Granted Patent B2

US 12,646,094 · App. 18/905,103 · Granted Jun 2, 2026

Inventors: Meredith McIntosh Majusiak (Avondale, PA); Keelyn Griffin (Newark, DE); Brian J. Kehner (Wilmington, DE)

Assignee: BANK OF AMERICA CORPORATION

G06Q30/0282G06Q10/0637G06Q30/018G06Q30/0201

Abstract

Claims (40)

1 . A system for providing a digital onboarding using multi-channel cognitive resource applications, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the computer-readable program code is configured, when executed, to cause the processing device to:

generate a digital onboarding platform and link the digital onboarding platform to the multi-channel cognitive resource application;

onboard the user to the digital onboarding platform for processing product onboarding, wherein onboarding the user further comprises using an artificial intelligence engine to process user onboard attributes for use in providing product adjustments and comparisons;

push stage processing of onboarding of product to the user via the multi-channel cognitive resource application, including information for display the multi-channel cognitive resource application on the user device, wherein pushing stage processing comprises dynamically integrating, within a central user interface of the multi-channel cognitive resource application executing on the user device, one or more interface portions and interactive elements extracted from one or more resource entity applications stored on the user device, without requiring opening and closing of the one or more resource entity applications, by (i) loading only required portions of each resource entity application into a cache memory location in sequence based on a determined progression of onboarding activity events, and (ii) unloading each resource entity application from memory after completion of its associated activity event;

identify user program needs during onboarding and push products at appropriate times associated with user program needs, wherein pushing the products at the appropriate times associated with the user program needs comprises applying logic to user onboarding and identifying products for user requirements;

identify user activity and communications as being related to onboarding, and trigger the multi-channel cognitive resource application access of the user activity, wherein the multi-channel cognitive resource application provides information about the user activity relative to onboarding;

analyze the identified user activity and communications to identify products ancillary to the pushed products and provide information regarding the products ancillary to the pushed products to the user device; and

provide a link to the user device, wherein upon a condition where the user interacts with the link, a contact is integrated into the user device associated with the user for direct communication for onboarding.

2 . The system of claim 1 , wherein the computer-readable program code is further configured, when executed, to cause the processing device to automatically transfer user items to new products, wherein the transferring user items includes automatic deposit accounts and utility information.

3 . The system of claim 2 , wherein the transferring user items expedites the push stage processing of the onboarding of the product to the user.

4 . The system of claim 1 , wherein the user is an entity selling products or services.

5 . The system of claim 4 , wherein the user onboard attributes processed by the artificial intelligence engine comprises a type of business of the entity.

6 . A computer program product for providing a digital onboarding using multi-channel cognitive resource applications, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for generating a digital onboarding platform and linking the digital onboarding platform to the multi-channel cognitive resource application;

an executable portion configured for onboarding the user to the digital onboarding platform for processing product onboarding, wherein onboarding the user further comprises using an artificial intelligence engine to process user onboard attributes for use in providing product adjustments and comparisons;

an executable portion configured for pushing stage processing of onboarding of product to the user via the multi-channel cognitive resource application, including information for display the multi-channel cognitive resource application on the user device, wherein pushing stage processing comprises dynamically integrating, within a central user interface of the multi-channel cognitive resource application executing on the user device, one or more interface portions and interactive elements extracted from one or more resource entity applications stored on the user device, without requiring opening and closing of the one or more resource entity applications, by (i) loading only required portions of each resource entity application into a cache memory location in sequence based on a determined progression of onboarding activity events, and (ii) unloading each resource entity application from memory after completion of its associated activity event;

an executable portion configured for identifying user program needs during onboarding and push products at appropriate times associated with user program needs, wherein pushing the products at the appropriate times associated with the user program needs comprises applying logic to user onboarding and identifying products for user requirements;

an executable portion configured for identifying user activity and communications as being related to onboarding, and trigger the multi-channel cognitive resource application access of the user activity, wherein the multi-channel cognitive resource application provides information about the user activity relative to onboarding;

an executable portion configured for analyzing the identified user activity and communications to identify products ancillary to the pushed products and provide information regarding the pushed products to the user device; and

an executable portion configured for providing a link to the user device, wherein upon a condition where the user interacts with the link, a contact is integrated into the user device associated with the user for direct communication for onboarding.

7 . The computer program product of claim 6 , further comprising an executable portion configured for automatically transferring user items to new products, wherein the transferring user items includes automatic deposit accounts and utility information.

8 . The computer program product of claim 7 , wherein the transferring user items expedites the push stage processing of the onboarding of the product to the user.

9 . The computer program product of claim 6 , wherein the user is an entity selling products or services.

10 . The computer program product of claim 9 , wherein the user onboard attributes processed by the artificial intelligence engine comprises a type of business of the entity.

11 . A computer-implemented method for providing a digital onboarding using multi-channel cognitive resource applications, the computer-implemented method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations:

generating a digital onboarding platform and linking the digital onboarding platform to the multi-channel cognitive resource application;

onboarding the user to the digital onboarding platform for processing product onboarding, wherein onboarding the user further comprises using an artificial intelligence engine to process user onboard attributes for use in providing product adjustments and comparisons;

pushing stage processing of onboarding of product to the user via the multi-channel cognitive resource application, including information for display the multi-channel cognitive resource application on the user device, wherein pushing stage processing comprises dynamically integrating, within a central user interface of the multi-channel cognitive resource application executing on the user device, one or more interface portions and interactive elements extracted from one or more resource entity applications stored on the user device, without requiring opening and closing of the one or more resource entity applications, by (i) loading only required portions of each resource entity application into a cache memory location in sequence based on a determined progression of onboarding activity events, and (ii) unloading each resource entity application from memory after completion of its associated activity event;

identifying user program needs during onboarding and push products at appropriate times associated with user program needs, wherein pushing the products at the appropriate times associated with the user program needs comprises applying logic to user onboarding and identifying products for user requirements;

identifying user activity and communications as being related to onboarding, and trigger the multi-channel cognitive resource application access of the user activity, wherein the multi-channel cognitive resource application provides information about the user activity relative to onboarding;

analyzing the identified user activity and communications to identify products ancillary to the pushed products and provide information regarding the products ancillary to the pushed products to the user device; and

providing a link to the user device, wherein upon a condition where the user interacts with the link, a contact is integrated into the user device associated with the user for direct communication for onboarding.

12 . The computer-implemented method of claim 11 , further comprising automatically transferring user items to new products, wherein the transferring user items includes automatic deposit accounts and utility information.

13 . The computer-implemented method of claim 12 , wherein the transferring user items expedites the push stage processing of the onboarding of the product to the user.

14 . The computer-implemented method of claim 11 , wherein the user is an entity selling products or services.

15 . The computer-implemented method of claim 14 , wherein the user onboard attributes processed by the artificial intelligence engine comprises a type of business of the entity.

Assignments (1)

Continuity (3)

References Cited (28)