US 12,346,742 B2
System for intelligent type-based implementation of restrictions on resource transfers
Tony England, Tega Cay, SC (US); Steven Michael Twombly, Saco, ME (US); Robertson Walters Greenbacker, Charlotte, NC (US); Bradley Ryan Holland, Huntersville, NC (US); and Sara A. Walsh, West Chester, PA (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on May 12, 2022, as Appl. No. 17/743,155.
Prior Publication US 2023/0367646 A1, Nov. 16, 2023
Int. Cl. G06F 9/50 (2006.01)
CPC G06F 9/5072 (2013.01) [G06F 9/505 (2013.01); G06F 9/5083 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for intelligent type-based implementation of restrictions on resource transfers, wherein the system is structured for dynamic authentication restrictions for resource instrument use, the system comprising:
at least one non-transitory storage device; and
at least one processor coupled to the at least one non-transitory storage device, wherein the at least one processor is configured to:
continuously monitor attributes associated with incoming resource transfer requests, comprising:
analyzing attributes associated with a plurality of resource transfer requests comprising recipient information and endpoint transaction processors;
generating training data for configuring a machine learning model for dynamic authentication restrictions based on at least the attributes associated with the plurality of resource transfer requests; and
generating a resource transfer restriction pattern using the machine learning model;
request, via an authentication subsystem at the endpoint device, authentication credentials;
permit, in response to successful authentication of input authentication credentials, access to one or more protected resources;
receive, from the endpoint device, one or more inputs associated with a compromise of a resource transfer instrument;
receive, subsequently to the one or more inputs, a current resource transfer request associated with the resource transfer instrument;
based on one or more attributes associated with the resource transfer request, determine a type of resource transfer associated with the resource transfer request;
execute one or more restrictions on the resource transfer request according to the resource transfer restriction pattern.