Bank of America Corporation

Naoll Addisu Merdassa

Joseph Benjamin Castinado

Ann Ta

Kevin Graham Robberts

Brandon Ingram

Lee Ann Proud

Kathleen Hanko Trombley

Therese Humburg Willis

Christopher J Smith

Adam Frederick Perrigo

Brandon Sloane

Pratap Dande

Lalit Dhawan

Vijaya L Vemireddy

Michael Joseph Carroll

Robert Nyeland Huggins

Heather Roseann Dolan

Sachin Lad

Hope Barus

Hosam Sonny ElHamahmy

Paul Benton Murphy

Oscar Guzman

A system includes a memory associated with a first virtual environment that stores data objects associated with a user. The memory is coupled to a processor configured to receive a user credential associated with the user and authorize the user to access the first virtual environment. The processor receives a request from the user to enter a second virtual environment accessible through the first virtual environment and generates a virtual pass for a first avatar of the user to enter the second virtual environment. The processor receives a request to perform a transfer of a selected amount of a first type data object and transfers the selected amount of the first type of data object from the memory to the second virtual environment. The processor receives an indication that the transfer is completed and deletes the selected amount of the first type of data object from the memory.

Managing virtual data objects in virtual environments

Embodiments of the invention are directed to systems, methods, and computer program products for onboarding digital content to a platform designed specifically for seamless creation and user-friendly management of non-fungible tokens. The invention allows for users with zero knowledge of decentralized protocols to leverage the benefits of such technologies by providing a system for uploading existing digital content, automating the creation of one or more non-fungible tokens, managing permissioned access to the non-fungible tokens, and facilitating the ownership transfer of the non-fungible tokens.

Distributed platform for integration of existing digital unique resources

Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to: receive from a first user input device a resource transfer request via a first communication channel, wherein the first user input device is associated with a resource distribution platform; determine that the first communication channel does not meet one or more preset channel requirements for secure communication; receive information regarding one or more user input devices associated with one or more communication channels; determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements; and trigger the second user input device to establish a communication link with the first user input device to form an alternate communication channel with the first user input device.

System for implementing dymanic network channel switching for secure communication

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

The present invention receives from a first user input device a resource transfer request via a first communication channel; determines that the first communication channel does not meet channel requirements for secure communication; determines whether other the communication channels associated with other input devices meet the channel requirements; determines user input devices whose communication channels does not meet the channel requirements; determines alternate communication channels for the user input devices whose communication channels does not meet the channel requirements using the user input devices whose communication channels meets the channel requirements; determines a second communication channel associated with a second user input device meeting the channel requirements; triggers the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device; and executes the resource transfer request.

System for implementing dynamic network channel switching for secure communication

A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.

Biometric authentication based on behavioral analysis

Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols. The present invention is configured to receive, from a first user input device, a request to access resources via a first communication channel; determine, using a network device configuration monitoring engine, device configuration parameters associated with the first user input device; determine configuration requirements associated with the first communication channel; determine that the device configuration parameters associated with the first user input device does not meet the configuration requirements associated with the first communication channel; trigger a channel switch engine; determine, using the channel switch engine, that the device configuration parameters associated with the first user input device meets configuration parameters associated with a second communication channel; and authorize the first user input device to access the resources via the second communication channel.

System for dynamic communication channel switching based on preconfigured network security protocols

Embodiments of the present invention provide a system for analyzing using artificial intelligence engines depicted in audio visual content. The system is configured for determining that a user has accessed a first audio visual content on an audio visual content providing platform, performing a frame-by-frame analysis to determine one or more resources depicted in the first audio visual content, identifying one or more third party systems associated with the one or more resources, crawling the one or more third party systems associated with the one or more resources, extracting resource information associated with the one or more resources from the one or more third party systems based on crawling the one or more third party systems, and embedding the resource information associated with the one or more resources in the first audio visual content.

Systems, methods, and apparatuses for analyzing, using AI engines, resources depicted in audio visual content

A system includes a memory associated with a first virtual environment that stores digital assets associated with a user. The memory is coupled to a processor that is configured to receive a user credential associated with the user and authorize the user to access the first virtual environment. The processor receives a request from the user to enter a second virtual environment accessible through the first virtual environment and generates a virtual pass for a first avatar of the user to enter the second virtual environment. The processor receives a request to perform in the second environment a data interaction associated with a digital asset and provides the first avatar access from the second environment to the digital asset. The processor receives an indication that the data interaction is completed and updates the digital asset in the memory to reflect the data interaction.

Managing digital assets in virtual environments

Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.

Generating dynamic security queries for knowledge-based authentication based on historical datasets

A system includes a memory and a processor coupled to the memory. The processor is configured to receive a first user credential associated with a user and authorize an avatar of the user to enter a virtual environment. The processor receives a second user credential associated with the user and authorizes the first avatar to access a virtual entity in the virtual environment. The processor receives a request from the user to authenticate the virtual entity and, in response, retrieves user data associated with the user and presents it to the user in the virtual environment. The processor receives an indication from the user that the virtual entity is authentic. The processor then receives a request from the user to perform a virtual data interaction with the virtual entity and initiates the requested data interaction.

Authenticating a virtual entity in a virtual environment

Embodiments of the present invention provide a system for facilitating creation, verification, and management of digital resources. The system is configured for receiving a digital content for upload to a distributed register from a user, via a user interface, receiving one or more instructions associated with distribution of the digital content from the user, via the user interface, creating one or more digital resources from the digital content via the user interface based on the one or more instructions received from the user, and storing the one or more digital resources on the distributed register.

System and method for facilitating creation, verification, and management of digital resources

Embodiments of the invention are directed to systems, methods, and computer program products for intelligent verification of digital files via the analysis of metadata and other file characteristics. The system is adaptive, in that it can be adjusted based on the needs or goals of the user utilizing it, or may intelligently and proactively adapt based on the files or data received for processing. The system may be seamlessly embedded within existing applications or programs that the user may already use to interact with one or more entities.

System for image/video authenticity verification

Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

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Shakopee, MN, United States of America

Naoll Addisu Merdassa