Bank of America Corporation

Rosemary Hill

Brian Joseph Smith

James Robert Grimsley

Linda Haddad

Nancy T Carrier

Susan J Moss

Kathleen D Schaumburg

Stefani R Benefield

Sheryl L Stewart

Maria Cannizzo

Colin Christopherson

Kevin Albert Cooper

Varsha Shitut

Jennifer A Cameron

Holly Trucco Hillary

Matthew M Choiniere

Griffin Rice

Arpit Gupta

A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.

Secured, unified, multifunctional, digital currency store with machine-readable card and/or mobile app

Aspects of the disclosure relate to transmission of visual content to a display device. A computing platform may receive user information corresponding to a user. The computing platform may determine, based on authentication information in the user information, a profile corresponding to the user, and further determine a visual data file. The computing platform may determine, based on the user information, a display device, among a plurality of display devices. The computing platform may add the visual data file to a playlist associated with the display device. The computing platform may transmit, to the display device, data corresponding to the visual data file.

Transmission of visual content to display devices based on location detection

Embodiments of the present invention provide a system for the use of a collapsible and deployable interactive structure. An interactive structure that is collapsible and deployable is provided in an outdoor or interior location. The interactive structure includes at least a door with a locking mechanism, an interior display, and a physical presence sensor, and may include ceiling tiles made of melt-away material, external displays, and an external bench that houses electrical components. Communication with a user is initiated, and information about the user is obtained for authentication and identification purposes. The user is authenticated, thereby unlocking the door to allow the user to enter the interactive structure. Once the user is inside, the interior display is activated to allow an underlying system to communicate with the user to determine a desired action for with the user. The interior display and underlying system facilitate the performance of the desired action.

Collapsible and deployable interactive structure and system of use

Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs.

Routing and queuing information for video conferencing in banking centers

Video collaboration call center queuing

A payment device such as a debit card may be issued to an individual such as a minor. The debit card may be associated with spending control parameters to prevent overspending and other financial issues. Control parameters may include a weekly maximum that may be spent, approved transaction types (e.g., deposits only), authorized transaction entities (e.g., grocery stores, gas stations, etc.). Thus, transaction might only be approved if the transaction qualifies under the set control parameters. An individual may further access a banking interface that allows the individual to view financial education materials, games, savings trackers and the like. A savings tracker may be used to help an individual save money toward a particular goal. In one or more configurations, a parent, guardian or primary account holder may have the ability to modify control settings of the payment device and/or modify the banking interface (e.g., change the options available).

Conducting financial transactions

Growing community of inventors

Jacksonville, FL, United States of America

Rosemary Hill