Real time digital issuance of resources

• US 10,129,754 B2
• Filed: 08/31/2016
• Issued: 11/13/2018
• Est. Priority Date: 08/31/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: England, Tony, Price, Elizabeth A., Agrawal, Shyam Kumar
• Primary Examiner(s): Korsak, Oleg
• Application Number:
  US15/253,672
• Publication Number:
  US 20180063118A1
• Time in Patent Office: 804 Days
• CPC Class Codes: H04L 67/00 Network arrangements or protocols for supporting network services or applications user-to-user messaging H04L51/00; network arrangements, protocols or services for supporting real-time applications in data packet communications networks H04L65/00
• CPC Class Codes: H04L 67/1097 for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
• CPC Class Codes: H04W 12/08 Access security

Abstract

Systems and devices are provided for real-time digital issuance/provisioning of digital resources. In accordance with embodiments of the invention, real-time provisioning of the digital resources occurs through access to a mobile application. In specific embodiments in which the user does not currently have authorization to use the mobile application, an authorization code is issued to a user and inputted via the mobile application as a means for verifying the identity of the user prior to provisioning the digital resource to the digital storage.

As such, by having the provisioning occur electronically via the mobile application provisioning of the digital resource is highly secure, in that, provisioning occurs without the user possessing or having knowledge of the digital resource credentials prior to provisioning.

Claims

1. A system for real-time provisioning of a digital resources, the system comprising:

a computing device comprising a first computing platform including a first memory and a first processor in communication with the memory;

a digital resource provisioning module stored in the memory, executable by the processor and configured to (i) receive a first input that requests real-time provisioning of a digital resources to a digital storage associated with a user, (ii) determine whether the user is currently authorized to use a mobile application that is configured for receiving the digital resources and storing digital resource in a digital storage, and (iii) in response to receiving the request and determining that the user is currently authorized to use the mobile application, communicate a provisioning command to a mobile application associated with the user;

a mobile communication device comprising a second computing platform including a second memory and a second processor in communication with the memory;

the mobile application stored in the second memory, executable by the second processor and configured to, in response to being receiving the provisioning command, receive a second input from the user that prompts the digital resource provisioning module to provision the digital resources to the digital storage, wherein based on determining that the user is currently authorized to use the mobile application, the second input does not include (i) an authorization code, and (ii) user credentials; and

the digital storage stored in the second memory, executable by the second processor and configured to, in response to receiving the second input from the user at the mobile application, store the digital resources and initiate activation of the digital resources.

2. The system of claim 1, wherein the digital resource provisioning module is further configured to (iv) in response to determining that the user is not currently authorized to use the mobile application, generate and an authorization code and communicate the authorization code with the provisioning command.

3. The system of claim 2, wherein the mobile application is further configured to (iv) in response to determining that the user is not currently authorized to use the mobile application, receive a third input from the user, wherein the third input includes the authorization code and at least one user credential, and (ii) communicate the authorization code and user credential to a verification entity.

4. The system claim 3, wherein the digital resource provisioning module is further configured to, in response to receiving notification of successful verification from the verification entity, initiate provisioning of the digital resource to the digital storage.

5. The system of claim 1, wherein the digital resource provisioning module is further configured, in response to receiving the second input at the mobile application, communicate digital resource credentials to the mobile application.

6. The system of claim 5, wherein the mobile application is further configured to, in response to receiving the digital resource credentials, communicate the digital resource credentials to the digital storage.

7. The system of claim 6, wherein the digital storage is further configured to, in response to receiving the digital resource credentials, communicate the digital resource credentials to a digital resource network and, in response to communicating the digital resource credentials to the digital resource network, receive and store a token associated with the digital resource credentials.

8. A mobile communication device for real-time provisioning of a digital resource to a digital storage, the system comprising:

a computing platform including a memory and a processor in communication with the memory;

a mobile application stored in the memory, executable by the processor and configured to, in response to receiving a provisioning command communicated from a digital resource provisioning module, receive an input from a user that prompts the digital resource provisioning module to provision the digital resource to a digital storage, wherein based on determining that the user is currently authorized to use the mobile application, the input does not include (i) an authorization code, or (ii) user credentials; and

a digital storage stored in the memory, executable by the processor and configured to, in response to receiving the second input from the user at the mobile application, store the digital resources and initiate activation of the digital resources on the digital storage.

9. The device of claim 8, wherein the mobile application is further configured to, in response to determining that the user is not authorized for use of the mobile application, request user input of an authorization code.

10. The device of claim 9, wherein the mobile application is further configured to in response to determining that the user is not currently authorized to use the mobile application, receive a second input from the user, wherein the second input includes the authorization code and at least one user credential.

11. The device claim 10, wherein, in response to successful verification of the authorization code and the user credential, provisioning of the digital resource is initiated by the digital resource provisioning module to the digital storage.

12. The device of claim 8, wherein the mobile application is further configured to, in response to receiving the input, receive digital resource credentials associated with the digital resource and communicate the digital resource credentials to the digital storage.

13. The device of claim 12, wherein the digital storage is further configured to, in response to receiving the digital resource credentials, communicate the digital resource credentials to a digital resource network and, in response to communicating the digital resource credentials to the digital resource network, receive and store a token associated with the digital resource credentials.