

Linda Haddad

Govinda Rajulu Nelluri

Donald Steve Curtis

Srinivasa Rao Dakshinyam

Sumita Desai

Robert Julian Oddy

Vaughn Maurice Bivens

Rohit Sawkar

Anup C Menon

Alejandro Jose Carao

Claire A Rolfes

Sudhaker Raj

Sanjeev Verma

Apparatus and methods are provided for an autonomous bot that learns from user activity. The bot then autonomously acts to complete tasks that the user typically performs. The bot may detect and act in response to detecting a problem with an application. The bot may dynamically generate guidance that assists the user completing a target task. Illustrative guidance may include highlighting differences between software applications, identifying information missing from a document or form and demonstrating how to obtain the needed information or complete a task.

Self-healing bot

Embodiments of the present invention provide a system for segmenting and controlling transmission of data in computing networks. The system is configured for identifying initiation of transmission of a data file from a first storage container to a second storage container via a first network path, wherein the first network path comprises one or more network nodes, in response to identifying initiation of the transmission of the data file, generating a data tag for the data file, wherein the data tag is generated based on one or more file attributes, embedding the data tag into the data file, and allowing the transmission of the data file comprising the data tag, via the first network path and the one or more network nodes.

Systems for segmenting and controlling the transmission of data in computing networks

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 includes a user device that can be used by a user to enter a virtual environment and at least one processor coupled to the user device. The processor is configured to record a plurality of real-world data interactions performed by the user and determine a real-world behavior of the user based on the recorded data interactions. The processor receives a request by the user to perform a data interaction in the virtual environment. The processor verifies whether the requested data interaction is in accordance with the recorded real-world behavior of the user. When the requested data interaction is not in accordance with the real-world behavior of the user, the processor verifies the data interaction in the real-world environment and allows the user to perform the data interaction in the virtual environment upon successful verification of the data interaction.

Interoperability of real-world and metaverse systems

Embodiments of the present invention provide a secure edge device for contactless resource distribution and resource crediting from an automobile. In this way, the edge device may be affixed to or embedded within the side or the mirror of an automobile and be able to communicate with a third party device using near field communication. Upon authentication of a user, the edge device may communicate with the third party to transmit and present data about the resource distribution to the automobile display. The system allows for the user to select the resource distribution via the automobile display and provide a completion of resource distributions.

Secure edge device for contactless vehicle processing

A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.

System and method for performing interactions across geographical regions within a metaverse

A system includes a memory, a user device that can be used by a user to enter a virtual environment and a processor coupled to the user device and the memory. The processor is configured to receive a first user credential from the user to perform a first data interaction in the virtual environment with a second user. The processor detects that the first user and the second user are part of a first virtual community, invokes a first set of rules, and processes the first request according to the first set of rules. The processor receives a second request from the first user to perform a second data interaction in the virtual environment with a third user. The processor detects that the third user is part of a second virtual community, invokes a second set of rules, and processes the second request according to the second set of rules.

Data security in virtual-world systems

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

Aspects of the disclosure relate to deploying and utilizing a dynamic data stenciling system with a smart linking engine. A computing platform may receive source data from one or more data source systems. Subsequently, the computing platform may identify a target application hosted by an enterprise application host platform as being an intended recipient of a portion of the source data. Then, the computing platform may select a dynamic data stencil from a plurality of available data stencils. Thereafter, the computing platform may overlay the portion of the source data onto the target application using the dynamic data stencil. In addition, by overlaying the portion of the source data onto the target application using the dynamic data stencil, the computing platform may cause the target application to execute one or more data processing functions using the portion of the source data received from the one or more data source systems.

Deploying and utilizing a dynamic data stenciling system with a smart linking engine

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

Validated tracking of events associated with equipment during the course of a resource arrangement. The events include location-changing events, which provide for a physical change in location of the equipment. The verified tracking of the events is provided by a distributed trust computing network, which through convergence by one or more decentralized nodes provides for authenticating/validating data stored within distributed registers/ledgers. Specific to the invention, once a location-changing event is determined/detected, the location-changing event is registered in the distributed trust computing network by creating and validating a data block within a distributed register/ledger that includes information pertaining to the location-changing event. In this regard, the existence of the data block within the distributed register/leger serves as a verified source of truth of the occurrence of the location-change event, which is capable of identifying the verified current location of the equipment at any point in time.

System for validated tracking of events associated with equipment during a resource arrangement

A system for integration and interoperability between disparate distributed server technologies is provided. In particular, the system may provide communications functionality between heterogenous distributed register technology networks. In this regard, the system may establish an interoperability layer between the disparate networks to allow cross-network process flows to be executed. The interoperability layer may comprise one or more network services nodes for each distributed register technology to be integrated by the system. Each network services nodes may act as an event handler for internal processes executed within a given distributed register network and be configured to send and receive data from other network services nodes regarding the execution of such processes. The respective network services may then use the data obtained regarding such internal processes to in turn execute its own processes. In this way, the system may efficiently integrate networks using disparate distributed register technologies.

Growing community of inventors

Franklin Park, NJ, United States of America

Lalit Dhawan