# US 12,223,494 B1 · System and method to dynamically evaluate patterns in smart card operations

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- Number: US 12,223,494 B1
- Document ID: US12223494B1
- Status: Granted
- Kind: B1
- Application number: 18/420,567
- Filed: 2024-01-23
- Granted: 2025-02-11
- Earliest claimed: 2024-01-23
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Anu Sharma; Sneha Padiyar; Harilakshmi Narayanan; Madhumitha Swaminathan Rangarajan; Kavitha Yalka
- Web page: https://patentgrep.com/patent/US12223494B1

## CPC

- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/357: {Cards having a plurality of specified features}
- G06Q 20/4015: {using location information}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G07F 7/0806: {Details of the card (record carriers per se G06K)}
- G07F 7/0833: {Card having specific functional components}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

An apparatus comprises a memory communicatively coupled to a processor. The memory is configured to store smart card feedback, multiple graph analyzer operations, and multiple smart card identifiers (ID). Each smart card ID indicates the one or more smart cards associated with a corresponding user. The processor is configured to receive smart card feedback associated with a smart card ID, derive multiple interactions in an environment based at least in part upon the smart card feedback, generate an intelligent pattern based at least in part upon the interactions, assign multiple adverse impacts to the intelligent pattern, generate multiple suggestions configured to mitigate the adverse impacts, and execute the graph analyzer operations to determine whether the suggestions mitigate the adverse impacts. Further, the processor is configured to generate a report relating the suggestions to the environment in response to determining that the suggestions mitigate the adverse impacts.

## Claims

### Claim 1

An apparatus, comprising:
a memory configured to store:
smart card feedback configured to provide information associated with a presence of one or more smart cards in a vicinity of the apparatus;
a plurality of graph analyzer operations configured to determine whether one or more suggestions mitigate one or more corresponding adverse impacts; and
a plurality of smart card identifiers (ID), each smart card ID indicating the one or more smart cards associated with a corresponding user; and
a processor communicatively coupled to the memory and configured to:
receive first smart card feedback associated with a first smart card ID;
derive a first plurality of interactions in a first environment based at least in part upon the first smart card feedback;
generate a first intelligent pattern based at least in part upon the first plurality of interactions;
assign a first plurality of adverse impacts to the first intelligent pattern;
generate a first plurality of suggestions configured to mitigate the first plurality of adverse impacts;
execute the plurality of graph analyzer operations to determine whether the first plurality of suggestions mitigate the first plurality of adverse impacts; and
in response to determining that the first plurality of suggestions mitigate the first plurality of adverse impacts, generate a first report relating the first plurality of suggestions to the first environment.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the first smart card feedback comprises:
sound data comprising a plurality of sound data samples, each sound data sample comprising a magnitude, a reception direction, and a duration; and
proximity information indicating a proximity of the plurality of sound data samples to a smart card associated with the first smart card ID.

### Claim 3 (depends on 2)

The apparatus of claim 2, wherein the proximity information further indicates a plurality of changes in the proximity of the plurality of sound data samples to the smart card over a period of time.

### Claim 4 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to:
receive second smart card feedback associated with the first smart card ID;
derive a second plurality of interactions in a second environment based at least in part upon the second smart card feedback;
generate a second intelligent pattern based at least in part upon the second plurality of interactions;
assign a second plurality of adverse impacts to the second intelligent pattern;
generate a second plurality of suggestions configured to mitigate the second plurality of adverse impacts;
execute the plurality of graph analyzer operations to determine whether the second plurality of suggestions mitigate the second plurality of adverse impacts; and
in response to determining that the second plurality of suggestions do not mitigate the second plurality of adverse impacts, generate a second report relating the second plurality of adverse impacts to the second environment.

### Claim 5 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to:
receive second smart card feedback associated with a second smart card ID;
derive a second plurality of interactions in a second environment based at least in part upon the second smart card feedback;
generate a second intelligent pattern based at least in part upon the second plurality of interactions;
assign a second plurality of adverse impacts to the second intelligent pattern;
generate a second plurality of suggestions configured to mitigate the second plurality of adverse impacts;
execute the plurality of graph analyzer operations to determine whether the second plurality of suggestions mitigate the second plurality of adverse impacts; and
in response to determining that the second plurality of suggestions mitigate the second plurality of adverse impacts, generate a second report relating the second plurality of suggestions to the second environment.

### Claim 6 (depends on 1)

The apparatus of claim 1, wherein the first smart card feedback is received from a user device associated with a smart card associated with the first smart card ID.

### Claim 7 (depends on 1)

The apparatus of claim 1, wherein the processor is further configured to: associate the first report to the first smart card ID.

### Claim 8

A method, comprising:
receiving first smart card feedback associated with a first smart card identifier (ID);
deriving a first plurality of interactions in a first environment based at least in part upon the first smart card feedback;
generating a first intelligent pattern based at least in part upon the first plurality of interactions;
assigning a first plurality of adverse impacts to the first intelligent pattern;
generating a first plurality of suggestions configured to mitigate the first plurality of adverse impacts;
executing a plurality of graph analyzer operations to determine whether the first plurality of suggestions mitigate the first plurality of adverse impacts; and
in response to determining that the first plurality of suggestions mitigate the first plurality of adverse impacts, generating a first report relating the first plurality of suggestions to the first environment.

### Claim 9 (depends on 8)

The method of claim 8, wherein the first smart card feedback comprises:
sound data comprising a plurality of sound data samples, each sound data sample comprising a magnitude, a reception direction, and a duration; and
proximity information indicating a proximity of the plurality of sound data samples to a smart card associated with the first smart card ID.

### Claim 10 (depends on 9)

The method of claim 9, wherein the proximity information further indicates a plurality of changes in the proximity of the plurality of sound data samples to the smart card over a period of time.

### Claim 11 (depends on 8)

The method of claim 8, further comprising:
receiving second smart card feedback associated with the first smart card ID;
deriving a second plurality of interactions in a second environment based at least in part upon the second smart card feedback;
generating a second intelligent pattern based at least in part upon the second plurality of interactions;
assigning a second plurality of adverse impacts to the second intelligent pattern;
generating a second plurality of suggestions configured to mitigate the second plurality of adverse impacts;
executing the plurality of graph analyzer operations to determine whether the second plurality of suggestions mitigate the second plurality of adverse impacts; and
in response to determining that the second plurality of suggestions do not mitigate the second plurality of adverse impacts, generating a second report relating the second plurality of adverse impacts to the second environment.

### Claim 12 (depends on 8)

The method of claim 8, further comprising:
receiving second smart card feedback associated with a second smart card ID;
deriving a second plurality of interactions in a second environment based at least in part upon the second smart card feedback;
generating a second intelligent pattern based at least in part upon the second plurality of interactions;
assigning a second plurality of adverse impacts to the second intelligent pattern;
generating a second plurality of suggestions configured to mitigate the second plurality of adverse impacts;
executing the plurality of graph analyzer operations to determine whether the second plurality of suggestions mitigate the second plurality of adverse impacts; and
in response to determining that the second plurality of suggestions mitigate the second plurality of adverse impacts, generating a second report relating the second plurality of suggestions to the second environment.

### Claim 13 (depends on 8)

The method of claim 8, wherein the first smart card feedback is received from a user device associated with a smart card associated with the first smart card ID.

### Claim 14 (depends on 8)

The method of claim 8, further comprising:
associating the first report to the first smart card ID.

### Claim 15

A non-transitory computer readable medium storing instructions that when executed by a processor cause the processor to:
receive first smart card feedback associated with a first smart card identifier (ID);
derive a first plurality of interactions in a first environment based at least in part upon the first smart card feedback;
generate a first intelligent pattern based at least in part upon the first plurality of interactions;
assign a first plurality of adverse impacts to the first intelligent pattern;
generate a first plurality of suggestions configured to mitigate the first plurality of adverse impacts;
execute a plurality of graph analyzer operations to determine whether the first plurality of suggestions mitigate the first plurality of adverse impacts; and
in response to determining that the first plurality of suggestions mitigate the first plurality of adverse impacts, generate a first report relating the first plurality of suggestions to the first environment.

### Claim 16 (depends on 15)

The non-transitory computer readable medium of claim 15, wherein the first smart card feedback comprises:
sound data comprising a plurality of sound data samples, each sound data sample comprising a magnitude, a reception direction, and a duration; and
proximity information indicating a proximity of the plurality of sound data samples to a smart card associated with the first smart card ID.

### Claim 17 (depends on 16)

The non-transitory computer readable medium of claim 16, wherein the proximity information further indicates a plurality of changes in the proximity of the plurality of sound data samples to the smart card over a period of time.

### Claim 18 (depends on 15)

The non-transitory computer readable medium of claim 15, wherein the instructions further cause the processor to:
receive second smart card feedback associated with the first smart card ID;
derive a second plurality of interactions in a second environment based at least in part upon the second smart card feedback;
generate a second intelligent pattern based at least in part upon the second plurality of interactions;
assign a second plurality of adverse impacts to the second intelligent pattern;
generate a second plurality of suggestions configured to mitigate the second plurality of adverse impacts;
execute the plurality of graph analyzer operations to determine whether the second plurality of suggestions mitigate the second plurality of adverse impacts; and
in response to determining that the second plurality of suggestions do not mitigate the second plurality of adverse impacts, generate a second report relating the second plurality of adverse impacts to the second environment.

### Claim 19 (depends on 15)

The non-transitory computer readable medium of claim 15, wherein the instructions further cause the processor to:
receive second smart card feedback associated with a second smart card ID;
derive a second plurality of interactions in a second environment based at least in part upon the second smart card feedback;
generate a second intelligent pattern based at least in part upon the second plurality of interactions;
assign a second plurality of adverse impacts to the second intelligent pattern;
generate a second plurality of suggestions configured to mitigate the second plurality of adverse impacts;
execute the plurality of graph analyzer operations to determine whether the second plurality of suggestions mitigate the second plurality of adverse impacts; and
in response to determining that the second plurality of suggestions mitigate the second plurality of adverse impacts, generate a second report relating the second plurality of suggestions to the second environment.

### Claim 20 (depends on 15)

The non-transitory computer readable medium of claim 15, wherein the first smart card feedback is received from a user device associated with a smart card associated with the first smart card ID.