Bank of America Corporation

Mastercard International Incorporated

Adp, Inc.

Wells Fargo Bank, N.a.

Debashis Ghosh

Kurt Newman

David Joa

Sudeshna Banerjee

Randy Shuken

Timothy J Bendel

Thayer S Allison

Mark V Krein

Yanghong Shao

Michael James O'Hagan

Manash Bhattacharjee

Ramsay Cole

Arun Pinto

Robert Wohlers

Mary Elizabeth Lesbirel

Carrie Anne Hanson

Elizabeth Votaw

David Neil Joffe

William Anthony Nobili

Rustam N Wadia

Robert H Eshleman

Marc Douglas Halsted

Sreedevi Gummuluri

Justin X Howe

Matthew Shepherd

Nathaniel C Eutsler

Preston Wesley Ports, Iii

Frank B Turner

Matthew C Howell

Lavern Gilliard

Christopher James Trainor

William Michael Upchurch

Maria Chiarenza

Nathaniel D Mollison

Robert Caruso

Luiz Fernando Flor De Silva

Aaron Lai

Kerry Michelle Cantley

Robert M Mauldin

Mayur Chheda

Michael J Kelly

Kim Barbour

Elaine C Marino

Sean Michael Jones

Matthew Brian Cincera

Timothy O'Brien

Nicholas Halpern

Hemant A Kagade

Joy M Tarquin

Maryann Mangini

John Anthony Derrico

Shiba Madaan

Puneet Kumar

Ina Goldberg

Leveraging Alternative Data to Improve Resource Planning

“Where are we now? — Scaling Margins and Growth”

Ideas That Made History: 50 Inventors, 50 Moments Of Brilliance Volume I

Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Enhanced accessibility using wearable computing devices

A method includes receiving a protection request for an exchange and generating a metadata object including a plurality of outputting attributes for outputting. The method further includes generating a protected NFT including a link with the metadata object. The protected NFT is encapsulated within a control structure that restricts an output of the metadata object. The method further includes signing the protected NFT using at least one of a first private key or a second public key. The method further includes transmitting the signed protected NFT to the remote device and continuously monitoring the exchange. The method further includes detecting, by the control structure, at least one outputting attribute of the plurality of outputting attributes is satisfied and, in response to detecting the at least one outputting attribute is satisfied, outputting at least a portion of the output.

Tokenized structured exchange tracking

Systems, apparatuses, methods, and computer program products are disclosed for obtaining data. The data may be obtained from a variety of data sources. In order to determine the preferred data source for obtaining the data, data quality scores may be computed and assigned to each data source of interest for a given implementation. Each data quality score may take into account several criteria including the computing resources required to obtain the data, the financial cost of obtaining the data, the security risk of obtaining the data, etc. Data may be obtained from the preferred data source, presented to a user associated with the data for verification, and processed in order to provide a computer-implemented services to the user.

System and methods for determining preferred data sources using data quality scores

A system to track to model asset states and access by utilizing non-fungible tokens (NFTs). The system includes a data processing system including memory and one or more processors to receive a stating request for an asset, obtain, based on a plurality of control structures, a plurality of NFTs, each of the plurality of NFTs including a link with a metadata object including metadata of a state of the asset, encapsulate the plurality of NFTs within a container, receive, from the remote device, a state request for an asset state corresponding to a first NFT, the state request including a security token, obtain, from the metadata of the first NFT, one or more recorded security tokens, compare the security token to the one or more security tokens, and, in response to the security token matching the one or more security tokens, transmit the first NFT to the remote device.

Tokenized structured asset states

Disclosed are embodiments for pairing wearable electronic devices, such as smart rings. The paired smart rings are configured so as to provide access to certain resources requiring a higher level of security. In some embodiments, a credential is sharable between the two devices. Thus, a bank manager is able to transfer a credential providing access to bank resources to a second bank employee. The bank manager is able to configure is time and/or use limit on the transferred credential. Thus, for example, by transferring the credential, the bank manager is able to delete certain authority to the bank employee while also limiting that authority as appropriate.

Paired smart rings for accessing resources

A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

Methods and systems for leveraging transactions to dynamically authenticate a user

A method, system and apparatus for accessing an internal database that includes at least one payroll database, identifying an individual, a first location, a second location, a future date, and a time of day. Responsive to identifying the individual, the first location, the second location, the date, and the time of day, determining a predicted travel time for the individual between the first location and the second location at the time of day on the future date.

Commute distance optimization

A method, computer system, and computer program product for on-demand job messaging to predicted employees. A machine intelligence application compares data for an employee to a job change interest model. Responsive to comparing the data for the employee to the job change interest model, the machine intelligence application determines whether the employee is a predicted employee. The predicted employee enables improved targeting of job messaging by a job messaging application in a computer system.

Targeting delivery of recruiting messages

A method, computer system, and computer program product that aggregates sample data regarding a plurality of factors associated with income and geographic location; performs iterative analysis on the sample data using machine learning to construct a predictive model; populates, using the predictive model, a database with predicted values of average income for a selected set of predefined geographic regions; converts the predicted values of average income in the database into percentages of observed values of average income for geographic regions within the selected set over a specified time period to create indices of average income; and rank orders the regions within the selected set according to their indices of average income.

Method and system for predictive modeling of geographic income distribution

A method, apparatus, and computer program product for digitally presenting statistically-relevant business insights into a set of business metrics for an organization. A computer system identifies a set of organizational characteristics from human resources data of employees of a plurality of organizations, and applies a selected inclusion criteria to the set of organizational characteristics to identify a set of candidate organizations. The computer system identifies a set of benchmark organizations from the set of candidate organizations, and creates a fixed panel of the benchmark organizations. The computer system applies the fixed panel to the human resources data of employees of a plurality of organizations to create an analysis dataset that consists of human resources data of employees of the benchmark organizations. The computer system generates a business insight into the set of business metrics of the organization based on the analysis dataset, and digitally presents the business insight.

Business insight generation system

A computer-based method for associating ownership of anonymous payment cards uses a computer device including a processor in communication with a transaction database. The method includes identifying a target account number for a payment card from the transaction database, identifying a set of transaction times associated with the target account number from the transaction database, and comparing the target account number to each candidate account number of a set of candidate account numbers from the transaction database. Comparing the target account number includes identifying a first candidate set of transaction times associated with a first candidate account number of the set of candidate account numbers, comparing the target set of transaction times to the first candidate set of transaction times, and identifying the first candidate account number as a match candidate if the target set of transaction times and first candidate set of transaction times do not include overlapping transactions.

System and method for linking encrypted records

Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (MA) computing device in communication with a user computing device. The MA computing device defines a plurality of sectors of a geographic region and receiving transaction data including at least one online transaction associated with a merchant. The MA computing device generates a transaction location identifier for each of online transaction to indicate a location associated with a user device operated by a cardholder associated with the online transaction and links the online transaction to one sector based on the transaction location identifier. The MA computing device generates aggregated merchant analytics for each sector based on the transaction data associated with the online transactions located in the sector and displays the aggregated merchant analytics on the user computing device for analysis.

Generating aggregated merchant analytics using origination location of online transactions

Growing community of inventors

Charlotte, NC, United States of America

Debashis Ghosh