Bank of America Corporation

Napangsiri Wanpen

Trish Gillis

Taylor Farris

Patrick Burgess

Robert S Mumma

Benjamin Blad

Jennifer Sanctis

Denise M Marcus

Apparatus and methods for proactively and preemptively communicating with a user interacting with a software application are provided. The apparatus and methods may include an artificial intelligence/machine learning communication engine monitoring and tracking a user's interactions. The apparatus and methods may include the communication engine determining if the user requires further training, if the interaction is fraudulent, and pre-empting requests for information the user may commence. The apparatus and methods may include the communication engine creating and displaying training materials for the user to complete, revoking access if fraud is present, and proactively providing information before the user requests the information.

Apparatus and methods for proactive communication

Systems described herein may autogenerate dynamic passwords for cryptocurrency conversion apps that require a password. Protected services provided by a cryptocurrency conversion app may allow access based on the dynamic password. The system described herein may provide authentication rails that link to other apps that require passwords. The described systems may use those special cryptocurrency conversion authentication rails to provide authentication to other apps. The system may include an API for interacting the other apps authenticating users to access protected cryptocurrency conversion services provided by those other apps.

Cryptocurrency exchange platform

Apparatus and methods for continuous real-time authentication are provided. The apparatus and methods may include using a biometric sensor on an Internet-of-things ('IoT') device to measure a biometric attribute of a user. The measured biometric attribute may be transmitted to a server to compare to a stored biometric attribute and authenticate the user. The IoT device may continue to measure the biometric attribute of the user at a pre-determined interval. Each measurement may be used to authenticate the user. This continuous authentication process may take place without the user's conscious interaction with the IoT device. The apparatus and methods may include using the continuous authentication to process and approve a transaction the user requests.

Apparatus and methods for continuous real-time authentication

Apparatus and methods for content- and context-based biometric authentication are provided. The apparatus and methods may include using multiple biometric sensors and an authentication engine that decides which sensor(s) to use through a content- and/or context-based analysis. The apparatus and methods may include requesting authentication, analyzing the request to determine which sensor(s) is appropriate, prompting a user to use the sensor(s) and comparing the data received with data stored in a database to provide authentication.

Apparatus and methods for content-based biometric authentication

Apparatus and methods for automatically authenticating a user at a second website after authenticating the user at a first website is provided. The authentication system may include a validation engine running on a first website for validating user login credentials received at the first website. The authentication system may include a web beacon triggered by the second website in response to the validating that, when triggered, scans each website accessed by the user to determine if the website is a login page. The authentication system may also include a password generation application that determines if a URL accessed by the user is included in a permission ledger and, in response to a determination that the permission ledger includes the URL, executes steps to authenticate the password generation application and the user to the second website.

Multi-platform authentication

A mobile device configured for communication with a multi-channel, operating-system (OS)-agnostic application programming interface (API) is provided. The API is configured to provide generic access to an OS-agnostic-device API output. The API may be coupled to a library of user credentials, and a library of data. The data provides information for one or more responses to a request from the user. The device may include an OS-based application and a translator. The translator translates communications between the OS-based application and said OS-agnostic API. The translator may convert an OS-compliant message header to a generic message header and to convert a generic message header to an OS-compliant message header. The OS-agnostic API may receive a communication initiation from the device. The device may be associated with a first channel. The API may request and receive 1) user credentials associated with the device and 2) data, authenticate the user credentials, and pull the data.

Adaptive, multi-channel, embedded application programming interface (API)

Methods for onboarding a client user to a real-time video chat authentication system is provided. Methods may include, during an onboarding session, receiving the client user's credentials. The client user's credentials may be received at a client user graphical user interface (GUI). Methods may include receiving an opt-in from the client user for authentication via video capture. The opt-in may also be received at the client user GUI. Methods may include initiating a video capture session at a video conferencing platform. The video conferencing platform may be executed at a client device and an administrator device. The platform may enable the client user to communicate with an administrative user. Methods may include capturing a video capture of the client user at the video conferencing platform. Methods may include storing the video capture at a database.

Real-time, two-way video authentication system

A system for utilizing a mobile device as a computer authenticator is provided. The system may include a computing application executing on a computing apparatus. The system may include a secure backend server. The secure backend server may include a list of user identifiers, token serial numbers, device registration numbers and computing device identifiers. A pre-registration process may be used to embed a mobile token on a mobile device. A registration process may be used to pair the mobile device to the computing device. An in-use process may be used to authenticate the computing application using the mobile device.

Mobile device as a computer authenticator

One-time password ('OTP') generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. A biometric identifier may also be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

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New York, NY, United States of America

Napangsiri Wanpen