US 12,243,059 B2
Cryptocurrency storage distribution
Manu Kurian, Dallas, TX (US); and Joseph Castinado, Northglenn, CO (US)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Aug. 4, 2023, as Appl. No. 18/230,261.
Application 18/230,261 is a continuation of application No. 16/576,100, filed on Sep. 19, 2019, granted, now 11,790,363.
Application 16/576,100 is a continuation of application No. 15/936,875, filed on Mar. 27, 2018, abandoned.
Prior Publication US 2023/0410111 A1, Dec. 21, 2023
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/06 (2006.01); H04L 67/104 (2022.01); H04W 12/63 (2021.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/3224 (2013.01); G06Q 20/36 (2013.01); G06Q 20/382 (2013.01); H04L 9/0637 (2013.01); H04L 67/104 (2013.01); H04W 12/63 (2021.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a computing platform comprising:
a processor;
memory storing computer-readable instructions that, when executed by the processor, cause the computing platform to:
identify, based on a transaction request, a plurality of linked digital wallets associated with a user, wherein each digital wallet of the plurality of linked digital wallets comprises a lightweight node of a decentralized peer-to-peer network;
designate, based on an initial configuration of digital wallet associations, at least two linked digital wallets for the transaction request;
determine, based on an exchange rate, whether an amount specified in the transaction request is larger than an available amount in each of the plurality of linked digital wallets;
modify, automatically by an abstract intelligence layer and based on learning corresponding to historical usage patterns, the digital wallet associations with different transaction types;
execute a digital signature algorithm using private/public key pairs to authenticate at least one linked digital wallet;
complete, automatically, the requested transaction using a first amount from a first linked digital wallet based on a first exchange rate and a second amount from a second linked digital wallet based on a second exchange rate;
teach, based on a completed transaction, the abstract intelligence layer; and
send, to a user computing device, transaction information; and
a user computing device processing an application, wherein the application causes, based on receipt of the transaction information, display of a notification on the user computing device.