Granted Patent B2

US 12,425,098 · App. 18/136,101 · Granted Sep 23, 2025

Inventor: Siten Sanghvi (Jersey City, NJ)

Assignee: BANK OF AMERICA CORPORATION

H04B7/18513H04L5/0055H04L5/0092H04W64/00

Abstract

Claims (75)

1. A system for generating resource transmissions using satellite-based communications, the system comprising:

a memory device with computer-readable program code stored thereon;

at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to perform the following operations:

identify a user device, wherein the user device comprises a satellite-based communication component;

generate, by the user device, a resource transmission request, wherein the resource transmission request is associated with at least one resource account;

determine, based on the satellite-based communication component, a satellite-based communication transmission volume;

generate, based on the satellite-based communication transmission volume, a resource transmission satellite communication, wherein the resource transmission satellite communication comprises at least a portion of the resource transmission request;

transmit, via a satellite component, the resource transmission satellite communication to a resource transmission processing component; and

allow, in an instance where the at least one resource account meets the resource transmission request, the resource transmission request.

2. The system of claim 1 , wherein the computer-readable code causes the at least one processing device to perform the following operation

receive, from a satellite associated with the satellite-based communication component, a resource transmission satellite communication acknowledgement, wherein the resource transmission satellite communication acknowledgement comprises an acknowledgement of the received resource transmission satellite communication.

3. The system of claim 2 , wherein the computer-readable code causes the at least one processing device to perform the following operations:

generate, based on the satellite-based communication transmission volume, the resource transmission satellite communication,

wherein, in an instance where the resource transmission request exceeds the satellite-based communication transmission volume, the resource transmission satellite communication comprises a sequence of a plurality of portions of the resource transmission request;

transmit, based on the sequence of resource transmission request, the resource transmission satellite communication comprising the plurality of portions to the satellite component associated with the satellite-based communication component; and

receive, from the satellite component, at least one resource transmission satellite communication acknowledgement for the resource transmission satellite communication.

4. The system of claim 1 , wherein the computer-readable code causes the at least one processing device to perform the following operation

receive, from the resource transmission processing component, a resource transmission processing component acknowledgement, wherein the resource transmission processing component acknowledgement comprises an acknowledgement of the received resource transmission satellite communication.

5. The system of claim 1 , wherein the resource transmission request comprises a request to receive a resource at the resource account.

6. The system of claim 5 , wherein the computer-readable code causes the at least one processing device to perform the following operations:

receive a current geolocation data of the user device, wherein the current geolocation data comprises a geolocation of the user device at a time of the resource transmission request;

determine, based on the geolocation of the user device, a resource type identifier;

identify a received resource associated with the resource transmission request, wherein the received resource comprises a received resource type identifier; and

determine whether to convert a received resource type of the received resource,

wherein, in an instance where the received resource type identifier matches the resource type identifier, do not convert the resource type of the received resource type to a resource type of the resource type identifier, or

wherein, in an instance where the received resource type identifier does not match the resource type identifier, convert the resource type of the received resource type to a resource type of the resource type identifier.

7. The system of claim 1 , wherein the computer-readable code causes the at least one processing device to perform the following operations:

identify a resource shipping object, wherein the resource shipping object comprises a physical resource associated with the resource transmission request and at least one satellite-based communication component;

receive a current geolocation data of the resource shipping object, wherein the current geolocation data is based on the at least one satellite-based communication component;

determine an intended recipient geolocation data of the resource transmission request;

compare the current geolocation data and the intended recipient geolocation data; and

automatically, in an instance where the current geolocation data and the intended recipient geolocation matches at a first time, allow the resource transmission request.

8. The system of claim 7 , wherein the computer-readable code causes the at least one processing device to perform the following operation

identify the current geolocation data of the resource shipping object, wherein the current geolocation data is based on at least one satellite-image of the resource shipping object.

9. The system of claim 8 , wherein the current geolocation data of the resource shipping object is received at pre-determined periodic periods.

10. The system of claim 8 , wherein the current geolocation data of the resource shipping object is identified at pre-determined periodic periods.

11. The system of claim 1 , wherein the user device is configured with a resource processing computing application.

12. The system of claim 1 , wherein the user device is a resource processing device.

13. The system of claim 1 , wherein the resource transmission request comprises at least one of a request to transmit a resource from the resource account or a request to receive a resource at the resource account.

14. A computer program product for generating resource transmissions using satellite-based communications, wherein the computer program product comprises at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions which when executed by a processing device are configured to cause the processor to perform the following operations:

identify a user device, wherein the user device comprises a satellite-based communication component;

generate, by the user device, a resource transmission request, wherein the resource transmission request is associated with at least one resource account;

determine, based on the satellite-based communication component, a satellite-based communication transmission volume;

generate, based on the satellite-based communication transmission volume, a resource transmission satellite communication, wherein the resource transmission satellite communication comprises at least a portion of the resource transmission request;

transmit, via a satellite component, the resource transmission satellite communication to a resource transmission processing component; and

allow, in an instance where the at least one resource account meets the resource transmission request, the resource transmission request.

15. The computer program product of claim 14 , wherein the resource transmission request comprises a request to receive a resource at the resource account.

16. The computer program product of claim 15 , wherein the processing device is further configured to cause the processor to perform the following operations:

receive a current geolocation data of the user device, wherein the current geolocation data comprises a geolocation of the user device at a time of the resource transmission request;

determine, based on the geolocation of the user device, a resource type identifier;

identify a received resource associated with the resource transmission request, wherein the received resource comprises a received resource type identifier; and

determine whether to convert a received resource type of the received resource,

wherein, in an instance where the received resource type identifier matches the resource type identifier, do not convert the resource type of the received resource type to a resource type of the resource type identifier, or

wherein, in an instance where the received resource type identifier does not match the resource type identifier, convert the resource type of the received resource type to a resource type of the resource type identifier.

17. The computer program product of claim 14 , wherein the processing device is further configured to cause the processor to perform the following operations:

identify a resource shipping object, wherein the resource shipping object comprises a physical resource associated with the resource transmission request and at least one satellite-based communication component;

receive a current geolocation data of the resource shipping object, wherein the current geolocation data is based on the at least one satellite-based communication component;

determine an intended recipient geolocation data of the resource transmission request;

compare the current geolocation data and the intended recipient geolocation data; and

automatically, in an instance where the current geolocation data and the intended recipient geolocation matches at a first time, allow the resource transmission request.

18. A computer-implemented method for generating resource transmissions using satellite-based communications, the computer-implemented method comprising:

identifying a user device, wherein the user device comprises a satellite-based communication component;

generating, by the user device, a resource transmission request, wherein the resource transmission request is associated with at least one resource account;

determining, based on the satellite-based communication component, a satellite-based communication transmission volume;

generating, based on the satellite-based communication transmission volume, a resource transmission satellite communication, wherein the resource transmission satellite communication comprises at least a portion of the resource transmission request;

transmitting, via a satellite component, the resource transmission satellite communication to a resource transmission processing component; and

allowing, in an instance where the at least one resource account meets the resource transmission request, the resource transmission request.

19. The computer-implemented method of claim 18 , wherein the resource transmission request comprises a request to receive a resource at the resource account.

20. The computer-implemented method of claim 19 , the computer-implemented method further comprising:

receiving a current geolocation data of the user device, wherein the current geolocation data comprises a geolocation of the user device at a time of the resource transmission request;

determining, based on the geolocation of the user device, a resource type identifier;

identifying a received resource associated with the resource transmission request, wherein the received resource comprises a received resource type identifier; and

determining whether to convert a received resource type of the received resource,

wherein, in an instance where the received resource type identifier matches the resource type identifier, not converting the resource type of the received resource type to a resource type of the resource type identifier, or

wherein, in an instance where the received resource type identifier does not match the resource type identifier, converting the resource type of the received resource type to a resource type of the resource type identifier.

Assignments (1)

Continuity (1)

References Cited (29)