Marker code generation for resource distribution authority flagging

• US 10,366,392 B2
• Filed: 01/12/2017
• Issued: 07/30/2019
• Est. Priority Date: 01/12/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Kurian, Manu Jacob, Castinado, Joseph Benjamin
• Primary Examiner(s): Kelly, Rafferty D
• Application Number:
  US15/404,336
• Publication Number:
  US 20180197181A1
• Time in Patent Office: 929 Days
• Field of Search: 235375
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for generating unique marker codes for security implementation and deployment during authentication required resource disbursement. In this way, marker codes may be generated and associated with one or more resource disbursement mechanisms. The marker codes may be distributed and stored at third party devices. Upon identification of an input of a marker code, a specific response may be triggered. One or more marker codes may be associated with each disbursement mechanisms triggering various levels of responses from monitoring the resource disbursement to queuing communication with third party authorities for real-time dispatch. Thus, the system creates marker codes associated with non-obvious cues that control resource disbursement.

Claims

1. A system for marker code generation and deployment for authority flagging and dispatch, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

generate marker codes for one or more resource cards associated with a user, wherein the marker codes are coded for a specific pin input, bio-data input, or geo-data input that trigger a triggering response;

determine triggering response for each of the marker codes generated, wherein one or more marker codes are generated for each resource card associated with the user;

store user selected marker codes, automatically generated marker codes, and the determined triggering responses;

distribute marker code data to pin accepting devices and within the marker code data code for direct communication of a use of the marker codes;

identify the use of a marker code at a pin accepting device based on code direct communication from the pin accepting device;

communicate to necessary third parties the triggering response associated the marker code used by the user at the pin accepting device;

manipulate appropriate third party security and monitoring based on the triggering response associated the marker code used by the user at the pin accepting device; and

allow user cancelation of the triggering response based on use of a predetermined cancelation marker input at a user device or the pin accepting device.

2. The system of claim 1, wherein the marker codes include duress marker codes, caution marker codes, and/or time/amount marker codes.

3. The system of claim 2, wherein duress marker codes triggering response comprises communicating a silent signal call to the authorities requesting an immediate response to the location of the pin accepting device, wherein use of the duress marker code allows a transaction using the resource card to be completed at the pin accepting device.

4. The system of claim 2, wherein caution marker codes triggering response comprises allowing a transaction using the resource card to be completed at the pin accepting device and continual monitoring of future use of the resource card for misappropriation.

5. The system of claim 2, wherein time/amount marker codes triggering response comprises authorizing a transaction using the resource card to be completed at the pin accepting device under a predetermined amount of resource used to complete the transaction and within a predetermined time from for completion of the transaction.

6. The system of claim 1, wherein the pin input, bio-data input, or geo-data input of the marker code is different than a standard authorization pin required for authorizing the one or more resource cards.

7. The system of claim 1, wherein generating marker codes for one or more resource cards associated with a user further comprises allowing for user selected marker codes and triggering responses by providing the user with a marker code generation interface for user input of the marker codes and the triggering responses.

8. The system of claim 1, wherein the pin accepting device is an ATM or third party point of transaction device used to complete a transaction using the resource card of the user, wherein the resource card of the user is a transaction card requiring a standard authorization pin for authorizing the transaction using the resource card.

9. A computer program product for marker code generation and deployment for authority flagging and dispatch, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for generating marker codes for one or more resource cards associated with a user, wherein the marker codes are coded for a specific pin input, bio-data input, or geo-data input that trigger a triggering response;

an executable portion configured for determining triggering response for each of the marker codes generated, wherein one or more marker codes are generated for each resource card associated with the user;

an executable portion configured for storing user selected marker codes, automatically generated marker codes, and the determined triggering responses;

an executable portion configured for distributing marker code data to pin accepting devices and within the marker code data code for direct communication of a use of the marker codes;

an executable portion configured for identifying the use of a marker code at a pin accepting device based on code direct communication from the pin accepting device;

an executable portion configured for communicating to necessary third parties the triggering response associated the marker code used by the user at the pin accepting device;

an executable portion configured for manipulating appropriate third party security and monitoring based on the triggering response associated the marker code used by the user at the pin accepting device; and

an executable portion configured for allowing user cancelation of the triggering response based on use of a predetermined cancelation marker input at a user device or the pin accepting device.

10. The computer program product of claim 9, wherein the marker codes include duress marker codes, caution marker codes, and/or time/amount marker codes.

11. The computer program product of claim 10, wherein duress marker codes triggering response comprises communicating a silent signal call to the authorities requesting an immediate response to the location of the pin accepting device, wherein use of the duress marker code allows a transaction using the resource card to be completed at the pin accepting device.

12. The computer program product of claim 10, wherein caution marker codes triggering response comprises allowing a transaction using the resource card to be completed at the pin accepting device and continual monitoring of future use of the resource card for misappropriation.

13. The computer program product of claim 10, wherein time/amount marker codes triggering response comprises authorizing a transaction using the resource card to be completed at the pin accepting device under a predetermined amount of resource used to complete the transaction and within a predetermined time from for completion of the transaction.

14. The computer program product of claim 9, wherein the pin input, bio-data input, or geo-data input of the marker code is different than a standard authorization pin required for authorizing the one or more resource cards.

15. The computer program product of claim 9, wherein generating marker codes for one or more resource cards associated with a user further comprises allowing for user selected marker codes and triggering responses by providing the user with a marker code generation interface for user input of the marker codes and the triggering responses.

16. The computer program product of claim 9, wherein the pin accepting device is an ATM or third party point of transaction device used to complete a transaction using the resource card of the user, wherein the resource card of the user is a transaction card requiring a standard authorization pin for authorizing the transaction using the resource card.

17. A computer-implemented method for marker code generation and deployment for authority flagging and dispatch, the method comprising:

providing a computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations;

generating marker codes for one or more resource cards associated with a user, wherein the marker codes are coded for a specific pin input, bio-data input, or geo-data input that trigger a triggering response;

determining triggering response for each of the marker codes generated, wherein one or more marker codes are generated for each resource card associated with the user;

storing user selected marker codes, automatically generated marker codes, and the determined triggering responses;

distributing marker code data to pin accepting devices and within the marker code data code for direct communication of a use of the marker codes;

identifying the use of a marker code at a pin accepting device based on code direct communication from the pin accepting device;

communicating to necessary third parties the triggering response associated the marker code used by the user at the pin accepting device;

manipulating appropriate third party security and monitoring based on the triggering response associated the marker code used by the user at the pin accepting device; and

allowing user cancelation of the triggering response based on use of a predetermined cancelation marker input at a user device or the pin accepting device.

18. The computer-implemented method of claim 17, wherein the marker codes include duress marker codes, caution marker codes, and/or time/amount marker codes, wherein duress marker codes triggering response comprises communicating a silent signal call to the authorities requesting an immediate response to the location of the pin accepting device, wherein use of the duress marker code allows a transaction using the resource card to be completed at the pin accepting device, wherein caution marker codes triggering response comprises allowing a transaction using the resource card to be completed at the pin accepting device and continual monitoring of future use of the resource card for misappropriation, wherein time/amount marker codes triggering response comprises authorizing a transaction using the resource card to be completed at the pin accepting device under a predetermined amount of resource used to complete the transaction and within a predetermined time from for completion of the transaction.

19. The computer-implemented method of claim 17, wherein the pin input, bio-data input, or geo-data input of the marker code is different than a standard authorization pin required for authorizing the one or more resource cards.

20. The computer-implemented method of claim 17, wherein generating marker codes for one or more resource cards associated with a user further comprises allowing for user selected marker codes and triggering responses by providing the user with a marker code generation interface for user input of the marker codes and the triggering responses.