US 12,250,213 B2
Resource processing terminal device with enhanced secure resource transmissions based on image capture
Charles Russell Kendall, Snoqualmie, WA (US); and Richard C. Clow, II, Morristown, NJ (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Nov. 8, 2023, as Appl. No. 18/387,899.
Application 18/387,899 is a continuation of application No. 17/459,503, filed on Aug. 27, 2021, granted, now 11,876,795.
Prior Publication US 2024/0073199 A1, Feb. 29, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/083 (2013.01) 20 Claims
OG exemplary drawing
 
1. A system for enhanced secure resource transmissions based on image capture via a resource processing terminal device, wherein the system provides a secure platform for authentication of resource data for processing, prior to initiation of a resource activity at the resource processing terminal device, the system comprising:
a resource processing terminal device structured for operative communication with a resource instrument device via a first proximity communication channel between the resource processing terminal device and the resource instrument device, wherein the resource processing terminal device comprises:
a proximity scanner device structured for detecting at least one parameter associated with the resource instrument device via the first proximity communication channel;
at least one memory device;
at least one communication device configured for communication with a distributed network;
at least one processing device operatively coupled to the at least one memory device; and
a module stored in the at least one memory device comprising executable instructions that when executed by the at least one processing device, cause the at least one processing device to:
construct, via a resource instrument device application, a first authorized credential element for processing of a resource activity at a first time interval prior to initiation of the resource activity, wherein the first authorized credential element is structured for authorizing processing of the resource activity prior to initiation of the resource activity;
receive a first trigger signal at a second time interval succeeding the first time interval, wherein the first trigger signal comprises a first activity data structure;
based on analyzing the first trigger signal, determine a first resource processing activity initiated by a user at the second time interval;
transmit a control signal to the proximity scanner device associated with a first entity, wherein the control signal is structured to cause the proximity scanner device to scan a predetermined vicinity of the resource processing terminal device;
transmit, via the resource processing terminal device, second trigger signal to cause presentation of the first authorized credential element;
extract, via the resource processing terminal device, data associated with the first authorized credential element from the resource instrument device via the first proximity communication channel between the resource processing terminal device and the resource instrument device; and
in response to determining that (i) the first authorized credential element is compatible with the first resource processing activity, and that (ii) the first authorized credential element is pre-authenticated prior to initiation of the first resource processing activity at the second time interval, execute the first resource processing activity at a third time interval succeeding the second time interval.