US 12,248,923 B2
Device for resource dispensing using alternative communication rails
Paul Martin Mattison, Sherrills Ford, NC (US); and Matthew Edward Williams, Frisco, TX (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Nov. 1, 2022, as Appl. No. 17/978,529.
Prior Publication US 2024/0144227 A1, May 2, 2024
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/26 (2012.01); G06Q 20/32 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/26 (2013.01) 20 Claims
OG exemplary drawing
 
1. A system for resource dispensing using alternative communication rails, the system comprising:
a memory device with computer-readable program code stored thereon;
a communication device, wherein the communication device is configured to establish operative communication with a plurality of networked devices via a communication network;
a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to:
receive a resource distribution request input and transform the resource distribution request input into a request for payment (RFP) message on an alternative communication rail from an end point entity to a user;
trigger the alternative communication rail processing based on input into the RFP message from an end point entity;
create a readable indicia for presentation at a resource processing terminal associated device with an entity system network;
present the readable indicia at a resource processing terminal device;
generate a resource instrument device based on user scanning of a QR code at the resource processing terminal device using a user device with a mobile application embedded thereon that is displaying the readable indicia;
create an operative communication linkage between the resource instrument device and the resource processing terminal device via a first proximity communication channel using the RFP message associated with alternative rail resource distribution processing, wherein the operative communication linkage allows the resource instrument device access to and display of the RFP using the alternative communication rail of the resource processing terminal device via the mobile application; and
allow direct resource distribution between the end point entity and the user via the resource processing terminal device using the alternative communication rail, wherein the direct distribution of resources comprises physical currency or physical check transfers.