Bank of America Corporation

Nandini Rathaur

Sandeep Kumar Chauhan

Sandeep Verma

Srinivas Dundigalla

Pavan K Chayanam

Sneha Padiyar

Udaya Kumar Raju Ratnakaram

Puneetha Polasa

Vibhu Srivastava

Shailendra Singh

Aditya Sharma

Divya Sharma

Vasuki Anand

Amardeep Singh Talwar

Tushar Agarwal

Pushpa Neelakantan

Systems, computer program products, and methods are described herein for electronic resource transfers in a distributed network via network-paired resource transfer devices. The present invention is configured to receive login credentials from a user via a user interface of an endpoint device to access an account, determine, in response to a prompt by the user, at least one network device on a wireless network, wherein the at least one network device may include a resource transfer device, display the resource transfer device on the user interface, receive a selection of the resource transfer device via the user interface, activate a user characteristic authentication feature of the resource transfer device, and receive a signal of an authenticated user characteristic from the resource transfer device.

System and method for electronic resource transfers in a distributed network via network-paired resource transfer devices

Systems, computer program products, and methods are described herein for secured data analysis and synthetic identity detection in a distributed ledger network. The present invention is configured to receive an event for a predetermined set of occurrences, generate a first hash packet and a second hash packet, wherein the first hash packet is generated by applying a hashing engine to a first identifier, and wherein the second hash packet is generated by applying the hashing engine to a second identifier, generate, by a distributed ledger server, a first key pair, generate, by the member of the distributed ledger network, a second key pair, encrypt a bundle using the first public key, wherein the bundle comprises the first and second hash packets, and appending the bundle to the transaction object, wherein the transaction object is distributed to the distributed ledger network.

System and method for secured data analysis and synthetic identity detection in a distributed ledger network

Arrangements for generating and using client-side generated one-time passcodes (OTP) for transaction processing are provided. A request to register a user and/or user computing device for client-side OTP processing may be received. A request to register a merchant for client-side OTP processing may also be received and, in respond, a unique access key unique to the merchant may be generated and transmitted to one or more devices. A request to process a transaction may be received and may include the unique access key, transaction details, and user device data. The request may be analyzed to determine whether one or more criteria are met. If so, client-side OTP functions may be enabled. If not, client-side OTP functions might not be enabled and, instead, a request for additional authentication data may be generated and transmitted to the user computing device for display.

Multi-computer system for user authentication based on client-side one-time passcode

Apparatus and methods are provided for extracting and displaying information and data from a stream of information on a pair of smart glasses. One or more content filters describing the desired information and data may be communicated to a content filtering module. The content filtering module may process the stream of information to search for the desired information and data. When the desired information is found within the stream of information, the content filtering module may highlight the desired information, while blurring all other information, within a display on the pair of smart glasses.

Apparatus and methods to extract data with smart glasses

A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

Queue management for pre-staged transactions at ultra-wide enabled ATMs

Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).

Multicomputer system providing voice enabled event processing

Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

Check exception processing in the meta verse

Systems, methods, and apparatus are provided for safe deposit box protocols in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

Metaverse enhanced safe deposit box

Smart glasses may be used for intelligent UI webpage optimization leveraging UI and viewer extraction telemetry. The smart glasses may include an eyeball tracking device. Methods may include tracking the movement of the eye of a user on the UI webpage. Methods may further include capturing a segment of data within the movement of the eye of a user on a UI webpage and storing the segment of data in memory on the smart glasses. Methods may also include updating the UI webpage based on an instruction in the data segment transmitted to the UI. Additionally, methods may include autofilling the data segment at the point of user eye movement on the UI webpage. Eyeball movement data may transfer from the smart glasses to UI webpage code.

Intelligent webpage UI optimization leveraging UI and viewer extraction telemetry

Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

Pre-staged transactions with ultra-wideband networking and haptic feedback

Apparatus, systems and methods for providing a four-part, virtual reality (VR) customer service interaction between a customer service avatar operating on a VR platform and a customer using both a mobile device and a VR device are provided. Methods may include activating a VR session between the customer service avatar and the customer. Methods may include validating the VR session between the customer service avatar and the customer. Methods may include processing a co-browsing VR session request. Methods may include initiating the VR session between the customer service avatar and the customer.

Systems and methods for providing enhanced security features in a virtual reality (VR) onboarding session

Embodiments of the present invention provide a system for facilitating a secure way to allow primary users and secondary users to perform interactions. In particular, the system may be configured to receive an interaction request from a primary user, where the interaction request comprises location of an automated machine, initiate and lock a session between the automated machine and the entity application located on the user device of the primary user, identify a trigger and display a code on the automated machine, wherein the code is scannable by the user device of the primary user or a user device of an authorized secondary user, receive a scanned code from the user device of the primary user or the user device of the authorized secondary user, determine a match between the scanned code and the code displayed on the automated machine, and complete the interaction.

System and method for authenticating secondary users of an entity system

A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.

Intelligent agent

Apparatus and methods for a smart glasses device are provided. The smart glasses device may execute a prediction model on video data captured by the smart glasses device to retrain the prediction model. The prediction model may be retrained in response to a data synchronization between an output of the prediction model and a gesture captured by the smart glasses device.

Growing community of inventors

Hyderabad Telangana, India

Nandini Rathaur