Using smart data to enable profile-based transactions

• US 10,679,220 B2
• Filed: 11/28/2017
• Issued: 06/09/2020
• Est. Priority Date: 11/28/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Sundaramoorthy, Crystal M., Tsagris, Dimitra J., Kurian, Manu
• Primary Examiner(s): Wang, Liang Che A
• Assistant Examiner(s): Aguiar, Johnny B
• Application Number:
  US15/824,024
• Publication Number:
  US 20190164168A1
• Time in Patent Office: 924 Days
• Field of Search: 709203, 709206, 709217, 709224, 705 261, 705 2641, 705 2643, 705 44, 4554561
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0617 Representative agent
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 63/0281 Proxies
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 67/141 Setup of application sessions admission control or resource allocation in data switching networks H04L47/70
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/52 specially adapted for the location of the user terminal
• CPC Class Codes: H04L 67/53 using third party service providers

Abstract

Aspects of the disclosure relate to implementing and using a data processing system to generate a plurality of user profiles including linked user accounts. An instruction for a transaction may be received from a first user computing device, and a request to complete the transaction on behalf of the first user may be transmitted to a second user computing device. Upon receiving appropriate authorizations, the computing platform may transmit to a participant an instruction to complete the transaction with the second user on behalf of the first user.

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;

receive, via the communication interface, user information for a plurality of users and generate a corresponding plurality of user profiles, each user profile including one or more linked user accounts;

establish, via the communication interface, a first connection with a first user computing device associated with a first user and, while the first connection is established, receive from the first user computing device an instruction for a transaction;

process the transaction instruction in an event validation computing platform and, upon validating the transaction instruction, establish, via the communication interface, a second connection with a second user computing device associated with a validated second user, the second user being in a predefined relationship with the first user and, while the second connection is established, transmit to the second user computing device a request to complete the transaction on behalf of the first user, wherein the request, when executed by the second user computing device, causes a notification to be displayed on the second user computing device;

establish, via the communication interface, a third connection with a first participant computing platform and, while the third connection is established, transmit to the first participant computing platform an instruction to complete the transaction with the second user on behalf of the first user; and

establish, via the communication interface, a fifth connection with an event control computing platform and, while the fifth connection is established, assign to the second user a reliability rating in completing transactions on behalf of other users, wherein the event validation computing platform weighs any positive and negative feedback for the second user from the transactions on behalf of the other users as criteria for validating the transaction instruction, wherein the second user is precluded from completing the transaction on behalf of the first user based on unresolved negative feedback, and wherein the notification to be displayed on the second user computing device includes information relating to the reliability rating.

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 fourth connection with a plurality of user computing devices and, while the fourth connection is established, receive user preference information from the plurality of user computing devices, wherein the user preference information is used to generate the corresponding plurality of user profiles.

3. 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 fourth connection with an administrative computing device and, while the fourth connection is established, receive from the administrative computing device linked user account information for the plurality of users, wherein the linked user account information is used to generate the plurality of user profiles.

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:

establish, via the communication interface, a fourth connection with a social media computing platform and, while the fourth connection is established, receive from the social media computing platform social media information for the plurality of users, wherein the social media information is used to generate the plurality of user profiles.

5. 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:

receive, via the communication interface, geolocation information for the second user computing device, wherein the request to complete the transaction on behalf of the first user is generated based on a geolocation of the second user computing device.

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 first user computing device, a request to authorize the transaction which, when executed by the first user computing device, causes a notification to be displayed on the first user computing device; and

wherein the instruction to complete the transaction is transmitted to the first participant computing platform upon receiving an authorization from the first user computing device.

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:

establish, via the communication interface, a fourth connection with a machine learning engine and, based on a machine learning dataset, modify one or more of the plurality of user profiles.

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:

while the third connection is established, receive, via the communication interface, from the first participant computing platform, itemized information allocating items within the transaction to a plurality of users; and

update the linked user accounts of the respective plurality of users.

9. A method, comprising:

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

receiving, via the communication interface, user information for a plurality of users and generating a corresponding plurality of user profiles, each user profile including one or more linked user accounts;

establishing, via the communication interface, a first connection with a first user computing device associated with a first user and, while the first connection is established, receiving from the first user computing device an instruction for a transaction;

processing the transaction instruction in an event validation computing platform and, upon validating the transaction instruction, establishing, via the communication interface, a second connection with a second user computing device associated with a validated second user, the second user being in a predefined relationship with the first user and, while the second connection is established, transmitting to the second user computing device a request to complete the transaction on behalf of the first user, wherein the request, when executed by the second user computing device, causes a notification to be displayed on the second user computing device;

establishing, via the communication interface, a third connection with a first participant computing platform and, while the third connection is established, transmitting to the first participant computing platform an instruction to complete the transaction with the second user on behalf of the first user; and

establishing, via the communication interface, a fifth connection with an event control computing platform and, while the fifth connection is established, assigning to the second user a reliability rating in completing transactions on behalf of other users, wherein the event validation computing platform weighs any positive and negative feedback for the second user from the transactions on behalf of the other users as criteria for validating the transaction instruction, wherein the second user is precluded from completing the transaction on behalf of the first user based on unresolved negative feedback, and wherein the notification to be displayed on the second user computing device includes information relating to the reliability rating.

10. The method of claim 9, further comprising:

establishing, via the communication interface, a fourth connection with a plurality of user computing devices and, while the fourth connection is established, receiving user preference information from the plurality of user computing devices, wherein the user preference information is used to generate the corresponding plurality of user profiles.

11. The method of claim 9, further comprising:

establishing, via the communication interface, a fourth connection with an administrative computing device and, while the fourth connection is established, receiving from the administrative computing device linked user account information for the plurality of users, wherein the linked user account information is used to generate the plurality of user profiles.

12. The method of claim 9, further comprising:

establishing, via the communication interface, a fourth connection with a social media computing platform and, while the fourth connection is established, receiving from the social media computing platform social media information for the plurality of users, wherein the social media information is used to generate the plurality of user profiles.

13. The method of claim 9, further comprising:

receiving, via the communication interface, geolocation information for the second user computing device, wherein the request to complete the transaction on behalf of the first user is generated based on a geolocation of the second user computing device.

14. The method of claim 9, further comprising:

transmitting, via the communication interface, to the first user computing device, a request to authorize the transaction which, when executed by the first user computing device, causes a notification to be displayed on the first user computing device; and

wherein the instruction to complete the transaction is transmitted to the first participant computing platform upon receiving an authorization from the first user computing device.

15. The method of claim 9, further comprising:

establishing, via the communication interface, a fourth connection with a machine learning engine and, based on a machine learning dataset, modifying one or more of the plurality of user profiles.

16. The method of claim 9, further comprising:

while the third connection is established, receiving, via the communication interface, from the first participant computing platform, itemized information allocating items within the transaction to a plurality of users; and

updating the linked user accounts of the respective plurality of users.

17. 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:

receive, via the communication interface, user information for a plurality of users and generate a corresponding plurality of user profiles, each user profile including one or more linked user accounts;

establish, via the communication interface, a first connection with a first user computing device associated with a first user and, while the first connection is established, receive from the first user computing device an instruction for a transaction;

process the transaction instruction in an event validation computing platform and, upon validating the transaction instruction, establish, via the communication interface, a second connection with a second user computing device associated with a validated second user, the second user being in a predefined relationship with the first user and, while the second connection is established, transmit to the second user computing device a request to complete the transaction on behalf of the first user, wherein the request, when executed by the second user computing device, causes a notification to be displayed on the second user computing device;

establish, via the communication interface, a third connection with a first participant computing platform and, while the third connection is established, transmit to the first participant computing platform an instruction to complete the transaction with the second user on behalf of the first user; and

establish, via the communication interface, a fifth connection with an event control computing platform and, while the fifth connection is established, assign to the second user a reliability rating in completing transactions on behalf of other users, wherein the event validation computing platform weighs any positive and negative feedback for the second user from the transactions on behalf of the other users as criteria for validating the transaction instruction, wherein the second user is precluded from completing the transaction on behalf of the first user based on unresolved negative feedback, and wherein the notification to be displayed on the second user computing device includes information relating to the reliability rating.

18. The non-transitory computer-readable media of claim 17 which stores additional instructions that, when executed by the computing platform, cause the computing platform to:

establish, via the communication interface, a fourth connection with a plurality of user computing devices and, while the fourth connection is established, receive user preference information from the plurality of user computing devices, wherein the user preference information is used to generate the corresponding plurality of user profiles.

19. The non-transitory computer-readable media of claim 17 which stores additional instructions that, when executed by the computing platform, cause the computing platform to:

establish, via the communication interface, a fourth connection with an administrative computing device and, while the fourth connection is established, receive from the administrative computing device linked user account information for the plurality of users, wherein the linked user account information is used to generate the plurality of user profiles.

20. The non-transitory computer-readable media of claim 17 which stores additional instructions that, when executed by the computing platform, cause the computing platform to:

establish, via the communication interface, a fourth connection with a social media computing platform and, while the fourth connection is established, receive from the social media computing platform social media information for the plurality of users, wherein the social media information is used to generate the plurality of user profiles.