Bank of America Corporation

Saurabh Mavani

Martha Sain McClellan

Jeetendra Hukmichand Jain

Oscar Guzman

Lisa Janette Ebba Weekes

Francis Schommer

Aspects of the disclosure relate to voice biometric authentication in a virtual assistant. In some embodiments, a computing platform may receive, from a user device, an audio file comprising a voice command to access information related to a user account. The computing platform may retrieve one or more voice biometric signatures from a voice biometric database associated with the user account, and apply a voice biometric matching algorithm to compare the voice command of the audio file to the one or more voice biometric signatures to determine if a match exists between the voice command and one of the one or more voice biometric signatures. In response to determining that a match exists, the computing platform may retrieve information associated with the user account, and then send, via the communication interface, the information associated with the user account to the user device.

Voice biometric authentication in a virtual assistant

Systems, computer program products, and methods are described herein for establishment and dynamic adjustment of control parameters associated with resource distribution. The present invention may be configured to determine, based on historical data of resource distributions, suggested control parameters for resource distributions associated with a source associated with a user and provide the suggested control parameters to the user. The present invention may be configured to receive, after providing the suggested control parameters to the user, user input identifying user-defined control parameters. The present invention may be configured to receive a request to authorize a resource distribution, determine, based on the user-defined control parameters, whether the resource distribution is permitted, and authorize, based on determining that the resource distribution is permitted, the resource distribution.

System for establishment and dynamic adjustment of control parameters associated with resource distribution

Embodiments of the present invention provide an end-to-end automated process for resource allocation as a result of monitoring resource volumes required to transmit an object and determining a difference between the an object's resource volume used in a resource interaction and the current object's resource volume required to transmit the object. As a result, the present invention provides the capability to perform resource allocation absent any input or other actions on behalf of the entity to whom the resources are being allocated.

System for resource allocation via an intermediate resource volume adjustment sub-system

Embodiments of the invention include systems, methods, and computer-program products for digitizing and processing transmission of a physical resource document from an issuer to a user and from a user to a processing institution for real-time posting of physical resource documents. In this way, the invention processes a physical resource document into an image format at the issuer and transmits a secure digital image file to the user. The image format is processed and digitized for resource processing. Upon user receipt, the system validates the resource distribution. Upon validation the system allows for processing the resource document and the resource distribution from that document as a digital real-time payment.

System for digitizing and processing resource documents

Systems, computer program products, and methods are described herein for dynamic transformation of electronic representation of resources. The present invention is configured to electronically receive a request from a user to access one or more resources; electronically receive information associated with the one or more resources associated with the user from a resource database; generate an electronic representation of the one or more resources; transmit control signals configured to cause the application stored on the computing device associated with the user to display the electronic representation of the one or more resources; electronically receive one or more input signals from the user, via the application, to interact with the electronic representation of the one or more resources; and initiate an execution of one or more actions on the electronic representation of the one or more resources in response to the one or more input signals from the user.

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Lake Hopatcong, NJ, United States of America

Saurabh Mavani