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Bank Of America patents


Recent patent applications related to Bank Of America. Bank Of America is listed as an Agent/Assignee. Note: Bank Of America may have other listings under different names/spellings. We're not affiliated with Bank Of America, we're just tracking patents.

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Shared capability system

Systems, computer products, and methods are described herein for a shared capability system for improved logging of events that occur on systems and within applications on the systems. The present invention captures logged data, converts it into a format that is uniform across multiple systems and applications, and streams the logged data to a centralized storage database for analysis and reporting, without ever storing the logged data on the applications and/or systems on which the events occurred. ... Bank Of America

Remote document execution and network transfer using augmented reality display devices

An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. ... Bank Of America

Facilitating digital data transfers using augmented reality display devices

An augmented reality system that includes an augmented reality user device for a first person including a head-mounted display configured to overlay virtual objects onto tangible objects in real-time, a memory, a camera, and one or more processors. The augmented reality user device is configured to perform facial recognition on the captured image to identify a face of the second person, to identify an entry for the second person, and to initiate a peer-to-peer transfer when the entry for the second person has been identified. ... Bank Of America

Centralized authentication and reporting tool

A system includes a retrieval engine, an authentication engine, an extraction engine, a determination engine, and an export engine. The retrieval engine receives a request for a data report from a user via a user device. ... Bank Of America

Secure, autonomous file encryption and decryption

The disclosure includes novel encryption and/or decryption methods and systems that provide various security benefits. More specifically, the disclosure includes a description of a file encryption process and its ability to dynamically control permissions on who is allowed to decrypt the file. ... Bank Of America

System for multiplexing and demultiplexing blockchain ledgers via a cryptographic hash

Embodiments of the present invention provide a system for multiplexing and demultiplexing blockchain ledgers via a cryptographic hash. In particular, the invention uses cryptographic keys and hashes to combine and dissociate blockchain records from the private blockchains two or more entities. ... Bank Of America

System for manipulation and distribution of electronic resources

Embodiments of the invention are directed to a system, method, or computer program product for manipulating and distributing electronic resources. The system accepts a request from a user for a transfer of an electronic resource to a second user and in response, generates a transfer vehicle containing details of the transfer. ... Bank Of America

System for priority presentation integration on third party systems for limiting resource disbursement

Embodiments of the invention are directed to systems, methods and computer program products for implementing logic code within a resource disbursement limiter for integration into user mobile wallets via a third party mobile wallet system. The system provides a logic code within the presented resource disbursement limiter to the third party mobile wallet system for specific integration into a select user's mobile wallets and at selected locations within a list presented to the user via the mobile wallet. ... Bank Of America

Generating alerts based on vehicle system privacy mode

A vehicle computing platform may receive driver sensor data indicating whether a driver seat in a vehicle is occupied. The vehicle computing platform may determine, based on the driver sensor data, an identity of a driver of the vehicle. ... Bank Of America

Preventing unauthorized access to secured information using identification techniques

A vehicle computing platform may receive driver sensor data indicating whether a driver seat in a vehicle is occupied. The vehicle computing platform may determine, based on the driver sensor data, an identity of a driver of the vehicle. ... Bank Of America

Data upload - process integration tool

An upload tool includes a network interface, a table generation engine, and an upload engine. The network interface receives a request to generate a data table for a plurality of files. ... Bank Of America

Database work file storage limit facility

Some aspects as disclosed herein are directed to, for example, a system and method of configuring one or more configurable database work file limits and performing one or more actions in response to reaching or approaching the work file limits. The method may comprise determining, by a computing device, a user identifier associated with a user and an application identifier associated with an application. ... Bank Of America

Data analytics - process integration tool

An analytics tool includes a network interface and an analytics engine. The network interface receives a request for job analytics of a job. ... Bank Of America

Install file size optimization and installation verification system

The disclosure describes a tool that decreases the size of a software installation file by segregating and/or allowing customization of the original software installation file. The resulting install file permits multiple configurations to be created using the same install file by using custom configuration settings. ... Bank Of America

05/10/18 / #20180131728

Security enhancement tool

A method comprises receiving a notification of a new system violation and determining whether the new system violation in combination with one or more of a plurality of existing system violations presents a threat to the system. The method further comprises increasing the security of the system in response to determining that the new system violation in combination with one or more of the plurality of existing system violations presents a threat to the system, wherein increasing the security of the system comprises one or more of increasing an authorization level and increasing an authentication level.. ... Bank Of America

05/10/18 / #20180131709

Security violation assessment tool

A method comprises receiving a notification of a new system violation and classifying, based on characteristics of the new system violation, the new system violation as one or more of: an access violation; a configurational violation; an unauthorized modification; a usage violation; and an unsecured surface violation. The method also comprises comparing the new system violation in combination with one or more of a plurality of existing system violations to a plurality of entries and determining, based on the comparison of the new system violation and the one or more plurality of existing system violations to the plurality of entries, whether the new system violation threatens the system.. ... Bank Of America

05/10/18 / #20180131628

Optimum resource routing using contextual data analysis

Systems, apparatus are defined that provide for determining optimal resource channels for delivering resources using contextual and prior usage data analysis. As such, the present invention is able to determine and communicate to the resource presenter the optimal resource channel, in which optimal is defined as being most beneficial to the resource presenter and/or resource processor. ... Bank Of America

05/10/18 / #20180131592

System for defining and implementing performance monitoring requirements for applications and hosted computing environment infrastructure

Object automated determination of monitors associated with a component (i.e., application/software, middleware, hardware or the like) that has yet to be implemented within a computing environment infrastructure. Such a determination of the monitors relies on deploying one or more probes that scan through various, if not all, layers of the computing environment infrastructure, such as the hardware, the network, storage, operating systems, virtual layer, middleware, database, application layer, and/or the application to identify possible monitoring requirements. ... Bank Of America

05/10/18 / #20180131563

Parsing and optimizing runtime infrastructure alerts

Aspects of the disclosure relate to monitoring and managing computer networks by parsing and optimizing runtime infrastructure alerts. A computing platform may receive, from a server controller device associated with server infrastructure, alert information identifying a set of alerts associated with the server infrastructure. ... Bank Of America

05/10/18 / #20180130010

Method and system for data tracking and delivery

Aspects of the present disclosure are directed to electronic computer implemented tracking method and system for a product. In one aspect, a plurality of computer readable records are electronically maintained and stored in a computer readable database. ... Bank Of America

05/03/18 / #20180121472

Method and apparatus of collecting and reporting database application incompatibilities

Some aspects disclosed herein are directed to, for example, a system and method of detecting database application incompatibilities. Systems and methods described herein may format traces, collect data, store the data, and/or provide one or more user interface which allows an end user to quickly and easily identify affected statements, such as structured query language (sql) statements, for remediation action(s).. ... Bank Of America

04/19/18 / #20180107865

Biometric facial recognition for accessing device and authorizing event processing

Systems and arrangements for performing biometric facial recognition in order to provide access to a device and/or process one or more events are provided. In some examples, one or more images of a user may be received by an entity and pre-processed to obtain a mean pixel value and variance of each image. ... Bank Of America

04/19/18 / #20180107827

Dynamic requirements mapping

Systems and arrangements for integrating two or more overlapping requirements from different assessments are presented. In some examples, determining whether requirements are considered overlapping may include identifying a plurality of aspects of each requirement and comparing the aspects to aspects of other requirements to determine whether at least a threshold number of aspects are the same. ... Bank Of America

04/12/18 / #20180103341

System for location based authentication

Embodiments of the present invention describe systems for authenticating an identity of a user or a mobile device of the user. As such, when an event associated with the user is determined to be occurring, an authentication code is generated but not immediately sent to the mobile device of the user. ... Bank Of America

04/12/18 / #20180103112

System for automatically establishing an operative communication channel to transmit instructions for canceling duplicate interactions with third party systems

Embodiments of the invention are directed to a system, method, or computer program product for identifying duplicate third party interactions based on information extracted from multiple resources associated with an enrolled user. Furthermore, the system may automatically modify a duplicate third party interaction upon identification, wherein the system may cancel the duplicate third party interaction by interrupting payments to the third party provider associated with the duplicate interaction. ... Bank Of America

04/12/18 / #20180103086

System for automatically establishing operative communication channel with third party computing systems for subscription regulation

Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. ... Bank Of America

04/12/18 / #20180103042

Automated data authentication and service authorization via cryptographic keys in a private blockchain

Embodiments of the present invention provide a system for authenticating records belonging to an individual or entity and providing authorized access of said records to service providers. Embodiments of the invention utilize a private blockchain to store various types of records to be conveyed to the service providers. ... Bank Of America

04/12/18 / #20180103020

Multi-level authentication using phone application level data

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. ... Bank Of America

04/12/18 / #20180102955

Establishing an operative connection between a computing network and a third-party computing system for transmitting indications of process relationships

Pre-configured resource acquisitions are established and maintained in a database. The occurrence or imminent occurrence of an computer network-based event that impacts the pre-configured resource acquisition are monitored or tracked and, based on the determined impact of the computer network-based event, at least one of the occurrence of the computer network-based event is prevented or the user is notified of the impact of the computer-network based event on the pre-configured resource acquisition.. ... Bank Of America

04/12/18 / #20180102936

Real time event capture, analysis and reporting system

Embodiments of the invention are directed to systems, methods, and computer program products for monitoring, identifying and correlating changes to transient event data as a plurality of technology events are processed by a plurality of applications. The proctor module of the system is automatically triggered by addition of event data to transient memory locations associated with the plurality of applications. ... Bank Of America

04/12/18 / #20180102935

Real time event capture and analysis of transient data for an information network

Embodiments of the invention are directed to systems, methods, and computer program products for monitoring, identifying and correlating changes to transient event data as a plurality of technology events are processed by a plurality of applications. The proctor module of the system is automatically triggered by addition of event data to transient memory locations associated with the plurality of applications. ... Bank Of America

04/12/18 / #20180101985

System for prediction of future circumstances and generation of real-time interactive virtual reality user experience

Systems provide for a virtual reality experience of a predicted future state based on the occurrence or contemplation of an event. Other systems herein described provide for an augmented reality experience that replaces an object within view with an augmented display of the object based on the predicted future state of the object.. ... Bank Of America

04/12/18 / #20180101901

System for generating user experience for improving efficiencies in computing network functionality by specializing and minimizing icon and alert usage

An entity system comprises a network communication interface and a memory device storing an alert application. A processing device is operatively coupled to the memory device and is configured to execute computer-readable program code to: transmit alerts to a user device in response to alert conditions; monitor responses to the alert from the user device; and alter the visual appearance of the alerts at the user device based on the results of monitoring the responses. ... Bank Of America

04/12/18 / #20180101900

Real-time dynamic graphical representation of resource utilization and management

Embodiments of the present invention provide a system for real-time dynamic graphical representation of resource utilization and/or resource management. The system provides an accessible method to assist the users of an entity to allocate the resources by matching the profile of the end user with a comprehensive set of profiles to determine a subset of profiles. ... Bank Of America

04/12/18 / #20180101854

Leveraging an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommendations

Embodiments leverage an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommend and/or experienced features. Some embodiments access a profile of an end user comprising at least one first characteristic associated with the end user and extract end user information from a database of an entity server; identify a first trend related to resource utilization and/or management implemented by the end user based on the extracted end user information; determine an opportunity based on the identified first trend; in response to determining the opportunity, transmit control signals configured to cause the graphical user interface of the device of the end user to display graphically at least one recommendation based on the determined opportunity to the end user; and receive an input selecting or declining at least one recommendation. ... Bank Of America

04/12/18 / #20180101848

System for managing a virtual private ledger and distributing workflow of authenticated transactions within a blockchain distributed network

Embodiments of the present invention provide a system for expediting validation and authorization of transactions between end points. Embodiments of the invention utilize a private blockchain to control transaction workflow amongst compute nodes, provide automatic authorization of transactions in the workflow, and provide efficient record-keeping functions within the virtual ledgers in an upstream and a downstream application. ... Bank Of America

04/12/18 / #20180101585

Real time event capture and transformation of transient data for an information network

Embodiments of the invention are directed to systems, methods, and computer program products for monitoring, identifying and correlating changes to transient event data as a plurality of technology events are processed by a plurality of applications. The proctor module of the system is automatically triggered by addition of event data to transient memory locations associated with the plurality of applications. ... Bank Of America

04/12/18 / #20180101568

System for transmission and use of aggregated metrics indicative of future customer circumstances

A network communication interface and a memory device storing an anomaly application and a resource application are provided. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine the existence of an anomalous situation for a user; initiate the anomaly application to acquire aggregated metrics from third parties associated with the anomalous situation; and analyze the anomalous situation using the aggregated information. ... Bank Of America

04/12/18 / #20180101562

Metadata validation tool

A metadata validation tool includes a retrieval engine, an extraction engine, a preparation engine a validation engine, and an export engine. The retrieval engine receives a sequential data file comprising a data table, the data table comprising a plurality of rows and a plurality of columns and the data table further comprising a plurality of data entries, wherein each data entry is placed in the data table at the intersection of one of the plurality of rows and one of the plurality of columns. ... Bank Of America

04/05/18 / #20180096019

Cross-platform digital data movement control utility and method of use thereof

A system includes an interface and one or more processors. The interface receives a dataset comprising a plurality of variable length input records, each input record comprising a plurality of fields. ... Bank Of America

03/29/18 / #20180091294

Progressive key rotation for format preserving encryption (fpe)

Aspects of the disclosure provide a technological improvement to a cipher by improving data security of format-preserving encryption (fpe), by, inter alia, embedding specific key identifiers for rotating keys directly into ciphertext. Aspects of the disclosure relate to methods, computer-readable media, and apparatuses for improving data security in a format-preserving encryption (fpe) context by using specific methods of rotating and identifying the appropriate encryption key from among numerous rotating keys stored in a key data store. ... Bank Of America

03/29/18 / #20180089963

Organic light emitting diode ("oled") display with quick service terminal ("qst") functionality

Aspects of the invention relate to an oled bank teller carrel with an integrated qst. The bank teller carrel may include a user-facing counter. ... Bank Of America

03/29/18 / #20180089680

Partially completed resource geographic triggering and remediation system

Embodiments enable a remediation of a processing error by recognizing occurrence of the processing error, identifying one or more triggering events and, in response to the triggering event(s), remediating the processing error. This may be done by re-initiating the partially completed processing action from a partially completed position. ... Bank Of America

03/29/18 / #20180089679

Partially completed resource triggering and completion system

Embodiments enable a remediation of a processing error by recognizing occurrence of the processing error, identifying one or more triggering events and, in response to the triggering event(s), remediating the processing error. This may be done by re-initiating the partially completed processing action from a partially completed position. ... Bank Of America

03/29/18 / #20180089579

Machine learning method and system for predicting file controls

An adaptive machine learning system for predicting file controls includes a memory, an interface, and a processor. The memory stores a plurality of controls for incoming files and the interface receives a first file and a second file. ... Bank Of America

03/29/18 / #20180089455

Control device for aggregation and distribution of machine-initiated resource distribution

Embodiments of the invention are directed to a control device for aggregation of machine-initiated resource distribution. The invention is a control device that links user associated smart devices. ... Bank Of America

03/29/18 / #20180089454

Progressive key rotation for format preserving encryption (fpe)

Aspects of the disclosure provide a technological improvement to a cipher by improving data security of format-preserving encryption (fpe), by, inter alia, embedding specific key identifiers for rotating keys directly into ciphertext. Aspects of the disclosure relate to methods, computer-readable media, and apparatuses for improving data security in a format-preserving encryption (fpe) context by using specific methods of rotating and identifying the appropriate encryption key from among numerous rotating keys stored in a key data store. ... Bank Of America

03/29/18 / #20180089411

Distributed trust as secondary authentication mechanism

A computer system supports secondary authentication mechanism for authentication of a user, where the computer system may provide a variety of services including financial, scientific, academic, or governmental services. The computer system utilizes a multiphase distributed trust model in which the user is authenticated based on distributed trust of a set of randomly selected trusted contacts from a large set of trusted contacts initially chosen during an enrollment phase. ... Bank Of America

03/29/18 / #20180089293

System and method for file management in data structures

A system for file management in data structures is disclosed. The system includes a memory, an extraction engine, an enrichment engine, a portal, and a transmission engine. ... Bank Of America

03/29/18 / #20180089251

System and method for inter-program file control communication

A system for communication between two or more computer programs is disclosed. The system includes a memory, an interface, and a processor. ... Bank Of America

03/29/18 / #20180089185

System and method for data structure migration control

A data structure management system includes a first database, a second database, and a processing engine. The first database includes a first file with a first term and a corresponding first metadata, and a second file with the first term and a corresponding second metadata. ... Bank Of America

03/29/18 / #20180088994

Platform capacity tool

A platform capacity tool includes a retrieval engine, a capacity consumption engine, and a workload projection engine. The retrieval engine receives a request to determine a projected workload of a first process of an application comprising a plurality of processes. ... Bank Of America

03/22/18 / #20180083932

Systems and devices for hardened remote storage of private cryptography keys used for authentication

The invention provides for systems and devices for hardened remote storage of private cryptography keys used for authentication. The storage device is tamper-responsive, such that receipt of a signal that indicates physical or non-physical tampering with the storage device or its components results in deletion of the private cryptography key(s) from the memory. ... Bank Of America

03/22/18 / #20180081910

Database shutdown and restart stability optimizer

A separate, central server operating in a system including one or more database server machines and a graphical user interface displayed on a user's computer is disclosed and provides a technological improvement. In one example, computer-readable instructions are stored in computer memory on this shutdown control server. ... Bank Of America

03/22/18 / #20180081794

Source code validation tool

A source code validation tool includes a source code database monitor, a parser, a file converter, a source code validator, and an alert engine. The source code database monitor detects that a change has occurred to a source code file. ... Bank Of America

03/22/18 / #20180081667

Installation tool

An installation tool includes a memory, a retrieval engine, an extraction engine, a configuration engine, a compiler, and an installer. The memory stores installation parameters of a previous software update for an application. ... Bank Of America

03/15/18 / #20180077221

Interprogram communication with event handling for metric overlays

A web service tagging tool including a memory operable to store logging tags and a web service application. The web service application includes a tagging engine configured to send data content comprising one or more logging tags for a user interface of a user application. ... Bank Of America

03/15/18 / #20180075385

Aggregated entity resource tool

Embodiments of the invention are directed to a system, method, or computer program product for creating a control dashboard for small business interaction. The application may be utilized by a small business and comprise three aggregation components from one or more extraction sources. ... Bank Of America

03/15/18 / #20180075002

Interprogram communication with event handling for online enhancements

A web service tagging tool including a web service application that includes a tagging engine configured to identify one or more hyperlinks on a user interface of a user application, to assign user-defined labels to the one or more hyperlinks on the user interface of the user application, and to send data content comprising the one or more hyperlinks to the user interface of the user application. The web service tagging tool further includes a data collector engine configured to receive data in response to a user selecting one or more hyperlinks from the plurality of hyperlinks on the user interface where the data identifies the selected one or more hyperlinks. ... Bank Of America

03/15/18 / #20180074886

Automated teller machine ("atm") software recovery

Aspects of the disclosure relate to an atm internal self-repair recovery system. The system may be included in software updates transmitted to the atm. ... Bank Of America

03/15/18 / #20180074869

Interprogram communication with event handling for subscription tagging

A web service tagging tool that includes a memory operable to store subscription tags and a web service application. The web service application includes a tagging engine configure to generate a subscription tag linking target data fields, target data location information, and a triggering event. ... Bank Of America

03/08/18 / #20180069854

Encrypted biometric authentication

In an embodiment of the present disclosure, an embodiment includes a user device comprises a conversion engine configured to receive a biometric file comprising biometric identification information of a user and convert the biometric file into a first numeric representation. The user device further comprises a hashing engine configured to create a superimposed numeric representation by performing a convolution operation on the first numeric representation and a second numeric representation, wherein the second numeric representation is based on a key file that is different from the biometric file. ... Bank Of America

03/08/18 / #20180069758

Distributed computing system

Aspects of the present disclosure are directed toward a distributed computing system in which host computing devices host computing services that are only accessible by client computing devices and other computing services associated with a particular computing channel for a line-of-business and in which host computing devices host computing services that are accessible by client computing devices and other computing services across lines of business. The computing services are configured according to a common application interface (api) that provides a modular configuration allowing the computing services to be deployed across multiple computing channels for multiple lines-of-business respectively. ... Bank Of America

03/08/18 / #20180069703

Encrypted biometric registration

In an embodiment of the present disclosure, a biometric identification device comprises a conversion engine configured to receive a key file, receive a biometric file, wherein the biometric file is different from the key file and comprises biometric identification information of a user, convert the key file into a first numeric representation, and convert the biometric file into a second numeric representation. The biometric identification device further comprises a hashing engine configured to create a superimposed numeric representation by performing a convolution operation on the first numeric representation and the second numeric representation, convert the superimposed numeric representation into a hash value, and store the hash value.. ... Bank Of America

03/08/18 / #20180068285

Data transfer between self-service device and server over session or connection in response to capturing sensor data at self-service device

A method, apparatus, computer-readable medium, and/or system may comprise a server having a first processor, a database, and first memory storing computer-executable instructions. The system may comprise a self-service device having a second processor, a plurality of sensors configured to capture images, and second memory storing computer-executable instructions that, when executed by the second processor, cause the self-service device to detect a start of user activity at the self-service device. ... Bank Of America

03/01/18 / #20180063148

Controlling interactions and generating alerts based on iterative fuzzy searches of a database and comparisons of multiple variables

A computing platform may receive, from a web server, entity identification information in different formats, and normalize the entity identification information. After normalizing the information, the computing platform may receive a plurality of interaction records each associated with an interaction between a system and a client of the system. ... Bank Of America

03/01/18 / #20180063133

Preventing unauthorized access to secured information systems by injecting device data collectors

Aspects of the disclosure relate to providing information security and preventing unauthorized access to resources of an information system by injecting device data collectors into pages and/or other interfaces provided by and/or otherwise associated with an information system. A computing platform may intercept a request corresponding to a selection of an interface element included in a modified version of a first page associated with a uniform resource locator. ... Bank Of America

03/01/18 / #20180063132

Preventing unauthorized access to secured information systems by injecting device data collectors

Aspects of the disclosure relate to providing information security and preventing unauthorized access to resources of an information system by injecting device data collectors into pages and/or other interfaces provided by and/or otherwise associated with an information system. A computing platform may intercept a request for a uniform resource locator from a client computing device based on configuration information identifying the uniform resource locator as being protected. ... Bank Of America

03/01/18 / #20180063125

Controlling device operation based on interaction with additional device

Systems and arrangements for modifying the functionality of a computing device are provided. A user may initiate an event at the computing device and may select an option to provide enhanced operations. ... Bank Of America

03/01/18 / #20180063118

Real time digital issuance of resources

Systems and devices are provided for real-time digital issuance/provisioning of digital resources. In accordance with embodiments of the invention, real-time provisioning of the digital resources occurs through access to a mobile application. ... Bank Of America

03/01/18 / #20180060866

Organic light emitting diode ("oled") visual authentication circuit board

A circuit board that includes oled display technology is provided. An oled display may present light patterns recognizable by a hearing or visually impaired users. ... Bank Of America

03/01/18 / #20180060836

Application life-cycle transition record recreation system

Embodiments of the invention are directed to a system, method, or computer program product for utilizing a block chain distributed network for generation of blocks with searchable metadata code embedded therein for recreating a historic record of how a transaction is processed from a client origination to external clearing. The invention provides a process by which a distributed ledger technology is utilized to store complete payment structures and their events across application life-cycles to recreate a historic record of event processing. ... Bank Of America

02/22/18 / #20180054358

System for increasing computing efficiency of communication between applications running on networked machines

Embodiments of the present invention provide a system for increasing computing efficiency of communication between applications running on networked machines through embedded middleware. Embodiments of the invention allow disparate applications to communicate with one another by using middleware that is integrated into the applications themselves, thereby reducing the various types of computing resources required to establish and maintain the communications link, including, but not limited to, processing power, memory space, storage space, cache space, electric power, networking bandwidth, and i/o calls.. ... Bank Of America

02/22/18 / #20180053047

Image-centric, relevance-based database retrieval systems

Methods for providing relevance-based, image centric information is provided. The method may include receiving the image. ... Bank Of America

02/22/18 / #20180052747

System for increasing intra-application processing efficiency by transmitting failed processing work over a processing recovery network for resolution

Embodiments of the present invention provide a system for increasing intra-application efficiency by way of distributed failover. Embodiments of the invention allow data centers within an application to perform error recovery of failed transactions by shifting the processing load to another data center in the network without data redundancy amongst the data centers within the application. ... Bank Of America

02/22/18 / #20180052743

Disaster recovery tool

A disaster recovery tool includes a server monitoring engine, a configuration engine, a security engine, and a runtime engine. The server monitoring engine detects a production server and determines that a disaster recovery server should be created for the production server. ... Bank Of America

02/22/18 / #20180052739

System for increasing inter-application processing efficiency by transmitting failed processing work over a processing recovery network for resolution

Embodiments of the present invention also provide a system for increasing inter-application efficiency by conducting recovery of end-to-end transactions. Embodiments of the invention allow a transaction manager to track the status of a transaction being processed by a plurality of nodes in an array in order to perform error recovery of failed transactions within a node. ... Bank Of America

02/15/18 / #20180048521

Orchestration pipeline for providing and operating segmented computing resources

Aspects of the disclosure are directed to utilizing a computing platform definition to operate an orchestration pipeline for a computing platform conforming to that computing platform definition. The computing platform definition may indicate the devices and the executables to be deployed to the computing platform. ... Bank Of America

02/15/18 / #20180048520

Using computing platform definitions to provide segmented computing platforms in a computing system

Aspects of the disclosure are directed to instantiating and configuring computing platforms at a data center according to a computing platform definition. The computing platform definition may indicate the devices to be deployed for the computing platform, the executables to be deployed for the computing platform, and build dependencies and deployment sequences for the executables. ... Bank Of America

02/15/18 / #20180046453

Application programming interface for providing access to computing platform definitions

Aspects of the disclosure are directed to providing access to the contents of a computing platform definition. A computing platform definition includes entries indicating devices and executables to deploy to a computing platform. ... Bank Of America

02/08/18 / #20180041860

Optimizing use of near field communication (nfc) at nfc-enabled interaction terminals

The invention provides for optimizing near field communications (nfc) at a nfc-enabled interaction terminal configured for conducting user interactions. The invention provides for a user to designate which user credentials are applied to which type of nfc-enabled interaction terminals. ... Bank Of America

02/08/18 / #20180041595

System for monitoring resource activity and alert generation

A resource activity monitoring and alert system comprises a network communication interface and a memory device storing a resource activity monitoring and alert application. A processing device is operatively coupled to the memory device that is configured to execute computer-readable program code to: monitor a user resource activity of a user and determine if a condition applies to the user resource activity; and, upon a determination that the condition applies to the monitored user resource activity, to transmit an alert to the user and a secondary alert to a third party where the third party does not have control over the user resource activity of the user.. ... Bank Of America

02/08/18 / #20180041575

Controlling device data collectors using omni-collection techniques

Aspects of the disclosure relate to controlling device data collectors using omni-collection techniques. A computing platform may receive configuration settings associated with a first collector and a second collector. ... Bank Of America

02/08/18 / #20180041449

Resource assignment system

In response to receiving a request from a user to initiate a new resource pool, a determination of a purpose of the new resource pool is made. The system may receive the purpose of the resource pool from the user and thereafter access user data regarding types of resource pools owned by the user and other users and the allocation of resources therein. ... Bank Of America

02/08/18 / #20180041447

System for resource allocation at time of use and conservation of unused portion

Systems, computer program products, and methods are described herein for resource allocation at time of use and conservation of unused portion across a dispersed internet protocol capable network connecting one or more computing devices connected to the dispersed network. The present invention is configured to provide an resource monitoring application for installation on a computing device associated with a user; retrieve information associated with a resource allocation profile associated with the user; continuously monitor the resource allocation profile of the user; determine one or more unused portions associated with the resource allocation profile based on at least continuously monitoring the resource utilization profile of the user; generate a recommendation alert, wherein the recommendation alert comprises a recommendation to reallocate the one or more unused portions to one or more alternate processes; transmit the generated recommendation alert to the computing device associated with the user.. ... Bank Of America

02/08/18 / #20180041442

Resource assignment system with allocation assist

In response to receiving a request from a user to initiate a new resource pool, a determination of a purpose of the new resource pool is made. The system identifies suggested resource allocations for the new resource pool, as well as suggested modifications for current resource pools of a user, and presents both to the user. ... Bank Of America

02/08/18 / #20180040072

System for analyzing historical events to determine potential catalysts and automatically generating and implementing mitigation

Embodiments analyze historical events to determine potential catalysts and automatically generate and implement mitigation of issues by determining a potential issue with a customer's finances based on historical event data; correlating the potential issue with one or more causes of the potential issue; and, in response to the correlation, initiating mitigation of the issue. In some cases, embodiments rank the possible causes of the potential issue; and present the possible causes to the customer for consideration. ... Bank Of America

02/08/18 / #20180040062

Resource tracking and utilization system

Systems, computer program products, and methods are described herein for resource tracking and utilization. The present invention is configured to extract resource information related to a user from an entity server, extract resource information related to a plurality of users from the entity server, display the information associated with an event to the user, wherein the displayed information is based on the retrieved resource information related to the plurality of users and perform a series of steps based on the information associated with the event.. ... Bank Of America

02/08/18 / #20180040015

System for resource allocation and conservation of unused portion

A resource allocation and conservation system comprises a network communication interface and a memory device storing a resource allocation and conservation application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: receive a user resource data based on a user resource activity from a third party system associated with one of a plurality of independent third parties; and update a user record in the memory device with a user resource based on the user resource data and allocate the resource. ... Bank Of America

02/08/18 / #20180039989

Online transaction efficiency improvement system

Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. ... Bank Of America

02/08/18 / #20180039953

Location disbursement coordination system

Embodiments of the invention are directed to a system, method, or computer program product for location disbursement coordination. The invention generates a database integration with communication linkages for disbursement coordination for travel or relocation. ... Bank Of America

02/08/18 / #20180039952

System for data extraction and generating notifications for user coordination

Embodiments of the invention are directed to a system, method, or computer program product for identifying and generating actionable notifications for user coordination. The invention establishes a communication link to one or more user devices over a distributed network in order to continuously monitor and extract user information such as financial data, device data, calendar data, and social data. ... Bank Of America

02/08/18 / #20180039924

Dynamic credential selection and implementation system

Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. ... Bank Of America

02/08/18 / #20180039791

Intelligent credential selection system

Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. ... Bank Of America

02/08/18 / #20180039764

Authenticating users requesting access to computing resources

Systems and methods are provided for monitoring access of computing resources. Usage rules may be created and stored that define a usage constraint based on actions available to be performed at the computing resources. ... Bank Of America

02/01/18 / #20180034744

System for prediction of resource allocation

The invention provides for identifying an event associated with an entity and determining and/or predicting, for the event, the resources that need to be allocated for the event, the entities ability to perform the event based on the entities current input and output of resources and the entities ability to acquire resources to perform the event. In specific embodiments of the invention, third-party entities are identified for performing the event.. ... Bank Of America

02/01/18 / #20180034743

System for distribution of unused or underused resources

The invention implements a distributed computing network to identify or detect resources that are being unused and/or underused and, in response to such identification, reallocating the resources. In this regard, reallocation may provide for aggregating and/or converting the resources to another resource or transferring the resource to another entity, which may include converting the resource to another resource prior to transfer.. ... Bank Of America

02/01/18 / #20180034700

Hierarchical clustering

In one embodiment, a method includes receiving first network usage data for user devices indicating activity by the user devices on webpages, determining first-level cluster centroids based on the first network usage data, and assigning each user device to at least one first-level cluster centroid. The method also includes determining second-level cluster centroids based on the first network usage data for user devices assigned to a particular first-level cluster centroid, and assigning each user device previously assigned to the particular first-level cluster centroid to at least one second-level cluster centroid. ... Bank Of America

02/01/18 / #20180032584

Hierarchical clustering

In one embodiment, a method includes receiving data points, determining first-level cluster centroids using the data points, and assigning each data point to at least one first-level cluster centroid. The method also includes determining second-level cluster centroids using data points assigned to a particular first-level cluster centroid and assigning each of the data points previously assigned to the particular first-level cluster centroid to at least one second-level cluster centroid. ... Bank Of America

02/01/18 / #20180032555

Object database system including an object-specific historical attribute-change information system

An object database system is provided. The system may include a plurality of objects. ... Bank Of America

02/01/18 / #20180032554

System for identifying anomalies by automatically generating and analyzing a structure

Embodiments of the invention are directed to a system, method, or computer program product for analyzing a data model and identifying anomalies within the data model. Data stored in a database is transformed into a data model by the invention, wherein the invention analyzes the data and generates relationships between tables and information contained within to generate the model. ... Bank Of America

02/01/18 / #20180032533

Tool for mining chat sessions

A method comprises counting, in a transcript of a chat session between a first user and a second user, for each theme of a plurality of themes, a number of occurrences of each keyword of a plurality of keywords assigned to a theme of a plurality of themes. The method further comprising identifying one or more themes of the chat session based on the number of occurrences of each keyword, counting the number of occurrences of a word of a first set of words and a word of a second set of words in the transcript, and assigning the transcript into a first group or a second group based on the one or more identified themes and the number of occurrences of first words and second words.. ... Bank Of America

01/25/18 / #20180026970

Preventing unauthorized access to secured information systems using multi-device authentication techniques

A computing platform may receive, from a client portal server, a request to authenticate a user to a user account associated with a client portal. Based on identifying an activity associated with the request, the computing platform may select a multi-device authentication method for authenticating the user. ... Bank Of America

01/25/18 / #20180026960

Preventing unauthorized access to secured information systems using tokenized authentication techniques

A computing platform may receive, from a client portal server, a request to authenticate a user to a user account associated with a client portal provided by the client portal server. Based on receiving the request to authenticate, the computing platform may send, to a social messaging server, an authentication token request message. ... Bank Of America

01/25/18 / #20180026959

Preventing unauthorized access to secured information systems using tokenized authentication techniques

A computing platform may receive, from a social messaging server, a request to authenticate a user to a user account associated with a client portal. In response to receiving the request, the computing platform may send, to the social messaging server, an authentication token request message. ... Bank Of America

01/25/18 / #20180025419

Auction security tool

An apparatus includes a code generator and a broadcaster. The code generator receives a first request from a first user and receives a second request from a second user. ... Bank Of America

01/18/18 / #20180020348

System for authenticating a user and enabling real-time approval notifications

Embodiments authenticate a user and an associate of an entity and enable real-time approval notifications by requesting one or more authentication credentials from the associate; authenticating the associate based on successful validation of the one or more authentication credentials received from the associate; populating an application for the user at least in part by receiving input from the associate; establishing a secure wireless communication channel with a user device; and wirelessly transmitting, from the system to the user device and over the secure wireless communication channel the populated application; instructions to cause the user device to authenticate the user based on successful validation of one or more user authentication credentials; and instructions to cause the user device, in response to authenticating the user, present the populated application to the user for verification of its accuracy.. . ... Bank Of America

01/11/18 / #20180012295

Oled-based secure monitoring of valuables

A method for enhancing security of a receptacle for valuables may be provided. The method may include placing currency in the receptacle. ... Bank Of America

01/11/18 / #20180012207

Multi-screen automated teller machine (atm)/automated teller assist (ata) machines for use by wheelchair users

An automated teller machine (atm) including multiple user screens is provided. The atm preferably includes an atm processor, an atm user information input device and/or an atm receiver, a customer-facing atm touch screen configured to display an initial atm display, an atm dispenser configured to dispense a cash withdrawal amount in the event that an atm central processing unit (cpu) receives information relating to a selection of the cash withdrawal amount. ... Bank Of America

01/11/18 / #20180011740

Computing resource inventory system

Systems and methods of managing computing resources of a computing system are described. A computing resource list and computing resource information may be stored at a data store. ... Bank Of America

01/04/18 / #20180006899

Dynamic replacement and upgrade of existing resources based on resource utilization

Performance data received from interrelated communication devices is analyzed to determine the current operating state of the device and based on the current operating state a variable associated with replacing the device is determined which is implemented in the determination of a dynamic user-specific replacement schedule for the interrelated communication devices.. . ... Bank Of America

01/04/18 / #20180005234

Generating and dynamically modifying user interface elements

Systems and arrangements for evaluating and decisioning refund requests and monitoring of overrides of refund decisions are presented. In response to receiving a request for a refund, the system may identify one or more sources of data from which to extract data to determine a decision regarding the request for refund. ... Bank Of America

01/04/18 / #20180005205

Routing an image within a network

In certain embodiments, a system for routing an image file in a network comprises primary network resources, secondary network resources, and an image routing processor configured to receive the image file from a user device via the primary network resources, create an association in real-time between the image file and an image address that facilitates retrieving the image file from a repository of a financial institution, communicate a message enabling the user device to use the image address to immediately retrieve the image file stored in the repository of the financial institution, receive a user request to retrieve the image file associated with the image address, use the image address to retrieve the image file from the repository of the financial institution, and route the image file prior to the secondary network resources posting a financial transaction based on a financial instrument depicted in the image file.. . ... Bank Of America

12/28/17 / #20170374583

Predictive analytics for resource development based on information communicated from inter-related communication devices

Disclosed are systems for predictive analysis of data received from inter-related communication devices within a distributed communication network (e.g., internet-of-things (iot)), which have been determined to be associated with an entity. The predictive analysis resulting in a determination of future resource needs. ... Bank Of America

12/28/17 / #20170374092

System for monitoring and addressing events based on triplet metric analysis

Embodiments of the present invention provide a system for monitoring and addressing events based on triplet metric analysis. In some embodiments, the system transmits control signals to cause a vendor database system to continuously monitor a vendor database for a new data input and, in response to identifying the new data input, automatically transmits the new data input back to the system. ... Bank Of America

12/28/17 / #20170372279

Predictive determination and processing of resources over a distributed network

Embodiments of the present invention provide for improving the capacity, speed, confidence, and efficiency of processing systems for processing resources instruments by utilizing predictive determination of resource instrument information from one or more resource instruments. As such, while processing resource instruments, instead of capturing all of the resource instrument information from the resource instruments, the present invention utilizes predictive determination of the resource instrument information in order to reduce the processing capacity needed, the processing run-times, processing errors, and unnecessary processing depending on the resource instruments and/or resource processing channels being used.. ... Bank Of America

12/28/17 / #20170372090

Reversible redaction and tokenization computing system

A computing system for redacting and/or tokenizing non-public information of electronic documents obtained from monitored communications includes a data redaction computing device and/or a data tokenization computing device, a communications network, and a database storing computer executable instructions for analyzing information associated with a plurality of electronic documents stored communicated via the computing network. The computer executable instructions may cause the data redaction/tokenization computing device to identify non-public information in one or more of the plurality of electronic documents and/or at least one of a document type, a source of the electronic document, and a destination to which the electronic document is to be communicated. ... Bank Of America

12/21/17 / #20170366540

Preventing unauthorized access to secured information systems using multi-device authentication techniques

A computing platform may receive, from a client portal server, a request to authenticate a user to a user account associated with a client portal provided by the client portal server, as well as device selection input selecting a first registered device and a second registered device to receive one-time passcodes. The computing platform may generate a first one-time passcode for the first registered device and a second one-time passcode for the second registered device, and may send the first one-time passcode to the first registered device and the second one-time passcode to the second registered device. ... Bank Of America

12/21/17 / #20170366422

System for aggregated machine-initiated resource distribution

Embodiments of the invention are directed to a system, method, or computer program product for aggregation of machine-initiated resource distribution. The invention generates a smart device portal for linkage of user associated smart devices. ... Bank Of America

12/21/17 / #20170366394

Computerized resource reallocation system for transferring resource blocks based on custodian event

Disclosed is a resource reallocation system. The system typically includes a processor, a memory, and a resource reallocation module stored in the memory. ... Bank Of America

12/21/17 / #20170365134

Devices and systems for detecting unauthorized communication of data from a magnetic stripe device or embedded smart chip device

Disclosed are devices, systems and the like for determining unauthorized communication of data from a card device equipped with a magnetic stripe and/or smart chip. The card device is able to count by recording the number of instances in which the card device has either been swiped at a magnetic card reader or communicated data via an embedded integrated circuit (ic). ... Bank Of America

12/21/17 / #20170364997

Oled ("organic light emitting diode") teller windows

A four-plane, two-sided oled teller window is provided. The teller window may include a first oled plane, a second oled plane, a third oled plane, a fourth oled plane, a first configurably-opaque layer and a second configurably-opaque layer. ... Bank Of America

12/21/17 / #20170364893

System for data rotation through tokenization

Embodiments rotate data by tokenization. Embodiments determine one or more check data fields of a check such as check number and routing number; generate a pin based on the determined check data fields; receive user input of a user pin; compare the generated pin with the inputted user pin; if the generated pin matches the inputted user pin, proceed with the transaction; and if the generated pin does not match the inputted user pin, cancel the transaction. ... Bank Of America

12/21/17 / #20170364871

System for identifying resource issues and managing a network of resources

Systems, computer program products, and methods are described herein for resource manager entity device security and maintenance. The present invention is configured to identify an issue with a resource and notify all other resources across the entity and customers of the entity that the resource is experiencing an issue; determine that an account is involved in a counterfeit activity and notify all other resources across the entity to deny further activity associated with the account; determine that the first resource is experiencing an issue and send fixes to the first resource and all other resources located within a predetermined distance from the first resource.. ... Bank Of America

12/21/17 / #20170364842

System for resource use allocation and distribution

Embodiments of the invention are directed to a system, method, or computer program product for appropriate resource allocation via generated communication channel within and for the utilization of a shared use service. The system may be associated with or affixed to a shared use service object, generating a communication field within or directly around the shared use service object. ... Bank Of America

12/21/17 / #20170364813

System for automatic responses to predicted tail event outcomes

Embodiments of the present invention provide a system for a managing entity to automatically provide alerts based on tail event analysis. The system may receive input data in real time from vendor data feeds, social media data feeds, and a tail event ledger. ... Bank Of America

12/21/17 / #20170364788

Organic light emitting diode ("oled") universal plastic

Aspects of the invention relate to a smart card that includes an oled display. The smart card may store data associated with multiple purchasing instruments and utilize the oled display to present sensitive data associated with a user selected purchasing instrument. ... Bank Of America

12/21/17 / #20170364548

System for monitoring data points within a data record to validate association between the data points and an entity associated with the data record

Automated validation monitoring of data points within a data record to insure that data points in a data record are currently valid. Specifically, embodiments of the invention provide for continuously and/or periodically monitoring or checking the validation of the association between the data point and a related entity. ... Bank Of America

12/21/17 / #20170364547

System for automated validation of data points within a data record

Disclosed are systems and the like that provide automated validation of data points within a data record. Specifically, validation the correctness/existence of a data point, as well as, the association between the data point and a related entity. ... Bank Of America

12/21/17 / #20170364406

Security patch tool

A security patch tool includes a retrieval engine, a parser, and a reporting engine. The retrieval engine retrieves, from a first database, a log indicating a plurality of patches that have been applied and whether each patch of the plurality of patches was applied successfully. ... Bank Of America

12/21/17 / #20170364222

System for internetworked monitoring and communication triggering

Systems, computer program products, and methods are described herein for inter-networked monitoring and communication triggering across a dispersed internet protocol capable network connecting one or more smart devices connected to the dispersed network. The present invention is configured to provide an alert triggering application for installation on the one or more smart devices associated with a user; receive an indication of a user action executed using at least one of the one or more smart devices; detect an incidence of a trigger event based on at least receiving the indication of the user action executed using at least one of the one or more smart devices; establish a communication link with each of the one or more smart devices based on at least detecting the incidence of the trigger event; display, via the alert triggering application, an alert indicating the occurrence of the trigger event.. ... Bank Of America

12/14/17 / #20170359740

System for tracking resource allocation/usage

Systems, computer program products, and methods are described herein for tracking resource allocation/usage across a dispersed internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive, from a first user computing device, a first user request for authorization to access at least one of the one or more computing devices; initiate the augmented reality application for display on the at least one of the one or more computing devices; reconfigure, via the augmented reality application, a display device associated with the first user computing device to emulate a content displayed on a display device associated with at least one of the one or more computing devices on the display device of the first user computing device; retrieve, using the first user computing device, information from the content; process, using the first computing device, the retrieved information; and display the processed information.. ... Bank Of America

12/14/17 / #20170359408

Resource allocation and transfer utilizing holds and a distributed network

Embodiments of the present invention provide utilizing a distributed network of systems for allocating and transferring resources between entities (e.g., users, institutions, or the like) by providing holds (e.g., soft or hard) on the resources, allocating the resources, and transferring the resources by utilizing allocation identifiers and/or holding pools, if needed. The use of allocation identifiers and/or holds on the resources improves upon the processing speeds and power of systems used for the resource transfers between entities.. ... Bank Of America

12/14/17 / #20170359367

System for determining effectiveness and allocation of information security technologies

Disclosed is a computerized system for determining the collective effectiveness of information security technologies. The system typically includes a processor, a memory, and an information security analysis module stored in the memory. ... Bank Of America

12/14/17 / #20170359351

System for creation of alternative path to resource acquisition

Systems, computer program products, and methods are described herein for access to a resource across a dispersed internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to access a resource; display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile; receive a user acknowledgement to establish the authorization profile; determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile; and display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile.. ... Bank Of America

12/14/17 / #20170359336

Preventing unauthorized access to secured information systems based on contextual login information

A computing platform may receive, from a client server, a request to authenticate a user to a user account, as well as device selection input selecting a registered device to receive a one-time passcode. The computing platform may evaluate the device selection input based on contextual login information associated with the user account, determine that the registered device selected to receive the one-time passcode is out of context, and execute a security procedure. ... Bank Of America

12/14/17 / #20170359328

System for assessing network authentication requirements based on situational instance

Embodiments of the invention are directed to a system, method, or computer program product for assessing network authentication requirements based on situational instance. In this regard, the invention dynamically determines specific user authentication requirements for accessing a service or executing an activity based on the determining the user's network connections, geographic location, and applications, in real-time. ... Bank Of America

12/14/17 / #20170359325

Magnetic strip modification

Systems and arrangements for providing secure event processing by modifying a magnetic strip, chip, or the like, on a device are provided. In some examples, a device may include a magnetic strip that may be encoded with a first identifier. ... Bank Of America

12/14/17 / #20170359245

System for predictive usage of resources

Systems, computer program products, and methods are described herein for predictive usage of resources across a dispersed internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine resource utilization profile associated with a user; continuously monitor the resource utilization profile of the user to track the use of the one or more resources allocated to the user over a predetermine period of time; determine one or more elevated usage instances; predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur; determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances; and reallocate the one or more determined resources to the user.. ... Bank Of America

12/14/17 / #20170359230

System for predictive acquisition and use of resources

Systems, computer program products, and methods are described herein for predictive acquisition and use of resources across a dispersed internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to initiate a change associated with a resource utilization profile of the user; initiate a first user interface, wherein the first user interface comprises one or more resources associated with the resource utilization profile; receive a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change; monitor the one or more resources for a predetermined amount of time since the initiation of the change; determine a utilization trend; dynamically generate a graphical representation of the utilization trend; and display the graphical representation of the utilization trend to the user.. ... Bank Of America

12/14/17 / #20170359229

System for predictive use of resources

Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.. ... Bank Of America

12/14/17 / #20170358179

Banking systems controlled by data bearing records

A cash handling device having at least one processor, a communication interface, an item accepting device, an item dispensing device, an internal currency scanning system, an internal currency transport system, one or more currency storage cartridges, and a memory may receive, from a user, a request to perform a deposit transaction. Based on receiving the request to perform the deposit transaction, the cash handling device may receive at least one deposit item for deposit. ... Bank Of America

12/14/17 / #20170357979

Organic light emitting diode ("oled") security authentication system

Aspects of the invention relate to a smart card that leverages emerging technology hardware to enhance secure release of sensitive data associated with the smart card. The smart card may include an oled display. ... Bank Of America

12/07/17 / #20170352223

Banking systems controlled by data bearing records

A computing platform may receive, from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records. Subsequently, the computing platform may identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records. ... Bank Of America

11/30/17 / #20170346823

Network of trusted users

A system may include at least one server having a processor and a communication interface communicatively coupled to an internet connection and a non-transitory memory device storing instructions that cause the system to retrieve, from a data repository, user information corresponding to a user of products and/or services of a business entity, identify by, at least one a social network identification of the user, and match the user to a plurality of individuals based on the user information. The system may the plurality of social network communications associated with the social network identification of the user using rules provided by the rules engine server, and generate, by the sourcing engine server, based on the analyzed social network communications, a trigger condition based on predetermined criteria stored in a database and in response to the trigger condition, solicit, via a secure network, input from the matched individuals corresponding to the trigger condition.. ... Bank Of America

11/30/17 / #20170346822

System for detection and identification of electronic devices and allocation of proxy identifiers for same

Embodiments are directed to detection and identification of electronic devices and allocation of proxy identifiers for the same. Embodiments detect one or more electronic devices within a wireless network range; identify the one or more electronic devices within the wireless network range, comprising matching the one or more electronic devices with one or more entries in a database of users; determine that the one or more electronic devices has stored thereon one or more credentials; access the one or more credentials; allocate proxy identifiers corresponding to the one or more credentials; and initiate storage of the allocated proxy identifiers on the one or more electronic devices.. ... Bank Of America

11/30/17 / #20170346757

System for resource usage monitoring

A system for monitoring the use of resources by a user includes a mobile device, a resource usage monitoring device, a message display system, and a third party system, each have communication interfaces, memory devices, and processing devices. The system is designed to detect the presence of a user within a physical location where resources may be accessed and determine a time-efficient set of resource allocations that the user may engage in while located in a particular physical location. ... Bank Of America

11/30/17 / #20170346756

Communication system for resource usage monitoring

A system for accessing resources and monitoring the use of resources by a user includes a mobile device, a resource access communication device, an optional secondary communication system, and a third party system, each of which have communication interfaces, memory devices, and processing devices. The system is designed to detect audible, visible, and/or written input from a user and effectuate responses to requests contained in such input. ... Bank Of America

11/30/17 / #20170346711

System for monitoring resource utilization and resource optimization

A system for monitoring resource utilization and optimization includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of a resource application and/or a physical transaction related to the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application to transmit information about the resource application to a user device.. ... Bank Of America

11/30/17 / #20170346710

System for monitoring resource utilization and electronic validation

A system for monitoring resource utilization and electronic validation includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application; and transmit an electronic validation that a transaction executed by the resource application is complete.. ... Bank Of America








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