System and method for inter-bank and intra-bank mobile banking communications and transfers

Abstract

Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request.

What is claimed is: 
     
         1 . A system comprising:
 one or more processors; and   memory, in communication with the one or more processors, and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:
 receive, via a first user device associated with a first user, a message of a first format; 
 extract one or more features from the message; 
 determine, via a machine learning model (MLM), whether the message is indicative of a funds transfer request based on the one or more features; and 
 responsive to determining that the message is indicative of a funds transfer request, translate the message into a second format by generating and transmitting for display, via a first graphical user interface (GUI) of the first user device, an interactive form configured to facilitate a funds transfer between the first user device and a second user device associated with a second user. 
   
     
     
         2 . The system of  claim 1 , wherein the one or more features comprise one or more of a name of a person, a title of a person, a request type, a transfer amount, an account name, an account number, or combinations thereof. 
     
     
         3 . The system of  claim 1 , wherein the instructions are further configured to cause the one or more processors to:
 receive, via the first GUI of the first user device, one or more first user inputs associated with the interactive form;   transmit, to the second user device associated with the second user, the interactive form comprising the one or more first user inputs;   transmit for display, via a second GUI of the second user device, the interactive form comprising the one or more first user inputs;   receive, via the second GUI of the second user device, one or more modifications to the one or more first user inputs and one or more second user inputs associated with the interactive form; and   responsive to receiving the one or more modifications and the one or more second user inputs, complete the funds transfer.   
     
     
         4 . The system of  claim 3 , wherein the one or more modifications comprise one or more of a request type, a transfer amount, a location where a funds transfer amount may be used, a time range when a funds transfer amount may be used, a receipt requirement for the funds transfer request, a specific currency for the funds transfer request, a note associated with the funds transfer request, or combinations thereof. 
     
     
         5 . The system of  claim 3 , wherein completing the funds transfer comprises automatically instructing a computing device associated with an entity associated with the second user to transfer funds from a first account associated with the second user to a second account associated with the first user. 
     
     
         6 . The system of  claim 3 , wherein the instructions are further configured to cause the one or more processors to:
 determine whether the second user is an intra-entity customer by transmitting an inquiry to an entity system; and either:
 transmit the interactive form and the one or more first user inputs to the second user device using an application in response to determining that the second user is an intra-entity customer; or 
 transmit the interactive form and the one or more first user inputs to the second user device using one or more of a text message or an email in response to determining that the second user is not an intra-entity customer. 
   
     
     
         7 . The system of  claim 3 , wherein the instructions are further configured to cause the one or more processors to:
 determine whether the second user is an existing second user associated with the first user by comparing contact information associated with the second user to stored contact information; and   responsive to determining that the second user is not an existing second user associated with the first user:
 search a first list of contacts stored on the first user device and a second list of contacts stored in a remote database associated with the first user; 
 determine whether one or more contacts of the first and second lists of contacts potentially match the contact information associated with the second user; and 
 responsive to determining one or more contacts potentially match the contact information associated with the second user:
 transmit one or more first contacts of the first and second lists of contacts for display via the first GUI of the first user device; and 
 receive, via the first GUI of the second user device, a first selection of a desired second user of the one or more first contacts. 
 
   
     
     
         8 . The system of  claim 3 , wherein the instructions are further configured to cause the one or more processors to:
 responsive to receiving the one or more modifications and the one or more second user inputs:
 transmit, to the first user device, the interactive form comprising the one or more modifications and the one or more second user inputs; 
 transmit for display, via the first GUI of the first user device, the interactive form comprising the one or more modifications and the one or more second user inputs; 
 receive, via the first GUI of the first user device, one or more third user inputs associated with the interactive form; 
 determine whether the first user accepts the one or more modifications and the one or more second user inputs based on the received one or more third user inputs; and 
 responsive to determining the first user accepts the one or more modifications and the one or more second user inputs, complete the funds transfer. 
   
     
     
         9 . A system comprising:
 one or more processors; and   memory, in communication with the one or more processors, and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:
 receive, via a first user device associated with a first user, a message of a first format; 
 determine, via a machine learning model (MLM), whether the message is indicative of a funds transfer request; and 
 responsive to determining that the message is indicative of a funds transfer request, translate the message into a second format by generating and transmitting for display, via a first graphical user interface (GUI) of the first user device, an interactive form configured to facilitate a funds transfer between the first user device and a second user device associated with a second user. 
   
     
     
         10 . The system of  claim 9 , wherein the instructions are further configured to cause the one or more processors to:
 receive, via the first GUI of the first user device, one or more first user inputs associated with the interactive form;   transmit, to the second user device associated with the second user, the interactive form comprising the one or more first user inputs;   transmit for display, via a second GUI of the second user device, the interactive form comprising the one or more first user inputs;   receive, via the second GUI of the second user device, one or more modifications to the one or more first user inputs and one or more second user inputs associated with the interactive form; and   responsive to receiving the one or more modifications and the one or more second user inputs, complete the funds transfer.   
     
     
         11 . The system of  claim 10 , wherein the one or more modifications comprise one or more of a request type, a transfer amount, a location where a funds transfer amount may be used, a time range when a funds transfer amount may be used, a receipt requirement for the funds transfer request, a specific currency for the funds transfer request, a note associated with the funds transfer request, or combinations thereof. 
     
     
         12 . The system of  claim 10 , wherein completing the funds transfer comprises automatically instructing a computing device associated with an entity associated with the second user to transfer funds from a first account associated with the second user to a second account associated with the first user. 
     
     
         13 . The system of  claim 10 , wherein the instructions are further configured to cause the one or more processors to:
 determine whether the second user is an intra-entity customer by transmitting an inquiry to an entity system; and either:
 transmit the interactive form and the one or more first user inputs to the second user device using an application in response to determining that the second user is an intra-entity customer; or 
 transmit the interactive form and the one or more first user inputs to the second user device using one or more of a text message or an email in response to determining that the second user is not an intra-entity customer. 
   
     
     
         14 . The system of  claim 13 , wherein the instructions are further configured to cause the one or more processors to:
 determine whether the second user is an existing second user associated with the first user by comparing contact information associated with the second user to stored contact information; and   responsive to determining that the second user is not an existing second user associated with the first user:
 search a first list of contacts stored on the first user device and a second list of contacts stored in a remote database associated with the first user; 
 determine whether one or more contacts of the first and second lists of contacts potentially match the contact information associated with the second user; and 
 responsive to determining one or more contacts potentially match the contact information associated with the second user:
 transmit one or more first contacts of the first and second lists of contacts for display via the first GUI of the first user device; and 
 receive, via the first GUI of the second user device, a first selection of a desired second user of the one or more first contacts. 
 
   
     
     
         15 . A method comprising:
 receiving, via a first user device associated with a first user, a message of a first format;   determining, via a machine learning model (MLM), whether the message is indicative of a funds transfer request; and   responsive to determining that the message is indicative of a funds transfer request, translating the message into a second format by generating and transmitting for display, via a first graphical user interface (GUI) of the first user device, an interactive form configured to facilitate a funds transfer between the first user device and a second user device associated with a second user.   
     
     
         16 . The method of  claim 15 , further comprising:
 receiving, via the first GUI of the first user device, one or more first user inputs associated with the interactive form;   transmitting, to the second user device associated with the second user, the interactive form comprising the one or more first user inputs;   transmitting for display, via a second GUI of the second user device, the interactive form comprising the one or more first user inputs;   receiving, via the second GUI of the second user device, one or more modifications to the one or more first user inputs and one or more second user inputs associated with the interactive form; and   responsive to receiving the one or more modifications and the one or more second user inputs, completing the funds transfer.   
     
     
         17 . The method of  claim 16 , wherein the one or more modifications comprise one or more of a request type, a transfer amount, a location where a funds transfer amount may be used, a time range when a funds transfer amount may be used, a receipt requirement for the funds transfer request, a specific currency for the funds transfer request, a note associated with the funds transfer request, or combinations thereof. 
     
     
         18 . The method of  claim 16 , wherein completing the funds transfer comprises automatically instructing a computing device associated with an entity associated with the second user to transfer funds from a first account associated with the second user to a second account associated with the first user. 
     
     
         19 . The method of  claim 16 , further comprising:
 determining whether the second user is an intra-entity customer by transmitting an inquiry to an entity system; and either:
 transmitting the interactive form and the one or more first user inputs to the second user device using an application in response to determining that the second user is an intra-entity customer; or 
 transmitting the interactive form and the one or more first user inputs to the second user device using one or more of a text message or an email in response to determining that the second user is not an intra-entity customer. 
   
     
     
         20 . The method of  claim 19 , further comprising:
 determining whether the second user is an existing second user associated with the first user by comparing contact information associated with the second user to stored contact information; and   responsive to determining that the second user is not an existing second user associated with the first user:   searching a first list of contacts stored on the first user device and a second list of contacts stored in a remote database associated with the first user;   determining whether one or more contacts of the first and second lists of contacts potentially match the contact information associated with the second user; and   responsive to determining one or more contacts potentially match the contact information associated with the second user:
 transmitting one or more first contacts of the first and second lists of contacts for display via the first GUI of the first user device; and 
 receiving, via the first GUI of the second user device, a first selection of a desired second user of the one or more first contacts.