US 12,224,933 B2
Automatically routing network requests between computer subsystems
Robert Rohr, Charlotte, NC (US); and Selcuk Karakaplan, New York, NY (US)
Assigned to Truist Bank, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on Aug. 9, 2023, as Appl. No. 18/446,779.
Application 18/446,779 is a continuation of application No. 17/719,993, filed on Apr. 13, 2022, granted, now 11,770,330.
Prior Publication US 2023/0388227 A1, Nov. 30, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 45/42 (2022.01); G06Q 20/12 (2012.01); G06Q 20/22 (2012.01); H04L 41/0813 (2022.01); H04L 41/22 (2022.01); H04L 45/12 (2022.01); H04L 45/302 (2022.01)
CPC H04L 45/42 (2013.01) [H04L 41/0813 (2013.01); H04L 41/22 (2013.01); H04L 45/126 (2013.01); H04L 45/308 (2013.01); G06Q 20/12 (2013.01); G06Q 20/227 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system of a service provider, the system comprising:
one or more processors; and
a memory including program code that is executable by the one or more processors for causing the one or more processors to:
establish an online account for a user;
link the online account to a deposit account of the user with the service provider, the online account being usable to perform account functions related to the deposit account, wherein the account functions include viewing a balance of the deposit account;
determine that the user is eligible for a financial service based on usage data relating to the deposit account of the user, the financial service being provided separately by the service provider from the deposit account;
based on determining that the deposit account is eligible for the financial service:
provide a notification to the user that the user is eligible for the financial service; and
in response to receiving an approval of the financial service from the user, activate the financial service for the user by communicating with a service subsystem; and
subsequent to activating the financial service for the user:
receive a network request associated with the user;
determine that the network request has a characteristic; and
based on determining that the network request has the characteristic, forward the network request to the service subsystem, the service subsystem being configured complete the network request using the financial service rather than the deposit account.