US 11,947,640 B2
Adaptive, multi-channel, embedded application programming interface (API)
Patrick Burgess, Stockholm (SE); Trish Gillis, Chicago, IL (US); Taylor Farris, Hoboken, NJ (US); and Napangsiri Wanpen, New York, NY (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Jul. 12, 2021, as Appl. No. 17/372,734.
Prior Publication US 2023/0010578 A1, Jan. 12, 2023
Int. Cl. G06F 21/31 (2013.01); G06F 9/54 (2006.01)
CPC G06F 21/31 (2013.01) [G06F 9/542 (2013.01)] 6 Claims
OG exemplary drawing
 
1. A method for conducting an electronic communication between a multi-channel, embedded application programming interface (API), said API that provides adaptive API access across multiple channels, and a mobile device, the API comprising a library of operating system (OS) communication protocols, each of said OS protocols corresponding to a single one of the multiple channels, a library of user credentials for verifying authenticity of a single user attempting to log in via one of the multiple channels, and a library of data, said data that provides information for one or more responses to a request from the user, following verification of the authenticity of the user, and the method comprising:
receiving, at the API, a communication initiation from the device associated with the user, wherein the device is associated with a first channel among the multiple channels;
requesting, using the API, an OS format associated with the device and user credentials associated with the device;
receiving a response from the device, the response comprising a device OS format, credentials associated with the device and a data request;
accessing, using the API, the library of OS communication protocols to retrieve a protocol that corresponds to the OS format;
authenticating the user credentials;
following the authenticating, pulling the requested data;
formatting the pulled data in the OS format to form OS formatted data, and
providing the OS formatted data to the mobile device.