Bank of America Corporation

John Zemaitis

Kerry Michelle Cantley

Veronica C Smith

Sherri Sullivan

Matthew Joseph Wallace

James Wayland Pierce, Jr

David Joseph Koval

Kim Leah Bunn

Kristy Lynn Monk

Brett C Carter

Keith Dion Owes

Michael E Toth

Apeksh M Dave

Kenneth B Norris

Embodiments of the present invention provide a system for managing and/or operating a nodal grid network in which resources are received, dispensed, and transferred throughout the nodal grid network. The nodal network may comprise automated teller machines, merchant stores, delivery vehicles, processing centers, and the like. The system scans resource notes for important and sometimes unique information as the resource notes are received and/or dispensed at each of the nodes. This information about the resource notes and the nodes of the network can be recorded and stored in real-time, such that the system can make real-time decisions regarding how to address any necessary adjustments of resource quantities at each node. Furthermore, historical nodal data can be analyzed to identify trends at each node, and this historical data can be extrapolated to provide insight into an expected health of each node at future points in time.

System for providing on-demand resource delivery to resource dispensers

According to certain embodiments of the disclosure, a system receives a request from a user device to conduct an activity with an enterprise and determines an authentication level associated with the activity. The system receives information associated with the user from a plurality of disparate channels and calculates a risk score associated with the user based on the received information associated with the user. The system generates a token based on the authentication level and risk score and communicates the token to the user device.

Knowledge based verification of the identity of a user

Growing community of inventors

Charlotte, NC, United States of America

John Zemaitis