IP Library Granted Patent US 12701172
Granted Patent B2
US 12701172 · App. 18/941,261 · Granted Aug 4, 2026

Systems and methods for adaptive user-locality-based data transmissions

Inventors: Katherine Dintenfass (McLean, VA); Joseph DelVescio (Charlotte, NC); David B. Evans (Charlotte, NC); Jennifer T. Linsenmayer (Davidson, NC); Karen R. Williams (Mount Holly, NC)
Assignee: BANK OF AMERICA CORPORATION
H04L67/52
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Quick Facts
Patent No.
US 12701172
App. No.
18/941,261
Granted
Aug 4, 2026
Kind
B2
Abstract

Systems, computer program products, and methods are described herein for adaptive user-locality-based data transmissions. Embodiments of the present disclosure are configured to generate a first dataset including one or more first data entries associated with a user, process the one or more first data entries of the first dataset, extract, via the processing, one or more geographical data entries of the one or more first data entries, receive, using a network interface, a second dataset including one or more event data entries associated with the one or more geographical data entries, generate a data transmission including data of at least one event data entry of the one or more event data entries, and transmit, using the network interface, the data transmission to a user device of the user via a communication network.

Claims (92)

1 . A system for adaptive user-locality-based data transmissions, the system comprising:

a network interface configured to communicate via a communication network;

at least one non-transitory storage device comprising computer program code stored thereon; and

at least one processing device operably coupled to the network interface, and the at least one non-transitory storage device, wherein the computer program code comprises computer instructions configured to cause the at least one processing device to:

generate a first dataset comprising one or more first data entries associated with a user by:

rendering a GUI comprising a plurality of interactive environments;

providing, via the network interface, the GUI to a user device associated with the user to cause the user device to display the GUI to the user;

monitoring, via the network interface, user input to the GUI based on data from the user device;

generating, via direct user input to the GUI, at least one data entry comprising zero-party user data;

generating, via indirect user input to the GUI, at least one data entry comprising first-party user data; and

inputting the at least one data entry comprising zero-party user data and the at least one data entry comprising first-party user data to the first dataset, wherein the one or more first data entries comprise the at least one data entry comprising the zero-party user data and the at least one data entry comprising the first-party user data;

process the one or more first data entries of the first dataset;

extract, via the processing, one or more geographical data entries of the one or more first data entries;

receive, using the network interface, a second dataset comprising one or more event data entries associated with the one or more geographical data entries;

generate a data transmission comprising data of at least one event data entry of the one or more event data entries; and

transmit, using the network interface, the data transmission to the user device of the user via the communication network.

2 . The system of claim 1 , wherein the at least one non-transitory storage device comprises computer-executable program code that, when executed by the at least one processing device, causes the at least one processing device to, when processing the one or more first data entries of the first dataset:

aggregate the one or more first data entries into the at least one non-transitory storage device;

analyze the one or more first data entries to identify one or more user details;

extract, via the analysis, the one or more user details; and

ingest the one or more user details into a generative AI model.

3 . The system of claim 2 , wherein the one or more user details comprises the one or more geographical data entries.

4 . The system of claim 2 , wherein the generative AI model is configured to:

ingest the one or more event data entries of the second dataset;

generate a plurality of text and graphics associated with the one or more user details and the one or more event data entries; and

generate the data transmission, wherein the data transmission comprises the generated plurality of text and graphics.

5 . The system of claim 2 , wherein the generative AI model comprises a plurality of parameters, wherein the plurality of parameters is trained on the first dataset associated with the user, and wherein the trained plurality of parameters is used to generate data transmissions for a plurality of users.

6 . The system of claim 2 , wherein the generative AI model is configured to:

ingest user data associated with a plurality of users;

analyze the user data associated with the plurality of users;

generate, via the analysis, an entity data transmission comprising data directed to an overall insight of the plurality of users; and

transmit the entity data transmission to at least one entity.

7 . The system of claim 1 , wherein the one or more first data entries comprises additional information on the user that the user shared directly or indirectly with an entity or entities associated with the entity.

8 . A computer program product for adaptive user-locality-based data transmissions, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:

generate a first dataset comprising one or more first data entries associated with a user by:

rendering a GUI comprising a plurality of interactive environments;

providing, via a network interface, the GUI to a user device associated with the user to cause the user device to display the GUI to the user;

monitoring, via the network interface, user input to the GUI based on data from the user device;

generating, via direct user input to the GUI, at least one data entry comprising zero-party user data;

generating, via indirect user input to the GUI, at least one data entry comprising first-party user data; and

inputting the at least one data entry comprising zero-party user data and the at least one data entry comprising first-party user data to the first dataset, wherein the one or more first data entries comprise the at least one data entry comprising the zero-party user data and the at least one data entry comprising the first-party user data;

process the one or more first data entries of the first dataset;

extract, via the processing, one or more geographical data entries of the one or more first data entries;

receive, using a network interface, a second dataset comprising one or more event data entries associated with the one or more geographical data entries;

generate a data transmission comprising data of at least one event data entry of the one or more event data entries; and

transmit, using the network interface, the data transmission to the user device of the user via a communication network.

9 . The computer program product of claim 8 , wherein the non-transitory computer-readable medium comprises code causing an apparatus to, when processing the one or more first data entries of the first dataset:

aggregate the one or more first data entries into at least one non-transitory storage device;

analyze the one or more first data entries to identify one or more user details;

extract, via the analysis, the one or more user details; and

ingest the one or more user details into a generative AI model.

10 . The computer program product of claim 9 , wherein the one or more user details comprises the one or more geographical data entries.

11 . The computer program product of claim 9 , wherein the generative AI model is configured to:

ingest the one or more event data entries of the second dataset;

generate a plurality of text and graphics associated with the one or more user details and the one or more event data entries; and

generate the data transmission, wherein the data transmission comprises the generated plurality of text and graphics.

12 . The computer program product of claim 9 , wherein the generative AI model comprises a plurality of parameters, wherein the plurality of parameters is trained on the first dataset associated with the user, and wherein the trained plurality of parameters is used to generate data transmissions for a plurality of users.

13 . The computer program product of claim 9 , wherein the generative AI model is configured to:

ingest user data associated with a plurality of users;

analyze the user data associated with the plurality of users;

generate, via the analysis, an entity data transmission comprising data directed to an overall insight of the plurality of users; and

transmit the entity data transmission to at least one entity.

14 . The computer program product of claim 8 , wherein the one or more first data entries comprises additional information on the user that the user shared directly or indirectly with an entity or entities associated with the entity.

15 . A computer-implemented method for adaptive user-locality-based data transmissions, the method comprising:

generating a first dataset comprising one or more first data entries associated with a user by:

rendering a GUI comprising a plurality of interactive environments;

providing, via a network interface, the GUI to a user device associated with the user to cause the user device to display the GUI to the user;

monitoring, via the network interface, user input to the GUI based on data from the user device;

generating, via direct user input to the GUI, at least one data entry comprising zero-party user data;

generating, via indirect user input to the GUI, at least one data entry comprising first-party user data; and

inputting the at least one data entry comprising zero-party user data and the at least one data entry comprising first-party user data to the first dataset, wherein the one or more first data entries comprise the at least one data entry comprising the zero-party user data and the at least one data entry comprising the first-party user data;

processing the one or more first data entries of the first dataset;

extracting, via the processing, one or more geographical data entries of the one or more first data entries;

receiving, using a network interface, a second dataset comprising one or more event data entries associated with the one or more geographical data entries;

generating a data transmission comprising data of at least one event data entry of the one or more event data entries; and

transmitting, using the network interface, the data transmission to the user device of the user via a communication network.

16 . The method of claim 15 , the method further comprising, when processing the one or more first data entries of the first dataset:

aggregating the one or more first data entries into at least one non-transitory storage device;

analyzing the one or more first data entries to identify one or more user details;

extracting, via the analysis, the one or more user details; and

ingesting the one or more user details into a generative AI model.

17 . The method of claim 16 , wherein the one or more user details comprises the one or more geographical data entries.

18 . The method of claim 16 , wherein the generative AI model is configured for:

ingesting the one or more event data entries of the second dataset;

generating a plurality of text and graphics associated with the one or more user details and the one or more event data entries; and

generating the data transmission, wherein the data transmission comprises the generated plurality of text and graphics.

19 . The method of claim 16 , wherein the generative AI model comprises a plurality of parameters, wherein the plurality of parameters is trained on the first dataset associated with the user, and wherein the trained plurality of parameters is used to generate data transmissions for a plurality of users.

20 . The method of claim 16 , wherein the generative AI model is configured for

ingesting user data associated with a plurality of users;

analyzing the user data associated with the plurality of users;

generating, via the analysis, an entity data transmission comprising data directed to an overall insight of the plurality of users; and

transmitting the entity data transmission to at least one entity.