Bank of America Corporation

Anand Ahuja

Dean Lyons Henry

Alfred James Reed

Ayeesha Sachedina

Joe Nathan Lamar, Iii

Daniel Paul Doran

The invention provides a gateway system for sending and coordinating digital requests for resource transfers amongst various computing systems. Typically, the various computing systems are configured to operate on different hardware and/or software platforms. Accordingly, the gateway system communicates with the various computing systems via an API, which provides an efficient way to coordinate resource transfers amongst the various computing systems while ensuring present and future compatibility with the various platforms during the resource transfer process.

System for sending digital requests for resource transfers

The centralized resource routing and distribution improves upon the routing of interactions and distribution of resources for interactions between users and operator entities. A centralized gateway is provided through which interactions may be routed and resources distributed using one or more substitute interfaces. The one or more substitute interfaces may mimic interfaces of the operator, or otherwise provide a universal interface for use of multiple resource pools for the interactions. Use of the gateway and substitute interfaces increases processing capacity, reduces memory requirements, and/or improves processing time for both the operator entities and the organization entities since it provides for centralized routing and distribution for multiple operator entities without the operator entities having to store and/or process user information or the interactions associated therewith.

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Hoboken, NJ, United States of America

Anand Ahuja