Granted Patent B2

US 12,261,778 · App. 18/125,256 · Granted Mar 25, 2025

Inventors: Manu Kurian (Dallas, TX); Paul Roscoe (Treuddyn Flintshire, GB); Padmanabhan Iyer (Cos Cob, CT); Mahesh Bhashetty (Plainsboro, NJ)

Assignee: Bank of America Corporation

H04L47/12H04L63/102H04L67/06

Abstract

Claims (68)

1. A computing platform, comprising:

at least one processor;

a communication interface communicatively coupled to the at least one processor; and

memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

receive, by a data container input and analysis module, one or more data container management files, each management file of the one or more data container management files being associated with a different data container;

store, by the data container input and analysis module, the one or more data container management files;

receive, by the data container input and analysis module, a first data container;

retrieve, by the data container input and analysis module, a first data container management file of the one or more data container management files, wherein the first data container management file is associated with the first data container;

perform, by the data container input and analysis module, a first preliminary analysis of the first data container, wherein the first preliminary analysis comprises analyzing the first data container management file to determine whether rerouting analysis is required for the first data container;

in response to determining that rerouting analysis is required for the first data container, send one or more analysis messages to a data container rerouting module;

receive, by the data container rerouting module, the one or more analysis messages;

retrieve, by the data container rerouting module, real-time authorization data for the first data container;

determine, by the data container rerouting module and based on the real-time authorization data for the first data container, that the first data container requires additional rerouting processing; and

queue, by the data container rerouting module, the first data container.

2. The computing platform of claim 1 , wherein the determining that the first data container requires additional rerouting processing comprises determining, by the data container rerouting module, that a first communication entity listed on a first predetermined communication path of the first data container management file matches a second communication entity listed in the real-time authorization data.

3. The computing platform of claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

reroute, by the data container rerouting module, the first data container by generating an updated first predetermined communication path for the first data container management file of the first data container.

4. The computing platform of claim 3 , wherein the determining that the first data container requires additional rerouting processing further comprises determining, by the data container rerouting module and based on the real-time authorization data, that the first data container is missing one or more data sets.

5. The computing platform of claim 4 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

retrieve the one or more missing data sets; and

generate an updated first data container by supplementing the first data container with the one or more missing data sets.

6. The computing platform of claim 5 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

send, by the data container rerouting module and to a communication entity listed in the updated first predetermined communication path, the updated first data container; and

send, by the data container rerouting module and to a second computing platform listed in the updated first predetermined communication path, the first data container management file, wherein the first data container management file comprises the updated first predetermined communication path.

7. The computing platform of claim 5 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

send, by the data container rerouting module, to the data container input and analysis module and in response to determining that the updated first data container requires additional preliminary processing, the updated first data container.

8. The computing platform of claim 7 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

receive, by the data container input and analysis module, the updated first data container from the data container rerouting module;

determine, by the data container input and analysis module, that a second preliminary analysis is to be performed on the updated first data container; and

perform, by the data container input and analysis module, the second preliminary analysis.

9. The computing platform of claim 8 , wherein the performing the second preliminary analysis comprises:

analyzing, by the data container input and analysis module, the updated first data container and the first data container management file to determine whether the updated first predetermined communication path requires additional throttling analysis of the first data container.

10. The computing platform of claim 9 , wherein analyzing the updated first predetermined communication path comprises comparing one or more communication entities from the updated first predetermined communication path with a stored list of one or more communication entities.

11. The computing platform of claim 3 , wherein the updated first predetermined communication path comprises one or more communication entities that are different than one or more communication entities in the real-time authorization data.

12. A method comprising:

at a computing platform comprising at least one processor, a communication interface, and memory:

receiving, by a data container input and analysis module, a first data container;

retrieving, by the data container input and analysis module, a first data container management file of the one or more data container management files, wherein the first data container management file is associated with the first data container;

performing, by the data container input and analysis module, a first preliminary analysis of the first data container, wherein the first preliminary analysis comprises analyzing the first data container management file to determine whether rerouting analysis is required for the first data container;

in response to determining that rerouting analysis is required for the first data container, sending one or more analysis messages to a data container rerouting module;

receiving, by the data container rerouting module, the one or more analysis messages;

retrieving, by the data container rerouting module, real-time authorization data for the first data container;

determining, by the data container rerouting module and based on the real-time authorization data for the first data container, that the first data container requires additional rerouting processing; and

queuing, by the data container rerouting module, the first data container.

13. The method of claim 12 , wherein the determining that the first data container requires additional rerouting processing comprises determining, by the data container rerouting module, that a first communication entity listed on a first predetermined communication path of the first data container management file matches a second communication entity listed in the real-time authorization data.

14. The method of claim 13 , further comprising:

rerouting, by the data container rerouting module, the first data container by generating an updated first predetermined communication path for the first data container management file of the first data container.

15. The method of claim 14 , wherein the updated first predetermined communication path comprises one or more communication entities that are different than one or more communication entities in the real-time authorization data.

16. The method of claim 14 , wherein the determining that the first data container requires additional rerouting processing further comprises determining, by the data container rerouting module and based on the real-time authorization data, that the first data container is missing one or more data sets.

17. The method of claim 16 , further comprising:

retrieving the one or more missing data sets; and

generating an updated first data container by supplementing the first data container with the one or more missing data sets.

18. The method of claim 17 , further comprising:

sending, by the data container rerouting module and to a communication entity listed in the updated first predetermined communication path, the updated first data container; and

sending, by the data container rerouting module and to a second computing platform listed in the updated first predetermined communication path, the first data container management file, wherein the first data container management file comprises the updated first predetermined communication path.

19. The method of claim 17 , further comprising:

sending, by the data container rerouting module, to the data container input and analysis module and in response to determining that the updated first data container requires additional preliminary processing, the updated first data container.

20. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, a communication interface, and memory, cause the computing platform to:

receive, by a data container input and analysis module, one or more data container management files, each management file of the one or more data container management files being associated with a different data container;

store, by the data container input and analysis module, the one or more data container management files;

receive, by the data container input and analysis module, a first data container;

retrieve, by the data container input and analysis module, a first data container management file of the one or more data container management files, wherein the first data container management file is associated with the first data container;

perform, by the data container input and analysis module, a first preliminary analysis of the first data container, wherein the first preliminary analysis comprises analyzing the first data container management file to determine whether rerouting analysis is required for the first data container;

in response to determining that rerouting analysis is required for the first data container, send one or more analysis messages to a data container rerouting module;

receive, by the data container rerouting module, the one or more analysis messages;

retrieve, by the data container rerouting module, real-time authorization data for the first data container;

determine, by the data container rerouting module and based on the real-time authorization data for the first data container, that the first data container requires additional rerouting processing; and

queue, by the data container rerouting module, the first data container.

Assignments (1)

Continuity (1)

References Cited (11)