Multicomputer processing of user data with centralized event control

• US 10,462,150 B2
• Filed: 10/13/2017
• Issued: 10/29/2019
• Est. Priority Date: 10/13/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Gahnoog, Mohamed A., Wadley, Cameron Darnell, Vuong, Minh N., Davis, Gail R., Dravneek, Victoria L., Varghese, Susan, Stahlhut, William August, Dintenfass, Katherine
• Primary Examiner(s): Zaidi, Syed A
• Application Number:
  US15/783,671
• Publication Number:
  US 20190116187A1
• Time in Patent Office: 746 Days
• Field of Search: 726 4
• CPC Class Codes: G06N 20/00 Machine learning
• CPC Class Codes: G06N 5/025 Extracting rules from data
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/105 Multiple levels of security
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46

Abstract

Aspects of the disclosure relate to multicomputer processing of data from social media service computing platforms and other sources with centralized event control. A first computing platform may receive a request to authorize an event from a first device as well as information from one or more social media service computing platforms. The first computing platform may determine whether or not to authorize the event and may request authorization for the event from a second device. Subsequently, the first computing platform may command a second computing platform to authorize or not authorize the event accordingly. The rules and conditions evaluated by the first computing platform in determining whether or not to authorize the event may be determined or altered by a machine learning engine of the first computing platform.

Claims

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;

establish, via the communication interface, a first connection to a subordinate user computing device;

while the first connection is established, receive, via the communication interface, from the subordinate user computing device, a request to authorize an event;

establish, via the communication interface, a second plurality of connections to a plurality of social media service computing platforms;

while the second plurality of connections is established, receive first information from at least one of the plurality of social media service computing platforms;

determine, based on a comparison of the request to authorize the event with the first information received from the at least one of the plurality of social media service computing platforms, to authorize the request;

in response to determining to authorize the request, generate a command directing an event validation computing platform to authorize the event;

transmit, prior to transmitting the command, to a supervisory user computing device associated with a supervisory user, a request for supervisory authorization of the event;

receive, from the supervisory user computing device associated with a supervisory user, a command instructing the computing platform to authorize the event;

compare the request for supervisory authorization of the event with the command received from the supervisory user computing device instructing the computing platform to authorize the event;

determine, based on the comparing of the request for supervisory authorization of the event with the command received from the supervisory user computing device instructing the computing platform to authorize the event, at least one difference between the request for supervisory authorization of the event and the command received from the supervisory user computing device instructing the computing platform to authorize the event; and

prior to transmitting the command directing the event validation computing platform to authorize the event, modify, based on the at least one difference, the command directing the event validation computing platform to authorize the event; and

transmit, via the communication interface, to the event validation computing platform, the command directing the event validation computing platform to authorize the event, wherein transmitting the command directing the event validation computing platform to authorize the event causes the event validation computing platform to execute one or more actions enabling the subordinate user computing device to initiate the event.

2. 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:

establish, via the communication interface, a third connection to the event validation computing platform;

while the third connection is established, receive, via the communication interface, from the event validation computing platform, a plurality of authorization rules;

compare the request to authorize the event to each of the plurality of authorization rules; and

prior to determining to authorize the request, determine that the request to authorize the event satisfies each of the plurality of authorization rules.

3. The computing platform of claim 2, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:

reprogram functionality of the computing platform, using a machine learning engine, to alter at least one of the plurality of authorization rules based on additional information received from the plurality of social media service computing platforms.

4. 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:

identify a first characteristic of the first information;

identify a second characteristic of the request to authorize the event, wherein the second characteristic is related to the first characteristic;

compare the first characteristic of the first information with the second characteristic of the request to authorize the event; and

verify, based on the comparing of the first characteristic of the first information with the second characteristic of the request to authorize the event, and prior to determining to authorize the request, that the first characteristic of the first information verifies at least one characteristic of the request to authorize the event is accurate.

5. The computing platform of claim 1, wherein the command directing the event validation computing platform to authorize the event comprises a one-time use authorization token corresponding to the event, and wherein transmitting the command directing the event validation computing platform to authorize the event further causes the event validation computing platform to execute one or more actions enabling the subordinate user computing device to initiate the event exactly once.

6. 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:

transmit, via the communication interface, to the subordinate user computing device, a notification that the computing platform has transmitted a command directing the event validation computing platform to authorize the event, wherein the notification comprises an identification of the event and at least one piece of information from the command directing the event validation computing platform to authorize the event.

7. 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:

record, in a database, an entry corresponding to the event, wherein the entry includes information associated with the command directing the event validation computing platform to authorize the event.

8. 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:

compare the request to authorize the event with the command directing the event validation computing platform to authorize the event;

determine, based on the comparing of the request to authorize the event with the command directing the event validation computing platform to authorize the event, a second event; and

transmit, to the subordinate user computing device, a recommendation for the second event.

9. A method, comprising:

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

establishing, via the communication interface, a first connection to a subordinate user computing device;

while the first connection is established, receiving, via the communication interface, from the subordinate user computing device, a request to authorize an event;

establishing, via the communication interface, a second plurality of connections to a plurality of social media service computing platforms;

while the second plurality of connections is established, receiving first information from at least one of the plurality of social media service computing platforms;

determining, based on a comparison of the request to authorize the event with the first information received from the at least one of the plurality of social media service computing platforms, to authorize the request;

in response to determining to authorize the request, generating a command directing an event validation computing platform to authorize the event;

transmitting, prior to transmitting the command, to a supervisory user computing device associated with a supervisory user, a request for supervisory authorization of the event;

receiving, from the supervisory user computing device associated with a supervisory user, a command instructing the computing platform to authorize the event;

comparing the request for supervisory authorization of the event with the command received from the supervisory user computing device instructing the computing platform to authorize the event;

determining, based on the comparing of the request for supervisory authorization of the event with the command received from the supervisory user computing device instructing the computing platform to authorize the event, at least one difference between the request for supervisory authorization of the event and the command received from the supervisory user computing device instructing the computing platform to authorize the event; and

prior to transmitting the command directing the event validation computing platform to authorize the event, modifying, based on the at least one difference, the command directing the event validation computing platform to authorize the event; and

transmitting, via the communication interface, to the event validation computing platform, the command directing the event validation computing platform to authorize the event, wherein transmitting the command directing the event validation computing platform to authorize the event causes the event validation computing platform to execute one or more actions enabling the subordinate user computing device to initiate the event.

10. The method of claim 9, further comprising:

establishing, via the communication interface, a third connection to the event validation computing platform;

while the third connection is established, receiving, via the communication interface, from the event validation computing platform, a plurality of authorization rules;

comparing the request to authorize the event to each of the plurality of authorization rules; and

prior to determining to authorize the request, determining that the request to authorize the event satisfies each of the plurality of authorization rules.

11. The method of claim 10, further comprising:

reprogramming functionality of the computing platform, using a machine learning engine, to alter at least one of the plurality of authorization rules based on additional information received from the plurality of social media service computing platforms.

12. The method of claim 9, wherein the command directing the event validation computing platform to authorize the event comprises a one-time use authorization token corresponding to the event, and wherein transmitting the command directing the event validation computing platform to authorize the event further causes the event validation computing platform to execute one or more actions enabling the subordinate user computing device to initiate the event exactly once.

13. The method of claim 9, further comprising:

transmitting, via the communication interface, to the subordinate user computing device, a notification that the computing platform has transmitted a command directing the event validation computing platform to authorize the event, wherein the notification comprises an identification of the event and at least one piece of information from the command directing the event validation computing platform to authorize the event.

14. The method of claim 9, further comprising:

recording, in a database, an entry corresponding to the event, wherein the entry includes information associated with the command directing the event validation computing platform to authorize the event.

15. The method of claim 9, further comprising:

comparing the request to authorize the event with the command directing the event validation computing platform to authorize the event;

determining, based on the comparing of the request to authorize the event with the command directing the event validation computing platform to authorize the event, a second event; and

transmitting, to the subordinate user computing device, a recommendation for the second event.

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

establish, via the communication interface, a first connection to a subordinate user computing device;

while the first connection is established, receive, via the communication interface, from the subordinate user computing device, a request to authorize an event;

establish, via the communication interface, a second plurality of connections to a plurality of social media service computing platforms;

while the second plurality of connections is established, receive first information from at least one of the plurality of social media service computing platforms;

determine, based on a comparison of the request to authorize the event with the first information received from the at least one of the plurality of social media service computing platforms, to authorize the request;

in response to determining to authorize the request, generate a command directing an event validation computing platform to authorize the event;

transmit, prior to transmitting the command, to a supervisory user computing device associated with a supervisory user, a request for supervisory authorization of the event;

receive, from the supervisory user computing device associated with a supervisory user, a command instructing the computing platform to authorize the event;

compare the request for supervisory authorization of the event with the command received from the supervisory user computing device instructing the computing platform to authorize the event;

determine, based on the comparing of the request for supervisory authorization of the event with the command received from the supervisory user computing device instructing the computing platform to authorize the event, at least one difference between the request for supervisory authorization of the event and the command received from the supervisory user computing device instructing the computing platform to authorize the event; and

prior to transmitting the command directing the event validation computing platform to authorize the event, modify, based on the at least one difference, the command directing the event validation computing platform to authorize the event; and

transmit, via the communication interface, to the event validation computing platform, the command directing the event validation computing platform to authorize the event, wherein transmitting the command directing the event validation computing platform to authorize the event causes the event validation computing platform to execute one or more actions enabling the subordinate user computing device to initiate the event.