The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Sep. 01, 2026

Filed:

Jan. 12, 2024
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Gowri Sundar Suriyanarayanan, Tamil Nadu, IN;

Maneesh Sethia, Telangana, IN;

Abhijit Behera, Telangana, IN;

Shailendra Singh, Maharashtra, IN;

Aiswary R, Tamilnadu, IN;

Vignesh A S, Tamilnadu, IN;

Assignee:

Bank of America Corporation, Charlotte, NC (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/34 (2012.01); H04L 9/40 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/4016 (2013.01); G06Q 20/352 (2013.01);
Abstract

Methods, apparatus, and systems for identifying and suspending attempted illegitimate transactions. The methods may include attempting a transaction between a contactless transmitter included in a transaction device and a contactless receiver not included in the transaction device. In response to attempting the transaction, the methods may include generating a real-time synthetic data model at a generator module. The methods may include transmitting the real-time synthetic data model to a discriminator module. The methods may include comparing the real-time synthetic data model to identifiers of authorized contactless receivers stored in a knowledge graph. The methods may include executing a prediction whether the attempted transaction will be a legitimate transaction based on the comparison. The methods may include executing the transaction in response to a prediction that the transaction will be a legitimate transaction and terminating the transaction, in response to a prediction that the transaction will be an illegitimate transaction.


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