Bank of America Corporation

Mark Allan Nelson

Steven Michael Twombly

Karen Lea MacQueen

Ashish B Tajpuria

Stephen Philip Selfridge

Matthew D Murphy

Bradley Ryan Holland

Mark Cabot Williams

Tamara S Kingston

John Tuders

Elbert Lee Whitler

Doris Maria Garrett

Paul Ronald DeKoster

Jonathan H Tucker

Erik Stephen Ross

Tony England

Mark D Zanzot

Marc Lance Warshawsky

Ketil Bjugan

Willard Andrew Barr

William Sydney Ivey

Catherine Stokes Pullen

Scott Mastbrook

Brenda Lisbeth Smyth

Ross Matthew Feldman

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

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

A method, apparatus, computer-readable medium, and/or system may comprise a user device configured to transmit, to a computing device, data indicative of a first routing network and data indicative of a second routing network. The computing device may comprise a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to receive, from the user device, the data indicative of the first routing network and the data indicative of the second routing network. The computing device may determine, based on the data indicative of the first routing network, a plurality of parameters for the first routing network. The computing device may determine, based on the data indicative of the second routing network, a plurality of parameters for the second routing network. The computing device may generate a secure session connection between the computing device and a server associated with the second routing network. The computing device may receive, from the server and via the secure session connection between the computing device and the server associated with the second routing network, a modification to one or more parameters of the plurality of parameters for the second routing network. The computing device may determine priorities for the first routing network and the second routing network based at least in part on the plurality of parameters for the first routing network and the modification to the one or more parameters of the plurality of parameters for the second routing network. The computing device may store, at a database, the priorities for the first routing network and the second routing network.

Data transfer, over session or connection, and between computing device and server associated with a routing network for modifying one or more parameters of the routing network

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

A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to receive, from a user device, data indicative of an item. The computing device may be located at a first location, and the user device may be located at a second location, where the first location is different from the second location. The computing device may identify the item based on item recognition using the data indicative of the item. The computing device may determine, based on the identified item, one or more routing networks for the user device to use for the identified item. The computing device may generate, for display via the user device, a notification indicating the one or more routing networks for the user device to use for the identified item. The computing device may transmit, to the user device, and via a secure session connection, the notification indicating the one or more routing networks for the user device to use for the identified item. The user device may be configured to receive, from the computing device, the notification indicating the one or more routing networks for the user device to use for the identified item. The user device may display the notification indicating the one or more routing networks.

Data transfer between computing device and user device at different locations and over session or connection to display one or more routing networks to use

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.

Two factor vehicle authentication

A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between the computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, data associated with the second routing network. The computing device may analyze the data associated with the first routing network and the data associated with the second routing network. The computing device may determine, based on the analyzing the data associated with the first routing network and the data associated with the second routing network, a likelihood of a user device using a new routing network different from the first routing network and the second routing network. In response to determining that the likelihood of the user device using the new routing network exceeds a threshold, the computing device may generate, for display via the user device, a notification indicating a recommendation for the new routing network. The computing device may transmit, to the user device, the notification indicating the recommendation for the new routing network. The user device may be configured to display the notification indicating the recommendation for the new routing network. The first server associated with the first routing network may be configured to transmit, to the computing device and via the first secure session connection, the data associated with the first routing network. The second server associated with the second routing network may be configured to transmit, to the computing device and via the second secure session connection, the data associated with the second routing network.

Data transfer, over session or connection, and between computing device and one or more servers to determine likelihood of user device using a routing network

A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a secure session connection between the computing device and a server associated with one or more routing networks. The computing device may receive, from the server and via the secure session connection, data associated with the one or more routing networks. The computing device may store, at a database, the data associated with the one or more routing networks. The computing device may determine whether new activity associated with a user and involving at least one of the one or more routing networks is detected. In response to determining that new activity associated with the user is detected, the computing device may transmit, to the database, a request for the stored data associated with the one or more routing networks. The computing device may receive, from the database, the stored data associated with the one or more routing networks. The computing device may determine, based on a plurality of factors determined from the stored data associated with the one or more routing networks, a score for the new activity. The server associated with one or more routing networks may be configured to transmit, to the computing device and via the secure session connection, the data associated with the one or more routing networks.

Data transfer, over session or connection, and between computing device and server associated with one or more routing networks in response to detecting activity

A method, apparatus, computer-readable medium, and/or system may comprise a computing device comprising a processor and memory storing computer-executable instructions that, when executed by the processor, cause the computing device to generate a first secure session connection between a computing device and a first server associated with a first routing network. The computing device may receive, from the first server and via the first secure session connection, a plurality of pieces of data associated with the first routing network. The computing device may generate a second secure session connection between the computing device and a second server associated with a second routing network. The computing device may receive, from the second server and via the second secure session connection, a plurality of pieces of data associated with the second routing network. The computing device may categorize each of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may generate, based on the categorizing, one or more tags for each of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may generate, based on the one or more tags, a plurality of blocks of data. Each block of data of the plurality of blocks of data may comprise at least a portion of the plurality of pieces of data associated with the first routing network and the plurality of pieces of data associated with the second routing network. The computing device may store, at a storage device and with one or more corresponding tags, the plurality of blocks of data. The computing device may receive a request to share data with a third party computing device. In response to receiving the request to share data with the third party computing device, the computing device may transmit, to the third party computing device and based on the one or more corresponding tags, a block of data of the plurality of blocks of data. The first server associated with the first routing network may be configured to transmit, to the computing device and via the first secure session connection, the plurality of pieces of data associated with the first routing network. The second server associated with the second routing network may be configured to transmit, to the computing device and via the second secure session connection, the plurality of pieces of data associated with the second routing network.

Data transfer, over session or connection, and between computing device and one or more servers for transmitting data to a third party computing device

A user device is configured to transmit, to a computing device, data indicative of a first routing network and data indicative of a second routing network. The computing device determines, based on the received, a plurality of parameters for the first and second routing networks. The computing device may generate a secure session connection between the computing device and a server associated with the second routing network and receive, from the server and via the secure session connection, a modification to one or more parameters of the plurality of parameters for the second routing network. The computing device may determine priorities for the first routing network and the second routing network based at least in part on the plurality of parameters for the first routing network and the modification to the one or more parameters of the plurality of parameters for the second routing network.

Growing community of inventors

Waxhaw, NC, United States of America

Mark Allan Nelson