Bank of America Corporation

Kevin Cole

Matthew Hsieh

Caitlin Chrisman Bullock

Alicia C Jones-McFadden

Ramakrishna R Yannam

Priyank R Shah

Sushil Golani

Maruthi Z Shanmugam

Scott R Enscoe

Dariane Katinka Hunt

Christian S Kitchell

Shahram Khosraviani

Wanda P Wick

Scott T Enscoe

Christopher Keith Restorff

Gregory Hugh Gunn

Diane S Cannato

Prashanth Vallabhaneni

Caitlin Rose Chrisman

Shalini Johar

Murlidhar Reddy Gummakonda

Ashley Lauren Rozek

Pamela Fong

Embodiments of the invention are directed to systems, methods, and computer program products for providing a multi-channel cognitive resource platform configured for intelligent, proactive and responsive communication with a user, via a user device. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel. The system is further configured to switch between the various communication channels seamlessly, and in real-time.

Multi-channel cognitive resource platform

An entity may generate generic notifications for transmittal to a plurality of customers. One of the notifications may not be properly customized for a customer to whom the notification is scheduled for deployment. A system is provided that generates and refines generic notifications using artificial intelligence ('AI'). The system may include an application server running an AI engine for periodically monitoring, at a given point in time, historical customer data relating to less than a predetermined number of customers to ensure reduced, relative to a predetermined baseline, processing usage. The AI engine may determine, during the monitoring, that notifications transmitted by the platform to one of the customers have failed to elicit a positive response from the customer. The determination may prompt the AI engine to put the generic notification on hold for the customer and to perform additional steps to alter the generic notification to a targeted notification.

AI system for processing historical data to identify and reconfigure prescheduled, suboptimal events

Embodiments of the invention are directed to a system, method, or computer program product for resource optimization allocation via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention enables identification of existing resources. In one aspect, the system identifies inflow resource transfers associated with a first resource. The system then determines if the inflow resource transfers are required for processing of critical tasks. Consequently, the system initiates a resource transfer, comprising at least a portion of the inflow resource transfer, from the first resource to a second user resource. Typically, the second resource is configured to promote resource accumulation. In another aspect of the invention, the system identifies a third user resource that is configured to foster resource growth, that is then linked with the second resource.

Resource optimization allocation system

Embodiments of the invention are directed to a system, method, or computer program product for providing a real-time determination of resource availability for usage via an interactive forecast interface with incorporated dashboard. In this way, the invention provides a real-time overlay forecast interface on a mobile device. The system gains access to one or more resources of a user and compiles the resources into an interactive forecast interface for visualization, manipulation, and mock manipulation of resources. The invention converts resource data extracted from the sources of the resource into a textual format encrypted for secure implementation and use into the interactive forecast interface.

Real-time determination of resource availability for usage

Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.

Computerized person-to-person asset routing system

Embodiments of the invention are directed to a system, method, or computer program product for providing a reallocation of resources contextual visual element and double verification requirement for resource distribution. In this way, the system identifies goals associated with a user and generated contextual visual elements associated with those goals. Based on a triggering event, the system displays the customized contextual visual element on a display of the user's device locking the functionality of the user device for a period of time the contextual visual element is displayed. Furthermore, the system may integrate and code a double verification requirement into resource distribution applications, requiring secondary authentication and additional verification for resource distribution.

Reallocation of resources system

Embodiments of the invention are directed to a system, method, or computer program product for providing resource allocation based on available resources via an interactive resource interface. In this way, the invention provides a comprehensive integrated platform for identification, continual monitoring and optimal allocation of resources on a mobile device. The invention provides the interactive resource interface on the mobile device, wherein the interface is configured to receive user input comprising physical gestures. The system identifies a user input comprising a first physical gesture, wherein the physical gesture is associated with one or more gesture attributes. Consequently, the system may initiate a resource transfer between two resources, based on correlating the one or more gesture attributes with the resources.

Resource allocation based on available resources via interactive interface

Method, apparatus and system for setting up withdrawal change orders online or at a cash handling device for immediately retrieval and/or future retrievals of paper cash and coin. The change order may include specific requested denominations of paper cash and/or coins. The change order may also include a specific location that the user wishes to retrieve the cash at. Upon authentication of the user at the requested cash handling device within the time-frame specified, the user may receive the change order requested automatically.

Change orders

Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds transfer initiation process to receive the funds to be transferred and recipient information from a sender and a funds retrieval process to provide the funds to a recipient. The funds transfer initiation process may include a customizable authentication step that provides the sender an opportunity to determine the level of authentication. The funds transfer retrieval process may include determining whether the recipient is authenticated based on the authentication level chosen by the sender.

Person-to-person funds transfer

Method, apparatus and system for receiving coins and generating a certificate for depositing the sum of received coins in a banking account. The user may redeem the certificate in an already existing bank account or may enroll into a new banking account and receive immediate access to the funds redeemed.

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Charlotte, NC, United States of America

Kevin Cole