Granted Patent B2

US 12,437,304 · App. 17/702,480 · Granted Oct 7, 2025

Inventors: Puneetha Polasa (Telangana, IN); Bhagya Lakshmi Sudha Lavanya Mallidi (Hyderabad, IN); Udaya Kumar Raju Ratnakaram (Hyderabad, IN); Sandeep Kumar Chauhan (Hyderabad, IN)

Assignee: Bank of America Corporation

G06Q20/405G06Q20/4014G06Q20/409

Abstract

Claims (91)

1. A method for automatically initiating transactions through a network, the method comprising:

receiving, by an authorized computing device in a multi-device private network of a networked computing system and from a first computing device, a request to join the multi-device private network;

determining, by the authorized computing device and based on receiving, from the first computing device, a token unique to the multi-device private network, that the first computing device is approved to join the multi-device private network;

transmitting, by the authorized computing device and to the first computing device, communication and network protocol information enabling the first computing device to communicate with other devices in the multi-device private network;

updating a device registry to add the first computing device to a plurality of computing devices within the multi-device private network;

detecting, by the authorized computing device, a change in processing load associated with at least one computing device of the plurality of computing devices within the multi-device private network;

in response to the detecting, transmitting, to each computing device of the plurality of computing devices within the multi-device private network, a signal including a polling request for data about each computing device of the plurality of computing devices within the multi-device private network;

receiving, in response to the polling request, data about each computing device of the plurality of computing devices;

based on the data about each computing device of the plurality of computing devices, removing, from the device registry, a second computing device of the plurality of computing devices within the multi-device private network;

transmitting, to each remaining computing device of the plurality of computing devices within the multi-device private network, updated membership data of the remaining computing devices of the plurality of computing devices within the multi-device private network;

detecting, by the networked computing system, a plurality of transactions initiated by one or more computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, the multi-device private network providing access to a wide area network, wherein the networked computing system is configured to manage electronic transactions initiated by the one or more computing devices of the remaining computing devices of the plurality of computing devices in the multi-device private network;

storing, by the networked computing system, transaction attributes for the plurality of transactions in a transaction history database, the transaction attributes including one or more of: a cost, a quantity of a product, a date, or a device identifier;

automatically generating, by the networked computing system, a transaction triggering event, including:

determining, based on sensor data received from computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, a pattern of behavior from the plurality of transactions stored in the transaction history database, including identifying a recurring type of transaction for a particular product;

upon determining the pattern of behavior:

identifying one or more common transaction attributes between the plurality of transactions; and

defining a transaction triggering condition requiring the identified one or more common transaction attributes; and

implementing, by the networked computing system, the transaction triggering event, wherein the transaction triggering event is configured to cause the authorized computing device in the multi-device private network to generate, without user input and prior to transaction authorization, a transaction for purchasing a product upon the transaction triggering condition defined in the transaction triggering event being satisfied, wherein implementing the transaction triggering event includes:

causing a computing device of the one or more computing devices of the remaining computing devices of the plurality of computing devices in the multi-device private network to monitor for the transaction triggering condition defined in the transaction triggering event; and

causing a new transaction for purchasing the product to be generated, without user input, in response to determining that the transaction triggering condition has been met.

2. The method of claim 1 , further comprising:

performing transaction authorization for the new transaction after the new transaction has been generated based on the transaction triggering event.

3. The method of claim 1 , further comprising:

transmitting a notification to a user after generating the new transaction, the notification indicating that the transaction triggering condition defined in the transaction triggering event has been met, and requesting a confirmation from the user to process the generated new transaction.

4. The method of claim 2 , wherein performing the transaction authorization includes authorizing the new transaction based on one or more user defined transaction rules.

5. The method of claim 4 , further comprising:

upon determining that the new transaction is not authorized, automatically modifying, by the networked computing system, at least one parameter of the new transaction.

6. The method of claim 4 , further comprising:

upon determining that the new transaction is not authorized based on the one or more user defined transaction rules, transmitting the new transaction to a user for authorization.

7. The method of claim 1 , wherein the one or more common transaction attributes includes the date, and wherein the date is defined as a particular day of week or a particular day of month.

8. The method of claim 1 , wherein the plurality of transactions includes at least three separate transactions, and wherein determining the pattern of behavior from the plurality of transactions includes:

determining that the at least three separate transactions are separated by a same amount of time; and

determining that the at least three separate transactions include a purchase for a particular product.

9. The method of claim 1 , wherein the transaction attributes include a network communication security protocol.

10. A transaction processing apparatus in a multi-device private network comprising:

a processor; and

memory storing computer-readable instructions that, when executed, cause the transaction processing apparatus to:

receive, by an authorized computing device in the multi-device private network and from a first computing device, a request to join the multi-device private network;

determine, by the authorized computing device and based on receiving, from the first computing device, a token unique to the multi-device private network, that the first computing device is approved to join the multi-device private network;

transmit, by the authorized computing device and to the first computing device, communication and network protocol information enabling the first computing device to communicate with other devices in the multi-device private network;

update a device registry to add the first computing device to a plurality of computing devices within the multi-device private network;

detect, by the authorized computing device, a change in processing load associated with at least one computing device of the plurality of computing devices within the multi-device private network;

in response to the detecting, transmit, to each computing device of the plurality of computing devices within the multi-device private network, a signal including a polling request for data about each computing device of the plurality of computing devices within the multi-device private network;

receive, in response to the polling request, data about each computing device of the plurality of computing devices;

based on the data about each computing device of the plurality of computing devices, remove, from the device registry, a second computing device of the plurality of computing devices within the multi-device private network;

transmit, to each remaining computing device of the plurality of computing devices within the multi-device private network, updated membership data of the remaining computing devices of the plurality of computing devices within the multi-device private network;

detect a plurality of transactions initiated by one or more computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, the multi-device private network providing access to a wide area network, wherein the transaction processing apparatus is configured to manage electronic transaction processing for the one or more computing devices of the remaining computing devices of the plurality of computing devices in the multi-device private network;

store transaction attributes for the plurality of transactions in a transaction history database, the transaction attributes including one or more of: a cost, a quantity of a product, a date, or a device identifier;

automatically generate a transaction triggering event, including:

determining, based on sensor data received from computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, a pattern of behavior from the plurality of transactions stored in the transaction history database, including identifying a recurring type of transaction for a particular product;

upon determining the pattern of behavior:

identifying one or more common transaction attributes between the plurality of transactions; and

defining a transaction triggering condition requiring the identified one or more common transaction attributes; and

implement the transaction triggering event, wherein the transaction triggering event is configured to cause the authorized computing device in the multi-device private network to generate, without user input and prior to transaction authorization, a transaction for purchasing a product upon the transaction triggering condition defined in the transaction triggering event being satisfied, wherein implementing the transaction triggering event includes:

causing a computing device of the one or more computing devices of the remaining computing devices of the plurality of computing devices in the multi-device private network to monitor for the transaction triggering condition defined in the transaction triggering event; and

causing a new transaction for purchasing the product to be generated, without user input, in response to determining that the transaction triggering condition has been met.

11. The transaction processing apparatus of claim 10 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

perform transaction authorization for the new transaction after the new transaction has been generated based on the transaction triggering event.

12. The transaction processing apparatus of claim 10 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

transmit a notification to a user after generating the new transaction, the notification indicating that the transaction triggering condition defined in the transaction triggering event have been met, and requesting a confirmation from the user to process the generated new transaction.

13. The transaction processing apparatus of claim 11 , wherein performing the transaction authorization includes authorizing the new transaction based on one or more user defined transaction rules.

14. The transaction processing apparatus of claim 13 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

upon determining that the new transaction is not authorized, automatically modifying at least one parameter of the new transaction.

15. The transaction processing apparatus of claim 13 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

upon determining that the new transaction is not authorized based on the one or more user defined transaction rules, transmit the new transaction to a user for authorization.

16. A non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a transaction processing apparatus in a multi-device private network to:

receive, by an authorized computing device in the multi-device private network and from a first computing device, a request to join the multi-device private network;

determine, by the authorized computing device and based on receiving, from the first computing device, a token unique to the multi-device private network, that the first computing device is approved to join the multi-device private network;

transmit, by the authorized computing device and to the first computing device, communication and network protocol information enabling the first computing device to communicate with other devices in the multi-device private network;

update a device registry to add the first computing device to a plurality of computing devices within the multi-device private network;

detect, by the authorized computing device, a change in processing load associated with at least one computing device of the plurality of computing devices within the multi-device private network;

in response to the detecting, transmit, to each computing device of the plurality of computing devices within the multi-device private network, a signal including a polling request for data about each computing device of the plurality of computing devices within the multi-device private network;

receive, in response to the polling request, data about each computing device of the plurality of computing devices;

based on the data about each computing device of the plurality of computing devices, remove, from the device registry, a second computing device of the plurality of computing devices within the multi-device private network;

transmit, to each remaining computing device of the plurality of computing devices within the multi-device private network, updated membership data of the remaining computing devices of the plurality of computing devices within the multi-device private network;

detect a plurality of transactions initiated by one or more computing devices of the remaining computing devices of the plurality of computing devices within a multi-device private network, the multi-device private network providing access to a wide area network;

store transaction attributes for the plurality of transactions in a transaction history database, the transaction attributes including one or more of: a cost, a quantity of a product, a date, or a device identifier;

generate a transaction triggering event, including:

determining, based on sensor data received from computing devices of the remaining computing devices of the plurality of computing devices within the multi-device private network, a pattern of behavior from the plurality of transactions stored in the transaction history database;

upon determining the pattern of behavior:

identifying one or more common transaction attributes between the plurality of transactions; and

defining a transaction triggering condition requiring the identified one or more common transaction attributes; and

implement the transaction triggering event, wherein the transaction triggering event is configured to cause the authorized computing device in the multi-device private network to generate, without user input, a transaction for purchasing a product upon the transaction triggering condition defined in the transaction triggering event being satisfied.

17. The non-transitory computer-readable medium of claim 16 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

determine that the transaction triggering condition defined in the transaction triggering event have been met; and

generate a new transaction for the one or more devices in the multi-device private network.

18. The non-transitory computer-readable medium of claim 17 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

transmit a notification to a user after generating the new transaction, the notification indicating that the transaction triggering condition defined in the transaction triggering event have been met, and requesting a confirmation from the user to process the generated new transaction.

19. The non-transitory computer-readable medium of claim 17 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to authorize the new transaction based on one or more user defined transaction rules.

20. The non-transitory computer-readable medium of claim 19 , wherein the computer-readable instructions, when executed, further cause the transaction processing apparatus to:

upon determining that the new transaction is not authorized, modifying at least one parameter of the new transaction.

Assignments (1)

Continuity (1)

References Cited (45)