US 12,341,757 B2
System for implementing dynamic network channel switching for secure communication
Joseph Benjamin Castinado, North Glenn, CO (US); Therese Humburg Willis, Apopka, FL (US); Christopher J. Smith, Johns Creek, GA (US); Kathleen Hanko Trombley, Oakboro, NC (US); Kevin Graham Robberts, Charlotte, NC (US); Lee Ann Proud, St. Augustine, FL (US); Adam Frederick Perrigo, Maiden, NC (US); Ann Ta, Scottsdale, AZ (US); and Naoll Addisu Merdassa, Chakopee, MN (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Feb. 12, 2024, as Appl. No. 18/439,709.
Application 18/439,709 is a continuation of application No. 17/553,946, filed on Dec. 17, 2021, granted, now 11,956,218.
Prior Publication US 2024/0187382 A1, Jun. 6, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 29/00 (2006.01); H04L 9/40 (2022.01); H04W 12/03 (2021.01); H04W 12/102 (2021.01); H04W 12/63 (2021.01); H04W 72/51 (2023.01); H04W 76/14 (2018.01); H04W 76/23 (2018.01); G06Q 20/32 (2012.01)
CPC H04L 63/04 (2013.01) [H04W 12/03 (2021.01); H04W 12/102 (2021.01); H04W 12/63 (2021.01); H04W 72/51 (2023.01); H04W 76/14 (2018.02); H04W 76/23 (2018.02); G06Q 20/322 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system for implementing dynamic network channel switching for secure communication, the system comprising:
at least one processing device; and
at least one non-transitory storage device containing instructions that, when executed by the at least one processing device, cause the at least one processing device to:
receive, from a first user input device of one or more user input devices, a resource transfer request via a first communication channel of one or more communication channels, wherein the first user input device is associated with a resource distribution platform;
determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication;
monitor the one or more communication channels associated with the one or more user input devices, wherein said monitoring further comprises determining whether the one or more communication channels meets the one or more preset channel requirements;
determine, based on at least monitoring the one or more communication channels, one or more user input devices whose communication channels does not meet the one or more preset channel requirements;
determine one or more alternate communication channels for the one or more user input devices whose communication channels does not meet the one or more preset channel requirements using one or more user input devices whose communication channels meets the one or more preset channel requirements;
determine a second communication channel associated with a second user input device, wherein the second user input device's associated communication channel meets the one or more preset channel requirements;
trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device, wherein the second communication channel and the communication link form an alternate communication channel with the first user input device;
receive, via the second communication channel, an indication from the second user input device that the communication link has been established with the first user input device;
transfer bi-directional communications associated with the resource transfer request with the first user device from the first communication channel to the alternate communication channel in response to receiving the indication; and
execute, via the alternate communication channel, the resource transfer request.