IP Library Granted Patent US 12,445,533
Granted Patent B2
US 12,445,533 · App. 18/604,079 · Granted Oct 14, 2025

Dynamic caching based on a user's temporal and geographical location

Inventors: Shailendra Singh (Thane West, IN); Savitri Sibaram Desulu (Mumbai, IN); Thomas Boffin James (Mumbai, IN); Amrut Gopal Nayak (Mumbai, IN)
Assignee: Bank of America Corporation
H04L67/568H04L67/52
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Quick Facts
Patent No.
US 12,445,533
App. No.
18/604,079
Granted
Oct 14, 2025
Kind
B2
Abstract

A system for dynamically caching information includes a memory for storing location information and user information and a processor configured to periodically receive geolocation data associated with a first external device and store that geolocation data, along with a time stamp, as location information in the memory. After a predetermined period of time, the processor retrieves from the memory the location information corresponding to the predetermined time period. Machine learning is used to determine the probability of a first action. When the probability is higher than the first predetermined amount, the processor is configured to retrieve information needed to perform a first action and send the retrieved information to a second external device to store the information as cached information. This cached information is then used to perform a first action using the cached information on the second external device.

Claims (49)

1. A system for dynamically caching information, the system comprising:

a memory configured to store location information and user information; and

a processor operably coupled to the memory and configured to:

receive, periodically, geolocation data associated with a first external device;

store the received geolocation data with a time stamp to the location information in the memory;

retrieve, after a predetermined period of time from the memory, the location information corresponding to the predetermined time period;

determine, using a machine learning operation based on the location information, a probability for a first action to be performed by a user of the first external device;

retrieve from the memory, user information needed for performing the first action, when the probability of the first action being performed is greater than a predetermined amount;

send the retrieved user information to a second external device to store as cached information; and

perform the first action using the cached information.

2. The system of claim 1 , wherein the machine learning operation uses quantum generative artificial intelligence.

3. The system of claim 1 , wherein the user information comprises an account number and one or more of: rewards, incentives, limitations, or permissions.

4. The system of claim 1 , wherein the second external device is an edge server.

5. The system of claim 1 , wherein the second external device is a point-of-sale device.

6. The system of claim 1 , wherein the machine learning operation determines the probability for the first action based on both location and time.

7. The system of claim 1 , wherein the first external device is a user's portable personal device.

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

determine, using the machine learning operation a second probability for a second action to be performed by a user of the first external device;

retrieve from the memory, second user information needed for performing the second action, when the probability of the second action being performed is greater than the predetermined amount; and

send the retrieved second user information to a third external device to store as cached information.

9. The system of claim 8 , wherein the second action and the first action are actions that are performed at different times at a same location.

10. The system of claim 8 , wherein the second action and the first action are actions that are performed at different locations.

11. A method for dynamically caching information, comprising:

receiving, periodically, geolocation data associated with a first external device;

storing the received geolocation data with a time stamp to location information in a memory;

retrieving, after a predetermined period of time from the memory, the location information corresponding to the predetermined time period;

determining, using a machine learning operation based on the location information, a probability for a first action to be performed by a user of the first external device;

retrieving from the memory, user information needed for performing the first action, when the probability of the first action being performed is greater than a predetermined amount;

sending the retrieved user information to a second external device to store as cached information; and

performing the first action using the cached information.

12. The method of claim 11 , wherein the machine learning operation uses quantum generative artificial intelligence.

13. The method of claim 11 , wherein the user information comprises an account number and one or more of: rewards, incentives, limitations, or permissions.

14. The method of claim 11 , further comprising:

determining, using the machine learning operation a second probability for a second action to be performed by a user of the first external device;

retrieving from the memory, second user information needed for performing the second action, when the probability of the second action being performed is greater than the predetermined amount; and

sending the retrieved second user information to a third external device to store as cached information.

15. The method of claim 14 , wherein the second action and the first action are actions that are performed at different times at a same location.

16. The method of claim 14 , wherein the second action and the first action are actions that are performed at different locations.

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

receive, periodically, geolocation data associated with a first external device;

store the received geolocation data with a time stamp as location information in a memory;

retrieve, after a predetermined period of time from the memory, the location information corresponding to the predetermined time period;

determine, using a machine learning operation based on the location information, a probability for a first action to be performed by a user of the first external device;

retrieve from the memory, user information needed for performing the first action, when the probability of the first action being performed is greater than a predetermined amount;

send the retrieved user information to a second external device to store as cached information; and

perform the first action using the cached information.

18. The non-transitory computer-readable medium of claim 17 , wherein the machine learning operation uses quantum generative artificial intelligence.

19. The non-transitory computer-readable medium of claim 17 , wherein the user information comprises an account number and one or more of: rewards, incentives, limitations, or permissions.

20. The non-transitory computer-readable medium of claim 17 , wherein the machine learning operation determines the probability for the first action based on both location and time.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 14, 2024
From: SINGH, SHAILENDRA; DESULU, SAVITRI SIBARAM; JAMES, THOMAS BOFFIN; NAYAK, AMRUT GOPAL
To: BANK OF AMERICA CORPORATION
Reel/Frame 066765/0598 →
Continuity (1)
Related Publication 20250294083A1 · Sep 18, 2025
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