Bank of America Corporation

Shekhar Singh Mehra

Gaurav Bansal

Sandeep Kumar Chauhan

Deviprasad Tatti

Pinak Chakraborty

Vinod Maghnani

Systems, methods and apparatus are provided for altering a static password between entry and authentication using a dynamic logic. A client application may receive entry of a user password and record an amount of pressure associated with the entry. The client application may dynamically select a virtual contact surface material and generate audio files corresponding to writing or typing the password characters on the selected surface material with the recorded amount of pressure. The client application may compress the audio files by embedding them within the same digital space according to a time-based logic. The dynamic password files may be routed to a central server. Data packet fragmentation may further improve security during transmission. The central server may reconstruct the password for authentication using the time-based logic.

Dynamic password generation

Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

System for utilizing resources from multiple sources to complete a resource distribution

Aspects of the disclosure relate to real-time knowledge-based widget prioritization and display. A computing platform may detect, via a computing device, a voice-based interaction between an enterprise agent and a customer. Then, the computing platform may cause, via the computing device, the voice-based interaction to be captured as audio data. The computing platform may then transform the audio data to textual data. Subsequently, the computing platform may identify, in the textual data, a customer query. Then, the computing platform may retrieve, in real-time and based on the voice-based interaction and from a repository of widgets, a first widget, where the first widget includes information at least partially responsive to the customer query. Then, the computing platform may display, to the enterprise agent and via a graphical user interface in use by the enterprise agent, the first widget.

Real-time knowledge-based widget prioritization and display

An apparatus includes a memory and a hardware processor. The memory stores one or more scheduling histories. The processor receives a first list from a first client device and a second list from a second client device. The first list includes a first job and the second list includes a second job. The processor calculates a first resource requirement to execute the first job and a second resource requirement to execute the second job. The processor determines that a conflict exists between the first job and the second job and in response, communicates messages to the first and second client devices indicating the conflict and proposed times for executing the jobs. The processor determines based on responses to the messages, execution times for the first and second jobs, assigns permission identifiers to the first and second jobs, and communicates a schedule.

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New Delhi, India

Shekhar Singh Mehra