US 12,292,980 B2
System and method for performing dynamic exposure analysis based on quantum simulations
Ramya Sivaramakrishnan, Chennai (IN); Bellamkonda Sunil Kumar, Telangana (IN); and Vijetha Shetty, Mumbai (IN)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Jun. 17, 2021, as Appl. No. 17/350,940.
Prior Publication US 2022/0405396 A1, Dec. 22, 2022
Int. Cl. G06F 21/00 (2013.01); G06F 16/215 (2019.01); G06F 21/57 (2013.01); G06N 10/00 (2022.01); G06F 7/58 (2006.01); G06N 20/00 (2019.01)
CPC G06F 21/577 (2013.01) [G06F 16/215 (2019.01); G06N 10/00 (2019.01); G06F 7/58 (2013.01); G06F 2221/034 (2013.01); G06N 20/00 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A computer system for performing dynamic exposure analysis based on quantum simulations, comprising:
a classical computer apparatus comprising:
a processor;
a memory; and
an exposure analysis application that is stored in the memory and executable by the processor;
a quantum optimizer in communication with the classical computer apparatus, the quantum optimizer comprising:
a quantum processor; and
a quantum memory;
wherein the exposure analysis application is configured for:
gathering real-time data associated with at least one user from one or more data sources, wherein the real-time data comprises customer personal data and the one or more data sources comprises historical exposure data and resource applications;
processing the real-time data gathered from the one or more data sources, via an artificial intelligence engine, to predict a change to an exposure rating associated with the at least one user based on the customer personal data;
in response to determining the change, converting the real-time data and historical exposure data into at least one matrix, via a matrix builder, wherein the matrix comprises the customer personal data and resource applications;
converting the at least one matrix to at least one Qubit sequence;
transmitting the at least one Qubit sequence to a quantum optimizer;
wherein the quantum optimizer is configured for:
in response to receiving the at least one Qubit sequence from the exposure analysis application, generating at least one random number based on one or more parameters stored in a configuration repository;
computing the at least one Qubit sequence and the at least one random number to generate a real-time exposure rating based on performing superpositioning of the at least one random number onto the at least one Qubit sequence, wherein the real-time exposure rating comprises real-time decisioning;
transforming a user interface to display the real-time exposure rating;
repeating process of superpositioning ‘n’ times to improve accuracy of the real-time exposure rating;
transmitting the real-time exposure rating to the exposure analysis application; and
in response to receiving the real-time exposure rating from the quantum optimizer the exposure analysis application is configured for approving disbursement of resources based on determining that the real-time exposure rating is above a threshold value.