US 12,333,517 B2
System and methods for detecting and implementing resource allocation in an electronic network based on non-contact instructions
Geetika Lal, New Delhi (IN); Sandeep Kumar Chauhan, Hyderabad (IN); Ramarao Gaddam, Hyderabad (IN); Anil Gajula, Hyderabad (IN); Koteswara Rao Venkata Magham, Hyderabad (IN); Suman Matury, Hyderabad (IN); Santosh Kumar Miryala, Hyderabad (IN); Ravikiran Subramanya Rao, Hyderabad (IN); Yash Sharma, Delhi (IN); Sudarshan Veeramreddy, Hyderabad (IN); and Durgesh Singh Yadav, Gautam Buddha Nagar (IN)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Mar. 21, 2024, as Appl. No. 18/611,787.
Application 18/611,787 is a continuation of application No. 17/874,649, filed on Jul. 27, 2022, granted, now 11,983,691.
Prior Publication US 2024/0232847 A1, Jul. 11, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/22 (2012.01)
CPC G06Q 20/229 (2020.05) [G06Q 20/401 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A system for identifying and authorizing non-contact instructions, the system comprising:
a memory device; and
a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to:
monitor a data capture sensor via a user device;
analyze the data capture sensor data using convolutional neural network modeling in order to identify a specific gesture;
in response to identification of the specific gesture, generate a prompt for display on the user device indicating an option for a split resource activity;
receive an input response via the user device indicating that the user wishes to complete the split resource activity;
map the specific gesture to the split resource activity by initiating a transfer of resources from a resource account of the user to a resource account of one of the user's contacts;
continuously monitor resource account activity of a resource account of the user;
identify a first merchant with which the user has transacted multiple times;
calculate an average resource value for transactions with the first merchant from the resource account of the user;
identify a later resource activity from the resource account of the user to the first merchant that is above a pre-set threshold, wherein the pre-set threshold is a percentage above the average resource value; and
generate a push notification to the user device.