Bank of America Corporation

Olga Kocharyan

Benjamin Daniel Hardman

Anna Kristen Pingel Berry

Shweta Ambulkar

Angela Ianni

Luqman Sharief

Michael Wm Whitaker

George Albero

Ravi Joshi

Maharaj Mukherjee

Marci Landy

Michael William Whitaker

Kathleen Rae Hablutzel

Harry Kirby

Anthony D Pedretti

Julius D Jeffreys

Robert A Levandowski

Luqman Abdul Hakeem Sharief

Jinna Zevulun Kim

Jo-Ann Taylor

Edward Lee Traywick

James J Siekman

Cody Dean Searl

Dustin Paul Stocks

Kyle A Mayers

Sanjay Arjun Lohar

Karen E Davis

Deborah Mayers

Keaton Drake

Lisa Snow Pugh

Stephen C Brown

Samantha Ilse Quales

Anna Xu

Anna Maria Mirarchi

Elizabeth Rhodes Kral

Anna Berry

John Scott Alston

Jeffrey Felipe

Karen Macqueen

Verification of peer-to-peer network transmission occurs implementing AI to determine a match between the purpose/intent of the peer-to-peer network transmission as defined by the sending entity/peer and the purpose/intent of the peer-to-peer network transmission as defined by the recipient entity/peer. The sending peer initiates communication of a peer-to-peer network transmission, which identifies the recipient peer and purpose of the transmission. The peer-to-peer network transmission is captured and held in a transmission pending queue. A push notification is communicated to the recipient entity/peer identified in the transmission, which requests input of their perceived purpose/intent of the transmission. Once the recipient entity/peer identified in the transmission responds with their purpose of the transmission, an AI model trained to determined matches between inputted purposes/intents is executed. Once the AI model determines a purpose/intent match, the transmission is released for the transmission pending queue, so that further communication and/or processing of the transmission occurs.

Peer-to-peer network transmission verification system

Systems, computer program products, and methods are described herein for partial pool credentialing and authentication. The present invention is configured to receive a user request to access an account within a virtual environment using minimal authentication input from the user. Next, the system determines a set of contacts of the account comprising other accounts within the virtual environment that have a relationship with the user's account. The system may then transmit a request to the contacts for partial authentication credentials associated with the first account. The system then receives submitted partial authentication credentials from the contacts, determines that the submitted partial authentication credentials match the partial authentication credentials associated with the user's account, and authenticates the user to access the first account within the virtual environment. The authentication pool of the user and contacts can be monitored over time for improved security.

Partial pool credentialing authentication system

Systems, computer program products, and methods are described herein for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic network. The present disclosure is configured to identify a pre-determined sequence; configure a multi-component authentication graphical user interface; determine whether a first authentication credential is valid when it matches the first valid authentication credential, the first input location matches the first authenticated input location, and the first authentication credential is received in the first pre-determined indicator period; configure the multi-component authentication graphical user interface with at least one second indicator; determine whether at least one second authentication credential is valid when the at least one second authentication credential matches the at least one second valid authentication credential, the second input location matches the at least one second authenticated input location, and the at least one second authentication credential is received in the second pre-determined indicator period.

Systems, methods, and apparatuses for implementing a multi-component authentication using pre-determined sequences and indicators in an electronic environment

A method includes receiving hashes of a static password and a lot-one authentication string from a user device of a user. After an initial validation, a first authentication matrix (AM) is generated. A block selection process is performed to select spurious and authentication blocks. While performing the block selection process, the first AM is replaced by a second AM, such that a first authentication block is selected from the first AM based on a first lot-two authentication string and a second authentication block is selected from the second AM based on a second lot-two authentication string. A dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password stored in a user profile, the user is authenticated.

System and method for user authentication using a spinning authentication matrix

A method includes receiving a hash of a static password and a hash of a lot-one authentication string from a user device of a user. After an initial validation, an authentication matrix is generated. A block selection process is performed to select spurious and authentication blocks from the authentication matrix. The authentication blocks are selected based on a lot-two authentication string associated with the lot-one authentication string. In response to determining that the spurious and authentication blocks are selected according to a block selection sequence stored in a user profile of the user, a dynamic password is generated by combining the static password, the lot-one authentication string, and the authentication blocks. A hash of the dynamic password is generated. In response to determining that the hash of the dynamic password matches a hash of a dynamic password that is stored in the user profile, the user is authenticated.

System and method for user authentication using a static authentication matrix

Systems and methods for automating the generation of a strong, secure, and memorable password using gamification. Systems may include a computer configured to receive words and phrases from a user using a gamification tool, use a machine learning model to eliminate words and phrases found when searching open-source intelligence (OSINT) available about the user, use the machine learning model to identify portions of the non-eliminated units of information, and use the machine learning model to combine the portions into memorable password options. Systems may include the computer configure to use the machine learning model to eliminate any of the password options found when searching OSINT, present a subset of the non-eliminated password options to the user, receive the selected password from the user, use the machine learning model to generate an obfuscated reminder for the selected password, and provide the obfuscated reminder to the user.

Memorable secure, and strong password generator enhanced with gamification and machine learning

Multifactor user authentication leveraging secure tokenization, such as a Non-Fungible Token (NFT) and multiple passkeys (e.g., bifurcated passkey). One or more authentication NFTs are generated that use some form of a user's authentication credentials as the seed input for the NFT encryption/hash algorithm(s). In addition, passkeys are distributed to and/or made accessible to multiple passkey holders. In response to an event that requests multifactor authentication of the user, a plurality passkeys are requested, received and verified. Each of the passkeys being requested and received from, or at the directive of, one of the multiple passkey holders. In response to verifying the plurality of passkeys, at least one of the authentication NFTs is accessed and the cryptographic hash algorithm(s) is implemented to decrypt the authentication NFT(s) and identify the one or more user credentials. In response, the user is authenticated based at least on the user credentials that formed the basis for the authentication NFT(s).

Multifactor authentication via bifurcated passcode and non-fungible token

Systems and methods for automating generation of a strong and memorable password. Systems may include a computer configured to receive units of information from the user, use a machine learning model to eliminate units of information found when searching open-source intelligence (OSINT) available about the user, use the machine learning model to identify portions of the non-eliminated units of information, and use the machine learning model to combine the portions into memorable password options. Systems may include the computer configure to use the machine learning model to eliminate any of the password options found when searching OSINT, present a subset of the non-eliminated password options to the user, receive the selected password from the user, use the machine learning model to generate an obfuscated reminder for the selected password, and provide the obfuscated reminder to the user.

Memorable and strong password generator automated with a machine learning model

A device for performing a secured operation is disclosed. The device is embedded with a predefined data item and verification information. The verification information is uniquely associated with the user of the device. The verification information is linked to the identity of the user. The verification information is configured to be extracted in conjunction with the secured operation being performed. The secured operation is performed in response to the verification information being verified. A system and method for performing the secured operation are also disclosed.

System, device, and method for performing secured operations

Systems, and methods are described herein for integrated analysis of foreground and background communication data. The present disclosure is configured to collect foreground communication data from one or more data sources; collect background communication data from one or more data sources; pre-process the collected data to clean, normalize, and transform it into a uniform format; integrate the pre-processed data into a cohesive dataset via data alignment based on common identifiers such as timestamps or session IDs; analyze the integrated dataset using an artificial intelligence (AI) engine employing machine learning algorithms to identify patterns and generate responses based on the cohesive dataset; generate an initial AI response based on the analysis; present the AI-generated response and alternative solutions to a user through an interactive user interface; capture user feedback on the presented responses and alternative solutions; and retrain the AI engine based on the captured user feedback to improve future decision-making.

Systems and methods for integrated analysis of foreground and background communication data

Systems, computer program products, and methods are described herein for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network. The present disclosure is configured to identify a pre-determined sequence associated with a user account; identify a plurality of valid authentication credentials associated with the user account; generate a multi-component authentication graphical user interface, wherein the multi-component authentication graphical user interface comprises a plurality of input locations; receive a first authentication credential at a first unverified location of the plurality of input locations; determine whether the first authentication credential is valid; receive a second authentication credential at a second unverified location of the plurality of input locations; determine whether the second authentication credential is valid; and allow, in an instance where the first authentication credential is valid and the second authentication credential is valid, access to the user account.

Systems, methods, and apparatuses for implementing a single point multi-component authentication using a pre-determined sequence in an electronic network

Aspects of the disclosure relate to adjustable control thresholds. A computing platform may monitor employee activity within an enterprise organization. The computing platform may generate, for each employee of the plurality of employees, employee control thresholds. The computing platform may generate, based on an indication from an employee computing device, modified employee control thresholds associated with the employee. The computing platform may generate, based on the indication, test data including a subset of the employee activity associated with the employee. The computing platform may analyze, within a sandbox environment, the test data, and may determine, based on the analysis, whether to: transmit a notification to an enterprise computing device indicating the test data complies with the employee control thresholds associated with the employee; or transmit a notification to the enterprise computing device indicating the test data does not comply with the employee control thresholds associated with the employee.

Performing retroactive threshold reduction control review using artificial intelligence

Adaptation/alteration of the digital file referenced to an underlying Non-Fungible Token (NFT). Adaptation/alteration of the digital file occurs via NFT metadata-defined adaptation rules and criteria, i.e., predefined conditions or events that trigger the occurrence of digital file adaptation. The adapted digital file may be presented to users to indicate a change in a state associated with a specific type of NFT. For example, the NFT may be an authentication NFT used to verify the identity of a user/users and the digital file may be presented within computing networks or applications as a means of conveying user authenticity to other users within the computing network or application. The predefined conditions are security events that have a positive/negative impact on the authenticity of the user or group of users. Occurrence of one or more of the predefined security events triggers adaptation and presentation of the adapted digital file which provides an indication of an increase/decrease in the level of authenticity associated with the user/users.

Non-fungible token with adaptable digital files

Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.

System for implementing multifactor authentication based on secure tokenization

Tracking digital resources used in resource exchange events conducted in virtual reality computing environments. Digital resources used in resource exchange events conducted in virtual reality computing environments are tagged with data that at least identifies the location of the resource exchange event in terms of virtual reality computing environment and/or sub-environments. In response, machine-learning algorithm(s) are implemented that analyze the tags to determine resource exchange event movement patterns for specific digital resources. The resource exchange event movement patterns may include digital resource movement across multiple different virtual computing environments.

Growing community of inventors

Matthews, NC, United States of America

Olga Kocharyan