System for impetus resource distribution process confirmation with wearable device integration
AssigneeBank of America Corporation
InventorsMichael Sbandi, Jo-Ann Taylor, Michael Robert Young
Life of this patent
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Abstract
Embodiments of the invention are directed to a system, method, or computer program product for integration with a wearable device for impetus resource distribution process confirmation and authentication. In this way, the invention coordinates with a wearable device and resource distribution vehicles of a user. Upon activation of a resource distribution vehicle, the system reviews metrics from the wearable device to identify discrepancies between the real-time metrics and a baseline for the user. The invention triggers tiered confirmation requests for authentication prior to allowing processing of the resource distribution for impetus distribution prevention.
Claims20
A system for impetus resource distribution process confirmation comprising:
- at least one non-transitory storage device;
- and
- at least one processor coupled to the at least one non-transitory storage device, wherein the at least one processor is configured to:
- identify and integrate within a deployed wearable device on a user;
- identify and integrate within user resource distribution vehicles;
- synchronize the deployed wearable device and the user resource distribution vehicles;
- identify activation of one of the user resource distribution vehicles;
- extract physiological response data from the deployed wearable device on the user in real-time as activation of the user resource distribution vehicle is occurring;
- compare the extracted physiological response data to a baseline physiological response data to determine a discrepancy;
- compare the activation of the user resource distribution vehicles to user control rules;
- trigger a process confirmation confirming the activation based on a discrepancy between the comparisons;
- require confirmation for completion of resource distribution via the user resource distribution vehicle;
- and
- build learned user resource distribution platform based on machine learning composition of the activation and confirmation over a period of time.
A computer program product for impetus resource distribution process confirmation, the computer program product comprising a non-transitory computer-readable medium causing an apparatus to:
- identify and integrate within a deployed wearable device on a user;
- identify and integrate within user resource distribution vehicles;
- synchronize the deployed wearable device and the user resource distribution vehicles;
- identify activation of one of the user resource distribution vehicles;
- extract physiological response data from the deployed wearable device on the user in real-time as activation of the user resource distribution vehicle is occurring;
- compare the extracted physiological response data to a baseline physiological response data to determine a discrepancy;
- compare the activation of the user resource distribution vehicles to user control rules;
- trigger a process confirmation confirming the activation based on a discrepancy between the comparisons;
- require confirmation for completion of resource distribution via the user resource distribution vehicle;
- and
- build learned user resource distribution platform based on machine learning composition of the activation and confirmation over a period of time.
A method for impetus resource distribution process confirmation, the method comprising:
- identifying and integrating within a deployed wearable device on a user;
- identifying and integrating within user resource distribution vehicles;
- synchronizing the deployed wearable device and the user resource distribution vehicles;
- identifying activation of one of the user resource distribution vehicles;
- extracting physiological response data from the deployed wearable device on the user in real-time as activation of the user resource distribution vehicle is occurring;
- comparing the extracted physiological response data to a baseline physiological response data to determine a discrepancy;
- comparing the activation of the user resource distribution vehicles to user control rules;
- triggering a process confirmation confirming the activation based on a discrepancy between the comparisons;
- requiring confirmation for completion of resource distribution via the user resource distribution vehicle;
- and
- building learned user resource distribution platform based on machine learning composition of the activation and confirmation over a period of time.
Dependencies are inferred from the claim text.