Bank of America Corporation

Kamesh R Gottumukkala

Siten Sanghvi

William August Stahlhut

Linda Haddad

Stephen Thomas Shannon

Morgan Stewart Allen

Gilbert M Gatchalian

Christopher Lamont Rice

Denise D Marcus

Jeff Lojko

Aspects of the disclosure relate to an electronic document sharing and signing (DSS) ecosystem for electronic document authentication and authorization. The DSS ecosystem may preferably provide a communication platform between a first user information database associated with a first entity and a second user information database associated with a second entity. The DSS ecosystem may include a signer information database. The signer information database may be coupled to the first user information database and the second user information database. The signer information database may be configured to be readable by the first entity and writeable to by the first entity, and readable by the second entity but not writeable to by the second entity. The signer database may include a list of signatory names associated with the first entity, and a plurality of electronically signed documents. Each of the documents may include an electronic signature applied by a signatory whose name appears on the signatory list. The list of electronically signed documents may be accessible by the second entity.

Shared ecosystem for electronic document signing and sharing (DSS)

This application describes apparatus and methods for using edge-computing to control resource distribution among access channels, such as a retail banking center. Edge-nodes may be configured to move a product display in response to detected or expected customer traffic flow in or near a retail location. Edge-nodes may be configured to redirect resources provided by a cloud computing environment to or away from the retail location. Based on customer traffic flow, edge-nodes may direct customers/resources to a retail location and ensure the retail location provides a predetermined quality of service.

Edge-node controlled resource distribution

Aspects of the disclosure relate to notification, and assistance systems that may utilize sensor-based authentication techniques. A computing platform may receive user information corresponding to a first user. The user information may be authentication information from a sensor and/or a first communication device associated with the user. Based on the received user information, the computing platform may authenticate an identity of the first user and determine a location of the first user. Then, based on authenticating the identity and determining the location, the sensor may retrieve data corresponding to the first user and transmit the data to a second communication device.

Sensor-based authentication, notification, and assistance systems

Aspects of the invention relate to components for constructing a payment instrument that includes enhanced electronic features. Apparatus may include an all-inclusive smart card that securely stores sensitive data. Such sensitive data may include credit card, driver's license or passport information. The smart card may generate disposable card numbers for online or offline onetime transactions.

Growing community of inventors

Fremont, CA, United States of America

Kamesh R Gottumukkala