Bank of America Corporation

Lisa Matthews

Susan R Hart

Christopher Daniel Birch

Kelly Renee-Drop Keiter

Cody Dean Searl

Lonnie Jason Carter

Benjamin T Teal

Jingni Li

Embodiments of the present invention provide a system for providing selective security regulations associated with network communications to users. The system is configured for extracting user data associated with a user, identifying one or more characteristics based on the extracted user data, generating a custom security package for the user based on the one or more characteristics, displaying one or more options associated with the custom security package on a user device of the user, prompting the user to select at least one option from the one or more options, receiving the at least one option from the user, and deploying a functionality associated with the at least one option from the custom security package.

Selective security regulation for network communication

Embodiments of the present invention provide systems and methods for evaluating and weighting resource usage activity data. The system may establish a communicable link to a user device via a user application to receive resource activity data and historical data from one or more users or systems via multiple communication channels. The system may evaluate the historical data and determine evaluation criteria based on perceived chance of loss associated with particular metadata characteristics, and use the evaluation criteria as weighted metrics for determining an overall evaluation score for the user based on indication from resource activity data that the user has conducted resource transfers with entities or channels identified in the historical data.

System for evaluation and weighting of resource usage activity

Embodiments of the invention are directed to systems, methods, and computer program products for protection of network-based resource transfers via the use of encrypted tags. As such, the system allows for generation of unique encrypted tags which encode authorization parameters for denominations of electronic resources. The system may then authorize or deny requested network-based transfers by utilizing a decryption module to access the authorization parameters for a specific electronic resource denomination. Furthermore, the system may manipulate the encrypted tags to alter the authorization parameters or to track an electronic resource denomination across multiple network-based transfers.

Encrypted tagging system for protection of network-based resource transfers

Embodiments of the present invention provide systems and methods for generation and maintenance of verified data records. The system may receive a data submission from a user device over one or more communication channels and convert the data submission into a normalized text format for processing and analysis. The data submission may then be analyzed using one or more trained machined learning models in order to identify factual statements and modifiers within the data submission, and generate a confidence score of verified factual information based on corroboration with one or more additional data sources. Additionally, identified modifiers may be analyzed to determine positive or negative sentiment.

System for generation and maintenance of verified data records

Verification of the identities of parties participating in network-based communication, such as telephone communication, including SMS/text communication, email communication and the like is provided. Communication identifiers (IDs) (e.g., telephone numbers, email addresses or the like) are verified as being associated with one or more communication parties and, in response, a verified communication (ID) database is established. The verified communication ID database is relied upon when a user/communication is selecting a communication ID as an address for an impending communication or receiving a communication for determining whether the communication ID is verifiably associated with a known communication party. If the communication ID is determined to be verifiably associated with a known communication party, a visual or audible output may be provided on the user's device or within the communication that indicates that the communication ID is verifiably associated with the known communication party.

Systems for verifying identities of parties participating in distributed network communication

A system for secure data transfer is provided. The system is configured to: generate a database of verified interaction providers comprising verified provider information; determine that a user device has accessed a data transfer location associated with an interaction provider; install a proxy server over the data transfer location, wherein data transfer traffic between the user device and the interaction provider is routed through and monitored by the proxy server; determine, via the proxy server, that the user device has requested an interaction at the data transfer location, the interaction comprising a data transfer; determine that the interaction provider associated with the data transfer location is in the database of verified interaction providers; and in response to determining that the interaction provider is in the database, complete the data transfer through the proxy server.

Secure data transfer system with integrated proxy gateway

Resource event patterns are identified in previously conducted resource events based on historical resource event data and, in some embodiments, pending and/or previous resource event request data. Specifically, the resource event patterns indicate a timing pattern for when resource events included in the pattern are conducted. Based at least on the timing pattern, an optimal time or time period is determined for communicating a notification to the user that is configured to notify a user that a next occurrence of a time within the timing pattern is imminent and that a resource event within the resource event pattern is pending. The optimal time may be close in proximity of the next occurrence of the time within the timing pattern or, depending on other factors, such as user preference, resource volume due, resource volume availability, resource volume due in comparison to typical resource volume due, the optimal time may be farther out from the next occurrence of a time within the timing pattern.

System for pattern recognition to customized resource usage

Aspects of the disclosure relate to dynamically filtering and analyzing internal communications in an enterprise computing environment. A computing platform may receive communications data associated with electronic messages sent by various enterprise users. Subsequently, the computing platform may identify a subset of the communications data as being sent by a first enterprise user. Next, the computing platform may apply a grounded theory model to the subset of the communications data to produce a set of psycholinguistic parameter sub-scores, which the computing platform may map onto a plurality of predefined character traits to produce a user-specific character trait set. The computing platform may set a user-specific risk identifier based on the user-specific character trait set and may process communications data associated with other users. Then, the computing platform may apply an anomaly density evaluation and may produce and/or send a dataset that includes a prioritized list of high risk enterprise users.

Dynamically filtering and analyzing internal communications in an enterprise computing environment

Examples of a user interface are described that may include a master risk landscape map that includes nodes representing risks and links representing correlations between the risks. The visual appearance of the nodes and links may provide information about their characteristics, such as risk likelihood, risks severity, risk detectability, and/or strength of interconnectivity. The user may be able to interact with the master risk landscape map to drill down to further detail while simultaneously removing less relevant information as desired, thereby potentially allowing the user to focus on the most relevant information.

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Charlotte, NC, United States of America

Lisa Matthews