Bank of America Corporation

Udaya Kumar Raju Ratnakaram

Sandeep Kumar Chauhan

Puneetha Polasa

Bhagya Lakshmi Sudha Lavanya Mallidi

Amit Mishra

Krithika Viswanathan

Nagasubramanya Lakshminarayana

Punit Srivastava

Jian James Chen

Sarvari Tadimalla

Mallidi Bhagya Lakshmi Sudha Lavanya

Pinak Chakraborty

Nandini Rathaur

Naveen Kumar Reddy Murthi

Vibhu Srivastava

Geeta Bora

Srilaxmi Sreepalli

Sriram Balasubramanian

Mohammed Zubair Mohammed Ajmal

Prashanthi Jambula

Praveena Maddamsetty

Maruthi Z Shanmugam

Rajesh Balireddy

Geetika Lal

Niroop Reddy Patimeedi

Eswara Prasad Ramoju

Javeed Syed

Jian Jim Chen

Bibhu Ranjan Sahoo

Arnold Teen Absalom

Kiran Sudhir Raja

Shravan Kumar Kondoju

Rules and triggers for initiating and generating transactions can be dynamically and automatically created by a computing device based on learning behaviors for a knowledgebase. This knowledgebase may be created by storing historical transaction information for devices within a particular network such as an Internet of Things (IoT) network where devices are interconnected and capable of processing data and instructions. Such a network may be associated with a user or location or organization, and may conform to a specific communication protocol.

Intelligent coordination of transaction processing in a multi-device network

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

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

Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and authentication data associated with the second payment device received. A hash of the authentication data may be generated and compared to the stored hash of the encrypted authentication data. If the hashes match, the transaction may be processed. If there is not a match, the transaction may be denied.

Hosting account linking services to enable dynamic authentication and device selection

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

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

Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).

Multicomputer system providing voice enabled event processing

Intelligent systems for detecting SIM swap in mobile devices, wherein if a user requests access to an account via a mobile device, a mobile device application (MDA) sends the request along with mobile device ID and IMSI. If all information received from the MDA matches information stored in memory, the user can access the account. If the mobile device ID or IMSI received from the MDA do not match the mobile device ID or IMSI stored in memory, a social intelligence module compares a mobile device user profile with a profile for a user associated with the account ID. If the mobile device user profile matches or is within a confidence level of the profile for the user associated with the account ID, the user can access the account. Otherwise, additional methods to validate the user may be implemented to prevent possible fraudsters from accessing the account.

Intelligent method for SIM-swap fraud detection and prevention

Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.

Light-weight and secure payment processing using a low-power wide-area networking protocol

Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

Pre-staged transactions with ultra-wideband networking and haptic feedback

Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.

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

A solution implementation system includes a solution registry with a corrective action for each of a plurality of predefined root causes of exception errors. The system receives communication data transmitted through a distributed network comprising a plurality of servers. An exception error is detected corresponding to a failed transmission of the communication data between communicatively coupled servers of the distributed network. A first root cause of the exception error is determined. Properties of the distributed network at the time of the detected exception error are determined. Using the solution registry, a first corrective action is determined for the first root cause that is associated with the determined properties of the distributed network at the time of the detected exception error. The first corrective action is automatically implemented to resolve the exception error.

Self-resolution of exception errors in a distributed network

Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and a handshake protocol initiated between a vendor device and a user device. Authentication data may be provided and a hash generated. The hashes may be compared and, if a match occurs, the transaction may be processed.

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Hyderabad Telangana, India

Udaya Kumar Raju Ratnakaram