Granted Patent B2

US 12,536,270 · App. 18/473,437 · Granted Jan 27, 2026

Inventor: Shailendra Singh (Thane West, IN)

Assignee: Bank of America Corporation

G06F21/45

Abstract

Claims (144)

1 . A system, comprising:

a memory configured to store:

a first rule set associated with a first geographic area defined by a first geographic boundary; and

a second rule set associated with a second geographic area defined by a second geographic boundary; and

a processor operably coupled to the memory and configured to:

monitor the first geographic boundary of the first geographic area;

monitor the second geographic boundary of the second geographic area;

determine that a portion of the first geographic area overlaps with a portion of the second geographic area;

in response to determining that the portion of the first geographic area overlaps with the portion of the second geographic area:

define a first overlapping geographic area associated with a first merged geographic boundary, wherein the first merged geographic boundary comprises a portion of the first geographic boundary and a portion of the second geographic boundary;

generate a first merged rule set for the first overlapping geographic area by merging the first rule set and the second rule set, wherein generating the first merged rule set comprises executing, by the processor, a machine learning model on the first rule set and the second rule set, wherein the machine learning model is configured to analyze the first rule set and the second rule set and remove redundant information from the first rule set and the second rule set;

send the first merged rule set to a blockchain network, wherein the blockchain network validates the first merged rule set;

in response to sending the first merged rule set, receive a notification from the blockchain network, wherein the notification indicates that the first merged rule set is validated; and

in response to receiving the notification from blockchain network, store the first merged rule set in the memory;

determine that a user device is located within the first geographic area but not located within the first overlapping geographic area;

in response to determining that the user device is located within the first geographic area but not located within the first overlapping geographic area:

apply the first rule set in conjunction with interactions performed by the user device while in the first geographic area but not located within the first overlapping geographic area;

generate a first alert based on the first rule set; and

send a first message with the first alert to the user device;

determine that the user device is located within the second geographic area but not located within the first overlapping geographic area;

in response to determining that the user device is located within the second geographic area but not located within the first overlapping geographic area:

apply the second rule set in conjunction with interactions performed by the user device while in the second geographic area but not located within the first overlapping geographic area;

generate a second alert based on the first rule set; and

send a second message with the second alert to the user device;

determine that the user device is located within the first overlapping geographic area; and

in response to determining that the user device is located within the first overlapping geographic area:

apply the first merged rule set in conjunction with interactions performed by the user device while in the first overlapping geographic area;

generate a first merged alert based on the first merged rule set, the first merged alert comprising merged information of the first alert and the second alert; and

send a third message with the first merged alert to the user device.

2 . The system of claim 1 , wherein:

the memory is further configured to store a third rule set associated with a third geographic area defined by a third geographic boundary; and

the processor is further configured to:

monitor the first merged geographic boundary of the first overlapping geographic area;

monitor the third geographic boundary of the third geographic area;

determine that a portion of the third geographic area overlaps with a portion of the first overlapping geographic area;

in response to determining that the portion of the third geographic area overlaps with the portion of the first overlapping geographic area:

define a second overlapping geographic area associated with a second merged geographic boundary, wherein the second merged geographic boundary comprises a portion of the first merged geographic boundary and a portion of the third geographic boundary;

generate a second merged rule set for the second overlapping geographic area by merging the first merged rule set and the third rule set; and

store the second merged rule set in the memory;

determine that the user device is located within the second overlapping geographic area; and

in response to determining that the user device is located within the second overlapping geographic area:

apply the second merged rule set in conjunction with interactions performed by the user device while in the second overlapping geographic area;

generate a second merged alert based on the second merged rule set, the second merged alert comprising merged information of the first merged alert and the third alert; and

send a fourth message with the second merged alert to the user device.

3 . The system of claim 1 , wherein:

the first rule set comprises rules associated with security of the interactions performed by the user device while in the first geographic area;

the second rule set comprises rules associated with security of the interactions performed by the user device while in the second geographic area; and

the first merged rule set comprises rules associated with security of the interactions performed by the user device while in the first overlapping geographic area.

4 . The system of claim 1 , wherein the interactions performed by the user device include receiving location-based services over a communication network.

5 . The system of claim 1 , wherein the processor determines a location of the user device based on GPS coordinates of the user device at a particular time.

6 . The system of claim 1 , wherein:

the first merged geographic boundary comprises a series of location coordinates; and

the processor determines that the user device is located within the first overlapping geographic area based at least in part upon GPS coordinates of the user device in relation to the series of location coordinates of the first merged geographic boundary.

7 . A method comprising:

monitoring a first geographic boundary of a first geographic area;

monitoring a second geographic boundary of a second geographic area;

determining that a portion of the first geographic area overlaps with a portion of the second geographic area;

in response to determining that the portion of the first geographic area overlaps with the portion of the second geographic area:

defining a first overlapping geographic area associated with a first merged geographic boundary, wherein the first merged geographic boundary comprises a portion of the first geographic boundary and a portion of the second geographic boundary;

generating a first merged rule set for the first overlapping geographic area by merging a first rule set and a second rule set, wherein the first rule set is associated with the first geographic area and the second rule set is associated with the second geographic area, wherein generating the first merged rule set comprises executing a machine learning model on the first rule set and the second rule set, wherein the machine learning model is configured to analyze the first rule set and the second rule set and remove redundant information from the first rule set and the second rule set;

sending the first merged rule set to a blockchain network, wherein the blockchain network validates the first merged rule set;

in response to sending the first merged rule set, receiving a notification from the blockchain network, wherein the notification indicates that the first merged rule set is validated; and

in response to receiving the notification from blockchain network, storing the first merged rule set;

determining that a user device is located within the first geographic area but not located within the first overlapping geographic area;

in response to determining that the user device is located within the first geographic area but not located within the first overlapping geographic area:

applying the first rule set in conjunction with interactions performed by the user device while in the first geographic area but not located within the first overlapping geographic area;

generating a first alert based on the first rule set; and

sending a first message with the first alert to the user device;

determining that the user device is located within the second geographic area but not located within the first overlapping geographic area;

in response to determining that the user device is located within the second geographic area but not located within the first overlapping geographic area:

applying the second rule set in conjunction with interactions performed by the user device while in the second geographic area but not located within the first overlapping geographic area;

generating a second alert based on the first rule set; and

sending a second message with the second alert to the user device;

determining that the user device is located within the first overlapping geographic area; and

in response to determining that the user device is located within the first overlapping geographic area:

applying the first merged rule set in conjunction with interactions performed by the user device while in the first overlapping geographic area;

generating a first merged alert based on the first merged rule set, the first merged alert comprising merged information of the first alert and the second alert; and

sending a third message with the first merged alert to the user device.

8 . The method of claim 7 , further comprising:

monitoring the first merged geographic boundary of the first overlapping geographic area;

monitoring a third geographic boundary of a third geographic area;

determining that a portion of the third geographic area overlaps with a portion of the first overlapping geographic area;

in response to determining that the portion of the third geographic area overlaps with the portion of the first overlapping geographic area:

defining a second overlapping geographic area associated with a second merged geographic boundary, wherein the second merged geographic boundary comprises a portion of the first merged geographic boundary and a portion of the third geographic boundary;

generating a second merged rule set for the second overlapping geographic area by merging the first merged rule set and the third rule set, wherein the third rule set is associated with the third geographic area; and

storing the second merged rule set;

determining that the user device is located within the second overlapping geographic area; and

in response to determining that the user device is located within the second overlapping geographic area:

applying the second merged rule set in conjunction with interactions performed by the user device while in the second overlapping geographic area;

generating a second merged alert based on the second merged rule set, the second merged alert comprising merged information of the first merged alert and the third alert; and

sending a fourth message with the second merged alert to the user device.

9 . The method of claim 7 , wherein:

the first rule set comprises rules associated with security of the interactions performed by the user device while in the first geographic area;

the second rule set comprises rules associated with security of the interactions performed by the user device while in the second geographic area; and

the first merged rule set comprises rules associated with security of the interactions performed by the user device while in the first overlapping geographic area.

10 . The method of claim 7 , wherein the interactions performed by the user device include receiving location-based services over a communication network.

11 . The method of claim 7 , further comprising determining a location of the user device based on GPS coordinates of the user device at a particular time.

12 . The method of claim 7 , wherein:

the first merged geographic boundary comprises a series of location coordinates; and

determining that the user device is located within the first overlapping geographic area comprises determining a location of the user device based at least in part upon GPS coordinates of the user device in relation to the series of location coordinates of the first merged geographic boundary.

13 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:

monitor a first geographic boundary of a first geographic area;

monitor a second geographic boundary of a second geographic area;

determine that a portion of the first geographic area overlaps with a portion of the second geographic area;

in response to determining that the portion of the first geographic area overlaps with the portion of the second geographic area:

define a first overlapping geographic area associated with a first merged geographic boundary, wherein the first merged geographic boundary comprises a portion of the first geographic boundary and a portion of the second geographic boundary;

generate a first merged rule set for the first overlapping geographic area by merging a first rule set and a second rule set, wherein the first rule set is associated with the first geographic area and the second rule set is associated with the second geographic area, wherein generating the first merged rule set comprises executing a machine learning model on the first rule set and the second rule set, wherein the machine learning model is configured to analyze the first rule set and the second rule set and remove redundant information from the first rule set and the second rule set;

send the first merged rule set to a blockchain network, wherein the blockchain network validates the first merged rule set;

in response to sending the first merged rule set, receive a notification from the blockchain network, wherein the notification indicates that the first merged rule set is validated; and

in response to receiving the notification from blockchain network, store the first merged rule set;

determine that a user device is located within the first geographic area but not located within the first overlapping geographic area;

in response to determining that the user device is located within the first geographic area but not located within the first overlapping geographic area:

apply the first rule set in conjunction with interactions performed by the user device while in the first geographic area but not located within the first overlapping geographic area;

generate a first alert based on the first rule set; and

send a first message with the first alert to the user device;

determine that the user device is located within the second geographic area but not located within the first overlapping geographic area;

in response to determining that the user device is located within the second geographic area but not located within the first overlapping geographic area:

apply the second rule set in conjunction with interactions performed by the user device while in the second geographic area but not located within the first overlapping geographic area;

generate a second alert based on the first rule set; and

send a second message with the second alert to the user device;

determine that the user device is located within the first overlapping geographic area; and

in response to determining that the user device is located within the first overlapping geographic area:

apply the first merged rule set in conjunction with interactions performed by the user device while in the first overlapping geographic area;

generate a first merged alert based on the first merged rule set, the first merged alert comprising merged information of the first alert and the second alert; and

send a third message with the first merged alert to the user device.

14 . The non-transitory computer-readable medium of claim 13 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to:

monitor the first merged geographic boundary of the first overlapping geographic area;

monitor a third geographic boundary of a third geographic area;

determine that a portion of the third geographic area overlaps with a portion of the first overlapping geographic area;

in response to determining that the portion of the third geographic area overlaps with the portion of the first overlapping geographic area:

define a second overlapping geographic area associated with a second merged geographic boundary, wherein the second merged geographic boundary comprises a portion of the first merged geographic boundary and a portion of the third geographic boundary;

generate a second merged rule set for the second overlapping geographic area by merging the first merged rule set and the third rule set, wherein the third rule set is associated with the third geographic area; and

store the second merged rule set;

determine that the user device is located within the second overlapping geographic area; and

in response to determining that the user device is located within the second overlapping geographic area:

apply the second merged rule set in conjunction with interactions performed by the user device while in the second overlapping geographic area;

generate a second merged alert based on the second merged rule set, the second merged alert comprising merged information of the first merged alert and the third alert; and

send a fourth message with the second merged alert to the user device.

15 . The non-transitory computer-readable medium of claim 13 , wherein:

the first rule set comprises rules associated with security of the interactions performed by the user device while in the first geographic area;

the second rule set comprises rules associated with security of the interactions performed by the user device while in the second geographic area; and

the first merged rule set comprises rules associated with security of the interactions performed by the user device while in the first overlapping geographic area.

16 . The non-transitory computer-readable medium of claim 13 , wherein the interactions performed by the user device include receiving location-based services over a communication network.

17 . The non-transitory computer-readable medium of claim 13 , further comprising determining a location of the user device based on GPS coordinates of the user device at a particular time.

Assignments (1)

Continuity (1)

References Cited (25)