Using Smart Data To Enable Profile-Based Transactions
AssigneeBank of America Corporation
InventorsCrystal M. Sundaramoorthy, Dimitra J. Tsagris, Manu Kurian
Life of this patent
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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.
Claims20
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 including one or more linked user accounts;
- establish, via the communication interface, a first connection with a first user computing device and, while the first connection is established, receive from the first user computing device an instruction for a transaction;
- establish, via the communication interface, a second connection with a second user computing device 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;
- and
- 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.
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 including one or more linked user accounts;
- establishing, via the communication interface, a first connection with a first user computing device and, while the first connection is established, receiving from the first user computing device an instruction for a transaction;
- establishing, via the communication interface, a second connection with a second user computing device 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;
- and
- 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.
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 including one or more linked user accounts;
- establish, via the communication interface, a first connection with a first user computing device and, while the first connection is established, receive from the first user computing device an instruction for a transaction;
- establish, via the communication interface, a second connection with a second user computing device 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;
- and
- 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.
Dependencies are inferred from the claim text.