Granted Patent B2

US 12,437,086 · App. 17/527,909 · Granted Oct 7, 2025

Inventors: Tony England (Tega Cay, SC); Steven Michael Twombly (Saco, ME)

Assignee: BANK OF AMERICA CORPORATION

G06F21/604

Abstract

Claims (86)

1. A system for resource event device removal, the system comprising:

a network location associated with a resource recipient, wherein the network location includes a data repository that stores resource event credentials associated with one or more resource event devices held by a resource provider and issued by a resource holding entity; and

a computing platform controlled by the resource holding entity and including a memory and at least one computing processing device in communication with the memory, wherein the memory stores instructions that are executable by one or more of the at least one computing processing devices and are configured to:

receive an input from the resource provider that indicates a desire to remove at least a portion of the resource event credentials from the network location associated with the resource recipient;

in response to receiving the input, determine an intent of the resource provider in providing the input; and

in response to determining the intent, perform an action associated with the determined intent, wherein the action comprises communicating a first message to the resource recipient that indicates the intent of the resource provider to cancel the recurring resource event;

in response to communicating the first message to the resource recipient, receiving a response message from the resource recipient that provides parameters for continuing the recurring resource event;

presenting, to the resource provider, an input option to (i) accept the parameters for continuing the recurring resource event, or (ii) decline the parameters and cancel the recurring resource event;

in response to the resource provider providing a second input that accepts the parameters for continuing the recurring resource event, communicating a second message to the resource provider that indicates acceptance of the parameters by the resource provider, and

in response to the resource provider providing the second input that declines the parameters for continuing the recurring resource event, communicating a third message to the resource provider that indicates declination of the parameters by the resource provider and initiates removal, from the data repository, of the resource event credentials associated with the at least one of the one or more resource event devices.

2. The system of claim 1 , wherein the instructions configured to determine the intent of the resource provider are further configured to:

implement artificial intelligence (AI) to analyze historical data associated with the resource provider to identify at least one possible intent of the resource provider,

present one or more queries to the resource provider that are configured to confirm the possible intent, and

receive responses to the one or more queries that confirm the possible intent as the intent of the resource provider.

3. The system of claim 2 , wherein the instructions configured to determine the intent of the resource provider are further configured to:

receive responses to the one or more queries that fail to confirm the possible intent as the intent of the resource provider, and

in response to the responses to the one or more queries that fail to confirm the possible intent, iteratively, perform further analysis of the historical data, and continually present additional queries until responses to the additional queries confirm the intent of the resource provider.

4. The system of claim 1 , wherein the instructions configured to determine the intent of the resource provider are further configured to determine that the resource provider intends to cancel a recurring resource event conducted between the resource provider and the resource recipient that uses the resource event credentials associated with at least one of the one or more resource event devices.

5. The system of claim 1 , wherein the instructions configured to determine the intent of the resource provider are further configured to determine that the resource provider intends to replace the resource event device with another resource event device.

6. The system of claim 5 , wherein the instructions configured to determine the intent of the resource provider are further configured to determine that the other resource event device is associated with a same resource holding entity as the resource event device, and wherein the instructions configured to perform the action further define the action as including:

receiving a third input from the resource provider that selects the other resource event device from amongst one or more other resource event devices, and

communicating a message to the resource recipient that initiates replacement of the resource event credentials associated with the resource event device with other resource event credentials associated with the selected other resource event device.

7. The system of claim 5 , wherein the instructions configured to determine the intent of the resource provider are further configured to determine that the other resource event device is associated with a different resource holding entity as the resource event device, and wherein the instructions configured to perform the action further define the action as including:

determining resource provider-specific parameters for continuing use of the resource event device, and

presenting, to the resource provider, an input option to (i) accept the parameters for continuing use of the resource event device, or (ii) decline the parameters and remove the resource event credentials associated with the resource event device from the data repository.

8. The system of claim 7 , wherein the instructions configured to perform the action further define the action as including:

in response to the resource provider providing the second input that accepts the parameters for continuing use of the resource event device, reconfiguring at least one resource events based on the accepted parameters, and

in response to the resource provider providing the second input that declines the parameters for continuing the recurring resource event, communicating a message to the resource provider that initiates removal of the resource event credentials associated with the resource event device from the data repository.

9. A computer-implemented method for removing a resource event device from a network location, the computer-implemented method is executed by one or more computer processing devices and comprises:

receiving an input from a resource provider that indicates a desire to remove, from a data repository at a network location, at least a portion of resource event credentials associated with at least one resource event device held by the resource provider;

in response to receiving the input, determining an intent of the resource provider in providing the input; and

in response to determining the intent, performing an action associated with the determined intent;

determining that the resource provider intends to cancel a recurring resource event conducted between the resource provider and the resource recipient using the resource event credentials associated with at least one of the one or more resource event devices, and

wherein performing the action further comprises:

communicating a first message to the resource recipient that indicates the intent of the resource provider to cancel the recurring resource event;

in response to communicating the first message to the resource recipient, receiving a response message from the resource recipient that provides parameters for continuing the recurring resource event;

presenting, to the resource provider, an input option to (i) accept the parameters for continuing the recurring resource event, or (ii) decline the parameters and cancel the recurring resource event;

in response to the resource provider providing a second input that accepts the parameters for continuing the recurring resource event, communicating a second message to the resource provider that indicates acceptance of the parameters by the resource provider, and

in response to the resource provider providing the second input that declines the parameters for continuing the recurring resource event, communicating a third message to the resource provider that indicates declination of the parameters by the resource provider and initiates removal, from the data repository, of the resource event credentials associated with the at least one of the one or more resource event devices.

10. The computer-implemented method of claim 9 , determining the intent of the resource provider further comprises:

implementing artificial intelligence (AI) to analyze historical data associated with the resource provider to identify at least one possible intent of the resource provider;

presenting one or more queries to the resource provider that are configured to confirm the possible intent, and

either,

receiving responses to the one or more queries that seek to confirm the possible intent as the intent of the resource provider; or

receiving responses to the one or more queries that fail to confirm the possible intent as the intent of the resource provider;

in response to the receiving the responses to the one or more queries that fail to confirm the possible intent iteratively:

analyzing the historical data further to identify further possible intent; and

continually presenting additional queries that seek to confirm the further possible intent until responses to the additional queries confirm the further possible intent as the intent of the resource provider.

11. The computer-implemented method of claim 9 , wherein determining the intent of the resource provider further comprises:

determining that the resource provider intends to replace the resource event device with another resource event device; and

determining that the other resource event device is associated with a same resource holding entity as the resource event device, and

wherein performing the action further comprises:

receiving a second input from the resource provider that selects the other resource event device from amongst one or more other resource event devices, and

communicating a message to the resource recipient that initiates replacement of the resource event credentials associated with the resource event device with other resource event credentials associated with the selected other resource event device.

12. The computer-implemented method of claim 9 , wherein determining the intent of the resource provider further comprises:

determining that (i) the resource provider intends to replace the resource event device with another resource event device, and (ii) the other resource event device is associated with a different resource holding entity as the resource event device, and

wherein the performing the action further comprises:

determining resource provider-specific parameters for continuing use of the resource event device for the recurring resource events;

presenting, to the resource provider, an input option to (i) accept the parameters for continuing use of the resource event device, or (ii) decline the parameters and remove the resource event credentials associated with the resource event device from the data repository;

either:

in response to the resource provider providing a second input that accepts the parameters for continuing use of the resource event device, reconfiguring at least one resource event based on the accepted parameters; or

in response to the resource provider providing the second input that declines the parameters for continuing the recurring resource event, communicating a message to the resource provider that initiates removal of the resource event credentials associated with the resource event device from the data repository.

13. A computer program product comprising: a non-transitory computer-readable medium comprising:

a first set of codes for causing a first computer to receive an input from a resource provider that indicates a desire to remove, from a data repository at a network location, at least a portion of resource event credentials associated with at least one resource event device held by the resource provider;

a second set of codes for causing a second computer to determine that the resource provider intends to cancel a recurring resource event conducted between the resource provider and the resource recipient using the resource event credentials associated with at least one of the one or more resource event devices; and

a third set of codes for causing a third computer to:

communicate a first message to the resource recipient that indicates the intent of the resource provider to cancel the recurring resource event,

in response to communicating the first message to the resource recipient, receive a response message from the resource recipient that provides parameters for continuing the recurring resource event,

present, to the resource provider, an input option to (i) accept the parameters for continuing the recurring resource event, or (ii) decline the parameters and cancel the recurring resource event,

either:

in response to the resource provider providing a second input that accepts the parameters for continuing the recurring resource event, communicate a second message to the resource provider that indicates acceptance of the parameters by the resource provider, or

in response to the resource provider providing the second input that declines the parameters for continuing the recurring resource event, communicating a third message to the resource provider that indicates declination of the parameters by the resource provider and initiates removal, from the data repository, of the resource event credentials associated with the at least one of the one or more resource event devices.

14. The computer program product of claim 13 , wherein the third set of codes are further configured to cause the third computer to:

implement artificial intelligence (AI) to analyze historical data associated with the resource provider to identify at least one possible intent of the resource provider,

present one or more queries to the resource provider that are configured to confirm the possible intent, and

either:

receive responses to the one or more queries that seek to confirm the possible intent as the intent of the resource provider, or

receive responses to the one or more queries that fail to confirm the possible intent as the intent of the resource provider,

in response to the receiving the responses to the one or more queries that fail to confirm the possible intent iteratively:

analyze the historical data further to identify further possible intent, and

continually present additional queries that seek to confirm the further possible intent until responses to the additional queries confirm the further possible intent as the intent of the resource provider.

15. The computer program product of claim 13 , wherein the second set of codes are further configured to:

determine that (i) the resource provider intends to replace the resource event device with another resource event device, and (ii) the other resource event device is associated with a same resource holding entity as the resource event device, and

wherein the third set of codes are further configured to cause the third computer to:

receive the second input from the resource provider that selects the other resource event device from amongst one or more other resource event devices, and

communicate a message to the resource recipient that initiates replacement of the resource event credentials associated with the resource event device with other resource event credentials associated with the selected other resource event device.

Assignments (1)

Continuity (1)

References Cited (23)