Bank of America Corporation

Karen Lea MacQueen

Mark Allan Nelson

Ashish B Tajpuria

Steven Michael Twombly

Stephen Philip Selfridge

Katherine Kei-Zen Dintenfass

Tony England

Victoria Lynn Dravneek

Robert Nyeland Huggins

Melissa Christine Derville Hart

Katherine Dintenfass

Jinna Zevulun Kim

Matthew D Murphy

Monika Kapur

Jo-Ann Taylor

Jennifer T Renckert

Jill Marie Moser

Matthew Robert Gray Pitner

Sandra Ann Breece

Leslie Richard Rhyne

Wendy Marie Wekke

James I Brown

Jorge E Camargo

Thomas D Ellis

Murthy Peri

Brandy Lachole Brown

Systems, computer program products, and methods are described herein for generating and training a module selection engine for distribution allocation in a network environment. The present invention is configured to receive a subordinate user account identifier associated with a subordinate user account; determine a supervisor user account identifier associated with the subordinate user account identifier; apply a module selection engine to the subordinate user account identifier, wherein the module selection engine determines a plurality of modules to present to the subordinate user based on the subordinate user account identifier; generate, by the module selection engine, a plurality of module interface components; transmit the plurality of module interface components to a user device associated with the subordinate user account; and determine a plurality of module completion statuses for each module of the plurality of module interface components.

Systems and methods for generating and training a module selection engine for distribution allocation in a network environment

Resource exchange event authentication predicated on user location that is determined from short-range wireless signals transmitted from a card or wearable device in possession of the user. Artificial Intelligence (AI), including Machine Learning (ML) techniques are relied on to determine an authentication rule and/or parameters for an authentication rule as part of the authentication process. Thus, at least a portion of the authentication rules and/or parameters, which may be based not only on the aforementioned determined location of the user, but also on other factors such as time, amount of resource exchange event, type of objects/services being exchanged in the event and the like, are determined intelligently and dynamically at the time that the resource exchange event occurs.

Artificial intelligence-based system for authenticating a resource exchange event based on geolocation of a carded or wearable device

A system is provided for controlling resources using parallel computing devices. In particular, the system may comprise one or more applications installed across one or more computing devices, where the one or more applications may be configured to control resource transfers. Certain applications may be configured such that one application, such as a primary application, may implement one or more controls or restrictions on resource transfers that may be executed by another application, or a secondary application. The primary application may further be configured to monitor the secondary application to retrieve various types of data from the secondary application, such as resource transfer metrics data. The system may be configured to, based on the data associated with the secondary application, generate one or more resource-related projections with respect to the secondary application. In this way, the system provides an efficient way to control resource transfers across parallel computing devices.

System and method for controlling resources using parallel computing devices

Embodiments of the present invention provides a micro-moment or nuanced personalization eco-system for a user interaction with an entity via any channel. The system first preforms a gauge of the user's level with personalization of interactions and channels via rule set and clustering analysis. System then inputs and creates a forecasted algorithm for the user personalization. The invention further utilized micro-movement capture to identify micro changes to user visualization and conforms presentations based on the micro-movements. The invention further provides a backend feedback loop model to identify personalization levels for each user.

Micro-moment/nuanced personalization cross channel eco-system

Aspects of the disclosure relate to identity management and recommendation. A computing platform may receive a request to access information associated with one or more user accounts. The computing platform may send a biometric authentication prompt for identifying a user. The computing platform may receive biometric input of the user. The computing platform may retrieve one or more biometric enrollment templates from a database. The computing platform may compare the biometric input to the one or more biometric enrollment templates to determine if a match exists between the biometric input and one of the one or more biometric enrollment templates. Responsive to the user being authenticated based upon a match, the computing platform may retrieve and send information associated with the one or more user accounts. The computing platform may generate and send one or more recommendations associated with usage of the one or more user accounts.

Account establishment and transaction management using biometrics and intelligent recommendation engine

Embodiments of the present invention provide a communicable integration of a user network of devices and a vendor system. Embodiments receive, at the vendor system from the user network of devices, a request for provisioning of products by a vendor; determine a provisioning location for provisioning of the products by the vendor; continuously identify a real-time location of the user via the one or more components of the user network of devices; continuously calculate a real-time first limit based on the continuously identified current location of the user and the provisioning location; calculate a total time to provision the products comprising a sum of a product preparation time and the real-time first limit; and optimize delivery of the products based on the total time to provision and the real-time location of the user.

System, medium, and method for real-time data services based on geo-location information

Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a third party entity from the one or more third party entities, establishing a communication link with a third party entity device associated with the third party entity, and initiating transfer of resources to the remote device to complete the interaction.

System for communicable integration of an automobile system and a fuel station system

Embodiments of the invention are directed to a system, method, and computer program product for resource correlation based on resource usage. The system first determines a quantity of graphical prompts capable of being displayed within the area of a display. The system determines, based on the quantity of graphical prompts, a quantity of resource allocation offers. The system generates a quantity of graphical prompts based on the quantity of resource allocation offers.

System for correlation based on resource usage

The preset invention relates to a system for integrated connectivity of devices to provide dynamic control and real-time routing of a vehicle for item transfer and vehicle performance. The system is configured for constructing a dynamic item file comprising one or more items associated with a user. The system is configured to identify an item collection initiation trigger and transmit an order placement control signal to an entity system of an item entity to initiate item transfer of the one or more items at a predetermined time interval. The system is configured to direct the vehicle to a first parking location associated with the geographic location parameter of the item entity. In addition, using a sensor device of the vehicle such as a weight sensor, an RFID sensor and/or a visual capture device, the system is structured to identify that the one or more items are located in the vehicle.

Integrated connectivity of devices for resource transmission

Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.

Real-time vehicle environment recognition and collision identification system

Embodiments of the present invention provide a system for generating a communicable linkage and communication channel between various user devices, including smart devices, with a vehicle system. The system converts data from the user devices into readable format for implementation into a vehicle system. The implementation may include autonomous implementation for location transmission and guidance for the vehicle. Upon authentication of the user to the vehicle, the system directs the vehicle based on the converted data.

User data digestion for autonomous car implementation

Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.

System for communicable integration of an automobile system and a drive-through system

A computerized system may be configured for: determining a travel route to an event; causing a display of a smart device of a vehicle of a user to display the travel route; determining a parking location proximate to the event; modifying the travel route to include the parking location; identifying an item of a third party entity located proximate to the event; placing an order for the item in response to determining that a trigger event has occurred; causing a display of the user's mobile device to display information about the order once the vehicle has arrived at the parking location and the user is no longer collocated with the vehicle; determining that the mobile device of the user is collocated with a remote device of the third party entity; and transferring resources from the user to the third party entity to complete the order.

System for providing real-time routing and data services for user events based on real-time vehicle location

Embodiments of the present invention provide a system for a multi-factor authentication of a user via a vehicle recognition of the user. In this way, the invention may identify a user co-located to a vehicle and authenticate that user via communicable linkages between a user device and automobile system. The invention may authenticate the user via the communicable linkage, vehicle biometrics, user vehicle preferences, and/or third party authentication. Based on a number of authentication points identified, the system may identify a level of authentication for accessing authentication locations. The system may then allow user access to various locations from his/her vehicle without requiring authentication into those locations.

Growing community of inventors

Lyndhurst, OH, United States of America

Karen Lea MacQueen