Patent ID: 11869007
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 12:
13. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:
receive, from a client computing device associated with a client, a client request to initiate a transaction at an enterprise organization;
receive, from the client computing device and in response to the receiving the client request, financial documentation associated with the client and identification documentation associated with the client;
determine, based on the received financial documentation, a projected credit score associated with the client;
determine, based on the received identification documentation, geocode coordinates indicating a geographic location associated with the client request to initiate the transaction at the enterprise organization;
generate a plurality of analytical overlays, wherein each analytical overlay includes a two-dimensional visual representation of a particular data element and wherein at least one analytical overlay includes a two-dimensional visual representation of a geographic risk factor identified based on the geocode coordinates;
stack the plurality of analytical overlays, wherein stacking the plurality of analytical overlays includes:
identifying a numerical order in which to stack the plurality of analytical overlays wherein the numerical order includes a first position including an analytical overlay corresponding to the geocode coordinates and at least a second position including an analytical overlay corresponding to at least one geographic feature of the geographic location corresponding to the geocode coordinates; and
ordering, using analytical operators, the plurality of analytical overlays in the identified numerical order;

determine, based on the plurality of the analytical overlays, a risk score associated with the client request to initiate the transaction at the enterprise organization;
analyze the projected credit score associated with the client and the risk score associated with the client request to initiate the transaction at the enterprise organization; and
generate a notification, wherein the notification indicates one of:
approval of the client request to initiate the transaction at the enterprise organization; or
rejection of the client request to initiate the transaction at the enterprise organization.