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    SYSTEM FOR OBLIGATION EXTRACTION AND POPULATION WITH REAL-TIME PRE-ENDORSEMENT MATRIX
    6.
    发明申请
    SYSTEM FOR OBLIGATION EXTRACTION AND POPULATION WITH REAL-TIME PRE-ENDORSEMENT MATRIX 有权

    公开(公告)号：US20230070674A1

    公开(公告)日：2023-03-09

    申请号：US17466152

    申请日：2021-09-03

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Robertson Walters Greenbacker ,  Justin Riley duPont ,  Waldemar Zygmunt Mlynarski, JR.

    IPC: G06Q20/38 ,  G06Q20/24 ,  G06Q20/40 ,  G06N20/00

    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a pre-endorsement decisioning matrix for adapted delayed trigger resource distribution programs. The invention utilizes machine learning to perform real-time obligation extraction and population with respect to adapted delayed trigger resource distribution programs. The matrix performs two functions with respect to adapted delayed trigger resource distributions. First, the system performs a right of real-time modification of an adapted delayed trigger resource distribution occurring between a user and product producer. Second, the system performs a right to extend product opportunities to a user bases on user historic adapted delayed trigger resource distribution obligation satisfaction.

    SYSTEM FOR RECURRING AUXILIARY RESOURCE DISTRIBUTION
    7.
    发明申请
    SYSTEM FOR RECURRING AUXILIARY RESOURCE DISTRIBUTION 有权

    公开(公告)号：US20220020046A1

    公开(公告)日：2022-01-20

    申请号：US16933280

    申请日：2020-07-20

    Applicant: Bank of America Corporation

    Inventor： Charles Jason Burrell ,  Justin Riley duPont ,  Michael Robert Hasslinger ,  John Allen Sellers ,  Tony England ,  Christina Ann Lillie

    IPC: G06Q30/02 ,  G06Q20/36 ,  G06Q20/10

    Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

    AUXILIARY RESOURCE EXCHANGE PLATFORM FOR POOLING RESOURCES USING A REAL TIME EXCHANGE NETWORK
    8.
    发明申请
    AUXILIARY RESOURCE EXCHANGE PLATFORM FOR POOLING RESOURCES USING A REAL TIME EXCHANGE NETWORK 有权

    公开(公告)号：US20220019484A1

    公开(公告)日：2022-01-20

    申请号：US16933685

    申请日：2020-07-20

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Justin Riley duPont ,  Charles Jason Burrell ,  Tony England ,  Michael Robert Hasslinger ,  Christina Ann Lillie ,  John Allen Sellers

    IPC: G06F9/50 ,  H04L29/08

    Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The real-time interaction processing further allows for the creation and use of a collective resource pool to which multiple entities are allowed to contribute resources and/or supplemental resources. Each of the entities contributing resources or supplemental resources to the collective resource pool have transparency into the entities contributing to the collective resource pool, the supplemental resources and/or other resources contributed, and confirmation that the actual interaction for which the collective resource pool is being utilized was completed.

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