Bank of America Corporation

Patrick Burgess

Taylor Farris

Trish Gillis

Napangsiri Wanpen

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

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

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.

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Stockholm, Sweden

Patrick Burgess