Granted Patent B2

US 12,430,175 · App. 17/672,795 · Granted Sep 30, 2025

Inventors: Heather Roseann Dolan (Sarasota, FL); Kathleen Hanko Trombley (Oakboro, NC)

Assignee: BANK OF AMERICA CORPORATION

G06F9/5027

Abstract

Claims (79)

1. A system for electronically augmenting resource distribution commands and facilitating transfer of resources, the system comprising:

at least one non-transitory storage device; and

at least one processing device coupled to the at least one non-transitory storage device, wherein the at least one processing device is configured to:

train, using data associated with historical resource distributions, data associated with user input for providing commands to perform the historical resource distributions, and data associated with outcomes of the historical resource distributions over a predetermined past period of time, a machine learning model to receive user inputs and output other inputs to other input fields for providing commands to perform resource distributions;

display, via a user device and to a user, a graphical user interface comprising input fields for providing commands to perform a resource distribution, wherein the commands comprise an amount of resources to be distributed from a source retainer associated with the user to another source retainer when performing the resource distribution;

receive, from the user and via the graphical user interface displayed via the user device, a single user input at the graphical user interface, wherein the single user input comprises an image input to an input field of the graphical user interface;

in response to receiving the single user input, automatically identify, using the machine learning model and by providing the single user input to the machine learning model, inputs corresponding to each of the input fields;

in response to receiving the single user input, display, via the graphical user interface displayed via the user device and in each input field of the input fields, an input, of the inputs, corresponding to the input field to complete the commands;

receive, from the user and via the graphical user interface displayed via the user device, a confirmation input confirming the completed commands; and

in response to receiving the confirmation input, perform the resource distribution by distributing the amount of the resources from the source retainer associated with the user to the other source retainer.

2. The system of claim 1 , wherein the at least one processing device is configured to:

before displaying the graphical user interface, prompt, via the user device, the user to provide authentication credentials;

receive, via the user device, the authentication credentials;

determine, using the authentication credentials, whether the user has authority to provide commands to perform resource distributions from the source retainer; and

when displaying the graphical user interface, only display the graphical user interface after determining that the user has the authority to provide commands to perform resource distributions from the source retainer.

3. The system of claim 1 , wherein the input field is a text field, and wherein the image comprises at least one of an image, symbol, or icon used in electronic communication to at least one of express an emotional attitude, convey information succinctly, or communicate a message without using words.

4. The system of claim 1 , wherein the input fields comprise:

an amount field for the amount of resources to be distributed;

a source retainer field for the source retainer; and

a recipient field for a recipient of the resource distribution.

5. The system of claim 1 , wherein:

the input fields comprise an order field for identifying at least one of goods or services; and

the at least one processing device is configured to:

when automatically identifying the inputs corresponding to each of the input fields, automatically identify information identifying at least one of goods or services previously ordered by the user during a historical interaction associated with the single user input; and

when displaying, via the graphical user interface and in each input field of the input fields, the input, of the inputs, corresponding to the input field to complete the commands, display, in the order field, the information identifying the at least one of goods or services previously ordered by the user during the historical interaction associated with the single user input.

6. The system of claim 1 , wherein the input fields comprise a recipient field for a recipient of the resource distribution, and wherein the at least one processing device is configured to:

when automatically identifying inputs corresponding to each of the input fields, automatically identify, based on the historical resource distribution data associated with the user, recipients of previous resource distributions associated with the single user input;

determine, based on the historical resource distribution data associated with the user and for each recipient of the recipients, likelihoods of the user selecting the recipients for the resource distribution; and

when displaying, via the graphical user interface and in each input field of the input fields, the input, of the inputs, corresponding to the input field to complete the commands, display, in the recipient field, a drop-down menu listing the recipients in an order based on the likelihoods of the user selecting the recipients for the resource distribution.

7. The system of claim 6 , wherein the at least one processing device is configured to, when determining the likelihoods of the user selecting the recipients for the resource distribution, provide the single user input to a machine learning model trained using the historical resource distribution data associated with the user to determine the likelihoods of the user selecting the recipients for the resource distribution.

8. The system of claim 1 , wherein the at least one processing device is configured to, before displaying the graphical user interface and during another interaction with the user:

display, via the user device and to the user, the graphical user interface comprising the input fields;

receive, from the user and via the graphical user interface displayed via the user device, the inputs corresponding to each of the input fields; and

after receiving the inputs, receive, from the user and via the graphical user interface displayed via the user device, an input command to associate the inputs with the single user input.

9. The system of claim 8 , wherein the input field is a text field, and wherein the image comprises at least one of an image, symbol, or icon used in electronic communication to at least one of express an emotional attitude, convey information succinctly, or communicate a message without using words.

10. The system of claim 8 , wherein the single user input comprises a selection of a link in the graphical user interface.

11. A computer program product for electronically augmenting resource distribution commands and facilitating transfer of resources, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:

train, using data associated with historical resource distributions, data associated with user input for providing commands to perform the historical resource distributions, and data associated with outcomes of the historical resource distributions over a predetermined past period of time, a machine learning model to receive user inputs and output other inputs to other input fields for providing commands to perform resource distributions;

display, via a user device and to a user, a graphical user interface comprising input fields for providing commands to perform a resource distribution, wherein the commands comprise an amount of resources to be distributed from a source retainer associated with the user to another source retainer when performing the resource distribution;

receive, from the user and via the graphical user interface displayed via the user device, a single user input at the graphical user interface, wherein the single user input comprises an image input to an input field of the graphical user interface;

in response to receiving the single user input, automatically identify, using the machine learning model and by providing the single user input to the machine learning model, inputs corresponding to each of the input fields;

in response to receiving the single user input, display, via the graphical user interface displayed via the user device and in each input field of the input fields, an input, of the inputs, corresponding to the input field to complete the commands;

receive, from the user and via the graphical user interface displayed via the user device, a confirmation input confirming the completed commands; and

in response to receiving the confirmation input, perform the resource distribution by distributing the amount of the resources from the source retainer associated with the user to the other source retainer.

12. The computer program product of claim 11 , wherein the non-transitory computer-readable medium comprises code causing the first apparatus to:

before displaying the graphical user interface, prompt, via the user device, the user to provide authentication credentials;

receive, via the user device, the authentication credentials;

determine, using the authentication credentials, whether the user has authority to provide commands to perform resource distributions from the source retainer; and

when displaying the graphical user interface, only display the graphical user interface after determining that the user has the authority to provide commands to perform resource distributions from the source retainer.

13. The computer program product of claim 11 , wherein the input field is a text field, and wherein the image comprises at least one of an image, symbol, or icon used in electronic communication to at least one of express an emotional attitude, convey information succinctly, or communicate a message without using words.

14. The computer program product of claim 11 , wherein the input fields comprise:

an amount field for the amount of resources to be distributed;

a source retainer field for the source retainer; and

a recipient field for a recipient of the resource distribution.

15. A method for electronically augmenting resource distribution commands and facilitating transfer of resources, the method comprising:

training, using data associated with historical resource distributions, data associated with user input for providing commands to perform the historical resource distributions, and data associated with outcomes of the historical resource distributions over a predetermined past period of time, a machine learning model to receive user inputs and output other inputs to other input fields for providing commands to perform resource distributions;

displaying, via a user device and to a user, a graphical user interface comprising input fields for providing commands to perform a resource distribution, wherein the commands comprise an amount of resources to be distributed from a source retainer associated with the user to another source retainer when performing the resource distribution;

receiving, from the user and via the graphical user interface displayed via the user device, a single user input at the graphical user interface, wherein the single user input comprises an image input to an input field of the graphical user interface;

in response to receiving the single user input, automatically identifying, using the machine learning model and by providing the single user input to the machine learning model, inputs corresponding to each of the input fields;

in response to receiving the single user input, displaying, via the graphical user interface displayed via the user device and in each input field of the input fields, an input, of the inputs, corresponding to the input field to complete the commands;

receiving, from the user and via the graphical user interface displayed via the user device, a confirmation input confirming the completed commands; and

in response to receiving the confirmation input, performing the resource distribution by distributing the amount of the resources from the source retainer associated with the user to the other source retainer.

16. The method of claim 15 comprising:

before displaying the graphical user interface, prompting, via the user device, the user to provide authentication credentials;

receiving, via the user device, the authentication credentials;

determining, using the authentication credentials, whether the user has authority to provide commands to perform resource distributions from the source retainer; and

when displaying the graphical user interface, only displaying the graphical user interface after determining that the user has the authority to provide commands to perform resource distributions from the source retainer.

17. The method of claim 15 , wherein the input field is a text field, and wherein the image comprises at least one of an image, symbol, or icon used in electronic communication to at least one of express an emotional attitude, convey information succinctly, or communicate a message without using words.

18. The method of claim 15 , wherein the input fields comprise:

an amount field for the amount of resources to be distributed;

a source retainer field for the source retainer; and

a recipient field for a recipient of the resource distribution.

19. The method of claim 15 , wherein the input fields comprise an order field for identifying at least one of goods or services, and wherein the method comprises:

when automatically identifying the inputs corresponding to each of the input fields, automatically identifying information identifying at least one of goods or services previously ordered by the user during a historical interaction associated with the single user input; and

when displaying, via the graphical user interface and in each input field of the input fields, the input, of the inputs, corresponding to the input field to complete the commands, displaying, in the order field, the information identifying the at least one of goods or services previously ordered by the user during the historical interaction associated with the single user input.

20. The method of claim 15 , wherein the input fields comprise a recipient field for a recipient of the resource distribution, and wherein the method comprises:

when automatically identifying inputs corresponding to each of the input fields, automatically identifying, based on the historical resource distribution data associated with the user, recipients of previous resource distributions associated with the single user input;

determining, based on the historical resource distribution data associated with the user and for each recipient of the recipients, likelihoods of the user selecting the recipients for the resource distribution; and

when displaying, via the graphical user interface and in each input field of the input fields, the input, of the inputs, corresponding to the input field to complete the commands, displaying, in the recipient field, a drop-down menu listing the recipients in an order based on the likelihoods of the user selecting the recipients for the resource distribution.

Assignments (1)

Continuity (1)

References Cited (24)