公开(公告)号：US10320662B1

公开(公告)日：2019-06-11

申请号：US15816798

申请日：2017-11-17

Applicant: BANK OF AMERICA CORPORATION

Inventor： Anand Ahuja ,  Alfred James Reed ,  Joe Nathan Lamar, III ,  Ayeesha Sachedina

IPC: G06F15/173 ,  H04L12/717 ,  H04L12/911 ,  H04L29/06 ,  H04L12/66 ,  H04L29/08

Abstract: The centralized resource routing and distribution improves upon the routing of interactions and distribution of resources for interactions between users and operator entities. A centralized gateway is provided through which interactions may be routed and resources distributed using one or more substitute interfaces. The one or more substitute interfaces may mimic interfaces of the operator, or otherwise provide a universal interface for use of multiple resource pools for the interactions. Use of the gateway and substitute interfaces increases processing capacity, reduces memory requirements, and/or improves processing time for both the operator entities and the organization entities since it provides for centralized routing and distribution for multiple operator entities without the operator entities having to store and/or process user information or the interactions associated therewith.