Bank of America Corporation

Katherine Dintenfass

Cameron Darnell Wadley

Victoria Lynn Dravneek

Elizabeth Votaw

Laura Corinne Bondesen

Matthew Alexander Calman

Carrie Anne Hanson

Minh N Vuong

Susan Varghese

Charles Karim Aweida

Candice Michelle Jones

Parker Holt Bossier

Rebecca A Chen

Nandhita Kumar

Min Zhao

Alicia C Jones-McFadden

Jason Christian Karmelek

Daralyn Marie Nicholson

Matthew Hsieh

Graham Marshall Wyllie

Thomas H Judge

Britton T Farrell

Craig Terrill

Jiyoung Choi

Hamid Dalglijli

Heather Roseann Dolan

William August Stahlhut

Alexander C Wittkowski

Andrew Saar

Amber J Quitadamo

Mohamed A Gahnoog

Elena Kvochko

Maria Carolina Barraza Enciso

Monika Kapur

Willard H Waldron, Iii

Kenneth A Kaye

Robert S Kerr

Michael Ogrinz

Jisoo Lee

Jason P Blackhurst

Scott R Enscoe

Leo Kopelow

Brett Newman

Nicole Chen

Yameng Li

Nicholas Sharp

Damon C Missouri

Angela Fritz Thompson

Donald Joseph Cardinal

Gerard P Gay

Jon Robert Wolf

Chris Stott

Marc Lance Warshawsky

Anna Hollifield

Jim McCormack

Konstantin Shushkovsky

Gail R Davis

Paul Adam Keifer

Vasudevan Nagalingam

Jon David Neckes

David M Grigg

Joseph Neil Johansen

Kerry Michelle Cantley

Jinna Zevulun Kim

Jo-Ann Taylor

Karen Lea MacQueen

Daniel David

Glenn M Grossman

Tamara S Kingston

Kimberly Belle Summerrow

Jennifer T Renckert

Leslie Richard Rhyne

Aaron R Leinker

Leslie Jaye Lochman

Amy Elizabeth Magazu

Ashwin Borges

Wade Travis Hobbs

Mary Christy Folley

Kevin Perry

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

Aspects of the disclosure relate to a system that provides enhanced security of information transmitted by connected devices. The system may be used to request resources from members of a donee's virtual group. Donated funds or line of credit may be loaded to the donee's digital wallet with no link to any of the donee's personal accounts. The request for resources may utilize secure correspondence between the donee and the prospective donors. The secure correspondence may be locked and prevented from being forwarded or captured via a screenshot to ensure confidentiality. If an attempt is made to forward or copy the secure correspondence, the secure correspondence may be deleted. Donated funds/line of credit may be allocated for specific use, and may not be owned by the donee until used.

System for secure distribution of peer requests for resources

Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are 'silent,' because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Native-feature silent coercion alarm

A system for document extraction and targeted dissection, the system comprising: a memory device; a communication device; and a processing device configured to: receive a first document via communication channel over the network; extract user information from a first data field of the first document, wherein the first data field has a first data type and a first data format; store the user information and the first document in a document database; identify a second document comprising a second data field, wherein the second data field has the first data type; populate, automatically, the second data field of the second document with the extracted user information; display the second document in an electronic presentation via a user interface of a user device; and augment the electronic presentation of the second document in the user interface with supplemental data associated with the second document.

Data extraction system for targeted data dissection

Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.

System for predictive use of resources

An interaction security system for user verification utilizes co-location in order to more accurately identify a user location. The system identifies a user computer system location based a location determination component for the user computer systems. Moreover, the system identifies a resource accessory location of a resource accessory. The resource accessory location may be determined in a number of different ways, including, but not limited to, a location determination component of the resource accessory. The system may utilize a time requirement and/or a geo-location requirement in order to maintain verification of the user for a period of time and/or within a specific location. Moreover, the system may require the user to take an action with respect to the resource accessory before verifying the user location for an interaction.

Co-location security system

A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.

Dual PIN payment instrument

A system for configuring and executing a secure communication network for authorizing access to safeguarded resources is provided. In particular, the system uses person-to-person (P2P) authentication technology to securely transmit resources between users. In this way, an efficient way to for users to manage resources is provided.

Person-to-person network architecture for secure authorization and approval

An interaction and resource exchange system that provides authentication for a designated user to complete an interaction entered into by an initiating user. An initiating user is able to enter into interactions with third-parties and set one or more interaction limits and/or designated user requirements to allow a designated user to complete the interaction with the third-party should interaction limits and/or designated user requirements be met. The interaction limits and/or the designated user requirements allow for improved security related to these types of interactions and resource exchanges. In particular, the interaction and resource exchange may be implemented through a real-time resource exchange network that efficiently allows for the designated user to complete the interaction.

Pre-authorized secure resource allocation system

Embodiments of the present disclosure provide a system for real time provisioning and optimization of a user's resources based on both historical and real time data associated with the user. In particular, the system may comprise a data analytics engine which may continuously analyze user data from various data sources. The aggregated data may be processed through a predictive engine which may use artificial intelligence and/or machine learning to predict a user's actions within the system. Based on the prediction, the system may provide an optimized allocation of resources with respect to the predicted actions of the user.

System for real time provisioning of resources based on condition monitoring

Embodiments of the present invention provide a system for generation and maintenance of nested hierarchical resource modules. The system is configured for identifying one or more indicators associated with one or more resource pools of a user, generating one or more resource modules in the one or more resource pools of the user based on identifying the one or more indicators, automatically transferring resources to each of the one or more resource modules, identifying initiation of a resource interaction by the user, wherein the resource interaction is between the user and a third party entity, determining a type of the resource interaction and identify at least one resource module that is associated with the determined type, and transferring the resources from the at least one of the one or more resource modules to the third party entity.

System for generation and maintenance of nested hierarchical resource modules

Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are 'silent,' because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal evaluation process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the evaluation process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Silent alarms for economic duress

A system for device customization based on beacon-determined device location is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; a processing device, wherein the processing device is configured to execute the computer-readable program code to: establish a beacon device at a beacon location, the beacon device defining a communication range covering an area; determine a device location of a user device; determine that the device location of the user device is within the area of the beacon device at the beacon location; based on determining the user device is within the area, generate a data stream for the user device tailored for the beacon location; and present the data stream to the user device.

System for device customization based on beacon-determined device location

A system may be configured for: analyzing resources and attributes to identify a subset of users having complementary resources; generating an integrated resource cluster comprising the subset of users; distributing resource transfer tasks from a received resource exchange request to the integrated resource cluster to dispense outbound resources; determining an inbound resource total for the integrated resource cluster; and transferring calculated resource divisions the subset of users comprising the integrated resource cluster. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.

System for identification and integration of like resources and configuring resources for common use

Growing community of inventors

Lincoln, RI, United States of America

Katherine Dintenfass