Patent ID: 11947640
Assignee: BANK OF AMERICA CORPORATION
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
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.