Bank of America Corporation
SMART RESERVE SYSTEM (SRS) FOR USE WITH A DATA-DRIVEN, ARTIFICIAL-INTELLIGENCE-INFORMED, TRANSACTION ECOSYSTEM

Abstract:

Aspects of the disclosure relate to methods for use with a data-driven, artificial-intelligence-informed, transaction ecosystem. Such methods may include storing profile information associated with a plurality of subscribers. The profile information may include a reserve associated with each subscriber. The method may further include using a subscriber profile control apparatus to update each subscriber profile by receiving additional subscriber information from each subscriber; receiving social media access information from each subscriber; obtaining social media information corresponding to the social media access information associated with each subscriber; modifying the subscriber profile based on the social media information; and weighting the subscriber profile information based on the social media information. The method may also include providing secure, on-demand, access to the subscriber database. The providing may use a third party access appliance. The third party access appliance may enable augmentation of the reserve associated with one or more of the subscribers.