Bank of America Corporation

Sandeep Kumar Chauhan

Udaya Kumar Raju Ratnakaram

Puneetha Polasa

Saurabh Arora

Yash Sharma

Shailendra Singh

Bhagya Lakshmi Sudha Lavanya Mallidi

Pinak Chakraborty

Nandini Rathaur

Sneha Padiyar

Sheetal Bhatia

Ravikiran Subramanya Rao

Ravi Kumar Kesani

Sasidhar Purushothaman

Vidhu Beohar

Sanchit Taggar

Durgesh Singh Yadav

Jagadish Reddy

Sarat Kumar Magatapalli

Gaurav Bansal

Shekhar Singh Mehra

Santosh Kumar Miryala

Sudarshan Veeramreddy

Vibhu Srivastava

Radha Janakiraman

Suman Matury

Anil Gajula

Rama Rao Gaddam

Geetika Lal

Ramarao Gaddam

Joseph Benjamin Castinado

Govinda Rajulu Nelluri

Hari Gopalkrishnan

Chinmay S Barhale

Deviprasad Tatti

Aditya Sharma

Rajesh Balireddy

Srinivas Tatikonda

Anuranjan Kishore

Ankit Agarwal

Amol Patil

Shailender Dabodiya

Vijayakumar Sounderadas

Madhuri Aniruddha Deshpande

Moses Salagala

Amit Kumar Bidhanya

Swadeep Mekala

Amit Kumar Singhal

Jisoo Lee

Sandeep Verma

Lee Ann Proud

Charles Russell Kendall

Maneesh Kumar Sethia

Sean Michael Gutman

Vasuki Anand

Srinivasa Rao Dakshinyam

Anant Bondalapati Sharma

Hope Barus

Stephen A Corrado

Phillip Wade Mork

Vinod Maghnani

Sriram Balasubramanian

Vinodh Sagayaraj Antoine

Sarabjeet Singh Kochar

Kritika Rai

Ana Morales

Sandra Ogden

Amardeep Singh Talwar

Mohit Dhingra

Prashanthi Jambula

Koteswara Rao Venkata Magham

Tushar Agarwal

Pushpa Neelakantan

Shravan Kumar Kondoju

Jhalak Khurana

Koteswara Rao Ventaka Magham

Eswara Prasad Ramoju

Barath Cuddalore Sridhar

Eshita Gupta

Pavan Kumar Gauji

Aspects of the disclosure relate to a hybrid metaverse environment. A computing platform may synchronize, using edge nodes and with a physical repository server, a soft document repository. The computing platform may receive, via a metaverse application interface, an event processing request. The computing platform may identify, based on the event processing request and using a machine learning model, documents needed to execute the event processing request. The computing platform may update a request queue to identify the event processing request and the documents. The computing platform may access, using an edge node and via the soft document repository, the physical repository server to obtain document images corresponding to the identified documents, and may update a response queue to include the obtained document images. The computing platform may send, to an enterprise user device, a haptic alert indicating that the event processing request is ready for processing.

Hybrid metaverse using edge nodes to support a soft repository for event processing

Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.

System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devices

Apparatus and methods for a li-fi payment network are provided. A customer's device may communicate, directly or through intermediate devices and computer systems, over a li-fi network with a point-of-sale terminal. A bill may be transmitted to the customer's device over the li-fi network. The customer may select an option to pay the bill. The selection, along with information to authorize and process the payment, may be transmitted over the li-fi network to the POS terminal. The POS terminal may process the payment and generate a receipt. The receipt may be transmitted to the customer's device over the li-fi network.

Li-fi payment network

Systems, computer program products, and methods are described herein for improving computer energy consumption and computer processing by implementing a pluggable carbon emission gateway. The present disclosure is configured to identify, by a pluggable emission gateway, at least one application programming interface request; generate at least one transaction per second load attribute; identify at least one application consumption; determine at least one emission; identify an emission threshold for the at least one emission; compare the at least one emission to the emission threshold; apply, in an instance where the at least one emission associated with the at least one API request exceeds the emission threshold, at least one API parameter adjustment for the API request; and generate an updated application by applying the at least one API parameter adjustment to at least one of the at least one application or the at least one API request.

Systems, methods, and apparatuses for improving computer energy consumption and computer processing by implementing a pluggable carbon emission gateway

Systems, computer program products, and methods are described herein for dynamic data encryption in an active network session. The present invention is configured to initiate an active network session with a user input device; electronically receive, from the user input device, a resource transfer request from a user, wherein the resource transfer request comprises at least one or more resource transfer parameters; trigger a dynamic data encryption (DDE) engine in response to receiving the resource transfer request; generate, using the DDE engine, a digital identifier for the resource transfer request using the one or more resource transfer parameters; execute the resource transfer request using the digital identifier; transmit control signals configured to cause the user input device to display a notification indicating that the resource transfer request has been executed; and terminate the active network session.

System for dynamic data encryption in an active network session

Aspects of the disclosure relate to identification of confidential data, in a message, and encryption of the confidential data. A computing platform may determine, based on a knowledge base, confidential data in a first message transmitted over one or more computing networks. The computing platform may encrypt the confidential data in the message. The computing platform may generate a second message based on encrypted confidential data. Further, the computing platform may update a header, corresponding to the second message, to indicate an encryption technique used for the encrypted confidential data. The computing platform may further encrypt the header of the second message, and transmit the second message.

Identifying and securing unencrypted data in a production environment

Embodiments of the present invention provide an intuitive platform for non-contact instructions regarding resource allocation. In this way, a user may utilize one or more specific gestures which are captured, analyzed, and responded to by the system of the invention in order to initiate or complete one or more resource activities such as a resource transfer, resource transfer split, or other resource action.

System and methods for detecting and implementing resource allocation in an electronic network based on non-contact instructions

A method for managing metaverse instances includes registering a physical control level for a user. The physical control level includes information about physical locations and data items that the user is allowed to access within an entity. A digital identity is generated for the user. The digital identity includes a virtual control level for an avatar of the user and allows the avatar to access a metaverse instance of a metaverse of the entity. The virtual control level is synchronized with the physical control level. Computing resources to be allocated to the metaverse instance are determined. A first instruction is sent to a metaverse server to open the metaverse instance. A second instruction is sent to the metaverse server to allocate the computing resources to the metaverse instance. A third instruction is sent to the metaverse server to generate the avatar. The avatar is allowed access to the metaverse instance.

System and method for managing metaverse instances

An apparatus for using a validated card in a virtual environment comprises a processor associated with a server. The processor is configured to receive a request to conduct an interaction between a first avatar and an entity in a virtual environment. The processor is further configured to receive card information and device information from an unknown user device. The processor is further configured to verify that the unknown user device is a first user device. The processor is further configured to receive virtual session information that is associated with a virtual environment session. The processor is further configured to determine if the request to conduct the interaction occurred in the same virtual environment session as the reception of the card information. The processor is further configured to conduct the interaction between the first avatar and the entity with the received card information.

System and method for using a validated card in a virtual environment

Aspects of the disclosure relate to isolating and reinstating nodes in a distributed ledger using proof of innocence. In some embodiments, a first plug-in embedded with the blockchain network may monitor consumer-initiated transactions submitted to an enterprise organization node to determine the legitimacy of each consumer-initiated transaction. The first plug-in may identify consumer-initiated transactions associated with malicious activity and may flag the consumer node for further analysis. A second plug-in may identify and analyze the consumer-initiated transactions associated with the consumer node to determine a proof of innocence value associated with the consumer node. The first plug-in may isolate the consumer node from the distributed ledger if the proof of innocence value exceeds a proof of innocence threshold. Alternatively, the first plug-in may permit the consumer node to remain within the distributed ledger if the proof of innocence value falls below the proof of innocence threshold.

Isolating and reinstating nodes in a distributed ledger using proof of innocence

A system is provided for generation of substitutable configuration of secure distributed register tokens. In particular, the system may generate, on a distributed register, a secure token with a built-in source code function for triggering a substitution of the secure token with one or more substitute tokens upon the occurrence of a specific condition. The function may pull one or more values associated with the secure token (e.g., from an oracle) and generate the one or more substitute tokens based on the one or more values. Once the substitute tokens are generated, the substitute tokens may be used to replace the secure token on the distributed register.

System for generation of substitutable configurations of secure electronic distributed register tokens

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

A computing platform may train, using historical ledger information and historical node confidence information, an adaptive AI engine to output, for a given input node, a particular distributed ledger to which the given input node should be added. The computing platform may receive a request to add a first node to a ledger. The computing platform may input first node information into the adaptive AI engine, which may cause the adaptive AI engine to output a node addition score indicating a first distributed ledger corresponding to an information type of the request. Based on identifying that the node addition score meets or exceeds a node addition threshold, the computing platform may cause the first node to be added to the first distributed ledger. The computing platform may update, using a dynamic feedback loop and based on the node addition score, the adaptive AI engine.

Adaptive artificial intelligence (AI) engine for secure orchestration of nodes in a distributed ledger hierarchy

Arrangements for smart tracking and queue management are provided. In some aspects, in response to detecting a user at an entity location, image data may be captured of the user. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. In some examples, a user or user device may be connected to an entity computing device associated with a shopping cart or other device for capturing items for purchase. The user may gather items for purchase and purchase item data may be transmitted for analysis. In some examples, a request to checkout may be received and, in response, real-time queue data may be requested. The real-time queue data may be analyzed using a machine learning model to determine an optimal queue for the user. A notification identifying the queue may be transmitted to the entity computing device.

Multi-computer system for optimized queue management based on facial recognition

Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.

Verifying external accounts in real-time using dynamic smart contracts

Growing community of inventors

Hyderabad Telangana, India

Sandeep Kumar Chauhan