Bank of America Corporation

Phillip Wade Mork

Joseph Benjamin Castinado

Manu Jacob Kurian

Alicia C Jones-McFadden

Michael Ogrinz

Matthew Hsieh

Victoria Lynn Dravneek

Stephen A Corrado

Evan Sachs

Sandeep Kumar Chauhan

Sean Michael Gutman

Kimberly Turner

Toni J Moore

Systems, apparatus are defined that provide for determining optimal resource channels for delivering resources using contextual and prior usage data analysis. As such, the present invention is able to determine and communicate to the resource presenter the optimal resource channel, in which optimal is defined as being most beneficial to the resource presenter and/or resource processor. In this regard, the present invention takes into account the efficiency (i.e., time to process), cost, security, usage, and other benefits associated with the resource presenter and/or resource processor in determining which resource channel is optimal for any given resource delivery event.

Optimum resource routing using contextual data analysis

Embodiments of the invention are directed to a control device for aggregation of machine-initiated resource distribution. The invention is a control device that links user associated smart devices. The control device generates code to extract data from the smart devices and control the communications disseminated from and received by the smart device from third parties. In this way, the control device prevents smart devices from communicating with third party systems and from third party systems from communicating directly with the smart devices. Thus, fixing the technical challenges within a current network including the need to consolidate and aggregate data across smart devices associated with the user, the need to control and manage the flow of data packets from smart devices to third parties (privacy, filtering, protection), and the need to easily track and refresh an inventory of smart devices.

Control device for aggregation and distribution of machine-initiated resource distribution

Embodiments of the invention are directed to a system, method, or computer program product for aggregation of machine-initiated resource distribution. The invention generates a smart device portal for linkage of user associated smart devices. The portal generates code to extract data from the smart devices and control the communications disseminated from and received by the smart device from third parties. Thus, the generated portal and coded stored signal fixes the technical challenges within the current network including the need to consolidate and aggregate data across smart devices associated with the user, the need to control and manage the flow of data packets from smart devices to third parties (privacy, filtering, protection), and the need to easily track and refresh an inventory of smart devices in a manner that allows key data to remain associated with the user while the user's inventory, device associations, and personal/business associations change over time.

System for aggregated machine-initiated resource distribution

Embodiments of the invention are directed to systems, methods, and computer program products for authentication levels associated with a wearable device. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; receive an indication from the user to execute a transaction; determine that the user continues to remain in possession of the wearable device; determine that the transaction requires an authentication level higher than the default authentication level; receive additional authentication credentials associated with the authentication level required to execute the transaction; authenticate the wearable device using the additional authentication credentials received from the user; and execute the transaction associated with the authentication level higher than the default authentication level.

System for authentication levels associated with a wearable device

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Huntersville, NC, United States of America

Phillip Wade Mork