IP Library › Granted Patent US 12699525

Granted Patent B1

US 12699525 · App. 19/085,820 · Granted Aug 4, 2026

System and method for updating profiles stored in a memory

Inventors: Ramesh Arumugam (Lake Wylie, SC); Nathan L Macaluso (Denver, CO)

Assignee: Bank of America Corporation

G06F3/0652 G06F3/0604 G06F3/0673

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Quick Facts

Patent No.: US 12699525
App. No.: 19/085,820
Granted: Aug 4, 2026
Kind: B1

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Abstract

In response to receiving a request to perform a first data interaction using a default data profile of a user including transport of a first amount of data objects to a target data profile, the requested data objects are electronically transported from the default data profile to the target data profile and a first interaction record of the first data interaction is stored in the default data profile. Thereafter, based on a preconfigured rule, the first data interaction is electronically transported from the default data profile to a first data profile of the user including electronically deleting the first interaction record from the default data profile and storing a second interaction record of the first data interaction as part of the first data profile of the user.

Claims (110)

1 . A system comprising:

a memory storing a set of rules for transporting data interactions between data profiles of a user; and

a processor communicatively coupled to the memory and configured to:

receive a first request to perform a first data interaction using a default data profile of the user, wherein the first request comprises a request to transport a first amount of data objects to a target data profile;

in response to receiving the first request:

access, from the memory, the first amount of the data objects associated with the default data profile of the user;

electronically transport the first amount of the data objects from the default data profile of the user to the target data profile, wherein the electronic transport comprises a first electronic transport; and

store a first record of the first data interaction as part of the default data profile of the user;

after the first electronic transport is completed:

access the set of rules from the memory, wherein the set of rules comprises a translation between each type of a plurality of types of data interactions to a particular data profile of the user;

identify a first type of the first data interaction based on a first information tag associated with the first request;

execute a query in the memory based on the first type of the first data interaction to search the set of rules for a first rule that translates the first type of data interaction to a first data profile of the user;

obtain the first data profile of the user as a result of executing the query;

electronically delete the first record of the first data interaction from the default data profile of the user; and

electronically store a second record of the first data interaction as part of the first data profile of the user, wherein the second record indicates the first amount of the data objects transported from the first data profile of the user to the target data profile.

2 . The system of claim 1 , wherein the processor is further configured to:

receive a rule configuration from the user, the rule configuration comprising the set of rules defining the transport of the data interactions between the data profiles of the user.

3 . The system of claim 1 , wherein:

the memory stores:

a first scoring criterion associated with the first user data profile of the user, wherein the first scoring criterion is used to assign a first score to the first type of data interactions as a first percentage of the data objects transported as part of the respective data interactions; and

a second scoring criterion associated with a second user data profile of the user, wherein the second scoring criterion is used to assign a second score to the first type of data interactions as a second percentage of the data objects transported as part of the respective data interactions.

4 . The system of claim 3 , wherein the processor is further configured to:

receive a rule configuration from the user comprising a request to increase scores assigned to the first type of data interactions requested by the user;

in response to receiving the rule configuration, compare the first percentage associated with the first scoring criterion to the second percentage associated with the second scoring criterion;

determine, based on the comparing, that the first percentage is higher than the second percentage;

in response to determining that the first percentage is higher than the second percentage, generate the first rule translating the first type of data interaction to the first data profile of the user;

store the first rule in the memory as part of the set of rules.

5 . The system of claim 4 , wherein the processor is further configured to:

after storing the second record of the first data interaction as part of the first data profile of the user, determine the first score for the first data interaction based on the first scoring criterion as the first percentage of the first amount of data objects; and

store the first score as part of the first data profile of the user.

6 . The system of claim 4 , wherein the processor is further configured to:

receive an indication that the second percentage associated with the second scoring criterion has changed;

in response to the indication, compare the first percentage associated with the first scoring criterion to the second percentage associated with the second scoring criterion;

determine, based on the comparing, that the second percentage is higher than the first percentage;

in response to determining that the second percentage is higher than the first percentage, update the first rule translating the first type of data interaction to the second data profile of the user;

store an updated first rule in the memory as part of the set of rules.

7 . The system of claim 1 , wherein the processor is further configured to:

transmit a second request to accept automatic transport of data interactions between the data profiles of the user based on the set of rules; and

receive a message from the user accepting the automatic transport of the data interactions between the data profiles of the user based on the set of rules.

8 . A method comprising:

receiving a first request to perform a first data interaction using a default data profile of a user, wherein the first request comprises a request to transport a first amount of data objects to a target data profile;

in response to receiving the first request:

accessing, from a memory, the first amount of the data objects associated with the default data profile of the user;

electronically transporting the first amount of the data objects from the default data profile of the user to the target data profile, wherein the electronic transport comprises a first electronic transport; and

storing a first record of the first data interaction as part of the default data profile of the user;

after the first electronic transport is completed:

accessing a set of rules from the memory, wherein the set of rules comprises a translation between each type of a plurality of types of data interactions to a particular data profile of the user;

identifying a first type of the first data interaction based on a first information tag associated with the first request;

executing a query in the memory based on the first type of the first data interaction to search the set of rules for a first rule that translates the first type of data interaction to a first data profile of the user;

obtaining the first data profile of the user as a result of executing the query;

electronically deleting the first record of the first data interaction from the default data profile of the user; and

electronically storing a second record of the first data interaction as part of the first data profile of the user, wherein the second record indicates the first amount of the data objects transported from the first data profile of the user to the target data profile.

9 . The method of claim 8 , further comprising:

receiving a rule configuration from the user, the rule configuration comprising the set of rules defining the transport of the data interactions between the data profiles of the user.

10 . The method of claim 8 , wherein:

the memory stores:

11 . The method of claim 10 , further comprising:

receiving a rule configuration from the user comprising a request to increase scores assigned to the first type of data interactions requested by the user;

in response to receiving the rule configuration, comparing the first percentage associated with the first scoring criterion to the second percentage associated with the second scoring criterion;

determining, based on the comparing, that the first percentage is higher than the second percentage;

in response to determining that the first percentage is higher than the second percentage, generating the first rule translating the first type of data interaction to the first data profile of the user;

storing the first rule in the memory as part of the set of rules.

12 . The method of claim 11 , further comprising:

after storing the second record of the first data interaction as part of the first data profile of the user, determining the first score for the first data interaction based on the first scoring criterion as the first percentage of the first amount of data objects; and

storing the first score as part of the first data profile of the user.

13 . The method of claim 11 , further comprising:

receiving an indication that the second percentage associated with the second scoring criterion has changed;

in response to the indication, comparing the first percentage associated with the first scoring criterion to the second percentage associated with the second scoring criterion;

determining, based on the comparing, that the second percentage is higher than the first percentage;

in response to determining that the second percentage is higher than the first percentage, updating the first rule translating the first type of data interaction to the second data profile of the user;

storing an updated first rule in the memory as part of the set of rules.

14 . The method of claim 8 , further comprising:

transmitting a second request to accept automatic transport of data interactions between the data profiles of the user based on the set of rules; and

receiving a message from the user accepting the automatic transport of the data interactions between the data profiles of the user based on the set of rules.

15 . A non-transitory computer-readable medium storing instructions that when executed by a processor cause the processor to:

receive a first request to perform a first data interaction using a default data profile of a user, wherein the first request comprises a request to transport a first amount of data objects to a target data profile;

in response to receiving the first request:

access, from a memory, the first amount of the data objects associated with the default data profile of the user;

store a first record of the first data interaction as part of the default data profile of the user;

after the first electronic transport is completed:

access a set of rules from the memory, wherein the set of rules comprises a translation between each type of a plurality of types of data interactions to a particular data profile of the user;

identify a first type of the first data interaction based on a first information tag associated with the first request;

obtain the first data profile of the user as a result of executing the query;

electronically delete the first record of the first data interaction from the default data profile of the user; and

16 . The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the processor to:

receive a rule configuration from the user, the rule configuration comprising the set of rules defining the transport of the data interactions between the data profiles of the user.

17 . The non-transitory computer-readable medium of claim 15 , wherein:

the memory stores:

18 . The non-transitory computer-readable medium of claim 17 , wherein the instructions further cause the processor to:

receive a rule configuration from the user comprising a request to increase scores assigned to the first type of data interactions requested by the user;

in response to receiving the rule configuration, compare the first percentage associated with the first scoring criterion to the second percentage associated with the second scoring criterion;

determine, based on the comparing, that the first percentage is higher than the second percentage;

store the first rule in the memory as part of the set of rules.

19 . The non-transitory computer-readable medium of claim 18 , wherein the instructions further cause the processor to:

store the first score as part of the first data profile of the user.

20 . The non-transitory computer-readable medium of claim 18 , wherein the instructions further cause the processor to:

receive an indication that the second percentage associated with the second scoring criterion has changed;

in response to the indication, compare the first percentage associated with the first scoring criterion to the second percentage associated with the second scoring criterion;

determine, based on the comparing, that the second percentage is higher than the first percentage;

in response to determining that the second percentage is higher than the first percentage, update the first rule translating the first type of data interaction to the second data profile of the user;

store an updated first rule in the memory as part of the set of rules.