Bank of America Corporation

Samuel Massa Moiyallah, Jr

Joseph Benjamin Castinado

Susan J Moss

Gerard P Gay

Donna Lee Phillips

Tanya A Wilson

Rahul Kumar Mishra

Andrzej Grabski

Julio A Vancini

Kiran Boosetty

Robert Ronald Rosseland, Jr

Ravinder Kaur Sodhi

Malinda Kieffer

Systems, computer program products, and methods are described herein for generating alternative information formats using advanced computational models for data analysis and automated processing. The present disclosure is configured to receive a message, wherein the message comprises one or more content components; transmit the message to an alternative information module, wherein the alternative information module comprises an alternative information database and an artificial intelligence module; determine, using the artificial intelligence module, an alternative information format, wherein the alternative information format is based on the message, and wherein the alternative information format comprises a natural language that uses the visual-manual modality to convey meaning; transmit the message to a sequencing module, wherein the sequencing module integrates the alternative information format into appropriate segments of the message; and create an overlayed communication, wherein the overlayed communication comprises the message and the alternative information format.

System and method for generating alternative information formats using advanced computational models for data analysis and automated processing

Apparatus and methods are provided for a conversion engine that bridges between incompatible digital currency systems. The conversion engine may include a non-transitory memory of a computer system that includes machine executable instructions, that when executed by a processor on the computer system cause the processor to perform one or more functions of the conversion engine. The conversion engine may receive a request from a source digital wallet application and extract a destination digital wallet from the request. The conversion engine may locate currency referenced by the source digital currency application and verify a transactional integrity of the currency. The conversion engine may transfer the currency from the source digital wallet application to the destination digital wallet application.

Digital wallet conversion engine

As the world progresses towards a 100% cashless payment society, there has been a rise in the various forms of emerging payment technologies. Such technologies may include digital wallet payment applications. There is a need for a plug and play, universal protocol that would bridge the gap between these various emerging payment technologies and their respective proprietary ecosystems. The plug and play universal protocol would be deployed in each money transfer ecosystem and would be responsible for forwarding money to an account/wallet external to the ecosystem. There is also a need for a hardware digital wallet that interacts with the bridging protocol, merchant POS terminals and other transaction processing systems.

Reusable near field communication ('NFC') device for pre-stage point-of-sale ('POS') payments

This application describes apparatus and methods for distributing computing resources using edge-computing. Apparatus may include an edge node that is positioned in a target geographic region. The edge-node may include information needed to process transactions that occur locally in the target geographic region. The edge-node may process the transaction without communicating with a central server. The edge-node may support processing transactions on behalf of a variety of financial institutions and merchant processing systems. Processing the transaction locally may reduce computational resources typically required by region server to process high volumes of transactions. The edge-nodes would process transactions locally, close to a location of at least one party to the transaction.

Local edge-node server

As the world progresses towards a cashless payment society, there has been a rise in the various forms of emerging payment technologies. Such technologies may include digital wallet payment systems. There is a need for a bridging protocol and conversion engine that would connect gaps between these various emerging payment technologies and their respective proprietary ecosystems. There is also a need for a digital holding account that provides a protective layer to fund transfers between cashless ecosystems. The digital holding account may hold and monitor currency processed by the conversion engine. Such currency would not be transferred directly into checking account. The digital holding account may be subject to rigorous validations to scrutinize the source and destination of transferred currency. Validation may include checking distributed ledger transaction records of prior transfers of the received currency.

Digital holding account

Systems, computer program products, and methods are provided for categorizing data entries or segments from data files and storing the categorized data within category-specific blocks of a distributed ledger within a distributed trust computing network. Access credentials are generated that link/point to the those category-specific blocks containing data entries/segments that the credential holder is authorized to access. As such, the present invention insures that authorized entities (i.e., credential holders) that are accessing the distributed trust network for the purpose of verifying/authenticating data contained therein only have access to that portion/segment of the data file (e.g., specific data entries or the like) that they are authorized to access. In other words, the present invention, limits the authorized entity to only accessing data from the data file on a need-to-know basis.

Management of access to data stored on a distributed ledger

Systems, computer program products, and methods are provided for storing data files within a distributed trust computing network, such as a blockchain network, which acts as a source of truth for the digital copy. In response to storing the data file within the distributed trust computing network, a machine-readable code is generated that when read by an authorized entity provides access to the certified digital copy stored within the distributed trust computing network. In this regard the machine-readable code serves as a pointer to the distributed trust computing network and the storage location within the trust network and, in specific embodiments the code is dynamic so as to provide access privileges (e.g., security credentials required to access, the content authorized to access, duration period for accessing and the like).

System for providing access to data stored in a distributed trust computing network

Embodiments of the present invention provide a multi-level authentication system to provide an additional level of authentication using phone application level data. The system extracts application level data and generates a questionnaire based on the extracted application level data. This questionnaire is transmitted to the device of the user by the system to receive an input related to the questionnaire. The system authorizes a request to execute an action upon validating the input received.

Multi-level authentication using phone application level data

Aspects of the disclosure relate to implementing and using a data processing system with a machine learning engine to provide enterprise monitoring functions. A computing platform may receive environment mapping data from a distributed computing environment. Subsequently, the computing platform may generate a machine learning dataset based on the environment mapping data. Then, the computing platform may validate the machine learning dataset and may monitor the distributed computing environment. Based on monitoring the distributed computing environment, the computing platform may detect an environmental modification in the distributed computing environment. After detecting the environmental modification in the distributed computing environment, the computing platform may receive updated environment mapping data from the distributed computing environment. Subsequently, the computing platform may generate an updated machine learning dataset based on the updated environment mapping data received from the distributed computing environment.

Data processing system with machine learning engine to provide enterprise monitoring functions

Disclosed is an event processing and identity validation system. The system typically includes a processor, a memory, and an event processing and identity validation module stored in the memory. The system is typically configured for: validating a set of identity information for each profile of a set of profiles, receiving an event request comprising user identifying information, comparing the user identifying information with the sets of identity information of the set of profiles to determine a matching profile, processing the event request by generating an authentication code, notifying the user of the event request, determining that a device of the user is within a defined distance of an authentication location and automatically transmitting the generated authentication code to the device of the user, receiving a key code from a computing device, and determining a match between the key code and the authentication code to complete the event request.

Growing community of inventors

Newark, DE, United States of America

Samuel Massa Moiyallah, Jr