Bank of America Corporation

Paul Martin Mattison, Sr

Amy Baker Folk

Daniel Christopher Bohen

William Thomas Sanders

Shane Anthony Johnson

Shelaine Marie Monkiewicz

Sandra Ruth Maas

Kristen Ellen Asplund

Edward Christopher Mackey

Matthew Edward Williams

David J Smiddy

Carl Parziale

Jennifer Ann Raley

Anne Price

Pavan Singaraju

Brandon Kozlowski

Roberto Jose Dominguez

Charles F Pigg

Tommi Levi

Paul Cooley

Maneesh Kumar Sethia

Yash Sharma

Timothy Bryan Vannatter

Martha Sain McClellan

Saurabh Garg

Veralyn Dee Hensley

Timothy Scott Murphy

Nicholas Ralph Jope

Systems, computer program products, and methods are described herein for flexible data routing in a cloud-based network consortium. The method includes initiating an XR display for display on a user device and, in response to a first control signal, generating a nonfungible token (NFT) and transmitting a data packet over a secured network. The method further includes initiating, via the XR display, a secure application programming interface based on the NFT, geographic data, and a unique XR identification value, based on one or more data parameters, identifying a preferred data path, and, in response to a second control signal, performing an encrypted data exchange via the preferred data path.

Touchless API for flexible data routing in a cloud-based network consortium

Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.

Intelligent cash handling

After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.

Transaction storing and forwarding

Systems, computer program products, and methods are described herein for expedited data transfer utilizing a secondary data log. The present invention may be configured to analyze a primary data log and determine a user having a high volume of data transactions within a defined timeframe. The present invention may be further configured to maintain a secondary data log for a predetermined time period and, upon conclusion of the predetermined time period, sum the data transactions from the secondary data log and record the sum on the primary data log. The present invention may be further configured to determine a pre-authorized credit for the user to be recorded on the secondary data log during the predetermined time period.

System and method for expedited data transfer utilizing a secondary electronic data log

Systems, computer program products, and methods are described herein for activity data transmission in real-time using alternative communication rails to skip processing touch points. Specifically, the systems, apparatuses, methods and computer program products of the present invention are directed to a secure platform for preemptive transformation and structuring of resource data at a resource instrument device and authentication of resource data for processing from the resource instrument device to an end point party in real time without requiring intermediary processing. In some embodiments the apparatuses and systems comprise a resource processing terminal device structured for operative communication with a resource instrument device with a mobile application embedded thereon via a first proximity communication channel between the resource processing terminal and the resource instrument device using request for resource distribution messaging associated with alternative rail resource distribution processing.

Device for resource dispensing using alternative communication rails

A system for remote authentication accesses a scanned copy of a first document, images, and signatures associated with a requesting user, converts the scanned copy to a digital document, determines a subject matter associated with the first document based on an analysis of the digital document by natural language processing and machine-learning models, selects a first authenticator from multiple authenticators based on the subject matter, a timestamp of the authentication session, and an authenticator profile of the first authenticator, establishes a video communication session between the first authenticator and the requesting user via a display screen via networks, and instructs a printer to generate a physical copy of an authenticated first document including a first authentication certificate of the first authenticator upon determining the first document is authenticated by the first authenticator.

System and method for remote authentication based on computer-vision technologies

Embodiments of the present invention provide a system for minimizing computational processing for converting user resources to resources supported by third party entities. In particular, the system may be configured to determine that a user has scanned a code projected on an entity device via a third party application present on a user device of the user, wherein the entity device is associated with an entity, establish a first connection with the entity device, establish a second connection between the user device and the entity device based on determining that the user has scanned the code, determine that the user has inserted user resources into the entity device, via the first connection, convert the user resources to resources supported by a third party entity, and display in real-time, information associated with the resources on the third party application.

System and method for minimizing computational processing for converting user resources to resources supported by third party entities

Systems, computer program products, and methods are described herein for triggering resource channel mapping for dynamic authentication. The present invention is configured to receive, from a user input device, a request from a user to access resources via a first resource channel; retrieve information associated with the user; query a resource channel repository using the information associated with the user; retrieve, from the resource channel repository, information associated with a second resource channel based on at least the query, wherein the second resource channel is associated with the user; in response, automatically trigger a resource channel mapping engine; map, using the resource channel mapping engine, the second resource channel and the first resource channel; and in response, authorize the request to access the resources via the first resource channel.

System for triggering resource channel mapping for dynamic authentication

A system for selective document scanning and storage is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and a processing device, wherein the processing device is configured to execute the computer-readable program code to: receive a document via a user device comprising an image capturing device configured to capture an image of the document; determine an error with the document; in response to determining the error with the document, trigger transmission of a signal to the image capture device; and modify a document image capture based on receiving the signal at the image capture device.

System for selective event-based document scanning and captured image storage

Growing community of inventors

Sherrills Ford, NC, United States of America

Paul Martin Mattison, Sr