Bank of America Corporation

Steven Nathan Greene

Dinesh Kumar Agrawal

Petar Evan Puskarich

Srinath S Chakravarty

Kenneth L Boyd

Aravind Shankaragouda Singtalur

Stephen Richard Belton

Kerry M Vaughan

Elina Shkodnik

Siten Sanghvi

Naga Vamsi Krishna Akkapeddi

Monika Kapur

Gilbert M Gatchalian

Vijaya L Vemireddy

James J Siekman

Richard Scot

Sanjay Arjun Lohar

Benjamin F Tweel

Erik Dahl

Prabhat Ranjan

Jeff Lojko

Manmohan V Datla-Viswasai

Manmohan V Datla

Tonya Kyra Miller

A method for transferring goods from a digital+bitcoin (d+b) stored value transaction instrument-supporting vendor to a user device, or a device user, such as a d+b stored value transaction instrument is provided. The device may be registered with a cryptocurrency provider and a value allocation. The method may include receiving a user request configured for a cryptocurrency-based transaction; transmitting a consent to transact the cryptocurrency-based transaction and, in response to the transmitting, receiving, from the user device, a Quick Response (QR) code. The code specifies, at least: a) an amount of cryptocurrency; and b) a product or a service to be exchanged for the amount of cryptocurrency. The method may also receive a biometric characteristic that confirms the transaction. The method may then receive the amount of cryptocurrency via the d+b stored value transaction instrument, and transmit a confirmation of receipt of the cryptocurrency.

Stored value payment instrument, having payment card characteristics, for virtual cash transactions

Arrangements for detecting unauthorized activity based on input method analysis and monitoring are provided. In some aspects, identity information associated with a user may be received and be stored. An input may be received from a computing device of the user. An input pattern of the received input may be determined. Using a machine learning model, the input pattern of the received input may be compared to input patterns of humans and input patterns of machines. Based on the comparison, it may be determined whether the user is a human user or a non-human user. Responsive to determining that the user is a non-human user, a request may be transmitted to the user to provide increased authentication credentials. Responsive to determining that the user is a human user, an identity of the user may be verified by comparing the input pattern of the received input to the stored identity information.

Unauthorized activity detection based on input analysis and monitoring

Various aspects of the disclosure relate to distributed ledger computing systems and customizing tokens for securing and facilitating transactions recorded in the distributed ledger. A token customization module may be used to build customized controls into a token for use in a blockchain system. The token customization module may personalize or otherwise customize rules based on requirements of a user's particular use of the distributed ledger system. The customized rules may be used to trigger alerting behavior, prevent and/or automate particular transactions, provide geofencing and/or regional restrictions for transactions of a specified type, among others. Once built, the rules may be incorporated into the tokens and immutably memorialized in the distributed ledger. The customized tokens may be associated with or incorporate a smart contract to layer additional functionality.

Customized token rules generation system

Systems, computer program products, and methods are described herein for preventing synthetic misappropriation events over an electronic network. The present disclosure is configured to identify a user communication associated with a communication channel; identify a user account associated with the user communication; collect user account data associated with the user account; receive at least one user communication data via the communication channel; transmit the at least one user communication data to at least one internal communication component; receive at least one internal communication data from the internal communication component; generate a virtual avatar based on at least one of user account data, the at least one user communication data, or the at least one internal communication data; and transmit a virtual avatar interface component based on the virtual avatar to a user device associated with the communication channel, wherein the virtual avatar comprises the at least one internal communication data.

Systems and methods for preventing synthetic misappropriation events over an electronic network

A system prevents incorrect deployment of computer code in remote enterprise servers. The system includes a source code repository for housing computer code received from developers and housing software that maintains the code and develops version control information (VCI) for same. The system includes a continuous integration/continuous deployment (CICD) pipeline orchestrator and arranges deployment of the computer code by determining servers to which the code will be deployed. A metatag affixing engine and database creates metatag information corresponding to the computer code and stores the metatag information. The metatag information qualifies the code for deployment at the servers, as follows. A code management system schedules deployment. Prior to deployment, each of the servers reads the metatag implemented on the code and compares the metatag on the code to determine whether the metatag matches the metatag stored at the database. When the metatags matches at the server, the computer code is deployed.

Enterprise server image (ESI) meta tagging

A system is provided for an artificial intelligence-based engine for generating recommendations for resource allocation. In particular, the system may comprise an artificial intelligence module configured to access one or more data sources containing resource data associated with one or more users. Based on the resource data, the system may identify a group of analogous users with respect to a specific user. The system may then generate one or more recommendations for a resource allocation associated with the user. The one or more recommendations may then be presented on a graphical interface of a user device associated with the user. In this way, the system may provide an AI-driven method for efficient allocation of resources.

System for artificial intelligence-based engine for generating recommendations for resource allocation

Growing community of inventors

Scarsdale, NY, United States of America

Steven Nathan Greene