US 12,231,350 B2
System for triggering adaptive resource channel requisition within a distributed network
Mark Cabot Williams, Kennett Square, PA (US); Matthew Robert Gray Pitner, Alpharetta, GA (US); and Jill Marie Moser, Louisville, KY (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Oct. 17, 2023, as Appl. No. 18/381,093.
Application 18/381,093 is a continuation of application No. 17/582,399, filed on Jan. 24, 2022, granted, now 11,811,675.
Prior Publication US 2024/0048504 A1, Feb. 8, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 11/30 (2006.01); H04L 47/78 (2022.01); H04W 72/04 (2023.01)
CPC H04L 47/78 (2013.01) 18 Claims
OG exemplary drawing
 
1. A system for triggering adaptive resource channel requisition within a distributed network, the system comprising:
at least one processing device; and
at least one non-transitory storage device with computer-readable program code stored thereon and accessible by the at least one processing device, wherein the computer-readable code when executed is configured to cause the at least one processing device to:
electronically receive a request to register with an adaptive resource channel requisition (ARCR) engine;
trigger a user onboarding procedural engine in response to receiving the request to register with the ARCR engine;
implement, using the user onboarding procedural engine, a sequence of protocols to register the user with the ARCR engine, wherein the sequence of protocols comprises two or more of: a pre-screening protocol, a user identity verification protocol, a user track record check protocol, a business model analysis protocol, network security screening protocol, or user exposure determination protocol;
electronically receive a resource allocation request from a user;
retrieve, from the resource allocation request, information associated with the user;
trigger the ARCR engine based on at least the information associated with the user;
retrieve, from the resource allocation request, one or more preset values associated with resource allocation request;
retrieve, using the ARCR engine, one or more predetermined requisitions corresponding to the resource allocation request from a requisition repository associated with the user;
implement the one or more predetermined requisitions on the one or more preset values to generate one or more requisitioned values; and
authorize the resource allocation request for the one or more requisitioned values.