Granted Patent B2

US 12,489,795 · App. 18/624,664 · Granted Dec 2, 2025

Inventors: Saurabh Garg (Haryana, IN); Sandeep Kumar Chauhan (Miyapur Hyderabad, IN); Shailendra Singh (Maharashtra, IN)

Assignee: BANK OF AMERICA CORPORATION

H04L63/20H04L63/0435H04L63/107

Abstract

Claims (60)

1 . A system for auto-establishing secure connections for interrupted data transmissions, the system comprising:

a processing device;

a non-transitory storage device containing instructions when executed by the processing device, causes the processing device to perform the steps of:

identify an interrupted data transmission comprising a transmission data request;

transform the transmission data request to a distributed channel data format to generate a distributed channel data request;

transmit the distributed channel data request to an active acquirer switching platform;

identify, by the active acquirer switching platform, at least one available acquirer server;

select, by the active acquirer switching platform, a primary active acquirer server for the distributed channel data request,

wherein the primary active acquirer server is selected based on at least one of a priority based acquirer connection and an optimal route;

generate, based on the distributed channel data request and the primary active acquirer server, an acquirer data packet comprising authorized data from at least the transmission data request and device handler data of the primary active acquirer server in the distributed channel data format; and

transmit the acquirer data packet to the primary active acquirer server.

2 . The system of claim 1 , wherein the processing device is further configured to perform the steps of:

determine whether an interruption server of the interrupted data transmission can receive the transmission data request; and

transmit, in an instance where the interruption server can receive the transmission data request, the acquirer data packet to the interruption server.

3 . The system of claim 1 , wherein the interrupted data transmission is based on a recipient server interruption.

4 . The system of claim 1 , wherein the distributed channel data format is a new distribution capability format.

5 . The system of claim 1 , wherein the optimal route is based on a geographic proximity between a server for a recipient server interruption and the primary active acquirer server.

6 . The system of claim 1 , wherein the priority based acquirer connection comprises a dual signature shared between at least one active acquirer entity associated with the at least one active acquirer server and an interrupted entity associated with the interrupted data transmission.

7 . The system of claim 1 , wherein the processing device is further configured to perform the steps of:

generate a hash encryption;

apply the hash encryption to the distributed channel data request; and

transmit the hash encrypted distributed channel data request to the primary active acquirer server.

8 . The system of claim 1 , wherein the processing device is further configured to perform the steps of:

switch, using at least one device handler, an interrupted data transmission network to the primary active acquirer network associated with primary active acquirer server.

9 . The system of claim 1 , wherein the processing device is further configured to perform the steps of:

generate a distributed ledger comprising a ledger entry comprising at least the interrupted data transmission, the optimal route, the priority based acquirer connection, and the primary active acquirer server.

10 . A computer program product for auto-establishing secure connections for interrupted data transmissions, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:

identify an interrupted data transmission comprising a transmission data request;

transform the transmission data request to a distributed channel data format to generate a distributed channel data request;

transmit the distributed channel data request to an active acquirer switching platform;

identify, by the active acquirer switching platform, at least one available acquirer server;

select, by the active acquirer switching platform, a primary active acquirer server for the distributed channel data request,

wherein the primary active acquirer server is selected based on at least one of a priority based acquirer connection and an optimal route;

generate, based on the distributed channel data request and the primary active acquirer server, an acquirer data packet comprising authorized data from at least the transmission data request and device handler data of the primary active acquirer server in the distributed channel data format; and

transmit the acquirer data packet to the primary active acquirer server.

11 . The computer program product of claim 10 , wherein the interrupted data transmission is based on a recipient server interruption.

12 . The computer program product of claim 10 , wherein the distributed channel data format is a new distribution capability format.

13 . The computer program product of claim 10 , wherein the priority based acquirer connection comprises a dual signature shared between at least one active acquirer entity associated with the at least one active acquirer server and an interrupted entity associated with the interrupted data transmission.

14 . The computer program product of claim 10 , wherein the code further causes the apparatus to:

generate a hash encryption;

apply the hash encryption to the distributed channel data request; and

transmit the hash encrypted distributed channel data request to the primary active acquirer server.

15 . The computer program product of claim 10 , wherein the code further causes the apparatus to:

switch, using at least one device handler, an interrupted data transmission network to the primary active acquirer network associated with primary active acquirer server.

16 . A computer-implemented method for auto-establishing secure connections for interrupted data transmissions, the computer-implemented method comprising:

identifying an interrupted data transmission comprising a transmission data request;

transforming the transmission data request to a distributed channel data format to generate a distributed channel data request;

transmitting the distributed channel data request to an active acquirer switching platform;

identifying, by the active acquirer switching platform, at least one available acquirer server;

selecting, by the active acquirer switching platform, a primary active acquirer server for the distributed channel data request,

wherein the primary active acquirer server is selected based on at least one of a priority based acquirer connection and an optimal route;

generating, based on the distributed channel data request and the primary active acquirer server, an acquirer data packet comprising authorized data from at least the transmission data request and device handler data of the primary active acquirer server in the distributed channel data format; and

transmitting the acquirer data packet to the primary active acquirer server.

17 . The computer-implemented method of claim 16 , wherein the interrupted data transmission is based on a recipient server interruption.

18 . The computer-implemented method of claim 16 , wherein the distributed channel data format is a new distribution capability format.

19 . The computer-implemented method of claim 16 , wherein the priority based acquirer connection comprises a dual signature shared between at least one active acquirer entity associated with the at least one active acquirer server and an interrupted entity associated with the interrupted data transmission.

20 . The computer-implemented method of claim 16 , further comprising:

generating a hash encryption;

applying the hash encryption to the distributed channel data request; and

transmitting the hash encrypted distributed channel data request to the primary active acquirer server.

Assignments (1)

Continuity (1)

References Cited (34)