Bank of America Corporation

Susan J Moss

Samuel Massa Moiyallah, Jr

Joseph Benjamin Castinado

Pratap Dande

Stephen Thomas Shannon

Siten Sanghvi

Naga Vamsi Krishna Akkapeddi

Morgan Stewart Allen

Linda Haddad

Nancy T Carrier

Rosemary Hill

Kathleen D Schaumburg

Gerard P Gay

Donna Lee Phillips

Tanya A Wilson

Rahul Kumar Mishra

Andrzej Grabski

Kiran Boosetty

Ravinder Kaur Sodhi

Julio A Vancini

Malinda Kieffer

Robert Ronald Rosseland, Jr

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

Aspects of the disclosure relate to detecting usage issues on enterprise systems and dynamically providing user assistance. In some embodiments, a computing platform may receive, from an automated teller system, user presence information indicating that a user has been detected at an automated teller machine associated with the automated teller system. Subsequently, the computing platform may identify, based on the user presence information received from the automated teller system, that the user has a need for assistance with the automated teller machine associated with the automated teller system. In response to identifying that the user has the need for assistance, the computing platform may generate and send one or more commands directing the automated teller machine associated with the automated teller system to execute one or more automated assistance actions corresponding to the need for assistance.

Detecting usage issues on enterprise systems and dynamically providing user assistance

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

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

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.

System for processing an even request by determining a matching user profile based on user identifying information

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Vestal, NY, United States of America

Susan J Moss